Komite-komite di bawah Direksi Committees under the Board of Directors

Komite-komite di bawah Direksi Committees under the Board of Directors

Danamon memiliki komite di bawah Direksi yang mendukung pelaksanaan tugas dan tanggung jawab Direksi dengan memberikan saran dan rekomendasi yang dapat dijadikan acuan oleh Direksi untuk mengambil keputusan. Komite-komite di bawah Direksi adalah sebagai berikut:

Danamon has established committees under the Board of Directors tasked to support the implementation of the duties and responsibilities of the Board of Directors. These committees provide suggestions and recommendations used by the Board of Directors as reference in decision making. Committees under the Board of Directors are as follows: a. b. c. d. e. f. g.

Komite Manajemen Risiko/ Risk Management Committee; Komite Assets & Liabilities/ Assets & Liabilities Committee; Komite Pengarah Teknologi Informasi/ Information Technology Steering Committee; Komite Fraud/ Fraud Committee; Komite Kepatuhan/ Compliance Committee; Komite Manajemen Risiko Operasional/ Operational Risk Management Committee; KomiteManajemen Risiko Terintegrasi/ Integrated Risk Management Committee.


Komite Manajemen Risiko Risk Management Committee Struktur dan Keanggotaan Komite/ Committee Structure and Membership No.

Kedudukan/ Role

Jabatan/ Title

1.

Ketua/ Chairman

Direktur Integrated Risk/ Independent Commissioner

2.

Anggota/ Member

Direktur Utama/ President Director

3.

Anggota/ Member

Direktur Hukum dan Kepatuhan/ Director of Legal and Compliance

4.

Anggota/ Member

Direktur Perbankan Syariah/ Director of Syariah Banking

5.

Anggota/ Member

Direktur Operation/ Director of Operation

6.

Anggota/ Member

Direktur Consumer Banking dan SME/ Director of Consumer Banking and SME

7.

Anggota/ Member

Direktur Keuangan/ Director of Finance (CFO)

8.

Anggota/ Member

Direktur Micro Banking/ Director of Micro Banking

9.

Anggota/ Member

Direktur Treasury dan Capital Market/ Director of Treasury and Capital Market

10.

Anggota/ Member

Direktur Corporate dan Commercial (Wholesale Banking)/ Director of Corporate and Commercial (Wholesale Banking)

11.

Anggota/ Member

Direktur Teknologi Informasi/ Director of Information Technology

12.

Anggota/ Member

Direktur Sumber Daya Manusia/ Director of Human Resources

Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee 1. Membantu Direksi dalam melakukan tanggung jawabnya terkait dengan manajemen risiko. Support the Board of Directors in performing their duties with regard to risk management.


2. Menetapkan rencana, arahan, kebijakan dan strategi manajemen risiko Danamon dan Perusahaan Anak. Define the risk management plan, direction, policies, strategies of Danamon and its subsidiaries. 3. Memastikan seluruh kegiatan Danamon sesuai dengan aturan dan regulasi yang berlaku. Ensure all Danamon activities are in line with the prevailing rules and regulations. 4. Menetapkan atas hal-hal yang terkait dengan keputusan-keputusan bisnis yang menyimpang dari prosedur normal. Decide aspects concerning business decisions which deviate from normal procedures. 5. Menentukan metodologi manajemen risiko yang paling sesuai untuk pengelolaan risiko, menentukan pembentukan cadangan melalui kebijakan untuk mengakomodasi potensi risiko yang inherent dan memastikan ketersediaan prosedur pemulihan dari bencana. Define the most suitable risk management methodologies for managing the risks, build up the reserve through policies to accommodate the inherent potential risks and ensure the availability of post catastrophic restoration procedures. 6. Memantau pengembangan kebijakan dan strategi risiko dan merekomendasikan kepada Direksi untuk persetujuan atas keseluruhan strategi, kebijakan inti, proses dan sistem manajemen risiko. Monitor the development of procedures and risk strategies and provide recommendations to the Board of Directors for approval on all strategies, key policies, processes and systems of risk management. 7. Mengkaji berbagai portofolio kredit, market & liquidity, operasional dan risiko yang signifikan serta melaporkannya kepada Direksi melalui profil risiko dan eksposur risiko Bank secara berkala. Review credit portfolios, market liquidity, operations and significant risks, periodically reporting the Bank’s risk profile and risk exposures to the Board of Directors. 8. Mengevaluasi pelaksanaan proses manajemen risiko dan melaksanakan perbaikan-perbaikan yang sejalan dengan perubahan-perubahan eksternal dan internal yang dapat mempengaruhi tingkat kecukupan modal Danamon, tingkat modal Perusahaan Anak serta profil risikonya. Evaluate the implementation of risk management processes and perform improvement in line with external and internal affecting Danamon’s or its subsidiaries’ capital adequacy or risk profiles. 9. Mengevaluasi struktur organisasi risiko di Danamon dan Perusahaan Anak untuk memastikan bahwa proses-proses pengelolaan risiko sudah sesuai dengan perkembangan organisasi. Evaluate the risks of the organizational structure of Danamon and its subsidiaries to ensure that the process of risk management is in line with the organization development.


