Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Danamon Group Kata Pengantar
Preface
Seiring dengan perkembangan globalisasi, teknologi informasi, dan inovasi produk serta aktivitas Lembaga Jasa Keuangan telah menciptakan sistem keuangan yang kompleks, dinamis dan saling terkait antar lembaga jasa keuangan baik secara produk maupun kelembagaan dalam satu konglomerasi keuangan.
Along with the growth of globalization, information technology, product innovations as well as the activities of financial institutions have created a financial system that is complex, dynamic with inter-connectedness amongst financial institutions through products and share ownerships.
Menghadapi kondisi ini, Otoritas Jasa Keuangan (OJK) menerbitkan peraturan mengenai penerapan tata kelola yang baik secara terintegrasi dalam suatu konglomerasi keuangan.
In dealing with these developments, Financial Services Authority (FSA) issued regulations regarding the implementation of integrated corporate governance in a financial conglomeration.
Menindaklanjuti hal tersebut, Bank Danamon sebagai Entitas Utama dalam Konglomerasi Keuangan Danamon Grup menerbitkan Kebijakan Tata Kelola Terintegrasi Danamon Grup sebagai pedoman umum dalam penerapan tata kelola perusahaan yang baik diseluruh entitas atau perusahan Danamon Grup (Bank Danamon dan Perusahaan Anak).
As a consequence, Bank Danamon as the Main Entity in the Danamon Group Financial Conglomeration establishes the Integrated Corporate Governance Policy as a general guideline for the implementation of good corporate governance in all entities or companies in the Danamon Group (Bank Danamon and Subsidiaries).
Kebijakan ini terbagi dalam 2 (dua) kebijakan besar yang secara umum mengatur mengenai tata kelola terintegrasi bagi entitas utama dan kerangka tata kelola bagi entitas atau perusahaan Danamon Grup, sebagai berikut: 1. Kebijakan Tata Kelola Terintegrasi; 2. Kerangka Acuan Tata Kelola Perusahaan Danamon Grup.
This Policy is divided into 2 (two) major parts which in general set out the integrated corporate governance for the main entity and the corporate governance framework for entities or companies within Danamon Group, as follows: 1. Integrated Corporate Governance Policy; 2. Corporate Governance Framework for Danamon Group.
Kebijakan ini disusun oleh Direksi Bank Danamon dengan mengacu pada Peraturan Otoritas Jasa Keuangan, Bank Indonesia dan Best Practices pelaksanaan tata kelola yang berlaku. Kebijakan ini juga telah dikaji dan direkomendasikan oleh
This policy was prepared by the BoD of Bank Danamon with reference to the regulations of the Financial Services Authority, Bank Indonesia, and Corporate Governance Best Practices. This policy has been reviewed and
Komite Tata Kelola dan/atau Komite Tata Kelola Terintegrasi Danamon Grup, serta telah disetujui oleh Dewan Komisaris Bank Danamon sebagai Entitas Utama.
recommended by the CG Committee and/or ICG Committee, and has been approved by the Board of Commissioners of Bank Danamon as the Main Entity.
Kami berharap, dengan terbitnya kebijakan ini entitas atau perusahaan dalam Konglomerasi Keuangan Danamon Grup dapat melakukan penyesuaian terhadap kebijakan dan pelaksanaan tata kelola di masing-masing perusahaan serta menjadi komitmen bersama untuk terus menguatkan pelaksanaan tata kelola perusahaan yang baik. Hal ini akan menjadikan Danamon Grup tumbuh secara berkelanjutan, stabil dan memiliki daya saing yang tinggi serta menjadi lembaga keuangan Indonesia yang diakui baik ditingkat nasional dan international.
We expect that with the issuance of this policy, entities within the Danamon Group can align their respective corporate governance activities to the policy and remain committed to continuously improve the implementation of good corporate governance. This will ensure the sustainable growth and stability of Danamon Group, enhance the competitive edge of the group and enable the group to be well recognized Indonesian financial institutions at the national as well as international level.
Jakarta, 2015 PT Bank Danamon Indonesia, Tbk. Direksi / Board of Directors
Ttd
Sng Seow Wah
Fransiska Oei
Direktur Utama / President Director
Direktur / Director
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I
Kebijakan I Policy Part I
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Danamon Group (Danamon and Subsidiaries)
PT Bank Danamon Indonesia, Tbk. 2015
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I
BAGIAN I PENDAHULUAN A. LATAR BELAKANG
CHAPTER I INTRODUCTION A. BACKGROUND
Perkembangan globalisasi dan aktivitas lembaga keuangan telah menciptakan sistem keuangan yang saling terkait baik secara produk maupun kelembagaan melalui keterkaitan kepemilikan dan/atau pengendalian dalam satu konglomerasi keuangan.
The growth of globalization and the activities of financial institutions have created a financial system that is interrelated in both products and institutions through related ownership and/or control in a financial conglomeration.
Keterkaitan dalam satu konglomerasi keuangan dapat meningkatkan kompleksitas transaksi dan interaksi antar lembaga jasa keuangan, sehingga diperlukan penerapan tata kelola secara terintegrasi dalam konglomerasi keuangan.
The inter-connectedness in a financial conglomeration may increase the complexity of the transactions and interaction among financial services institutions and as such, the implementation of integrated corporate governance in the financial conglomeration is deemed required.
PT Bank Danamon Indonesia, Tbk. (Danamon) dan Perusahaan Anak sebagai konglomerasi keuangan Danamon Grup perlu menerapkan tata kelola secara terintegrasi dengan berpedoman pada prinsip-prinsip tata kelola yang baik berupa prinsip-prinsip keterbukaan, akuntabilitas, pertanggungjawaban, independensi atau professional, dan kewajaran.
PT Bank Danamon Indonesia, Tbk. (Danamon) and Subsidiaries as Danamon Group financial conglomeration are required to implement an integrated corporate governance based on the principles of good corporate governance such as transparency, accountability, responsibility, independence or professionalism, and fairness.
Danamon sebagai Entitas Utama perlu menyusun dan menetapkan Kebijakan Tata Kelola Terintegrasi dalam konglomerasi keuangan Danamon Grup. Kebijakan Tata Kelola Terintegrasi (Kebijakan TKT) dibuat sebagai tindak lanjut pelaksanaan POJK No.18/POJK.03/2014 tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan.
Danamon as the main entity needs to prepare and establish Integrated corporate governance Policy in the Danamon Group financial conglomeration. The Integrated Corporate Governance Policy (ICG Policy) is prepared as a follow-up to the implementation of POJK 18/POJK.03/2014 concerning Integrated Corporate Governance for Financial Conglomeration.
Kebijakan ini merupakan pedoman utama tata kelola secara terintegrasi yang harus diikuti oleh seluruh Entitas dalam Danamon Grup.
This policy is the main guideline of integrated corporate governance which must be followed by all entities in the Danamon Group.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I Kebijakan Tata Kelola Terintegrasi harus dipahami dengan baik dan diterapkan oleh seluruh pihak yang terlibat dalam pengelolaan tata kelola pada seluruh entitas dalam Konglomerasi Keuangan. Masingmasing Entitas Danamon Grup wajib menyusun kebijakan dan/atau pedoman tata kelola sesuai kerangka acuan dalam Kebijakan Tata Kelola Terintegrasi, UndangUndang Perseroan Terbatas, UndangUndang Pasar Modal dan peraturan eksternal lainnya yang terkait.
Integrated Corporate Governance Policy should be well understood and implemented by all parties involved in the management of corporate governance in all the entities in the Financial Conglomeration. Each entity in the Danamon Group shall prepare policies and/or guidelines based on the framework in Integrated Corporate Governance Policy, Limited Liability Company Act Law, Capital Market Law and other related external regulations.
Kebijakan Tata Kelola Terintegrasi disusun dalam Bahasa Indonesia dan Bahasa Inggris. apabila terdapat perbedaan penafsiran maka merujuk kepada versi Bahasa Indonesia.
ICG Policy is proposed in both Indonesian and English. If there are differences in interpretation, the Indonesian version shall prevail.
B. PENGERTIAN 1. Lembaga Jasa Keuangan (LJK)/Entitas Keuangan (Entitas) merupakan lembaga yang melaksanakan kegiatan di sektor perbankan, pasar modal, perasuransian, dana pensiun, lembaga pembiayaan, dan lembaga jasa keuangan lainnya sebagaimana dimaksud dalam UU mengenai Otoritas Jasa Keuangan (OJK). 2. Konglomerasi Keuangan adalah LJK/Entitas yang berada dalam satu kelompok karena keterkaitan kepemilikan dan/atau pengendalian. 3. Tata Kelola merupakan suatu tata kelola dalam LJK/Entitas yang menerapkan prinsip-prinsip keterbukaan, akuntabilitas, pertanggungjawaban, independensi atau professional, dan kewajaran. 4. Tata Kelola Terintegrasi adalah suatu tata kelola yang menerapkan prinsipprinsip keterbukaan, akuntabilitas, pertanggungjawaban, independensi atau professional, dan kewajaran secara terintegrasi dalam Konglomerasi Keuangan.
B. DEFINITION 1. Financial Institution (FI) is an institution that carry out activities in the banking sector, capital market, insurance, pension funds, financial institutions, and other financial institutions as referred to in the Act on the Financial Services Authority (FSA). 2. Financial conglomeration is where several Financial Institutions are in a group inter-linked by ownership and/or control considerations. 3. Corporate governance is governance in Financial Institutions whereupon the principles of transparency, accountability, responsibility, independence or professional, and fairness are implemented. 4. Integrated corporate governance is governance whereupon the principles of transparency, accountability, responsibility, independence or professional, and fairness are implemented on an integrated basis in the financial conglomeration.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I 5. Entitas Utama adalah LJK/Entitas Induk dari Konglomerasi Keuangan atau LJK/Entitas yang ditunjuk oleh pemegang saham pengendali Konglomerasi Keuangan. 6. Perusahan Anak (Entitas Anak) merupakan badan hukum atau perusahaan yang dimiliki dan/atau dikendalikan oleh LJK secara langsung maupun tidak langsung baik di dalam maupun di luar negeri yang melakukan kegiatan usaha di sektor jasa keuangan. 7. Perusahaan terelasi (sister company) adalah beberapa LJK/Entitas yang terpisah secara kelembagaan dan/atau secara hukum namun dimiliki dan/atau dikendalikan oleh pemegang saham pengendali yang sama.
C. TUJUAN PENERAPAN TATA KELOLA
TERINTEGRASI Penerapan tata kelola terintegrasi dalam konglomerasi keuangan Danamon Grup ditujukan untuk membangun rangkaian yang terintegrasi meliputi tiga aspek tata kelola yaitu struktur, process dan outcome sehingga menjamin kecukupan struktur dan infrastruktur tata kelola, efektivitas proses pelaksanaannya dan kualitas outcome yang dapat memenuhi harapan pemangku kepentingan. Penerapan tata kelola terintegrasi ditujukan untuk hal-hal sebagai berikut : 1. Mengoptimalkan nilai-nilai entitas Danamon Grup bagi pemangku kepentingan melalui peningkatan transparansi, akuntabilitas, tanggungjawab, integritas dan keadilan, untuk membantu perusahaan mencapai tingkat kompetisi yang lebih baik di tingkat nasional dan internasional, dan melalui penciptaan lingkungan yang kondusif bagi investasi; 2. Meningkatkan manajemen organisasi
5. Main Entity is the parent entity of a financial conglomeration or the Financial Institution appointed by the controlling shareholder of a financial conglomeration. 6. Subsidiary is a company, directly or indirectly owned and/or controlled by the Financial Institution, both in and out of the country, conducting its business in the financial sector.
7. Sister companies are several financial institutions that are separate entities or separate legal bodies, but are owned and/or controlled by the same controlling shareholder.
C. OBJECTIVES OF THE IMPLEMENTATION OF INTEGRATED CORPORATE GOVERNANCE The Implementation of integrated corporate governance in Danamon Group Financial Conglomeration is intended to build an integrated framework which includes three aspects; namely, governance structure, process and outcomes, to ensure the adequacy of governance structures and infrastructures, the effectiveness of the implementation process and the quality of outcomes that can meet the expectations of stakeholders. Implementation of integrated corporate governance is aimed at the following: 1. Optimizing the values of Danamon Group entities for stakeholders through increased transparency, accountability, responsibility, integrity and fairness, to facilitate the achievement of competitive edge at the national and international, and through the creation of a conducive environment for investment; 2. Improving
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the
organizational
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I yang lebih profesional, transparan dan efisien, serta memperkuat semua fungsi dan meningkatkan sifat tidak berpihak Dewan Komisaris, Direksi dan Rapat Umum Pemegang Saham; 3. Mendorong para pemegang saham, anggota Dewan Komisaris dan Direksi, dalam pengambilan keputusan dan tindakan, untuk menerapkan nilai moral yang tinggi dan ketaatan pada semua peraturan perundangan serta kesadaran mengenai tugas sosial perusahaan terhadap para pemangku kepentingan; 4. Mendorong peningkatan kualitas penerapan tata kelola secara terintegrasi sehingga tercipta konglomerasi keuangan yang memiliki tata kelola yang lebih prudent yang mampu mendukung pencapaian stabilitas sistem keuangan dan berperan secara optimal dalam perekonomian nasional.
management to be more professional, transparent and efficient, as well as strengthening all the functions and improving the impartiality of the BoC, BoD and General Meeting of Shareholders; 3. Encouraging the shareholders, the Board of Commissioners and Board of Directors to apply high moral values and compliance with all laws and regulations as well as awareness of corporate social duties towards stakeholders in all decision-making and actions; 4. Encouraging improvement in the quality of integrated corporate governance implementation to create a Financial Conglomeration with prudent governance that is able to support the achievement of a stable financial system and which partakes optimally in the national economy.
Pada akhirnya, penerapan tata kelola terintegrasi secara konsisten dan berkelanjutan diharapkan menjadikan Danamon Grup sebagai konglomerasi keuangan yang sehat secara fundamental, tumbuh secara berkelanjutan dan stabil, memiliki daya saing yang tinggi, mampu melindungi kepentingan stakeholders, menjadi lembaga keuangan yang diakui di tingkat nasional dan komunitas ekonomi ASEAN, serta mampu memberikan kontribusi yang positif terhadap industri keuangan dan perekonomian nasional.
Ultimately, the implementation of consistent and continual integrated corporate governance is expected to enable Danamon Group to be a fundamentally sound Financial Conglomeration with sustainable and stable growth, highly competitive and capable of protecting stakeholders’ interests. It will also enable Danamon Group to not only be recognized at the national and the ASEAN economic community levels, but also capable of contributing positively to the financial industry and the national economy.
D. PRINSIP-PRINSIP TATA KELOLA
TERINTEGRASI
D. PRINCIPLES OF INTEGRATED CORPORATE GOVERNANCE
Implementasi tata kelola terintegrasi di Danamon Grup didasarkan pada prinsipprinsip dasar tata kelola perusahaan yang baik (GCG), sebagai berikut :
Implementation of integrated corporate governance in Danamon Group is based on the basic principles of good corporate governance (GCG), as follows:
1. Prinsip Keterbukaan:
1. Transparency Principles:
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I a. Entitas dalam Danamon Grup berkewajiban mengungkapkan informasi yang memadai, jelas, akurat dan tepat waktu, dapat diperbandingkan dan mudah diakses oleh pemegang saham dan pemangku kepentingan. b. Informasi yang harus diungkapkan meliputi tapi tidak terbatas pada halhal yang bertalian dengan visi, misi, sasaran usaha dan strategi perusahaan, kondisi keuangan, susunan dan kompensasi pengurus, pemegang saham pengendali, pejabat eksekutif, pengelolaan risiko (risk management), sistem pengawasan dan pengendalian intern, status kepatuhan, sistem dan pelaksanaan GCG serta kejadian penting yang dapat mempengaruhi kondisi perusahaan. c. Prinsip keterbukaan yang dianut oleh Danamon Grup tidak mengurangi kewajiban untuk memenuhi ketentuan rahasia bank dan/atau perusahaan sesuai dengan peraturan perundang-undangan yang berlaku, rahasia jabatan, dan hak-hak pribadi.
a. Entities within Danamon Group shall disclose adequate, clear, accurate and timely information, as well as easily comparable and accessible to shareholders and stakeholders.
2. Prinsip Akuntabilitas: a. Entitas dalam Danamon Grup harus menetapkan tanggung jawab yang jelas dari masing-masing organ organisasi yang selaras dengan visi, misi, sasaran usaha dan strategi perusahaan, serta meyakini bahwa semua organ organisasi Danamon Grup mempunyai kompetensi sesuai dengan tanggung jawabnya dan memahami perannya dalam pelaksanaan GCG. b. Entitas dalam Danamon Grup harus memastikan terdapatnya check and balance system dalam pengelolaan perusahaan. Memiliki ukuran kinerja dari semua jajaran Danamon Grup
2. Accountability Principle: a. Entities within Danamon Group must determine clear responsibilities for each organ in the organization in line with the vision, mission, business objectives and corporate strategy, as well as ensure that all the organs in the organization of the Danamon Group have competencies in line with their responsibilities and understand their roles in the implementation of GCG. b. Entities within the Danamon Group must ensure the avaibility of check and balance system in the management of the company. Also the availability of performance measures at all levels in the
b. Information that must be disclosed include but is not limited to matters pertaining to the vision, mission, business objectives and corporate strategy, financial condition, management composition and compensation, the controlling shareholders, executive officers, risk management, supervision and internal control systems, compliance status, systems and implementation of GCG as well as critical events that may affect the company’s condition. c. The transparency principle adopted by Danamon Group does not lessen the obligation to comply with bank secrecy and /or the company in accordance with the prevailing laws and regulations, professional secrecy and personal rights.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I berdasarkan ukuran-ukuran yang disepakati konsisten dengan nilai perusahaan (corporate values), sasaran usaha dan strategi perusahaan.
organization of the Danamon Group is based on the agreed measures consistent with the values of the company (corporate values), business objectives and corporate strategy.
3. Prinsip Tanggung Jawab (Responsibilitas): a. Untuk menjaga kelangsungan usahanya, Danamon Grup harus berpegang pada prinsip kehatihatian dan menjamin dilaksanakannya peraturan perundangan dan kebijakan internal yang telah ditetapkan. b. Entitas dalam Danamon Grup harus bertindak sebagai good corporate citizen (perusahaan yang baik) termasuk peduli terhadap lingkungan dan melaksanakan tanggung jawab sosial.
3. Responsibility Principle:
4. Prinsip Independensi: a. Danamon Grup harus menghindari terjadinya dominasi yang tidak wajar oleh stakeholder manapun dan tidak terpengaruh oleh kepentingan sepihak serta bebas dari benturan kepentingan (conflict of interest). b. Dalam mengambil keputusan harus obyektif dan bebas dari segala tekanan dari pihak manapun, serta berkomitmen menjalankan usahanya dengan mengedepankan profesionalisme.
4. Independence Principle: a. The Danamon Group must avoid uncommon domination by any stakeholders, be not affected by the unilateral interests and free from conflicts of interests.
5. Prinsip Kewajaran (Fairness): a. Entitas dalam Danamon Grup harus senantiasa memperhatikan kepentingan seluruh stakeholders berdasarkan azas kesetaraan dan kewajaran (equal treatment). b. Danamon grup harus memberikan kesempatan kepada seluruh stakeholders untuk memberikan masukan dan menyampaikan pendapat bagi kepentingan perusahaan serta mempunyai akses
5. Fairness principle : a. Entities within the Danamon Group must always consider the interests of all stakeholders based on the principles of equality and fairness (equal treatment). b. The Danamon Group must provide an opportunity to all stakeholders to provide inputs and opinions in the interests of the company as well as provide access to information in accordance with the principle of
a. To maintain the continuity of its business, the Danamon Group must adhere to the prudential principles and ensure compliance with laws and regulations as well as internal policies. b. Entities within the Danamon Group shall act as good corporate citizens (good company), care for the environment and implement social responsibility.
b. Decisions must be taken objectively and free from any parties’ pressures, and committed to conduct businesses with professionalism.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I terhadap informasi sesuai dengan prinsip keterbukaan. E. VISI DAN MISI
transparency.
E.
VISION AND MISION
Setiap entitas dalam Konglomerasi Keuangan Danamon Grup wajib menetapkan visi dan misi yang jelas yang mencerminkan sesuatu yang ingin dicapai, memiliki orientasi masa depan, serta memberikan arah dan fokus strategi perusahaan.
Each entity in the Financial Conglomeration Danamon Group shall establish a clear vision and mission that reflects targets, have a future orientation, and provide direction and focus of the company's strategies.
Setiap entitas dalam konglomerasi keuangan Danamon Grup wajib mengevaluasi visi dan misi secara berkala.
Each entity in the Financial Conglomeration of Danamon Group shall evaluate the vision and mission periodically.
F. NILAI-NILAI
BUDAYA DAN ETIKA BISNIS
PERUSAHAAN
F. CORPORATE CULTURE, VALUES AND
BUSINESS ETHICS
Nilai-nilai perusahaan merupakan landasan moral dalam mencapai visi dan misi perusahaan. Etika bisnis merupakan acuan bagi perusahaan dalam melaksanakan kegiatan usaha termasuk dalam berinteraksi dengan pemangku kepentingan.
The company’s values are moral foundation in achieving the vision and mission of the company. Business ethics is a guideline for the company in conducting its business activities including in interacting with stakeholders.
Penerapan nilai-nilai perusahaan dan etika bisnis secara konsisten dan berkesinambungan akan membentuk budaya perusahaan yang merupakan manifestasi dari nilai-nilai perusahaan. Oleh karena itu, setiap entitas Danamon Grup wajib memiliki nilai-nilai perusahaan dan rumusan etika bisnis, yang menggambarkan sikap moral perusahaan serta acuan dalam pelaksanaan kegiatan usahanya.
Consistent and continual application of the company's values and business ethics will establish the corporate culture which is a manifestation of the company's values. Therefore, each entity in Danamon Group shall have the corporate values and business ethics, which describes the moral attitude of the company and act as a reference in the implementation of its business activities.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I
BAGIAN II PEDOMAN PENERAPAN TATA KELOLA TERINTEGRASI
A. STRUKTUR KONGLOMERASI KEUANGAN
CHAPTER II GUIDELINES OF INTEGRATED CORPORATE GOVERNANCE IMPLEMENTATION A. STRUCTURE OF FINANCIAL CONGLOMERATION
Dalam konglomerasi keuangan wajib memiliki Entitas Utama. Penetapan entitas utama dilakukan dengan mempertimbangkan struktur konglomerasi keuangan sebagai berikut : 1. Dalam hal struktur Konglomerasi Keuangan terdiri dari LJK/Entitas induk dan LJK/Entitas anak, maka Entitas Utama adalah LJK/Entitas induk dan LJK/Entitas anak menjadi LJK/Entitas anggota. 2. Dalam hal struktur Konglomerasi Keuangan tidak terdiri dari LJK/Entitas induk dan LJK/Entitas anak, pemegang saham pengendali Konglomerasi Keuangan wajib menunjuk Entitas Utama. Pihak yang ditunjuk sebagai Entitas Utama merupakan LJK/Entitas yang memiliki total aset terbesar dan/atau memiliki kualitas penerapan manajemen risiko yang baik.
A Financial Conglomeration is required to have a Main Entity. Determination of the Main Entity is done by considering the structure of the Financial Conglomeration as follows: 1. In the case where the Financial Conglomeration structure consists of parent and subsidiaries companies, the Main Entity is the parent company and the subsidiaries become the financial conglomeration members. 2. In the case where the structure of Financial Conglomeration is not of a parent company and its subsidiaries, the controlling shareholders shall appoint the Main Entity. The Entity designated as the Main Entity is the financial institution with the largest assets and/or a good risk management implementation.
Struktur Danamon Grup Konglomerasi keuangan Danamon Grup terdiri dari Entitas Utama yaitu PT Bank Danamon Indonesia, Tbk. dengan Entitas Anggota konglomerasi keuangan (Entitas Anak), yaitu : - PT Adira Dinamika Multi Finance, Tbk., - PT Adira Quantum Multifinance, dan - PT Asuransi Adira Dinamika.
The structure of the Danamon Group Danamon Group consists of the Main Entity, namely PT Bank Danamon Indonesia, Tbk. with members of the Financial Conglomeration (Subsidiaries), namely: -
PT Adira Dinamika Multi Finance Tbk., PT Adira Quantum Multifinance, and PT Asuransi Adira Dinamika.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I
Struktur Danamon Grup
Entitas Utama (Bank) PT Bank Danamon Indonesia Tbk
LJK Anggota Konglomerasi Keuangan
LJK Anggota Konglomerasi Keuangan
LJK Anggota Konglomerasi Keuangan
(Perusahaan Pembiayaan)
(Perusahaan Pembiayaan)
(Perusahaan Asuransi)
PT. Adira Dinamika Multi Finance Tbk
PT. Adira Quantum Multi FInance
PT. Asuransi Adira DInamika
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I B. TUGAS DAN TANGGUNG JAWAB DALAM PENERAPAN TATA KELOLA TERINTEGRASI 1. Tugas dan Tanggung Jawab Entitas Utama Danamon sebagai Entitas Utama mengintegrasikan penerapan tata kelola terintegrasi dalam konglomerasi keuangan Danamon Grup. Penerapan tata kelola terintegrasi paling kurang mencakup: a. Persyaratan Direksi Entitas Utama dan Dewan Komisaris Entitas Utama; b. Tugas dan tanggung jawab Direksi Entitas Utama dan Dewan Komisaris Entitas Utama; c. Tugas dan tanggung jawab Komite Tata Kelola Terintegrasi; d. Tugas dan tanggung jawab satuan kerja kepatuhan terintegrasi; e. Tugas dan tanggung jawab satuan kerja audit intern terintegrasi; f. Penerapan manajemen risiko terintegrasi; dan g. Penyusunan dan pelaksanaan Kebijakan Tata Kelola Terintegrasi.
2. Tugas dan Tanggung Jawab Anggota Konglomerasi (Entitas Anak) Perusahaan Anak/Entitas Anak sebagai bagian dari anggota konglomerasi keuangan Danamon Grup, wajib menerapkan tata kelola terintegrasi sesuai prinsip-prinsip, struktur dan proses tata kelola terintegrasi yang ditetapkan oleh Danamon. Penerapan tata kelola terintegrasi tersebut tetap mempertimbangkan bahwa masingmasing entitas anak sebagai entitas yang berbadan hukum tersendiri.
B.
DUTIES AND RESPONSIBILITIES OF INTEGRATED CORPORATE GOVERNANCE IMPLEMENTATION 1. Duties and Responsibilities of the Main entity Danamon as the Main Entity integrates the implementation of corporate governance within the Danamon Group. The Implementation of an integrated corporate governance at a minimum includes: a. Criteria for the BoD and BoC of the Main entity; b. The duties and responsibilities of the BoD and BoC of the Main entity; c. The duties and responsibilities of the Integrated Corporate Governance Committee; d. Duties and responsibilities of the integrated compliance work unit; e. The duties and responsibilities of the integrated internal audit unit ; f. The implementation of an integrated risk management; and g. Preparation and implementation of integrated corporate governance Policy. 2. Duties and Responsibilities of Conglomeration Members (Subsidiary) Subsidiary entities as members of the Danamon Group Financial Conglomeration shall implement integrated corporate governance according to the principles, structures and integrated corporate governance processes set by the Bank. The Implementation of such integrated corporate governance must take into consideration that each subsidiary is a separate legal entity.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I C. ORGAN TATA KELOLA TERINTEGRASI
Dewan Pengawas Syariah / Sharia Supervisory Board
C. ORGAN OF INTEGRATED CORPORATE GOVERNANCE
Entitas Utama / Main Entity Danamon
Entitas Anak / Subsidiary Entity LJK Danamon Grup
Rapat Umum Pemegang Saham / General Meeting of Shareholders
Rapat Umum Pemegang Saham / General Meeting of Shareholders
Dewan Komisaris Entitas Anak / BoC Subsidiary Entity
Dewan Komisaris / BoC Danamon Komite Tata Kelola Terintegrasi / Integrated Corporate Governance Committee
Komite-Komite Dewan Komisaris/BoC’s Committees
Komite-Komite Dewan Komisaris/BoC’s Committees Komite Audit/ Audit Committee
Komite Audit/ Audit Committee Direksi/ BoD Danamon
Direksi Entitas Anak / BoD Subsidiary Entity
Komite Manajemen Risiko Terintegrasi/Intergrated Risk Management Committeee
Komite-Komite Direksi/ BoD’s Committees
Komite-Komite Direksi/ BoD’s Committees
SKMRT/ IRMU
Fungsi Pengelolaan Risiko/Risk Management Function
SKKT/ ICU
Fungsi Kepatuhan /Compliance Function
SKAIT/ IIAU
Fungsi Internal Audit/Internal Audit Function
Fungsi-Fungsi Terkait/ Other Function
Fungsi-Fungsi Terkait/ Other Function
Coordination and monitoring function Catatan : SKMRT/IRMU : Satuan Kerja Manajemen Risiko Terintegrasi /Integrated Risk Management Unit SKKT/ICU : Satuan Kerja Kepatuhan Terintegrasi / Integrated Compliance Unit SKAIT/IIAU : Satuan Kerja Audit Intern Terintegrasi /Integrated internal Audit Unit
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Page | 14 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I 1. Dewan Komisaris Entitas Utama
1. Board of Commissioners Main Entity
a. Persyaratan 1) Sebagai Entitas Utama, calon Dewan Komisaris Danamon harus memiliki pengetahuan mengenai Entitas Utama dan pengetahuan mengenai Anggota (Entitas) dalam Konglomerasi Keuangan. 2) Calon anggota Dewan Komisaris tetap wajib memenuhi persyaratan sebagaimana dimaksud dalam ketentuan uji kemampuan dan kepatutan bagi masing-masing sektor jasa keuangan. 3) Persyaratan pengetahuan bagi calon calon anggota Dewan Komisaris Entitas Utama mengenai Entitas dalam Konglomerasi Keuangan diperlukan karena adanya peningkatan tugas dan tanggung jawab dalam pengelolaan Konglomerasi Keuangan. Yang dimaksud dengan “pengetahuan” antara lain pemahaman kegiatan bisnis utama dan risiko utama dari Entitas dalam Konglomerasi Keuangan.
a. Requirements 1) As a Main Entity, candidates for the Board of Commissioners Danamon must have the knowledge of the Main Entity as well as the financial institutions members in the Financial Conglomeration. 2) Candidates for the Board of Commissioners are still obliged to comply with the requirements as stipulated in the fit and proper test for each of the financial services sector. 3) The knowledge requirements are necessary for prospective candidates for the Board of Commissioners of the Main entity in the Financial Conglomeration due to the increased duties and responsibilities in managing the Financial Conglomeration What is meant by "knowledge" among others includes understanding of the core business activities and the main risks of the financial institutions within the Financial Conglomeration.
b. Tugas dan Tanggung Jawab Dewan Komisaris Entitas Utama 1) Dewan Komisaris Danamon sebagai Entitas Utama wajib melakukan pengawasan atas penerapan Tata Kelola Terintegrasi. Tugas dan tanggung jawab Dewan Komisaris dalam rangka melakukan pengawasan atas penerapan Tata Kelola Terintegrasi paling sedikit:
b. Duties and Responsibilities of the Board of Commissioners of the Main Entity 1) Danamon’s Board of Commissioners shall exercise supervision over the implementation of integrated corporate governance. Duties and responsibilities of the Board of Commissioners in supervising the implementation of Integrated corporate governance shall at a minimum include: a) overseeing the implementation of Governance at each financial institution to ensure that it’s in accordance with the Integrated corporate governance Policy; b) overseeing the duties and responsibilities of the Board of
a) mengawasi penerapan Tata Kelola pada masing-masing Entitas agar sesuai dengan Kebijakan Tata Kelola Terintegrasi; b) mengawasi pelaksanaan tugas dan tanggung jawab Direksi
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Page | 15 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I Entitas Utama, serta memberikan arahan atau nasihat kepada Direksi Entitas Utama atas pelaksanaan Kebijakan Tata Kelola Terintegrasi; dan c) mengevaluasi Kebijakan Tata Kelola Terintegrasi dan mengarahkan dalam rangka penyempurnaan. 2) Dalam rangka mendukung efektivitas pelaksanaan tugasnya, Dewan Komisaris Danamon wajib membentuk Komite Tata Kelola Terintegrasi. 3) Dewan Komisaris Danamon sebagai Entitas Utama wajib menyelenggarakan rapat secara berkala paling sedikit 1 (satu) kali setiap semester dengan ketentuan : a) Rapat Dewan Komisaris Entitas Utama dapat dilaksanakan melalui video conference; b) Hasil rapat Dewan Komisaris Entitas Utama dituangkan dalam risalah rapat dan didokumentasikan secara baik. 4) Perbedaan pendapat (dissenting opinions) yang terjadi dalam rapat Dewan Komisaris Entitas Utama dicantumkan secara jelas dalam risalah rapat beserta alasan perbedaan pendapat.
Directors of the Main Entity as well as providing guidance or advices to the Board of Directors of the Main Entity on the implementation of Integrated corporate governance Policy; and c) Evaluating the Integrated Corporate Governance Policy and providing recommendations for improvements. 2). In order to support the effective performance of its duties, the Board of Commissioners of the Bank shall establish an Integrated Corporate Governance Committee 3). Danamon’s Board of Commissioners (BoC) shall hold regular meetings at least 1 (once) each semester with the following provisions: a) The Main Entity’s BoC meetings may be held via video conference; and, b) The Main Entity’s BoC meetings are recorded in the minutes of meetings and are well documented. 4) Dissenting opinions that occur in the meetings of the Board of Commissioners of the Main Entity are noted clearly in the minutes of the meeting along with the reasons for dissent.
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Page | 16 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I 2. Komite Tata Kelola Terintegrasi (KTKT)
2.
Integrated Corporate Governance Committee (ICGC)
Komite Tata Kelola Terintegrasi merupakan komite yang dibentuk oleh Dewan Komisaris Danamon untuk mendukung efektivitas pelaksanaan tugas Dewan Komisaris terkait penerapan tata kelola secara terintegrasi dalam konglomerasi keuangan Danamon Grup. Komite ini wajib dibentuk Danamon dengan mempertimbangkan beberapa syarat dan ketentuan sebagai berikut :
The Integrated corporate governance Committee is a committee established by Danamon’s Board of Commissioners to support the effective implementation of the tasks related to integrated corporate governance in the Financial Conglomeration the Danamon Group. This committee shall be established by Danamon and taking into account the following terms and conditions:
a. Struktur Keanggotaan dan Komposisi Komite Tata Kelola Terintegrasi
a. Membership Structure and Composition Integrated Corporate Governance Committee 1) The Integrated Corporate Governance Committee at a minimum shall comprise of: a) an independent commissioner, who is a committee chairman in one of Danamon’s committees, as the chairman and member; b) Independent Commissioner who represents and is appointed by the financial institution in the financial conglomeration as a member; c) an independent party, as a member; and d) The Sharia Supervisory Board member of the financial institution in the conglomeration, as a member. 2) The number and composition of the independent commissioners as members of the Integrated Corporate Governance Committee are adjusted to suit the needs of Financial Conglomeration as well as the efficiency and effectiveness of the implementation of the Integrated Corporate Governance Committee's tasks taking into account at a minimum the representation of each of the
1) Komite Tata Kelola Terintegrasi paling sedikit terdiri dari: a) seorang Komisaris Independen yang menjadi Ketua pada salah satu komite Danamon, sebagai ketua merangkap anggota; b) Komisaris Independen yang mewakili dan ditunjuk dari Entitas dalam Konglomerasi Keuangan, sebagai anggota; c) seorang Pihak Independen, sebagai anggota; dan d) anggota Dewan Pengawas Syariah dari Entitas dalam Konglomerasi Keuangan, sebagai anggota. 2) Jumlah dan komposisi Komisaris Independen yang menjadi anggota Komite Tata Kelola Terintegrasi disesuaikan dengan kebutuhan Konglomerasi Keuangan serta efisiensi dan efektivitas pelaksanaan tugas Komite Tata Kelola Terintegrasi dengan memperhatikan paling sedikit keterwakilan masing-masing sektor jasa keuangan.
