Danamon memiliki komite di bawah Direksi yang

Komite-komite di bawah Direksi
Committees under the Board of Directors
Danamon memiliki komite di bawah Direksi yang mendukung pelaksanaan tugas dan
tanggung jawab Direksi dengan memberikan saran dan rekomendasi yang dapat dijadikan
acuan oleh Direksi untuk mengambil keputusan. Komite-komite di bawah Direksi adalah
sebagai berikut:
Danamon has established committees under the Board of Directors tasked to support the
implementation of the duties and responsibilities of the Board of Directors. These committees
provide suggestions and recommendations used by the Board of Directors as reference in decision
making. Committees under the Board of Directors are as follows:
a.
b.
c.
d.
e.
f.
g.
Komite Manajemen Risiko/ Risk Management Committee;
Komite Assets & Liabilities/ Assets & Liabilities Committee;
Komite Pengarah Teknologi Informasi/ Information Technology Steering Committee;
Komite Fraud/ Fraud Committee;
Komite Kepatuhan/ Compliance Committee;
Komite Manajemen Risiko Operasional/ Operational Risk Management Committee;
KomiteManajemen Risiko Terintegrasi/ Integrated Risk Management Committee.
Komite-komite di bawah Direksi
Committees under the Board of Directors
Komite Manajemen Risiko
Risk Management Committee
Struktur dan Keanggotaan Komite/ Committee Structure and Membership
No.
Kedudukan/
Role
Jabatan/
Title
1.
Ketua/
Chairman
Direktur Integrated Risk/
Independent Commissioner
2.
Anggota/
Member
Direktur Utama/
President Director
3.
Anggota/
Member
Direktur Hukum dan Kepatuhan/
Director of Legal and Compliance
4.
Anggota/
Member
Direktur Perbankan Syariah/
Director of Syariah Banking
5.
Anggota/
Member
Direktur Operation/
Director of Operation
6.
Anggota/
Member
Direktur Consumer Banking dan SME/
Director of Consumer Banking and SME
7.
Anggota/
Member
Direktur Keuangan/
Director of Finance (CFO)
8.
Anggota/
Member
Direktur Micro Banking/
Director of Micro Banking
9.
Anggota/
Member
Direktur Treasury dan Capital Market/
Director of Treasury and Capital Market
10.
Anggota/
Member
Direktur Corporate dan Commercial (Wholesale Banking)/
Director of Corporate and Commercial (Wholesale Banking)
11.
Anggota/
Member
Direktur Teknologi Informasi/
Director of Information Technology
12.
Anggota/
Member
Direktur Sumber Daya Manusia/
Director of Human Resources
Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee
1. Membantu Direksi dalam melakukan tanggung jawabnya terkait dengan manajemen risiko.
Support the Board of Directors in performing their duties with regard to risk management.
Komite-komite di bawah Direksi
Committees under the Board of Directors
2. Menetapkan rencana, arahan, kebijakan dan strategi manajemen risiko Danamon dan Perusahaan
Anak.
Define the risk management plan, direction, policies, strategies of Danamon and its subsidiaries.
3. Memastikan seluruh kegiatan Danamon sesuai dengan aturan dan regulasi yang berlaku.
Ensure all Danamon activities are in line with the prevailing rules and regulations.
4. Menetapkan atas hal-hal yang terkait dengan keputusan-keputusan bisnis yang menyimpang dari
prosedur normal.
Decide aspects concerning business decisions which deviate from normal procedures.
5. Menentukan metodologi manajemen risiko yang paling sesuai untuk pengelolaan risiko, menentukan
pembentukan cadangan melalui kebijakan untuk mengakomodasi potensi risiko yang inherent dan
memastikan ketersediaan prosedur pemulihan dari bencana.
Define the most suitable risk management methodologies for managing the risks, build up the reserve
through policies to accommodate the inherent potential risks and ensure the availability of post
catastrophic restoration procedures.
6. Memantau pengembangan kebijakan dan strategi risiko dan merekomendasikan kepada Direksi untuk
persetujuan atas keseluruhan strategi, kebijakan inti, proses dan sistem manajemen risiko.
Monitor the development of procedures and risk strategies and provide recommendations to the Board
of Directors for approval on all strategies, key policies, processes and systems of risk management.
