Laporan Tahunan | 2019 | Annual Report | 1

.
Nama : Ricko Mujtabal Muchtar
NIM : 201010503566
Kelas : 07SMJP029
Matkul : Manajemen Resiko

UTS

LAPORAN PENERAPAN MANAJEMEN RESIKO

PT BANK IBK INDONESIA

Analisis & Pembahasan Manajemen Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Management Discussion & Analysis Corporate Governance Corporate Social Responsibility
2 | PT Bank IBK Indonesia Tbk

Penerapan Manajemen Risiko Risk Management Implementation

Dalam rangka mengimplementasikan Manajemen Risiko, Bank telah In order to implement Risk Management, the Bank has established based
menetapkan berdasarkan 4 (empat) pilar penerapan manajemen risiko on 4 (four) pillars of risk management implementation in accordance
sesuai ketentuan Otoritas Jasa Keuangan, antara lain: with the provisions of the Financial Services Authority (FSA), among
others:

1. Pengawasan aktif Dewan Komisaris dan Direksi;
2. Kecukupan kebijakan, prosedur dan penetapan limit;
3. Kecukupan proses identi kasi, pengukuran, pemantauan dan
pengendalian risiko, serta system informasi Manajemen Risiko; dan
4. Sistem pengendalian intern yang menyeluruh.
1. Active oversight by the Board of Commisioners and the Board of Directors;
2. Adequate policies, procedures and limit setting;
3. Adequate risk Identification, Measuring, Monitoring and Control
Process, and Risk Management information system; and
4. Comprehensive internal control system.

Adapun secara rinci atas manajemen risiko IBK Indonesia The details of IBK Indonesia risk management framework can be
dapat digambarkan sebagai berikut: described as follows:

SASARAN / TARGET

Risiko Terkendali Sesuai Risk Appetite & Risk Tolerance

Risk Controlled Appropriate Risk Appetite & Risk Tolerance

Alokasi Modal Optimal dan Memberikan Nilai Tambah Bagi Stakeholder

Optimal Capital Allocation & Providing Added Value to Stakeholder

Budaya Manajemen Pengembangan Metode & Risk Profile, Credit Risk,

Risiko Prosedur Market & Liq Risk, OPS Risk SKAI
Culture of Management Development of Methods Risk Profile, Credit Risk, SKAI
Risk and Procedures Market & Liq Risk, OPS Risk

Organisasi Tugas Kebijakan Prosedur Identifikasi, Pengukuran,

& Tanggung Jawab & Limit Pengendalian, Pemantauan SKMR & Kepatuhan
Organization Duties Procedure Policy Identification, Measuring, SKMR & Compliance
and Responsibilities and Limit Monitoring and Control

Risk Appetite Strategi Manajemen Data base Kapasitas

& Risk Tolerance Risiko SDM Risk Taking Unit
Risk Appetite Risk Management Capacity of human Risk Taking Unit
& Risk Tolerance Strategy resources Database

Tata Kelola
Kerangka Manajemen Risiko Proses Manajemen Risiko
Manajemen Risiko Pengendalian Internal
Risk Management Risk Management
Risk Management Internal control
Framework Process
Gov ernance

Organisasi Manajemen Risiko Risk Management Organization

Penerapan Manajemen Risiko Bank dilaksanakan melalui pengawasan Implementation of Bank Risk Management is conducted through
aktif oleh : active supervision by :

• Dewan Komisaris dan Direksi • The Board of Commissioners and The Board of Directors
• Komite Pemantau Risiko • Risk Monitoring Committee
• Komite Manajemen Risiko • Risk Management Committee

Bank telah menunjuk Direktur Kepatuhan untuk memastikan fungsi The Bank has appointed the Compliance Director to ensure that the
Manajemen Risiko telah dilakukan secara efektif. Risk Management function has been performed effectively.

Kebijakan Dan Prosedur Manajemen Risiko Risk Management Policies And Procedures

Untuk menyesuaikan pelaksanaan Manajemen Risiko denga n
perkembangan tingkat usaha perbankan, Bank terus mengembangka n
dan meningkatkan kerangka sistem pengelolaan risiko dan struktur
pengendalian internal yang terpadu dan komprehensif, sehingga dapat
memberikan informasi mengenai adanya potensi risiko lebih awal yang
selanjutnya bisa diambil langkah-langkah untuk meminimalkan dampak
yang terjadi akibat dari risiko tersebut.
Kerangka Manajemen Risiko ini dituangkan dalam kebijakan, prosedur,
limit transaksi dan kewenangan serta berbagai perangkat manajemen
risiko yang berlaku di seluruh lingkup usaha.
Kebijakan dan prosedur yang mengatur mengenai penerapan manajemen
risiko tercantum dalam Pedoman Penerapan Manajemen Risiko.
To adjust the implementation of Risk Management with the development
of the banking business level, the Bank continued todevelop and improve
framework of risk management systems and structures internal controls
were integrated and comprehensive,so as to provide information
about the presence of potential risks early, which might be taken
measures to minimize the impact of the occurred as a result of such risks.
These Management Framework risks were outlined in the policies,
procedures, limits transactions and authority as well as a variety of
devices risk management in all aspects of the business.
Policies and procedures governing the implementation of risk
management were listed in the Code Application of Risk Management.

