LAPORAN TAHUNAN PELAKSANAAN TATA KELOLA TERINTEGRASI KONGLOMERASI KEUANGAN GRUP ASTRA PERIODE 31 DESEMBER 2016

LAPORAN TAHUNAN PELAKSANAAN TATA KELOLA TERINTEGRASI KONGLOMERASI KEUANGAN GRUP ASTRA PERIODE 31 DESEMBER 2016

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1. LAPORAN PENILAIAN SENDIRI (SELF ASSESSMENT) PELAKSANAAN TATA KELOLA TERINTEGRASI KONGLOMERASI KEUANGAN GRUP ASTRA Entitas Utama : PT Bank Permata Tbk Posisi Laporan : 31 Desember 2016

HASIL PENILAIAN SENDIRI (SELF ASSESSMENT) PELAKSANAAN TATA KELOLA TERINTEGRASI

Konglomerasi Keuangan Grup Astra

Peringkat 2

Entitas Utama: PT Bank Permata Tbk Lembaga Jasa Keuangan (LJK): - PT Asuransi Astra Buana - PT Astra Auto Finance - PT Astra Aviva Life - PT Astra Multi Finance - PT Astra Sedaya Finance - PT Federal International Finance - PT Komatsu Astra Finance - PT Pratama Sedaya Finance* - PT Sahabat Finansial Keluarga - PT Staco Estika Sedaya Finance - PT Surya Artha Nusantara Finance - PT Swadharma Bhakti Sedaya Finance - PT Toyota Astra Financial Services

Definisi Peringkat Konglomerasi Keuangan dinilai telah melakukan penerapan Tata Kelola Terintegrasi yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas penerapan prinsip Tata Kelola Terintegrasi. Apabila terdapat kelemahan dalam penerapan Tata Kelola Terintegrasi, secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh Entitas Utama dan/atau LJK.

Catatan: PT Pratama Sedaya Finance bukan merupakan anggota Konglomerasi Keuangan Grup Astra sejak tanggal 30 November 2016. Analisis

Peringkat untuk masing-masing faktor: No. 1 2 3 4 5 6 7

Faktor Direksi Entitas Utama Dewan Komisaris Entitas Utama Komite Tata Kelola Terintegrasi Satuan Kerja Kepatuhan Terintegrasi Satuan Kerja Audit Intern Terintegrasi Penerapan Manajemen Risiko Terintegrasi Pedoman Tata Kelola Terintegrasi

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Peringkat 3 1 1 2 3 3 2

Kekuatan pelaksanaan Tata Kelola Terintegrasi: I.

Integrated Governance Structure: 1. Direksi Entitas Utama: Direksi Entitas Utama per 31 Desember 2016 berjumlah 10 (sepuluh) orang, per tanggal 31 Desember 2016, terdapat 2 (dua) Direktur Bank Permata yang belum efektif, yaitu: Bpk. Ridha DM Wirakusumah dan Bpk. Loh Tee Boon. 2. Dewan Komisaris Entitas Utama: Seluruh anggota Dewan Komisaris Entitas Utama telah efektif dan memperoleh persetujuan dari Bank Indonesia/Otoritas Jasa Keuangan. 3. Komite Tata Kelola Terintegrasi: a) Komite Tata Kelola Terintegrasi telah dibentuk sesuai ketentuan yang berlaku. b) Jumlah dan komposisi Komisaris Independen yang menjadi anggota Komite Tata Kelola Terintegrasi telah sesuai dengan kebutuhan Konglomerasi Keuangan Grup Astra. 4. Satuan Kerja Kepatuhan Terintegrasi: a) Bank dan SFK telah memenuhi seluruh kriteria pada aspek Governance Structure yaitu satuan kerja kepatuhan independen dengan kecukupan SDM yang berkualitas serta struktur dan infrastruktur tata kelola saat ini secara umum sudah cukup baik. b) Konglomerasi Keuangan Astra Non-Bank memiliki Satuan Kerja Kepatuhan Terintegrasi yang terpisah dari satuan kerja operasional (independen). c) Satuan Kerja Kepatuhan Terintegrasi tersebut di atas telah memenuhi syarat sebagai anggota Satuan Kerja yang berkualitas sesuai dengan ketentuan yang berlaku. 5. Satuan Kerja Audit Intern Terintegrasi: a) Fungsi Internal Audit (SKAI) Bank Permata dan PT Sahabat Finansial Keluarga (SFK) independen terhadap satuan kerja operasional. b) Independensi dari Satuan Kerja Audit Internal (LJK Non Bank). 6. Penerapan Manajemen Risiko Terintegrasi: a) Bank Permata memiliki struktur dan infrastruktur tata kelola risiko yang memadai untuk mendukung pelaksanaan Integrated Good Corporate Goveranance sesuai dengan harapan stakeholder. b) LJK Non Bank telah memiliki struktur organisasi manajemen risiko yang memadai serta telah memiliki kebijakan, prosedur dan menetapkan limit penerapan manajemen risiko terintegrasi bagi Konglomerasi Keuangan. 7. Pedoman Tata Kelola Terintegrasi: a) Pedoman Tata Kelola Terintegrasi Grup Astra telah disusun sesuai ketentuan yang berlaku (Peraturan OJK No. 18/POJK.03/2014 tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan). b) Kerangka Pedoman Tata Kelola Terintegrasi telah mencakup seluruh hal/indikator yang dipersyaratkan dalam peraturan dan surat edaran OJK tentang Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan. c) Pedoman Tata Kelola Terintegrasi bagi LJK Non-Bank (perusahaan asuransi dan perusahaan pembiayaan) sesuai dengan ketentuan OJK yang berlaku bagi sektor bisnis terkait.

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II. Integrated Governance Process: 1. Direksi Entitas Utama: Direksi Entitas Utama telah menyampaikan Pedoman Tata Kelola Terintegrasi kepada Direksi LJK dalam Konglomerasi Keuangan. 2. Dewan Komisaris Entitas Utama: Dewan Komisaris Entitas Utama melakukan pengawasan atas pelaksanaan tugas dan tanggung jawab Direksi Entitas Utama. 3. Komite Tata Kelola Terintegrasi: Komite Tata Kelola Terintegrasi telah menyelenggarakan rapat Komite Tata Kelola Terintegrasi sesuai ketentuan. 4. Satuan Kerja Kepatuhan Terintegrasi: a) Bank dan SFK telah memenuhi seluruh kriteria pada aspek Governance Process dengan: -

Melakukan pemantauan penerapan atas setiap peraturan regulator baru yang mempunyai dampak yang signifikan;

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Melakukan kajian atas seluruh kebijakan yang akan dikeluarkan;

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Melakukan monitoring terhadap pemenuhan komitmen kepada pihak regulator.

b) Satuan Kerja Kerja Kepatuhan Terintegrasi Konglomerasi Keuangan Astra NonBank telah melakukan fungsinya untuk memantau dan mengevaluasi fungsi kepatuhan di LJK dalam Konglomerasi Keuangan Astra Non-Bank. c) Fungsi Kepatuhan di LJK dalam Konglomerasi Keuangan Astra secara umum telah menjalankan fungsinya dalam memantau dan mengevaluasi pelaksanaan peraturan dan undang-undang yang berlaku. 5. Satuan Kerja Audit Intern Terintegrasi: a) SKAI Bank Permata telah memantau pelaksanaan audit intern pada SFK melalui Laporan Penilaian SKAI LJK yang disampaikan secara kuartalan. b) Monitoring Pelaksanaan Audit di SKAI LJK Non Bank oleh SKAIT. 6. Penerapan Manajemen Risiko Terintegrasi: a) Bank Permata telah menetapkan dan membangun manajemen risiko terintegrasi yang baik yang mencakup pengawasan dari Dewan Komisaris dan Direksi Entitas Utama; kecukupan kebijakan, prosedur, dan penetapan limit manajemen risiko terintegrasi; kecukupan proses identifikasi, pengukuran, pemantauan, pengendalian risiko secara terintegrasi, dan sistem informasi manajemen risiko terintegrasi; dan sistem pengendalian intern yang menyeluruh terhadap penerapan manajemen risiko terintegrasi. b) Aktivitas terkait yang telah dilaksanakan adalah penyusunan kebijakan, prosedur, dan penetapan limit, evaluasi kebijakan manajemen risiko terintegrasi, pelaporan profil risiko terintegrasi, pelaporan limit risiko, penyampaian laporan penerapan manajemen risiko terintegrasi oleh setiap LJK serta pelaksanaan rapat KMRT secara berkala. c) LJK Non Bank telah menerapkan manajemen risiko terintegrasi atas seluruh tipe risiko yang ditetapkan OJK. 7. Pedoman Tata Kelola Terintegrasi: a) Secara umum, dalam pelaksanaan Tata kelola Terintegrasi, Bank dan SFK telah mengacu kepada Pedoman Tata kelola Terintegrasi dan ketentuan terkait lainnya