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Page | 17 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I 3) Keanggotaan Komisaris Independen pada Komite Tata Kelola Terintegrasi dapat berupa keanggotaan tetap atau tidak tetap, sesuai dengan kebutuhan Konglomerasi Keuangan. 4) Pihak independen dapat berasal dari pihak independen anggota Komite Danamon. 5) Keanggotaan Dewan Pengawas Syariah dalam Komite Tata Kelola Terintegrasi hanya apabila terdapat Entitas yang melaksanakan kegiatan usaha berdasarkan prinsip-prinsip Syariah. 6) Keanggotaan Komisaris Independen, Pihak Independen, dan anggota Dewan Pengawas Syariah pada Komite Tata Kelola Terintegrasi dalam Konglomerasi Keuangan tidak diperhitungkan sebagai rangkap jabatan. b. Tugas dan Tanggung jawab Komite Tata Kelola Terintegrasi Komite Tata Kelola Terintegrasi mempunyai tugas dan tanggung jawab paling sedikit: 1) Mengevaluasi pelaksanaan Tata Kelola Terintegrasi paling sedikit melalui penilaian kecukupan pengendalian intern dan pelaksanaan fungsi kepatuhan secara terintegrasi; dan 2) Memberikan rekomendasi kepada Dewan Komisaris Danamon sebagai Entitas Utama untuk penyempurnaan Kebijakan Tata Kelola Terintegrasi. 3) Dalam melakukan evaluasi, Komite Tata Kelola Terintegrasi memperoleh informasi berupa hasil evaluasi atas pelaksanaan audit intern dan fungsi kepatuhan masing-masing Entitas dari anggota
financial services sector. 3) Membership of the Independent Commissioner in the Integrated Corporate Governance Committee can be that of a permanent or nonpermanent member, in accordance with the requirements of the Financial Conglomeration. 4) Independent Parties may come from independent party members of Danamon’s Committees. 5) Membership of the Sharia Supervisory Board in the Integrated Corporate Governance Committee is required only if the financial institution conducts businesses based on Sharia principles. 6) Membership of the Independent Commissioner, independent party, the Sharia Supervisory Board member in the Integrated Corporate Governance Committee in the Financial Conglomeration is not regarded as concurrent position. b. Duties and Responsibilities of the Integrated Corporate Governance Committee The Integrated Corporate Governance Committee has at a minimum the following duties and responsibilities: 1) To evaluate the implementation of Integrated corporate governance which at a minimum include assessing the adequacy of internal controls and the implementation of integrated compliance function; and 2) Provide recommendations to Danamon’s Board of Commissioners for improvement to the Integrated Corporate Governance Policy. 3) In conducting its evaluation, the Integrated Corporate Governance Committee obtains information on the evaluation of the internal audit and compliance functions of each of the financial institutions from the
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Page | 18 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I Dewan Komisaris masing-masing Entitas yang menjadi anggota pada Komite Tata Kelola Terintegrasi. c. Pelaksanaan Rapat Komite Tata Kelola Terintegrasi 1) Komite Tata Kelola Terintegrasi harus melaksanakan rapat paling sedikit 1 (satu) kali setiap semester. 2) Rapat Komite Tata Kelola Terintegrasi dapat dilaksanakan melalui video conference. 3) Hasil rapat Komite Tata Kelola Terintegrasi dituangkan dalam risalah rapat dan didokumentasikan secara baik. 4) Perbedaan pendapat (dissenting opinions) yang terjadi dalam rapat Komite Tata Kelola Terintegrasi dicantumkan secara jelas dalam risalah rapat beserta alasan perbedaan pendapat.
Board of Commissioners member that are members of the Integrated Corporate Governance Committee. c.
Meetings of the Integrated Corporate Governance Committee 1) The Integrated Corporate Governance Committee must hold a meeting at least 1 (once) each semester. 2) The Integrated Corporate Governance Committee meetings can be conducted via video conference. 3) The results of the Integrated Corporate Governance Committee meetings are recorded in the minutes of meetings and well documented. 4) Dissenting opinions that occurred in the Integrated Corporate Governance Committee meetings must be clearly stated in the minutes of the meeting and the reasons for such dissent recorded.
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Page | 19 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I 3. Direksi Entitas Utama
3. Main Entity’s Board Of Directors
a. Persyaratan 1) Sebagai Entitas Utama, calon anggota Direksi Danamon harus memiliki pengetahuan mengenai Entitas Utama dan pengetahuan mengenai Entitas dalam Konglomerasi Keuangan. 2) Calon anggota Direksi Danamon tetap wajib memenuhi persyaratan sebagaimana dimaksud dalam ketentuan uji kemampuan dan kepatutan bagi masing-masing sektor jasa keuangan. 3) Persyaratan pengetahuan bagi calon anggota Direksi Danamon sebagai Entitas Utama mengenai Entitas dalam Konglomerasi Keuangan diperlukan karena adanya peningkatan tugas dan tanggung jawab dalam pengelolaan Konglomerasi Keuangan. Yang dimaksud dengan “pengetahuan” antara lain pemahaman kegiatan bisnis utama dan risiko utama dari Entitas dalam Konglomerasi Keuangan.
a. Requirement 1) As the Main Entity, candidates for Danamon‘s Board of Directors must possess the knowledge of the Main Entity and that of each of the entities in the Financial Conglomeration. 2) Candidates for the Board of Directors are obliged to fulfill the criteria as stipulated in the fit and proper test for each of the financial services sector.
b. Tugas dan Tanggung Jawab Direksi Entitas Utama 1) Direksi Danamon sebagai Entitas Utama wajib memastikan penerapan Tata Kelola Terintegrasi dalam Konglomerasi Keuangan. Tugas dan tanggung jawab Direksi Entitas Utama dalam memastikan penerapan Tata Kelola Terintegrasi, paling sedikit:
b. Duties and Responsibilities of the Board of Directors of the Main Entity 1) Danamon‘s Board of Directors must ensure the implementation of Integrated Corporate Governance in the Financial Conglomeration. Duties and responsibilities of the Main Entity’s Board of Directors in ensuring the implementation of Integrated Corporate Governance must at a minimum : a) prepare the Integrated Corporate Governance Policy; b) direct, monitor and evaluate implementation of Integrated Corporate Governance Policy; and c) follow up on the recomendations or advices from
a) menyusun Kebijakan Tata Kelola Terintegrasi; b) mengarahkan, memantau dan mengevaluasi pelaksanaan Kebijakan Tata Kelola Terintegrasi; dan c) menindaklanjuti arahan atau nasihat Dewan Komisaris
3) The knowledge requirements are necessary for prospective candidates for the Board of Directors of the Main entity in the Financial Conglomeration due to the increased duties and responsbilities in managing the Financial Conglomeration. What is meant by “knowledge” is among others understanding the core business activities and the main risks of financial institutions in the Financial Conglomeration.
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Page | 20 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I Entitas Utama dalam rangka penyempurnaan Kebijakan Tata Kelola Terintegrasi. 2) Direksi Danamon sebagai Entitas Utama wajib memastikan bahwa temuan audit dan rekomendasi dari Satuan Kerja Audit Intern Terintegrasi, Auditor Eksternal, hasil pengawasan Otoritas Jasa Keuangan dan/atau hasil pengawasan otoritas lain telah ditindaklanjuti oleh Entitas dalam Konglomerasi Keuangan. 3) Direktur Utama Danamon sebagai Entitas Utama bertanggungjawab untuk melakukan fungsi pengawasan terhadap Entitas dalam Konglomerasi Keuangan.
Board of Commissioners of the Main Entity to enhance the Integrated Corporate Governance Policy. 2) Danamon’s Board of Directors must ensure that the audit findings and recommendations of Integrated Internal Audit, External Auditor, and supervisory results of the Financial Services Authority and/or other authority bodies have been followed up by the entities in the financial conglomeration. 3) President Director of Danamon as the Main Entity responsible for carrying out the supervision function of the entities in the financial conglomeration.
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Page | 21 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I 4. Satuan Kerja Kepatuhan Terintegrasi
4. Integrated Compliance Unit (ICU)
(SKKT) a. Pembentukan SKKT 1) Danamon sebagai Entitas Utama wajib memiliki Satuan Kerja Kepatuhan Terintegrasi yang independen. Yang dimaksud dengan “independen” antara lain adanya pemisahan satuan kerja yang melaksanakan fungsi kepatuhan terintegrasi dengan satuan kerja operasional (risk-taking unit) pada Danamon sebagai Entitas Utama. 2) Pelaksanaan tugas kepatuhan terintegrasi dapat dilakukan oleh Satuan Kerja Kepatuhan Danamon yang telah ada.
a. Formation ICU 1). Danamon as the Main Entity shall possess an independent, Integrated Compliance Unit. What is meant by "independent" is among others, the separation of work units carrying out the integrated compliance function from the operating units (risk-taking units) at Danamon as the Main Entity.
b. Tugas dan Tanggung Jawab SKKT Satuan Kerja Kepatuhan Terintegrasi mempunyai tugas paling sedikit: 1). Memantau dan mengevaluasi pelaksanaan fungsi kepatuhan pada masing-masing Entitas dalam Konglomerasi Keuangan. 2). Menyusun dan menyampaikan laporan pelaksanaan tugas dan tanggung jawab kepada Direktur Kepatuhan Entitas Utama atau Direktur yang ditunjuk untuk melakukan fungsi pengawasan terhadap Entitas dalam Konglomerasi Keuangan.
b. Duties and Responsibilities ICU Integrated Compliance Unit has the following minimum duties: 1). Monitor and evaluate the implementation of the compliance function at each financial institution in the Financial Conglomeration. 2). Prepare and submit reports on the implementation of duties and responsibilities to the Main Entity’s Compliance Director or the Director appointed to conduct oversight of the financial institution in the financial conglomeration.
Direktur Kepatuhan Danamon sebagai Entitas Utama, menyusun dan menyampaikan laporan pelaksanaan tugas dan tanggung jawab kepatuhan terintegrasi kepada Direksi Danamon sebagai Entitas Utama dan Dewan Komisaris Danamon sebagai Entitas Utama.
The Compliance Director of Danamon prepares and submits reports on the implementation of duties and responsibilities of the Integrated Compliance Unit to the Board of Directors and Board of Commissioners’ of Danamon as the Main Entity.
2). Implementation of an integrated compliance function can be carried out by an existing compliance working unit which Danamon has.
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Page | 22 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I 5. Satuan Kerja Audit Intern Terintegrasi
5. Integrated Internal Audit Unit (IIAU)
(SKAIT) a. Pembentukan SKAIT 1) Danamon sebagai Entitas Utama wajib memiliki Satuan Kerja Audit Intern Terintegrasi yang independen dari satuan kerja operasional (risktaking unit) pada Danamon sebagai Entitas Utama. 2) Pelaksanaan tugas audit intern terintegrasi dapat dilakukan oleh Satuan Kerja Audit Intern Danamon yang telah ada.
a. Formation IIAU 1) Danamon as the Main Entity must possess an Integrated Internal Audit Unit which is independent from the operating units (risk-taking units) at the Danamon as the Main Entity.
b. Tugas dan Tanggung Jawab SKAIT Satuan Kerja Audit Intern Terintegrasi (SKAIT) mempunyai tugas paling sedikit:
b. Duties and Responsibilities IIAU The Integrated Internal Audit Unit (IIAU) has at a minimum the following duties and responsibilities: 1) Monitor the implementation of internal audit at each entity in the Financial Conglomeration. 2) Submit the integrated internal audit report to the Director appointed to oversee the entities in the the Financial Conglomeration and the Board of Commissioners of Danamon as the Main Entity as well as the Director in charge of the compliance function in Danamon as the Main Entity.
1) Memantau pelaksanaan audit intern pada masing-masing Entitas dalam Konglomerasi Keuangan. 2) Menyampaikan laporan audit intern terintegrasi kepada Direktur yang ditunjuk untuk melakukan fungsi pengawasan terhadap Entitas dalam Konglomerasi Keuangan dan Dewan Komisaris Danamon sebagai Entitas Utama serta Direktur yang membawahkan fungsi kepatuhan Danamon sebagai Entitas Utama.
2) The duties of the Integrated Internal Audit may be carried out by an existing Internal Audit Unit in Danamon as a Main Entity .
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Page | 23 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I 6. Manajemen Risiko Terintegrasi
6.
Integrated Risk Management
Danamon sebagai Entitas Utama wajib menerapkan manajemen risiko terintegrasi secara komprehensif dan efektif dengan berpedoman pada ketentuan mengenai penerapan manajemen risiko terintegrasi bagi konglomerasi keuangan.
Danamon as the Main Entity must implement a comprehensive and effective integrated risk management based on the regulation on the implementation of integrated risk management in the Financial Conglomeration.
a. Ruang Lingkup Penerapan Manajemen Risiko Terintegrasi Penerapan Manajemen Risiko Terintegrasi mencakup paling sedikit : 1). Pengawasan Direksi dan Dewan Komisaris Danamon sebagai Entitas Utama
a. Scope of Application of Integrated Risk Management Implementation of Integrated Risk Management must at a minimum include: 1). Supervision of Board of Directors and Board of Commissioners at Danamon as the Main Entity a) Ensures that the implementation of Integrated Risk Management is in accordance with the characteristics and complexity of the financial conglomeration. b) Ensures that the implementation of risk management in each entity in the Financial Conglomeration. c) Danamon Syariah Supervisory Board must ensure that the implementation of Integrated Risk Management does not conflict with the syariah principles. 2). Adequate policies, procedures, and integrated risk management limits set up: a) Danamon as the Main Entity must provide policies, procedures and integrated risk management limits set. b) Policies, procedures and the integrated risk management limits set up must take into account risk appetite and risk tolerance.
a) Memastikan penerapan Manajemen Risiko Terintegrasi sesuai dengan karakteristik dan kompleksitas usaha Konglomerasi Keuangan. b) Memastikan penerapan Manajemen Risiko pada masingmasing Entitas dalam Konglomerasi Keuangan. c) Dewan Pengawas Syariah Danamon sebagai Entitas Utama wajib memastikan penerapan Manajemen Risiko Terintegrasi tidak bertentangan dengan prinsip-prinsip syariah. 2). Kecukupan kebijakan, prosedur, dan penetapan limit Manajemen Risiko Terintegrasi a) Danamon sebagai Entitas Utama wajib menyusun kebijakan, prosedur dan penetapan limit manajemen risiko terintegrasi. b) Penyusunan kebijakan, prosedur dan penetapan limit manajemen risiko terintegrasi wajib memperhatikan tingkat risiko yang akan diambil (risk appetite) dan toleransi Risiko (risk tolerance).
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Page | 24 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I 3). Kecukupan proses identifikasi, pengukuran, pemantauan, pengendalian risiko secara terintegrasi, dan sistem informasi Manajemen Risiko Terintegrasi a) Danamon sebagai Entitas Utama wajib melakukan proses identifikasi, pengukuran, pemantauan, dan pengendalian Risiko terhadap seluruh faktor Risiko (risk factors) yang bersifat signifikan secara terintegrasi. b) Pelaksanaan proses identifikasi, pengukuran, pemantauan, dan pengendalian Risiko didukung oleh: - sistem informasi Manajemen Risiko Terintegrasi yang memadai - pelaporan mengenai kinerja, kondisi keuangan, dan eksposur risiko atas Konglomerasi Keuangan dan masing-masing Entitas dalam Konglomerasi Keuangan. 4). Sistem pengendalian intern yang menyeluruh terhadap penerapan Manajemen Risiko Terintegrasi. a) Danamon sebagai Entitas Utama wajib memiliki sistem pengendalian intern yang menyeluruh terhadap penerapan Manajemen Risiko Terintegrasi. b) Sistem pengendalian intern tersedia untuk memastikan: - dipatuhinya kebijakan atau ketentuan intern serta peraturan dan perundangundangan yang berlaku; - tersedianya informasi keuangan dan manajemen yang lengkap, akurat, tepat guna, dan tepat waktu; dan
3). The adequacy of identification, measurement, monitoring risk control processes on an integrated basis and integrated risk management information systems a) Danamon as the Main Entity must conduct the processes of identification, measurement, monitoring, and risk control of all significant risk factors on an integrated basis. b) The process of identification, measurement, monitoring, and risk control are supported by: -
Adequate Integrated Risk Management information system; - Reports on the performances, financial conditions, and risk exposures of the Financial Conglomeration and each entity in the Financial Conglomeration. 4). A comprehensive Internal control system for Integrated Risk Management implementation. a) Danamon as a Main Entity must have a comprehensive internal control system for Integrated Risk Management implementation. b) The internal control system is available to ensure: - Compliance to policies or internal policies as well as prevailing laws and regulations; - Availability of complete, accurate, appropriate, and timely financial and management information; and
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I -
efektivitas budaya Risiko (risk culture) pada organisasi Konglomerasi Keuangan secara menyeluruh.
-
Effectiveness of risk culture in the overall organization in the Financial Conglomeration.
b. Risiko-risiko yang wajib Dikelola dalam Manajemen Risiko Terintegrasi 1). Risiko Kredit Risiko akibat kegagalan debitur dan/atau pihak lain dalam memenuhi kewajiban kepada Konglomerasi Keuangan. Untuk Entitas yang melakukan kegiatan usaha berdasarkan prinsip syariah, Risiko kredit mencakup pula Risiko investasi. Risiko investasi (Equity Investment Risk) adalah Risiko akibat Entitas ikut menanggung kerugian usaha nasabah yang dibiayai dalam pembiayaan berbasis bagi hasil baik yang menggunakan metode net revenue sharing maupun yang menggunakan metode profit and loss sharing.
b. Risks that must be managed in the Integrated Risk Management 1). Credit Risk Credit Risk is the risk due to failure of the debtors and/or other parties in meet ing obligations to the Financial Conglomeration. For Entity carrying out businesses based on sharia principles, Credit Risk also covers Investment Risks. Investment risk (Equity Investment Risk) is the risk that the entity must bear the debtor's business losses that were financed through net revenue sharing as well as profit and loss sharing financing scheme.
2). Risiko Pasar Risiko akibat adanya pergerakan variabel pasar (adverse movement) dari portofolio yang dimiliki Konglomerasi Keuangan. Variabel pasar adalah suku bunga, nilai tukar, komoditas, dan ekuitas. Untuk Entitas yang melakukan kegiatan usaha berdasarkan prinsip syariah, Risiko pasar mencakup pula Risiko imbal hasil. 3). Risiko Likuiditas Risiko akibat ketidakmampuan Konglomerasi Keuangan 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 dari Konglomerasi Keuangan tersebut. 4). Risiko Operasional Risiko akibat ketidakcukupan
2). Market Risk Market Risk is the risk due to adverse movements of market variables affecting the portfolio of the Financial Conglomeration. Market variables are interest rates, exchange rates, commodities, and equities. For Entities with businesses based on sharia principles, market risk includes the rate of return risk. 3). Liquidity Risk Liquidity Risk is the risk of the Financial Conglomeration failing to meet its maturing obligations from cash flow funding sources and/or from high quality liquid assets which can be pledged, without disrupting the activities and financial conditions of the Financial Conglomeration. 4). Operational Risk Operational Risk is the risk due to
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I dan/atau tidak berfungsinya proses internal, kesalahan manusia, kegagalan sistem, dan/atau adanya kejadian-kejadian eksternal yang mempengaruhi operasional Konglomerasi Keuangan. 5). Risiko Hukum Risiko akibat tuntutan hukum dan/atau kelemahan aspek yuridis, antara lain disebabkan adanya tuntutan hukum, ketiadaan peraturan perundang-undangan yang mendukung, atau kelemahan perikatan seperti tidak dipenuhinya syarat sahnya perjanjian dan pengikatan agunan yang tidak sempurna. 6). Risiko Reputasi Risiko akibat menurunnya tingkat kepercayaan stakeholder yang bersumber dari persepsi negatif baik terhadap Entitas sebagai anggota Konglomerasi Keuangan maupun terhadap Konglomerasi Keuangan secara keseluruhan. 7). Risiko Stratejik. Risiko akibat ketidaktepatan dalam pengambilan dan/atau pelaksanaan suatu keputusan stratejik serta kegagalan dalam mengantisipasi perubahan lingkungan bisnis. 8). Risiko Kepatuhan. Risiko akibat tidak mematuhi dan/atau tidak melaksanakan peraturan perundang-undangan dan ketentuan yang berlaku. 9). Risiko transaksi Intra-Grup Risiko akibat ketergantungan suatu entitas baik secara langsung maupun tidak langsung terhadap entitas lainnya dalam satu Konglomerasi Keuangan dalam rangka pemenuhan kewajiban perjanjian tertulis maupun perjanjian tidak tertulis baik yang diikuti perpindahan dana dan/atau tidak diikuti perpindahan dana. Risiko transaksi intra-grup
inadequacy and/or failed internal processes, human errors, system failures, and/or external events that affect the operational activities of the Financial Conglomeration. 5). Legal Risk Legal Risk is the risk due to lawsuits and/or weakness in the juridical aspects, such as; lawsuits, the absence of supporting legislation, or weaknesses in the agreement such as non fulfillment of terms of the agreement and imperfect collateral agreement.
6). Reputation Risk Reputation risk is the risk of a decrease in the stakeholder’s level of confidence that result from negative perceptions of entities in the Financial Conglomeration as well as as that of the Financial Conglomeration. 7). Strategic Risk. Strategic Risk is the risk due to inaccurate strategic decision making and/or its implementation as well as the failure to anticipate changes in the business environment. 8). Compliance Risk. Compliance Risk is the risk due to the non compliance and/or non enforcement of prevailing laws and regulations. 9). Intra-Group transactions Risk Risk is the risk of dependence of an entity either directly and/or indirectly on other entities in a Financial Conglomerate in order to fulfill contractual or noncontractual obligations followed by the transfer the funds or not. Intragroup transactions risk may arise from:
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I antara lain dapat timbul dari: a) kepemilikan silang antar Entitas dalam Konglomerasi Keuangan; b) sentralisasi manajemen likuiditas jangka pendek; c) jaminan, pinjaman, dan komitmen yang diberikan atau diperoleh suatu Entitas dari Entitas lain dalam Konglomerasi Keuangan; d) eksposur kepada pemegang saham pengendali, termasuk eksposur pinjaman dan offbalance sheet seperti jaminan dan komitmen; e) pembelian atau penjualan aset kepada Entitas lain dalam satu Konglomerasi Keuangan; f) transfer risiko melalui reasuransi; dan/atau g) transaksi untuk mengalihkan eksposur risiko pihak ketiga di antara Entitas dalam satu Konglomerasi Keuangan. 10). Risiko Asuransi Risiko akibat kegagalan perusahaan asuransi memenuhi kewajiban kepada pemegang polis sebagai akibat dari ketidakcukupan proses seleksi Risiko (underwriting), penetapan premi (pricing), penggunaan reasuransi, dan/atau penanganan klaim. Risiko asuransi tidak wajib dikelola oleh Konglomerasi Keuangan yang tidak memiliki perusahaan asuransi dan/atau reasuransi.
c. Pembentukan Komite Manajemen Risiko Terintegrasi (KMRT) dan Satuan Manajemen Risiko Terintegrasi (SKMRT) Dalam rangka penerapan Manajemen Risiko Terintegrasi yang komprehensif dan efektif, Danamon sebagai Entitas Utama wajib membentuk:
a) Cross-ownership between entities in the financial conglomeration; b) Centralized management of short-term liquidity; c) Guarantees, loans, and commitments which provdied to or obtained by an entity from other entities in the Financial Conglomeration; d) Exposure to the controlling shareholder, including loan and off-balance sheet items such as guarantees and commitments; e) Purchase or sale of assets to other entity in the financial conglomeration; f) Transfer of risk through reinsurance; and/ or g) Transactions to divert the third party risk exposures amongst entities in the Financial Conglomeration. 10). Risk Insurance Insurance risk is the risk of the insurance companies failing to meet the obligations to policy holders as a result of the inadequate risk selection process (underwriting), premiums setting (pricing), the use of reinsurance, and / or the handling of claims. Insurance risk is not obligated to be managed by the Financial Conglomeration that does not have insurance and/or reinsurance companies. c. The establishment of the Integrated Risk Management Committee and Integrated Risk Management Unit In order to implement a comprehensive and effective Integrated Risk Management, Danamon as the Main Entity must establish:
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I 1) Komite Manajemen Risiko Terintegrasi, dengan keanggotaan paling sedikit : a) Direktur Danamon yang membawahkan fungsi Manajemen Risiko sebagai ketua merangkap anggota Komite Manajemen Risiko Terintegrasi; b) Direktur yang mewakili dan ditunjuk dari Entitas dalam Konglomerasi Keuangan; dan c) pejabat eksekutif.
1) Integrated Risk Management Committee, with a membership at a minimum consisting of: a) Danamon’s Director in charge of the risk management function as chairman and member of the Integrated Risk Management Committee; b) Director representing and appointed by the entity in the Financial conglomeration; and c) Executive officers.
2) Satuan Kerja Manajemen Risiko Terintegrasi. a) Pembentukan Satuan Kerja Manajemen Risiko Terintegrasi (SKMRT) disesuaikan dengan karakteristik dan kompleksitas usaha serta risiko yang melekat dalam Konglomerasi Keuangan. b) Pelaksanaan tugas dan tanggung jawab SKMRT dapat merupakan salah satu fungsi dari satuan kerja manajemen risiko Danamon yang ada. c) Satuan Kerja Manajemen Risiko Terintegrasi (SKMRT) bertanggung jawab langsung kepada Direktur Danamon yang membawahkan fungsi Manajemen Risiko Terintegrasi.
2) Integrated Risk Management Unit.
d. Kebijakan Manajemen Risiko Terintegrasi Danamon sebagai Entitas utama wajib menyusun Kebijakan Manajemen Risiko Terintegrasi sebagai pedoman penerapan manajemen risiko terintegrasi bagi Entitas dalam konglomerasi keuangan yang memuat paling sedikit : 1) penetapan risiko yang terkait dengan kegiatan bisnis Konglomerasi Keuangan; 2) perumusan strategi Manajemen Risiko Terintegrasi; 3) penetapan penggunaan metode
a) Establishment of Integrated Risk Management Unit shall be in accordance with characteristics and complexity of the business as well as inherent risks in the Financial Conglomeration. b) The duties and responsibilities of the Integrated Risk Management Unit may be carried out by an existing risk management unit in Danamon. c) Integrated Risk Management Unit is directly responsible to the Danamon‘s Director in charge of the Integrated Risk Management function.
d. Integrated Risk Management Policy Danamon as the Main Entity must prepare an Integrated Risk Management Policy to guide the implementation of integrated risk management in entities within the Financial Conglomeration which at a minimum include: 1) determination of risks related to the business activities of Financial Conglomeration; 2) formulation of Integrated Risk Management strategy; 3) determination of Integrated Risk
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I
4)
5) 6)
7)
pengukuran dan sistem informasi Manajemen Risiko Terintegrasi; penetapan strategi dan kerangka risiko sesuai dengan tingkat risiko yang akan diambil (risk appetite) dan toleransi risiko (risk tolerance); penetapan metode penilaian peringkat risiko; penyusunan rencana darurat (contingency plan) dalam kondisi terburuk (worst case scenario); penetapan sistem pengendalian intern dalam penerapan Manajemen Risiko Terintegrasi.
Management measurement methods and information systems; 4) determintation of strategy and risk framework in accordance with risk appetite and risk tolerance; 5) determination of risk assessment ratings; 6) preparation of worst case scenario contingency plan ; 7) determination of internal control system in the Integrated Risk Management implementation.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I
BAGIAN III LAPORAN, PENILAIAN DAN PENGUNGKAPAN A. LAPORAN DAN PELAKSANAAN TATA TERINTEGRASI (TKT)
CHAPTER III REPORTS, ASSESSMENT AND DISCLOSURE
PENILAIAN KELOLA
A. REPORTS AND ASSESSMENT OF INTEGRATED CORPORATE GOVERNANCE (ICG)
1. Laporan Keanggotaan Konglomerasi Keuangan a. Danamon sebagai Entitas Utama wajib menyampaikan laporan mengenai Entitas yang menjadi Entitas Utama dan Entitas yang menjadi anggota Konglomerasi Keuangan kepada Otoritas Jasa Keuangan. b. Danamon sebagai Entitas Utama wajib menyampaikan laporan kepada Otoritas Jasa Keuangan dalam hal terdapat: 1) Konglomerasi Keuangan baru disertai penunjukkan Entitas Utama; 2) perubahan Entitas Utama; 3) perubahan anggota Konglomerasi Keuangan; dan/atau 4) pembubaran Konglomerasi Keuangan. c. Perubahan terkait dengan keanggotaan Konglomerasi Keuangan wajib dilaporkan oleh Danamon kepada Otoritas Jasa Keuangan paling lambat 20 (dua puluh) hari kerja sejak terjadinya perubahan.
1. Financial Conglomeration Members’ Reports a. Danamon as the Main Entity must submit a report on the entity that will be the Main Entity and entities that will be members of Financial Conglomeration to the Financial Services Authority.
2. Laporan Penilaian Pelaksanaan Tata Kelola Terintegrasi a. Kewajiban Entitas Utama 1) Laporan penilaian pelaksanaan Tata Kelola Terintegrasi disusun oleh Danamon sebagai Entitas Utama secara berkala setiap
2. Assessment Report of Integrated Corporate Governance Implementation a. Obligation of the Main Entity 1) Integrated Corporate Governance Assessment report of implementation shall be prepared by Danamon as the
b. Danamon as the Main Entity must submit a report to the Financial Services Authority in cases where there is/are: 1) a new financial conglomeration with appointment of a Main Entity; 2) a change to Main Entity; 3) changes to the Financial Conglomeration members; and / or 4) dissolution of the Financial Conglomeration. c. Changes in the Financial Conglomeration members shall be reported by the Danamon to the Financial Services Authority at the latest 20 (twenty) working days from the changes.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I semester untuk posisi akhir bulan Juni dan Desember. Laporan penilaian pelaksanaan Tata Kelola Terintegrasi pertama kali dilakukan untuk posisi Desember 2015. 2) Danamon sebagai Entitas Utama wajib menyampaikan laporan penilaian pelaksanaan Tata Kelola Terintegrasi kepada Otoritas Jasa Keuangan paling lambat pada tanggal 15 bulan kedua setelah berakhirnya bulan laporan.
Main Entity every semester at end of June and December. For the first Integrated Corporate Governance report shall be submitted for the December 2015 position. 2) Danamon as the Main Entity shall submit the Integrated Corporate Governance assessment report to the Financial Services Authority at the latest on the 15th of the second month after the end of the reporting month.
b. Kewajiban Entitas Anggota dalam Konglomerasi Keuangan 1) Masing-masing Entitas dalam Konglomerasi Keuangan wajib menyusun laporan penilaian pelaksanaan tata kelola untuk posisi Juni dan Desember yang disampaikan kepada Danamon sebagai Entitas Utama. Penyampaian laporan kepada Danamon harus memperhatikan batas waktu kewajiban penyampaian laporan oleh Danamon sebagai Entitas Utama. 2) Penyusunan laporan penilaian pelaksanaan tata kelola masingmasing Entitas mempertimbangkan keselarasan laporan penilaian pelaksanaan Tata Kelola Terintegrasi.
b. Obligations of Entity Members in the Financial Conglomeration 1) Each entity member in the Financial Conglomeration shall prepare a corporate governance assessment report for the June and December positions and submit to Danamon as the Main Entity. In submitting the report to Danamon, consideration must be given to the submission due date of Danamon as the Main Entity.
3. Laporan Pelaksanaan Tata Kelola Terintegrasi a. Kewajiban Entitas Utama 1) Danamon sebagai Entitas Utama wajib menyusun laporan tahunan pelaksanaan Tata Kelola Terintegrasi. 2) Laporan tahunan pelaksanaan Tata Kelola Terintegrasi disampaikan kepada Otoritas Jasa Keuangan paling lambat 5
3. Integrated Governance Implementation Report a. Obligations of the Main Entity 1) Danamon as the Main Entity must prepare an annual report of Integrated Corporate Governance implementation. 2) The annual Integrated Corporate Governance implementation report shall be submitted to the Financial Services Authority at
2) Preparation of the corporate governance assessment report of each entity member will consider alignment to the Integrated Corporate Governance Assessment report.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I (lima) bulan sejak tahun buku berakhir.
latest 5 (five) months after the end of the fiscal year.
b. Kewajiban Entitas Anggota Konglomerasi Keuangan 1) Masing-masing Entitas dalam Konglomerasi Keuangan wajib menyusun laporan tahunan pelaksanaan tata kelola yang disampaikan kepada Danamon sebagai Entitas Utama. Penyampaian laporan kepada Danamon agar memperhatikan batas waktu kewajiban penyampaian laporan Danamon sebagai Entitas Utama kepada Otoritas Jasa Keuangan. 2) Penyusunan laporan tahunan pelaksanaan tata kelola masingmasing Entitas mempertimbangkan keselarasan laporan tahunan pelaksanaan Tata Kelola Terintegrasi dan peraturan eksternal terkait lainnya.
b. Obligations of the Entity Members in Financial Conglomeration 1) Each entity member in the Financial Conglomeration shall prepare an annual Integrated Corporate Governance implementation report and submit to Danamon as the Main Entity. In submitting the report to Danamon, consideration must be given to the submission due date of Danamon as the Main Entity to Financial Services Authority. 2) The annual corporate governance implementation report in each entity shall consider alignment to the annual Integrated Corporate Governance implementation report and other related external regulations.
4. Metode Penilaian Sendiri (Self Assessment) Pelaksanaan Tata Kelola Terintegrasi a. Penilaian pelaksanaan tata kelola terintegrasi dilakukan melalui penilaian secara sendiri (self assessment) berdasarkan pelaksanaan tata kelola di Danamon dan masing-masing Entitas. Penilaian pelaksanaan tata kelola mencakup 3 (tiga) aspek tata kelola yaitu governance structure, governance proces dan governance outcome.
4. Integrated Corporate Governance Implementation Self Assessment
1) Penilaian governance structure dilakukan untuk menilai kecukupan struktur dan infrastruktur tata kelola agar proses pelaksanaan prinsip tata kelola menghasilkan outcome yang sesuai dengan harapan
a. Assessment of integrated corporate governance implementation is conducted through self-assessment based on implementation of corporate governance in Danamon and in each Entity member. Assessment of corporate governance implementation covers 3 (three) corporate governance aspects; namely, governance structure, governance process and governance outcomes. 1) Assessment of the governance structure is performed to assess the adequacy of corporate governance structures and infrastructure so that the implementation process of corporate governance principles
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I stakeholder. Yang termasuk dalam struktur tata kelola adalah Komisaris, Direksi, Komite dan Satuan Kerja. Sedangkan yang termasuk infrastruktur adalah kebijakan dan prosedur, sistem informasi manajemen serta tugas pokok dan fungsi masing-masing struktur organisasi.
2) Penilaian governance proces dilakukan untuk menilai efektivitas proses pelaksanaan prinsip tata kelola yang didukung kecukupan struktur dan infrastruktur yang menghasilkan outcome yang sesuai dengan harapan stakeholder. 3) Penilaian governance outcome dilakukan untuk menilai kualitas yang memenuhi harapan stakeholder. Yang termasuk dalam outcome mencakup aspek kualitatif dan aspek kuantitatif antara lain kecukupan transparansi laporan, kepatuhan terhadap perundang-undangan, perlindungan konsumen, objektivitas dalam melakukan audit atau assessment, kinerja dan penyelesaian permasalahan yang dihadapi (fraud dan pelanggaraan ketentuan). b. Penilaian pelaksanaan Tata Kelola Terintegrasi dikategorikan menjadi 5 (lima) peringkat yaitu: Peringkat 1, Peringkat 2, Peringkat 3, Peringkat 4 dan Peringkat 5. Urutan peringkat yang lebih kecil mencerminkan penerapan prinsip Tata Kelola yang lebih baik. Penentuan peringkat diatur dalam dokumen terpisah dari kebijakan ini.
can provide outcomes in line with the stakeholders’ expectations. The governance structure consists of Board of Commissioners, Board of Directors, Committees and Units whilst infrastructure includes policies, procedures, management information systems as well as the main duties and functions of each organizational structure. 2) Assessment of the governance process is performed to assess the effectiveness of implementation of corporate governance principles supported by appropriate structure and infrastructure to provide outcomes in line with the stakeholder’s expectations. 3) Assessment of governance outcomes is performed to assess if the quality meets stakeholder’s expectations. The governance outcome includes the qualitative and quantitative aspects, and amongst others, adequacy of transparency in reports, compliance with regulations, consumer protection, objectivity in audit or assessment, performance and resolution of issues (frauds, violations).
b. Assessment of the Integrated Corporate Governance implementation is classified into 5 (five) categories as follow: Rating 1, Rating 2, Rating 3, Rating 4 and Rating 5. The smaller rating reflects better implementation of the corporate governance principles. The rating is set in a separate document of this policy.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part I B. PENGUNGKAPAN DAN TRANSPARANSI
TATA KELOLA TERINTEGRASI 1. Danamon sebagai Entitas Utama wajib mempublikasikan laporan tahunan pelaksanaan Tata Kelola Terintegrasi dalam home page Danamon paling lambat 5 (lima) bulan sejak tahun buku berakhir. 2. Laporan tahunan pelaksanaan Tata Kelola Terintegrasi dapat menjadi bagian tersendiri dalam laporan tahunan Konglomerasi Keuangan atau diajukan secara terpisah dari laporan tahunan Konglomerasi Keuangan. 3. Masing-masing Entitas dalam Konglomerasi Keuangan wajib mempublikasikan laporan tahunan pelaksanaan Tata Kelola dalam home page masing-masing Entitas.
