Risk Management

The Company has a policy guide in the field of risk management, namely the General Risk Management Policy (KUMR) which includes the minimum provisions required by Bank Indonesia/Financial Services Authority regulations.

The policy guide in the field of risk management has also been supplemented with derivative internal policies, including Instructions for Implementing Bank Risk Profile Reporting and Assessment, Implementation Reporting and Assessment of Bank Health Levels, Risk Model Validation Procedures, Guidelines for Implementing Risk Data Collection for the BTN-Loss Event Database Application (BTN-LED Tool), Instructions for Implementing the Liquidity Risk Measurement Process, Instructions for Implementing the Calculation and Reporting of the Liquidity Coverage Ratio (Liquidity Coverage Ratio). ), Instructions for Implementing the Market Risk Measurement Process, Interest Rate Risk Management in the Banking Book, Instructions for Implementing Stress Testing, Risk model Validation Procedures, Liquidity Monitoring Guidelines, Risk Management Policy Guidelines (PKMR), Risk & Control Self Assessment, Instructions for implementing action plans (Recovery Plan), Risk Culture, Guidelines and Risk Profile Assessment for Branch Offices and Sharia Branch Offices, Internal Credit Rating (ICR) Process, Instructions for Implementing the Credit Scoring Model (CSM) Process, Commercial Credit Authority Limits and Consumer Credit, Instructions for Implementing the Calculation of Allowance for Impairment Losses (CKPN), Policy for Debtors Affected by Covid-19, Business Continuity Management (BCM), Standard Operating Procedure (SOP) Business Continuity Plan (BCP), Standard Operating Disaster Recovery Plan (DRP), and Standard Operating Business Impact Analysis (BIA).