Ikhtisar Utama Laporan Manajemen Profil Perusahaan

Performance Highlights Management Report Company Profile

PENGELOLAAN RISIKO
Risk Management
Sesuai dengan ketentuan Otoritas Jasa Keuangan mengenai penerapa n
manajemen risiko, maka pengelolaan risiko yang dilakukan oleh Bank
mencakup sebagai berikut:
1.
Risiko kredit adalah risiko akibat kegagalan debitur dan/atau
pihak lain dalam memenuhi kewajiban kepada Bank. Apabila
jumlah kredit bermasalah cukup material, maka dapat menurunkan
kinerja Bank yang pada akhirnya dapat menurunkan tingkat
kesehatan dan pendapatan Bank.
Bank memonitor risiko kredit secara berkala dan berkesinambungan
untuk memastikan bahwa kemungkinan kerugian yang terjadi
akibat gagal bayar debitur serta pemenuhan kontrak perjanjian
dapat diminimalkan, baik untuk debitur individu maupun kelompok
atau perusahaan. Pengukuran kebutuhan modal untuk risiko kredit
dilakukan sesuai dengan Surat Edaran OJK No. 42/SEOJK.03/2016
tanggal 28 September 2016 tentang Pedoman Perhitungan ATMR
untuk Risiko Kredit dengan menggunakan Pendekatan Standar,
beserta perubahannya SEOJK No. 11/SEOJK.03/2018 tanggal 15
Agustus 2018.
Risiko pasar adalah risiko kerugian pada posisi neraca dan
rekening administratif termasuk transaksi derivatif akibat
perubahan secara keseluruhan dari kondisi pasar, termasuk risiko
perubahan harga option risiko pasar antara lain meliputi risiko
suku bunga, risiko nilai tukar, risiko ekuitas, dan risiko komoditas.
Bank mempergunakan parameter-parameter dalam mengukur
risiko pasar, antara lain, kemampuan Bank untuk menyerap potensi
kerugian karena uktuasi dalam nilai tukar valuta asing, kecukupan
modal untuk menyerap risiko nilai tukar mata uang, Posisi Devisa
Neto (PDN) dan kemampuan Bank untuk mengantisipasi potensi
kerugian karena uktuasi dalam nilai tukar. Pada tahun 2019, Bank
telah menghitung dan menjaga IRRBB (Interest Rate Risk in
Banking Book) sesuai dengan ketentuan Otoritas Jasa Keuangan.
Pengukuran kebutuhan modal untuk risiko pasar dilakukan sesuai
dengan Surat Edaran OJK No. 38/SEOJK.03/2016 tanggal 8
September 2016 tentang Pedoman Penggunaan Metode Standar
dalam Perhitungan Kewajiban Penyediaan Modal Minimum Bank
Umum dengan Memperhitungkan Risiko Pasar.
Risiko Operasional
Risiko operasional adalah risiko yang disebabkan oleh
ketidakcukupan dan/atau tidak berfungsinya proses internal,
kesalahan manusia, fraud, kegagalan sistem, atau adanya kondisi
eksternal yang mempengaruhi operasional Bank.
Bank menghitung kebutuhan modal untuk menutup risiko
operasional sesuai dengan Surat Edaran OJK No. 24/
SEOJK.03/2016 tanggal 14 Juli 2016 tentang Perhitungan ATMR
untuk Risiko Operasional dengan Menggunakan Pendekatan
Indikator Dasar.
Bank telah mengimplementasikan sistem baru yaitu
IBKGS yang telah di-launching pada quartal ke empat tahun 2019.
Perubahan Core Banking system berdampak pada perubahan aktivitas
operasional Bank namun tidak secara signifikan mengganggu
keberlangsungan aktivitas pelayanan kepada nasabah.
Secara umum dukungan sumber daya manusia perlu dikembangkan
dari segi kuantitas maupun kualitas serta kompetensi pada
masing masing fungsi untuk mendukung pengelolaan risiko
operasional Bank. Dalam mendukung pertumbuhan berkelanjutan,
sumber daya manusia dan budaya organisasi, maka Bank akan
selalu berupaya mendorong peningkatan kapasitas sumber daya
manusia berbasis budaya kinerja. Bank menyadari dengan adanya
proses merger terdapat akulturasi budaya kerja antar karyawan,
sehingga dibutuhkan proses akulturasi yang sejalan dengan nilai
organisasi.
Analisis & Pembahasan Manajemen Tata Kelola Perusahaan
Management Discussion & Analysis Corporate Governance
Laporan Tahunan | 2019 | Annual Report | 3
In accordance with the provisions of Financial Services Authority
on the application of risk management, the management of risk
conducted by the Bank included in the following:
1.
Credit risk was the risk due to the failure of the debtor and/or
other parties to meet obligations to the Bank. If the amount of
credit that was not refundable enough material, it could degrade
the performance of The Bank, which in turn could reduce the
soundness level and income of the Bank.
The Bank regularly monitored the credit risk and continuously
ensuring that possible losses due to failed pay the debtor as well
as the fulfillment of a contract could be minimized, both for the
individual debtor or a group or Bank. Measurement of capital
requirements for credit risk in accordance with FSA Circular Letter
No. 42 / SEOJK.03 / 2016 dated September 28, 2016 concerning
the Guidelines on the Calculation of RWA for Credit Risk by using
Standard Approach, along with its amendments SEOJK No. 11/
SEOJK.03/2018 dated August 15, 2018.
Market risk was the risk of loss on the position balance sheet and
off-balance sheet transactions include derivatives due to overall
changes market conditions, including the risk of changes in the
price of the option market risks including but not limited to interest