7. Mengkaji berbagai portofolio kredit, market & liquidity, operasional dan risiko yang signifikan serta
melaporkannya kepada Direksi melalui profil risiko dan eksposur risiko Bank secara berkala.
Review credit portfolios, market liquidity, operations and significant risks, periodically reporting the
Bank’s risk profile and risk exposures to the Board of Directors.
8. Mengevaluasi pelaksanaan proses manajemen risiko dan melaksanakan perbaikan-perbaikan yang
sejalan dengan perubahan-perubahan eksternal dan internal yang dapat mempengaruhi tingkat
kecukupan modal Danamon, tingkat modal Perusahaan Anak serta profil risikonya.
Evaluate the implementation of risk management processes and perform improvement in line with
external and internal affecting Danamon’s or its subsidiaries’ capital adequacy or risk profiles.
9. Mengevaluasi struktur organisasi risiko di Danamon dan Perusahaan Anak untuk memastikan bahwa
proses-proses pengelolaan risiko sudah sesuai dengan perkembangan organisasi.
Evaluate the risks of the organizational structure of Danamon and its subsidiaries to ensure that the
process of risk management is in line with the organization development.
Komite-komite di bawah Direksi
Committees under the Board of Directors
Komite Assets & Liabilities
Assets & Liabilities Committee
Struktur dan Keanggotaan Komite/ Committee Structure and Membership
No.
Kedudukan/
Role
Jabatan/
Title
1.
Ketua/
Chairman
Direktur Utama/
President Director
2.
Ketua (Alternatif)/
Chairman (Alternate)
Direktur Keuangan/
Director of Finance (CFO)
3.
Anggota/
Member
Direktur Sales and Distribution/
Director of Sales and Distribution
4.
Anggota/
Member
Direktur Treasury dan Capital Market/
Director of Treasury and Capital Market
5.
Anggota/
Member
Direktur Transaction Banking/
Director of Transaction Banking
6.
Anggota/
Member
Direktur Corporate dan Commercial (Wholesale Banking)/
Director of Corporate and Commercial (Wholesale Banking)
7.
Anggota/
Member
Direktur Consumer Banking dan SME/
Director of Consumer Banking and SME
8.
Anggota/
Member
Direktur Micro Banking/
Director of Micro Banking
Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee
1. Menetapkan ruang lingkup kerja Komite, prosedur rapat, proses kerjanya dan membentuk sub-komite
untuk mendukung komite.
Define the scope of work of the Committee, meeting procedures, work process, and the formation of
subcommittees to support the committee.
2. Menentukan kebijakan dan petunjuk tentang likuiditas, risiko bunga, dan manajemen permodalan di
Bank dan Perusahaan Anaknya yang merefleksikan kecukupan likuiditas dan modal, pendanaan yang
stabil dan terdiversifikasi dengan mematuhi peraturan yang berlaku.
Decide on the policies and directions on liquidity, interest risks, and capital management at the Bank
and its subsidiaries which reflect the adequacy of liquidity and capital, stable and diversified financing
by complying to the prevailing regulations.
Komite-komite di bawah Direksi
Committees under the Board of Directors
3. Melakukan evaluasi kondisi pasar dan pengaruhnya terhadap kondisi likuiditas Bank, NII, dan
permodalan serta menyetujui tindakan paling tepat.
Perform evaluation on market conditions and their impacts on the conditions of Bank liquidity, NII, and
capital as well as approve the most appropriate actions.
4. Melakukan evaluasi komposisi pendanaan dan menyetujui setiap perubahan dalam strategi dan
alternative pendanaan termasuk institusional/struktural pendanaan baru.
Perform evaluation on the composition of financing and approve every modification on strategy and
alternative financing including new institutional/structural financing.
5. Melakukan review tentang strategi likuiditas, suku bunga dan permodalan yang diajukan oleh TCM,
sekaligus memonitor implementasinya, dengan setiap bulannya melakukan evaluasi hal-hal berikut ini:
Conduct reviews on liquidity strategy, interest rate, and capital as proposed by TCM, and at the same
time monitor the implementation, by performing evaluation on a monthly basis for the following
aspects:
-
Indikator peringatan dini/ Early warning indicators.
Pergerakan terkini komponen kunci dari neraca/ Latest movement on key components of the
balance sheet.
Posisi dan proyeksi likuiditas/ Position and projection of the liquidity.