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dalam masing-masing industri. b) Penyusunan kebijakan/SOP oleh masing-masing LJK Non-Bank untuk memastikan terlaksananya tata kelola yang baik sesuai dengan Pedoman Tata Kelola Terintegrasi bagi LJK Non-Bank. III. Integrated Governance Outcome: 1. Direksi Entitas Utama: Direksi Entitas Utama senantiasa memperhatikan ketentuan bahwa Direksi Entitas Utama harus memastikan temuan audit dan rekomendasi dari pihak-pihak terkait telah ditindaklanjuti oleh LJK dalam Konglomerasi Keuangan. Pengawasan Bank Permata sebagai Entitas Utama tidak dilakukan secara langsung menjangkau seluruh LJK anggota Konglomerasi Keuangan Astra, namun melalui SKMRT, SKKT dan SKAIT yang bertanggung jawab ke Direktur yang membawahi fungsi manajemen risiko terintegrasi, fungsi kepatuhan terintegrasi dan fungsi audit intern terintegrasi di Entitas Utama. Untuk pengawasan terkait LJK Non Bank dikoordinasikan oleh PIC LJK Non Bank dan untuk pengawasan terkait LJK Bank dikoordinasikan oleh PIC LJK Bank. 2. Dewan Komisaris Entitas Utama: Hasil kinerja Dewan Komisaris, didokumentasikan dengan baik.

berupa

hasil rapat

Dewan

Komisaris telah

3. Komite Tata Kelola Terintegrasi: Hasil rapat Komite Tata Kelola Terintegrasi telah dituangkan dalam risalah rapat dan didokumentasikan dengan baik. 4. Satuan Kerja Kepatuhan Terintegrasi: a) Bank dan SFK telah memenuhi hampir seluruh kriteria pada aspek Governance Outcome. Penerapan manajemen risiko kepatuhan telah dilaksanakan secara efektif sesuai dengan karakteristik dan kompleksitas usaha Konglomerasi Keuangan dan kemampuan Bank dan SFK. b) Satuan Kerja Kepatuhan Terintegrasi Konglomerasi Keuangan Astra Non-Bank telah menyampaikan laporan pelaksanaan tugas dan tanggung jawabnya kepada Direktur yang membawahkan fungsi Kepatuhan Entitas Utama dalam hal ini Bank Permata pada waktu yang telah ditentukan. c) Laporan pelaksanaan tugas dan tanggung jawab Satuan Kerja Kepatuhan Terintegrasi Konglomerasi Keuangan Astra tersebut telah diterima dengan baik dan tepat waktu, serta telah memenuhi ketentuan dari peraturan dan undang-undang yang berlaku. 5. Satuan Kerja Audit Intern Terintegrasi: a) SKAIT Bank telah menyampaikan dan mengkomunikasikan laporan pelaksanaan tugas dan tanggung jawab kepada Presiden Direktur Entitas Utama, Dewan Komisaris Entitas Utama dan Direktur yang membawahi fungsi kepatuhan Entitas Utama secara berkala. Laporan semester pertama telah disampaikan pada bulan Agustus 2016. b) Rekomendasi (SKAI LJK Non Bank) didasarkan pada root cause untuk perbaikan ke depan. 6. Penerapan Manajemen Risiko Terintegrasi: a) Penerapan manajemen risiko terintegrasi telah dilaksanakan secara efektif di Bank Permata sesuai dengan karakteristik dan kompleksitas usaha Konglomerasi Keuangan dan kemampuan Bank Permata. b) Pengawasan Bank Permata sebagai Entitas Utama tidak dilakukan secara langsung

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menjangkau seluruh LJK anggota Konglomerasi Keuangan Astra, namun melalui SKMRT yang bertanggung jawab ke Direktur yang membawahi fungsi manajemen risiko terintegrasi di Entitas Utama. c) Direksi dan Dewan Komisaris telah melaksanakan tugas dan tanggung jawabnya terkait manajemen risiko terintegrasi. Penerapan manajemen risiko terintegrasi cukup efektif dengan penyesuaian atas kondisi bisnis, kompleksitas produk, ketersediaan sumber daya dan strategi bisnis LJK. 7. Pedoman Tata Kelola Terintegrasi: a) Secara umum, hasil Tata Kelola Terintegrasi telah mencerminkan bahwa Bank dan SFK telah menerapkan prinsip-prinsip tata kelola yang baik sesuai dengan Pedoman Tata Kelola Terintegrasi Grup Astra dan ketentuan terkait lainnya dalam masingmasing industri. b) Berkaitan dengan LJK Non Bank: -

Seluruh Direktur, Komisaris dan anggota Dewan Pengawas Syariah (jika ada) dalam masing-masing LJK Non-Bank telah lulus Uji Kemampuan dan Kepatutan (Fit & Proper Test).

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Pemenuhan jumlah minimum dan ketentuan rangkap jabatan Direktur, Komisaris dan anggota Dewan Pengawas Syariah (jika ada) sesuai dengan peraturan sektor bisnis terkait.

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Adanya independensi dalam tindakan Dewan Komisaris.

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Pelaksanaan fungsi pengurusan oleh Direksi dan fungsi pengawasan oleh Dewan Komisaris serta Dewan Pengawas Syariah (jika ada) dengan baik sesuai dengan prinsip-prinsip tata kelola.

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Pemenuhan ketentuan penyelenggaraan rapat Direksi, Dewan Komisaris dan Dewan Pengawas Syariah (jika ada).

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Terpenuhinya pelaksanaan Fungsi Kepatuhan serta Fungsi Audit (baik intern maupun ekstern).

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Adanya kebijakan tentang pelaksanaan fungsi manajemen risiko, remunerasi serta pengelolaan benturan kepentingan.

Kelemahan pelaksanaan GCG: Masih terdapat kelemahan dalam penerapan Tata Kelola Terintegrasi, terutama terkait dengan pelaksanaan fungsi audit intern dan penerapan manajemen risiko di Entitas Utama.

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2. STRUKTUR KONGLOMERASI KEUANGAN DAN STRUKTUR KONGLOMERASI YANG LEBIH LUAS, DALAM HAL BERBEDA Konglomerasi Keuangan Grup Astra

Entitas Utama: PT Bank Permata Tbk Lembaga Jasa Keuangan: 1. PT Asuransi Astra Buana 2. PT Astra Auto Finance 3. PT Astra Aviva Life 4. PT Astra Multi Finance 5. PT Astra Sedaya Finance 6. PT Federal International Finance 7. PT Komatsu Astra Finance 8. PT Sahabat Finansial Keluarga 9. PT Staco Estika Sedaya Finance 10. PT Surya Artha Nusantara Finance 11. PT Swadharma Bhakti Sedaya Finance 12. PT Toyota Astra Financial Services

Konglomerasi Grup Astra

PT Astra International Tbk Anak Perusahaan (Subsidiaries): 1. PT Agro Menara Rachmat 2. PT Agro Nusa Abadi 3. PT Astra Agro Lestari Tbk 4. PT Bhadra Cemerlang 5. PT Bhadra Sukses 6. PT Borneo Indah Marjaya 7. PT Cakradenta Agung Pertiwi 8. PT Cakung Permata Nusa 9. PT Cipta Agro Nusantara 10. PT Cipta Narada Lestari 11. PT Eka Dura Perdana 12. PT Eka dura Indonesia 13. PT Gunung Sejahtera Dua Indah 14. PT Gunung Sejahtera Ibu Pertiwi 15. PT Gunung Sejahtera Puti Pesona 16. PT Gunung Sejahtera Raman Permai 17. PT Gunung Sejahtera Yoli Makmur 18. PT Karya Tanah Subur 19. PT Karyanusa Ekadaya 20. PT Kimia Tirta Utama 21. PT Lestari Tani Teladan 22. PT Letawa 23. PT Mamuang 24. PT Mitra Barito Gemilang 25. PT Nirmala Agro Lestari 26. PT Palma Plantasindo 27. PT Pandji Waringin 28. PT Pasang kayu 29. PT Perkebunan Lembah Bhakti 30. PT Persada Bina Nusantara Abadi 31. PT Persada Dinamika Lestari 32. PT Rimbunan Alam Sentosa 33. PT Sari Aditya Loka 34. PT Sari Lembah Subur 35. PT Sawit Asahan Indah 36. PT Sawit Jaya Abadi 37. PT Subur Abadi Plantations 38. PT Subur Agro Makmur 39. PT Sukses Tani Nusasubur 40. PT Sumber Kharisma Persada 41. PT Surya Indah Nusantara Pagi 42. PT Suryaraya Lestari 43. PT Tanjung Bina Lestari 44. PT Tanjung Sarana Lestari 45. PT Tri Buana Mas 46. PT Tunggal Perkasa Plantations 47. PT Waru Kaltim Plantation

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48. 49. 50. 51. 52. 53. 54. 55. 56. 57. 58. 59. 60. 61. 62. 63. 64. 65. 66. 67. 68. 69. 70. 71. 72. 73. 74. 75. 76. 77. 78. 79. 80. 81. 82. 83. 84. 85. 86. 87. 88. 89. 90. 91. 92. 93. 94. 95. 96. 97. 98. 99. 100. 101.