rate risk, exchange rate risk, equity risk, and commodity risk.
Bank use parameters in measuring market risk among others, the
Bank’s ability to absorb potential losses due to fluctuations in the
value in foreign currency exchange rates, capital adequacy to
absorb the risk of currency exchange rates, Net Open Position
(NOP) and the ability The Bank to anticipate potential losses due
to fluctuations in the exchange rate. In 2019, Bank has calculated
and maintain IRRBB (Interest Rate Risk in Banking Book) in
accordance with provision of the Financial Service Authority.
The measurement capital requirements for market risk carriedout
in accordance with the FSA Circular Letter No.38 / SEOJK.03
/2016 dated September 8, 2016 concerning Guidelines for the Use
of Standard Methods in the Calculation of the Minimum Capital
Requirement for Commercial Banks by considering Market Risk.
Operational Risk
Operational risk was the risk caused by the insufficiency and/or
malfunction of the process internal, human error, fraud, failure of
the system, or the presence of external conditions affecting the
Bank’s operations.
The Bank calculated the capital requirement for close operational
risks in accordance with FSA Circular Letter No. FSA. 24 / SEOJK.03
/ 2016 dated July 14, 2016 on the Calculation of RWA for
Operational Risk by Using the Basic Indicator Approach.
Bank has implemented a new core banking system, the IBKGS,
which was launched in the fourth quarter of 2019. Changes to
core banking system have an impact in Bank’s operational activity
but did not significantly interfere with the customer services.
In general, human resources need to be developed in terms of
quantity, quality and competence in every function to support
the Bank management of Bank Operational Risk. Supporting
sustainable growth, human resources and organization culture,
bank will always strive to encourage improvement based on
performance. Bank realize with the merger process there is a
difference in work culture between employees so an acculturation
process is needed in line with the organization value.
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
4 | PT Bank IBK Indonesia Tbk
Risiko Likuiditas
Risiko likuiditas adalah risiko akibat ketidakmampuan Bank untuk
memenuhi kewajiban yang jatuh tempo dari sumber pendanaan
arus kas dan/atau dari aset likuid berkualitas tinggi yang dapat
diagunkan, tanpa mengganggu aktivitas dan kondisi keuangan
Bank. Likuiditas berkaitan dengan kemampuan Bank untuk
menghimpun sejumlah tertentu dana dengan biaya tertentu
dalam jangka waktu tertentu.
Likuiditas berarti memiliki sumber dana yang cukup tersedia untuk
memenuhi semua kewajiban pada saat jatuh temponya. Bank
menjaga likuiditas dengan selalu mengantisipasi agar Bank tidak
mengalami kesulitan likuiditas, dengan cara adanya pembatasan
atau limit-limit tertentu, kepastian tersedianya dana pada saat
nasabah akan mengambil dananya, ataupun pada saat akan terjadi
pencairan kredit dan kewajiban- kewajiban lainnya. Pada tahun
2019, Bank telah menghitung dan memenuhi rasio likuiditas sesuai
standar Basel III yaitu rasio LCR (Liquidity Coverage Ratio) dan NSFR
(Net Stabil Funding Ratio).
Di sisi lain, Bank juga menyadari bahwa perilaku nasabah dalam
melakukan transaksi penarikan dan penyetoran dana dapat
berbeda dari pola kontraktualnya sehingga upaya mitigasi risiko
likuiditas juga dilakukan dengan memperhatikan loyalitas dan
perilaku nasabah. Fungsi pengelolaan likuiditas antara lain
dilakukan melalui
sedangkan untuk mendukung efekti tas ALMA dibentuk Assets and
Liabilities Committee (“ALCO”). Pertemuan ALCO dilakukan secara rutin
1 (satu) bulan sekali untuk memutuskan garis besar kebijakan yang
akan ditempuh dalam pengelolaan aset dan liabilitas. ALCO akan
menetapkan pricing untuk aset maupun liabilitas.
Risiko stratejik adalah risiko yang timbul karena penetapan dan
pelaksanaan strategi Bank yang tidak tepat, pengambilan
keputusan bisnis yang tidak tepat atau kurang responsifnya Bank
terhadap perubahan eksternal.
Dalam mengelola risiko stratejik, Bank telah membuat rencana
bisnis yang direview setiap tahun ataupun revisi yang dilakukan
di pertengahan tahun dan membuat rencana jangka panjang
(corporate strategic plan). Rencana bisnis yang sudah ditetapkan
dikomunikasikan kepada seluruh jajaran pegawai, dan
perkembangan realisasi dari rencana bisnis akan selalu dipantau.
Risiko Kepatuhan
Risiko kepatuhan adalah risiko akibat Bank tidak mematuhi dan/
atau tidak melaksanakan peraturan perundang -undangan dan
ketentuan yang berlaku.
Risiko kepatuhan dapat disebabkan oleh kegagalan Bank dalam
mematuhi atau melaksanakan peraturan perundan-undangan dan
ketentuan lain yang berlaku seperti ketentuan Rasio Kecukupan
Modal (CAR), Kualitas Aset Produktif, Penyisihan Penyusutan Aset
Produktif dan Batas Maksimun Pemberian Kredit.
Dalam mengelola kepatuhan, Bank telah membentuk satuan kerja
kepatuhan sesuai dengan Peraturan OJK No. 46/ POJK.03/2017