B. DISCLOSURE
AND TRANSPARENCY INTEGRATED CORPORATE GOVERNANCE 1. Danamon as the Main Entity shall publish the annual Integrated Corporate Governance implementation report in Danamon’s home page at latest 5 (five) months after the end of the fiscal year. 2. The annual Integrated Corporate Governance implementation report may become part of the annual report of the Financial Conglomeration or a report separate from the annual report of the Financial Conglomeration. 3. Each entity member in the financial conglomeration shall publish the annual Corporate Governance implementation report in each entity’s home page.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II
Kebijakan II Policy Part II
Kerangka Acuan Tata Kelola Perusahaan Danamon Grup Corporate Governance Framework For Danamon Group
PT Bank Danamon Indonesia, Tbk. 2015
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II I.PENDAHULUAN
I.FOREWORD
Kerangka acuan tata kelola perusahaan konglomerasi keuangan Danamon Grup merupakan bagian dari Kebijakan Tata Kelola Terintegrasi (“Kebijakan”) yang merupakan prinsip dasar dan pedoman minimal dalam penyusunan dan penerapan tata kelola bagi seluruh Perusahaan Danamon Grup (Danamon dan Perusahaan Anak).
The corporate governance framework for Danamon Group Financial Conglomeration, which is part of the Integrated Corporate Governance Policy (“Policy”), is the basic principles and essential guidelines in the preparation and implementation of corporate governance for all companies in Danamon Group (Danamon and subsidiaries)
Penyusunan dan penerapan tata kelola pada masing-masing Perusahaan wajib mengacu kepada Kebijakan ini, serta memenuhi dan memperhatikan peraturan terkait tata kelola yang berlaku sesuai jenis dan sektor jasa keuangan masing-masing Perusahaan.
In developing and implementing corporate governance, each company within Danamon Group must refer to this policy as well as comply with the related corporate governance regulations applicable to the type of financial sector the company is in.
Dalam hal peraturan eksternal yang berlaku pada masing-masing perusahaan lebih longgar maka Perusahaan wajib mengacu dan berpedoman kepada Kebijakan ini. Sebaliknya apabila peraturan eksternal pada masing-masing perusahaan lebih ketat maka Perusahaan wajib mengacu dan menyesuaikan pada peraturan eksternal tersebut termasuk perubahannya.
In the case that the prevailing external regulations to the each company are more accommodative, the company must adopt this policy. On the other hand, in the case that the external regulations pertaining to the each company are more restrictive, the company must refer and adjust to the external regulations including its amendements.
Dengan demikian akan diperoleh kesamaan minimal tingkat penerapan tata kelola diseluruh Perusahaan dalam konglomerasi keuangan Danamon Grup.
In doing so, the same minimum standard of corporate governance implementation may be achieved across all the companies within Danamon Group Financial Conglomeration.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II II.PRINSIP DAN CAKUPAN TATA KELOLA PERUSAHAAN
II.CORPORATE GOVERNANCE PRINCIPLES AND COVERAGE
Perusahaan dalam Konglomerasi Keuangan Danamon Grup wajib melaksanakan kegiatan usahanya dengan berlandaskan kepada 5 (lima) prinsip dasar tata kelola perusahaan yang baik pada seluruh tingkatan dan jenjang organisasi.
Companies within the Danamon Group Financial Conglomeration at all levels of their organizations must carry out their business activities based on 5 (five) basic good corporate governance principles.
PRINSIP DASAR TATA KELOLA PERUSAHAAN YANG BAIK Prinsip-prinsip tata kelola perusahaan yang baik, meliputi: 1. Keterbukaan Keterbukaan dalam proses pengambilan keputusan serta keterbukaan informasi yang material dan relevan mengenai perusahaan; 2. Akuntabilitas Kejelasan fungsi dan pelaksanaan pertanggungjawaban Organ Perusahaan sehingga kinerja perusahaan dapat berjalan secara transparan, wajar, efektif, dan efisien; 3. Pertanggungjawaban Kesesuaian pengelolaan Perusahaan dengan peraturan perundang-undangan di bidang Perusahaan dan nilai-nilai etika serta standar, prinsip, dan praktik penyelenggaraan usaha yang sehat; 4. Kemandirian Keadaan Perusahaan yang dikelola secara mandiri dan profesional serta bebas dari Benturan Kepentingan dan pengaruh atau tekanan dari pihak manapun yang tidak sesuai dengan peraturan perundangundangan dan nilai-nilai etika serta standar, prinsip, dan praktik penyelenggaraan usaha yang sehat; dan 5. Kesetaraan dan kewajaran Kesetaraan, keseimbangan, dan keadilan di dalam memenuhi hak-hak Pemangku Kepentingan yang timbul berdasarkan
GOOD CORPORATE GOVERNANCE BASIC PRINCIPLES Principles of good corporate governance include: 1. Transparency Openness in the decision making process and in material and relevant company information disclosure; 2. Accountability Clear functions and responsibilities for the company’s organs so that the company may operate on a transparent, normal, effective and efficient manner; 3. Responsibility Management of the company in accordance with laws and regulations in the industry the company is in, the ethical values as well as the standards, principles and sound business practices; 4. Independency Independent and professional management of the company, free from conflicts of interests and influences or pressures from other parties which are inconsistent with laws and regulations and ethical values, standards, principles and sound business practices; and, 5. Fairness Balance and impartiality in fulfilling the rights of stakeholders which arise from contractual agreements, laws and
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Page | 38 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II perjanjian, peraturan perundang-undangan, dan nilai-nilai etika serta standar, prinsip, dan praktik penyelenggaraan usaha yang sehat.
regulations and ethical values as well as standards, principles and sound business practices.
CAKUPAN PELAKSANAAN PRINSIP TATA KELOLA
COVERAGE OF CORPORATE GOVERNANCE PRINCIPLES IMPLEMENTATION The implementation of good corporate governance principles is actualized at a minimum in: a. Carrying out the roles and responsibilities of the Board of Commissioners, Board of Directors and the Syariah Supervisory Board (for companies carrying out business activities in accordance with Syariah principles); b. Completeness and carrying out the duties of committees and internal control units;
Pelaksanaan prinsip tata kelola perusahaan yang baik paling kurang diwujudkan dalam : a.
Pelaksanaan tugas dan tanggung jawab Dewan Komisaris, Direksi dan Dewan Pengawas Syariah bagi Perusahaan yang menjalankan kegiatan usaha berdasarkan prinsip syariah;
b.
Kelengkapan dan pelaksanaan tugas komite-komite dan satuan kerja yang menjalankan fungsi pengendalian intern Perusahaan; Penerapan fungsi kepatuhan, auditor internal dan auditor eksternal; Penerapan manajemen risiko, termasuk sistem pengendalian intern; Penyediaan dana kepada pihak terkait; Penerapan kebijakan remunerasi; Pengelolaan benturan kepentingan; rencana strategis Perusahaan; Transparansi kondisi keuangan dan non keuangan Perusahaan.
c. d. e. f. g. h. i.
c. d. e. f. g. h. i.
Implementation of compliance function, internal audit and external audit; Implementation of risk management including internal control system; Provision of funds to related parties; Remuneration policy application; Conflict of Interests management; Company’s strategic plans; Financial and non-financial disclosures.
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Page | 39 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II III.KOMITMEN PENERAPAN TATA KELOLA
III.COMMITMENT FOR THE IMPLEMENTATION OF CORPORATE GOVERNANCE
Penerapan tata kelola perusahaan yang baik secara konsekuen dan berkelanjutan hanya akan dapat dicapai apabila terdapat komitmen yang kuat dari organ perusahaan dan jajarannya. Prinsip dasar yang harus dilaksanakan Perusahaan dalam memastikan adanya komitmen dalam penerapan tata kelola, antara lain : a. Rumusan Visi dan Misi Perusahaan
Consistent and sustainable application of good corporate governance may be achieved with the strong commitment from various organs in the company. The basic principles that must be implemented to ensure the commitment of the company include:
Perusahaan dalam Konglomerasi Keuangan Danamon Grup wajib menetapkan visi dan misi yang jelas dan mencerminkan sesuatu yang ingin dicapai, memiliki orientasi masa depan, serta memberikan arah dan fokus strategi perusahaan. Dalam merumuskan visi dan misi, Perusahaan wajib mempertimbangkan keselarasan Visi dan Misi dalam Danamon Grup, termasuk visi dan misi Danamon sebagai Entitas Utama. Visi dan misi Perusahaan wajib dievaluasi secara berkala oleh Dewan Komisaris dan Direksi Perusahaan.
b. Nilai-Nilai Perusahaan Perusahaan harus memiliki nilai-nilai perusahaan yang mengambarkan sikap moral perusahaan yang baik dalam pelaksanaan usahanya. Nilai-nilai perusahaan merupakan landasan moral dalam mencapai visi dan misi Perusahaan. Nilai-nilai perusahaan pada dasarnya bersifat universal dan dalam merumuskannya perlu disesuaikan dengan visi dan misi masingmasing perusahaan serta akseptabilitas dari pemangku kepentingan Perusahaan.
a. Formulation of Company’s Vision and Mission Financial conglomerate companies in the Danamon Group shall establish clear vision and mission that reflect goals to be achieved, have a future orientation, and provide direction and focus for the company's strategy. In formulating the vision and mission, the company shall consider the alignment of vision and mission within Danamon Group, including the vision and mission of Danamon as the Main Entity. Vision and mission of the Company shall be evaluated regularly by the Board of Commissioners and Directors of the Company. b. Values of the Company The Company must have corporate values that portray good morals of the company in carrying out its business. Company values constitute the moral foundation in achieving the vision and mission of the Company. The company's values are essentially universal and in formulating these values, the Company needs to adjust them to the vision and mission of each company as well as the acceptability to the Company's stakeholders.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II c. Pedoman atau Kebijakan Tata Kelola Perusahaan Perusahaan wajib memiliki pedoman atau kebijakan tata kelola perusahaan yang menjadi pedoman utama dalam penerapan prinsip-prinsip tata kelola perusahaan yang baik. Pedoman atau kebijakan tata kelola perusahaan harus dilaksanakan secara konsisten pada seluruh tingkatan dan jenjang organisasi.
c. Manual or Corporate Governance Policy The Company shall possess corporate governance guidelines or policies as the main guidelines for the implementation of the principles of good corporate governance. Guidelines or corporate governance policies must be implemented consistently at all levels of the organization.
d. Pedoman Etika Bisnis dan Pedoman Perilaku Perusahaan harus memiliki rumusan etika bisnis dan pedoman perilaku yang penyusunannya dilakukan dengan melibatkan organ perusahaan dan jajaran dibawahnya. Etika bisnis dan pedoman perilaku harus dilaksanakan secara berkesinambungan dan konsisten serta dikomunikasikan dan dipahami oleh karyawan maupun pemangku kepentingan lainnya sehingga membentuk budaya perusahaan yang merupakan manifestasi dari nilai-nilai perusahaan.
d. Code of Business Ethics and Code of Ethics Company must formulate its business ethics and code of ethics where the preparation is done involving the organs of the company. Business ethics and code of ethics must be carried out continuously and consistently as well as communicated and understood by employees and other stakeholders so as to form a corporate culture that is a manifestation of the company's values.
e. Pedoman Tata Tertib Kerja Dewan Komisaris, Direksi dan Komite-Komite Pedoman tata tertib kerja (charter) merupakan pedoman tertulis yang menjadi acuan bagi Dewan Komisaris, Direksi dan Komite-Komite dalam melaksanakan fungsi, tugas dan tanggung jawabnya dalam melakukan pengelolaan perusahaan. Pedoman tata tertib kerja juga sekurangnya memuat secara jelas aturan-aturan tentang tugas dan tanggung jawab, etika dan waktu kerja, penyelenggaran rapat, notulen rapat, dan keabsahan pengambilan keputusan.
e. Guidelines for BoC, BoD and Committees Charters Guidelines on charters are written guidances used as references for the Board of Commissioners, Directors and Committees in carrying out the functions, duties and responsibilities in managing the company. Guidelines on charters at a minimum state clearly the guidances on duties and responsibilities, ethics and working hours, meetings, meeting minutes, and the validity of the decisions made.
f.
f. Conflict of Interests Management
Pengelolaan Benturan Kepentingan
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Page | 41 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II Perusahaan harus memiliki dan menerapkan kebijakan mengenai penanganan benturan kepentingan yang mengikat setiap organ perusahaan dan karyawan, termasuk tata cara pengambilan keputusan dan pengungkapan apabila terjadi benturan kepentingan.
The Company must possess and implement policies regarding the handling of conflicts of interest that binds every organ of the company and its employees, including the procedures for decision-making and disclosure in the event of a conflict of interest.
g. Whistle-blowing System Perusahaan harus memiliki whistle-blowing System untuk memungkinkan diperolehnya laporan dan pengaduan tentang pelanggaran etika bisnis, pedoman perilaku, peraturan perusahaan, peraturan perundang-undangan dan hal-hal yang berkaitan dengan bisnis perusahaan serta saran dan kritik dari karyawan dan pemangku kepentingan lainnya. Perusahaan wajib memastikan bahwa pengaduan diproses secara wajar dan menjamin adanya perlindungan terhadap individu yang melaporkan terjadinya pelanggaran.
g. Whistle-blowing System Companies must have a whistle-blowing system to enable obtaining reports and complaints about violation of business ethics, code of conduct, company regulations, legislation and matters relating to the company's business as well as comments and suggestions from employees and other stakeholders.
h. Tanggung Jawab Sosial dan Lingkungan (TJSL) Perusahaan sebagai bagian dari dunia usaha harus memiliki komitmen dan berperan serta dalam pembangunan ekonomi berkelanjutan guna meningkatkan kualitas kehidupan dan lingkungan yang bermanfaat, baik bagi Perusahaan sendiri, komunitas setempat, maupun masyarakat pada umumnya.
h. Social and Environmental Responsibilities Companies as part of the corporate world must have the commitment and participate in the sustainable economic development to improve the quality of life and environment that is beneficial, both for the company itself, the local community and society in general.
The Company shall ensure that complaints are processed appropriately and that the individuals reporting the violations are guaranteed protection.
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Page | 42 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II IV. STRUKTUR TATA KELOLA PERUSAHAAN
IV.STRUCTURE OF CORPORATE GOVERNANCE
RAPAT UMUM PEMEGANG SAHAM (RUPS)
GENERAL MEETING OF SHAREHOLDERS (GMS)
RUPS adalah organ perusahaan yang merupakan wadah para pemegang saham untuk mengambil keputusan dengan memperhatikan ketentuan anggaran dasar dan peraturan perundang‐undangan.
The General Meeting of Shareholders (GMS) is an organ of the company where shareholders make decisions considering the articles of association, the laws and regulations.
RUPS terdiri dari RUPS Tahunan dan RUPS Luar Biasa. RUPS Tahunan wajib diselenggarakan dalam jangka waktu paling lambat 6 (enam) bulan setelah tahun buku berakhir. RUPS Luar Biasa dapat diselenggarakan pada setiap waktu berdasarkan kebutuhan untuk kepentingan perusahaan sesuai Anggaran Dasar dan peraturan perundangan yang berlaku.
GMS consists of the Annual General Meeting of Shareholders (AGMS) and Extraordinary General Meeting of Shareholders (EGMS). AGMS shall be held within a maximum period of 6 (six) months after the end of the fiscal year. EGMS can be held at any time based on the needs for the company according to Article Association and prevailing regulations and laws.
KEWENANGAN RUPS RUPS mempunyai wewenang yang tidak diberikan kepada Direksi atau Dewan Komisaris, dalam batas yang ditentukan dalam peraturan perundang-undangan dan/atau Anggaran Dasar Perusahaan, antara lain:
AUTHORITY OF THE GMS GMS has the authority not granted to the Board of Directors and Board of Commissioners, within the limits specified in the regulations and laws, and/or Articles of Association, among others:
a. Persetujuan laporan tahunan, pengesahan laporan keuangan tahunan, laporan pertanggungjawaban Direksi dan laporan pengawasan Dewan Komisaris; b. pengangkatan dan pemberhentian anggota Direksi dan Dewan Komisaris;
a.
c. persetujuan tindakan korporasi yang membawa dampak signifikan kepada Perusahaan; d. penunjukkan dan pemberhentian auditor eksternal; e. pemberian remunerasi, bonus atau tantiem
c.
b.
d. e.
Approval of annual report, annual financial statements, the Directors’ accountability reports and monitoring reports of the Board of Commissioners; Appointment and dismissal of members of the Board of Directors and Board of Commissioners; Approval of corporate actions that bring a significant impact to the Company; Appointment and dismissal of the external auditor; Remuneration, bonuses or tantiem for
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Page | 43 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II
f.
Anggota Dewan Komisaris, Direksi dan Dewan Pengawas Syariah; kewenangan lain yang diatur dalam Anggaran Dasar dan Peraturan Perundangundangan yang berlaku.
PENYELENGGARAAN RUPS a. Dalam menyelenggarakan RUPS, Direksi wajib transparan dengan cara yang mudah diakses oleh pemegang saham dan pemangku kepentingan, baik dalam penetapan agenda, penyediaan bahan rapat, pemanggilan, penyelenggaraan rapat, maupun pembuatan risalah dan pengumuman hasil RUPS; b. Penyelenggaraan RUPS diadakan di tempat kedudukan Perusahaan atau di tempat Perusahaan melakukan kegiatan usaha utama sebagaimana ditentukan dalam Anggaran Dasar. RUPS wajib diselenggarakan dalam wilayah negara Republik Indonesia; c. RUPS dapat juga dilakukan melalui media telekonferensi, video konferensi, atau sarana media elektronik lainnya yang memungkinkan semua peserta RUPS saling melihat dan mendengar secara langsung serta berpartisipasi dalam rapat; d. RUPS dapat diselenggarakan apabila memenuhi persyaratan kuorum kehadiran penyelenggaraan RUPS sebagaimana diatur dalam Anggaran Dasar Perusahaan dan Peraturan perundang-undangan; e. Dewan komisaris dan Direksi harus menyampaikan pertanggungjawaban sesuai dengan tugas dan fungsi masing‐masing, untuk memperoleh acquit et de charge; f. Seluruh anggota Dewan Komisaris, anggota Direksi, anggota Dewan Pengawas Syariah , anggota Komite Audit dan anggota Komite lainnya dapat diminta untuk menghadiri RUPS. Perusahaan juga dapat mengundang
f.
Member of the Board of Commissioners, Directors and DPS; Other authorities stipulated in the Articles of Association and prevailing regulations and laws.
CONDUCTING THE GMS a. In organizing the GMS, the Board of Directors must be transparent in a way that is easily accessible to shareholders and stakeholders, whether in setting the agenda, the provision of meeting materials, invitation, organizing meetings, as well as the preparation of minutes and the announcement of the GMS results; b. GMS shall be held in the domicile of the Company or in the location where the Company carries out its main business activities as specified in the Articles of Association. GMS shall be held within the territory of the Republic of Indonesia; c. GMS can also be done through the teleconferencing media, video conferencing, or other means of electronic media which enable all participants to see and hear other participants in person and participate in the meeting; d. GMS can be held if it meets the GMS attendance quorum as stipulated in the Articles of Association and prevailing regulations and laws; e.
f.
The BoC and the BoD shall deliver their accountabilities in accordance with the duties and functions of each, to obtain acquit et de charge; Members of the Board of Commissioners, members of the Board of Directors, members of the Syariah Supervisory Board and Committee members, including the Audit Committee are required to attend
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Page | 44 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II pihak lain yang terkait dengan mata acara/agenda RUPS; g. Dalam hal agenda RUPS untuk memilih anggota Direksi, anggota Dewan Komisaris, dan atau anggota Dewan Pengawas Syariah, RUPS wajib mempertimbangkan calon‐calon yang disampaikan oleh Dewan Komisaris berdasarkan rekomendasi Komite Nominasi atau fungsi Nominasi Dewan Komisaris. RUPS juga wajib menetapkan remunerasi yang wajar bagi anggota Dewan Komisaris, Direksi, dan anggota Dewan Pengawas Syariah;
g.
the GMS. The Company may also invite other parties related to the GMS agenda; Where one of the agenda of the GMS is to elect members of the BoD or the BoC and or the Syariah Supervisory Board, the GMS must consider carefully the candidates that will be nominated by considering the input from the BoC based on the recomendation of the Nomination Committee and or the functions of the Nomination. GMS also must establish a reasonable remuneration for members of the BoC, BoD and Syariah Supervisory Board; The appointment of external auditor has considered the recommendations of the Audit Committee as submitted to the Board of Commissioners.
h. Dalam hal penetapan auditor eksternal, telah mempertimbangkan rekomendasi dari Komite Audit yang disampaikan kepada Dewan Komisaris.
h.
PROSES PENYELENGGARAAN RUPS Perusahaan yang merupakan Perusahaan Terbuka selain mengikuti ketentuan penyelenggaraan RUPS di atas juga wajib mengikuti ketentuan penyelenggaraan RUPS di bawah ini.
PROCESS OF CONDUCTING GMS The Company which is a Public Company must not only follow the guidelines for the conduct of GMS above but also follow the guidelines below.
1. Tempat Penyelenggaraan RUPS RUPS wajib diselenggarakan dengan tempat penyelenggaraan sebagai berikut: a. tempat kedudukan Perusahaan; b. tempat Perusahaan melakukan kegiatan usaha utamanya; c. ibukota provinsi dimana tempat kedudukan atau tempat kegiatan usaha utama Perusahaan; atau d. provinsi tempat kedudukan Perusahaan.
1. Place for the Conduct of GMS GMS shall be held with the following venue details: a. In the domicile of the Company; b. The location where the Company carries out its main business activities; c. the capital of the province where the Company is domiciled or principal place of business of the Company; or d. The Company's domicile province.
2. Pemberitahuan RUPS a. Perusahaan wajib terlebih dahulu menyampaikan pemberitahuan mata
2. GMS Notification a. The company shall submit notice of the meeting agenda to the Financial
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II acara (agenda) rapat kepada Otoritas Jasa Keuangan (OJK) paling lambat 5 (lima) hari kerja sebelum pengumuman RUPS, dengan tidak memperhitungkan tanggal pengumuman RUPS. b. Dalam hal terdapat perubahan mata acara (agenda) rapat, Perusahaan wajib menyampaikan perubahan mata acara kepada OJK paling lambat pada saat pemanggilan RUPS. 3. Pengumuman RUPS a. Perusahaan wajib melakukan pengumuman RUPS kepada pemegang saham paling lambat 14 (empat belas) hari sebelum pemanggilan RUPS, dengan tidak memperhitungkan tanggal pengumuman dan tanggal pemanggilan. b. Media pengumuman RUPS dilakukan paling kurang melalui : 1) 1 (satu) surat kabar harian berbahasa Indonesia yang berperedaran nasional; 2) situs web Bursa Efek; dan 3) situs web Perusahaan, dalam Bahasa Indonesia dan bahasa asing, dengan ketentuan bahasa asing yang digunakan paling kurang bahasa Inggris. c. Isi Pengumuman RUPS paling kurang memuat: 1) ketentuan pemegang saham yang berhak hadir dalam RUPS; 2) ketentuan pemegang saham yang berhak mengusulkan mata acara rapat; 3) tanggal penyelenggaraan RUPS; dan 4) tanggal pemanggilan RUPS. d. Bukti pengumuman RUPS wajib disampaikan kepada Otoritas Jasa
Services Authority (FSA) no later than five (5) working days prior to the announcement of the GMS, excluding the date of the announcement of GMS. b. In the event of a change in the meeting agenda, the Company shall submit to the FSA changes in the agenda no later than the invitation to the GMS.
3. GMS Announcement a. The company shall make an announcement of the GMS to the shareholders no later than fourteen (14) days before the invitation to the GMS, excluding the date of announcement and date of the invitation. b. GMS announcement is made at least via the following media: 1) 1 (one) Indonesian language daily newspaper with national circulation; 2) Stock Exchange web site; and, 3) The Company's website, in Indonesian and foreign languages, with the provision that the foreign language used is at least English. c. Contents of the GMS Announcement are at least: 1) The provisions of the shareholders entitled to attend the GMS; 2) The provisions of the shareholders who are entitled to propose the agenda of the meeting; 3) The date of the GMS; and 4) The date of GMS. d. Evidence of the GMS Announcement must be submitted to FSA no later than
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II Keuangan paling lambat 2 (dua) hari kerja setelah pengumuman RUPS. 4. Pemanggilan RUPS a. Perusahaan wajib melakukan pemanggilan kepada pemegang saham paling lambat 21 (dua puluh satu) hari sebelum pelaksanaan RUPS, dengan tidak memperhitungkan tanggal pemanggilan dan tanggal RUPS. b. Media Pemanggilan RUPS kepada pemegang saham paling kurang melalui: 1) 1 (satu) surat kabar harian berbahasa Indonesia yang berperedaran nasional; 2) situs web Bursa Efek; dan 3) situs web Perusahaan, dalam Bahasa Indonesia dan bahasa asing, dengan ketentuan bahasa asing yang digunakan paling kurang bahasa Inggris c. Cakupan informasi dalam pemanggilan RUPS paling kurang memuat: 1) tanggal penyelenggaraan; 2) waktu penyelenggaraan; 3) tempat penyelenggaraan; 4) ketentuan pemegang saham yang berhak hadir; 5) mata acara/agenda rapat termasuk penjelasan atas setiap mata acara/agenda tersebut; dan 6) informasi yang menyatakan bahan terkait mata acara/agenda rapat tersedia bagi pemegang saham sejak tanggal dilakukannya pemanggilan sampai dengan RUPS diselenggarakan d. Bukti pemanggilan RUPS wajib disampaikan kepada Otoritas Jasa Keuangan paling lambat 2 (dua) hari kerja setelah pemanggilan RUPS.
two (2) working days announcement of GMS.
after
the
4. GMS Invitation a. The company, shall invite shareholders not later than 21 (twenty one) days before the GMS, excluding the date of GMS Announcement and the date of the GMS. b. GMS Invitation to the shareholders is made at least via the following media: 1) 1 (one) Indonesian language daily newspaper with national circulation; 2) Stock Exchange web site; and 3) The Company's website, in Indonesian and foreign languages, with the provision that the foreign language used is at least English. c. Information for GMS invitation at the minimum include: 1) the date GMS will be held; 2) the time GMS will be held; 3) the venue; 4) the provisions of the shareholders who are entitled to attend; 5) the agenda / meeting agenda includes an explanation on each agenda / agenda; and 6) information stating that the agenda is available to shareholders since the invitation date till the date of GMS.
d. Evidence of the GMS Invitation must be submitted to FSA no later than 2 (two) working days after the invitation for GMS.
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Page | 47 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 7) 5. Tata tertib RUPS a. Perusahaan harus menyusun dan menyiapkan Tata Tertib RUPS yang harus diberikan kepada pemegang saham yang hadir. b. Pokok-pokok tata tertib RUPS harus dibacakan sebelum RUPS dimulai. c. Pada saat pembukaan RUPS, pimpinan RUPS wajib memberikan penjelasan kepada pemegang saham paling kurang mengenai: 1) Kondisi umum Perusahaan secara singkat; 2) Mata acara atau agenda rapat; 3) Mekanisme pengambilan keputusan terkait mata acara/agenda rapat; dan 4) Tata cara penggunaan hak pemegang saham untuk mengajukan pertanyaan dan/atau pendapat.
5. Rules of GMS a. Companies must formulate and prepare the rules of GMS which must be given to the shareholders present.
PIMPINAN RUPS a. RUPS dipimpin oleh anggota Dewan Komisaris yang ditunjuk oleh Dewan Komisaris. Dalam hal semua anggota Dewan Komisaris tidak hadir atau berhalangan hadir, RUPS dipimpin oleh salah seorang anggota Direksi yang ditunjuk oleh Direksi. b. Dalam hal semua anggota Dewan Komisaris atau anggota Direksi tidak hadir atau berhalangan hadir, RUPS dipimpin oleh pemegang saham yang hadir dalam RUPS yang ditunjuk dari dan oleh peserta RUPS.
THE CHAIRMAN OF THE GMS a. GMS is led by a member of the Board of Commissioners as appointed by the Board of Commissioners. In the event that all members of the Board of Commissioners are absent or unable to attend, the GMS is chaired by a director as appointed by the Board of Directors. b. In the event that all members of the Board of Commissioners or members of the Board of Directors are absent or unable to attend, GMS is led by the shareholder present in the GMS that is by the GMS participants.
PENGAMBILAN KEPUTUSAN DALAM RUPS a. Keputusan RUPS diambil berdasarkan musyawarah untuk mufakat. Dalam hal keputusan berdasarkan musyawarah untuk mufakat tidak tercapai, keputusan diambil
DECISION MAKING DURING GMS a. GMS decisions are taken based on consensus. In the event that no consensus is reached, decisions are taken based on by voting.
b. Points in the rules of GMS must be read aloud before the GMS begins. c. At the opening of the GMS, GMS chairman is obliged to provide explanations to shareholders which at a minimum include: 1) A brief on the general condition of the Company; 2) The agenda of the meeting; 3) The mechanism of decision-making related to the agenda; and, 4) Procedures for the use of the shareholders’ rights to ask questions and / or opinions.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II melalui pemungutan suara. b. Pengambilan keputusan melalui pemungutan suara wajib dilakukan dengan memperhatikan ketentuan kuorum kehadiran dan kuorum keputusan RUPS sebagaimana diatur dalam Anggaran Dasar Perusahaan. c. Dalam pemungutan suara, suara yang dikeluarkan oleh pemegang saham berlaku untuk seluruh saham yang dimilikinya dan pemegang saham tidak berhak memberikan kuasa kepada lebih dari seorang kuasa untuk sebagian dari jumlah saham yang dimilikinya dengan suara yang berbeda. d. Dalam pemungutan suara, anggota Dewan Komisaris, anggota Direksi, dan karyawan Perusahaan dilarang bertindak sebagai kuasa dari pemegang saham. e. Dalam hal terdapat keputusan RUPS terkait dengan pembagian dividen tunai, khusus bagi perusahaan terbuka wajib melaksanakan pembayaran dividen tunai kepada pemegang saham yang berhak paling lambat 30 (tiga puluh) hari setelah diumumkannya ringkasan risalah RUPS yang memutuskan pembagian dividen tunai. RISALAH RUPS DAN RINGKASAN RISALAH RUPS a. Setiap penyelenggaraan RUPS, risalah RUPS wajib dibuat dan ditandatangani oleh ketua rapat dan paling sedikit 1 (satu) orang pemegang saham yang ditunjuk dari dan oleh peserta RUPS. Tanda tangan sebagaimana dimaksud tidak disyaratkan apabila risalah RUPS tersebut dibuat dengan akta notaris. b. Bagi Perusahaan yang merupakan Perusahaan Terbuka, wajib mengikuti ketentuan sebagai berikut : 1) Perusahaan wajib membuat risalah RUPS
b. Decisions based on voting shall be conducted with due consideration of the attendance quorum and the voting quorum as stipulated in the Articles of Association of the Company. c. During voting, the vote cast by a shareholder applies to all of his/her shareholding and the shareholder is not entitled to authorize more than one attorney for a portion of his/her shareholding to represent a different vote. d. During voting, members of the Board of Commisioners, Board of Directors and Employees are prohibited to act as attorneys from shareholders. e. Where the GMS decision relates to cash dividends, specific for the public company cash dividends shall be paid to the shareholders who are entitled no later than 30 (thirty) days after the publication of a summary of the minutes of GMS regarding the decision to distribute cash dividends.
MINUTES OF THE GMS AND SUMMARY OF MINUTES OF GMS a. The minutes of the GMS shall be prepared for the conduct of each GMS and signed by the chairman of GMS and at least 1 (one) shareholder appointed by the GMS participants. The signatures are not required when the minutes of meeting are notarised. b. The Company, which is a Public Company shall comply with the following provisions: 1) The Company shall make the minutes of the GMS and summary of the
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Page | 49 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II dan ringkasan risalah RUPS. 2) Risalah RUPS dibuat dalam bentuk akta berita acara RUPS yang dibuat oleh Notaris. Risalah RUPS wajib disampaikan kepada OJK paling lambat 30 (tiga puluh) hari setelah RUPS diselenggarakan. 3) Ringkasan risalah RUPS wajib memuat informasi paling kurang: a) tanggal dan tempat pelaksanaan RUPS, waktu pelaksanaan RUPS, dan mata acara/agenda RUPS; b) anggota Direksi dan anggota Dewan Komisaris yang hadir pada saat RUPS; c) jumlah saham dengan hak suara yang sah yang hadir pada saat RUPS dan persentasenya dari jumlah seluruh saham yang mempunyai hak suara yang sah; d) ada tidaknya pemberian kesempatan kepada pemegang saham untuk mengajukan pertanyaan dan/atau memberikan pendapat terkait mata acara rapat; e) jumlah pemegang saham yang mengajukan pertanyaan dan/atau memberikan pendapat terkait mata acara rapat, jika pemegang saham diberi kesempatan; f)
mekanisme pengambilan keputusan RUPS; g) hasil pemungutan suara yang meliputi jumlah suara setuju, tidak setuju, dan abstain (tidak memberikan suara) untuk setiap mata acara rapat, jika pengambilan keputusan dilakukan dengan pemungutan suara; h) keputusan RUPS; dan i) pelaksanaan pembayaran dividen
minutes of the GMS. 2) Minutes of the GMS are made in the form of a notarial deed. The Minutes of the GMS must be submitted to the FSA no later than 30 (thirty) days after the GMS is held. 3) Summary minutes of the GMS shall contain at least the following information: a) the date and place GMS was held, time the GMS was conducted, and the agenda of the GMS; b) members of the Board of Directors and members of the Board of Commissioners who are present at the GMS; c) the number of shares with valid voting rights present at the GMS and the percentage of total shares with valid voting rights; d) whether or not opportunity was given to the shareholders to ask questions and / or provide opinions related to the agenda of the meeting; e) the number of shareholders who asked questions and / or provide opinions related to the agenda of the meeting, if shareholders are given the opportunity; f) GMS decision-making mechanism; g) the voting results which includes the number of agree, disagree, and abstain (not to vote) votes for each agenda item, if decision-making is done by voting;
h) the decision of the GMS; and i) If there is a GMS decision relating
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Page | 50 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II tunai kepada pemegang saham yang berhak, jika terdapat keputusan RUPS terkait dengan pembagian dividen tunai. 4) Ringkasan risalah RUPS wajib diumumkan paling lambat 2 (dua) hari kerja setelah RUPS diselenggarakan dan bukti pengumuman disampaikan kepada OJK paling lambat 2 (dua) hari kerja setelah diumumkan. Media pengumuman paling kurang melalui: a) 1 (satu) surat kabar harian berbahasa Indonesia yang berperedaran nasional; b) situs web Bursa Efek; dan c) situs web Perusahaan, dalam Bahasa Indonesia dan bahasa asing, dengan ketentuan bahasa asing yang digunakan paling kurang bahasa Inggris.
to the distribution of cash dividends, the payment of cash dividends to shareholders who are entitled. 4) A summary of the minutes of the GMS shall be announced no later than two (2) working days after the GMS and announcement evidence must be submitted to the FSA no later than two (2) working days after the announcement. Media announcement at a minimum is via: a) 1 (one) Indonesian language daily newspaper with national circulation; b) The Stock Exchange’s web site; and, c) The Company's website, in Indonesian and foreign languages, with the provision that the foreign language used is at least English.