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PT Ardendi Jaya Sentosa PT Arya Kharisma PT Astra Auto Prima PT Astra Daido Steel Indonesia PT Astra Komponen Indonesia PT Astra Multi Trucks Indonesia PT Astra Otoparts Tbk PT Autoplastik Indonesia PT Century Batteries Indonesia PT Federal Izumi Manufacturing PT FSCM Manufacturing Indonesia PT Fuji Technica Indonesia PT Gaya Motor PT Gemala Kempa Daya PT Indokarlo Perkasa PT Inkoasku PT Inti Pantja Press Industry PT Menara Terus Makmur PT Nusa Keihin Indonesia PT Pakoakuina PT Palingda Nasional PT Pulogadung Pawitra Laksana PT Senantiasa Makmur PT Tjahja Sakti Motor PT Velasto Indonesia PT Astra Mitra Ventura PT Astra Multi Finance PT Astra Sedaya Finance PT Asuransi Astra Buana PT Federal International Finance PT Garda Era Sedaya PT Matra Graha Sarana PT Pratama Sedaya Finance (Pratama Sedya Sadana) PT Sedaya Multi Investama PT Sedaya Pratama PT Sharia MultiFinance Astra PT Staco Estika Sedaya Finance PT Stacomitra Graha PT Surya Artha Nusantara Finance PT Swadharma Bhakti Sedaya Finance Allmakes Asia Pacific Pte. Ltd. PT Acset Indonusa Tbk PT Acset Pondasi Indonusa PT Agung Bara Prima PT Andalan Multi Kencana PT Aneka Raya Konstruksi Mesindo PT Anugerah Gunung Mas PT Asmin Bara Bronang PT Asmin Bara Jaan PT Bina Pertiwi PT Borneo Berkat Makmur PT Danusa Tambang Nusantara PT Duta Nurcahya PT Duta Sejahtera

102. 103. 104. 105. 106. 107. 108. 109. 110. 111. 112. 113. 114. 115. 116. 117. 118. 119. 120. 121. 122. 123. 124. 125. 126. 127. 128. 129. 130. 131. 132. 133. 134. 135. 136. 137. 138. 139. 140. 141. 142. 143. 144. 145. 146. 147. 148. 149. 150.

PT Energia Prima Nusantara PT Innotech System PT Kadya Caraka Mulia PT Kalimantan Prima Persada PT Karya Supra Perkasa PT Multi Prima Universal PT Pama Indo Mining PT Pamapersada Nusantara PT Patria Maritim Perkasa PT Patria Maritime Industry PT Patria Maritime Lines PT Persada Tambang Mulia PT Piranti Jaya Utama PT Prima Multi Mineral PT Sacindo Machinery PT Sumbawa Jutaraya PT Supra Alphaplus Handal PT Tambang Karya Supra PT Tambang Supra Perkasa PT Telen Orbit Prima PT Tuah Turangga Agung PT United Tractors Pandu Engineering PT United Tractors Tbk PT Unitra Persada Energia PT Universal Tekno Reksajaya PT Turangga Resources Pte. Ltd. UT Heavy Industries PTE. LTD. PT Astra Graphia Information Technology PT Astra Graphia Tbk PT Astragraphia Xprins Indonesia PT Astratel Nusantara PT Balai Lelang Serasi PT Daya Mitra Serasi PT Harmoni Mitra Utama PT Indonesia Network PT Intertel Nusaperdana PT Marga Harjaya Infrastruktur PT Marga Mandalasakti PT Pelabuhan Penajam Banua Taka PT Serasi Autoraya (TRAC) PT Serasi Logistics Indonesia PT Serasi Mitra Mobil PT Serasi Shipping Indonesia PT Serasi Transportasi Nusantara PT Transutama Arya Sejahtera PT United Automobil Sembilan Puluh Utama PT Astra Land Indonesia PT Menara Astra PT Samadista Karya

Joint Venture: 1. ASTRA-KLK Pte Ltd 2. PT Kreasijaya Adhikarya

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3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36. 37. 38. 39. 40. 41. 42.

PT Aisin Indonesia PT Aisin Indonesia Automotive PT Akebono Brake Astra Indonesia Akebono Brake Astra Vietnam Co., Ltd PT Astra Honda Motor PT Astra Juoku Indonesia PT Astra Nippon Gasket Indonesia PT Astra Visteon Indonesia PT AT Indonesia Bridgestone Astra Indonesia PT DIC Astra Chemicals PT Evoluzione Tyres PT Federal Nittan Industries PT GS Battery PT Inti Ganda Perdana PT Isuzu Astra Motor Indonesia PT Kayaba Indonesia PT MetalArt Indonesia PT SKF Indonesia Superior Chain (Hangzhou) Co., Ltd. PT Suryaraya Rubberindo Industries PT Topy Palingda Manufacturing Indonesia PT Toyoda Gosei Safety Systems Indonesia PT Toyota - Astra Motor PT Wahana Eka Paramitra PT Astra Auto Finance PT Astra Aviva Life PT Bank Permata Tbk PT Komatsu Astra Finance PT Sahabat Finansial Keluarga PT Toyota Astra Financial Services PT ATMC Pump Services PT Swadaya Harapan Nusantara PT Traktor Nusantara PT PAM Lyonnaise Jaya PT Toyofuji Logistics Indonesia PT Toyofuji Serasi Indonesia PT Trans Bumi Serbaraja PT Astra Modern Land PT Brahmayasa Bahtera

Perusahaan Asosiasi (Associates): 1. PT Astra Daihatsu Motor 2. PT Denso Indonesia 3. PT Denso Sales Indonesia 4. PT TD Automotive Compressor Indonesia 5. PT Jardine Lloyd Thompson 6. PT JLT REinsurance Brokers 7. Acset Indonusa Co, Ltd. 8. PT Bintai Kindenko Engineering Indonesia 9. PT Bukit Enim Energi

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10. PT Komatsu Remanufacturing Asia 11. PT United Tractors Semen Gresik (Persero) 12. PT Marga Trans Nusantara 13. PT Trans Marga Jateng

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3. STRUKTUR KEPEMILIKAN SAHAM PADA KONGLOMERASI KEUANGAN YANG MENGGAMBARKAN PIHAK-PIHAK YANG MENJADI PEMEGANG SAHAM LJK DALAM KONGLOMERASI KEUANGAN SAMPAI DENGAN PEMEGANG SAHAM PENGENDALI TERAKHIR (ULTIMATE SHAREHOLDERS) Entitas Utama:

PT Bank Permata Tbk

PT Sahabat Finansial Keluarga

LJK: 1. PT Astra Sedaya Finance

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2. PT Astra Auto Finance

3. PT Swadharma Bhakti Sedaya Finance

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4. PT Staco Estika Sedaya Finance

5. PT Federal International Finance

6. PT Astra Multi Finance

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7. PT Toyota Astra Financial Services

8. PT Surya Artha Nusantara Finance

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9. PT Komatsu Astra Finance

10. PT Asuransi Astra Buana

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11. PT Astra Aviva Life

12. PT Sahabat Finansial Keluarga

PT Bank Permata Tbk

Dyah Adhi Astuti

99,998%

0,002%


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4. STRUKTUR KEPENGURUSAN PADA ENTITAS UTAMA DAN LJK DALAM KONGLOMERASI KEUANGAN (PER 31 DESEMBER 2016) Entitas Utama: PT Bank Permata Tbk

Dewan Komisaris: Cheng Teck Lim Gunawan Geniusahardja Lukita Dinarsyah Tuwo I. Supomo David Allen Worth Tony Prasetiantono Mark Spencer Greenberg Sebastian Ramon Arcuri Direksi: Bianto Surodjo Julian Loong Choon Fong Mirah Dewi W. Sandeep Kumar Jain Indri Koesindrijastoeti Hidayat Abdy Dharma Salimin Bianto Surodjo Anita Siswadi Achmad Kusna Permana

Dewan Pengawas Syariah: H. Muhamad Faiz, MA Prof. Dr.H. Jaih, S.E., M.H., M.Ag.

Komisaris Utama Wakil Komisaris Utama Komisaris Independen Komisaris Independen Komisaris Independen Komisaris Independen Komisaris Komisaris

Plt. Direktur Utama Wakil Direktur Utama Direktur Kepatuhan Direktur Direktur Direktur Direktur Direktur Direktur Unit Usaha Syariah

Ketua Dewan Pengawas Syariah Anggota Dewan Pengawas Syariah

Lembaga Jasa Keuangan: PT Asuransi Astra Buana

Dewan Komisaris: Gunawan Geniusahardja Eduardus Paulus Supit Juliani Eliza Syaftari Suparno Djasmin

Presiden Komisaris Komisaris Independen Komisaris Independen Komisaris

Direksi: Santosa Hendry Yoga Ida Rotua Magdalena Sigalingging Liem Gunawan Santoso Salim Leonard Winston Saur Siregar Mulia Karma Bhakti Siregar Christopher Pangestu

Presiden Direktur Direktur Direktur Direktur Direktur Direktur Direktur

Dewan Pengawas Syariah Muhammad Gunawan Yasni Syamsul Falah

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Ketua Dewan Pengawas Syariah Anggota Dewan

Pengawas Syariah PT Astra Auto Finance

PT Astra Aviva Life

PT Astra Multi Finance

PT Astra Sedaya Finance

Dewan Komisaris: Siswadi Matilda Esther Rotinsulu Yoshihiro Mori

Presiden Komisaris Komisaris Komisaris

Direksi: Ezar Kumendong

Presiden Direktur

Denny Santoso Eiji Ueno

Direktur Direktur

Dewan Komisaris: Randy Lianggara Suparno Djasmin Benny Redjo Setyono Thomas Honggo Setjokusumo

Presiden Komisaris Wakil Presiden Komisaris Komisaris Independen Komisaris Independen

Direksi: Auddie Alexander Wiranata Charles William Barrows Stephanie Arvianti Gunadi Windawati Tjahjadi Luky Setiawan Suardi