tanggal 12 Juli 2017 tentang Pelaksanaan Fungsi Kepatuhan Bank
Umum. Satuan Kerja Kepatuhan ini bertugas melakukan
pemantauan dan memastikan bahwa Bank tidak melakukan
pelanggaran terhadap ketentuan yang ada, mengkomunikasikan
kebijakan, internal maupun eksternal kepada pejabat dan
pegawai yang ada di setiap jenjang organisasi, melakukan analisa
kepatuhan terhadap produk baru, membuat checklist untuk
pembukaan kantor cabang atau cabang pembantu baru serta
checklist kepatuhan permohonan kredit.
Risiko Hukum
Risiko hukum adalah risiko akibat tuntutan hukum dan/atau
kelemahan aspek yuridis. Risiko hukum lain dapat disebabkan oleh
adanya tuntutan hukum, ketiadaan perundang -undangan yang
mendukung atau kelemahan perikatan seperti tidak dipenuhinya
syarat keabsahan kontrak.
Dalam pengelolaan risiko hukum, Bank telah membentuk bagian
legal yang bertugas untuk memantau segala hal yang berkaitan
dengan kegiatan hukum untuk mengurangi risiko hukum.
Penempatan pegawai di bagian legal telah sesuai dengan latar
belakang pendidikan, dan tetap dilakukan peningkatan
pengetahuan melalui pelatihan secara berkala.
Ikhtisar Utama
Performance Highlights
Liquidity Risk
Liquidity risk is the risk due to the inability Bank to meet the
obligations which was the due date of cash ow funding sources
and/or from high quality liquid assets that could be pledged,
without disrupting the activities and nancial condition. Liquidity
was associated with the ability of the Bank to collect a certain
amount of funds to certain costs in a given period of time.
Liquidity meant having sufficient nancial resources available
to meet all obligations on maturity date. The Bank maintained
liquidity the Bank did not anticipate that experiencing liquidity
problems, by means of their restrictions or limits certain, certainty
the availability of funds at the time the customer would take
funds, or will occur during thawing credit and other obligations.
In 2019 Bank also has calculated and complied liquidity ratio
according to Basel III, LCR (Liquidity Coverage Ratio) and NSFR
(Net Stable Funding Ratio).
On the other hand, The Bank was also aware that the behavior of
customers the withdrawal and deposit transactions funds might
differ from contractual pattern that liquidity risk mitigation
measures were also carried out with attention to loyalty and
customer behavior. Liquidity management functions among others
through the Assets and Liabilities Management (“ALMA”), where
as to support the effectiveness of ALMA established the Assets
and Liabilities Committee (“ALCO”). ALCO meetings conducted
regularly 1 (one) month once to decide policy outline would be
taken in the management of assets and liabilities. ALCO would set
the pricing for the asset or liability.
Strategic risk was the risk arising from establishment and
implementation of the Bank’s strategy imprecise, making business
decisions right or lack of responsiveness of the Bank to external
changes.
In managing strategic risk, The Bank had creating a business plan
that was reviewed annually or revisions made in the mid- year and
make long-term plans (corporate strategic plan). Business plans that
had been de ned communicated to all levels of employees, and
the progress of the realization of the business plan were monitored
regularly.
Compliance Risk
Compliance risk was the risk due to The Bank did not adhere to
and/or did not implement the rules of laws and regulations.
Compliance risks could be caused by a failure The Bank to comply
with or implement regulations and other provisions which applies
such provisions Capital Adequacy Ratio (CAR), Productive Asset
Quality, Provision Earning Assets Depreciation and maximum limit
Lending.
In managing compliance, the Bank has established the compliance
work unit in accordance with FSA Regulation No. 46/POJK.03/2017
dated July 12, 2017 on the Implementation of Commercial Bank
Compliance Function. The Compliance Work Unit is in charge of
monitoring and ensuring that the Bank does not violate existing
regulations, communicates policies, internal or external to
officials and employees at all levels of the organization, performs
compliance analysis of new products, makes checklists for
opening of branch offices or new subsidiary branches as well as
credit checklist compliance.
Legal risk was the risk due to lawsuits and/or weakness of the
judicial aspect. Other legal risks may be caused by the presence
of lawsuits, the absence of legislation supporting or weakness of
the engagement as non-ful llment of the term’s validity of the
contract.
In the management of legal risk, The Bank had formed part of the
legal duty to monitor all matters relating to the activities of law to
reduce legal risk. Placement of employees in legal compliance
with educational background, and still managed to increase
knowledge through training periodically.
Laporan Manajemen Profil Perusahaan
Management Report Company Profile
 Laporan Tahunan | 2019 | Annual Report | 5

