GRUP RESONA BANK CONGLOMERATION LAPORAN PELAKSANAAN TATA KELOLA TERINTEGRASI KONGLOMERASI KEUANGAN

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LAPORAN PELAKSANAAN TATA KELOLA TERINTEGRASI KONGLOMERASI KEUANGAN GRUP RESONA BANK IMPLEMENTATION REPORT OF INTEGRATED GOVERNANCE OF RESONA BANK GROUP FINANCIAL CONGLOMERATION 2015 DAFTAR ISI Table of
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LAPORAN PELAKSANAAN TATA KELOLA TERINTEGRASI KONGLOMERASI KEUANGAN GRUP RESONA BANK IMPLEMENTATION REPORT OF INTEGRATED GOVERNANCE OF RESONA BANK GROUP FINANCIAL CONGLOMERATION 2015 DAFTAR ISI Table of Content 02 PENDAHULUAN Introduction PELAKSANAAN TATA KELOLA TERINTEGRASI Implementation of Integrated Governance STRUKTUR TATA KELOLA KONGLOMERASI KEUANGAN GRUP RESONA BANK Structure of Financial Governance Conglomeration Resona Bank s Group STRUKTUR PEMEGANG SAHAM ENTITAS UTAMA DAN ENTITAS ANAK Structure of Shareholders of Main Entities and Subsidiary STRUKTUR KELOMPOK USAHA Business Group Structure TRANSPARANSI PELAKSANAAN GOOD CORPORATE GOVERNANCE Transparency In The Implementation Of Good Corporate Governance LAPORAN PELAKSANAAN TATA KELOLA TERINTEGRASI KONGLOMERASI KEUANGAN GRUP RESONA BANK TAHUN 2015 IMPLEMENTATION REPORT OF INTEGRATED GOVERNANCE OF RESONA BANK GROUP FINANCIAL CONGLOMERATION 2015 Laporan ini disusun berdasarkan Peraturan Otoritas Jasa Keuangan (i) POJK No. 18/ POJK.03/ 2014 tanggal 18 November 2014 (ii) SEOJK No. 15/SEOJK.03/2015 tanggal 25 Mei 2015 tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan, dan Peraturan Bank Indonesia (i) PBI No. 8/4/PBI/2006 tanggal 30 Januari 2006 yang telah diubah dengan PBI No. 8/14/PBI/2006 tanggal 5 Oktober 2006 dan (ii) SEBI No. 15/15/ DPNP, tanggal 29 April 2013 tentang Pelaksanaan Good Corporate Governance Bagi Bank Umum. This report is compiled based on the Regulation of the Financial Services Authority (i) POJK No. 18/POJK.03/2014 dated November 18, 2014 (ii) SEOJK No. 15/SEOJK.03/2015 dated May 25, 2015 on the Implementation of an Integrated Good Corporate Governance for Financial Conglomeration and Regulation of Bank Indonesia (i) PBI No. 8/4/PBI/2006 dated January 30, 2016, as amended with PBI No. 8/14/PBI/2006 dated October 5, 2006 and (ii) SEBI No. 15/15/DPNP, dated April 29, 2013 on the Implementation of Good Corporate Governance for Commercial Banks. 2 PENDAHULUAN Introduction Laporan ini disusun berdasarkan Peraturan Otoritas Jasa Keuangan (i) POJK No. 18/POJK.03/ 2014 tanggal 18 November 2014 (ii) SEOJK No. 15/SEOJK.03/2015 tanggal 25 Mei 2015 tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan, dan Peraturan Bank Indonesia (i) PBI No. 8/4/PBI/2006 tanggal 30 Januari 2006 yang telah diubah dengan PBI No. 8/14/PBI/2006 tanggal 5 Oktober 2006 dan (ii) SEBI No. 15/15/DPNP, tanggal 29 April 2013 tentang Pelaksanaan Good Corporate Governance Bagi Bank Umum. Dalam rangka meningkatkan kinerja Konglomerasi Keuangan Grup Resona Bank (Grup Resona Bank) dan meningkatkan kepatuhan terhadap peraturan perundang-undangan serta nilai-nilai etika yang berlaku pada industri jasa keuangan, Grup Resona Bank telah melaksanakan kegiatan usaha dengan berpedoman pada prinsip Tata Kelola Terintegrasi yang baik. This report is compiled based on the Regulation of the Financial Services Authority (i) POJK No. 18/POJK.03/2014 dated November 18, 2014 (ii) SEOJK No. 15/SEOJK.03/2015 dated May 25, 2015 on