Presiden Direktur Wakil Presiden Direktur Direktur Direktur Direktur

Dewan Komisaris: Suhartono Laksanto Utomo Setia Budi

Presiden Komisaris Komisaris Independen Komisaris

Direksi: Darwan Tirtayasa I Dewa Putu Prayoga Ardian Prasetya

Presiden Direktur Direktur Direktur

Dewan Komisaris: Gunawan Geniusahardja Suparno Djasmin Buyung Syamsudin Mohammad Husni Djony Bunarto Tjondro Henry Santoso Ardi Sedaka

Presiden Komisaris Wakil Presiden Komisaris Komisaris Independen Komisaris Independen Komisaris Komisaris Komisaris

Direksi: Jodjana Jody Wie Mia Siswadi Anton Rusli Handoko Liem Samuel Manasseh

Presiden Direktur Direktur Direktur Direktur Direktur Direktur

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PT Federal International Finance

PT Komatsu Astra Finance


PT Staco Estika Sedaya Finance

PT Surya Artha Nusantara

Dewan Pengawas Syariah: Dr. KH. Ahmad Mukri Aji, M.A., M.H Drs. H. Aminudin Yakub, M.A Endy M. Astiwara

Ketua Anggota Anggota

Dewan Komisaris: Suparno Djasmin Buyung Syamsudin Johannes Loman


Direksi: Suhartono Rusdimin Adikarta Hendry Christian Wong Djap Tet Fa R. Nunu Soetjahja Noegroho Indra Gunawan

Presiden Direktur Direktur Direktur Direktur Direktur Direktur

Dewan Pengawas Syariah: Endy Mohammad Astiwara Aminudin Yakub

Ketua Anggota

Dewan Komisaris: Susilo Sudjono Bambang Haryanto Buntoro Muljono Yasushi Sakano Gidion Hasan

Presiden Komisaris Wakil Presiden Komisaris Komisaris Independen Komisaris Komisaris

Direksi: Norihiko Tanaka Andreas Manik Ikrimah Muhammad Sabi Jembar Ganda Ermaya

Presiden Direktur Wakil Presiden Direktur Direktur Direktur

Dewan Komisaris: Iwan Nataliputra Yohanes Suhardi Heri Sunaryadi

Presiden Komisaris Komisaris Komisaris Independen

Direksi: Anang Mazfuad Muhammad Kurniawan Aditya Cipta Harsono


Dewan Komisaris: Wie Mia Handoko Liem

Presiden Komisaris Komisaris

Direksi: Wempy Kunto Wiambodo Daniel Gunawan Soesilo

Presiden Direktur Direktur

Dewan Komisaris:

20

Finance

PT Swadharma Bhakti Sedaya Finance

PT Toyota Astra Financial Services

Djoko Pranoto Diana Makmur Masamichi Takeda Drs. H. Mohammad Husni, MM Hardi Montana

Presiden Komisaris Komisaris Komisaris Komisaris Independen Komisaris Independen

Direksi: Bugie Laksmana Andrijanto Naga Sujady Motoki Toyoshima Harly Setiabudi

Presiden Direktur Direktur Direktur Direktur Direktur

Dewan Komisaris: Jodjana Jody Eduardus Paulus Supit Anton Rusli


Direksi: Silviana Halim Matilda Esther Rotinsulu Dharmawan Phie


Dewan Komisaris: Yasuhiro Yomoda Gunawan Geniusahardja Wiltarsa Halim

Presiden Komisaris Wakil Presiden Komisaris Komisaris Independen

Direksi: David Iskandar Naoki Tokuhisa Kurnadi Tandudjaja Ryusuke Taniyama Bambang Bodhianto

Presiden Direktur Wakil Presiden Direktur Direktur Direktur Direktur

21

5. KEBIJAKAN TRANSAKSI INTRA-GRUP YANG PALING SEDIKIT MEMUAT KEBIJAKAN UNTUK MENGIDENTIFIKASI, MENGELOLA, DAN MEMITIGASI TRANSAKSI INTRA-GRUP

Kebijakan Manajemen Risiko Terintegrasi Bank Permata menetapkan 10 jenis risiko berdasarkan peraturan Otoritas Jasa Keuangan mengenai Penerapan Manajemen Risiko Terintegrasi, dengan salah satunya adalah risiko transaksi intra-grup. Pada Agustus 2016, Dewan Komisaris Bank Permata sebagai Entitas Utama telah menyetujui Kebijakan Transaksi Intra-grup Konglomerasi Keuangan Astra sebagai panduan dalam pengelolaan transaksi intra-grup antar lembaga jasa keuangan yang tergabung dalam Konglomerasi Keuangan Astra. Pengelolaan dilakukan melalui proses manajemen risiko transaksi intra-grup yang terdiri dari identifikasi risiko, pengukuran/penilaian risiko, pemantauan/pelaporan risiko, serta pengendalian/mitigasi risiko.

22

6. INFORMASI LAIN : KOMITE-KOMITE TERKAIT KONGLOMERASI KEUANGAN

KOMITE TATA KELOLA TERINTEGRASI Dalam rangka penerapan Tata Kelola Terintegrasi, PermataBank sebagai Entitas Utama Konglomerasi Keuangan Grup Astra membentuk Komite Tata Kelola Terintegrasi. Struktur dan Keanggotaan Sesuai Surat Keputusan Direksi PermataBank No. 07/2016 tanggal 5 September 2016, struktur dan keanggotaan adalah sebagai berikut (per 31 Desember 2016): Ketua: Lukita D. Tuwo (Komisaris Independen, Bank Permata) Anggota: - I. Supomo (Ketua Pengganti, Komisaris Independen, Bank Permata). - Adi Pranoto Leman (Pihak Independen). - H. Muhamad Faiz, M.A. (Dewan Pengawas Syariah, Bank Permata). - Buyung Syamsudin (Komisaris Independen, PT Federal International Finance (FIF) & PT Astra Sedaya Finance (ASF)). - Wiltarsa Halim (Komisaris Independen, PT Toyota Astra Financial Services (TAFS)). - Hardi Montana (Komisaris Independen, PT Surya Artha Nusantara Finance) - Eduardus Paulus Supit (Komisaris Independen, PT Asuransi Astra Buana (AAB)). - Benny Redjo Setyono (Komisaris Independen, PT Astra Aviva Life). - Drs. H. Aminudin Yakub, M.A. (Dewan Pengawas Syariah, ASF, FIF & PT Astra Multi Finance (AMF)). - Muhammad Gunawan Yasni, SE.Ak, MM, CIFA, FIIS (Dewan Pengawas Syariah, AAB). Tugas dan Tanggung Jawab 



Mengevaluasi pelaksanaan Tata Kelola Terintegrasi paling sedikit melalui penilaian kecukupan pengendalian intern dan pelaksanaan fungsi kepatuhan secara terintegrasi. Dalam melakukan evaluasi, Komite Tata Kelola Terintegrasi memperoleh informasi berupa hasil evaluasi atas pelaksanaan audit intern dan fungsi kepatuhan masing-masing LJK dari anggota Dewan Komisaris masing-masing LJK yang menjadi anggota pada Komite Tata Kelola Terintegrasi. Memberikan rekomendasi kepada Dewan Komisaris Entitas Utama untuk penyempurnaan Pedoman Tata Kelola Terintegrasi.

Pelaksanaan Tugas dan Frekuensi Rapat Komite Tata Kelola Terintegrasi telah mengadakan 3 (tiga) kali rapat untuk tahun 2016. Tingkat kehadiran anggota dalam rapat sebagai berikut:

23

Nama

Jumlah Rapat

Kehadiran

Ketidakhadiran

Persentase

Lukita D. Tuwo

3

3

0

100

I. Supomo

3

3

0

100

Adi Pranoto Leman

3

2

1

67

H. Muhamad Faiz, M.A

3

2

1

67

Hardi Montana*

-

-

-

-

Wiltarsa Halim

3

1

2

33

Buyung Syamsudin*

-

-

-

-

Harry Wiguna**

3

0

3

0

Eduardus Paulus Supit

3

3

0

100

Benny Redjo Setyono

3

3

0

100

Drs. H. Aminudin Yakub, M.A.

3

2

1

100

Muhammad Gunawan Yasni, SE.Ak, MM, CIFA, FIIS

3

2

1

67

Catatan: *) Bpk. Hardi Montana dan Bpk. Buyung Syamsudin diangkat sebagai anggota Komite Tata Kelola Terintegrasi sejak tanggal 5 September 2016. **) Bpk. Harry Wiguna bukan merupakan anggota Komite Tata Kelola Terintegrasi sejak tanggal 5 September 2016.

Beberapa agenda penting dalam rapat Komite Tata Kelola Terintegrasi antara lain: 

Pembahasan draft Laporan Penilaian Sendiri (Self Assessment) Tata Kelola Terintegrasi, periode 31 Desember 2015 dan 30 Juni 2016



Pembahasan draft Laporan Tahunan Penerapan Tata Kelola Terintegrasi, untuk posisi 31 Desember 2015



Perubahan Terms of Reference (TOR) Komite Tata Kelola Terintegrasi.



Pembahasan draft scoring untuk Kertas Kerja Laporan Penilaian Sendiri (Self Assessment) Tata Kelola Terintegrasi.