Risiko reputasi adalah risiko yang timbul dari adanya publikasi
ataupun persepsi publik yang negatif yang terkait dengan kegiatan
usaha Bank. Mengingat reputasi dan kepercayaan merupakan pondasi
penting dalam industri perbankan, maka hilangnya kepercayaan
nasabah tersebut dapat berdampak langsung pada menurunnya
jumlah nasabah dan pendapatan, serta peningkatan biaya untuk
pemulihan kepercayaan masyarakat melalui aktivitas kehumasan.
Reputation risk was the risk arising from the presence of publicity
or negative public perception related to the Bank’s business
activities. Remembering reputation and trust was the foundation
important in the banking industry, the loss of that could impact
customer con dence directly on the declining number of customers
and income, as well as increased costs for restoration of public
con dence through activities public relations.

Dalam mengelola risiko reputasi, Bank telah mempunyai unit khusus
yang menangani pengaduan nasabah. Bank telah mempunyai Call
Center untuk memudahkan nasabah dalam menyampaikan keluhan
atau kendala yang dihadapi dan dapat dengan cepat menanggapi
serta membantu nasabah menyelesaikan masalah tersebut. Upaya
peningkatan pelayanan terhadap nasabah terus diupayakan untuk
ditingkatkan dengan adanya pembukaan jaringan kantor baru dan
kemudahan transaksi dengan menggunakan jaringan ATM Bersama.
In managing reputation risk, The Bank had a special unit that
handled complaints customers. The Bank had established the Call
Center to facilitate customers in delivering complaints or
obstacles encountered and could to quickly respond and help
customers resolve the problem. Efforts to improve service to
customers continued effort to be enhanced by the presence of
the opening of new offices and services transactions using the
ATM network together.

PROFIL RISIKO
Risk Profile

Penilaian profil risiko Bank yang disampaikan kepada Otoritas Jas a
Keuangan dilakukan melalui proses self assessment untuk menghasilkan
profil risiko yang terdiri dari risiko inheren dan kualitas penerapa n
manajemen risiko. Penilaian risiko dilakukan kepada 8 (delapan) jenis
risiko yaitu risiko kredit, risiko pasar, risiko likuiditas, risik o
operasional, risiko stratejik, risiko kepatuhan, risiko hukum dan risik o
reputasi.
The Bank’s risk profile assessment submitted to the Financial Services
Authority (FS A) was conducted through a self-assessment process
to generate a risk profile consisting of inherent risk and quality of risk
management implementation. Risk assessment was conducted for 8
(eight) types of risk, namely credit risk, market risk, liquidity risk,
operational risk, strategic risk, compliance risk, legal risk and
reputation risk.

HASIL SELF-ASSESSMENT PROFIL RISIKO IBK INDONESIA POSISI 31 DESEMBER 2019 :

Result of Self-Assessment Risk Profile IBK Indonesia Position December 31st, 2019 :

December 2019 December 2018

Peringkat Peringkat Kualitas Peringkat Peringkat Peringkat Kualitas Peringkat

Profil Risiko Risiko Inheren Manajemen Risiko Tingkat Risiko Risiko Inheren Manajemen Risiko Tingkat Risiko
Inherent Risk Risk Management Risk Ranking Inherent Risk Risk Management Risk Ranking
Risk Profile Rating Quality rating Rating Quality rating

Risiko Kredit Moderate Fair 3 Moderate Fair 3

Credit Risk

Risiko Pasar Low to Moderate Satisfactory 2 Low to Moderate Satisfactory 2

Market Risk

Risiko Likuiditas Low to Moderate Satisfactory 2 Low to Moderate Satisfactory 2

Liquidity Risk

Risiko Operasional Low to Moderate Satisfactory 2 Low to Moderate Satisfactory 2

Operational Risk

Risiko Hukum Low to Moderate Satisfactory 2 Low to Moderate Satisfactory 2

Legal Risk

Risiko Stratejik Moderate Fair 3 Moderate Fair 3

Strategic Risk

Risiko Kepatuhan Low to Moderate Satisfactory 2 Low to Moderate Satisfactory 2

Compliance Risk

Risiko Reputasi Low to Moderate Satisfactory 2 Low to Moderate Satisfactory 2

Reputation Risk

Peringkat Low to Moderate Satisfactory 2 Low to Moderate Satisfactory 2

Komposit
Composite Rank

Profil Risiko PT IBK Indonesia Tbk termasuk pada peringkat 2 (Low
to Moderate) yang pada umumnya terdapat beberapa karakteristik
antara lain: Dengan mempertimbangkan aktivitas bisnis yang
dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari risik o
inheren komposit tergolong Low to Moderate selama periode wakt u
tertentu di masa datang. Kualitas penerapan Manajemen Risiko secara
komposit memadai. Meskipun terdapat kelemahan minor, tetap i
kelemahan tersebut perlu mendapatkan perhatian manajemen.
The Risk Profile of PT IBK Indonesia Tbk is ranked 2 (Low to Moderate)
which generally has several characteristics such as: considering the
business activities of the Bank, the possibility of losses faced by the
Bank from the composite inherent risks is Low to Moderate over a
period of time come. Quality of Risk Management Implementation
in Satisfactory moderate composite. Even though there are minor
weakness, such weakness need not be the management’s attention.

