Front ofice (unit bisnis) merupakan unit kerja operasional yang melakukan transaksional secara langsung sesuai dengan tugas dan tanggung jawabnya masing-masing dan mengelola portofolio yang dimiliki Bank, dengan tetap memperhatikan konsep yang telah ditetapkan oleh manajemen risiko, diantaranya:
- Divisi Kredit, melakukan analisis kredit, pemeringkatan kredit, pengawasan kredit (account supervisory), pengelolaan kredit (account maintenance), dan monitoring kredit.
- Divisi Treasury, dimana dealer dan marketing yang melakukan pengelolaan dan pengawasan risiko pasar dan risiko likuiditas pada khususnya.
- Operasional lainnya, dimana Customer Service dan
Teller melakukan pengelolaan dan pengawasan risiko operasional.
- Satuan Kerja Manajemen Risiko yang melakukan kaji ulang individual secara sampling khususnya untuk debitur besar.
Middle ofice (unit manajemen risiko) merupakan bagian pendukung operasional yang diantaranya melakukan pengaturan dan penyusunan pedoman/ prosedur operasional serta pengawasan operasional dan melakukan manajemen portofolio secara bank wide: - Satuan Kerja Manajemen Risiko
• Mengembangkan prosedur dan alat identiikasi,
pengukuran, pemantauan, dan pengendalian risiko.
• Mendesain dan menerapkan perangkat yang
dibutuhkan dalam penerapan manajemen risiko.
• Memantau implementasi kebijakan, strategi,
dan kerangka manajemen risiko yang direkomendasikan oleh Komite Manajemen Risiko dan yang telah disetujui oleh Direksi.
• Memantau posisi/eksposur risiko secara
keseluruhan maupun per risiko termasuk pemantauan kepatuhan terhadap toleransi risiko dan limit yang ditetapkan.
• Melakukan stress testing guna mengetahui dampak dari implementasi kebijakan dan strategi manajemen risiko terhadap portofolio atau kinerja Bank secara keseluruhan.
• Mengkaji usulan aktivitas dan/atau produk baru
yang dikembangkan oleh unit tertentu di Bank. Pengkajian difokuskan terutama pada aspek kemampuan Bank untuk mengelola aktivitas dan/atau produk baru termasuk kelengkapan sistem dan prosedur yang digunakan serta dampaknya terhadap eksposur risiko Bank secara keseluruhan.
• Memberikan rekomendasi kepada unit kerja
bisnis dan/atau Komite Manajemen Risiko terkait penerapan manajemen risiko antara lain mengenai besaran atau maksimum eksposur risiko yang dapat dipelihara Bank.
Front ofice (business unit) is the operational unit performing direct transactions according to the respective duty and responsibility and managing the portfolio of the Bank, yet in observance of the concept set up by risk management, among others:
- Loan Division, conducting account analysis, rating, supervision, maintenance, and monitoring.
- Treasury Division, where dealers and marketing oficers conducting the management and supervision of market risk and liquidity risk in particular.
- Other operations, where Customer Service and Tellers conducting the management and supervision of operational risk.
- Management Risk Unit, conducting individual review on sampling basis particularly for big debtors.
Middle ofice (risk management unit) is the supporting operational part that is among others organizing and preparing operational guidelines/procedure as well as operational supervision and maintaining the management portfolio on bank-wide basis:
- Risk Management Unit
• To develop the procedure and tools for risk
identiication, measurement, monitoring and control.
• To design and apply the instruments required
for risk management application.
• To monitor the implementation of risk
management policy, strategy and framework as recommended by Risk Management Committee at the approval of the Board of Directors.
• To monitor the overall risk position/exposure
and the respective risk including compliance monitoring against risk tolerance and limit that have been established.
• To perform stress testing in order to know
the impact of the implementation of risk management policy and strategy against the Bank’s portfolio or performance as a whole.
• To study any new proposed activity and/or
product as developed by certain unit in the Bank. The study is focused especially on the aspect of Bank’s capacity to manage new activity and/or product including the system and procedure to be used and its impact against the Bank’s risk exposure as a whole.
• To provide recommendation for business unit
and/or Risk Management Committee related to risk management application among others on the amount or maximum risk exposure that can be maintained by the Bank.
Laporan Tahunan 2012Annual Report • PT. Bank Artha Graha Internasional, Tbk.