KOMITE MANAJEMEN RISIKO TERINTEGRASI Komite Manajemen Risiko Terintegrasi merupakan komite yang dibentuk oleh Direksi Entitas Utama untuk memastikan penerapan manajemen risiko terintegrasi yang komprehensif dan efektif dalam Konglomerasi Keuangan Astra. Struktur dan Keanggotaan Struktur dan keanggotaan adalah sebagai berikut (per 31 Desember 2016): -

Direktur Risiko, PT Bank Permata Tbk.(Ketua) Direktur Utama, PT Bank Permata Tbk.(Ketua Pengganti) Direktur, PT Astra Sedaya Finance (Saat ini: Handoko Liem) Direktur, PT Federal International Finance (Saat ini: Hendry Christian Wong) Presiden Direktur, PT Toyota Astra Financial Service (Saat ini: David Iskandar) Direktur, PT Komatsu Astra Finance (Saat ini: Jembar Ganda Ermaya) Direktur, PT Surya Artha Nusantara Finance (Saat ini: Andrijanto)

24

-

Direktur, PT Asuransi Astra Buana (Saat ini: Leonard Winston Saur Siregar) Direktur, PT Astra Aviva Life (Saat ini: Windawati Tjahjadi) Head CORAM & IRM, PT Bank Permata Tbk. Senior Credit Officer, PT Bank Permata Tbk. Head Risk Retail & SME Banking, PT Bank Permata Tbk. Head Basel & Market Risk, PT Bank Permata Tbk. Head Compliance Monitoring & Advisory, PT Bank Permata Tbk. Head, Satuan Kerja Manajemen Risiko Terintegrasi (SKMRT) Non–Bank, PT Astra International Tbk.(Saat ini: Adi Sepiarso)

Tugas dan Tanggung Jawab  

Memberikan rekomendasi kepada Direksi Entitas Utama dalam rangka penyusunan Kebijakan Manajemen Risiko Terintegrasi. Memberikan rekomendasi kepada Direksi Entitas Utama dalam rangka perbaikan atau penyempurnaan Kebijakan Manajemen Risiko Terintegrasi berdasarkan hasil evaluasi pelaksanaan.

Pelaksanaan Tugas dan Frekuensi Rapat Sepanjang tahun 2016, Komite Manajemen Risiko Terintegrasi telah mengadakan 3 (tiga) kali rapat dan tingkat kehadiran anggota dalam rapat tersebut sebagai berikut: Nama

Jumlah Rapat

Kehadiran

Ketidakhadiran

Persentase

Direktur Risiko Bank Permata

3

2

1

67

Direktur Utama Bank Permata

3

3

0

100

Direktur Finance

Astra

Sedaya

3

3

0

100

Direktur PT International Finance

Federal

3

2

1

67

Presiden Direktur PT Toyota Astra Financial Service

3

2

1

67

Direktur PT Finance

3

3

0

100

PT

Komatsu Astra

Direktur PT Surya Nusantara Finance

Artha

3

2

1

67

Direktur Buana

Astra

3

2

1

67

Direktur PT Astra Aviva Life

3

3

0

100

Head CORAM & IRM, Bank Permata

3

3

0

100

Senior Credit Officer, Permata

Bank

3

3

0

100

Head Risk Retail & Banking, Bank Permata

SME

3

2

1

67

Head Basel & Market Risk, Bank Permata

3

3

0

100

Head Compliance Monitoring & Advisory, Bank Permata

3

1

2

33

Head SKMRT Non Bank, PT Astra International

3

3

0

100

PT

Asuransi

Beberapa agenda penting dalam rapat Komite Manajemen Risiko Terintegrasi antara lain: •

Kajian tahunan Kebijakan Manajemen Risiko Terintegrasi

•

Penyampaian Kebijakan Transaksi Intra-grup

25

•

Finalisasi Prosedur Limit Risiko Konglomerasi Keuangan Astra

•

Penyampaian Panduan Penyusunan Profil Risiko Terintegrasi Konglomerasi Keuangan Astra

•

Laporan Profil Risiko Terintegrasi Konglomerasi Keuangan Astra

•

Laporan Kecukupan Permodalan Terintegrasi Konglomerasi Keuangan Astra

26

LAPORAN TATA KELOLA PT BANK PERMATA TBK PERIODE 31 DESEMBER 2016

(SEBAGAIMANA TERMUAT DALAM LAPORAN TAHUNAN PT BANK PERMATA TBK TAHUN 2016)

Tata Kelola Perusahaan

Corporate Governance                                                

  

  

  

  

  



                                        

                             











Tata Kelola Perusahaan Corporate Governance

    

 



      

     

        







 



360

Laporan Tahunan 2016 Annual Report



Resilience with Optimism


















     

       

   



    

    















 















    

 



   



 

 



       

     



      

      





 

 









       



     















































































 

    

  

  

  

  


 

 

 



  


361
















      

       

     





   

The Best Role of Stakeholders

        

     SEAN CG



Scorecard 











    Trusted



Company 

      





 

 



      





      gap analysis

        

      

      

      

     

     



      

       

 



      



 











self assesment     





362






















 

 

     





Good Corporate Governance  Good Corporate GovernanceGood Corporate Governance 



                  

         Good Corporate Governance          Good Corporate Governance      Good Corporate Governance    



                  

 













 





 



 











 





 





 





 





 



 

 



 







363






















      



       





    





       

    

     

      

       

     

 

     

   

    



    

      

    



     



   

     





      



     



 





     

    

     

    

      

   

      

    

     





 

        

    





       

    



 



 

       



      

 

364

      





     

      

      

       



        
























      

     

        



      

fitand proper test  

 

    

      

      



      











 



     

  

          



    

         

       

       



       

       



  

 

      

     



      

 





 

    

      



        



     



     

      

    



  



      

     





 

 

      

       

    

    









365












 

 

    



     



 





    

    

     

 

     

     



      



 

 

 

        



  









      





       

     

   Good Corporate



Governancestakeholder



 Related Party

        

Large Exposures



      related party     large exposures       



      

       





      

 

    

     

    

     

     

     

     

     

     





366






















      

 

    







 

 

 Corporate

 

PlanBusiness Plan

       





     

 

    



 







        

 

 

      

       





      

       

    

       

    

   

   







    



  

       

 







 

        



      

     







      

        



 





367












 

 

     

  

     



     

       

    





         

















      

  



 







  





       



     







 

 

     

      

    

     

     

    





     

 

 



     







       



     

     

     





      

      

    

      

     







     Good

      

Corporate Governance         



     



   

368






















   



 





       

    

     



 

     



    



     

      







            

      

     



  

      

     

      

        

   

      

      

  

     

    

    

     

     

      

      

     



  

 











                

 

     

      

    

     

     

    

          

       

     











    



     





       



 





369


















       

     



 

     



      



     

     

      

      

 

  

        

            







 

      

    

     

        





      

    



     

      



      





 

       

         







     

 

 









    



     







 









      







     

      

     

     

        

     

      

     

    

  operational risk assurance  

       

370






















    

     





    

     



      

 Related Party

        

Large Exposures



     

       



 

      



      

       





      

       

     

      





     

     

 



     

    



      













    

          



   



  



 

    

      

     

      



     

    



      







      

       

    

    

    

      



    

           Resilience with Optimism



 Laporan Tahunan 2016 Annual Report

371
















     

      

    

   

   Chief Chat road show 

     

 town hall   



 



     



     

    

 



     

     

      





 

       

   



     







 

 

      

       





      

       





   

        

     

    



          

     

 

     



     



  

        

      

               

     

       

    



  

 

    



     

      





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



















 

 

     



    





       



     



       

 



 







  





       



     







 

 

     

      

     











     

      

          

    



      







 







    

            





    

      









 

 

     

 

     





     






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








 

 

      

      

        

     





    

     

    

     





      

     











 

 

      

       

      

       



        

     



     



  









      





 

      







      

    

     





       

       

     

       

    

    





     



 



374



 









      

    

      





     



       






























 Related Party

        

Large Exposures



     

       

     

        



    

         



      

       





 

 









    



    

      

      



  stakeholders  

      



       





 

      

    



      



    

      

    



 





    

    





    









     

      



 

 

 

      

 

      

       



        

      

       

   

     

     

     

     

      









375














     







     







      



     

     



   



  









      

    



     



    



    



      

 

     

       













Good Corporate

       

Governance.



  





















  



          Related Party Large Exposures  

           Large Exposures  

            

           

   

376





    


















  





















 

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  



 

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           

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            Risk Based Audit

     

    

       

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   

   

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          

   

   

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   

     

 Assurance    Client RelationshipCredit Risk ReviewersDelegation of Authority holders.



   Trade.         

Trade  

Trade  



 





377












  





















    



  

  

Corporate Portfolio Standard, Underwriting Standard, 

     

  Credit Origination

key risk  peer-assessment (sampling) 



 

        

 

       

   High, Medium, Low

 

   

   Credit Initiation and Approval

 

  

Deputy SCO    Compliance checklist              

378





 


















  





















 



  

 asset sales 

 

  

     

  

    



  

 





379












DIREKSI

BOARD OF DIRECTORS

     

        

     



     

        



      



        









   

 

 

 

        



 

 

      

 

     

      

   



 







                   

        

     

     













      

    



   

    



        

  

    

    

      





     







            

    

380






















 









      

        





       



 

      



        

    

      





      

         

       



     Fit and Proper

 

Test.