Analisis & Pembahasan Manajemen Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Management Discussion & Analysis Corporate Governance Corporate Social Responsibility
6 | PT Bank IBK Indonesia Tbk
SISTEM PENGENDALIAN INTERNAL
Internal Control System
Sistem pengendalian internal Bank dilakukan oleh Audit Internal yang
dibentuk untuk dapat mengidentifikasi kemungkinan terjadinya suat u
kejadian yang dapat mempengaruhi operasional Bank, serta untuk
mengelola risiko agar tetap dalam batas toleransi (risk tolerance) da n
besaran risiko (risk appetite) sesuai ukuran dan kompleksitas
produknya, serta untuk memberikan keyakinan yang memadai dala m
rangka pencapaian tujuan Bank.
Untuk saat ini, Bank telah menyesuaikan dengan kerangka pengendalian
internal yang diakui secara internasional yaitu COSO ERM framework
dalam rangka memperkuat sistem pengendalian intern Bank.
Bank melakukan evaluasi efektivitas penerapan sistem pengendalia n
internal secara terus menerus dan berkesinambungan guna memanta u
dan memitigasi risiko-risiko yang dihadapi Bank secara efektif.
Selanjutnya hasil evaluasi menjadi dasar untuk tahapan perbaika n
dan penyempurnaan sistem ataupun kebijakan pengendalian yang
memungkinkan Bank meningkatkan efektivitas kegiatan operasional
sekaligus meminimalisir kejadian risiko yang merugikan Bank.
SISTEM WHISTLEBLOWING
Whistleblowing System
Dalam rangka memperkuat sistem pengendalian Fraud, Bank IBK
Indonesia telah memiliki dan menerapkan strategi anti Fraud secara
efektif setelah penunjukan melalui surat keputusan Direksi No.
SKEP/002/ DIR/XI15 tanggal 27 November 2015 tentang perubahan
penunjukan pejabat khusus penerapan strategi anti fraud dan perubahan
SKEP.004/DIR/XII/16 tanggal 20 Desember 2016 tentang perubahan
penunjukan pejabat khusus penerapan strategi anti Fraud, diperbarui
dengan SKEP 002/DIR/IX/19 Pembentukan Fungsi Anti Fraud.
Penerapan Strategi Anti Fraud bagi Bank Umum, yaitu penjabaran
berdasarkan 4 (empat) pilar sebagai berikut:
1.
b. Identifikasi kerawanan
Investigasi, Pelaporan, dan Sanksi
a. Investigasi
b. Pelaporan
c. Pengenaan Sanksi
Pemantauan, Evaluasi dan Tindak Lanjut
a. Pemantauan
b. Evaluasi
c. Tidak lanjut
KODE ETIK
Ethic Code
Kode Etik Bank tertuang dalam Kebijakan dan Prosedur tertanggal
20 Maret 2013 yang berisikan ketentuan-ketentuan yang mengatur
mengenai Etika Berperilaku Karyawan dan Benturan Kepentingan.
Kode Etik Bank wajib dipatuhi dan diterapkan oleh Dewan Komisaris,
Direksi, Pejabat Eksekutif dan Seluruh Karyawan dan setiap karyawa n
diwajibkan menandatangani Surat Pernyataan bahwa telah membaca,
memahami dan menerima seluruh Kode Etik Perusahaan dan berjanj i
untuk mematuhinya dengan segala konsekuensi yang akan diterapkan.
• Kepuasan Nasabah
• Kepercayaan dan Tanggung Jawab
• Keinginan Kuat yang Kreatif
• Tim Kerja yang baik
SANKSI ADMINISTRATIVE DARI OTORITAS JASA KEUANGAN
Administrative Penalty From Financial Service Authority
Ikhtisar Utama
Performance Highlights
The Bank’s internal control system is carried out by Internal Audit
to be able to identify the possibility of an event that can affect the
Bank’s operations, as well as to manage risk in order to remain within
risk tolerance and risk appetite according to the size and complexity
of its products, and to provide adequate confidence in achieving the
Bank’s objectives.
Currently, the Bank has adapted to the internationally recognized
internal control framework of the COSO ERM framework (Internal
Environment, Objective Setting, Event Identification, Risk Assessment,
Risk Response, Control Activities, Information & Communication and
Monitoring) in order to strengthen the Bank’s internal control system.
The Bank continuously evaluates the effectiveness of the
implementation of the internal control system to monitor and mitigate
the risks faced by the Bank effectively.
Furthermore, the results of the evaluation form the basis for the
system improvement stages and the control policies that enable the
Bank to increase the effectiveness of operational activities while
minimizing the adverse risk events for the Bank.
In order to strengthen the Fraud control system, IBK Bank Indonesia
implemented an anti-Fraud strategy effectively after the appointment
through the Decree of the Board of Directors No. SKEP/002/DIR/XI/15
dated 27 November 2015 concerning changes to the appointment of
special officers implementing anti-Fraud strategy and changes to No.
SKEP/004/DIR/XII/16 dated 20 December 2016 concerning changes to
the appointment of special officers implementing anti-Fraud strategy,
updated with No. SKEP/002/DIR/IX/19 concerning Establishement of
Anti-Fraud Function.
The implementation of the Anti-Fraud Strategy for Commercial Banks,
namely the elaboration based on 4 (four) pillars as follows:
1.
a. Anti fraud awareness
b. Identification of Vulnerability
c. Know Your Employee
a. Whistleblowing Policies and Mechanisms
b. Surprise Audit
c. Surveillance System
Investigation, Reporting, Sanctions
a. Investigation
b. Reporting
c. Imposition of Sanctions
Monitoring, Evaluation, Follow-up
a. Monitoring
b. Evaluation
c. Follow-up
The Bank’s Code of Ethics is stated in the Policy and Procedure dated
March 20, 2013 which contains provisions governing Employees Code
of Ethics and Conflicts of Interest. The Bank’s Code of Ethics must be
obeyed and implemented by the Board of Commissioners, Directors,
Executive Officers and All Employees. Every employee is required to
sign a statement letter as a proof that they have read, understood
and accepted the entirety of the Company’s Code of Ethics and
promised to comply with all the consequences applied.
CORPORATE CULTURE
• Customer Happiness
• Trust and Responsibility
• Creative Passion
• Strongest Teamwork
Laporan Manajemen Profil Perusahaan
Management Report Company Profile
 Laporan Tahunan | 2019 | Annual Report | 7

In 2019, The Bank had no adminitrative penalty in material aspect that

Pada tahun 2019, tidak ada sanksi administratif yang bersifat material could affect the Bank’s business.
yang dapat mempengaruhi usaha Bank.