Komite Assets & Liabilities Assets & Liabilities Committee Struktur dan Keanggotaan Komite/ Committee Structure and Membership No.

Kedudukan/ Role

Jabatan/ Title

1.

Ketua/ Chairman


2.

Ketua (Alternatif)/ Chairman (Alternate)


3.

Anggota/ Member

Direktur Sales and Distribution/ Director of Sales and Distribution

4.

Anggota/ Member


5.

Anggota/ Member

Direktur Transaction Banking/ Director of Transaction Banking

6.

Anggota/ Member


7.

Anggota/ Member


8.

Anggota/ Member


Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee 1. Menetapkan ruang lingkup kerja Komite, prosedur rapat, proses kerjanya dan membentuk sub-komite untuk mendukung komite. Define the scope of work of the Committee, meeting procedures, work process, and the formation of subcommittees to support the committee. 2. Menentukan kebijakan dan petunjuk tentang likuiditas, risiko bunga, dan manajemen permodalan di Bank dan Perusahaan Anaknya yang merefleksikan kecukupan likuiditas dan modal, pendanaan yang stabil dan terdiversifikasi dengan mematuhi peraturan yang berlaku. Decide on the policies and directions on liquidity, interest risks, and capital management at the Bank and its subsidiaries which reflect the adequacy of liquidity and capital, stable and diversified financing by complying to the prevailing regulations.

Komite-komite di bawah Direksi Committees under the Board of Directors 3. Melakukan evaluasi kondisi pasar dan pengaruhnya terhadap kondisi likuiditas Bank, NII, dan permodalan serta menyetujui tindakan paling tepat. Perform evaluation on market conditions and their impacts on the conditions of Bank liquidity, NII, and capital as well as approve the most appropriate actions. 4. Melakukan evaluasi komposisi pendanaan dan menyetujui setiap perubahan dalam strategi dan alternative pendanaan termasuk institusional/struktural pendanaan baru. Perform evaluation on the composition of financing and approve every modification on strategy and alternative financing including new institutional/structural financing. 5. Melakukan review tentang strategi likuiditas, suku bunga dan permodalan yang diajukan oleh TCM, sekaligus memonitor implementasinya, dengan setiap bulannya melakukan evaluasi hal-hal berikut ini: Conduct reviews on liquidity strategy, interest rate, and capital as proposed by TCM, and at the same time monitor the implementation, by performing evaluation on a monthly basis for the following aspects: -

Indikator peringatan dini/ Early warning indicators. Pergerakan terkini komponen kunci dari neraca/ Latest movement on key components of the balance sheet. Posisi dan proyeksi likuiditas/ Position and projection of the liquidity. Analisa deposito/ Deposit analysis. Memonitor kebijakan pendanaan darurat (CFP)/ Monitoring on Contingency Funding Plan (CFP). Update tentang professional funding/ Updates on Professional Funding. Pembahasan FTP/ Discussions on FTP. Evaluasi aktifitas AFS/ Evaluation on AFS activities. Pembahasan limit, target dan indikator risiko pasar/ Discussion on limits, targets, and indicators of market risks. Hal-hal lainnya yang berkaitan dengan ALCO/ Other issues relevant with ALCO.

6. Secara berkala, melakukan evaluasi dan menyetujui hal-hal berikut ini: Periodically, perform evaluations and approve the following aspects: -

-

Kebijakan tentang likuiditas, risiko suku bunga pada neraca dan FTP/ Policies on liquidity, interest rate risks on the balance sheet and FTP. Kebijakan pendanaan darurat/ Policies on contingency funding plan. Asumsi untuk stress test likuiditas/ Assumptions for liquidity stress tests. Merekomendasikan kepada Dewan Komisaris semua limit/target/pemicu termasuk AFS yang terkait dengan neraca. Dewan Komisaris bertanggung jawab untuk memberi persetujuan untuk limit yang ditetapkan oleh ALCO/ Provide recommendations to the Board of Commissioners of all limits/targets/triggers including AFS related to the balance sheet. The Board of Commissioners is responsible to grant approvals for limits set up by ALCO. Perhitungan core untuk suku bunga dan likuiditas/ Core calculation for interest rate and liquidity. Merekomendasikan kepada Dewan Komisaris semua rencana tindakan koreksi jika terjadi pelampauan limit/pemicu yang terkait dengan neraca/ Provide recommendations to the Board of Commissioners on all corrective action plans in case of excess threshold/trigger related to the Balance Sheet.