     

        

     

       

     

      

     



     

       







     

     

        

    

     

    

      

   



  



       

         

     



     







      

        

     

    

    

  









381
















   

     



     



 

 



      

         





       

 

     

       

     











      



     



     



    

       

     



       













          

      

   

        



       



       



 

       







 

































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























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































   





     











  

          

 

         


                             




383
















  

     

            

 

                            

   

    

   

     

            

   

           

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                       

























  

    

         

         

 

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                                                     

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














  

             

                      

      

 

     

        

Board Manual



    

      

      

       

       

   

 Board Manual   

        



        



      

Board Manual

        



 





 

       

 

 

 

 

 

 

 



 

 

 

      

 

 





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



















 

 

 

 

 

 

 

 





 

 

 



Board Manual      

        



       





 





 



       

   



     









      

      





 



       

     

       









     





       



    

        











      

     



    







     



     

     

      

      

      











387












 





  

       



       

      



      



     

  

     



      



    

        



        

      







 

 

 

 





      



  

 

     





        



      







 

      

       



       

        

           

       



 

      

     

        









388






















      

         

      





















 













     

        

 

        

     

  









     

 

 

  





     



 

Performance Planning





    

     

 Performance planning  

      

      

     



 



Performance Feedback  Coaching





Performance Feedback  Coaching 



      







    

        



 





389




















     

      







 

     

      

      

       

     





       

     

      



        

      



     

        



         



       





     







     

      

      

      









           

 

 

   



 







    

     

    





      

      











 

390






















 

 

      

        

      

         





 

   

































  









  



















           

 













 





 





 





  







391




























 



 



 



 



  

   









      



       

        

      

           

       

       





 





         













        





  













 









































392




























 













 













































































      







































 

































IT Strategy Update







Distribution Strategy Update







    



       

Prinsip-prinsip Syariah 

Risk Appetite





























 

 





              















393












      

 





 













 

















































































































 

      

 

 

     

        

     



       

      

      charter



     

        









 



394






























      

        

  

       



 

 

 

     

     

                    

                    







     



     

     

        

            

    

      



     

    

      

     



      



      

 

 

     













395




























































































 







































  





      

      











      

     

    

     

     

  multifinance property  



     

     





    



      

    Risk Dashboard Term

      

of Reference     

     

     

    

     

      

 Risk Control Owner  semi Annual Risk



Appetite  



 

  

    

        

      



    

      



      

     

      

   Assurance  





396


























     







          

 

          











     

     



       

 risk appetite   

   

 



    

   

   



     

     

      

     





























































































































  





397














     













































 

 





     

       

    

     

      



         

 

        



  







        

review













             



     

        

      



       



























































398
























      









     

  

Personal LoanCollateral Recovery Rate



 



   New

Credit



Card Application Risk & Revenue Scorecard

      

Development 

      

Credit Risk ScorecardCredit Card











Business Cycle Adjustment



Emergence Period

      

      

  











        





               

 

      

  





     

       



      

      

       









     



   

     

     

       

     

      



     



     









399














     



 



   



 

             

   









 



      

  





 Term of Reference   



  



     



              

 

       







      



 













      



     







assurance 

    

      











      



     

  

     





   





     

       





 

400
















































































































  









       

        

      







         

 

         









        

     











 

      

     

      



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    











    

       

Retail Banking Credit Policy Manual, Wholesale

     

Banking Credit Policy, Credit Grading Policy, Collateral

     

Valuation Policy



              



 









      

        

       

 





    

 

    



 





 





    



       





     

       

     

        

402






















      

        

      





       



       







 

 

     



     



     



    

     











Terms of Reference

        



        

       

       









 

        

        











      



 





 

      

    

     

 roadmap

       









403














    

      

  Project Charter   

      

     



 



 

      



     



       

    

       













 



 



     





      



             

    

     

     

     

    



 

  sub-committees  

 

    

      

    

     

        

     

     



       

    

              

    

      

     

    

    



 

 

 

     

         

      





404
















































































































  



      

    











roadmap

 

 

















Dashboard    



 













         

      

      



 

 

          

          

 





405




















    

     

     







 



 

 

    



 

   



    

     

      

     

       

     

  



     







 

      

        

   



 





































































































      









 

 



  

 



compliance



    

  ALCO Guidelines  Market Risk

      

Guidelines





406
























    



 short-term  structural 



liquidity contingency planliquidity risk limits, capital



Funds Transfer Pricing policy

 





 

Coverage Ratio       

 

Liquidity



   

 

Consultative Paper

       

Net Stable Funding Ratio 

 

 







         

      



       

      



     

 

                    







   

   

                  

        









      











      



 

      

     



       





    



 Resilience with Optimism




407














    





     

 







      

     

        

      



    

     

     

      



   

           Speak Up 

 

Open Door 

      













      

 



 

      

 

     

 

     



      



            



 

     

          



     



       









 

408
























 

      

      















































































  







valuebankwide





























     





      







     

       

fraud

 

    

























      

















409












   

 

   



  













     

     



     

       

   

    

     



 

     

        

      

    







     



      

     



 

    





      

       

  fraud  



     



  





      

fraud      



 

       





               

fraud

 

    fraud



       

      

     

fraud



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





















 

       



 



























































     

      



        

    

     

fraud

      

       



fraud



 

 





      

        

        

         

      

          







      

      



  

  











     


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














         

     

      

   bad book  

       

    

     







 

   

        

   

            

































































































       



Non-Performing Loans Update





 

 



     



      









412






















RAPAT UMUM PEMEGANG SAHAM

GENERAL MEETING OF SHAREHOLDERS

      

        

     



      



      

         

    

         



      



       



        

 

 







       





       

       

     



                    

       





      



     

       

 



       







     



        

      





 







    






       





     Laporan Tahunan 2016 Annual Report

413












     









          

     

     

     

               

     

  

 

 

 

 

        

  

       

     

     





      



      

     

      Right Issue      

        



       









 

 

     

      









        

 

  

         

      

 

      

        

one share-



one vote  

 

 



414






















     

        

  







     

 





      

       





    



        







       

      



        



     

      

    



          

        

     









    

   





     

    

 

 

   

 

  



 

 









 

                   


 




415












 



    



       volledig acquit et de charge                                



        volledig acquite et de charge 



  

 

  



  



 

 









 

              



                                                          

   

                    

         



            

  

                                                

  

           

 

   

416


 





















   



 

 









 

           







  







    

                       

           



   



 



  



 

 









 

   



               



                            





                                               






                                                                                       




417












 

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                 



                    

  

 

                    

                    

                

                

    

    

                    

     

                                            



            

  

 

 

 

  

  

  



 

 









418






















                         



              

     



                                    

                       



                           

                                                 



          

    



          

                 

 



  



  



 

 









               



                          

                              



                             





419












                                                               



                                                                           

       

 







                   

          

             

    





  







     

       





       



       

       



      





      



       

      



    

         

      



       

     

    





        



         

420






















   

        



 













    



































































  





     

 

       

      





      



       

     



       





        

      

        



 

              



         Resilience with Optimism




421












   



  



 

 









 





           



    



       volledig acquit et de charge                             



             

  





  

           

  



  



 

 









                     

   

 

   

 



422

 



 

 






























  

           







  







                   



         

           

 

   



 



  



 

 









 



               



                

         

  

 

 

 

                                  



 

                              

  



  

  

  



 

 













423












  

                              





                 



                 



                                    



                          



     



         

                         





              

 

                

   

 

 













         



             







                 









       





       



        



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





















      





  

      

       

      



       

         





     



       



       

       



          





 













    







































































425












      

      

     

      

      





     







       

             

       



        

      

       





              



       



    

 

  



 

 









             



              

                     



                        

                                



                                            

                         

     

 

 

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























                 



  

 





       

     







       

        

     





        

      

        

     







      



    

        



      

       

               

         

      

      





         



        





 









    























427




















































      

      

     

      

     



      

        

       

      

       



        

       

     

        

      

       

      



              



       



   



  



 

 









 

                               

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

                           





















 

                                                



      

  

            

                

                

                    

                    

    

    

                 

                



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                                              



                                               

           

 





            

      

               







        

     









429












 

       

        

     

   

       

     

      

       









      

      

     

       

       

       



      

        

       

         

      

      

       



         



         





 













    















































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































      

      

     

      

     



      

       

       



       



 

       

     

        

      

       

      



              



       



   



  



 

 









                                       



                                 

                     



            


                                                   




431












 

                                            

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                                         

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                                                   

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                                                                

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

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432

                    

               

 

           

                

                

                    

                    

    

    

                                                   

                     

                                   


 

             

                                               





















       

  





(all less than 10%)*

 

 



(Public Company with standard listing in London as its primary listing and secondary listings in Bermuda and Singapore)



  

 





(all less than 10%)*

  (Public Company with standard listing in London as its primary listing and secondary listings in Bermuda and Singapore)







 

  (Public Company listed in Singapore)

(all less than 10%)  









 

(all less than 5%) 









 





433












DEWAN KOMISARIS

BOARD OF COMMISSIONERS

    



     

      

    

      

     



    

       





     



























    



  

 

 

 

       







 

 

 

        

    

     

   

       

 









                   

        

     

     















    



434

   

    



        






















  

    

    

      





     



    

    

     









      





    



     

        





      







    

 













  







     



      



      





         

 









     

    

      

      

 

     







      

 

       



      



      

    

 

     







     Fit and Proper

         

Test     

       

      

      







435












 

       



    

      



    

        

    

      

   

      



      









    



cooling off











      

         

      

        







 

    



     

  

    

   



    