PEMEGANG SAHAM
SHAREHOLDERS
Pemegang Saham adalah pemilik modal, oleh karenanya memiliki hak dan tanggung jawab sesuai dengan ketentuan anggaran dasar dan peraturan perundang‐undangan. Pemegang Saham wajib memperhatikan kelangsungan hidup perusahaan dalam melaksanakan hak dan tanggung jawabnya.
Shareholders are the owners of capital, and therefore have the rights and responsibilities in accordance with the company’s articles of association and laws and regulations. Shareholders should be aware to the company's continued existence in exercising their rights and responsibilities.
KEPEMILIKAN SAHAM a. Persyaratan kepemilikan saham dapat ditetapkan dalam anggaran dasar. b. Direksi Perusahaan wajib mengadakan dan menyimpan daftar pemegang saham. Direksi wajib pula mengadakan dan menyimpan daftar khusus mengenai saham anggota Direksi dan Dewan Komisaris beserta keluarganya. c. Pemegang saham diberi bukti pemilikan saham untuk saham yang dimilikinya,
OWNERSHIP OF SHARES a. Share ownership requirement may be specified in the Articles of Association. b. The Board of Directors of the Company shall maintain a list of shareholders. The Board of Directors shall also establish and keep a list of shares owned by the Board of Directors and the Board of Commissioners and their families. c. The shareholders are given evidences of share ownership where the types of proof
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II pengaturan bentuk bukti kepemilikan saham ditetapkan dalam anggaran dasar sesuai dengan kebutuhan. d. Anggaran dasar menetapkan 1 (satu) klasifikasi saham atau lebih. Setiap saham dalam klasifikasi yang sama memberikan kepada pemegangnya hak yang sama. e. Pemindahan hak atas saham diatur dalam anggaran dasar Perusahaan sesuai dengan ketentuan peraturan perundangundangan.
of shares ownership are as specified in the articles of association in accordance with the needs. d. The Articles of Association specify 1 (one) classification of shares or more. Each share within the same classification gives the holder the same rights. e. Transfer of shares is stipulated in the articles of association of the Company in accordance with the prevailing laws and regulations.
HAK-HAK DASAR PEMEGANG SAHAM Perusahaan wajib melindungi hak-hak pemegang saham dan menfasilitasi pelaksanaan hak-hak pemegang saham. Hak-hak dasar pemegang saham, antara lain: a. Menghadiri dan mengeluarkan suara dalam RUPS; b. Mendapatkan informasi yang relevan dan material tentang perusahaan secara tepat waktu dan teratur; c. Mendapatkan metode pendaftaran kepemilikan; d. Mengalihkan atau memindahkan saham; e. Mengangkat dan memberhentikan Direksi dan Dewan Komisaris; f. Mendapatkan bagian dalam keuntungan perusahaan; dan g. Menjalankan hak lainnya berdasarkan anggaran dasar dan peraturan perundangundang.
BASIC RIGHTS OF SHAREHOLDERS The company is obliged to protect the rights of shareholders and facilitate the implementation of the rights of shareholders. The fundamental rights of the shareholders, among others: a. Participating and voting in the GMS;
PERLAKUAN SETARA TERHADAP PEMEGANG SAHAM Perusahaan wajib memastikan perlakuan yang setara kepada pemegang saham, baik pemegang saham pengendali maupun pemegang saham non pengendali. Perlakuan yang setara sekurang-kurangnya diterapkan terhadap pemenuhan hak-hak dasar
EQUAL TREATMENT OF SHAREHOLDERS
b.
c. d. e. f. g.
Obtaining relevant and material information about the company in a timely and orderly manner; Obtaining methods of ownership registration; Assigning or transfering shares; Appointing and dismissing the Board of Directors and Board of Commissioners; Sharing in the corporate profits; and, Exercising other rights based on articles of association and prevailing laws and regulations.
The Company shall ensure equal treatment to shareholders, both controlling shareholders and non-controlling shareholders. Equal treatment is applied at least to the fulfillment of the basic rights of shareholders
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II pemegang saham dan dalam pengambilan keputusan harus mempertimbangkan dan tidak merugikan kepentingan pemegang saham non pengendali.
and in the decision-making, the interests of non-controlling shareholders must be taken into account and that the non-controlling shareholders are not placed at a disadvantage.
BATASAN BAGI PEMEGANG SAHAM a. Pemegang saham tidak diperkenankan intervensi dalam pelaksanaan operasional perusahaan serta direksi dan komisaris harus menolak intervensi tersebut. b. Pemegang saham pengendali dapat melakukan koordinasi dalam penyusunan strategi bisnis, corporate plan dan business plan. c. Pengawasan oleh pemegang saham pengendali hanya dapat dilakukan melalui rapat umum pemegang saham atau koordinasi secara kebijakan dan melakukan audit sesuai dengan ketentuan yang berlaku. d. Pemegang saham pengendali harus menghindari terjadinya benturan kepentingan. e. Pemegang saham pengendali dilarang menyalahgunakan dominasi kepemilikan saham atau pengendaliannya yang dapat mengakibatkan pelanggaran prinsip Tata kelola di perusahaan. f. Direksi dan komisaris harus menolak permintaan informasi mengenai perusahaan dari pemegang saham pengendali yang tidak sesuai dengan asas kewajaran dan kesetaraan. g. Pemegang saham dilarang memanfaatkan perusahaan untuk kepentingan pribadi, keluarga, perusahaan atau kelompok usahanya dengan semangat dan cara yang bertentangan dengan peraturan perundang-undangan dan kewajaran di bidang perbankan dan keuangan.
LIMITATIONS FOR SHAREHOLDERS a. Shareholders are not allowed to intervene in the company's operations and directors and commissioners must refuse the intervention. b. Controlling shareholders can coordinate the preparation of the business strategy, corporate plan and business plan. c. Supervision by the controlling shareholders can only be done through the general meeting of shareholders or through policy coordination and the conduct of audits in accordance with applicable regulations. d. The controlling shareholders must avoid conflicts of interests. e. Controlling shareholders are prohibited from abusing the dominance of ownership or control which may result in the violation of the principles of good corporate governance in the company. f. Directors and commissioners must refuse requests for information on the company by the controlling shareholders that are not in accordance with the principle of fairness and equality. g. Shareholders are prohibited from utilizing the company for personal gains, family, company or business group in a manner that is contrary to the laws and regulations and fairness in banking and finance.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II KEWAJIBAN PEMEGANG SAHAM PENGENDALI a. Memenuhi syarat dan lulus fit and proper test dari Otoritas Jasa Keuangan sesuai dengan ketentuan yang berlaku; b. Menggunakan haknya untuk memilih anggota Dewan Komisaris dan Direksi yang berintegritas tinggi dan mampu mengelola serta mengendalikan Perusahaan secara sehat; c. Memenuhi kebutuhan modal Perusahaan sesuai dengan ketentuan yang berlaku. Pemegang saham yang tidak mampu memenuhi kebutuhan permodalan harus bersedia untuk melepaskan hak dan/atau sahamnya kepada pihak yang mempunyai kemampuan dan/atau menyetujui perusahaan untuk digabungkan atau dileburkan dengan perusahaan lain.
OBLIGATIONS OF THE CONTROLLING SHAREHOLDERS a. Qualify and pass the Fit and Proper test of the Financial Services Authority in accordance with applicable regulations; b. Exercise its right to elect members of the Board of Commissioners and Directors of high integrity and capable of soundly managing and controlling the Company; c. Meeting the capital needs of the Company in accordance with applicable regulations. Shareholders, who are unable to meet the capital needs, must be willing to waive any rights or let go of his/her/its shares to parties who have the ability and or approved the company to be combined or merged with another company.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II DEWAN KOMISARIS DAN DIREKSI
BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS
HUBUNGAN KERJA DEWAN KOMISARIS DAN DIREKSI Hubungan kerja Dewan Komisaris dan Direksi adalah hubungan check and balances dan pemberian nasehat secara independen dengan prinsip bahwa kedua organ tersebut mempunyai kedudukan yang setara dan keduanya mempunyai tujuan akhir untuk kemajuan dan kesehatan Perusahaan. Oleh karena itu Dewan Komisaris dan Direksi harus memiliki kesamaan persepsi terhadap visi, misi dan nilai‐nilai perusahaan.
EMPLOYMENT RELATIONS OF THE BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS Working relationship between the Board of Commissioners and Board of Directors is that of checks and balances and the provision of independent advices based on the principle that the two organs are of equal footing and both have the ultimate goal of development and soundness of the Company. Therefore, the Board of Commissioners and the Board of Directors must have the same perception of the vision, mission and company values.
TANGGUNG JAWAB BERSAMA DEWAN KOMISARIS DAN DIREKSI 1. Menjaga kelangsungan usaha perusahaan dalam jangka panjang, berupa : a. Terlaksananya dengan baik sistem pengawasan internal, manajemen risiko dan kepatuhan; b. Tercapainya imbal hasil (return) yang optimal bagi pemegang saham; c. Terlindunginya kepentingan pemangku kepentingan secara wajar; d. Terlaksananya suksesi kepemimpinan secara wajar demi kesinambungan manajemen di semua lini organisasi; e. Terlaksananya penerapan GCG dengan sebaik‐baiknya. 2. Menyepakati secara bersama-sama sesuai visi dan misi perusahaan, hal-hal tersebut di bawah ini : a. Rencana jangka panjang, strategi, maupun rencana kerja dan anggaran tahunan; b. Kebijakan dalam memenuhi ketentuan anggaran dasar perusahaan dan peraturan perundang‐undangan serta
SHARED RESPONSIBILITY OF THE BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS 1. Ensuring the company is a going concern in the long term by: a. Implementing good internal control systems, risk management and compliance; b. Achieving an optimal yield (return) for shareholders; c. protecting the interests of stakeholders; d. Ensuring managment succession for the continuity of management at all levels of the organization; e. Implementing the Good Corporate Governance. 2. To agree on a collegial basis in accordance with the vision and mission of the Company, the following : a. Long-term plans, strategies and work plan and annual budget; b. Policies to meet the provisions of the Articles of Association and regulations as well as avoid any conflicts of
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II menghindari segala bentuk benturan kepentingan; c. Kebijakan dan metode penilaian kinerja perusahaan, unit‐unit dalam Perusahaan dan sumber daya manusia.
interests; c. Policy and corporate performance assessment methods, units within the Company and human resources.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Dewan Komisaris merupakan organ perusahaan yang bertugas dan bertanggungjawab secara kolektif untuk melakukan pengawasan dan memberikan nasihat kepada Direksi serta memastikan bahwa perusahaan melaksanakan prinsip-prinsip tata kelola perusahaan yang baik.
The Board of Commissioners (BOC) is a company organ collectively responsible for overseeing, advising the Board of Directors and ensuring that the company implements the principles of good corporate governance.
PERSYARATAN CALON ANGGOTA DEWAN KOMISARIS Calon anggota Dewan Komisaris merupakan orang perseorangan yang memenuhi persyaratan pada saat diangkat dan selama menjabat, sebagai berikut : 1. Cakap melakukan perbuatan hukum; 2. Memenuhi persyaratan integritas, kompetensi, dan reputasi keuangan, yaitu : a. Persyaratan Integritas memiliki akhlak dan moral yang baik, antara lain ditunjukkan dengan tidak pernah dihukum karena terbukti melakukan tindak pidana tertentu dalam waktu 20 tahun terakhir sebelum dicalonkan; memiliki komitmen untuk mematuhi peraturan perundangundangan yang berlaku; memiliki komitmen terhadap pengembangan operasional perusahaan; tidak tercantum dalam Daftar Tidak Lulus (DTL) di sektor jasa keuangan. b. Persyaratan Kompetensi Memiliki pengetahuan di bidang jasa keuangan yang memadai dan relevan dengan jabatannya; dan/atau Memiliki pengalaman di bidang jasa keuangan.
REQUIREMENTS FOR BOARD OF COMMISSIONERS CANDIDATES A prospective member of the Board of Commissioners is an individual who meet the requirements upon appointment and during his tenure, as follow: 1. Capable of legal actions; 2. Fulfill the requirements of integrity, competency, and financial reputation, namely: a. Integrity Requirements - Haa good character and morals, amongst others, indicated by never having been convicted of certain criminal offenses within the past 20 years prior to nomination; -
Committed to comply with the prevailing laws and regulation;
-
Committed to the development of the company's operations;
Not listed in the Register of Disqualified Persons (DTL) in the financial services sector. b. Competency Requirements - Has sound knowledge in the field of financial services and relevant to his/her position; and / or -
-
Have experience in the field of financial services.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II c.
3. 4.
5.
6.
Persyaratan Reputasi Keuangan tidak memiliki kredit macet; tidak pernah dinyatakan pailit dan tidak pernah menjadi pemegang saham, anggota Direksi, atau anggota Dewan Komisaris yang dinyatakan bersalah menyebabkan suatu perusahaan dinyatakan pailit berdasarkan putusan pengadilan dalam waktu 5 (lima) tahun terakhir sebelum pengangkatan atau penilaian kemampuan dan kepatutan dari OJK. Dinyatakan Lulus penilaian kemampuan dan kepatutan dari OJK; Tidak berasal dari pegawai atau pejabat aktif Otoritas Jasa Keuangan (OJK), dalam hal berasal dari mantan pegawai atau pejabat OJK maka yang bersangkutan telah berhenti bekerja paling kurang 6 (enam) bulan. Membuat surat pernyataan mengenai pemenuhan persyaratan integritas, kompetensi dan reputasi keuangan, serta menyampaikannya kepada perusahaan untuk diteliti dan didokumentasikan; Memiliki surat izin menetap dan surat izin bekerja dari instansi berwenang bagi anggota Dewan Komisaris berkewarganegaraan asing yang berdomisili di wilayah negara Republik Indonesia.
PERSYARATAN KOMISARIS INDEPENDEN Selain memenuhi persyaratan bagi calon anggota Dewan Komisaris diatas, calon Komisaris Independen wajib pula memenuhi persyaratan sebagai berikut: 1. Tidak memiliki hubungan hubungan kepengurusan,
keuangan, hubungan
c. Requirements Financial Reputation - Do not have bad credits; - Not been declared bankrupt and have never been a shareholder, member of the Board of Directors, or the Board of Commissioners found at fault for causing a company to be declared bankrupt by a court decision within 5 (five) years prior to the appointment or the fit and proper assessment of the FSA.
3. Declared having passed the fit and proper assessment of the FSA; 4. Is not a former employee or an active officer of the Financial Services Authority (FSA). In the case he/she is a former FSA employee or officer, he/she has stopped working for at least 6 (six) months. 5. Make a statement regarding the fulfillment of the requirements of integrity, competency and financial reputation, and submit it to the company and documented; 6. A Commissioner who is a foreign national residing in the territory of the Republic of Indonesia possesses stay and work permits from the relevant authorities.
REQUIREMENTS OF INDEPENDENT COMMISSIONERS In addition to meeting the requirements for candidates for the Board of Commissioners above, the Independent Commissioner candidate must also meet the following requirements: 1. Does not have a financial relationship, management relationship, stock ownership
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II
2. 3.
4.
5. 6.
kepemilikan saham, dan atau hubungan keluarga dengan anggota Dewan Komisaris lainnya, Direksi dan/atau pemegang saham pengendali atau hubungan dengan perusahaan, yang dapat mempengaruhi kemampuannya untuk bertindak independen; Tidak memiliki saham baik langsung maupun tidak langsung pada perusahaan tersebut; Tidak memiliki hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan usaha perusahan tersebut; Tidak pernah menjadi anggota Direksi, anggota Dewan Komisaris, anggota Dewan Pengawas Syariah atau menduduki jabatan 1 tingkat di bawah Direksi pada perusahaan yang sama atau perusahaan lain yang memiliki hubungan afiliasi dengan perusahaan tersebut dalam kurun waktu 2 tahun terakhir (cooling off period), kecuali ditentukan lain pada peraturan sesuai sektor jasa keuangan perusahaan; Berdomisili di Indonesia; Memiliki kewarganegaraan Indonesia, penerapan atas persyaratan ini dilakukan sesuai peraturan dan perundang-undangan yang berlaku.
PENGANGKATAN, PEMBERHENTIAN DAN/ATAU PENGGANTIAN ANGGOTA DEWAN KOMISARIS 1. Anggota Dewan Komisaris diangkat dan diberhentikan oleh Rapat Umum Pemegang Saham (RUPS) melalui proses yang transparan. 2. Setiap usulan pengangkatan dan penggantian anggota Dewan Komisaris harus memperhatikan rekomendasi Komite Nominasi dan/atau fungsi nominasi Dewan Komisaris.
relationships, or family relationships with members of the Board of Commissioners, Directors and / or controlling shareholders or a relationship with the company, which could affect his/her ability to act independently; 2. Does not own the company’s shares either directly or indirectly; 3. Does not have a business relationship, directly or indirectly related to the business activities of company; 4. was never a member of the Board of Directors, Board of Commissioners, members of the Sharia Supervisory Board or in a position one level below the Board of Directors in the same company or in another affiliated company within the last 2 years (cooling off period), unless otherwise mandated by the regulation specific to the financial services sector; 5. domiciled in Indonesia; 6. Of Indonesian citizenship and this requirement shall be in accordance with prevailing regulations and laws.
APPOINTMENT, REMOVAL AND / OR REPLACEMENT OF BOC 1. Members of the Board of Commissioners are appointed and dismissed by the General Meeting of Shareholders (GMS) through a transparent process. 2. Any proposed appointment and replacement of members of the BoC must take into consideration the recommendations of the Nomination Committee and/or the nomination function of the BoC.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 3.
Dalam hal anggota Komite Nominasi dan/atau fungsi nominasi memiliki benturan kepentingan (conflict of interest) dengan usulan yang direkomendasikan maka usulan tersebut wajib diungkapkan. Anggota Dewan Komisaris diangkat dengan periode masa jabatan 3 (tiga) tahun atau sesuai Anggaran Dasar paling lama 5 tahun dan dapat diangkat kembali. Bagi Komisaris Independen, masa jabatan maksimal 2 (dua) periode berturut-turut. Anggota Dewan Komisaris dapat mengundurkan diri dari jabatannya sebelum masa jabatannya berakhir. Permohonan pengunduran diri wajib disampaikan secara tertulis kepada perusahaan. Bagi Perusahaan yang merupakan Perusahaan Terbuka, Perusahaan wajib menyelenggarakan RUPS untuk memutuskan permohonan pengunduran diri anggota Dewan Komisaris paling lambat 90 (sembilan puluh) hari setelah diterimanya permohonan pengunduran diri tersebut dan melakukan keterbukaan informasi kepada masyarakat dan menyampaikan kepada OJK paling lambat 2 (dua) hari kerja setelah diterimanya permohonan pengunduran diri anggota Dewan Komisaris dan hasil penyelenggaraan RUPS. Pemberhentian anggota Dewan Komisaris dilakukan oleh RUPS berdasarkan alasan yang wajar dan setelah anggota Dewan Komisaris diberi kesempatan membela diri.
3. In the case of members of the Nomination Committee and/or nomination function has a conflict of interest (conflict of interest) with a proposal recommended the proposal shall be disclosed. 4. Members of the BoC are appointed for a term of 3 (three) years or according to the Articles of Association to the longest 5 (five) years and may be reappointed. For Independent Commissioners, term of office is a maximum of 2 (two) consecutive terms. 5. Members of the Board of Commissioners may resign from office before his term ends. The resignation shall be submitted in writing to the company.
STRUKTUR DEWAN KOMISARIS 1. Jumlah dan Komposisi Dewan Komisaris a. Jumlah anggota Dewan Komisaris wajib disesuaikan dengan kebutuhan dan kompleksitas perusahaan dengan tetap
STRUCTURE OF THE BOC 1. Number and Composition of the BoC a. The number of members of the Board of Commissioners shall be adjusted to the needs and complexity of the
4.
5.
6.
7.
6. For a company which is a public company, the Company shall hold the GMS to decide on the resignation of members of the Board of Commissioners no later than ninety (90) days after the receipt of the resignation and disclose information to the community and delivered to the FSA at least 2 (two) working days after the receipt of the resignation of members of the Board of Commissioners and the results of the implementation of the GMS.
7. Termination of members of the Board of Commissioners conducted by the GMS based on reasonable grounds and after BoC members are given the opportunity to defend themselves.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II
b.
c.
d.
e.
f.
memperhatikan efektivitas dalam pengambilan keputusan. Jumlah anggota Dewan Komisaris minimal 3 (tiga) orang dan paling banyak sama dengan jumlah anggota Direksi. 1 (satu) di antara anggota Dewan Komisaris diangkat menjadi Komisaris Utama. Mayoritas anggota Dewan Komisaris dilarang memiliki hubungan keluarga sampai tingkat kedua dengan sesama anggota Dewan Komisaris atau dengan anggota Direksi. Paling kurang 50% dari jumlah anggota Dewan Komisaris wajib berdomisili di Indonesia. Sekurangnya 50% dari anggota Dewan Komisaris harus warga negara Indonesia.
b.
c.
d.
e.
f.
company while maintaining effectiveness in decision making. The number of members of the BoC is at least 3 (three) and at most equal to the number of members of the BoD. 1 (one) of members of the Board of Commissioners is appointed as President Commissioner. Majority of members of the BoC are prohibited from having a family relationship to the second degree with fellow members of the BoC or to the members of the Board of Directors. At least 50% of the total number of Commissioners must be domiciled in Indonesia. At least 50% of members of the BoC must be Indonesian citizens.
2. Jumlah dan Komposisi Komisaris Independen a. Minimal jumlah Komisaris Independen adalah 30% dari jumlah anggota Dewan Komisaris. b. Seluruh Komisaris Independen wajib berdomisili di Indonesia.
2. Number and Composition of Independent Commissioners a. Minimum number of Independent Commissioners is 30% of the number of members of the BoC. b. All Independent Commissioner must be domiciled in Indonesia.
RANGKAP JABATAN ANGGOTA DEWAN KOMISARIS 1. Anggota Dewan Komisaris hanya dapat merangkap jabatan, sebagai: a. anggota Dewan Komisaris atau Direksi pada 1 (satu) lembaga/perusahaan bukan lembaga keuangan, atau; b. anggota Dewan Komisaris atau Direksi yang melaksanakan fungsi pengawasan pada 1 (satu) perusahaan anak bukan Bank yang dikendalikan oleh Perusahaan. Tidak termasuk rangkap jabatan apabila: - anggota Dewan Komisaris non
CONCURRENT POSITIONS MEMBER OF THE BOARD OF COMMISSIONERS 1. Members of the Board of Commissioners may have concurrent positions, as: a. member of the Board of Commissioners or Board of Directors in 1 (one) institution / company that is not a financial institution, or; b. member of the BoC or BoD that carry out oversight functions on one (1) nonbank subsidiaries controlled by the Company. Not regarded as concurrent postions if: - The non-independent member of the
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II Independen menjalankan tugas fungsional dari pemegang saham yang berbentuk badan hukum pada kelompok usahanya; dan/atau; - anggota Dewan Komisaris menduduki jabatan pada organisasi atau lembaga nirlaba, sepanjang yang bersangkutan tidak mengabaikan pelaksanaan tugas. 2. Anggota Dewan Komisaris hanya dapat merangkap sebagai anggota komite paling banyak 5 (lima) komite pada perusahaanperusahaan dimana yang bersangkutan menjabat. 3. Pembatasan rangkap jabatan pada point 1 (satu) dan 2 (dua) di atas dapat dikecualikan apabila ditentukan lain oleh peraturan pada sektor jasa keuangan perusahaan.
BoC carry out the functional duties from an entity shareholder in the business group; and / or; - The member of the Board of Commissioners sits in non-profit organizations or institutions, so long as the concerned does not neglect his/her tasks. 2. Members of the Board of Commissioners may serve as committee members at most in 5 (five) committees at companies in which he/she works in.
TUGAS DAN TANGGUNG JAWAB DEWAN KOMISARIS 1. Melakukan pengawasan terhadap terselenggaranya pelaksanaan Tata Kelola yang baik dalam setiap kegiatan usaha Perusahaan di semua tingkatan organisasi; 2. Melakukan pengawasan terhadap tugas dan tanggung jawab Direksi serta memberikan nasehat kepada Direksi; 3. Melakukan pengawasan terhadap tindak lanjut hasil audit dan rekomendasi dari Satuan Kerja Internal Audit (SKAI), Auditor Eksternal, hasil pengawasan Otoritas Jasa Keuangan dan/atau otoritas lainnya; 4. Mengkaji visi dan misi perusahaan secara berkala; 5. Mengarahkan, memantau, dan mengevaluasi pelaksanaan kebijakan strategis Perusahaan; 6. Mengawasi Direksi dalam menjaga keseimbangan kepentingan semua pihak; 7. Membentuk Komite-Komite atau menunjuk pihak untuk mendukung tugas dan
DUTIES AND RESPONSIBILITIES OF THE BOARD OF COMMISSIONERS 1. Monitor the implementation of good governance practices in the Company's operations at all levels of the organization;
3. Concurrent positions mentioned above may be excluded if governed otherwise by the regulations in the company's financial services sector.
2. Supervise the duties and responsibilities of the Board of Directors and provide advices to the Board of Directors; 3. Monitor the follow-up on audit results and recommendations of the Internal Audit Unit (SKAI), external auditor, the supervision of the Financial Services Authority and / or other authorities; 4. Assess the vision and mission of the company on a regular basis; 5. Direct, monitor, and evaluate the implementation of the strategic policies of the Company; 6. Supervising the Board of Directors in balancing the interests of all parties; 7. Establish Committees or designate parties to support the tasks and responsibilities of
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II
8. 9.
tanggung jawab Dewan Komisaris, serta melakukan evaluasi terhadap kinerja komite setiap akhir tahun; Menyelenggarakan rapat Dewan Komisaris; dan, Menyusun pedoman tata tertib kerja Dewan Komisaris yang paling kurang mencantumkan pengaturan etika kerja, waktu kerja dan pengaturan rapat.
TUGAS UTAMA KOMISARIS UTAMA Melakukan fungsi koordinasi terhadap pelaksanaan tugas dan tanggungjawab Dewan Komisaris, antara lain: 1. 2.
3.
Menerima laporan-laporan dari KomiteKomite di bawah Dewan Komisaris; Mengundang anggota Dewan Komisaris untuk menghadiri rapat Dewan Komisaris; Menerima kuasa dari Rapat Umum Pemegang Saham untuk mendistribusikan tantiem kepada anggota Dewan Komisaris;
TUGAS UTAMA KOMISARIS INDEPENDEN 1.
2.
Melakukan fungsi pengawasan untuk menyuarakan kepentingan pemegang saham minoritas dan pemangku kepentingan lainnya; Melaporkan kepada OJK paling lambat 7 (tujuh) hari kerja dan/atau paling lambat 10 (sepuluh) hari kalender (mana yang lebih dulu) sejak ditemukannya: a. pelanggaran peraturan perundangundangan dibidang keuangan dan perbankan; dan/atau b. keadaan atau perkiraan keadaan yang dapat membahayakan kelangsungan
the Board of Commissioners, as well as evaluate the performances of the committees at each year end; 8. Conduct meetings of the Board of Commissioners; and, 9. Prepare the Board of Commissioners’ charter at a minimum detailing work ethics, working time and meeting arrangements.
MAIN RESPONSIBILITIES OF THE PRESIDENT COMMISSIONER Carrying out the coordination of the implementation of the duties and responsibilities of the BoC which among others include: 1. Receiving the reports of Committees under the Board of Commissioners; 2. Inviting members of the Board of Commissioners to attend meetings of the Board of Commissioners; 3. Receiving authorities from the General Meeting of Shareholders to distribute bonuses to members of the Board of Commissioners; MAIN RESPONSIBILITIES OF INDEPENDENT COMMISSIONER 1. Perform a supervisory function to voice the interests of minority shareholders and other stakeholders; 2. Report to the FSA no later than seven (7) working days and / or no later than ten (10) calendar days (whichever comes first) since the discovery of: a. a violation of laws and regulations in the field of finance and banking; and / or, b. a circumstance or an expected situation that could endanger the continuity of operations of the
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II usaha Perusahaan. KEWENANGAN DEWAN KOMISARIS 1. Mengakses dokumen, data, dan informasi tentang karyawan, dana, aset dan sumber daya yang dianggap perlu; 2. Berkomunikasi secara langsung dengan karyawan, Direksi dan pihak-pihak lain; 3. Melibatkan pihak independen di luar anggota Dewan Komisaris (apabila diperlukan) untuk membantu pelaksanaan tugasnya; 4. Menjalankan kewenangan lainnya yang diberikan oleh Anggaran Dasar Perusahaan dan peraturan perundang-undangan yang berlaku. ETIKA KERJA ANGGOTA DEWAN KOMISARIS 1. Anggota Dewan Komisaris dilarang memanfaatkan Perusahaan untuk kepentingan pribadi mereka masing-masing, keluarga, dan/atau pihak lain yang dapat merugikan atau mengurangi keuntungan Perusahaan; 2. Anggota Dewan Komisaris dilarang mengambil dan/atau menerima keuntungan pribadi dari Perusahaan selain remunerasi dan fasilitas lainnya yang ditetapkan dalam Rapat Umum Pemegang Saham; 3. Anggota Dewan Komisaris dilarang melakukan transaksi yang mempunyai benturan kepentingan dengan kegiatan perusahaan; 4. Dalam melakukan pengawasan, Dewan Komisaris dilarang ikut campur dalam pengambilan keputusan sehubungan dengan pengoperasian Perusahaan, kecuali untuk: - penyediaan dana kepada pihak-pihak terkait sebagaimana ditetapkan dalam
Company. THE AUTHORITY OF THE BOARD OF COMMISSIONERS 1. Access documents, data, and information about employees, funds, assets and resources as deemed necessary; 2. Communicate directly with employees, Directors and others; 3. Involve independent parties outside the members of the Board of Commissioners (if required) to assist the carrying out of its duties; 4. Carry out other authorities as granted by the Company’s Articles of Association and the prevailing laws and regulations.
MEMBERS OF THE BOARD OF COMMISSIONERS WORK ETHICS 1. Members of the BoC are prohibited from utilizing the Company for their personal benefits, family, and / or other parties that may put the Comnpany at a disadvantage or reduce the profits of the Company; 2. Members of the BoC are prohibited from taking and / or receiving personal benefits from the Company other than remuneration and other facilities as stipulated in the GMS; 3. Members of the Board of Commissioners are prohibited from conducting transactions which conflict in interests with the company's activities; 4. In conducting supervision, the Board of Commissioners are prohibited from interfering in the decision-making with respect to the operations of the Company, except for: - Provision of funds to related parties as
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II peraturan yang berlaku; hal-hal lain yang ditetapkan dalam Anggaran Dasar Perusahaan atau peraturan yang berlaku. Pengambilan keputusan oleh Dewan Komisaris sebagaimana disebutkan di atas merupakan bagian dari tugas pengawasan oleh Komisaris sehingga tidak menghapuskan tanggungjawab Direksi dari pelaksanaan manajemen Perusahaan. -
PENYELENGGARAAN RAPAT 1. Rapat-rapat Dewan Komisaris diselenggarakan sesuai kebutuhan Perusahaan, paling kurang 1 (satu) kali dalam 2 bulan. 2. Dewan Komisaris wajib mengadakan rapat bersama Direksi secara berkala paling kurang 1 (satu) kali dalam 4 (empat) bulan. 3. Rapat Dewan Komisaris dapat diselenggarakan (kuorum rapat) apabila dihadiri sekurangnya 2/3 dari seluruh anggota Dewan Komisaris. 4. Rapat-rapat Dewan Komisaris harus dihadiri oleh semua anggota Dewan Komisaris sedikitnya 2 (dua) kali setahun. Dalam hal anggota Dewan Komisaris tidak dapat menghadiri rapat secara fisik, maka dapat menghadiri rapat melalui teknologi telekonferensi. 5. Anggota Dewan Komisaris wajib menghadiri rapat Dewan komisaris sekurang-kurangnya 75% dari total rapat Dewan Komisaris dalam setahun. 6. Undangan dan materi rapat yang telah dijadwalkan disampaikan kepada peserta rapat paling lambat 5 (lima) hari sebelum rapat diselenggarakan. 7. Pengambilan keputusan dalam rapat-rapat Dewan Komisaris harus dilaksanakan secara musyawarah. Apabila pengambilan
-
defined in applicable regulations; Other matters specified in the Articles of Association or regulations.
Decision-making by the Board of Commissioners as mentioned above is part of the supervisory tasks of the Commissioners and as such does not eliminate the responsibility of the Board of Directors from managingn the Company. MEETINGS ARRANGEMENTS 1. Meetings of the Board of Commissioners of the Company are held as needed, at a minimum once every 2 months. 2. The BoC shall hold a joint meeting with the Board of Directors on a regular basis at least once in 4 (four) months. 3. The Board of Commissioners meeting may be held upon a meeting quorum of at least 2/3 of the members of the Board of Commissioners. 4. Meetings of the Board of Commissioners should be attended by all members of the Board of Commissioners at least twice a year. In the case members of the Board of Commissioners cannot physically attend a meeting, he/she can attend the meeting via teleconferencing technology.. 5. Members of the Board of Commissioners shall attend at least 75% of the meetings of the Board of Commissioners in a year. 6. The invitation and the meeting materials which have been scheduled must be submitted at the latest five (5) days before the meeting is held. 7. Decision-making in meetings of the Board of Commissioners is by consensus. In the event consensus is not reached, decisions
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II
8.
9.
10.
11.
12.
keputusan secara musyawarah tidak tercapai, maka keputusan diambil berdasarkan suara terbanyak yaitu 2/3 anggota Dewan Komisaris yang hadir dan didasarkan pada prinsip 1 (satu) orang 1 (sata) suara. Dewan Komisaris dapat mengambil keputusan yang sah dan mengikat tanpa menyelenggarakan rapat Dewan Komisaris dengan syarat bahwa semua anggota Dewan Komisaris menyetujui keputusan secara tertulis. Semua keputusan Dewan Komisaris harus mengikat atas semua anggota Dewan Komisaris. Keputusan rapat Dewan Komisaris harus dicatat dalam risalah rapat, ditandatangani oleh seluruh anggota Dewan Komisaris yang hadir, dan disampaikan kepada seluruh anggota Dewan Komisaris, serta didokumentasikan dengan baik. Perbedaan pendapat (dissenting opinions) yang terjadi dalam rapat Dewan Komisaris wajib dicantumkan secara jelas dalam risalah rapat disertai alasan perbedaannya. Jumlah rapat dan jumlah kehadiran masingmasing anggota Dewan Komisaris harus dimuat dalam laporan penerapan Tata Kelola Perusahaan.
PENILAIAN KINERJA DAN PENETAPAN REMUNERASI DEWAN KOMISARIS 1. Penilaian Kinerja Dewan Komisaris a. Penilaian kinerja Dewan Komisaris dapat dilaksanakan berdasarkan sistem self assessment, peer evaluation, atau dengan sistem lain yang ditetapkan dalam rapat Dewan Komisaris. b. Hasil penilaian kinerja Dewan Komisaris dilaporkan dalam RUPS.
are taken by majority votes; that is 2/3 of members of the Board of Commissioners present and based on the principle of 1 (one) person 1 (one) vote.
8. The Board of Commissioners may adopt legal and binding decisions without conducting board meetings on condition that all members of the Board of Commissioners approved the decision in writing. 9. All decisions of the Board of Commissioners shall be binding upon all members of the Board of Commissioners. 10. Decisions of the BoC meetings must be recorded in the minutes of the meetings, signed by all members of the BoC present, and submitted to all members of the BoC, and must be well documented. 11. Dissenting opinions that occur in the meetings of the Board of Commissioners shall be clearly stated in the minutes of the meeting along with the reasons for dissent. 12. The number of meetings and attendance of each member of the BoC must be stated in the report of the implementation of Corporate Governance. PERFORMANCE ASSESSMENT AND DETERMINATION OF REMUNERATION OF THE BOARD OF COMMISSIONERS 1. Performance Assessment BoC a. BoC performance assessment can be carried out based on a system of selfassessment, peer evaluation, or based on other systems specified in the meeting of the Board of Commissioners. b. BoC performance evaluation results are
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II reported in the GMS. 2. Penetapan Remunerasi Dewan Komisaris a. Komite Remunerasi dan/atau fungsi remunerasi melakukan pengkajian dan merumuskan remunerasi bagi Dewan Komisaris; b. Penetapan remunerasi didasarkan antara lain atas kinerja keuangan, peer group dan strategi usaha jangka panjang perusahaan; c. Dewan Komisaris (melalui Komite Nominasi dan Remunerasi) mengajukan usulan remunerasi bagi anggota Dewan Komisaris untuk selanjutnya diputuskan dalam rapat Dewan Komisaris untuk disampaikan kepada RUPS.