Komite Pengarah Teknologi Informasi Information Technology Steering Committee Struktur dan Keanggotaan Komite/ Committee Structure and Membership No.

Kedudukan/ Role

Jabatan/ Title

1.

Ketua/ Chairman


2.

Ketua (Alternatif)/ Chairman (Alternate)

Chief Information Officer/ Chief Information Officer

3.

Anggota/ Member

Chief Risk Officer/ Chief Risk Officer

4.

Anggota/ Member

Kepala SKAI (tidak memiliki hak suara)/ Division Head, Internal Audit (non-voting rights)

5.

Kelompok A/ Group A Anggota/ Member


Anggota/ Member


Anggota/ Member

Direktur Sales and Distribution/ Director of Sales and Distribution

Anggota/ Member

Transaction Bank Head/ Transaction Bank Head

6.

Kelompok B/ Group B Anggota/ Member

Chief Financial Officer/ Chief Financial Officer

Anggota/ Member


Anggota/ Member

Operation Head/ Operation Head

Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee 1. Sehubungan dengan rencana strategis bisnis grup, secara berkala mengkaji strategi IT grup, termasuk roadmap bersamaan dengan sumber daya dan keuangan yang dipersyaratkan. Mengevaluasi dan menyetujui perubahan-perubahan sesuai dengan kebutuhan grup.

Komite-komite di bawah Direksi Committees under the Board of Directors In conjunction with the group business strategic plan, periodically review the strategy of group IT, including the roadmap along with the prerequisite human resources and finance. Evaluate and approve the modifications in this department in line with the Group requirements. 2. Membuat kebijakan IT seperti kebijakan keamanan dan kebijakan manajemen risiko IT. Prepare IT policies such as security policies and IT risk management policies. 3. Memastikan agar proyek IT dan rencana strategis IT sejalan dan memastikan prioritasnya. Ensure that IT projects and IT strategic plans are in harmony and ensure priorities. 4. Secara berkala mengkaji indikator tingkat layanan system produksi grup termasuk keefektifan kebijakan keamanan, menanggulangi jika terdapat persoalan dan merekomendasikan perbaikan-perbaikan. Periodically review the indicators of group production system service level including the effectiveness of security policies, dealing with issues and recommending improvements. 5. Mengkaji dan menyetujui investasi CAPEX dalam konteks strategi, blueprint, prioritas dan roadmap IT kelompok. Mendefinisikan dan mengimplementasikan persetujuan panduan CAPEX, PAM dan OPEX IT sehingga konsisten dengan kebijakan pengadaan. Review and approve CAPEX investments within the context of strategy, blueprint, priorities, and group IT roadmap. Define and implement the approval of CAPEX, PAM, and OPEX IT guidelines as consistent with the procurement policies. 6. Memantau perkembangan proyek inti IT grup dengan arahan masing-masing Komite Pengarah Proyek Teknologi Informasi, menanggulangi setiap permasalahan dan merekomendasikan perbaikan-perbaikan yang dapat dilakukan. Perbaikan-perbaikan tersebut akan diimplementasikan oleh tim proyek. Monitor the development of core IT Group projects through the directions provided by each of the member of Information Technology Project Steering Committee, dealing with each issue, and recommend possible improvements. Such improvement will then be implemented by project teams. 7. Mengkaji keefektifan Rencana Mitigasi Risiko atas pelaksanaan investasi IT beserta memastikan kontribusi investasi terhadap bisnis grup. Review the effectiveness of Risk Mitigation Plan on the implementation of IT investments in addition to ensure the contribution of the investment toward the group business. 8. Memastikan alokasi sumber IT yang tepat dan baik. Jika diperlukan untuk menggunakan pihak ketiga untuk membantu pelaksanaan implementasi proyek, KPTI harus memastikan adanya kebijakan dan prosedur untuk pelaksanaan proses memilih dan menunjuk pihak ketiga tersebut. Ensure the allocation of appropriate and efficient IT resources. In case of requirements to utilize third parties to support project implementation, Information Technology Steering Committee must ensure the availability of policies and procedures of selecting and appointing the third party. 9. Mengkaji secara rutin manfaat yang diberikan oleh proyek-proyek IT grup kepada berbagai unit bisnis dan fungsi pendukung. Routinely review the benefits provided by IT Group projects to various business units and supporting functions. 10. Mengkaji secara rutin OPEX dan CAPEX IT grup. Routinely review OPEX and CAPEX of IT Group.