      



     



     



     



    



      



  



      

          

     

     

   



     

    

     



        

436


         























     

       





      

        

     



  cooling off

 





     



     



      

     

            





         

 

      

             

     









      

       



     







        

      



      



      





         

      









 





































437










































     



    



 











        









 





    



 

      



     







    





     



       

     

     



       

      

      





         

       

 

        

    

 

 

    

 

             





       



     





 

      





     





438
























     









    



     



 

     





      

 

  



      

     

     









      

     







        



      

      

       

    

    









 

       









     





      























      

















      



      

 

          

    

      









439












 

 

     

        





    

      

      

       

       

   

     

        



        



      

       

        



         





     

 

  

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 





 

 

 

 

 

 

 

 

Board Manual      

        



       





440
























 



  







      



        

        

     







      

       

      



     



      



    

        



        

  







 

 

 

 





      



  

 

     





        



      





 

 

      

       

     

       

    





441












        



      

       





      

       

     

       









      

        

 









         



 

 



                



  

  





     

       

     





 

 

     

       











      

442






















     







 

 

    



    



     



    







 

 







    









   







 

















   

        

 



    

    

     













      







   

   











       

            

       

       















443












       





         



         

    

      





      

       

       

          







 



        











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    

  Wholesale Banking Business Update  Top

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20 Customers



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Retail BankingBusiness Update

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

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Banking Landscape Update

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

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IT Strategy Update

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

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

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

 



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 

             

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

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      

      

 

      



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

             

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     

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 

 

 

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             

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














 

 

     

      





 

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

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



 

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

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

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

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

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

 

               

 













 



















































































 

  

 

 

      

       

      

       



        

  charter  



      





445












 

 

     

       

     

      

     

 

      





      

     

      





Charter



KOMITE AUDIT

AUDIT COMMITTEE



 

     

       



     

     

      

       



       

       







       





       

















 













 

 



 

 



 

 



 

 



446
























      

     

       









      





   



    

      

 

        

      





     



      

 

     

        





      













        











      

     



             



       

    

     

    

   

    

     



       



    





              



     






      


447




















     





   

 assurance  non assurance  

     

    







 

     



       







      





    



  

     



       

    

     

     

      

     

       





   



 







     

    

      



     



 



 













 

 

   



     

     



    



 

   



 



 







   

 

 

448

   



     

     


































    





          



       

       

    



  

        













     

       

      







 













 





    







   







   



 



    





      









 



           

 

   







      

    

      

    



      

       

     









449












 

























 

    



    



  



     



 



         





       







 



 







    



      

       

 

     



 

 





      

  















    

       

     

       

   



     



 

     



     



  

450

    



      

    

    




























     



   

   



  

    

      





    

      









   

    



     

    



 





     

   

     



































Good Corporate Governance













     

         





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

     

      







   

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     

            

     fee 





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 

     

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     

    

      

    



     









451












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      

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

     

 



     

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

      

 





     

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

 

 

 



       





 





















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

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





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





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









  

 

 

      



     











    

     

      

      

  

      



      







    

     

       

    

     

    







452
























    monitoring 

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     

    

       

       



        



     

      





      



 

     review 





     



     

       

      



 





        

 







     





    



    







        





       







453












KOMITE PEMANTAU RISIKO

RISK MONITORING COMMITTEE 

      



      

     

     

 

      

      



        

       

























  



 

 



 

 



 

 



 

 



 

 



 



 

 



      











    











 

     



     

    









454
























 

     

      









            

  



      





        

        







     

     





        





      

     

     



    

















 

 



































































 

  

     



      

      

     

      

     

       

     

     

     













455














    



     

 

       



 

     



      

      

      

      



      

      

              



      





      

     

      

 











KOMITE REMUNERASI & NOMINASI

REMUNERATION & NOMINATION COMMITTEE

 

  

     

      

      

     

     



      



      

     

     

   

        

   



 

456




































  



 

 



 

 



 

 



 

 



 





   

 

 

     

      













     



 

      



       



 







            

       



  



     



 

     







     





     

       



          





457
















      













    

      



      



       







 

   

 



     

 

   





       

 

     

       





    





       

     

   





     

       



       



    



    

 

 

    









 

 

     



    

       

 









 

 

     

       



458
































   

     





      

 

 

      



 



     

         



 













        



    



        

     

       



      



         







   



     

   







    



     

     

        





   



      

        

 

 

 

 

 

     

      

        

  





      







459


















































































 

 

     





 











    



   



















       



     



 

       

KOMITE TATA KELOLA TERINTEGRASI

INTEGRATED CORPORATE GOVERNANCE COMMITTEE

     

 



       









460






















KEPATUHAN & LEGAL

COMPLIANCE & LEGAL





     



      







      



      



       



      

      



     

     

        

      

    



     

    

      



     





  

  





 Compliance Advisory







 

      



      

      

      





     

  

     



      



      

      

      

        

      



 

          

   

    



 Resilience with Optimism




461














    



     

       



   

      

     

     

    

      

     



   review   





 





        

       





        

     

     





     

 

     











 













       

     

        

     

       

     

       





  Compliance Monitoring  



     



     



     











       

       



     

        

      

        

       

      

     

     

     

     

       

462


      





















      

      

      





 

 







     







 Compliance



 





     



 



          

      



    



    



regulatory



audit monitoring system       













     

     

    

    

       

     

      



     

    Compliance

     

              e-learning 











     



     

       

    









463














 





    



   

     

 

     

    



      

    

     

     



 





Compliance

       

             



 

 Compliance











      



      

           

       

      





Compliance        



monitoring   testing    



    



     



      

       

   

      

              



        





464






















 

 





      

 



     

     

     



      

    



     



     



     

     







    



  







       

    





       





   



     



                        



           







     

      











         





465












     

      

     

     







      



 due diligence    

      

enhanced due diligence     

      

           

      





   screening    

  

 

Country

 Prevention

 Money

Laundering



    

Officer   

   

      

     

     

     



  







 

       



              Anti Tipping-Off; 

 

Record Retention;





    

 

     



     

   

   

 

 



 Shell Banks





 





      

466






















 Know Your Employee

  











 

 payable-through accounts 



   



     



      







 

    







 

      



 







     

     



       

  

    



       





 









     

       

                     







     





        









467














     



 



      





     



     





 



     

       

     

       





      

       



       

       



      

       





      



      



     





      

        

       

      

       

      

     

     

       

     

      



       

     

       

                      

       

     



      



 

468
























        



     

              

        



     

       

 outgoing transfer  

outgoing

transfer



Outgoing

transfer     



   

           outgoing transfer 





outgoing

transfer     



        



       



         outgoing transfer



     



(straight through processing).









  

         

    



               

        

    







 

        

   













 





469












        

        

    







         

         

         

         

 

        

    

       

     

      





 

        



    





             

         

          

         

        

        

     

      





   

         

 

        

    

      





        

        

     







         

 

    







 

        

    

      

     

    

     



   

470


  





















        

        



   





 

     

     







     



         

        

    

      





        

       

    

   





        

        

     

      





        

        

    

      









471












FRAUD RISK MANAGEMENT

FRAUD RISK MANAGEMENT

     

      





      



  



      

 

  fraud     



     



 Head of Business / Functional Units 



  fraud    

     









 

        

 

 

    Head of Business /



Functional Units       



     



         



 

Head of Business/ Functional Units





             

fraud



 

       



       

Speak-Up



       fraud



fraud 











    

 

          

   

  



472






















      

       

fraud 



     



     





    fraud  

      fraud

  fraud



Head of Business/ Functional Units   

       





 

 

fraud

       

     

     

    

      

       

     

    fraud  

       







 

  

     

fraud

      



        





      

      

e-mail   



    



    



         

       

     



     fraud  training

       

   



fraud

     

 







473












Anti-fraud elearning    

     

       

       

    



     



 

       sharing



session  

          

    





 

 

    

       

     

    

   whistle blowing

      

     



  

 

Surprise audit



      

       

     

      





      



   special audit 

       

fraud



     



review  

 

    

        

Speak

Up     

        

 Speak Up   

       

     







  

474

 









(surveillance) 

      

    

     






















 fraud advisor/examiner

 

        



 

  



     

   Fraud Oversight Committee

     

fraud                 fraud



     

    

     



      



     







      

     

     

   









 



  fraud        

      

        

      



       





 

 

        





 

 

    Anti Fraud 

       

          









 fraud;


         




475


















fraud; 

       

     



fraud 

 

 

  anti-fraud  



    

    

     

fraud.