2. Determination of remuneration of the BoC a. Remuneration Committee and / or the remuneration function reviews and formulates the remuneration for the BoC; b. Remuneration determination is based on financial performance, peer group and the company's long-term business strategies; c. The BoC, through the Nomination and Remuneration Committee, proposes the remuneration for the members of the BoC for further decision by the General Meeting of Shareholders.
PENGUNGKAPAN DAN TRANSPARANSI DEWAN KOMISARIS Dewan Komisaris wajib mengungkapkan dalam laporan pelaksanaan Tata Kelola Perusahaan, paling kurang: 1. Kepemilikan saham anggota Dewan Komisaris yang mencapai 5% atau lebih, baik dalam perusahaan maupun pada perusahaan lain, yang berdomisili di Indonesia dan di luar negeri; 2. Hubungan finansial dan kekeluargaan anggota Dewan Komisaris dengan para anggota lainnya dari Dewan Komisaris, para anggota Direksi, dan/atau para pemegang saham pengendali; 3. Remunerasi dan fasilitas yang diterima dari perusahaan; 4. Jabatan anggota Dewan Komisaris di perusahaan lain.
DISCLOSURE AND TRANSPARENCY BOARD OF COMMISSIONERS The Board of Commissioners must disclose in the Company's GCG implementation report, at a minimum: 1. Share ownership of 5% or more for each member of BoC, both in the company as well as in other companies that are domiciled in Indonesia and abroad; 2. The financial and family relationships of each member of BoC with other members of the BoC, members of the Board of Directors, and / or controlling shareholders; 3. Remuneration and facilities received from the company; 4. Positions of BoC members at other companies.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II DIREKSI
BOARD OF DIRECTORS
Direksi adalah organ perusahaan yang berwenang dan bertanggung jawab penuh atas pengurusan Perusahaan, untuk kepentingan Perusahaan, sesuai dengan maksud dan tujuan Perusahaan serta mewakili Perusahaan, baik di luar maupun di dalam pengadilan sesuai dengan ketentuan Anggaran Dasar Perusahaan.
The Board of Directors (BoD) is an organ of Company which is authorized and fully responsible for the management of the Company for the benefit of the Company, in accordance with the intent and purpose of the Company as well as representing the Company, in and out of courts in accordance with the provisions of the Company’s Articles of Association.
PERSYARATAN CALON ANGGOTA DIREKSI
REQUIREMENTS OF CANDIDATES FOR DIRECTORS A member of the Board of Directors is an individual who is legally competent and meets the following requirements upon appointment and during his/her tenure: 1. Fulfilling the requirements of integrity, competency and financial reputation, at a minimum including: a. Integrity Requirements - Has a good character and morals amongst others indicated by never having been convicted of certain criminal offenses within the past 20 years prior to nomination; - Has a commitment to comply with the prevailing laws and regulations; - Has a commitment to the development of the company's operations; - Is not listed in the Register of Disqualified Persons (DTL) in the financial services sector.
Anggota Direksi merupakan orang perseorangan yang cakap melakukan perbuatan hukum dan harus memenuhi persyaratan pada saat diangkat dan selama menjabat, sebagai berikut: 1. Memenuhi persyaratan integritas, kompetensi dan reputasi keuangan, paling kurang mencakup: a. Persyaratan Integritas memiliki akhlak dan moral yang baik, antara lain ditunjukkan dengan tidak pernah dihukum karena terbukti melakukan tindak pidana tertentu dalam waktu 20 tahun terakhir sebelum dicalonkan; memiliki komitmen untuk mematuhi peraturan perundangundangan yang berlaku; memiliki komitmen terhadap pengembangan operasional perusahaan; tidak tercantum dalam Daftar Tidak Lulus (DTL) di sektor jasa keuangan. b. Persyaratan Kompetensi Memiliki pengetahuan di bidang jasa keuangan yang memadai dan
b. Competency Requirements - Has sound knowledge in the financial services sectors and
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II relevan dengan jabatannya; Memiliki pengalaman dan keahlian di bidang jasa keuangan. Memiliki kemampuan untuk melakukan pengelolaan strategis dalam rangka pengembangan perusahaan yang sehat. c. Persyaratan Reputasi Keuangan tidak memiliki kredit macet; tidak pernah dinyatakan pailit dan tidak pernah menjadi pemegang saham, anggota Direksi, atau anggota Dewan Komisaris yang dinyatakan bersalah menyebabkan suatu perusahaan dinyatakan pailit berdasarkan putusan pengadilan dalam waktu 5 (lima) tahun terakhir sebelum pengangkatan atau penilaian kemampuan dan kepatutan dari OJK. Lulus Fit and Proper Test sesuai dengan peraturan Otoritas Jasa Keuangan; Tidak berasal dari pegawai atau pejabat aktif Otoritas Jasa Keuangan (OJK), dalam hal berasal dari mantan pegawai atau pejabat OJK maka yang bersangkutan telah berhenti bekerja paling kurang 6 (enam) bulan. Memiliki pengetahuan mengenai Indonesia, terutama mengenai ekonomi, budaya dan bahasa Indonesia Membuat surat pernyataan mengenai pemenuhan persyaratan integritas, kompetensi dan reputasi keuangan, serta menyampaikannya kepada perusahaan untuk diteliti dan didokumentasikan; Memiliki surat izin menetap dan surat izin bekerja dari instansi berwenang bagi anggota Direksi berkewarganegaraan asing yang berdomisili di wilayah negara Republik -
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relevant to his/her position; Has experiences and expertise in the financial services sectors; Has the strategic management ability to develop a sound company.
c. Financial Reputation Requirements - Has no bad credit; - Has never been declared bankrupt and has never been a shareholder, member of the Board of Directors, or the Board of Commissioners found at fault for causing a company to be declared bankrupt by a court decision within 5 (five) years prior to the appointment or the fit and proper assessment of Financial Services Authority (FSA).
2. Passes the Fit and Proper Test in accordance with the regulations of FSA; 3. Is not a previous employee or active officer of FSA. In the case he/she is a former FSA employee or officer, he/she has stopped working for at least 6 (six) months.
4. Has knowledge about Indonesia, especially about the economy, culture and the Indonesian language. 5. Makes a statement regarding the fulfillment of the requirements of integrity, competency and financial reputation, and submit it to the company and documented. 6. A director who is a foreign national residing in the territory of the Republic of Indonesia must possess a stay and work permit from the relevant authorities.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II Indonesia. PERSYARATAN DIREKTUR INDEPENDEN Perusahaan yang merupakan Perusahaan Terbuka wajib mengangkat Direktur Independen. Selain memenuhi persyaratan bagi calon anggota Direksi diatas, Direktur Independen wajib pula memenuhi persyaratan sebagai berikut: 1. Tidak mempunyai hubungan afiliasi dengan pengendali Perusahaan, setidaknya selama 6 (enam) bulan sebelum penunjukan sebagai Direktur Independen; 2. Tidak mempunyai hubungan afiliasi dengan Komisaris atau Direksi Perusahaan; 3. Tidak bekerja rangkap sebagai anggota Direksi Perusahaan lain; 4. Tidak menjadi orang dalam pada lembaga atau profesi penunjang pasar modal yang jasanya digunakan oleh Perusahaan selama 6 (enam) bulan sebelum penunjukan; 5. Ditunjuk oleh Dewan Komisaris. PENGANGKATAN, PEMBERHENTIAN DAN/ATAU PENGGANTIAN DIREKSI 1. Anggota Direksi diangkat dan diberhentikan oleh Rapat Umum Pemegang Saham (RUPS) melalui proses yang transparan. 2.
Setiap usulan pengangkatan dan penggantian anggota Direksi harus memperhatikan rekomendasi Komite Nominasi atau komite yang menjalankan fungsi nominasi.
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Dalam hal anggota Komite Nominasi atau komite yang menjalankan fungsi nominasi memiliki benturan kepentingan (conflict of interest) dengan usulan yang direkomendasikan maka usulan tersebut
REQUIREMENTS OF INDEPENDENT DIRECTOR A company which is a Public Company shall appoint an Independent Director. In addition to meeting the requirements for the Board of Directors above, the Independent Director must also meet the following requirements: 1. Not affiliated with the controller of the company, at least six (6) months prior to the appointment as Independent Director; 2. Not affiliated with the Board of Commissioners or the Board of Directors of the Company; 3. Does not have a conccurent position as a member of the Board of Directors in other companies; 4. Is not a person in the institution or the capital markets supporting profession whose services are used by the Company during the six (6) months prior to the appointment; 5. Appointed by the Board of Commissioners. APPOINTMENT, REMOVAL AND/OR REPLACEMENT 1. Member of the Board of Directors are appointed and dismissed by the General Meeting of Shareholders (GMS) thourgh a transparent process. 2. Any proposed appointments and replacements of member of the Board of Directors shall take into consideration the recommendations of the Nomination Committee or committee performing the nomination function. 3. In the case a member of the Nomination Committee or the committee performing the nomination function has a conflict of interests with a recommended proposal, the proposal must be disclosed.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 4.
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wajib diungkapkan. 1 (satu) periode masa jabatan anggota Direksi adalah 3 (tiga) tahun atau sesuai Anggaran Dasar paling lama 5 tahun dan dapat diangkat kembali. Bagi Direktur Independen paling banyak 2 (dua) periode berturut-turut. Anggota Direksi dapat mengundurkan diri dari jabatannya sebelum masa jabatannya berakhir. Permohonan pengunduran diri wajib disampaikan secara tertulis kepada perusahaan. Bagi Perusahaan yang merupakan Perusahaan Terbuka, Perusahaan wajib menyelenggarakan RUPS untuk memutuskan permohonan pengunduran diri anggota Direksi paling lambat 90 (sembilan puluh) hari setelah diterimanya permohonan pengunduran diri tersebut dan melakukan keterbukaan informasi kepada masyarakat dan menyampaikan kepada OJK paling lambat 2 (dua) hari kerja setelah diterimanya permohonan pengunduran diri anggota Direksi dan hasil penyelenggaraan RUPS. Pemberhentian anggota Direksi dilakukan oleh RUPS berdasarkan alasan yang wajar dan setelah anggota Direksi dimaksud diberi kesempatan membela diri.
STRUKTUR DIREKSI Jumlah dan Komposisi Direksi a. Perusahaan sedikitnya memiliki 3 (tiga) anggota Direksi termasuk Presiden Direktur. Bagi Perusahaan yang merupakan Perusahaan Terbuka maka salah satu Direksi wajib merupakan Direktur Independen. b. Presiden Direktur harus berasal dari pihakpihak yang independen dari (para) pemegang saham pengendali. c. Semua anggota Direksi harus berdomisili di
4. A tern of office of a member of the Board of Directors is three (3) years or according to the Articles of Association, a maximum of 5 (five) years and may be reappointed. For Independent Directors, tenure is at most 2 (two) consecutive terms. 5. Member of the Board of Directors may resign from his/her position before the end of his/her term. The resignation shall be submitted in writing to the company. 6. For Public Company, the Compay shall hold the GMS to decide on the resignation of member of the Board of Directors no later than 90 (ninety) days after the receipt of the resignation, disclose information to public and notify the FSA at the latest 2 (two) working days after the receipt of the resignation of member of the Board of Directors and the result of GMS.
7. Members of the Board of Directors are removed by the GMS based on reasonable grounds and after he/she is given the opportunity to defend himself/herself. BOARD OF DIRECTORS STRUCTURE Number and Composition of the BoD a. The Compay must at least have 3 (three) members of the Board of Directors including the President Director. For a Public Company, one of the Board of Directors is the Independent Director. b. The President Director shall be a person independent of the controlling shareholders. c. All members of the Board of Directors shall
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II Indonesia. d. Mayoritas anggota Direksi harus sedikitnya memiliki pengalaman 5 (lima) tahun di bidang operasional sebagai Eksekutif suatu Perusahaan. e. Mayoritas anggota Direksi wajib berkewarganegaraan Indonesia.
be domiciled in Indonesia. d. Majority of member of the Board of Directors shall have 5 (five) years experiences in operational field as an executive officer in a company. e. Majority of the members of the Board of Directors must be Indonesian citizens.
RANGKAP JABATAN a. Anggota Direksi dilarang merangkap jabatan sebagai anggota Dewan Komisaris, Direksi atau Eksekutif bank, perusahaan dan/atau lembaga lain. b. Tidak termasuk rangkap jabatan sebagaimana dimaksud di atas apabila Direksi yang bertanggungjawab terhadap pengawasan atas penyertaan pada perusahaan anak, menjalankan tugas fungsional menjadi anggota Dewan Komisaris pada perusahaan anak bukan bank yang dikendalikan, sepanjang perangkapan jabatan tersebut tidak mengakibatkan yang bersangkutan mengabaikan pelaksanaan tugas dan tanggungjawab sebagai anggota Direksi. c. Anggota Direksi hanya dapat merangkap sebagai anggota komite paling banyak 5 (lima) komite pada perusahaan dimana yang bersangkutan menjabat. d. Pembatasan rangkap jabatan point a, b dan c di atas dapat dikecualikan apabila ditentukan lain oleh peraturan pada sektor jasa keuangan perusahaan.
CONCURRENT POSITION a. Members of the BoD are prohibited from concurrently holding other positions as member of the BoC, the BoD or as Executive Officers of Bank, company and/or other institution. b. It is not considered as concurrent position mentioned above if the member of Board of Directors is responsible for the supervision or investments in subsidiaries, conduct of functional duties as a member of the Board of Commissioners at a nonbank subsidiary controlled by the Bank, so long as the concurrent position does not result in the individual neglecting his/her duties and responsibilities as a member of the Board of Directors. c. Members of the Board of Directors may serve as committee members in at most 5 (five) committees at company in which he/she holds office. d. Restrictions on concurrent positions above in point a, b and c may be excluded if determined otherwise by the regulations in the company's financial services sector.
TUGAS DAN TANGGUNG JAWAB DIREKSI 1. Direksi bertanggungjawab penuh atas pelaksanaan pengelolaan Perusahaan. 2. Direksi harus mengelola Perusahaan sesuai dengan kewenangan dan tanggungjawabnya sebagaimana ditetapkan dalam Anggaran Dasar dan peraturan yang berlaku.
ROLES AND RESPONSIBILITIES OF THE BOD 1. The Board of Directors is fully responsible for the managing the Company. 2. The BoD shall manage the Company in accordance with their authorities and responsibilities as stipulated in the Articles of Association and the prevailing laws and
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 3. Direksi harus melaksanakan prinsip-prinsip Tata Kelola Perusahaan dalam setiap kegiatan usaha Perusahaan pada seluruh tingkatan atau jenjang organisasi. 4. Direksi harus menindaklanjuti temuan audit dan rekomendasi dari satuan kerja audit intern, auditor eksternal, hasil pengawasan Otoritas Jasa Keuangan dan/atau hasil pengawasan otoritas lain. 5. Direksi wajib mempertanggungjawabkan pelaksanaan tugasnya kepada pemegang saham melalui Rapat Umum Pemegang Saham. 6. Direksi wajib menjalankan program-program tanggung jawab sosial perusahaan. 7. Direksi harus menyediakan data dan informasi yang akurat dan relevan pada waktunya kepada Dewan Komisaris dan Dewan Pengawas Syariah.
regulations. 3. The BoD shall implement the principles of Corporate Governance in the Company’s business activities at all levels of the organization. 4. The BoD shall follow up the audit findings and recommendations of the Internal Audit Unit, external auditors, the supervisory results of FSA and/or the results of other supervisory authorities. 5. The Board of Directors shall account for their responsibilities to the shareholders through the General Meeting of Shareholders. 6. The Board of Directors shall implement the corporate social responsibilities programs. 7. The Board of Directors shall provide accurate, relevant and timely data and information to the Board of Commissioners and Syariah Supervisory Board.
PEMBENTUKAN SATUAN KERJA DAN KOMITEKOMITE 1. Dalam rangka melaksanakan prinsip-prinsip Tata Kelola Perusahaan, Direksi wajib membentuk: - Satuan Kerja Audit Internal; - Satuan Kerja Manajemen Risiko dan Komite Manajemen Risiko dan/atau fungsi manajemen risiko; - Satuan Kerja Kepatuhan dan/atau Fungsi Kepatuhan. 2. Dalam rangka menunjang efektivitas pelaksanaan tugas dan tanggung jawabnya, Direksi dapat membentuk satuan kerja dan komite-komite di bawah Direksi sesuai kebutuhan Perusahaan dan peraturan pada sektor jasa keuangan perusahaan. 3. Direksi wajib memastikan bahwa satuansatuan kerja dan komite yang telah dibentuk menjalankan tugasnya secara efektif.
ESTABLISHMENT OF WORKING UNITS AND COMMITTEES 1. In carrying out the principles of corporate Governance, the BoDs shall establish: - An Internal Audit Unit; - Risk Management Unit and Risk Management Committee and/or risk management function; - Compliance Unit and/or Compliance Function. 2. To support the effectiveness of their duties and responsibilities, the Board of Directors may establish working units and committees under the Board of Directors in accordance with the Company’s needs and the prevailing regulation in the financial services sectors. 3. The Board of Directors shall ensure that the established working units and committees conduct their duties effectively.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 4. Komite-komite yang dibentuk oleh Direksi wajib menyusun Pedoman dan Tata Tertib Kerja Komite, yang paling kurang mencantumkan: a. Struktur keanggotaan b. Tugas dan tanggung jawab c. Pengaturan Rapat
4. The committees established by the Board of Directors shall prepare charters of the committees which at a minimum consist of: a. Membership structure b. Roles and responsibilities c. Meeting arrangements.
ETIKA KERJA ANGGOTA DIREKSI 1. Anggota Direksi baik bersama maupun sendiri-sendiri, dilarang memiliki saham melebihi 25% (duapuluh lima persen) dari modal disetor Perusahaan dan/atau perusahaan lain. 2. Anggota Direksi dilarang memanfaatkan Perusahaan untuk kepentingan pribadi mereka masing-masing, keluarga, dan/atau pihak lain yang dapat merugikan atau mengurangi keuntungan Perusahaan. 3. Anggota Direksi dilarang mengambil dan/atau menerima keuntungan pribadi dari Perusahaan selain remunerasi dan fasilitas lainnya yang ditetapkan dalam Rapat Umum Pemegang Saham. 4. Anggota Direksi dilarang memberikan kuasa umum kepada pihak lain yang mengakibatkan pengalihan tugas dan fungsi Direksi. 5. Anggota Direksi dilarang mempekerjakan penasehat pribadi dan/atau layanan profesional sebagai konsultan, kecuali ketentuan berikut ini dipenuhi: - proyek khusus; - melalui kontrak yang jelas dan ringkas, yang mencakup sedikitnya lingkup kerjanya, tanggungjawab dan jangka waktu maupun biayanya; - para konsultan adalah pihak-pihak independen yang berkualifikasi untuk melaksanakan proyek-proyek yang bersifat khusus.
ETHICS OF THE BOARD OF DIRECTORS 1. Member of the Board of Directors both individually or jointly is prohibited from owning shares of more than 25% (twenty five percents) from the paid up capital of the Company and/or other companies. 2. Member of the BoD is prohibited from using the Company for personal interests, family, and/or other party’s interests which may put the company at a disadvantage or decrease the profits of the Company. 3. Member of the BoD is prohibited from taking and/or receiving personal benefits from the Company other than remuneration and other facilities as stipulated in the GMS. 4. Member of the BoD is prohibited from extending a general power of attorney to other parties which will result in transfer of the duties and functions of the BoD. 5. Member of the BoD is prohibited from engaging a personal advisor and/or consultant professional services unless the following requirements are met: - projects with special characteristics; - based on a clear contract covering at least scope of work, responsibilities, work period and fees involved; - the consultants shall be an independent party having a qualification to conduct projects with special characteristics.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 6. Anggota Direksi dilarang membuat pernyataan tidak benar mengenai fakta yang material atau tidak mengungkapkan fakta yang material agar pernyataan yang dibuat tidak menyesatkan mengenai keadaan perusahaan. 7. Anggota Direksi wajib tunduk pada kode etik, peraturan perundang-undangan dan kebijakan internal perusahaan.
6. Member of the Board of Directors is prohibited from making incorrect statement regarding the material facts on the state of the company so that the statement made is not misleading.
KEWENANGAN DIREKSI 1. Mewakili Perusahaan di dalam maupun di luar Pengadilan tentang segala hal yang mengikat perusahaan dengan pihak lain; 2. Menjalankan segala tindakan, baik yang mengenai kepengurusan maupun kepemilikan dengan pembatasan dan syarat yang tercantum dalam Anggaran Dasar Perusahaan; 3. Melakukan kewenangan lain yang diberikan oleh Anggaran Dasar Perusahaan serta Peraturan dan Perundang-undangan yang berlaku.
AUTHORITIES OF THE BOARD OF DIRECTORS 1. To represent the Company in and out of Court regarding all matters that binds the company with other parties. 2. To carry out all actions concerning the management and ownership with restrictions and requirements as stipulated in the Articles of Association of the Company; 3. To perform other authorities granted by the Articles of Association and prevailing laws regulations.
PENYELENGGARAAN RAPAT 1. Rapat-rapat Direksi harus diadakan secara berkala sedikitnya 1 (satu) kali dalam 1 (satu) bulan. 2. Direksi wajib mengadakan rapat Direksi bersama Dewan Komisaris secara berkala paling kurang 1 (satu) kali dalam 4 (empat) bulan. 3. Rapat Direksi dapat diselenggarakan (kuorum rapat) apabila dihadiri sekurangnya 2/3 dari seluruh anggota Direksi. 4. Anggota Direksi wajib menghadiri rapat Direksi sekurang-kurangnya 75% dari total rapat Direksi dalam setahun. Dalam hal anggota Direksi tidak dapat menghadiri rapat secara fisik, maka dapat menghadiri rapat melalui teknologi telekonferensi.
MEETING ARRANGEMENTS 1. The Board of Directors meetings must be held regularly at least once a month.
7. Member of the Board of Directors shall be subject to code of conduct, law and internal company policies
2. The Board of Directors shall hold a meeting with the Board of Commissioners periodically at least once in 4 (four) months. 3. The Board of Director may be held if attended at least by 2/3 of the Board of Directors. 4. Member of the BoD shall attend at least 75% of the total Board of Directors’ meetings in a year. In the event that a member of the BoD is unable to attend the meeting physically, he/she may attend the meeting via teleconference.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 5. Direksi harus menjadwalkan rapat Direksi untuk tahun berikutnya sebelum berakhirnya tahun buku. 6. Undangan dan materi rapat yang telah dijadwalkan disampaikan kepada peserta rapat paling lambat 5 (lima) hari sebelum rapat diselenggarakan. 7. Direksi dapat sewaktu-waktu mengadakan rapat bila diperlukan oleh satu atau lebih anggota Direksi atau sesuai kebutuhan Perusahaan. 8. Pengambilan keputusan dalam rapat-rapat Direksi harus dilaksanakan secara musyawarah. Apabila pengambilan keputusan secara musyawarah tidak tercapai, maka keputusan diambil berdasarkan suara terbanyak yaitu 2/3 anggota Direksi yang hadir dan didasarkan pada prinsip 1 (satu) orang 1 (sata) suara. 9. Direksi dapat mengambil keputusan yang sah dan mengikat tanpa menyelenggarakan rapat Direksi dengan syarat bahwa semua anggota Direksi menyetujui keputusan secara tertulis. 10. Semua keputusan Rapat Direksi harus mengikat atas semua anggota Direksi. 11. Keputusan rapat Direksi harus dicatat dalam risalah rapat, ditandatangani oleh seluruh anggota Direksi yang hadir, dan disampaikan kepada seluruh anggota Direksi, serta didokumentasikan dengan baik. 12. Perbedaan pendapat (dissenting opinions) yang terjadi dalam rapat Direksi wajib dicantumkan secara jelas dalam risalah rapat disertai alasan perbedaannya. 13. Jumlah rapat dan jumlah kehadiran masingmasing anggota Direksi harus diungkapkan dalam laporan penerapan Tata Kelola Perusahaan.
5. The Board of Directors must schedule the next year’s meetings before the end of book year. 6. The invitations and the meeting’s materials scheduled must be provided to the participants at the latest 5 (five) days prior to the meetings. 7. The Board of Directors may hold a meeting as required by one or more members of the Board of Directors or as needed by the Company. 8. Decision-making in meetings of the Board of Directors is by consensus. In the event consensus is not reached, decisions are taken by majority votes; that is 2/3 of members of the Board of Directors present and based on the principle of 1 (one) person 1 (one) vote. 9. The Board of Directors may also take legal and binding decisions without convening a Board of Directors meeting with condition that all members of the Board of Directors approved in writing. 10. All decisions of the BoD meetings shall bind all members of the BoD. 11. The results of the BoD meeting shall be recorded in the minutes of meetings, signed by all the members of the BoD who attended the meetings and submitted to all members of the BoD, and appropriately documented. 12. Dissenting opinions expressed in the Board of Directors meetings shall be cleary stated in the minutes of meetings with the reasons for the differences in opinions. 13. The number of meetings and meeting attendance of each member of the Board of Directors shall be disclosed in the implementation report of Corporate Governance.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II PENILAIAN KINERJA DAN PENETAPAN REMUNERASI DIREKSI 1. Penilaian Kinerja Direksi a. Evaluasi kinerja Direksi dilakukan oleh Dewan Komisaris; b. Penilaian kinerja Direksi dapat didasarkan kriteria umum dan penilaian kinerja berdasarkan faktor lainnya; c. Hasil evaluasi kinerja Direksi disampaikan dan dilaporkan dalam RUPS. 2. Penetapan Remunerasi Direksi a. Remunerasi Direksi harus terkait dengan prestasi kerja berdasarkan evaluasi Dewan Komisaris atas saran Komite Remunerasi; b. Remunerasi Direksi didasarkan atas hasil kajian dari Komite Remunerasi yang selanjutnya direkomendasikan oleh Dewan Komisaris kepada RUPS; dan c. RUPS menetapkan remunerasi Direksi setelah mempertimbangkan rekomendasi dari Dewan Komisaris. PENGUNGKAPAN DAN TRANSPARANSI DIREKSI 1. Direksi harus mengungkapkan dalam laporan mengenai pelaksanaan Tata Kelola Perusahaan, antara lain : - Kepemilikan saham anggota Direksi yang mencapai 5% atau lebih, baik dalam perusahaan maupun pada perusahaan lain, yang berdomisili di Indonesia dan di luar negeri; - Hubungan finansial dan kekeluargaan masing-masing anggota Direksi dengan para anggota lainnya dari Dewan Komisaris, para anggota Direksi, dan/atau para pemegang saham
PERFORMANCE APPRAISAL AND DETERMINING BOD REMUNERATION 1. BoD Performance Appraisal a. Performance evaluation of the BoD is conducted by the BoC; b. The BoD performance appraisal may be based on common criterias and performance appraisal by other factors; c. The results of the performance evaluation of the BoD shall be presented and reported in the GMS. 2. Determining of the BoD Remuneration a. The BoD remuneration should be related to performance appraisal of the BoC based on the advice of the Remuneration Committee. b. The BoD remuneration should be based on the results of a study by the Remuneration Committee which subsequently is then recommended by the BoC to the GMS; and c. The GMS determines the Board of Directors remuneration by considering the BoC recommendations. DISCLOSURE AND TRANSPARENCY OF THE BOD 1. The Board of Directors shall disclose in the implementation of Corporate Governance, such as: - Shares owned by 5% or more for members of BoD, either in the company or in other companies, domiciled in Indonesia and abroad. - Financial relation and family tied of each member of BoD with other members of the Board of Commissioners, members of the Board of Directors, and/or controlling shareholders;
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II pengendali, - Remunerasi dan fasilitas yang diterima. 2. Direksi harus mengungkapkan kepada para pegawai semua kebijakan yang bersifat strategis di sektor kepegawaian.
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Remuneration and facilities received.
2. The Board of Directors shall disclose to the employees all the strategic policies in employment sector.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II DEWAN PENGAWAS SYARIAH
SYARIAH SUPERVISORY BOARD
Perusahaan Danamon Grup yang menyelenggarakan seluruh atau sebagian usahanya berdasarkan prinsip syariah wajib memiliki Dewan Pengawas Syariah.
Danamon Group company that carries out all or part of its business based on sharia principles shall have a Shariah Supervisory Board.
Dewan Pengawas Syariah yang selanjutnya disebut “DPS” adalah dewan yang bertugas melakukan pengawasan dan pemberian nasehat dan saran kepada Direksi agar kegiatan usaha syariah sesuai dengan Prinsip Syariah.
Syariah Supervisory Board, hereinafter referred to as "DPS", is a council in charge of supervising and providing advices and recommendations to the BoD so as to ensure that the Syariah business activities are in accordance with Syariah principles.
PERSYARATAN CALON ANGGOTA DEWAN PENGAWAS SYARIAH (DPS) 1. Anggota DPS harus memenuhi persyaratan sebagai berikut: a. Integritas, yang paling kurang mencakup: 1) memiliki akhlak dan moral yang baik; 2) memiliki komitmen untuk mematuhi ketentuan syariah dan ketentuan peraturan perundangundangan lain yang berlaku; 3) memiliki komitmen terhadap pengembangan kegiatan usaha syariah perusahaan yang sehat dan tangguh (sustainable); dan 4) tidak termasuk dalam Daftar Tidak Lulus fit and proper test sebagaimana diatur dalam ketentuan mengenai uji kemampuan dan kepatutan (fit and proper test) yang ditetapkan oleh Otoritas Jasa Keuangan. b. Kompetensi, yang paling kurang memiliki pengetahuan dan pengalaman di bidang syariah dan pengetahuan di bidang keuangan secara umum; dan c. Reputasi keuangan, yang paling kurang mencakup: 1) tidak termasuk dalam daftar kredit
REQUIREMENTS FOR SYARIAH SUPERVISORY BOARD CANDIDATES 1. A member of DPS must meet the following requirements: a. Integrity, which at least include: 1) having good character and moral; 2) a commitment to comply with the provisions of Syariah and other provisions of prevailing laws and regulations; 3) committed to the development of Syariah business activities of the company that are sound and strong (sustainable); and 4) being not listed in the Register of Disqualified Persons for fit and proper test as stipulated in the provisions concerning fit and proper test as determined by the Financial Services Authority. b. Competency, at a minimum having the knowledge and experience in the field of Syariah and knowledge in the financial sector in general; and c. Financial reputation, which at least include: 1) not being on the list of debtors
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II macet; dan 2) tidak pernah dinyatakan pailit atau menjadi pemegang saham, anggota Dewan Komisaris, atau anggota Direksi suatu perusahaan dan/atau anggota pengurus suatu badan usaha yang dinyatakan bersalah menyebabkan suatu perusahaan dan/atau badan usaha dinyatakan pailit, dalam waktu 5 (lima) tahun terakhir sebelum dicalonkan. Lulus penilaian kemampuan dan kepatutan (fit and proper test) sesuai dengan peraturan Otoritas Jasa Keuangan. Mendapat rekomendasi dari Dewan Syariah Nasional – Majelis Ulama Indonesia.
with bad debts; and 2) never been declared bankrupt or has never been a shareholder, member of the Board of Commissioners, or members of the Board of Directors of a company and / or members of the board of a corporation found guilty of causing a company and / or business entity to be declared bankrupt, within 5 (five) years prior to nomination. 2. Pass the fit and proper test in accordance with the Financial Services Authority regulations. 3. Received a recommendation from the National Syariah Council - Council of Ulama Indonesia.
PENGANGKATAN, PEMBERHENTIAN DAN/ATAU PENGGANTIAN DPS 1. Anggota Dewan Pengawas Syariah diangkat dan/atau diberhentikan oleh Rapat Umum Pemegang Saham (RUPS) dengan memperhatikan rekomendasi Komite Nominasi dan Majelis Ulama Indonesia. 2. Masa jabatan anggota Dewan Pengawas Syariah paling lama sama dengan masa jabatan anggota Direksi atau Dewan Komisaris yaitu 3 (tiga) tahun atau sampai dengan penutupan RUPS tahunan pada akhir 1 (satu) periode masa jabatan dimaksud dan dapat diangkat kembali.
APPOINTMENT, REMOVAL AND / OR REPLACEMENT DPS 1. The Syariah Supervisory Board Members are appointed and / or dismissed by the General Meeting of Shareholders (GMS) by considering the recommendations of the Nomination Committee and the Indonesian Ulama Council. 2. The term of office of members of the Syariah Supervisory Board is at most the same as term of office of the BoD or BoC which is three (3) years or until the closing of the Annual GMS at the end of one (1) period of tenure and may be reappointed.
STRUKTUR KEANGGOTAAN DAN KOMPOSISI 1. Jumlah anggota DPS paling kurang 2 (dua) orang dan paling banyak 3 (tiga) orang. 2. DPS dipimpin oleh seorang ketua yang ditunjuk dari salah satu anggota DPS.
MEMBERSHIP STRUCTURE AND COMPOSITION 1. Number of DPS members is at least two (2) persons and at most 3 (three) persons. 2. DPS is led by a chairman appointed from one of the members of DPS.
RANGKAP JABATAN Anggota DPS dapat merangkap jabatan sebagai
CONCURRENT POSITIONS Members of the DPS may have concurrent
2.
3.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II anggota DPS paling banyak pada 4 (empat) lembaga keuangan syariah lain.
positions as members of DPS at most in four (4) other Syariah financial institutions.
ETIKA KERJA ANGGOTA DPS 1. Anggota Dewan Pengawas Syariah dilarang memanfaatkan Perusahaan untuk kepentingan pribadi, keluarga dan/atau pihak lain yang dapat mengurangi aset atau mengurangi keuntungan Perusahaan. 2. Anggota Dewan Pengawas Syariah dilarang mengambil dan/atau menerima keuntungan pribadi dari Perusahaan selain remunerasi dan fasilitas lainnya yang ditetapkan Rapat Umum Pemegang Saham (RUPS). 3. Anggota Dewan Pengawas Syariah dilarang melakukan transaksi yang mempunyai benturan kepentingan dengan kegiatan Perusahaan. 4. Anggota Dewan Pengawas Syariah dilarang merangkap jabatan sebagai konsultan di seluruh lembaga jasa keuangan syariah dan dan/atau UUS.
WORK ETHICS DPS MEMBERS 1. DPS members are prohibited from using the Company for personal interests, family and / or other party’s interests which may put the company at a disadvantage or decrease the profits of the Company. 2. Syariah Supervisory Board Members are prohibited from taking and / or receiving personal benefits from the Company other than remuneration and other facilities as stipulated in the GMS. 3. Syariah Supervisory Board Members are prohibited from conducting transactions that conflict with the interests of the Company. 4. Syariah Supervisory Board Members are prohibited from holding concurrent positions as consultants in all Syariah financial institutions and UUS.
TUGAS DAN TANGGUNGJAWAB DPS Anggota Dewan Pengawas Syariah wajib menyediakan waktu yang cukup untuk melaksanakan tugas dan tanggung jawabnya secara optimal. Tugas dan tanggung jawab DPS sekurangnya : 1. Menilai dan memastikan pemenuhan Prinsip Syariah pada pedoman operasional dan produk yang dikeluarkan Perusahaan; 2. Mengawasi proses pengembangan produk baru agar sesuai dengan fatwa Dewan Syariah Nasional – Majelis Ulama Indonesia; 3. Memberikan opini syariah terhadap produk baru dan/atau pembiayaan yang direstrukturisasi; 4. Meminta fatwa kepada Dewan Syariah Nasional untuk produk baru UUS yang belum ada fatwanya;
DUTIES AND RESPONSIBILITIES DPS Syariah Supervisory Board members shall devote sufficient time to carry out their duties and responsibilities optimally. Duties and responsibilities of DPS at a minimum include: 1. Assessing and ensuring fulfillment of Syariah Principles in operational guidelines and products issued by the Company; 2. Overseeing new products development in order to conform with the National Syariah Board Fatwa - Indonesian Ulama Council; 3. Providing Syariah opinions on new products and / or restructured financings; 4. Requesting the National Syariah Board for fatwa on new UUS products which do not already have fatwa; 5. Conducting periodic reviews on the
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 5. Melakukan review secara berkala atas pemenuhan Prinsip Syariah terhadap mekanisme penghimpunan dana dan penyaluran dana serta pelayanan jasa; dan
fulfillment of Syariah Principles on the mechanisms of funding, financing and services.