Komite-komite di bawah Direksi Committees under the Board of Directors 11. Mendefinisikan dan mengimplementasikan inisiatif IT termasuk juga Manajemen untuk sistem Informasi yang diperlukan guna mendukung bisnis grup. Define and implement IT initiatives including the Management of information system required in order to support group business. 12. Melakukan penilaian diri sendiri paling tidak setahun sekali untuk menentukan apakah KPTI berfungsi efektif. Conduct self-assessment at a minimum on an annual basis in order to determine the effective functions of Information Technology Steering Committee. 13. Melakukan tugas dan tanggung jawab lainnya yang dilimpahkan oleh Direksi dari waktu ke waktu. Perform other duties and responsibilities assigned by the Board of Directors from time to time.


Komite Fraud Fraud Committee Struktur dan Keanggotaan Komite/ Committee Structure and Membership

Kantor Pusat/ Head Office No.

Kedudukan/ Role

Jabatan/ Title

1.

Ketua/ Chairman


2.

Anggota/ Member


3.

Anggota/ Member


4.

Anggota/ Member

Kepala Divisi Sumber Daya Manusia/ Division Head, Human Resources

5.

Anggota/ Member

Kepala SKAI/ Division Head, Internal Audit

6.

Anggota/ Member

Kepala Divisi Litigasi/ Division Head, Litigation

7.

Anggota/ Member

Kepala Unit Investigasi Fraud/ Unit Head, Fraud Investigation

8.

Anggota/ Member

Direktur atau Kepala Line of Business Terkait/ Director(s) or Head(s) of related business line(s)

Regional/ Regional No.

Kedudukan/ Role

Jabatan/ Title

1.

Ketua/ Chairman

Regional Corporate Officer/ Regional Corporate Officer

2.

Sekretaris/ Secretary

Kepala Sumber Daya Manusia Regional/ Head, Regional Human Resources

3.

Anggota/ Member

Regional Transaction Service Head/ Manager, Regional Transaction Service

4.

Anggota/ Member

Regional Transaction Service Manager/ Regional Transaction Service Manager

Komite-komite di bawah Direksi Committees under the Board of Directors 5.

Anggota/ Member

Regional Segment Head Terkait/ Head, related Regional Segment

Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee 1. Memutuskan sanksi bagi setiap pekerja Danamon yang melakukan atau terlibat dalam fraud dengan memperhatikan peraturan Danamon, Perjanjian Kerja Bersama (PKB), serta Kode Etik dan Nilai Budaya Danamon dalam pelaksanaan tugasnya. Decide the appropriate disciplinary action for each Danamon employee engaged in or involved in fraudulent activities by taking into account Danamon’s regulations, Collective Labor Agreement (CLA), as well as Code of Ethics and Danamon’s Cultural Values. 2. Menelaah proses kerja dan kontrol yang ada untuk mengambil langkah-langkah preventif maupun perbaikan yang diperlukan untuk mencegah terulangnya fraud. Decide the work process and existing control to take preventive as well as remedial actions necessary to avoid the potential of such fraud recurring.


Komite Kepatuhan Compliance Committee Struktur dan Keanggotaan Komite/ Committee Structure and Membership No.

Kedudukan/ Role

Jabatan/ Title

1.

Ketua/ Chairman


2.

Anggota/ Member


3.

Anggota/ Member


4.

Anggota/ Member

Kepala Divisi AML-CFT/ Division Head, AML-CFT

5.

Anggota/ Member

Kepala Manajemen Risiko Operasional/ Head, Operational Risk Management

6.

Anggota/ Member

Kepala SKAI/ Head, Internal Audit

7.

Anggota/ Member

Kepala Divisi Kepatuhan/ Division Head, Compliance

Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee 1. Mengkaji kerangka kepatuhan Danamon guna memantau tingkat kepatuhan terhadap peraturan dan perundang-undangan yang berlaku. Review Danamon’s compliance framework in order to monitor the level of compliance with the prevailing laws and regulations. 2. Mengkaji dan mengevaluasi hasil pemeriksaan yang dilakukan oleh pihak-pihak eksternal seperti Bank Indonesia, Otoritas Jasa Keuangan dan pihak lainnya yang terkait. Review and evaluate the audit results performed by external parties such as Bank Indonesia, Financial Services Authority, and other relevant parties. 3. Melakukan pemantauan terhadap pelaksanaan langkah-langkah perbaikan dan memastikan ketaatan Danamon terhadap peraturan perundang-undangan yang berlaku di bidang perbankan. Carry out monitoring of correction steps and ensure Danamon’s compliance with the prevailing laws and regulations in the banking industries.