 Fraud Risk Assessment

       



        

     

     

    

      

      

       

      

        

    fraud   



fraud  

476






















TATA KELOLA REMUNERASI

REMUNERATION GOVERNANCE

     

    

    

     



        

     









      



   

         



     



     





     









      

       

      

      

     

       





 







 

 

 

 

 

 

    



peer group practice     

      

  











477












 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Benefit



Perqs  

   

 

478






















SEKRETARIS PERUSAHAAN

CORPORATE SECRETARY

    



     

      

     



       



     

       

     

      

      

        

       







      

     

      

      

      

       















     

      

    

      

     





      















    

 

      

     









479












 

  

 

 

       

 

  















 



 

 



 

 



 

 



 

 



 

 



 

 



 

 



    Public Listed Company WebsiteKepala Bagian Tata Kelola Pasar ModalHead of Research     Head of Research   

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

































 



 

 



 

 



 

 



 

 



 





        



 

 

     











          



    



     



       



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 





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 

       

    

       

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

     



    



      



    



 

      





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      







       











481














    



      



 



     











 

               

 

      

         

    













      





 









 



 

 



 



 







 







 



 



 



 



 



 



 



 



 



   



482







 

 






























 



 



 



 



 



 







 



 



 



 



 



 



   



 



 



 



 



 



 



 



 



 



 



 



 



 







 

 

 

483
























   



 



 



 



 











 



 



 



 



 



 



 



 



 



 



 



 



 



 



 



 



   



 



 



 



484





 

 

 



 






























 



 







 



 



 



 



 



 



 



 



 



 



 



 



   



 



 






 

 


485












SATUAN KERJA AUDIT INTERNAL (SKAI)

INTERNAL AUDIT (SKAI)





     

        

    

      

    

        





                





      

 International Professional Practice

     

Framework   The Institute of



Internal Auditors



review            

       









        

486






















 

 

 

 

 

           

 



 

 













        





    

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      

     

       

     



 









    

 

 

       

     

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


        




487




















  soft-skills  

      

    



       

      

    

         



      

Human Resources   Training



Credit Risk       



           



             

     









      

  



 







  



   

488

   

 




 



 





 





   




 




















 

 

     

        

     

      

      

       

      

       



        

     

      







  

      

  

         



 







 







 



 





489
































 

      









        

    

 



    





      

 



     

     









     

















     

  

 







    



 



    









  















               



     

     



 









    



      











    



      

 

490


     

































     

         

     







      

   

    



               

       

   quality assurance 



      



    



exceptions reports core banking system

       









upgrade





      

 audit management system  



    



self-assessment

 



      

         

     



       

        

     

       



      

      



      



 











      

          audit


       




491












universe       

       

    



  



     



Quarterly Refreshed Audit Plan.        











     



      







492






















SISTEM PENGENDALIAN INTERNAL

INTERNAL CONTROL SYSTEM

     

    

      

      





     

     









   



     



 







      



      

 review    















dual control / dual custody



 

 

 



















 

 

     





       



















    





       









      

    



     

    

     

















493












    

      

      



  



       









    











 





    



 





       





    



 

      

  





    

       

      

   



   

      





    





        

 



   three lines of



assurance  irst Line of Assurance   

       

     

    

self-assessment 

    

Risk Control Owner  



     

     

    

        

     

  



494






















    review

    

 assurance  econd Line of Assurance:assurance

       

Operational

     

Risk Assurance, Risk Control Owner, Compliance

     





  Line of Assurance   

       

independent assurance   

     

     



    

 



    



     

    assurance    assurance   



assurance independent assurance

 



     





 

     





    

 





     

 

    



    

    









Control Integrated

 

Framework     

      

     

     





  three lines of assurance 



            



assurance

       





495












     

        



      

     

      

            

    

       

      









AUDIT EKSTERNAL

EXTERNAL AUDITOR

 

                



       



        



       



       

       





  

496
























PERKARA PENTING

LITIGATION





      

       

     

     

      



 





  



 



 









  



 



 



                       

 



    

  

  

 

     

    

 

 

 

 

 

  



   





497












    

 

 

  Impact on the Financial Condition of PermataBank

   



 

 

  handphone 

  

   

   

  

  

    

    

       

      

 

 

  

 

   

  

 

 

 

 

SANKSI ADMINISTRATIF

ADMINISTRATIVE SANCTIONS

       

       





498






















AKSES INFORMASI DAN DATA PERUSAHAAN

INFORMATION ACCESS AND CORPORATE DATA

    

  

    

              

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

      

        

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

      

      

e-mail

   



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





       

      





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

      

      



     



             

     





    

     

           

      

briefing       

        

      



     

      

      

        


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










      

    outsource  







      



      

      



   









   press release 







 



 

 



 





 





 





 

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

   





  





 





 





  





 





 





   





  





 





 





  





 

500
























 

 





 





  





 





 





 



 





  





 





 





 





 





 





 





 





 





  





 





 





 











 





  





 





  





 











 





501












KODE ETIK

CODE OF CONDUCT

     

      

     

        

      





 





        



        

      

    

        

         



   



     

      

        

     





 

 



      









     





















    





entertainment 



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

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

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

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

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

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  mis-sell  misrepresent 

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        

 

     

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

502








      

    

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 





 



 

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





















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

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





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 

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

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



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

 

  

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

      

        

Right Start      



           



     



 

    e-learning

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      

 



 

  

     

      



      

     

       

       

       





 

  

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

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

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    

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      

 



    

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 






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




503












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    



     

      

 



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Entertainment

 

































 

   

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

 

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 





















BUDAYA PERUSAHAAN

CORPORATE CULTURE





     



      

 

  



 



  



         







   

   

   

   

 

   

   

  


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505












PROGRAM KEPEMILIKAN SAHAM OLEH KARYAWAN DAN/ATAU MANAJEMEN

EMPLOYEES AND/ OR MANAGEMENT SHARES OPTION PROGRAMS





Share options      

          

   

        

      

        





      share options 



 





 Employee Stock Options  

       

     



      

        

      

         





employee stock options program





506






















PELAPORAN PELANGGARAN

WHISTLEBLOWING SYSTEM

 





 





    

      

      

       

      

       

fraud



     

     

 Speak-Up     



      



   













      

     





     

 Speak-



Up 

    





     



  Fraud Risk Management Internal Audit

     

Legal Human Resources, PIC Speak Up  



  Speak-Up    

      





     



Speak-Up  Speak-Up Council  

      









507












  

          



Full Disclosure







Partial anonymity







Anonymous





  

  

              

  

       

      

    

     





        

 

           







   

      





508






















PEDOMAN TATA KELOLA PERUSAHAAN TERBUKA

GCG GUIDELINES FOR PUBLIC COMPANIES











    



           

     

    



  

 

 

 

 

          



       



        

           





 

           

 



      

       

Board Manual.

 


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


















       

Board Manual

                  

     

         

 





   

           

 

 

      

Board Manual

         

Board Manual.

  



    self assessment  

        Key Performance IndicatprPerformance Appraisal            

self assessment)   

             

         

 

              



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



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

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

 

    

              

  

 

      



               

      

   

  

  

   

whistleblowing

  Speak Up

        



            

 

           

  

             

         ultimate shareholders

             





511












PENYEDIAAN DANA KEPADA PIHAK TERKAIT DAN PENYEDIAAN DANA DALAM JUMLAH BESAR

PROVISION OF FUNDS TO RELATED PARTIES AND LARGE EXPOSURES

related party



large exposure



 







































INTERNAL FRAUD

INTERNAL FRAUD

    



   internal



fraud

 

     









    fraud 

        





fraud 

  E-learning Fraud  



  fraud awareness 

             

     





       





fraud



inductiontraining 



 

fraud





      



      

    

       





512




































  

  









 



 





 





 





 





     































   

     





TRANSAKSI YANG MENGANDUNG BENTURAN KEPENTINGAN

CONFLICTS OF INTERESTS TRANSACTIONS

       



TRANSAKSI AFILIASI SESUAI PERATURAN BAPEPAM-LK NO. IX.E.1

AFFILIATED PARTY TRANSACTION IN ACCORDANCE WITH BAPEPAM-LK REGULATION NO. IX.E.1

           





513












      

PEMBELIAN KEMBALI SAHAM ATAU OBLIGASI SUBORDINASI

BUYBACK OF SHARE OR SUBORDINATED BONDS

     



      

       

     

       

      



            

        





PEMBERIAN DANA UNTUK KEGIATAN SOSIAL DAN POLITIK

FUND PROVISION FOR SOCIAL AND POLITICAL ACTIVITIES



       



           

      



      

       

     







       





514






















TRANSPARANSI KONDISI KEUANGAN DAN NON KEUANGAN BANK

TRANSPARENCY ON BANK’S FINANCIAL AND NON-FINANCIAL CONDITION

                           



       

 







 















































 





















































































 























































 

































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










  













 











 

 

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

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

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

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

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 

  

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



 

       

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  



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

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

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



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

516

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

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 

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



















  

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








  











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

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

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

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    

   





 



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







 













    





 













  



518


























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519

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








  











 































 



 











 





 





 





 

 

 



 







    

520






















  











       

    





521












   

 







 







 















 















 



















 







































       



















               

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











 



























































 

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

 



















 





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

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





   

  













 





































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 





         



















 

 

522






























   

 





  



 



















        





          





 









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

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



             

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                 

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

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



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











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



      

 





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

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

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

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 

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      

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

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

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 

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

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

 

 









523












   

 



















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





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

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 

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









 











  

   





















 

 







 



 

  







 

















 









   









 



















 

















 





   

















 

    

  





  

 





 

 





   

      

524






















 



   







































































































    































































































    



   




     



  


525












   













 









































  











  

    























wadiah  







 

   

   





 



































































































wadiah

mudharabah

wadiah

 mudharabah  





wadiah 





mudharabah 



 









mudharabah 























mudharabah

mudharabah



























































526



 


































































































                    bad book      recovery      good book       fee-based income               



 



      

            



     underwriting                channel  

                          

       fee based income        

                        

                          

                         

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LAPORAN TAHUNAN PELAKSANAAN TATA KELOLA TERINTEGRASI KONGLOMERASI KEUANGAN GRUP ASTRA PERIODE 31 DESEMBER 2016

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