Analisa deposito/ Deposit analysis.
Memonitor kebijakan pendanaan darurat (CFP)/ Monitoring on Contingency Funding Plan (CFP).
Update tentang professional funding/ Updates on Professional Funding.
Pembahasan FTP/ Discussions on FTP.
Evaluasi aktifitas AFS/ Evaluation on AFS activities.
Pembahasan limit, target dan indikator risiko pasar/ Discussion on limits, targets, and indicators of
market risks.
Hal-hal lainnya yang berkaitan dengan ALCO/ Other issues relevant with ALCO.
6. Secara berkala, melakukan evaluasi dan menyetujui hal-hal berikut ini:
Periodically, perform evaluations and approve the following aspects:
-
-
Kebijakan tentang likuiditas, risiko suku bunga pada neraca dan FTP/ Policies on liquidity, interest
rate risks on the balance sheet and FTP.
Kebijakan pendanaan darurat/ Policies on contingency funding plan.
Asumsi untuk stress test likuiditas/ Assumptions for liquidity stress tests.
Merekomendasikan kepada Dewan Komisaris semua limit/target/pemicu termasuk AFS yang
terkait dengan neraca. Dewan Komisaris bertanggung jawab untuk memberi persetujuan untuk
limit yang ditetapkan oleh ALCO/ Provide recommendations to the Board of Commissioners of all
limits/targets/triggers including AFS related to the balance sheet. The Board of Commissioners is
responsible to grant approvals for limits set up by ALCO.
Perhitungan core untuk suku bunga dan likuiditas/ Core calculation for interest rate and liquidity.
Merekomendasikan kepada Dewan Komisaris semua rencana tindakan koreksi jika terjadi
pelampauan limit/pemicu yang terkait dengan neraca/ Provide recommendations to the Board of
Commissioners on all corrective action plans in case of excess threshold/trigger related to the
Balance Sheet.
Komite-komite di bawah Direksi
Committees under the Board of Directors
Komite Pengarah Teknologi Informasi
Information Technology Steering Committee
Struktur dan Keanggotaan Komite/ Committee Structure and Membership
No.
Kedudukan/
Role
Jabatan/
Title
1.
Ketua/
Chairman
Direktur Utama/
President Director
2.
Ketua (Alternatif)/
Chairman (Alternate)
Chief Information Officer/
Chief Information Officer
3.
Anggota/
Member
Chief Risk Officer/
Chief Risk Officer
4.
Anggota/
Member
Kepala SKAI (tidak memiliki hak suara)/
Division Head, Internal Audit (non-voting rights)
5.
Kelompok A/
Group A
Anggota/
Member
Direktur Consumer Banking dan SME/
Director of Consumer Banking and SME
Anggota/
Member
Direktur Micro Banking/
Director of Micro Banking
Anggota/
Member
Direktur Sales and Distribution/
Director of Sales and Distribution
Anggota/
Member
Transaction Bank Head/
Transaction Bank Head
6.
Kelompok B/
Group B
Anggota/
Member
Chief Financial Officer/
Chief Financial Officer
Anggota/
Member
Direktur Perbankan Syariah/
Director of Syariah Banking
Anggota/
Member
Operation Head/
Operation Head
Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee
1. Sehubungan dengan rencana strategis bisnis grup, secara berkala mengkaji strategi IT grup, termasuk
roadmap bersamaan dengan sumber daya dan keuangan yang dipersyaratkan. Mengevaluasi dan
menyetujui perubahan-perubahan sesuai dengan kebutuhan grup.
Komite-komite di bawah Direksi
Committees under the Board of Directors
In conjunction with the group business strategic plan, periodically review the strategy of group IT,
including the roadmap along with the prerequisite human resources and finance. Evaluate and approve
the modifications in this department in line with the Group requirements.
2. Membuat kebijakan IT seperti kebijakan keamanan dan kebijakan manajemen risiko IT.
Prepare IT policies such as security policies and IT risk management policies.
3. Memastikan agar proyek IT dan rencana strategis IT sejalan dan memastikan prioritasnya.
Ensure that IT projects and IT strategic plans are in harmony and ensure priorities.
4. Secara berkala mengkaji indikator tingkat layanan system produksi grup termasuk keefektifan kebijakan
keamanan, menanggulangi jika terdapat persoalan dan merekomendasikan perbaikan-perbaikan.