Komite Manajemen Risiko Operasional Operational Risk Management Committee Struktur dan Keanggotaan Komite/ Committee Structure and Membership No.

Kedudukan/ Role

Jabatan/ Title

1.

Ketua/ Chairman


2.

Anggota/ Member


3.

Anggota/ Member


4.

Anggota/ Member


5.

Anggota/ Member


6.

Anggota/ Member


7.

Anggota/ Member


8.

Anggota/ Member


9.

Anggota/ Member


10.

Anggota/ Member

Direktur Sumber Daya Manusia/ Director of Human Resources

Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee 1.

Menyetujui kerangka kerja, strategi dan metodologi Operational Risk Management (ORM) untuk risiko operasional. Approve the framework, strategy, and methodology of Operational Risk Management (ORM) for operational risks.

2.

Menyetujui perangkat dan teknik operasional ORM secara umum. Approve the tools and ORM operational techniques in general.

Komite-komite di bawah Direksi Committees under the Board of Directors 3.

Menyetujui tindakan yang diusulkan untuk memperbaiki kegagalan sistem operasional yang signifikan. Approve the proposed action in order to restore the significant failures of operational systems.

4.

Memantau perkembangan proyek inti ORM dan issue yang berkaitan dengan kejadian yang mempunyai risiko operasional yang signifikan. Monitor the development of ORM core project and issues related to incidents which carry significant operational risks.

5.

Memberikan masukan atas langkah penanganan suatu kejadian operasional kepada Direksi melalui Komite Manajemen Risiko. Provide feedback on the steps of managing an operational incident to the Board of Directors through Risk Management Committee.

6.

Mengkaji keefektifan pelaksanaan kerangka kerja ORM. Review the effectiveness of ORM framework implementation.

7.

Menilai dampak yang berkaitan dengan reputasi dari risiko operasional yang teridentifikasi. Assess the impacts on reputation from identified operational risks.

8.

Mengkaji kerugian operasional yang signifikan dan analisa trend begitu pula faktor penyebab untuk menentukan potensi tindakan pencegahan. Review significant operational losses and trend analysis as well as causative factors in order to determine the potential of preventive action.

9.

Memperbaharui/meng-update peraturan/keputusan dari Bank Indonesia atau peraturan lainnya yang berhubungan dengan Risk Management dan akibatnya. Renew/Update the rules/regulations of Bank Indonesia as well as other regulations relevant to Risk Management and their consequences.

10. Menyetujui keputusan yang bersifat bankwide berkaitan dengan issues/kejadian risiko operasional. Approve decisions with Bankwide effect relevant to operational risk issues/incidents.


Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee Struktur dan Keanggotaan Komite/ Committee Structure and Membership No.

Kedudukan/ Role

Jabatan/ Title

1.

Ketua/ Chairman


2.

Anggota/ Member

Direktur yang mewakili dan ditunjuk dari Adira Finance/ Director appointed and representing Adira Finance

3.

Anggota/ Member

Direktur yang mewakili dan ditunjuk dari Adira Asuransi/ Director appointed and representing Adira Insurance

4.

Anggota/ Member

Direktur yang mewakili dan ditunjuk dari Adira Quantum/ Director appointed and representing Adira Quantum

5.

Anggota/ Member

Pejabat Eksekutif Kepala Divisi Enterprise Risk & Policy Entitas Utama/ Executive Officer Head of Enterprise Risk & Policy Division of the Main Entity

6.

Anggota/ Member

Pejabat Eksekutif Kepala Divisi Fraud & Operational Risk Management Entitas Utama/ Executive Officer Head of Fraud & Operational Risk Division of the Main Entity

Tugas dan Tanggung Jawab Komite/ Duties and Responsibilities of the Committee 1. Memberikan rekomendasi kepada Direksi Entitas Utama terkait dengan penyusunan kebijakan Manajemen Risiko Terintegrasi; dan Provide recommendations to the Board of Directors of the Main Entity related to the preparation of the Integrated Risk Management Policy; and 2. Memberikan rekomendasi kepada Direksi Entitas Utama terkait perbaikan atau penyempurnaan kebijakan Manajemen Risiko Terintegrasi berdasarkan hasil evaluasi pelaksanaan. Provide recommendations to the Board of Directors of the Main Entity related to improvement of Integrated Risk Management Policy based on the evaluation of the implementation.

Komite-komite di bawah Direksi Committees under the Board of Directors

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