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- Bagian Sistem dan Prosedur mempersiapkan pedoman dan prosedur operasional Bank.
Back ofice (unit operasional) merupakan bagian akhir dari proses operasional yang diantaranya melakukan penyelesaian transaksi dan pengambilan keputusan serta melakukan manajemen portofolio diantaranya: - Satuan Kerja Manajemen Risiko
• Memberikan masukan kepada Direksi dalam
penyusunan kebijakan, strategi, dan kerangka manajemen risiko.
• Menyusun dan menyampaikan laporan proil
risiko kepada Komite Pemantau Risiko, Direktur Utama, Direktur Kepatuhan, dan Komite Manajemen Risiko secara berkala yang paling kurang secara triwulanan.
• Melaksanakan kaji ulang secara berkala sesuai
kebutuhan Bank untuk memastikan kecukupan kerangka manajemen risiko, keakuratan metodologi penilaian risiko, dan kecukupan sistem informasi manajemen risiko.
- Divisi Kredit, dimana Komite Kredit melakukan pengelolaan batas limit risiko kredit dan penanganan kredit bermasalah oleh Divisi SAM dan Remedial. - Divisi Treasury, dimana Bagian Treasury Operation
melakukan pengelolaan risiko settlement.
Sistem informasi manajemen risiko harus mendukung pelaksanaan pelaporan kepada Bank Indonesia dan manajemen sebagai dasar pengambilan keputusan. Satuan Kerja Manajemen Risiko menyusun laporan proil risiko secara berkala kepada Bank Indonesia, Dewan Komisaris, Direksi dan Komite Manajemen Risiko, serta bersama-sama dengan unit kerja operasional melaporkan pemantauan dan hasil perhitungan stress testing serta Contingency Funding Plan kepada Direksi, Komite Manajemen Risiko dan Komite Pemantau Risiko secara berkala dalam rangka mitigasi risiko dan tindakan yang diperlukan.
Kecukupan cakupan informasi yang dihasilkan dari sistem informasi manajemen risiko harus dikaji ulang secara berkala untuk memastikan bahwa cakupan tersebut telah memadai sesuai perkembangan tingkat kompleksitas kegiatan usaha.
4. Sistem pengendalian intern yang menyeluruh
Sistem pengendalian intern Bank yang handal dan efektif menjadi tanggung jawab dari seluruh unit kerja operasional dan unit kerja pendukung serta Satuan Kerja Audit Intern.
Fungsi yang menjalankan pengawasan dalam pengendalian intern diantaranya:
a. Pengawasan melekat oleh Divisi Kontrol untuk pengawasan kepatuhan Bank terhadap ketentuan internal Bank.
- System and Procedure Section prepares the Bank’s operational guidelines and procedure.
Back ofice (operational unit) is the last part of the operational process conducting the settlement of transaction, making decision and organizing management portfolio, among others:
- Risk Management Unit
• To provide input to the Board of Directors in
preparing the policy, strategy, and framework of risk management.
• To prepare and submit risk proile report to
Risk Monitoring Committee, President Director, Compliance Director, and Risk Management Committee periodically, at least on quarterly basis.
• To conduct periodic review as per the
Bank’s requirement to ensure the adequacy of risk management framework, accurate methodology of risk assessment, and risk management information system.
- Loan Division, where Loan Committee conducts the maintenance of loan risk limit and problem loan handling by SAM and Remedial Division. - Treasury Division, where Treasury Operation
Section conducts risk settlement.
Risk management information system must support the reporting implementation to Bank Indonesia and the Management, as the basis for decision making. Risk Management Unit prepares risk proile report on periodical basis to Bank Indonesia, the Board of Commissioners, the Board of Directors and Risk Management Committee, and together with operational unit reporting the monitoring and calculation of stress testing and Contingency Funding Plan to the Board of Directors, Risk Management Committee periodically for the purpose of risk mitigation and action as required.
The adequacy of information coverage produced by risk management information system must be reviewed from time to time to ensure that such coverage is adequate following the development of complexity level of business activity.
4. Overall Internal Control System
Reliable and effective internal control of the Bank is the responsibility of all operational units and supporting units including Internal Audit Unit.
The function performing supervision in internal control is among others:
a. Inherent supervision by Control Division for the supervision of the Bank’s compliance with internal rules.