Periodically review the indicators of group production system service level including the effectiveness of
security policies, dealing with issues and recommending improvements.
5. Mengkaji dan menyetujui investasi CAPEX dalam konteks strategi, blueprint, prioritas dan roadmap IT
kelompok. Mendefinisikan dan mengimplementasikan persetujuan panduan CAPEX, PAM dan OPEX IT
sehingga konsisten dengan kebijakan pengadaan.
Review and approve CAPEX investments within the context of strategy, blueprint, priorities, and group
IT roadmap. Define and implement the approval of CAPEX, PAM, and OPEX IT guidelines as consistent
with the procurement policies.
6. Memantau perkembangan proyek inti IT grup dengan arahan masing-masing Komite Pengarah Proyek
Teknologi Informasi, menanggulangi setiap permasalahan dan merekomendasikan perbaikan-perbaikan
yang dapat dilakukan. Perbaikan-perbaikan tersebut akan diimplementasikan oleh tim proyek.
Monitor the development of core IT Group projects through the directions provided by each of the
member of Information Technology Project Steering Committee, dealing with each issue, and
recommend possible improvements. Such improvement will then be implemented by project teams.
7. Mengkaji keefektifan Rencana Mitigasi Risiko atas pelaksanaan investasi IT beserta memastikan
kontribusi investasi terhadap bisnis grup.
Review the effectiveness of Risk Mitigation Plan on the implementation of IT investments in addition to
ensure the contribution of the investment toward the group business.
8. Memastikan alokasi sumber IT yang tepat dan baik. Jika diperlukan untuk menggunakan pihak ketiga
untuk membantu pelaksanaan implementasi proyek, KPTI harus memastikan adanya kebijakan dan
prosedur untuk pelaksanaan proses memilih dan menunjuk pihak ketiga tersebut.
Ensure the allocation of appropriate and efficient IT resources. In case of requirements to utilize third
parties to support project implementation, Information Technology Steering Committee must ensure
the availability of policies and procedures of selecting and appointing the third party.
9. Mengkaji secara rutin manfaat yang diberikan oleh proyek-proyek IT grup kepada berbagai unit bisnis
dan fungsi pendukung.
Routinely review the benefits provided by IT Group projects to various business units and supporting
functions.
10. Mengkaji secara rutin OPEX dan CAPEX IT grup.
Routinely review OPEX and CAPEX of IT Group.
Komite-komite di bawah Direksi
Committees under the Board of Directors
11. Mendefinisikan dan mengimplementasikan inisiatif IT termasuk juga Manajemen untuk sistem
Informasi yang diperlukan guna mendukung bisnis grup.
Define and implement IT initiatives including the Management of information system required in order
to support group business.
12. Melakukan penilaian diri sendiri paling tidak setahun sekali untuk menentukan apakah KPTI berfungsi
efektif.
Conduct self-assessment at a minimum on an annual basis in order to determine the effective functions
of Information Technology Steering Committee.
13. Melakukan tugas dan tanggung jawab lainnya yang dilimpahkan oleh Direksi dari waktu ke waktu.
Perform other duties and responsibilities assigned by the Board of Directors from time to time.
Komite-komite di bawah Direksi
Committees under the Board of Directors
Komite Fraud
Fraud Committee
Struktur dan Keanggotaan Komite/ Committee Structure and Membership
Kantor Pusat/ Head Office
No.
Kedudukan/
Role
Jabatan/
Title
1.
Ketua/
Chairman
Direktur Hukum dan Kepatuhan/
Director of Legal and Compliance
2.
Anggota/
Member
Direktur Integrated Risk/
Independent Commissioner
3.
Anggota/
Member
Direktur Operation/
Director of Operation
4.
Anggota/
Member
Kepala Divisi Sumber Daya Manusia/
Division Head, Human Resources
5.
Anggota/
Member
Kepala SKAI/
Division Head, Internal Audit
6.
Anggota/
Member
Kepala Divisi Litigasi/
Division Head, Litigation
7.
Anggota/
Member
Kepala Unit Investigasi Fraud/
Unit Head, Fraud Investigation
8.
Anggota/
Member
Direktur atau Kepala Line of Business Terkait/
Director(s) or Head(s) of related business line(s)
Regional/ Regional
No.