KEWENANGAN DPS 1. Meminta data dan informasi terkait dengan aspek syariah dalam rangka pelaksanaan tugasnya; 2. Berkomunikasi secara langsung dengan karyawan, Direksi dan pihak-pihak lain.
DPS AUTHORITY 1. Request data and information related to Syariah aspects to carry out its duties;
PENYELENGGARAAN RAPAT 1. Rapat Dewan Pengawas Syariah wajib diselenggarakan paling kurang 1 (satu) kali dalam 1 (satu) bulan. 2. Rapat Dewan Pengawas Syariah dapat diselenggarakan (kuorum rapat) apabila dihadiri sekurangnya 2/3 dari seluruh anggota Dewan Pengawas Syariah. 3. Pengambilan keputusan rapat Dewan Pengawas Syariah dilakukan berdasarkan musyawarah mufakat. Apabila pengambilan keputusan secara musyawarah tidak tercapai, maka keputusan diambil berdasarkan suara terbanyak dan didasarkan pada prinsip 1 (satu) orang 1 (satu) suara. 4. Hasil rapat Dewan Pengawas Syariah wajib dituangkan dalam risalah rapat dan didokumentasikan dengan baik. 5. Hasil rapat Dewan Pengawas Syariah, ditandatangani oleh anggota Dewan Pengawas Syariah yang hadir dan didistribusikan kepada seluruh anggota Dewan Pengawas Syariah. 6. Perbedaan pendapat (dissenting opinions) yang terjadi dalam rapat Dewan Pengawas Syariah wajib dicantumkan secara jelas dalam risalah rapat disertai alasan perbedaannya 7. Seluruh keputusan Dewan Pengawas Syariah
MEETING ARRANGEMENTS 1. The Syariah Supervisory Board Meetings shall be held at least once a month.
2. Communicate directly with employees, Directors and other parties.
2. The Syariah Supervisory Board Meetings may be held (meeting quorum) if attended by at least 2/3 of the members of the Syariah Supervisory Board. 3. Decision-making meeting of the Syariah Supervisory Board is based on consensus. If consensus is not reached, decisions are taken by majority votes and based on the principle of 1 (one) person 1 (one) vote. 4. The results of the Syariah Supervisory Board meetings shall be recorded in the minutes of the meeting and well documented. 5. The minutes of meeting of the Syariah Supervisory Board are signed by the Syariah Supervisory Board members present and distributed to all members of the Syariah Supervisory Board. 6. Dissenting opinions expressed during the Syariah Supervisory Board meetings shall be clearly stated in the minutes of the meeting along with the reasons for such differences in opinions. 7. All decisions of the Syariah Supervisory
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II yang dituangkan dalam risalah rapat merupakan keputusan bersama seluruh anggota Dewan Pengawas Syariah.
Board as outlined in the minutes of the meeting are joint decisions of all members of the Syariah Supervisory Board.
PENGUNGKAPAN DAN TRANSPARANSI DPS Dewan Pengawas Syariah wajib mengungkapkan dalam laporan pelaksanaan GCG, paling kurang: a. Rangkap jabatan pada lembaga keuangan lain; b. Remunerasi dan fasilitas lainnya yang ditetapkan Rapat Umum Pemegang Saham; c. Jumlah penyelenggaraan rapat dan kehadiran anggota DPS dalam rapat.
DISCLOSURE AND TRANSPARENCY DPS Syariah Supervisory Board shall disclose in the report GCG, at a minimum: a. Concurrent positions at other financial institutions; b. Remuneration and other facilities as specified in GMS; c. The number of meetings and attendance by the DPS members in the meetings.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II KOMITE-KOMITE DEWAN KOMISARIS
COMMITTEES OF THE BOARD OF COMMISSIONERS
Dalam rangka mendukung efektivitas pelaksanaan tugas dan tanggungjawabnya, Dewan Komisaris wajib membentuk paling kurang: 1. Komite Audit, 2. Komite Pemantau Risiko.
In order to support the effective implementation of its tasks and responsibilities, the Board shall establish at a minimum:
Dewan Komisaris dapat membentuk Komite Nominasi dan Komite Remunerasi. Dalam hal, Perusahaan tidak membentuk Komite Nominasi dan Remunerasi, maka pelaksanaan fungsi Nominasi dan Remunerasi wajib dilaksanakan oleh Dewan Komisaris.
The Board of Commissioners may form the Nomination and Remuneration Committee. In the case that the Company does not form a Nomination and Remuneration Committee, the function of the Nomination and Remuneration committee shall be exercised by the BOC.
Dengan mempertimbangkan kebutuhan perusahaan, Dewan Komisaris dapat pula membentuk komite lainnya antara lain Komite Tata Kelola Perusahaan.
Taking into account the needs of the company, the Board may also establish other committees including a Corporate Governance Committee.
Pembentukan Komite dilakukan berdasarkan keputusan rapat Dewan Komisaris. Dewan Komisaris wajib memastikan bahwa komite yang telah dibentuk menjalankan tugasnya secara efektif.
Formation of Committees is based on the meeting decision of the Board of Commissioners. The Board of Commissioners shall ensure that the committees formed effectively carry out their duties.
Setiap Komite wajib diketuai oleh Komisaris Independen. Ketua Komite hanya dapat merangkap jabatan sebagai ketua komite paling banyak pada 1 (satu) komite lainnya. Setiap komite wajib menyusun Pedoman dan Tata Tertib Kerja Komite paling kurang mencakup: a. Struktur dan keanggotaan b. Tugas dan tanggung jawab c. Penyelenggaraan rapat
Each Committee shall be chaired by an Independent Commissioner. Chairman of a Committee may only hold concurrent position as the chairman of at most 1 (one) other committee. Each committee shall prepare the committee charter which at a minimum include: a. Structure and Membership b. Duties and responsibilities c. Meeting arrangements
1. The Audit Committee 2. Risk Monitoring Committee
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II KOMITE AUDIT PERSYARATAN ANGGOTA KOMITE AUDIT Anggota Komite Audit paling kurang memenuhi persyaratan: 1. Memiliki integritas, kemampuan, pengetahuan, pengalaman sesuai bidang pekerjaannya, serta mampu berkomunikasi dengan baik; 2. Memahami laporan keuangan, bisnis perusahaan, proses audit, manajemen risiko, dan peraturan perundang-undangan; 3. Tidak memiliki saham langsung maupun tidak langsung pada perusahaan; 4. Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, anggota Direksi,atau Pemegang Saham Utama perusahaan; 5. Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan usaha; 6. Bukan merupakan anggota Direksi Perusahaan.
STRUKTUR KEANGGOTAAN DAN KOMPOSISI Anggota Komite Audit terdiri dari sekurangnya seorang Komisaris Independen yang sekaligus berkedudukan sebagai Ketua Komite. Bagi Perusahaan Terbuka, struktur keanggotaan dan komposisi Komite adalah sebagai berikut: 1. Anggota Komite Audit wajib berasal dari Komisaris Independen dan Pihak Independen yang sekurangnya terdiri dari: - 1 orang Komisaris Independen - 1 orang Pihak Independen yang memiliki keahlian di bidang keuangan dan/atau akuntansi; dan - 1 orang Pihak Independen yang memiliki keahlian di bidang hukum dan/atau
AUDIT COMMITTEE REQUIREMENTS FOR AUDIT COMMITTEE MEMBER Audit Committee members shall at least meet the following requirements: 1. Possess high integrity, ability, knowledge, work experience relevant to his/her area, and able to communicate well; 2. Understand the financial statements, the company's business, the audit process, risk management, and laws and regulations; 3. Does not have a direct or indirect stake in the company; 4. Does not have an affiliate relationship with members of the Board of Commissioners, members of the Board of Directors, or majority shareholders of the company; 5. Does not have a business relationship, directly or indirectly related to the business activities; 6. Not a member of the Board of Directors of the Company.
MEMBERSHIP STRUCTURE AND COMPOSITION The Audit Committee shall consist of at least 1 (one) Independent Commissioner as the chairman of the committee. For a Public Company, the membership structure and composition are, as follow: 1. Members of the Audit Committee shall be Independent Commissioners and Independent Parties which at a minimum should consist of: - 1 Independent Commissioner - 1 independent party with expertise in finance and / or accounting; and - 1 Independent Party with expertise in law and / or banking.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 2.
3.
perbankan. Pihak Independen merupakan pihak di luar Perusahaan yang tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan Dewan Komisaris, Direksi dan/atau Pemegang Saham Pengendali atau hubungan dengan Perusahaan yang dapat mempengaruhi kemampuannya untuk bertindak independen. Masa jabatan anggota Komite Audit tidak boleh lebih lama dari masa jabatan anggota Dewan Komisaris dan dapat dipilih kembali hanya untuk satu periode berikutnya.
TUGAS DAN TANGGUNGJAWAB KOMITE AUDIT Dalam menjalankan fungsinya, Komite Audit memiliki tugas dan tanggung jawab antara lain: 1. Melakukan pemantauan dan evaluasi rencana audit dan pelaksanaan Audit Internal; 2. Melakukan pemantauan dan evaluasi kesesuaian pelaksanaan audit oleh kantor akuntan publik dengan standar audit yang umum diterima; 3. Melakukan pemantauan dan evaluasi kesesuaian laporan keuangan dengan standar akuntansi yang umum diterima; 4. Melakukan pemantauan dan evaluasi tindak lanjut oleh Direksi atas temuan-temuan Audit Internal, akuntan publik dan hasil supervisi Otoritas Jasa Keuangan/Bank Indonesia. 5. Memberikan rekomendasi mengenai penunjukan akuntan publik dan kantor akuntan publik kepada Dewan Komisaris untuk diteruskan kepada Rapat Umum Pemegang Saham. 6. Memberikan pendapat independen dalam hal terjadi perbedaan pendapat antara
2. Independent Party is a party outside the company who does not have the financial, management, share ownership and / or family relationship with the Board of Commissioners, Directors and / or Controlling Shareholders or relationship with the company that could affect its ability to act independently. 3. The term of office of members of the Audit Committee should not be longer than the term of office of members of the BoC and may be re-elected only for another term. DUTIES AND RESPONSIBILITIES OF AUDIT COMMITTEE In carrying out its functions, the Audit Committee has duties and responsibilities which amongst others: 1. Monitor and evaluate the audit plan and the implementation of Internal Audit; 2. Monitor and evaluate the conformity of the audit by the public accounting firm with generally accepted auditing standards; 3. Monitor and evaluate the conformity of financial statements with the generally accepted accounting standards; 4. Monitor and evaluate the follow-ups by the Board of Directors on the findings of internal audit, public accountant and the results of supervision of the Financial Services Authority / Bank Indonesia. 5. Provide recommendations on the appointment of public accountants and public accounting firms to the BoC for further recommendations to the General Meeting of Shareholders. 6. Provide independent opinion in the event of disagreements between management
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II manajemen dan akuntan atas jasa yang diberikan. 7. Mengkaji pengaduan yang berkaitan dengan proses akuntansi dan pelaporan keuangan perusahaan. 8. Mengkaji dan memberikan saran kepada Dewan Komisaris terkait dengan adanya potensi benturan kepentingan. 9. Menjaga kerahasian dokumen, data dan informasi perusahaan.
PENYELENGGARAAN RAPAT 1. Komite Audit mengadakan rapat secara berkala paling kurang satu kali dalam 3 (tiga) bulan). 2. Rapat Komite Audit hanya dapat dilaksanakan apabila dihadiri oleh paling sedikit 51% (limapuluh satu persen) anggota komite. 3. Keputusan rapat Komite Audit diambil berdasarkan prinsip musyawarah mufakat. Apabila pengambilan keputusan secara musyawarah tidak tercapai, maka keputusan diambil berdasarkan suara terbanyak dan didasarkan pada prinsip 1 (satu) orang 1 (satu) suara. 4. Keputusan rapat Komite wajib dituangkan dalam risalah rapat serta didokumentasikan dengan baik. 5. Hasil rapat komite ditandatangani oleh anggota komite yang hadir dan didistribusikan kepada seluruh anggota Komite Audit. 6. Perbedaan pendapat (dissenting opinions) yang terjadi dalam rapat komite wajib dicantumkan secara jelas dalam risalah rapat disertai alasan perbedaannya.
and the accountant for services provided. 7. Examine the complaints relating to accounting and financial reporting processes of the company. 8. Review and provide advices to the Board of Commissioners in relation to the potential conflict of interests. 9. Maintain confidentiality of documents, data and company information.
MEETINGS ARRANGEMENTS 1. The Audit Committee shall hold regular meetings at least quarterly. 2. The Audit Committee meeting may only be held if attended by at least 51% (fifty one percent) of committee members. 3. Meeting decisions of the Audit Committee are by consensus. In the event consensus is not reached, decisions are taken by majority votes and based on the principle of 1 (one) person 1 (one) vote.
4. Decision of the Committee meetings shall be set out in the minutes of the meeting and well documented. 5. The results of the committee meetings are signed by the committee members present in the meetings and distributed to all members of the Audit Committee. 6. Dissenting opinions expressed in the Audit Committee meetings shall be clearly stated in the minutes of meetings along with the reasons for the such differences in opinions.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II KOMITE PEMANTAU RISIKO
RISK MONITORING COMMITTEE
PERSYARATAN ANGGOTA KOMITE PEMANTAU RISIKO 1. Memiliki integritas, kemampuan, pengetahuan, pengalaman sesuai bidang pekerjaannya, serta mampu berkomunikasi dengan baik; 2. Bukan merupakan anggota Direksi Perusahaan.
REQUIREMENTS FOR RISK MONITORING COMMITTEE MEMBER 1. Possess high integrity, ability, knowledge, work experience relevant to his/her area, and able to communicate well;
STRUKTUR KEANGGOTAAN DAN KOMPOSISI 1. Anggota Komite Pemantau Risiko paling kurang terdiri dari: - 1 orang Komisaris Independen - 1 orang Pihak Independen yang memiliki keahlian di bidang keuangan; dan - 1 orang Pihak Independen yang memiliki keahlian di bidang manajemen risiko. 2. Paling kurang 51% dari jumlah anggota komite Pemantau Risiko adalah Komisaris Independen dan Pihak Independen. 3. Pihak Independen merupakan pihak di luar perusahaan yang tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan Dewan Komisaris, Direksi dan/atau Pemegang Saham Pengendali atau hubungan dengan perusahaan yang dapat mempengaruhi kemampuannya untuk bertindak independen.
MEMBERSHIP STRUCTURE AND COMPOSITION 1. Risk Monitoring Committee members consist of at least: - 1 Independent Commissioners - 1 independent party with expertise in finance; and - 1 Independent Party with expertise in the field of risk management. 2. At least 51% of the members of the Risk Monitoring Committee are Independent Commissioners and Independent Parties. 3. Independent Party is a party outside the company who do not have the financial, management, share ownership and / or family relationship with the Board of Commissioners, Directors and / or Controlling Shareholders or relationship with the company that could affect its ability to act independently.
TUGAS DAN TANGGUNG JAWAB KOMITE
DUTIES AND RESPONSIBILITIES OF COMMITTEE In carrying out its functions, the Risk Monitoring Committee has the following duties and responsibilities which amongst others include: 1. Evaluate the appropriateness of the policies implementation with risk management policies;
Dalam menjalankan fungsinya, Komite Pemantau Risiko memiliki tugas dan tanggung jawab, antara lain: 1. Melakukan evaluasi kesesuaian kebijakan manajemen risiko dengan pelaksanaan kebijakan tersebut;
2. Not a member of the Board of Directors of the Company.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 2. Melakukan pemantauan dan evaluasi pelaksanaan tugas Komite Manajemen Risiko dan Satuan Kerja Manajemen Risiko; 3. Mengevaluasi kebijakan manajemen risiko. PENYELENGGARAAN RAPAT 1. Rapat Komite Pemantau Risiko harus diadakan sesuai dengan kebutuhan perusahaan, setidaknya sekali dalam setiap 3 (tiga) bulan. 2. Rapat Komite Pemantau Risiko hanya dapat dilaksanakan apabila dihadiri oleh paling sedikit 51% (limapuluh satu persen) dari seluruh anggota Komite Pemantau Risiko, termasuk seorang Komisaris Independen dan Pihak Independen. 3. Keputusan rapat Komite Pemantau Risiko diambil berdasarkan prinsip musyawarah mufakat. Apabila pengambilan keputusan secara musyawarah tidak tercapai, maka keputusan diambil berdasarkan suara terbanyak dan didasarkan pada prinsip 1 (satu) orang 1 (satu) suara. 4. Keputusan rapat komite wajib dituangkan dalam risalah rapat dan dituangkan dalam risalah rapat serta didokumentasikan dengan baik. 5. Hasil rapat komite ditandatangani oleh anggota komite yang hadir dan didistribusikan kepada seluruh anggota Komite Pemantau Risiko. 6. Perbedaan pendapat (dissenting opinions) yang terjadi dalam rapat komite wajib dicantumkan secara jelas dalam risalah rapat disertai alasan perbedaannya.
2. Monitor and evaluate the Risk Management Committee and the Risk Management Unit in the carrying out of its respective duties; 3. Evaluate the risk management policy. MEETINGS ARRANGEMENTS 1. Risk Oversight Committee Meeting shall be held in accordance with the needs of the company and at least quarterly. 2. Risk Monitoring Committee Meetings may only be held if attended by at least 51% (fifty one percent) of the members of the Risk Monitoring Committee, including an independent commissioner and an independent party. 3. Meeting decisions of the Risk Monitoring Committee are by consensus. In the event consensus is not reached, decisions are taken by majority votes and based on the principle of 1 (one) person 1 (one) vote.
4. Decisions committee meeting shall be set out in the minutes of the meeting and stated in the minutes of meetings and well documented. 5. The results of the committee meetings are signed by the committee members who are present and distributed to all members of the Risk Oversight Committee. 6. Dissenting opinions expressed in the Audit Committee meetings shall be clearly stated in the minutes of meetings along with the reasons for the differences in opinions.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II KOMITE NOMINASI DAN REMUNERASI
NOMINATION AND REMUNERATION COMMITTEE
PERSYARATAN ANGGOTA KOMITE NOMINASI DAN REMUNERASI 1. Memiliki integritas, kemampuan, pengetahuan, pengalaman sesuai bidang pekerjaannya, serta mampu berkomunikasi dengan baik; 2. Bukan merupakan anggota Direksi Perusahaan.
REQUIREMENTS FOR MEMBERS OF THE NOMINATION AND REMUNERATION 1. Possess integrity, ability, knowledge, work experience relevant to his/her area, and able to communicate well; 2. Is not a member of the Board of Directors of the Company.
STRUKTUR KEANGGOTAAN DAN KOMPOSISI 1. Anggota Komite paling kurang terdiri dari: - 1 orang Komisaris Independen - 1 orang Komisaris; dan - 1 orang Pejabat Eksekutif yang membawahi Sumber Daya Manusia atau Pihak Independen. 2. Apabila jumlah anggota Komite Nominasi dan Remunerasi ini ditetapkan terdiri lebih dari 3 (tiga) orang, maka anggota yang merupakan komisaris independen harus sedikitnya terdiri dari 2 (dua) orang.
MEMBERSHIP STRUCTURE AND COMPOSITION 1. Members of the Committee shall consist of at least: - 1 Independent Commissioners; - 1 Commissioner; and, - 1 Executive Officer in charge of Human Resources or an independent party. 2. If the number of members of the Nomination and Remuneration Committee is more than three (3) members, the independent commissioners shall be at least two (2) persons.
Dalam hal Komite Nominasi dan Komite Remunerasi dibentuk secara terpisah, maka struktur keanggotaan masing-masing komite mengikuti komposisi di atas.
In the case the Nomination and Remuneration Committee is formed separately, then the membership structure of each committee must follow the above composition.
TUGAS DAN TANGGUNG JAWAB KOMITE
DUTIES AND RESPONSIBILITIES OF COMMITTEE Nomination and Remuneration Committee has the following duties and responsibilities:
Komite Nominasi dan Remunerasi memiliki tugas dan tanggungjawab paling kurang sebagai berikut: 1. Terkait dengan Fungsi Nominasi a. Menyusun dan memberikan rekomendasi mengenai komposisi, kebijakan dan kriteria proses nominasi anggota Dewan Komisaris dan/atau anggota Direksi kepada Dewan Komisaris; b. Memberikan rekomendasi mengenai calon
1. Related to Nomination Function a. Develop and provide recommendations on the composition, policies and criteria for the nomination of the BoC and / or members of the BoD to the BoC; b. Provide recommendations on the
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II anggota Dewan Komisaris dan/atau anggota Direksi untuk disampaikan kepada RUPS; c. Memberikan rekomendasi mengenai Pihak Independen yang akan menjadi anggota komite kepada Dewan Komisaris; d. Membantu Dewan Komisaris melakukan penilaian anggota Direksi dan/atau anggota Dewan Komisaris berdasarkan tolok ukur yang telah disusun sebagai bahan evaluasi; e. Memberikan rekomendasi kepada Dewan Komisaris mengenai program pengembangan kemampuan anggota Direksi dan/atau anggota Dewan Komisaris.
prospective members of the Board of Commissioners and / or the Board of Directors to be submitted to the GMS; c. Provide recommendations on the independent party who will be members of the committee to the BoC; d. Assist the BOC in assessing members of the BoD and / or members of the BoC based on benchmarks that have been developed for evaluation purposes; e. Provide recommendations to the Board of Commissioners on development programs for Directors and / or members of the Board of Commissioners.
2. Terkait dengan Fungsi Remunerasi a. Menyusun dan memberikan rekomendasi mengenai struktur, kebijakan dan besaran atas remunerasi bagi anggota Direksi dan/atau anggota Dewan Komisaris kepada Dewan Komisaris; b. Membantu Dewan Komisaris melakukan penilaian kinerja dengan kesesuaian remunerasi yang diterima masingmasing anggota Direksi dan/atau anggota Dewan Komisaris.
2. Related to the Remuneration Function a. Develop and provide recommendations on the structure, policies and amount of remuneration for the members of the BoD and / or members of the BoC to the Board of Commissioners;
PENYELENGGARAAN RAPAT 1. Rapat Komite diselenggarakan sesuai dengan kebutuhan Perusahaan paling kurang 1 (satu) kali dalam 4 (empat) bulan. 2. Rapat Komite hanya dapat diselenggarakan apabila dihadiri oleh paling sedikit 51% (limapuluh satu persen) dari seluruh anggota, termasuk ketua komite. 3. Keputusan rapat komite diambil berdasarkan prinsip musyawarah mufakat. Apabila pengambilan keputusan secara musyawarah
MEETING ARRANGEMENTS 1. Committee meetings shall be held in accordance with the Company’s needs and at least once in 4 (four) months. 2. Meetings of the Committee may only be held if attended by at least 51% (fifty one percent) of all members, including the chairman of the committee. 3. Meeting decisions of the Audit Committee is by consensus. In the event consensus is not reached, decisions are taken by
b. Assist the BOC to assess the performance and the appropriateness of the remuneration received by each Director and / or members of the Board of Commissioners.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II tidak tercapai, maka keputusan diambil berdasarkan suara terbanyak dan didasarkan pada prinsip 1 (satu) orang 1 (satu) suara. 4. Keputusan rapat komite wajib dituangkan dalam risalah rapat dan dituangkan dalam risalah rapat serta didokumentasikan dengan baik. 5. Hasil rapat komite ditandatangani oleh anggota komite yang hadir dan didistribusikan kepada seluruh anggota komite serta disampaikan kepada Dewan Komisaris. 6. Perbedaan pendapat (dissenting opinions) yang terjadi dalam rapat komite wajib dicantumkan secara jelas dalam risalah rapat disertai alasan perbedaannya.
majority votes and based on the principle of 1 (one) person 1 (one) vote. 4. Decisions committee meeting shall be set out in the minutes of the meeting and stated in the minutes of meetings and well documented. 5. The results of the committee meeting signed by the committee members who are present and distributed to all members of the committee and submitted to the Board of Commissioners. 6. Dissenting opinions that occur in the committee meetings shall be clearly stated in the minutes of the meeting along with the reasons difference.
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Page | 92 Satuan Kerja Kepatuhan
Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II KOMITE TATA KELOLA
CORPORATE GOVERNANCE COMMITTEE
Dewan Komisaris dapat membentuk Komite Tata Kelola untuk membantu melakukan pengawasan atas penerapan tata kelola perusahaan. Pembentukan Komite Tata Kelola dapat mengikuti ketentuan di bawah ini.
The BoC may establish a Corporate Governance Committee to assist in the monitoring of the implementation of Good Corporate Governance. The establishment of a Corporate Governance Committee may follow the following guidelines.
Bagi Perusahaan yang ditunjuk sebagai Entitas Utama dalam Konglomerasi Keuangan, maka Dewan Komisaris wajib membentuk Komite Tata Kelola Terintegrasi dengan struktur keanggotaan, tugas dan tanggungjawab, serta wewenang sebagaimana diatur dalam Kebijakan Tata Kelola Terintegrasi.
For the Company is appointed as the main entity in the Financial Conglomeration, the BoC shall establish an Integrated Corporate Governance Committee with the membership structure, duties and responsibilities, and authorities as stipulated in the Integrated Corporate Governance Policy.
PERSYARATAN ANGGOTA KOMITE TATA KELOLA 1. Memiliki integritas, kemampuan, pengetahuan, pengalaman sesuai bidang pekerjaannya, serta mampu berkomunikasi dengan baik; 2. Bukan merupakan anggota Direksi Perusahaan.
REQUIREMENTS FOR GOVERNANCE COMMITTEE MEMBERS 1. Possess integrity, ability, knowledge, work experience and able to communicate well; 2. Is not a member of the Board of Directors of the Company.
STRUKTUR KEANGGOTAAN DAN KOMPOSISI Anggota Komite Tata Kelola terdiri dari Komisaris Independen dan Komisaris dengan komposisi paling kurang 51% dari jumlah anggota komite merupakan Komisaris Independen.
STRUCTURE MEMBERSHIP AND COMPOSITION The Corporate Governance Committee shall consist of Independent Commissioners and Commissioners with a composition of at least 51% of the total number of committee members being Independent Commissioners.
TUGAS DAN TANGGUNGJAWAB KOMITE TATA KELOLA Komite Tata Kelola memiliki tugas dan tanggung jawab paling kurang: 1. Mengevaluasi struktur, kebijakan dan kerangka tata kelola perusahaan yang baik; 2. Mengkaji dan menilai pelaksanaan prinsipprinsip tata kelola perusahaan yang baik dan
DUTIES AND RESPONSIBILITIES OF CORPORATE GOVERNANCE COMMITTEE Corporate Governance Committee has the duties and responsibilities, which at a minimum include: 1. Evaluate the structure, policies and framework of good corporate governance; 2. Review and assess the implementation of
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II menyampaikan rekomendasi kepada Dewan Komisaris; 3. Mengkaji laporan pelaksanaan Tata Kelola perusahaan; 4. Memastikan keterbukaan, transparansi dan keseimbangan informasi dalam pelaksanaan Rapat Umum Pemegang Saham.
the principles of good corporate governance and provide recommendations to the Board of Commissioners; 3. Assessing Corporate Governance Implementation report; 4. Ensure openness, transparency and balance of information during the General Meeting of Shareholders.
PENYELENGGARAAN RAPAT 1. Rapat Komite diselenggarakan sesuai dengan kebutuhan Perusahaan paling kurang 1 (satu) kali dalam 1 (satu) semester. 2. Rapat Komite hanya dapat diselenggarakan apabila dihadiri oleh paling sedikit 51% (limapuluh satu persen) dari seluruh anggota, termasuk ketua komite. 3. Keputusan rapat komite diambil berdasarkan prinsip musyawarah mufakat. Apabila pengambilan keputusan secara musyawarah tidak tercapai, maka keputusan diambil berdasarkan suara terbanyak dan didasarkan pada prinsip 1 (satu) orang 1 (satu) suara. 4. Keputusan rapat komite wajib dituangkan dalam risalah rapat serta didokumentasikan dengan baik. 5. Hasil rapat komite ditandatangani oleh anggota komite yang hadir dan didistribusikan kepada seluruh anggota komite. 6. Perbedaan pendapat (dissenting opinions) yang terjadi dalam rapat komite wajib dicantumkan secara jelas dalam risalah rapat disertai alasan perbedaannya.
MEETING ARRANGEMENTS 1. Committee meetings shall be held in accordance with the Company’s needs and at a minimum semi-annually. 2. Meetings of the Committee may only be held if attended by at least 51% (fifty one percent) of all members, including the chairman of the committee. 3. Meeting decisions of the Corporate Governance Committee are by consensus. In the event consensus is not reached, decisions are taken by majority votes and based on the principle of 1 (one) person 1 (one) vote. 4. Decisions committee meeting shall be set out in the minutes of the meeting and well documented. 5. The results of the committee meeting are signed by the committee members who are present and distributed to all committee members. 6. Dissenting opinions that occurs in the committee meetings shall be clearly stated in the minutes of the meetings along with the reasons for such differences in opinions.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II FUNGSI KEPATUHAN
COMPLIANCE FUNCTION
Fungsi Kepatuhan adalah serangkaian tindakan atau langkah-langkah yang bersifat ex-ante (preventif) untuk memastikan kegiatan usaha yang dilakukan oleh perusahaan telah sesuai dengan ketentuan dan peraturan perundangundangan yang berlaku.
Compliance function is (preventative) actions or business activities are company in accordance laws and regulations.
TUGAS DAN TANGGUNGJAWAB Tugas dan tanggungjawab fungsi kepatuhan meliputi tindakan sebagai berikut: a. Mewujudkan terlaksananya Budaya Kepatuhan pada semua tingkatan organisasi dan kegiatan usaha; b. Mengelola Risiko Kepatuhan yang dihadapi; c. Memastikan agar kebijakan, ketentuan, sistem dan prosedur serta kegiatan usaha telah sesuai dengan ketentuan dan peraturan perundang-undangan yang berlaku; dan, d. Memastikan kepatuhan terhadap komitmen yang dibuat kepada regulator.
DUTIES AND RESPONSIBILITIES Duties and responsibilities of the compliance function include the following: a. Promote a compliance culture at all levels of organization and business activities; b. Manage Compliance Risks; c. Ensuring that policies, regulations, systems and procedures as well as business activities are in accordance with the prevailling laws and regulations; and, d. Ensuring compliance with the commitments made to the regulator.
DIREKTUR KEPATUHAN 1. Perusahaan wajib memiliki anggota Direksi yang membawahkan Fungsi Kepatuhan (Direktur Kepatuhan). 2. Direktur Kepatuhan wajib berkewarganegaraan Indonesia, memiliki integritas dan pengetahuan mengenai ketentuan jasa keuangan dan peraturan perundang-undangan yang berlaku serta memenuhi persyaratan independensi. 3. Direktur Kepatuhan tidak diperkenankan merangkap jabatan dan dilarang membawahkan fungsi-fungsi, sebagai berikut : a. Bisnis dan Operasional; b. Keuangan dan akuntansi; c. Manajemen risiko yang melakukan
COMPLIANCE DIRECTOR 1. The Company shall have a BoD member in charge of the Compliance Function (Compliance Director). 2. The Compliance Director shall be of Indonesian nationality, possess integrity and knowledge of financial services regulations and prevailing laws andregulations as well as meeting the independency requirements. 3. Compliance Director is not allowed to hold concurrent positions and prohibited to head the following functions: a. Business and Operations; b. Finance and accounting; c. Risk management decision making in business activities;
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a series of ex-ante steps to ensure that conducted by the with the prevailing
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II pengambilan keputusan pada kegiatan usaha; d. Treasury; e. Logistik dan pengadaan barang/jasa; f. Teknologi Informasi; g. Audit Intern. SATUAN KERJA KEPATUHAN 1. Perusahaan wajib memiliki Satuan Kerja Kepatuhan yang melaksanakan fungsi kepatuhan. 2. Satuan Kerja Kepatuhan harus independen yaitu dibentuk secara tersendiri dan bebas dari pengaruh satuan kerja lainnya, serta mempunyai akses dan bertanggung jawab langsung kepada Direktur yang membawahi Fungsi Kepatuhan. 3. Satuan Kerja Kepatuhan dikepalai oleh Kepala Satuan Kerja Kepatuhan dengan persyaratan: a. Memenuhi persyaratan independensi; b. Menguasai ketentuan Otoritas Jasa Keuangan/Bank Indonesia dan peraturan perundang-undangan yang berlaku; c. Tidak melaksanakan tugas lainya di luar Fungsi Kepatuhan; dan, d. Memiliki komitmen yang tinggi untuk melaksanakan dan mengembangkan Budaya Kepatuhan (compliance culture). 4. Pejabat dan Staf Satuan Kerja Kepatuhan dilarang ditempatkan pada posisi menghadapi conflict of interest dalam melaksanakan tanggung jawab Fungsi Kepatuhan. 5. Satuan Kerja Kepatuhan pada perusahaan yang memiliki kegiatan usaha Syariah wajib didukung dengan Staf yang mempunyai pengetahuan dan/atau pemahaman tentang Syariah. 6. Satuan Kerja Kepatuhan dapat berupa unit
d. Treasury; e. Logistics and procurement of goods / services; f. Information technology; g. Internal Audit.
COMPLIANCE UNIT 1. The Company shall possess a Compliance Unit to carry out the compliance function. 2. Compliance Unit shall be independent; that is established separately and free from the influence of other working units, as well as has access and responsibility directly to the Compliance Director. 3. The Compliance Unit is headed by the Compliance Head with the following requirements: a. Meet the independency requirements; b. Has a good knowledge on the Financial Services Authority/Bank Indonesia regulations and prevailing laws and regulations; c. Does not carry out other duties besides the Compliance Function; and, d. Has a high commitment to implement and develop a compliance culture. 4. Compliance Officers are prohibited from being placed in positions that may result in conflict of interests whilst carrying out the responsibilities of the Compliance Function. 5. For the company with Syariah business activities, the Compliance Unit must be supported by staff wtih knowledge and / or understanding of the Syariah. 6. Compliance Unit may be in the form of
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II kerja atau pegawai yang melaksanakan fungsi kepatuhan.
units or employees who carry out the compliance function.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II FUNGSI SEKRETARIS PERUSAHAAN
FUNCTION OF CORPORATE SECRETARY
Perusahaan yang merupakan perusahaan terbuka wajib memiliki fungsi sekretaris perusahaan. Fungsi sekretaris perusahaan dapat dilaksanakan oleh orang perorangan atau unit kerja yang dipimpin seorang penanggung jawab.
A company which is a public company shall have a corporate secretary function. The corporate secretary function can be carried out by an individual person or unit headed by a responsible person.
SEKRETARIS PERUSAHAAN 1. Sekretaris Perusahaan merupakan orang perseorangan atau penanggung jawab dari unit kerja yang menjalankan fungsi sekretaris perusahaan. 2. Sekretaris Perusahaan diangkat dan diberhentikan berdasarkan keputusan Direksi dan bertanggung jawab kepada Direksi. 3. Sekretaris Perusahaan dapat dirangkap oleh seorang anggota Direksi. 4. Sekretaris Perusahaan dilarang merangkap jabatan apapun di perusahaan terbuka lain.
CORPORATE SECRETARY 1. The Corporate Secretary is a person or person in charge of the unit carrying out the corporate secretary function.
5. Informasi yang disampaikan oleh sekretaris perusahaan kepada masyarakat merupakan informasi resmi Perusahaan. 6. Sekretaris Perusahaan wajib meningkatkan pengetahuan dengan mengikuti pendidikan dan/atau pelatihan paling kurang di bidang hukum, akuntansi serta praktik-praktik kesekretariatan.