Analisis & Pembahasan Manajemen Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Management Discussion & Analysis Corporate Governance Corporate Social Responsibility
8 | PT Bank IBK Indonesia Tbk

AKSES INFORMASI DAN DATA PERUSAHAAN

Access Of Information And Corporate Data

Dengan menjadi perusahaan terbuka, Bank berkomitmen untuk
memberikan kemudahan terhadap akses informasi bagi seluruh
pemangku kepentingan melalui situs resmi Bank yaitu www.ibk. co.id.
Sesuai dengan persyaratan atas keterbukaan informasi, maka Bank juga
secara konsisten melaporkan informasi material dan fakta material ke
otoritas pasar modal baik secara tertulis ke OJK maupun melalui
pelaporan secara elektronik ke PT Bursa Efek Indonesia.
By becoming a public Bank, the Bank committed to provide convenience
to access information for all stakeholders through the official website
of the Bank www.ibk.co.id. In accordance with the requirements on
information disclosure, the Bank also consistently reported material
information and material facts to the capital market authority either
in writing to the FSA or through electronic reporting to the Indonesia
Stock Exchange.

Investor, analis dan Pemegang Saham dapat menghubungi Sekretaris Investors, analysts and Shareholders could contact the Corporate
Perusahaan untuk mendapatkan data atau informasi yang dibutuhka n Secretary to obtain the required information data through the
melalui kontak berikut ini: following contacts:

SEKRETARIS PERUSAHAAN CORPORATE SECRETARY

PT Bank IBK Indonesia Tbk PT Bank IBK Indonesia Tbk
Wisma GKBI Suite UG-01 Wisma GKBI Suite UG-01
Jl. Jend. Sudirman No. 28, Jakarta 10210, Indonesia Jl. Jend. Sudirman No. 28, Jakarta 10210, Indonesia
Phone : +62 21 5790 8888 Phone : +62 21 5790 8888
Fax : +62 21 579 0 6888 Fax : +62 21 579 0 6888
corsec@ibk.co.id corsec@ibk.co.id

PERMASALAHAN HUKUM PENTING YANG DIHADAPI PERUSAHAAN

Important Legal Issue Faced by The Company

Sepanjang tahun 2019, jumlah permasalahan hukum perdata da n Along the year of 2019, total of civil and criminal law issue that are
pidana yang dihadapi Bank dan upaya yang dilakukan untuk melakuka n faced vy the Bank, and the effort to overcome it are as follows:
penyelesaian adalah sebagai berikut:

Perdata Pidana
Civil Law Criminal Law
Telah mendapatkan putusan yang mempunyai - Telah mendapatkan putusan yang mempunyai -
kekuatan hukum tetap kekuatan hukum tetap
Has obtained a decision that has permanent legal force Has obtained a decision that has permanent legal force
Dalam Proses 2 Dalam Proses -
In Process In Process
Jumlah Jumlah
Total 2 Total -

Permasalahan hukum berupa perkara perdata dan pidana yang Legal issues in the form of civil and criminal cases faced by the Bank
dihadapi oleh Bank tidak dikategorikan sebagai perkara penting dan/ are not categorized as important cases and / or have no material impact.
atau tidak berdampak material.

PRINSIP DAN REKOMENDASI TATA KELOLA

Good Corporate Governance Principals & Recommendation

Hubungan Perusahaan Dengan Pemegang Saham Dalam menjamin Hak-Hak Pemegang Saham.
The Relationships Between The Company with Shareholders In Ensuring the Rights of Shareholders.

Principle Recommendation Compliance

Meningkatkan Nilai Penyelenggaraan Rapat
Umum Pemegang Saham (RUPS).
Increased the value of General Meeting of
Shareholders (GMS) Implementation.
Perusahaan memiliki cara atau prosedur teknis pengumpulan suara (voting) baik secara
terbuka maupun tertutup yang mengedepankan independensi, dan kepentingan
Pemegang Saham.
Company had methods or technical procedures for poll (voting), either open or closed
that promoted the independence and the interests of shareholders.
Seluruh anggota Direksi dan anggota Dewan Komisaris Perusahaan hadir dalam RUPS Tahunan.
All members of the board of Directors and board of Commissioners of The Company
should be present at the AGMS.
Ringkasan risalah RUPS tersedia dalam Situs Web Perusahaan paling sedikit selama 1
(satu) tahun.
Minutes of meeting of the SGM were available in the website of the The Company for
at least one (1) year.

Meningkatkan Kualitas Komunikasi Perusahaan
dengan Pemegang Saham atau Investor.
Improved the Quality of Company Communications
with Shareholders or investors.
Perusahaan memiliki suatu kebijakan komunikasi dengan Pemegang Saham atau Investor.
The Company had methods or a policy of communication with shareholders or investors.
Perusahaan mengungkapkan kebijakan komunikasi Perusahaan dengan Pemegang Saham
atau Investor dalam Situs Web.
The Company revealed its communication policy with shareholders or investors in
website.

Fungsi dan Peran Dewan Komisaris

The Functions and Roles of The BOC

Principle Recommendation Compliance

Memperkuat Keanggotaan dan Komposisi Penentuan jumlah anggota Dewan Komisaris mempertimbangkan kondisi Perusahaan.
Dewan Komisaris. Determined the number of members of the board of Commissioners considered the
Strengthened the Membership and compositions condition of The Company.
of the board of Commissioners. Penentuan komposisi anggota Dewan Komisaris memperhatikan keberagaman keahlian,
pengetahuan, dan pengalaman yang dibutuhkan.
Determined the composition of the board of Commissioners with the consideration to
Ikhtisar Utama Laporan Manajemen Profil Perusahaan
Performance Highlights Management Report Company Profile
 Laporan Tahunan | 2019 | Annual Report | 9

the diversity
of skills,
knowledge
and
experience
required.