Kedudukan/
Role
Jabatan/
Title
1.
Ketua/
Chairman
Regional Corporate Officer/
Regional Corporate Officer
2.
Sekretaris/
Secretary
Kepala Sumber Daya Manusia Regional/
Head, Regional Human Resources
3.
Anggota/
Member
Regional Transaction Service Head/
Manager, Regional Transaction Service
4.
Anggota/
Member
Regional Transaction Service Manager/
Regional Transaction Service Manager
Komite-komite di bawah Direksi
Committees under the Board of Directors
5.
Anggota/
Member
Regional Segment Head Terkait/
Head, related Regional Segment
Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee
1. Memutuskan sanksi bagi setiap pekerja Danamon yang melakukan atau terlibat dalam fraud dengan
memperhatikan peraturan Danamon, Perjanjian Kerja Bersama (PKB), serta Kode Etik dan Nilai Budaya
Danamon dalam pelaksanaan tugasnya.
Decide the appropriate disciplinary action for each Danamon employee engaged in or involved in
fraudulent activities by taking into account Danamon’s regulations, Collective Labor Agreement (CLA),
as well as Code of Ethics and Danamon’s Cultural Values.
2. Menelaah proses kerja dan kontrol yang ada untuk mengambil langkah-langkah preventif maupun
perbaikan yang diperlukan untuk mencegah terulangnya fraud.
Decide the work process and existing control to take preventive as well as remedial actions necessary
to avoid the potential of such fraud recurring.
Komite-komite di bawah Direksi
Committees under the Board of Directors
Komite Kepatuhan
Compliance Committee
Struktur dan Keanggotaan Komite/ Committee Structure and Membership
No.
Kedudukan/
Role
Jabatan/
Title
1.
Ketua/
Chairman
Direktur Hukum dan Kepatuhan/
Director of Legal and Compliance
2.
Anggota/
Member
Direktur Integrated Risk/
Independent Commissioner
3.
Anggota/
Member
Direktur Operation/
Director of Operation
4.
Anggota/
Member
Kepala Divisi AML-CFT/
Division Head, AML-CFT
5.
Anggota/
Member
Kepala Manajemen Risiko Operasional/
Head, Operational Risk Management
6.
Anggota/
Member
Kepala SKAI/
Head, Internal Audit
7.
Anggota/
Member
Kepala Divisi Kepatuhan/
Division Head, Compliance
Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee
1. Mengkaji kerangka kepatuhan Danamon guna memantau tingkat kepatuhan terhadap peraturan dan
perundang-undangan yang berlaku.
Review Danamon’s compliance framework in order to monitor the level of compliance with the
prevailing laws and regulations.
2. Mengkaji dan mengevaluasi hasil pemeriksaan yang dilakukan oleh pihak-pihak eksternal seperti Bank
Indonesia, Otoritas Jasa Keuangan dan pihak lainnya yang terkait.
Review and evaluate the audit results performed by external parties such as Bank Indonesia, Financial
Services Authority, and other relevant parties.
3. Melakukan pemantauan terhadap pelaksanaan langkah-langkah perbaikan dan memastikan ketaatan
Danamon terhadap peraturan perundang-undangan yang berlaku di bidang perbankan.
Carry out monitoring of correction steps and ensure Danamon’s compliance with the prevailing laws
and regulations in the banking industries.
Komite-komite di bawah Direksi
Committees under the Board of Directors
Komite Manajemen Risiko Operasional
Operational Risk Management Committee
Struktur dan Keanggotaan Komite/ Committee Structure and Membership
No.
Kedudukan/
Role
Jabatan/
Title
1.
Ketua/
Chairman
Direktur Integrated Risk/
Independent Commissioner
2.
Anggota/
Member
Direktur Operation/
Director of Operation
3.
Anggota/
Member
Direktur Keuangan/
Director of Finance (CFO)
4.
Anggota/
Member
Direktur Treasury dan Capital Market/
Director of Treasury and Capital Market
5.
Anggota/
Member
Direktur Consumer Banking dan SME/
Director of Consumer Banking and SME
6.
Anggota/
Member
Direktur Hukum dan Kepatuhan/
Director of Legal and Compliance
7.
Anggota/
Member
Direktur Perbankan Syariah/
Director of Syariah Banking
8.