2. The Corporate Secretary shall be appointed and dismissed by the Board of Directors and is responsible to the Board of Directors. 3. Corporate Secretary position can be held by a member of the Board of Directors. 4. The Corporate Secretary is prohibited from holding any concurrent positions in other publicly listed companies. 5. The information announced by corporate secretary to the public is official corporate information. 6. Corporate Secretary shall his/her knowledge by participating in education and / or training at a minimum in the field of law, accounting and secretarial practices.
PERSYARATAN SEKRETARIS PERUSAHAAN Sekretaris Perusahaan harus memenuhi persyaratan pada saat dicalonkan dan selama menjabat paling kurang: 1. Cakap melakukan perbuatan hukum; 2. Memiliki pengetahuan dan pemahaman di bidang hukum, keuangan, dan tata kelola perusahaan; 3. Memahami kegiatan usaha Perusahaan; 4. Dapat berkomunikasi dengan baik; dan
REQUIREMENTS FOR CORPORATE SECRETARY The Corporate Secretary shall meet the requirements at the time of nomination and during his/her tenure which at a minimum: 1. Capable of legal actions; 2. Possess knowledge and understanding in the fields of law, finance, and corporate governance; 3. Understand the Company's operations; 4. Able to communicate well; and
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 5. Berdomisili di Indonesia.
5. Domicile in Indonesia
ETIKA KERJA SEKRETARIS PERUSAHAAN Etika kerja Sekretaris Perusahaan dan pegawai dalam unit kerja yang menjalankan fungsi sekretaris perusahaan, paling kurang: 1. Menjaga kerahasiaan dokumen, data dan informasi yang bersifat rahasia kecuali dalam rangka memenuhi kewajiban sesuai dengan peraturan perundang-undangan. 2. Tidak mengambil keuntungan pribadi baik secara langsung maupun tidak langsung, yang merugikan Perusahaan.
WORK ETHICS OF THE CORPORATE SECRETARY Work ethic Corporate Secretary and employees in the work unit which perform the function of the secretary of the company, at least: 1. Maintain the confidentiality of documents, data and information that is confidential except in order to meet the obligations in accordance with the legislation. 2. Do not take personal advantage, either directly or indirectly, to the detriment of the Company.
TUGAS DAN TANGGUNG JAWAB Fungsi sekretaris perusahaan melaksanakan tugas dan tanggung jawab paling kurang: a. Membantu Direksi dan Dewan Komisaris dalam pelaksanaan tata kelola perusahaan yang meliputi: 1) Keterbukaan informasi kepada masyarakat termasuk ketersediaan informasi pada situs web perusahaan; 2) Penyampaian laporan kepada Otoritas Jasa Keuangan tepat waktu; 3) Penyelenggaraan dan dokumentasi Rapat Umum Pemegang Saham; 4) Penyelenggaraan dan dokumentasi rapat Direksi dan/atau Dewan Komisaris; 5) Pelaksanaan program orientasi terhadap perusahaan bagi Direksi dan/atau Dewan Komisaris b. Sebagai penghubung antara perusahaan dengan pemegang saham, Otoritas Jasa Keuangan, dan pemangku kepentingan lainnya; c. Mengikuti perkembangan Pasar Modal khususnya peraturan perundang-undangan yang berlaku di Pasar Modal; d. Memberikan masukan kepada Direksi dan
DUTIES AND RESPONSIBILITIES Functions of corporate secretary duties and responsibilities of at least: a. Assist the Board of Directors and the Board of Commissioners in the implementation of corporate governance include: 1) Disclosure of information to the public, including the availability of information on the company website; 2) Submission of a report to the Financial Services Authority on time; 3) The implementation and documentation of the GMS; 4) Implementation and documentation Board of Directors meetings and / or Board of Commissioners; 5) The orientation program of the company for the Board of Directors and / or Board of Commissioners. b. As a liaison between the company and shareholders, the Financial Services Authority, and other stakeholders; c. Following development of capital markets in particular the legislation applicable in the Capital Market; d. Provide input to the Board of Directors and
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II Dewan Komisaris untuk mematuhi ketentuan peraturan perundang-undangan di bidang Pasar Modal.
Board of Commissioners to comply with the laws and regulations in the capital market.
PELAPORAN DAN PENGUNGKAPAN 1. Bagi Perusahaan yang merupakan perusahaan terbuka wajib melaporkan kepada Otoritas Jasa Keuangan dan memuat dalam situs web Perusahaan mengenai pengangkatan dan pemberhentian Sekretaris Perusahaan dengan disertai informasi pendukung. 2. Penyampaian laporan kepada Otoritas Jasa Keuangan dan pemuatan informasi di atas dilakukan paling lambat 2 (dua) hari kerja setelah terjadi pengangkatan dan pemberhentian Sekretaris Perusahaan. 3. Sekretaris Perusahaan wajib membuat laporan pelaksanaan fungsi sekretaris perusahaan secara berkala kepada Direksi dan ditembuskan kepada Dewan Komisaris paling kurang 1 (satu) kali dalam setahun. 4. Perusahaan wajib mengungkapkan uraian singkat pelaksanaan fungsi sekretaris perusahaan dan informasi mengenai pendidikan dan/atau pelatihan yang diikuti sekretaris perusahaan dalam laporan tahunan.
REPORTING AND DISCLOSURE 1. For a company which is a listed company must report to the Financial Services Authority and the load on the Company's website on the appointment and dismissal of the Corporate Secretary, accompanied by supporting information. 2. Submission of a report to the FSA and the loading of the above information is made no later than two (2) working days after the appointment and dismissal of the Corporate Secretary. 3. The Corporate Secretary shall make a report the implementation of the corporate secretary function regularly to the Board and forwarded to the Board at least 1 (one) times a year. 4. The Company shall disclose a brief description of the implementation of the corporate secretary function and information about education and / or training undertaken by the corporate secretary in the annual report.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II FUNGSI MANAJEMEN RISIKO
RISK MANAGEMENT FUNCTION
Perusahaan wajib menerapkan manajemen risiko secara efektif paling kurang mencakup: a. Pengawasan aktif Dewan Komisaris dan Direksi; b. Kecukupan kebijakan, prosedur, dan penetapan limit manajemen risiko; c. Kecukupan proses identifikasi, pengukuran, pemantauan dan pengendalian risiko, serta sistem informasi manajemen risiko; dan d. Sistem pengendalian yang menyeluruh.
The Company must implement effective risk management which at a minimum includes: a. Active supervision of the Board of Commissioners and Board of Directors; b. The adequacy of policies, procedures, and limits of risk management; c. The adequacy of the process of identification, measurement, monitoring and risk control as well as risk management information system; and d. A comprehensive control system.
Penerapan Manajemen Risiko disesuaikan dengan tujuan, kebijakan usaha, ukuran dan kompleksitas usaha serta kemampuan perusahaan dengan mengacu pada kebijakan manajemen risiko terintegrasi
The implementation of Risk Management is adjusted to the purpose, business policy, size and complexity of the business and the company's ability by referring to the integrated risk management policy
TANGGUNG JAWAB DALAM MANAJEMEN RISIKO Perusahaan wajib menetapkan wewenang dan tanggung jawab yang jelas pada setiap jenjang jabatan yang terkait dengan penerapan manajemen risiko. 1. Dewan Komisaris Wewenang dan tanggung jawab Dewan Komisaris terkait dengan penerapan manajemen risiko sekurang-kurangnya: a. Menyetujui dan mengevaluasi kebijakan manajemen risiko; b. Melakukan pemantauan atas risiko dan mengevaluasi pertanggungjawaban Direksi atas pelaksanaan kebijakan manajemen risiko; c. Mengevaluasi dan memutuskan permohonan Direksi yang berkaitan dengan transaksi yang memerlukan persetujuan Dewan Komisaris; d. Mendelegasikan fungsi pemantauan
RESPONSIBILITY IN RISK MANAGEMENT The Company shall establish clear authorities and responsibilities at each position level associated with the implementation of risk management 1. Board of Commissioners The authorities and responsibilities of the BoC in relation to the implementation of risk management at a minimum are: a. Approve and evaluate the risk management policies; b. Monitor the risks and evaluat the accountabilities of the Board of Directors on the implementation of risk management policies; c. Evaluat and decide on the requests of Directors relating to transactions that require approval of the Board of Commissioners; d. Delegating risk monitoring function to
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II risiko kepada Komite Pemantau Risiko.
the Risk Monitoring Committee.
2. Direksi Wewenang dan tanggung jawab Direksi terkait dengan penerapan manajemen risiko sekurang-kurangnya: a. Menyusun kebijakan manajemen risiko secara tertulis dan komprehensif; b. Bertanggung jawab atas pelaksanaan kebijakan manajemen risiko dan eksposur risiko yang diambil perusahaan secara keseluruhan; c. Mengevaluasi dan memutuskan transaksi yang memerlukan persetujuan Direksi; d. Mengembangkan budaya manajemen risiko pada seluruh jenjang organisasi; e. Memastikan peningkatan kompetensi sumber daya manusia yang terkait dengan manajemen risiko; f. Memastikan bahwa fungsi manajemen risiko telah beroperasi secara independen; g. Melaksanakan kaji ulang secara berkala untuk memastikan: 1) Keakuratan metodologi penilaian risiko; 2) Kecukupan implementasi sistem informasi manajemen; dan 3) Ketepatan kebijakan, prosedur dan penetapan limit risiko.
2. Board of Directors The authorities and responsibilities of the Board of Directors related to the implementation of risk management at a minimum are: a. Develop a comprehensive written risk management policies; b. Responsible for the implementation of risk management policies and risk exposures of the company as a whole; c. Evaluate and decide which transactions require the approval of the Board of Directors; d. Develop a risk management culture at all levels of the organization; e. Ensure competency enhancement of human resources associated with risk management; f. Ensuring that the risk management functions operate independently; g. Carry out reviews on a regular basis to ensure: 1) The accuracy of risk assessment methodologies; 2) Adequacy of the implementation of management information systems; and 3) The accuracy of the policies, procedures and risk limits.
3. Komite Manajemen Risiko Anggota komite Manajemen Risiko terdiri dari Direksi dan Pejabat Eksekutif terkait. Wewenang dan tanggung jawab Komite Manajemen Risiko sekurang-kurangnya meliputi: a. Penyusunan kebijakan, strategi dan pedoman penerapan Manajemen Risiko; b. Penyempurnaan pelaksanaan
3. Risk Management Committee The Risk Management Committee consists of the concerned Directors and Executive Officers as members. The authorities and responsibilities of the Risk Management Committee at a minimum are: a. Develop policies, strategies and guidelines for implementation of Risk Management;
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II manajemen risiko berdasarkan hasil evaluasi pelaksanaannya; c. Penetapan hal-hal yang terkait dengan keputusan bisnis yang menyimpang dari prosedur normal.
b. Improvements in the implementation of risk management based on evaluation of its implementation; c. Determination of matters related to business decisions that deviate from normal procedures.
4. Satuan Kerja Manajemen Risiko a. Perusahaan wajib mempunyai Satuan Kerja Manajemen Risiko (SKMR) yang independen dari satuan kerja bisnis, operasional dan satuan kerja yang melaksanakan fungsi pengendalian intern. b. Struktur organisasi SKMR disesuaikan dengan ukuran dan kompleksitas kegiatan usaha Perusahaan c. Pimpinan SKMR bertanggung jawab langsung kepada Direktur Utama atau kepada Direktur yang ditugaskan secara khusus membawahkan fungsi Manajemen Risiko (Direktur Manajemen Risiko). d. Wewenang dan tanggung jawab Satuan Kerja Manajemen Risiko sekurangkurangnya meliputi: 1) Pemantauan pelaksanaan strategi manajemen risiko yang telah disetujui oleh Direksi; 2) Pemantauan posisi risiko secara keseluruhan per jenis risiko dan per jenis aktivitas fungsional serta melakukan stress testing; 3) Kaji ulang secara berkala terhadap proses manajemen risiko; 4) Pengkajian usulan aktivitas dan atau produk baru; 5) Evaluasi terhadap akurasi model dan validitas data yang digunakan untuk mengukur risiko; 6) Memberikan rekomendasi kepada
3. Risk Management Unit a. The Company shall have a Risk Management Unit (SKMR) which is independent of the business work units, operational and work units that carry out the functions of internal control. b. SKMR’s organizational structure is adjusted to the size and complexity of the Company's business activities. c. SKMR is directly responsible to the President Director or to the Director specifically in charge of the Risk Management function (Director of Risk Management) d. The authorities and responsibilities of the Risk Management Unit at a minimum include: 1) monitoring the implementation of risk management strategies that have been approved by the Board of Directors; 2) monitoring overall risk positions per risk type and per functional activity as well as the performance of stress testing; 3) Periodic review of the risk management process; 4) Assessment of new product and activity proposals; 5) Evaluation of the model's accuracy and validity of the data used to measure the risks;
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II satuan kerja operasional dan atau kepada komite manajemen risiko, sesuai kewenagan yang dimiliki; Menyusun dan menyampaikan laporan profil risiko kepada Direktur Utama atau direktur yang ditugaskan secara khusus dan komite manajemen risiko secara berkala
6) Provide recommendations to the operational unit or to the risk management committee, in accordance to its authorities; 7) Prepare and submit on a periodic basis the risk profile reports to the President Director or the assigned director and risk management committee.
KEBIJAKAN MANAJEMEN RISIKO Perusahaan wajib memiliki kebijakan dan strategi manajemen risiko secara tertulis dan komprehensif. Kebijakan manajemen risiko sekurang-kurangnya memuat: a. Penetapan risiko yang terkait dengan produk dan transaksi; b. Penetapan penggunaan metode pengukuran dan sistem informasi Manajemen Risiko; c. Penentuan limit dan penetapan toleransi risiko; d. Penetapan penilaian peringkat risiko; e. Penyusunan rencana darurat (contigency plan) dalam kondisi terburuk (worst case scenario); f. Penetapan sistem pengendalian intern dalam penerapan manajemen risiko.
RISK MANAGEMENT POLICY Companies are required to have comprehensive written policies and risk management strategies. Risk management policies at a minimum include the following: a. Determination of the risks associated with the products and transactions; b. Determination of methods of measurement and risk management information systems; c. Determination of limits and risk tolerance; d. Determination of risk ratings; e. Preparation of contingency plans under the worst case scenario; and, f. Determination of the internal control system in the implementation of risk management.
Perusahaan wajib melakukan kaji ulang kebijakan manajemen risiko secara berkala.
The Company is obliged to conduct periodic reviews of risk management policies.
PROSES IDENTIFIKASI, PENGUKURAN, PEMANTAUAN, DAN PENGENDALIAN RISIKO Identifikasi, pengukuran, pemantauan, dan pengendalian risiko merupakan bagian utama dari proses penerapan manajemen risiko.
IDENTIFICATION, MEASUREMENT, MONITORING AND RISKS CONTROL PROCESSES Identification, measurement, monitoring, and control of risks are major components of the risk management process.
Identifikasi risiko bersifat proaktif yang mencakup seluruh aktivitas bisnis Perusahaan yang dilakukan dalam rangka menganalisa
Proactive risk identification covering all of the Company's business activities are carried out in order to analyze the sources and possible risks
7)
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II sumber dan kemungkinan timbulnya risiko beserta dampaknya.
and their impacts.
Perusahaan melakukan pengukuran risiko sesuai dengan karakteristik dan kompleksitas kegiatan usaha. Dalam pemantauan terhadap hasil pengukuran risiko, perusahaan perlu menetapkan unit yang independen dari pihak yang melakukan transaksi untuk memantau tingkat dan tren serta menganalisis arah risiko.
The Company carries out risk measurement in accordance with the characteristics and complexity of its business activities. In monitoring the risk measurement results, the company needs to establish a unit independent of parties to a transaction to monitor and analyze the level and direction of risk trends.
Selain itu, efektivitas penerapan manajemen risiko perlu didukung oleh pengendalian risiko dengan mempertimbangkan hasil pengukuran dan pemantauan risiko. Perusahaan juga perlu mengembangkan sistem informasi manajemen yang disesuaikan dengan karakteristik, kegiatan dan kompleksitas kegiatan usaha.
In addition, the effectiveness of risk management needs to be supported by the control of risks, taking into account the risks measured and monitoring of risks. The Company also needs to develop a n information management system tailored to the characteristics, activities and business complexities.
SISTEM PENGENDALIAN INTERN Perusahaan wajib melaksanakan sistem pengendalian intern secara efektif terhadap pelaksanaan kegiatan usaha dan operasional pada seluruh jenjang organisasi perusahaan.
INTERNAL CONTROL SYSTEMS The Company shall implement effective internal control systems in the business activities and operations at all levels of the organization.
Pelaksanaan sistem pengendalian intern sekurangnya mampu secara tepat waktu mendeteksi kelemahan dan penyimpangan yang terjadi, serta mampu memastikan: a. Kepatuhan terhadap peraturan perundangundangan yang berlaku dan kebijakan intern perusahaan; b. Tersedianya informasi keuangan dan manajemen yang lengkap, akurat, tepat guna, dan tepat waktu; c. Efektivitas dan efisiensi dalam kegiatan operasional; dan d. Efeketivitas budaya risiko pada organisasi perusahaan secara menyeluruh
The implementation of the internal control system at a minimum must be able to timely detect weaknesses and deviations, as well as able to ascertain: a. Compliance with prevailing laws and regulations and the company's internal policies; b. Availability of financial and management information that is complete, accurate, appropriate, and timely; c. Effectiveness and efficiency of operations; and d. Effectiveness of the Company's risk culture in the organization as a whole
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II Sistem pengendalian intern dalam penerapan manajemen risiko mengacu pada kebijakan manajemen risiko terintegrasi.
Internal control system in the implementation of risk management is based on the integrated risk management policy.
PENILAIAN DAN LAPORAN PROFIL RISIKO Perusahaan wajib melakukan penilaian terhadap penerapan manajemen risiko perusahaan secara berkala dan menyusun laporan profil risiko perusahaan sesuai dengan jenis risiko yang dihadapi perusahaan secara individu maupun jenis risiko yang dihadapi sebagai bagian dari konglomerasi keuangan.
ASSESSMENT AND RISK PROFILE REPORT The Company must carry out an assessment of the implementation of enterprise risk management on a regular basis and prepare a report in accordance with the company's risk types faced by the Company individually or risks faced as part of a financial conglomerate.
Penyusunan dan penyampaian laporan profil risiko mengacu kepada peraturan sesuai sektor jasa keuangan perusahaan dan kebijakan manajemen risiko terintegrasi.
The preparation and submission of the risk profile report is based on the regulation pertaining to the Company's financial services sector and the integrated risk management policy.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II FUNGSI AUDIT INTERN
INTERNAL AUDIT FUNCTION
Perusahaan wajib membentuk Satuan Kerja Audit Intern yang independen yang bertanggungjawab untuk melaksanakan fungsi audit intern. Perusahaan harus menerapkan fungsi audit intern secara efektif.
The Company is required to establish an Internal Audit Unit independent and responsible for carrying out the internal audit function. Companies must implement effective internal audit functions.
STRUKTUR DAN KEDUDUKAN SATUAN KERJA AUDIT INTERN Satuan Kerja Audit Intern dipimpin oleh seorang Kepala Satuan Kerja Audit Intern yang diangkat dan diberhentikan oleh Direktur Utama dengan persetujuan Dewan Komisaris.
STRUCTURE AND POSITION OF INTERNAL AUDIT UNIT Internal Audit Unit is led by the Head of Internal Audit Unit who is appointed and dismissed by the President Director with the approval of the Board of Commissioners.
Kepala Satuan Kerja Audit Intern bertanggung jawab langsung kepada Direktur Utama dan harus membina hubungan fungsionalnya dengan Dewan Komisaris dan Komite Audit.
Head of Internal Audit is directly responsible to the President Director and must establish his/her functional relationships with the Board of Commissioners and the Audit Committee.
TUGAS DAN TANGGUNG JAWAB SATUAN KERJA AUDIT INTERN Tugas dan tanggung jawab Satuan Kerja Audit Intern sekurangnya mencakup: a. Menyusun dan melaksanakan rencana audit internal tahunan; b. Menguji dan mengevaluasi pelaksanaan pengendalian intern dan sistem manajemen risiko; c. Melakukan pemeriksaan dan penilaian efisiensi dan efektivitas di bidang keuangan, akuntasi, operasional, sumber daya manusia, pemasaran, teknologi informasi dan kegiatan lainnya; d. Memberikan saran perbaikan dan informasi yang obyektif tentang kegiatan yang diperiksa pada semua tingkat manajemen; e. Membuat laporan hasil audit dan menyampaikan laporan hasil audit kepada Direktur Utama dan Dewan Komisaris, serta Komite Audit;
DUTIES AND RESPONSIBILITIES OF INTERNAL AUDIT UNIT Duties and responsibilities of the Internal Audit Unit at a minimum include: a. Develop and implement an annual internal audit plan; b. Testing and evaluating the implementation of internal control and risk management systems; c. Audit and evaluate the efficiency and effectiveness of finance, accounting, operations, human resources, marketing, information technology and other activities; d. Suggest improvements and objective information on the activities examined at all levels of management; e. Prepare audit reports and submit the audit report to the President Director and the Board of Commissioners as well as the Audit Committee;
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II f.
Memantau, menganalisis dan melaporkan pelaksanaan tindak lanjut perbaikan yang telah disarankan; g. Menyusun program untuk mengevaluasi mutu kegiatan audit internal yang dilakukan; h. Melakukan pemeriksaan khusus apabila diperlukan.
f.
WEWENANG SATUAN KERJA AUDIT INTERN Satuan Kerja Audit Intern memiliki kewenangan paling kurang: a. Mengakses seluruh informasi yang relevan tentang perusahaan terkait dengan tugas dan fungsinya; b. Melakukan komunikasi secara langsung dengan Direksi, Dewan Komisaris, dan/atau Komite Audit; c. Mengadakan rapat secara berkala dan insidentil dengan Direksi, Dewan Komisaris dan/atau Komite Audit; dan d. Melakukan koordinasi kegiatannya dengan auditor eksternal.
AUTHORITIES OF INTERNAL AUDIT UNIT Internal Audit has the authorities which at a minimum are: a. Access all relevant information about the company related to the duties and functions; b. To communicate directly with the Board of Directors, Board of Commissioners, and / or the Audit Committee; c. Holding meetings on regular basis and on incidental basis with the Board of Directors, BoC and / or the Audit Committee; and d. To coordinate its activities with the external auditor.
PIAGAM AUDIT INTERN Satuan Kerja Audit Intern wajib memiliki Piagam Audit Intern ditetapkan oleh Direksi setelah mendapat persetujuan Dewan Komisaris.
INTERNAL AUDIT CHARTER Internal Audit Unit shall possess an Internal Audit Charter established by the BoD after obtaining the approval of the BoC.
Piagam Audit Internal paling kurang meliputi: a. Struktur dan kedudukan Satuan Kerja Audit Intern; b. Tugas dan tanggung jawab Satuan Kerja Audit Intern; c. Wewenang Satuan Kerja Audit Intern; d. Kode etik Satuan Kerja Audit Intern yang mengacu pada kode etik yang ditetapkan oleh Asosiasi Audit Intern yang ada di Indonesia atau kode etik Audit Intern yang lazim berlaku secara internasional; e. Persyaratan auditor yang duduk dalam Satuan Kerja Auditor Intern;
Internal Audit Charter at a minimum include: a. The structure and position of the Internal Audit Unit; b. Duties and responsibilities of the Internal Audit Unit; c. The authorities of the Internal Audit Unit; d. Internal Audit’s Code of Ethics based on the code of ethics established by the Association of Internal Audits in Indonesia or Internal Audit code of ethics commonly applicable internationally; e. Requirements for auditors within the Internal Audit Unit;
Monitor, analyze and report on the implementation of the suggested corrective actions; g. Develop a program to evaluate the quality of internal audit activities carried out; h. Conducting special inspections if required.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II f.
Pertanggungjawabah Satuan Kerja Auditor Intern; g. Larangan perangkapan tugas dan jabatan auditor dan pelaksana yang duduk dalam Satuan Kerja Auditor Intern.
f. Accountabilities of the Internal Auditor; g. Prohibitions on concurrent assignments and auditor positions and executives within the Internal Audit Unit.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II FUNGSI AUDIT EKSTERN
EXTERNAL AUDIT FUNCTION
Fungsi audit ekstern memiliki peranan penting dalam peningkatan kualitas dan kredibilitas informasi keuangan atau laporan keuangan perusahaan.
External audit function plays an important role in improving the quality and credibility of financial information or financial statements of the company.
Dalam pelaksanaan fungsi audit ekstern, Perusahaan wajib menyediakan semua catatan akuntansi dan data penunjang yang diperlukan bagi auditor ekstern sehingga memungkinkan auditor ekstern memberikan pendapatnya tentang kewajaran dan kesesuaian laporan keuangan perusahaan dengan standar audit yang berlaku.
In the implementation of the external audit function, the Company shall provide all accounting records and supporting data that are required by the external auditors so as to allow the external auditor to give his/her opinions on the fairness and appropriateness of the company's financial statements in line with the applicable audit standards.
PENUNJUKAN AUDITOR EKSTERN Dalam penunjukan auditor ekstern, perusahaan sekurangnya memperhatikan hal-hal sebagai berikut: 1. Akuntan Publik dan Kantor Akuntan Publik yang akan ditunjuk terdaftar di Otoritas Jasa Keuangan. 2. Penujukan Akuntan Publik dan Kantor Akuntan Publik sebagai auditor ekstern wajib terlebih dahulu memperoleh persetujuan Rapat Umum Pemegang Saham (RUPS) berdasarkan calon yang diajukan oleh Dewan Komisaris berdasarkan usulan Komite Audit. 3. Pencalonan auditor ekstern wajib disertai: a. Alasan pencalonan dan besarnya honorarium atau imbal jasa yang diusulkan untuk auditor ekstern tersebut; dan b. Pernyataan kesanggupan yang ditandatangani oleh auditor ekstern, untuk bebas dari pengaruh Direksi, Dewan Komisaris, Dewan Pengawas Syariah, dan pihak yang berkepentingan di Perusahaan dan kesediaan untuk
APPOINTMENT OF EXTERNAL AUDITOR In the appointing the external auditor, the company at a minimum must pay due considerations to the following: 1. Public Accountant and Public Accounting firm to be appointed is registered with the Financial Services Authority. 2. Appointment of Public Accountant and Public Accounting firm as external auditor requires the prior approval of the GMS based on the nomination by the Board of Commissioners which in turn is based on the recommendation of the Audit Committee. 3. The nomination of the external auditor shall be accompanied by: a. Reason for nomination and the honorarium or compensation proposed for the external auditor; and b. Commitment signed by the external auditor, to be free from the influence of the Board of Directors, Board of Commissioners, the Syariah Supervisory Board, and interested parties in the Company and willingness
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II memberikan informasi terkait dengan hasil auditnya kepada otoritas pengawas perusahaan. 4. Pemberian jasa audit dilakukan oleh Kantor Akuntan Publik paling lama untuk 6 (enam) tahun buku berturut-turut dan oleh seorang Akuntan Publik paling lama untuk 3 (tiga) tahun buku berturut-turut.
to provide information related to the results of the audit to the supervisory authority of the company. 4. The provision of audit services performed by a public accounting firm is for a maximum of 6 (six) consecutive fiscal years and for the Public Accountant a maximum of three (3) consecutive fiscal years.
TRANSPARANSI FUNGSI AUDIT EKSTERN
TRANSPARENCY OF THE EXTERNAL AUDIT FUNCTION In order to support the principle of transparency in the implementation of external audit functions, the Company is required to disclose in the implementation of corporate governance report, at a minimum the following: 1. The effectiveness of the implementation of the external audit; 2. The number of periods the Public Accountant and Public Accounting firm has conducted audits of the company's financial statements; 3. Other services provided (if any); and, 4. The amount of the fees for the services rendered by Public Accountant and Public Accounting firm.
Dalam rangka mendukung prinsip transparansi pelaksanaan fungsi audit ekstern, Perusahaan wajib mengungkapkan dalam laporan pelaksanaan tata kelola perusahaan, paling kurang: 1. Efektivitas pelaksanaan audit ekstern; 2. Jumlah periode Akuntan Publik dan Kantor Akuntan Publik melakukan audit leporan keuangan perusahaan; 3. Jasa lain yang diberikan (jika ada); dan 4. Besarnya fee untuk jasa yang diberikan oleh Akuntan Publik dan Kantor Akuntan Publik.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II V.KEBIJAKAN TERKAIT PENERAPAN TATA KELOLA PERUSAHAAN
V.POLICIES RELATED TO CG IMPLEMENTATION
PENGELOLAAN BENTURAN KEPENTINGAN
POLICY ON CONFLICT OF INTEREST
Kegiatan usaha Perusahaan tidak terlepas dari hubungan dan interaksi dengan pihak-pihak lain termasuk pihak terafiliasi yang kemungkinan terdapat potensi terjadinya situasi benturan kepentingan. Untuk itu, perusahaan perlu menerapkan pengelolaan atas benturan kepentingan secara konsisten dan berkesinambungan sesuai prinsip-prinsip Tata Kelola Perusahaan yang baik.
The Company's operations cannot be separated from the relationships and interactions with other parties, including affiliated parties with wihich there may be potential conflict of interest situations. As part of the implementation of GCG principles and to protect the interests of shareholders, the company is required to have a conflict of interest policy and affiliated transactions policy.
Benturan kepentingan (conflict of interest) adalah perbedaan antara kepentingan ekonomis perusahaan dengan kepentingan ekonomis pribadi Direktur dan Komisaris serta jajaran di bawahnya, pemegang saham atau pihak terafiliasi dari Direktur, Komisaris atau pemegang saham, yang dapat merugikan perusahaan.
Conflicts of interests is the disparity between the economic interests of the company and the personal economic interests of members of the Board of Directors, members of Board of Commissioners and employees, shareholders or affiliated parties of Directors, Commissioners or shareholders which are considered to be detrimental to the company.
Setiap anggota Direksi, anggota Dewan Komisaris dan Karyawan wajib menghindari terjadinya benturan kepentingan dengan tidak terlibat dalam pengambilan keputusan terhadap transaksi-transaksi yang memiliki potensi benturan kepentingan.
Each member of the Board of Directors, the Board of Commissioners and employees shall avoid conflicts of interests by not being involved in decision making on transactions with potential conflicts of interests.
Dalam pengelolaan benturan kepentingan, perusahaan menerapkan paling kurang : a. Proses identifikasi, mitigasi dan pengelolaan atas benturan kepentingan termasuk yang berasal dari transaksi dengan pihak afiliasi dan transaksi intra group;
In managing conflicts of interests, companies shall implement at minimum: a. The process of identification, mitigation and management of conflicts of interest including those resulting from transactions with affiliated parties and intra-group transactions; b. Prohibition for members of the BoD and members of the BoC to take actions are
b. Larangan bagi anggota Direksi dan anggota Dewan Komisaris mengambil tindakan yang
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II dapat merugikan atau mengurangi keuntungan perusahaan; c. Kewajiban mengungkapkan apabila terjadi benturan kepentingan dalam setiap pengambilan keputusan.
considered to be detrimental to the company; c. Obligation to disclose in the event of any conflict of interest in decision-making.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II KEPEMILIKAN DAN KERAHASIAAN INFORMASI
PROPRIETARY AND CONFIDENTIAL INFORMATION
Dalam penerapan prinsip transparansi yang dianut oleh Perusahaan tidak mengurangi kewajiban perusahaan untuk melindungi informasi milik perusahaan.
In application of the principle of transparency by the Company does not reduce the company's obligation to protect proprietary information.
Informasi milik perusahaan merupakan informasi yang berkaitan secara langsung atau tidak langsung dengan Perusahaan, diakui secara hukum sebagai informasi milik Perusahaan, termasuk dan tidak terbatas pada: 1. Informasi mengenai nasabah, kondisi keuangan, strategi perusahaan, gagasan, operasional, kepatuhan, kebijakan dan prosedur, rencana dan strategi bisnis dan pemasaran, serta informasi terkait lainnya; 2. Produk, karangan, program, laporan, kekayaan intelektual dan material serupa dalam bentuk apapun yang dimiliki Perusahaan; 3. Semua informasi yang merupakan hasil dari pembahasan dan kesepakatan baik secara langsung maupun tidak langsung dengan pihak pihak lainnya.
Proprietary information is information that relates directly or indirectly with the Company, either legally recognized as proprietary information of the Company, including but not limited to: 1. Information on customers, financial condition, company strategies, ideas, operations, compliance, policies and procedures, plans and business strategies and marketing, as well as other relevant information; 2. Products, essays, programs, reports, intellectual assets and other similar materials in any form owned by the Company; 3. All information which is the result of discussions and agreements either directly or indirectly with the other parties.
Perusahaan wajib mengamankan informasiinformasi penting dan rahasia yang karena nilai informasinya perlu dilindungi sesuai peraturan perundang-undangan, agar tidak terbuka untuk umum atau jatuh kepada pihak lain sehingga dapat merugikan Perusahaan.
The company must secure important and confidential information where such information needs to be protected in accordance to prevailing laws and regulations and so as such information is not disclose to the public or inappropriately falls into other parties’ hands which consequently may be adverse to the Company.
Penyalahgunaan informasi dapat berdampak terhadap reputasi perusahaan dan atau tuntutan hukum dari pihak-pihak yang dirugikan sehingga diperlukan pengelolaan informasi yang memadai.
Misuse of information can have an impact on the reputation of the company and or lawsuits from aggrieved parties and as such, a sound information management is required.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II KEBIJAKAN INVESTASI PRIBADI
PERSONAL INVESTMENTS POLICY
Sebagai bagian dari pelaksanaan tata kelola dan dalam upaya melindungi integritas perusahaan, Perusahaan mengatur mengenai kegiatan investasi pribadi yang dilakukan oleh Anggota Dewan Komisaris, Anggota Direksi dan Karyawan.
As part of the implementation of governance and in an effort to protect the integrity of the company, the Company must regulate the private investment activities carried out by the Board of Commissioners, Members of the Board of Directors and Employees.
Kegiatan investasi pribadi merupakan transaksi yang dilakukan oleh anggota Dewan Komisaris, anggota Direksi dan Karyawan yang berkaitan dengan pembelian atau penjualan surat berharga yang diartikan secara luas termasuk dan tidak terbatas pada surat berharga Perusahaan dan Kelompok Perusahaan.
Private investment activities are transactions conducted by members of the Board of Commissioners, Board of Directors and employees relating to the purchase or sale of securities which are broadly defined to include and not limited to the securities of the Company and companies within the group.
Kegiatan investasi pribadi wajib memenuhi prinsip-prinsip sebagai berikut: 1. Keputusan investasi pribadi yang dilakukan berdasarkan informasi yang tersedia untuk umum dan tidak didasarkan pada informasi non-publik; 2. Kegiataan investasi pribadi tidak dilakukan untuk tujuan spekulatif dan lebih diarahkan kepada investasi jangka panjang; 3. Kegiatan investasi pribadi dilakukan dengan tidak mengganggu tanggung jawab pekerjaaannya dan mangandung unsur konflik kepentingan; 4. Kegiatan investasi pribadi dilakukan dengan tidak memanfaatkan posisi/jabatan untuk mendapatkan perlakuan istimewa; 5. Kegiatan investasi pribadi tidak dilakukan melalui manipulasi pasar.
Private investment activities shall comply with the principles as follows: 1. Personal investment decision made based on information available to the public and not based on non-public information; 2. Private investments activities are not made for speculative purposes and geared more toward long-term investments; 3. The private investment activities may be carried out so long as such activities do not interfere with the incumbent’s job responsibilities and do not contain elements of conflicts of interests; 4. Private investment activities carried out by not mis-using the position / positions to obtain preferential treatments; 5. Private investment activities are not carried out through market manipulation.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II TRANSAKSI PIHAK TERKAIT DAN PIHAK TERAFILIASI
RELATED PARTY AND AFFILIATED PARTY TRANSACTIONS
Perusahaan wajib menerapkan prinsip kehatihatian dan manajemen risiko dalam melakukan transaksi dengan pihak terkait dan/atau pihak terafiliasi perusahaan.
The Company is required to apply the prudential principles and risk management in conducting transactions with related parties and / or the affiliated parties of the Company.