Analisis & Pembahasan Manajemen Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Management Discussion & Analysis Corporate Governance Corporate Social Responsibility
10 | PT Bank IBK Indonesia Tbk
The Functions and Roles of The Board of Commissioners
Principle
Meningkatkan Kualitas Pelaksanaan Tugas dan
Tanggung Jawab Dewan Komisaris.
Improved the Quality of Duties and Responsibilities
of the board of Commissioners.
Principle
Memperkuat Keanggotaan dan Komposisi Direksi.
Strengthened Membership and composition of
the board of Directors.
Meningkatkan Kualitas Pelaksanaan Tugas dan
Tanggung Jawab Direksi.
Improved the Quality of Duties and Responsibilities
of Directors.
Partisipasi Pemangku Kepentingan
Principle
Meningkatkan Aspek Tata Kelola Perusahaan
melalui Partisipasi Pemangku Kepentingan.
Increased Aspects of Corporate Governance
through Stakeholder Participation.
Keterbukaan Informasi
Information Disclosure
Principle
Meningkatkan Pelaksanaan Keterbukaan Informasi.
ImprovedtheImplementation of Information Disclosure.
Ikhtisar Utama
Performance Highlights
Recommendation Compliance
Dewan Komisaris mempunyai kebijakan penilaian sendiri (self assessment) untuk menilai
kinerja Dewan Komisaris.
BOC policy assessment (self-assessment) to assess the performance of the board of Commissioners.
Kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Dewan Komisaris,
diungkapkan melalui Laporan Tahunan Perusahaan.
Policy assessment (self-assessment) to assess the performance of the board of
Commissioners, disclosed through the Annual Report of The Company.
Dewan Komisaris mempunyai kebijakan terkait pengunduran diri anggota Dewan
Komisaris apabila terlibat dalam kejahatan keuangan.
BOC had a policy related to the resignation of members of the board of Commissioners
when involved in financial crimes.
Dewan Komisaris atau Komite yang menjalankan fungsi Nominasi dan Remunerasi
menyusun kebijakan suksesi dalam proses Nominasi anggota Direksi.
BOC or committee that ran the Nomination and Remuneration function developed
succession policies in the process of Directors members Nomination.
Recommendation Compliance
Dewan Komisaris mempunyai kebijakan penilaian sendiri (self assessment) untuk menilai
kinerja Dewan Komisaris.
BOC policy assessment (self-assessment) to assess the performance of the board of
Commissioners.
Kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Dewan Komisaris,
diungkapkan melalui Laporan Tahunan Perusahaan.
Policy assessment (self-assessment) to assess the performance of the board of
Commissioners, disclosed through the Annual Report of The Company.
Dewan Komisaris mempunyai kebijakan terkait pengunduran diri anggota Dewan
Komisaris apabila terlibat dalam kejahatan keuangan.
BOC had a policy related to the resignation of members of the board of Commissioners
when involved in financial crimes.
Dewan Komisaris atau Komite yang menjalankan fungsi Nominasi dan Remunerasi
menyusun kebijakan suksesi dalam proses Nominasi anggota Direksi.
BOC or committee that ran the Nomination and Remuneration function developed
succession policies in the process of Directors members Nomination.
Direksi mempunyai kebijakan penilaian sendiri (selfassessment) untuk menilai kinerja Direksi.
The Company had a communication policy with shareholders or investors.
Kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Direksi diungkapkan
melalui laporan tahunan Perusahaan.
Policy assessment (self-assessment) to assess the performance of the board of Directors
expressed through the annual report of the Company.
Direksi mempunyai kebijakan terkait pengunduran diri anggota Direksi apabila terlibat
dalam kejahatan keuangan.
Directors had policies related to the resignation of the board of Directors members if
they were involved in financial crimes.
Recommendation Compliance
Perusahaan memiliki kebijakan untuk mencegah terjadinya
The Company had a policy to prevent insider trading.
Perusahaan memiliki kebijakan anti korupsi dan
The Company had a policy of anti-corruption and anti-fraud.
Perusahaan memiliki kebijakan tentang seleksi dan peningkatan kemampuan pemasok atau vendor.
The Company had a policy of selection and upgrades supplier or vendor.
Perusahaan memiliki kebijakan tentang pemenuhan hak-hak kreditur.
The Company had a policy on the fulfillment of the rights of creditors.
Perusahaan memiliki kebijakan sistem
The Company had a policy of whistleblowing systems.
Perusahaan memiliki kebijakan pemberian insentif jangka panjang kepada Direksi dan karyawan.
The Company had a policy of long-term incentives for directors and employees.
Recommendation Compliance
Perusahaan memanfaatkan penggunaan teknologi informasi secara lebih luas selain Situs
Web sebagai media keterbukaan informasi.
The Company utilized the use of information technology more widely besides Website as
a media openness of The Company.
Laporan Tahunan Perusahaan mengungkapkan pemilik manfaat akhir dalam kepemilikan
saham Perusahaan paling sedikit 5% (lima persen), selain pengungkapan pemilik manfaat
akhir dalam kepemilikan saham Perusahaan melalui Pemegang Saham Utama dan Pengendali.
Annual Report which disclosed the ultimate beneficiary owners in the ownership of
Company shares at least 5% (five percent), in addition to the disclosure of the final
beneficial owner in the Company’s ownership through the main Shareholder and Controller.
Laporan Manajemen Profil Perusahaan
Management Report Company Profile
 Laporan Tahunan | 2019 | Annual Report | 11

Analisis & Pembahasan Manajemen Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Management Discussion & Analysis Corporate Governance Corporate Social Responsibility