Anggota/
Member
Direktur Corporate dan Commercial (Wholesale Banking)/
Director of Corporate and Commercial (Wholesale Banking)
9.
Anggota/
Member
Direktur Micro Banking/
Director of Micro Banking
10.
Anggota/
Member
Direktur Sumber Daya Manusia/
Director of Human Resources
Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee
1.
Menyetujui kerangka kerja, strategi dan metodologi Operational Risk Management (ORM) untuk
risiko operasional.
Approve the framework, strategy, and methodology of Operational Risk Management (ORM) for
operational risks.
2.
Menyetujui perangkat dan teknik operasional ORM secara umum.
Approve the tools and ORM operational techniques in general.
Komite-komite di bawah Direksi
Committees under the Board of Directors
3.
Menyetujui tindakan yang diusulkan untuk memperbaiki kegagalan sistem operasional yang signifikan.
Approve the proposed action in order to restore the significant failures of operational systems.
4.
Memantau perkembangan proyek inti ORM dan issue yang berkaitan dengan kejadian yang
mempunyai risiko operasional yang signifikan.
Monitor the development of ORM core project and issues related to incidents which carry significant
operational risks.
5.
Memberikan masukan atas langkah penanganan suatu kejadian operasional kepada Direksi melalui
Komite Manajemen Risiko.
Provide feedback on the steps of managing an operational incident to the Board of Directors through
Risk Management Committee.
6.
Mengkaji keefektifan pelaksanaan kerangka kerja ORM.
Review the effectiveness of ORM framework implementation.
7.
Menilai dampak yang berkaitan dengan reputasi dari risiko operasional yang teridentifikasi.
Assess the impacts on reputation from identified operational risks.
8.
Mengkaji kerugian operasional yang signifikan dan analisa trend begitu pula faktor penyebab untuk
menentukan potensi tindakan pencegahan.
Review significant operational losses and trend analysis as well as causative factors in order to
determine the potential of preventive action.
9.
Memperbaharui/meng-update peraturan/keputusan dari Bank Indonesia atau peraturan lainnya yang
berhubungan dengan Risk Management dan akibatnya.
Renew/Update the rules/regulations of Bank Indonesia as well as other regulations relevant to Risk
Management and their consequences.
10. Menyetujui keputusan yang bersifat bankwide berkaitan dengan issues/kejadian risiko operasional.
Approve decisions with Bankwide effect relevant to operational risk issues/incidents.
Komite-komite di bawah Direksi
Committees under the Board of Directors
Komite Manajemen Risiko Terintegrasi
Integrated Risk Management Committee
Struktur dan Keanggotaan Komite/ Committee Structure and Membership
No.
Kedudukan/
Role
Jabatan/
Title
1.
Ketua/
Chairman
Direktur Integrated Risk/
Independent Commissioner
2.
Anggota/
Member
Direktur yang mewakili dan ditunjuk dari Adira Finance/
Director appointed and representing Adira Finance
3.
Anggota/
Member
Direktur yang mewakili dan ditunjuk dari Adira Asuransi/
Director appointed and representing Adira Insurance
4.
Anggota/
Member
Direktur yang mewakili dan ditunjuk dari Adira Quantum/
Director appointed and representing Adira Quantum
5.
Anggota/
Member
Pejabat Eksekutif Kepala Divisi Enterprise Risk & Policy
Entitas Utama/
Executive Officer Head of Enterprise Risk & Policy Division
of the Main Entity
6.
Anggota/
Member
Pejabat Eksekutif Kepala Divisi Fraud & Operational Risk
Management Entitas Utama/
Executive Officer Head of Fraud & Operational Risk Division
of the Main Entity
Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee
1. Memberikan rekomendasi kepada Direksi Entitas Utama terkait dengan penyusunan kebijakan
Manajemen Risiko Terintegrasi; dan
Provide recommendations to the Board of Directors of the Main Entity related to the preparation of the
Integrated Risk Management Policy; and
2. Memberikan rekomendasi kepada Direksi Entitas Utama terkait perbaikan atau penyempurnaan
kebijakan Manajemen Risiko Terintegrasi berdasarkan hasil evaluasi pelaksanaan.
Provide recommendations to the Board of Directors of the Main Entity related to improvement of
Integrated Risk Management Policy based on the evaluation of the implementation.