Transaksi antara Perusahaan dengan pihak terkait dan atau pihak terafiliasi wajib dilakukan secara wajar (arm’s length) dan berdasarkan pada persyaratan komersial yang normal.
Transactions between the Company and the related parties or affiliated parties must be made on an arm's length basis and based on normal commercial terms.
Perusahaan wajib memastikan bahwa semua transaksi dengan pihak terkait dan atau pihak terafiliasi dilakukan dengan metode dan proses sesuai prosedur yang berlaku secara umum tanpa memberikan perlakuan yang berbeda kepada pihak terkait dan atau pihak terafiliasi
The Company shall ensure that all transactions with related parties or affiliated parties made to the methods and processes according to the procedure generally applicable without giving a different treatment to related parties or affiliated parties
PENYEDIAAN DANA KEPADA PIHAK TERKAIT Pihak Terkait merupakan perseorangan atau perusahaan yang mempunyai hubungan pengendalian dengan Perusahaan, baik secara langsung maupun tidak langsung melalui hubungan kepemilikan, kepengurusan , dan atau keuangan.
PROVISION OF FUNDS TO RELATED PARTIES A Related Party is an individual or company that has a controlling relationship with the Company, either directly or indirectly through ownership, management, or financial relationship.
Penyediaan dana yang diberikan kepada pihak terkait dan atau pihak lain yang memiliki kepentingan terhadap Perusahaan wajib berpedoman pada kebijakan dan prosedur mengenai penyediaan dana. Kebijakan dan prosedur penyediaan dana paling kurang mencakup: standar dan kriteria untuk melakukan seleksi dan penilaian kelayakan penerima dana; standar dan kriteria penetapan limit; serta sistem informasi manajamen dan sistem pemantauan penyediaan dana.
Provision of funds to related parties or other parties who have an interest in the Company shall be guided by the policies and procedures regarding the provision of funds. Policies and procedures for the provision of funds at a minimum include standards and criteria for the selection and assessment of the worthiness of the borrower; standards and criteria for determination of limits; and management information systems and monitoring systems on provision of funds.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II WHISTLE-BLOWING SYSTEM
WHISTLE-BLOWING SYSTEM
Whistle-blowing System merupakan suatu sistem yang disediakan bagi karyawan, nasabah atau pihak lainnya untuk mengungkapkan atau melaporkan suatu kejadian atau tindakan pelanggaran yang terjadi kepada manajemen perusahaan.
Whistle-blowing system is a system available for employees, customers or other parties to disclose or report an event or violation to the management of company.
KEBIJAKAN WHISTLE-BLOWING Perusahaan wajib menerapkan whistle-blowing system yang sekurangnya meliputi hal-hal sebagai berikut: 1. Perlindungan Bagi Pelapor Perusahaan wajib memberikan perlindungan kepada pelapor, guna menumbuhkan rasa aman dan mendorong pelapor untuk berani melaporkan pelanggaran.
WHISTLE-BLOWING POLICY The Company shall implement a whistleblowing system which at a minimum includes:
2. Kerahasiaan Perusahaan wajib menjamin rahasia identitas pelapor dan seluruh informasi yang dilaporkan oleh pelapor (wistleblower). 3. Cakupan Pelaporan Tindakan pelanggaran yang dapat dilaporkan antara lain adalah: a. Fraud (Internal atau Eksternal Fraud); b. Pelanggaran hukum; c. Kesalahan operasional yang signifikan; d. Pelanggaran peraturan perusahaan; e. Pelanggaran kode etik; f. Pelanggaran benturan kepentingan. 4. Mekanisme Pengaduan dan Pihak Yang Mengelola Pengaduan Perusahaan wajib menunjuk pihak atau satuan kerja yang menangani dan mengelola pengaduan. Pihak atau satuan kerja yang ditunjuk dapat berasal dari satuan kerja audit internal, sumber daya manusia, dan atau satuan kerja kepatuhan.
1. Protection of Whistleblower The Company shall provide protection to the whistleblower, in order to foster a sense of security and encourage the whistleblowers to dare to report the violations. 2. Confidentiality The Company shall ensure the identity of the whistleblower and all the information reported by the whistleblower are kept confidential. 3. Coverage Reporting Violations that may be reported are: a. Frauds (Internal and External frauds) b. Violation of Law c. Significant operational errors d. Violation of company regulations e. Violation of the code of ethics f. Violation of conflict of interest 4. Complaints Mechanism and Party Managing the Complaints Company shall appoint a party or unit that handle and manage complaints. Appointed parties or unit may be the internal audit unit, human resources, and compliance unit.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 5. Media atau Sarana Pelaporan Perusahaan wajib menyediakan media atau sarana pelaporan yang dapat digunakan oleh pelapor baik berupa media email, faksimil, telpon atau sarana lain yang disediakan perusahaan.
5. Media Reporting The Company must provide the media or reporting tool that can be used by the whistleblower which include emails, facsimile, telephone or other means provided by the company.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II KEBIJAKAN PENGADAAN
PROCUREMENT POLICY
Perusahaan wajib memastikan bahwa barang dan/atau jasa yang diperlukan diperoleh dengan harga yang kompetitif dan memiliki kualitas yang baik. Untuk itu diperlukan kebijakan yang mengatur mengenai prinsip-prinsip pengadaan dalam perusahaan.
The Company shall ensure that the goods and/or services required are obtained at competitive prices and of good qualities. As such, a policy that governs the principles of procurement in the company.
Kebijakan pengadaan sekurangnya mengatur mengenai mekanisme pengadaan barang dan/atau jasa dan kriteria yang diperlukan dalam memilih pemasok.
The procurement policy at a minimum governs the mechanisms of procurement of goods and / or services and the necessary criteria in the selection of suppliers.
PRINSIP UTAMA PENGADAAN BARANG DAN/ATAU JASA 1. Kegiataan pengadaan barang dan/atau jasa dilakukan hanya untuk kepentingan perusahaan; 2. Pengadaan dilakukan secara masuk akal, dapat dipertanggungjawabkan, dan dilakukan dengan menerapkan pengelolaan biaya dengan prinsip kewajaran; 3. Proses pengadaan barang dan/atau jasa harus berdasarkan persaingan yang sehat;
THE MAIN PRINCIPLES FOR PROCUREMENT OF GOODS AND/OR SERVICES 1. Procurement of goods and/or services is carried out only for the interests of the company; 2. Procurement shall be done on a reasonable basis, justifiable, and is done by implementing cost management with the principle of fairness; 3. The process of procurement of goods and/or services must be based on the fair competition; 4. Any procurement shall be done on a transparant and accountable basis; 5. The protection of confidential information provided to the company and vice versa.
4. Setiap pengadaan dilakukan secara terbuka dan dapat dipertanggungjawabkan; 5. Perlindungan terhadap kerahasiaan informasi yang diberikan kepada perusahaan dan sebaliknya. ETIKA KERJA PENGADAAN Pelaksana pengadaan wajib bertindak dan bekerja sesuai standar etika, antara lain: 1. Melaksanakan dan memegang teguh kejujuran; 2. Mematuhi peraturan perundang-undangan dan ketentuan internal perusahaan; 3. Tidak mengambil manfaat atas kesalahan vendor;
WORK ETHICS OF PROCUREMENT Persons responsible for procurement shall act and work according to ethical standards, among others: 1. Honesty; 2. Comply with laws and regulations and internal policies of the company; 3. Do not take advantage of the vendors’ mistakes;
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II 4. Tidak menyediakan informasi yang dapat memberikan keuntungan kepada salah satu vendor; 5. Tidak menerima hadiah, barang, komisi berupa uang tunai atau sejenisnya; 6. Tidak melakukan kegiatan pinjam meminjam dengan vendor; 7. Menghindari jamuan makan dengan vendor; 8. Menghindari konflik kepentingan dan tidak memanfaatkan hubungan dengan vendor untuk keperluan pribadi.
4. Do not provide information that may give an advantage to one of the vendors; 5. Do not accept gifts, goods, commissions in the form of cash or in-kind; 6. Do not provide borrowing facilities for vendors; 7. Avoid entertainment by vendors; 8. Avoiding conflicts of interests and avoid taking advantage of a relationship with the vendor for personal interests.
SELEKSI DAN EVALUASI VENDOR/PEMASOK Dalam proses pengadaan, perusahaan wajib melakukan penilaian terhadap kriteria, kinerja dan kelayakan vendor. Pemilihan vendor dapat dilakukan melalui penunjukan langsung, pemilihan langsung, tender kompetitif, dan/atau e-auction. Metode pemilihan vendor dapat dilakukan sesuai dengan kebijakan perusahaan.
SELECTION AND EVALUATION OF VENDORS/ SUPPLIERS In the procurement process, companies are required to conduct an assessment of the criteria, the performance and worthiness of the vendors. Vendor selection can be done through direct appointment, direct elections, competitive bidding, and / or e-auction. Vendor selection method can be carried out in accordance with company policy.
Evaluasi kinerja vendor dilakukan terhadap seluruh vendor yang terikat Perjanjian Kerjasama secara periodik minimal 1 tahun sekali.
Vendor performance evaluation must be conducted on all the vendors with Cooperation Agreements periodically at a minimum once a year.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II KEBIJAKAN REMUNERASI
REMUNERATION POLICY
Sistem Remunerasi Perusahaan berkaitan erat dengan asas akuntabilitas serta kewajaran dan kesetaraan. Remunerasi terdiri dari gaji, bonus, tantiem, fasilitas, representasi, dan remunerasi berbasis saham.
Remuneration system of the Company is closely related to the principle of accountability and fairness. Remuneration consists of salaries, bonuses, tantieme, facilities, representations, and stock-based remuneration.
DASAR PENETAPAN REMUNERASI Dalam penetapan remunerasi, perusahaan wajib memperhatikan hal-hal sebagai berikut : 1. Sistem Remunerasi a. Penetapan remunerasi harus merefleksikan kinerja korporasi dan prestasi kerja individu secara proporsional. b. Penetapan remunerasi harus memperhatikan kewajaran dengan peer group, industri sejenis dan profil risiko perusahaan. c. Sistem remunerasi cukup menarik untuk mempertahankan sumber daya manusia yang berkualitas. 2. Rentang Remunerasi a. Rentang remunerasi antar satu jabatan dengan jabatan lainnya ditetapkan secara wajar sesuai dengan tanggung jawab jabatan yang bersangkutan. b. Rentang remunerasi antara yang tertinggi dengan terendah harus diungkapkan secara terbuka. 3. Besaran Remunerasi a. Besaran remunerasi harus disesuaikan dengan kemampuan keuangan perusahaan dengan mempertimbangkan sasaran dan strategi jangka panjang perusahaan. b. Besaran gaji menurut ketentuan yang berlaku tidak boleh diturunkan, oleh karena itu penetapan besaran gaji harus memperhatikan sustainability
BASIS DETERMINATION OF REMUNERATION In determining the remuneration, the company must provide consideration to the following: 1. Remuneration System a. Determination of remuneration must reflect the corporate’s performance and individual’s performance proportionally. b. Remuneration must consider the reasonableness of the peer group, similar industries and the company's risk profile. c. Remuneration system attractive enough to retain qualified human resources. 2. Range of Remuneration a. Remuneration for a position and for another position is determined based on fairness in line with the responsibilities of the position. b. The range between the highest remuneration to the lowest must be disclosed publicly. 3. Amount of Remuneration a. The amount of remuneration must be tailored to the company's financial ability in consideration of the longterm goals and strategies of the company. b. Salary scale according to the applicable provisions may not be lowered, as such, the determination of the amount of salary must take into consideration
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II perusahaan. REMUNERASI DEWAN KOMISARIS DAN DIREKSI 1. Penetapan remunerasi Dewan Komisaris dan Direksi direkomendasikan oleh Komite Remunerasi. 2. Penyusunan struktur, kebijakan, dan besaran remunerasi Direksi dan Dewan Komisaris oleh Komite Remunerasi harus memperhatikan sekurangnya: a. Remunerasi yang berlaku pada industri sesuai dengan kegiatan usaha sejenis dan skala usaha dari Perusahaan dalam industrinya; b. Tugas, tanggung jawab, dan wewenang anggota Direksi dan/atau anggota Dewan Komisaris dikaitkan dengan pencapaian tujuan dan kinerja perusahaan; c. Target kinerja atau prestasi kerja masing-masing anggota Direksi dan/atau anggota Dewan Komisaris; d. Pertimbangan sasaran dan strategi jangka panjang perusahaan; dan e. Keseimbangan tunjangan antara yang bersifat tetap dan bersifat variabel. 3. Struktur, kebijakan, dan besaran Remunerasi Direksi dan Dewan Komisaris harus dievaluasi secara berkala.
the sustainability of the company REMUNERATION OF THE BOC AND BOD 1. Remuneration for the Board of Commissioners and Board of Directors is recommended by the Remuneration Committee. 2. The structure, policies, and remuneration of Directors and Board of Commissioners by the Remuneration Committee shall take into consideration at a minimum: a. Remuneration in the industry in line with similar business activities and scale of business of the Company in the industry; b. Duties, responsibilities, and authorities of members of the BoD and / or members of the BoC is associated with the achievement of the goals and performance of the company; c. Target performance or work performance of each member of the BoD and / or members of the BoC; d. Consideration of the long term goals and strategies of the company; and, e. A balance between the fixed and variable allowances. 3. The structure, policies, and amount of remuneration of BoD and BoC must be evaluated regularly.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II HUBUNGAN DENGAN PEMANGKU KEPENTINGAN
RELATIONSHIP WITH STAKEHOLDERS
Pemangku kepentingan (selain pemegang saham) merupakan para pihak yang peran dan kepentingannya baik langsung maupun tidak langsung terpengaruh dan atau mempengaruhi pelaksanaan tata kelola Perusahaan.
Stakeholders (other than shareholders) are parties whose interests, either directly or indirectly are affected or affect the implementation of corporate governance.
Pemangku kepentingan tersebut antara lain terdiri dari negara, otoritas pengawas perusahaan, nasabah, perusahaan lain, mitra bisnis, profesi penunjang, asosiasi perusahaan, asosiasi lainnya dan pegawai perusahaan.
The stakeholders amongst others consist of countries, the supervisory authorities of the company, customers, other companies, business partners, professions, trade associations, other associations and employees of the company.
Hubungan antara perusahaan dengan pemangku kepentingan berjalan dengan baik, perlu diperhatikan prinsip dasar sebagai berikut: 1. Terhadap negara, perusahaan harus mentaati ketentuan perundang‐undangan dan hukum serta penyelenggara negara. 2. Terhadap pengatur dan pengawas, perusahaan berkewajiban untuk patuh terhadap ketentuan perundang‐undangan dan memelihara kesehatan perusahaan dalam rangka melindungi kepentingan nasabah dan bermanfaat untuk perekonomian nasional. 3. Terhadap nasabah, perusahaan berkewajiban untuk melindungi dan memberikan pelayanan sesuai dengan kebutuhan, serta berkewajiban memelihara hubungan yang saling menguntungkan. Sementara itu, nasabah berkewajiban melakukan hubungan bisnis yang beretika dan mematuhi peraturan yang berlaku serta berpartisipasi dalam kontrol sosial secara obyektif terhadap pelaksanaan GCG di dalam perusahaan. 4. Terhadap perusahaan lain, perusahaan harus
For a good relationship between the company and its stakeholders, the following basic principles must be observed: 1. With respect to the Country, companies must comply with the laws and regulations as well as the state officials. 2. With respect to the regulator and supervisor, the company is obliged to comply with the laws and regulations and maintaining the soundness of the company in order to protect the interests of customers and to be beneficial to the national economy. 3. With respect to customers, the company is obliged to protect and provide services in line with the needs, as well as obliged to maintain mutually beneficial relationships. Customers are obliged to do business ethically and comply with applicable laws and regulations and participate in social control objectively with regards to the implementation of GCG in the company.
4. With respect to other companies, the
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II
5.
6.
7.
8.
dapat menjaga persaingan secara sehat dengan tetap dimungkinkan melakukan kerjasama bisnis yang sesuai dengan prinsip GCG. Terhadap mitra bisnis, perusahaan harus bekerjasama untuk kepentingan kedua belah pihak atas dasar prinsip saling menguntungkan yang sesuai dengan prinsip GCG. Terhadap pegawai, perusahaan harus menjamin tidak terjadinya diskriminasi berdasarkan suku, agama, ras, golongan, dan jenis kelamin (gender) serta terciptanya perlakuan yang adil dan jujur dalam mendorong perkembangan pegawai sesuai dengan potensi, kemampuan, pengalaman dan ketrampilan masing‐masing. Sementara itu, pegawai wajib melaksanakan tugasnya secara profesional dan bersungguh‐sungguh dengan integritas yang tinggi. Terhadap profesi penunjang, perusahaan dalam menggunakan jasanya harus secara objektif dan tidak melakukan intervensi yang dapat mengganggu profesionalisme dan etika profesi dalam melaksanakan tugasnya. Terhadap asosiasi perusahaan, perusahaan wajib mengikuti ketentuan yang dikeluarkan dan memenuhi kewajiban yang ditetapkan oleh asosiasi, serta mendorong pejabatnya untuk menjadi anggota serta mentaati ketentuan dan kode etik yang dikeluarkan serta memenuhi kewajiban yang ditetapkan oleh asosiasi yang bersangkutan.
company should be able to maintain a healthy competition whilst conducting business cooperations in accordance with the principles of GCG. 5. With respect to business partners, companies must cooperate for the interests of both parties on the basis of the principle of mutual benefits in accordance with the principles of GCG. 6. With regard to employees, companies must ensure that no discrimination exists based on ethnicity, religion, race, class, and gender as well as ensuring fair and honest treatments in encouraging the development of employees in line with the potential, ability, experience and skills of each employee. Meanwhile, the staff shall carry out their duties professionally and with high integrity. 7. With respect to supporting professionals, companies using such services must be objective and must not intervene so as to disrupt the professionalism and professional ethics of the professionals performing their duties. 8. With respect to the association of the company, the company must comply with rules issued and fulfill the obligations set by the association, as well as encourage the executive officers to become members, and observe the rules and code of ethics issued and fulfill the obligations set by the association concerned.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II TRANSPARANSI DAN KETERBUKAAN INFORMASI
TRANSPARENCY AND DISCLOSURE OF INFORMATION
Perusahaan wajib menerapkan transparansi dan keterbukaan informasi sebagai salah satu pilar penting dalam penerapan tata kelola perusahaan yang baik.
The Company is required to apply the transparency and disclosure of information as one of the important pillars in the application of good corporate governance.
Penerapan transparansi dan keterbukaan informasi dilakukan melalui penyediaan informasi kuantitatif dan kualitatif yang tepat waktu, akurat, relevan dan memadai.
Application of transparency and disclosure of information is done through the provision of timely, accurate, relevant and adequate qualitative and quantitative information.
Transparansi dan keterbukaan informasi dapat mempermudah pengguna informasi dalam menilai kondisi keuangan, kinerja, profil risiko dan penerapan manajemen risiko, aktivitas bisnis perusahaan, serta informasi terkait lainnya.
Transparency and disclosure of information can help users in assessing the financial condition, performance, risk profile and risk management, the company's business activities, as well as other relevant information.
TRANSPARANSI DAN KONDISI KEUANGAN DAN NON KEUANGAN Perusahaan wajib mengungkapkan kondisi keuangan dan non keuangan kepada pemangku kepentingan. Pengungkapan informasi mengenai kondisi keuangan dilakukan antara lain melalui laporan publikasi yang sekurangnya berisi laporan keuangan, kinerja keuangan dan informasi lain yang disajikan dalam mata uang rupiah secara berkala.
TRANSPARENCY AND FINANCIAL AND NONFINANCIAL CONDITIONS The company must disclose both financial and non-financial conditions to stakeholders. Disclosure of information concerning the financial condition is done through the publication of a report which at least contains the financial statements, financial performance and other information presented in rupiah on a regular basis.
Pengungkapan informasi non keuangan mencakup kepengurusan dan kepemilikan perusahaan, perkembangan usaha, kelompok usaha, strategi dan kebijakan manajemen, laporan manajemen, serta informasi material lainnya.
Disclosure of non-financial information include the management and ownership of the company, business development, business groups, strategies and management policies, management reports, as well as other material information.
TRANSPARANSI INFORMASI PRODUK PENGGUNAAN DATA NASABAH 1. Informasi Produk
PRODUCT INFORMATION TRANSPARENCY AND USE OF CUSTOMER DATA 1. Product Information
DAN
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II Transparansi informasi mengenai produk merupakan salah satu upaya untuk memberikan kejelasan kepada nasabah mengenai manfaat dan risiko yang melekat pada produk. Perusahaan wajib menyediakan atau menyampaikan informasi mengenai produk dan atau layanan yang akurat, jujur, jelas dan tidak menyesatkan yang dituangkan dalam dokumen atau sarana lain yang dapat digunakan sebagai alat bukti dalam bahasa Indonesia. Informasi yang disampaikan harus harus terkini dan mudah diakses oleh nasabah. 2. Informasi Nasabah Perusahaan dilarang dengan cara apapun memberikan data dan/atau informasi mengenai konsumennya kepada pihak ketiga, kecuali konsumen telah memberikan persetujuan tertulis; dan/atau diwajibkan oleh peraturan perundang-undangan. Dalam hal perusahaan memperoleh data dan/atau informasi pribadi seseorang dan/atau sekelompok orang dari pihak lain dan akan menggunakan data dan/atau informasi tersebut untuk melaksanakan kegiatannya maka wajib memiliki pernyataan tertulis bahwa pihak pemberi data dan/atau informasi telah memperoleh persetujuan tertulis.
Transparency of information about products is one attempt to provide clarity to customers about the benefits and risks inherent in the products. The Company shall provide or convey information about the product or service that is accurate, fair, clear and not misleading as outlined in the document or other means that can be used as evidence in the Indonesian language. The information submitted must be current and easily accessible by customers. 2. Customer Information The Company is prohibited in any way to provide data and / or information regarding its customers to any third party, unless the customers have given written consents; and / or required by laws and regulations. In the event the Company obtains data and / or personal information and / or group of people from the other parties and will use the data and / or information to carry out activities, the Company must obtain a written statement that the provider of the data and / or information has obtained the prior written consent.
SITUS WEB PERUSAHAAN Perusahaan wajib memiliki situs web perusahaan untuk mempermudah akses bagi pemegang saham dan pemangku kepentingan lainnya atas informasi perusahaan yang aktual dan terkini.
COMPANY WEBSITE The Company shall have a company website to facilitate access for shareholders and other stakeholders on information on the Company that is actual and current.
Situs Web perusahaan harus memuat informasi mengenai perusahaan yang terbuka untuk umum, aktual dan terkini yang disajikan dalam Bahasa Indonesia dan bahasa Inggris.
The company website must contain actual and current information about the company that is available for the public and presented in Indonesian and English.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II Informasi yang dimuat dalam Situs Web perusahaan harus disajikan dengan benar, tidak menyesatkan dan jelas, serta dapat diakses oleh semua pihak. Informasi yang wajib dimuat dalam Situs Web perusahaan paling kurang: a. Informasi umum mengenai perusahaan; b. Informasi bagi pemodal atau investor; c. Informasi mengenai tata kelola perusahaan; dan d. Informasi mengenai tanggung jawab sosial perusahaan.
The information contained in the company's website must be presented correctly, not misleading, and clear as well as accessible by all parties. Information to be posted on the company's website at least: a. General information about the company; b. Information for investors or investors; c. Information on corporate governance; and d. Information on corporate social responsibility.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II RENCANA STRATEGIS PERUSAHAAN
STRATEGIC PLANS OF THE COMPANY
Perusahaan wajib menyusun rencana strategis dalam bentuk rencana korporasi dan rencana bisnis.
The Company shall draw up a strategic plan in the form of corporate plan and business plan.
RENCANA KORPORASI Rencana korporasi merupakan rumusan mengenai tujuan dan sasaran yang hendak dicapai oleh perusahaan dalam jangka panjang.
CORPORATE PLAN Corporate plan is the formulation of objectives and targets to be achieved by the company in the long term.
RENCANA BISNIS Rencana bisnis merupakan rencana kegiatan usaha perusahaan dalam jangka pendek (1 tahun) termasuk rencana untuk meningkatkan kinerja usaha serta strategi untuk merealisasikan rencana tersebut dengan tetap memperhatikan prinsip kehati-hatian dan penerapan manajemen risiko. Dalam hal perusahaan memiliki kegiatan usaha berdasarkan prinsip Syariah maka rencana bisnis mencakup rencana bisnis bagi kegiatan usaha Syariah.
BUSINESS PLAN A business plan is a short term (1 year) plan for the company, including a plan to improve the business performance and strategy to realize the plan by taking into account the prudential principles and risk management. In case the company has business activities based on Syariah principles, the business plan includes a business plan for the Syariah business activities.
Perusahaan wajib menyusun rencana bisnis tahunan dan disampaikan kepada Otoritas Jasa Keuangan.
The Company shall prepare an annual business plan and submitted to the Financial Services Authority.
Rencana bisnis tahunan, paling sedikit mencakup: a. Ringkasan eksekutif; b. Kebijakan dan strategi manajemen; c. Penerapan manajemen risiko dan kepatuhan; d. Penerapan tata kelola perusahaan yang baik; e. Kinerja keuangan perusahaan periode sebelumnya; f. Proyeksi laporan keuangan beserta asumsi yang digunakan; g. Proyesi rasio-rasio dan tingkat kesehatan keuangan; h. Rencana pengembangan kegiatan usaha,
The annual business plan, at a minimum includes: a. An executive summary; b. Policies and management strategies; c. Application of risk management and compliance; d. The application of good corporate governance; e. Financial performance of the previous period; f. Projected financial statements along with the assumptions used; g. Projected ratios and financial soundness; h. The development plan of business
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II penerbitan produk dan/atau pelaksanaan aktivitas baru; i. Rencana pengembangan dan/atau perubahan jaringan kantor; j. Rencana permodalan; k. Rencana pendanaan; l. Rencana penanaman dana; m. Rencana pengembangan organisasi dan sumber daya manusia; dan n. Informasi lainnya
activities, the issuance of products and / or implementation of new activities; i. Development plans and / or changes in the branch network; j. Capital plan; k. Financing plans; l. Investment plans; m. Organizational development plans and human resources; and n. other information
Direksi wajib melaksanakan rencana bisnis perusahaan secara efektif dan mengkomunikasikan rencana bisnis tersebut kepada pemegang saham dan seluruh jenjang organisasi yang ada di perusahaan.
The Board of Directors shall execute the business plan effectively and communicate the business plan to the shareholders and all levels of the organization in the company.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II TANGGUNG JAWAB SOSIAL PERUSAHAAN
CORPORATE SOCIAL RESPONSIBILITY
Tanggung jawab sosial merupakan salah satu aspek penting dari kontribusi perusahaan dalam rangka menjaga dan meningkatkan kualitas sumber daya alam dan lingkungan.
Social responsibility is one important aspect of the company's contributions in maintaining and improving the quality of natural resources and the environment.
Dalam pelaksanaan tanggung jawab sosial dan lingkungan, perusahaan perlu menganggarkan dan menyusun rencana kegiatan dan program tanggung jawab sosial dengan memperhatikan asas kepatutan dan kewajaran.
In the implementation of social and environmental responsibility, companies need to budget and plan for activities and social responsibility programs with due regard to the principles of merit and fairness.
Pelaksanaan tanggung jawab sosial dimuat dalam laporan tahunan atau laporan tersendiri yang sekurangnya mencakup kebijakan, jenis program dan biaya yang dikeluarkan antara lain terkait aspek: 1. Lingkungan hidup, seperti penggunaan material energi yang ramah lingkungan, sertifikasi di bidang lingkungan dan lain-lain;
Implementation of social responsibility incorporated in the annual report or in a separate report that at least covers the policy, the type of programs and the costs incurred inter alia related to: 1. The environment, such as the use of environmentally friendly energy materials, certification in the field of environment and others; 2. Labor, health and safety practices such as gender equality and equal employment opportunities, infrastructure and safety, the level of employees turnover, training and others; 3. Social Development, such as the use of local labor, community development around the company, improvement of social infrastructure, other donations and others; 4. The responsibility of products, such as product information, facilities, number and countermeasures on consumer complaints, and others.
2. Praktik ketenagakerjaan, kesehatan dan keselamatan kerja seperti kesetaraan gender dan kesempatan kerja, sarana dan keselamatan kerja, tingkat perpindahan karyawan, pelatihan dan lain-lain; 3. Pengembangan sosial dan kemasyarakatan, seperti penggunaan tenaga kerja lokal, pemberdayaan masyarakat di sekitar perusahaan, perbaikan sarana dan prasarana sosial, bentuk donasi lainnya dan lain-lain; 4. Tanggung jawab produk, seperti informasi produk, sarana, jumlah dan penanggulangan atas pengaduan konsumen, dan lain-lain.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II VI.PENILAIAN DAN LAPORAN PENILAIAN SENDIRI DAN LAPORAN PENERAPAN TATA KELOLA PERUSAHAAN
VI.ASSESSMENT AND REPORTING SELF ASSESSMENT AND IMPLEMENTATION OF CORPORATE GOVERNANCE REPORT
PENILAIAN SENDIRI (SELF ASSESSMENT) a. Perusahaan wajib melakukan penilaian sendiri atas penerapan tata kelola perusahaan secara berkala sekurangnya 6 bulan sekali; b. Penilaian sendiri dilakukan dengan menyusun analisis kecukupan dan efektivitas pelaksanaan prinsip-prinsip GCG terhadap ketiga aspek tata kelola, yaitu governance structure, governance process dan governance outcome;
SELF ASSESSMENT a. Companies are required to conduct their own assessments on the implementation of corporate governance on a regular basis at a minimum on 6 monthly basis; b. Self-assessment carried out by preparing the analysis of the adequacy and effectiveness of the implementation of the principles of good corporate governance with regards to three aspects of governance; namely, governance structure, governance process and governance outcomes; c. The assessment is outlined in the GCG Self Assessment Working Paper in line with the guidelines on integrated assessment and / or assessment based on the guidelines issued by the appropriate regulation in the financial services sector.
c. Penilaian dituangkan dalam Kertas Kerja Penilaian Sendiri Pelaksanaan GCG sesuai pedoman penilaian secara terintegrasi dan/atau berdasarkan pedoman penilaian yang diterbitkan oleh peraturan sesuai sektor jasa keuangan Perusahaan. LAPORAN PENERAPAN TATA KELOLA PERUSAHAAN a. Perusahaan wajib menyusun laporan penerapan tata kelola perusahaan pada setiap akhir tahun buku; b. Laporan penerapan tata kelola perusahaan, paling sedikit terdiri dari: 1) Transparansi penerapan tata kelola perusahaan paling kurang meliputi pengungkapan seluruh aspek pelaksanaan prinsip tata kelola, antara lain : a) Pelaksanaan tugas dan tanggung jawab Dewan Komisaris, Direksi dan Dewan Pengawas Syariah (jika ada);
IMPLEMENTATION REPORT ON CORPORATE GOVERNANCE a. The Company shall prepare a report on the implementation of corporate governance at each financial year end; b. Report of implementation of corporate governance, comprises at a minimum the following: 1) Transparency on the implementation of corporate governance at a minimum to include the disclosure of all aspects of the implementation of good governance principles, among others: a) The duties and responsibilities of the BoC, BoD and Syariah Supervisory Board (if any);
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II b) Kelengkapan dan pelaksanaan tugas komite-komite; c) Penerapan fungsi kepatuhan, audit ekstern dan audit intern; d) Penerapan manajemen risiko termasuk sistem pengendalian internal; e) Penyediaan dana kepada pihak terkait; f) Rencana strategis; g) Transparansi kondisi keuangan dan non keuangan; h) Informasi lain yang terkait dengan penerapana GCG, berupa; paket dan kebijakan remunerasi, opsi saham, rasio gaji, jumlah penyimpangan internal, permasalahan hukum, transaksi benturan kepentingan, dana untuk kegiatan sosial atau politik; 2) Hasil penilaian sendiri dan rencana tindak (jika ada); dan/atau 3) Pengungkapan lainnya yang disyaratkan oleh peraturan pada sektor jasa keuangan perusahaan c. Laporan penerapan tata kelola perusahaan dapat menjadi bab tersendiri dalam Laporan Tahunan Perusahaan atau disajikan terpisah dari Laporan Tahunan Perusahaan yang disampaikan secara bersama-sama dengan Laporan Tahunan. d. Laporan Penerapan Tata Kelola Perusahaan wajib disampaikan kepada OJK sesuai mekanisme pelaporan pada masing-masing sektor jasa keuangan Perusahaan.
b) Completion and implementation of the duties and responsibilities of committees; c) Implementation of compliance, external audit and internal audit functions; d) Implementation of risk management including internal control systems; e) Provision of funds to related parties; f) Strategic Plan; g) Transparency of financial and nonfinancial conditions; h) Any other information related to the implementation of GCG, such as the package and remuneration policy, stock options, salary ratio, the number of internal frauds, legal issues, conflicts of interests transactions, funds for social or political activities; 2) The results of self-assessment and action plan (if any); and / or 3) other disclosures required by the regulations in the financial services sector companies c. Report of implementation of corporate governance can be a separate chapter in the Company's Annual Report or presented separately from the Company's Annual Report and submitted together with the Annual Report. d. Corporate Governance report shall be submitted to the FSA in accordance mechanisms for reporting in each of the Company's financial services sector.
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Kebijakan Tata Kelola Terintegrasi Integrated Corporate Governance Policy Part II LAPORAN TAHUNAN PERUSAHAAN
ANNUAL REPORT OF THE COMPANY
Perusahaan wajib membuat Laporan Tahunan Perusahaan. Laporan tahunan perusahaan paling kurang mencakup: 1. Ikhtisar data keuangan penting; 2. Laporan Dewan Komisaris; 3. Laporan Direksi; 4. Laporan Dewan Pengawas Syariah (jika ada); 5. Laporan Mengenai Kegiatan Perusahaan 6. Profil Perusahaan; 7. Analisis dan Pembahasan Manajemen; 8. Tata Kelola Perusahaan; 9. Tanggung jawab sosial perusahaan; 10. Laporan keuangan tahunan yang telah diaudit; dan 11. Surat pernyataan tanggung jawab Dewan Komisaris dan Direksi atas kebenaran isi laporan tahunan.
The Company shall make the Annual Report of the Company. The company's annual report shall at a minimum include: 1. Summary of key financial data; 2. Report of the Board of Commissioners; 3. Report of the Board of Directors; 4. Report of the Syariah Supervisory Board; 5. Report on Corporate Activities 6. Profile of the Company; 7. Management's Discussion and Analysis; 8. Corporate Governance; 9. Corporate social responsibility; 10. The audited annual financial statements; and 11. A statement of responsibility of the BoC and BoD for the accuracy of the contents of the annual report.
Laporan tahunan disajikan dalam Bahasa Indonesia. Dalam hal laporan tahunan dibuat dalam bahasa asing (bahasa Inggris) maka informasi yang disajikan memuat informasi yang sama.
The annual report is presented in Indonesian. In the case the annual report is made in a foreign language (English), the information presented must ontain the same information.
Laporan tahunan wajib ditandatangani oleh semua anggota Direksi dan semua anggota Dewan Komisaris yang menjabat pada tahun buku yang bersangkutan. Dalam hal terdapat anggota Direksi atau anggota Dewan Komisaris yang tidak menandatangani laporan tahunan maka yang bersangkutan wajib menyebutkan alasannya secara tertulis dan diungkapkan dalam laporan tahunan.
The annual report shall be signed by all members of the Board of Directors and all members of the Board of Commissioners serving in the fiscal year concerned. In the event of a member of the Board of Directors or the Board of Commissioners does not sign the annual report, the concerned individual shall mention the reasons in writing and disclosed in the annual report.
Laporan tahunan wajib dipublikasikan dalam situs website perusahaan dan disampaikan kepada Otoritas Jasa Keuangan paling lama 4 (empat) bulan setelah akhir tahun buku.
The annual report shall be published on the company web site and submitted to the Financial Services Authority no later than four (4) months after the end of the financial year.
This material is confidential and proprietary to BANK DANAMON. No part of this material should be reproduced, published in any form by any means, electronic or mechanical including photocopy or any information storage or retrieval system nor should the material be disclosed to third parties without express written authorization of BANK DANAMON
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