the Implementation of an Integrated Good Corporate Governance for Financial Conglomeration and Regulation of Bank Indonesia (i) PBI No. 8/4/PBI/2006 dated January 30, 2016, as amended with PBI No. 8/14/PBI/2006 dated October 5, 2006 and (ii) SEBI No. 15/15/DPNP, dated April 29, 2013 on the Implementation of Good Corporate Governance for Commercial Banks. In order to improve the performance of the Resona Bank Group Financial Conglomeration (Resona Bank Group) and to improve compliance with the prevailing rules and regulations, as well as the ethical values prevailing in the industry of financial services, Resona Bank Group has carried out its business activities in observance of the principles of good Integrated Governance. Pelaksanaan Tata Kelola Terintegrasi pada Grup Resona Bank harus senantiasa berlandaskan pada prinsip dasar sebagai berikut: 1. Transparency (Transparansi), keterbukaan dalam mengemukakan informasi yang material dan relevan dalam melaksanakan proses pengambilan keputusan. 2. Accountability (Akuntabilitas), kejelasan fungsi, pelaksanaan dan pertanggungjawaban organ dalam Konglomerasi Keuangan sehingga pengelolaan perusahaan berjalan secara efektif. 3. Responsibility (Pertanggungjawaban), Kesesuaian pengelolaan Entitas Utama dan Lembaga Jasa Keuangan dengan peraturan perundang-undangan dan prinsip-prinsip pengelolaan yang sehat. 4. Independency (Independensi) atau Professional (Profesional), Pengelolaan Konglomerasi Keuangan secara profesional tanpa pengaruh atau tekanan dari pihak manapun. 5. Fairness (Kewajaran), keadilan dan kesetaraan dalam memenuhi hak-hak pemangku kepentingan yang timbul berdasarkan perjanjian dan peraturan perundang-undangan. PT Bank Resona Perdania (Bank) sebagai Entitas Utama memiliki Visi: Menjadi Bank yang paling dapat diandalkan di Indonesia untuk perusahaan-perusahaan Jepang dan lokal dengan menyediakan kualitas layanan keuangan terbaik. PT Resona Indonesia Finance (PT RIF) sebagai anggota Konglomerasi Keuangan memiliki Visi: Menjadi Perusahaan Pembiayaan yang terpercaya dan berkembang bersama Nasabah. The Implementation of Integrated Governance in Resona Bank Group should consistently be founded on the following basic principles: 1. Transparency, openness in disclosing substantive and relevant information in the decision making process. 2. Accountability, clarity in function, execution, and responsibility of the organs of the Financial Conglomeration, thus creating an effective management in the Company. 3. Responsibility, compliance in the management of the Main Entity and the Financial Services Institution with the prevailing laws and regulations, as well as the principles of sound management. 4. Independency or professionalism, the professional management of Financial Conglomeration without any influence or pressure from any other party. 5. Fairness, justice and equality in fulfilling the rights of the stakeholders incurred by agreements and the laws and regulations. PT Bank Resona Perdania (Bank) as the Main Entity has the Vision: To be the most reliable Bank in Indonesia for Japanese and local companies by providing the best quality financial services. PT Resona Indonesia Finance (PT RIF) as a member of the Financial Conglomeration has the Vision: To be reliable Financing Company and grow with customers. PT BANK RESONA PERDANIA 3 Penerapan prinsip Tata Kelola Terintegrasi telah dijalankan oleh Bank dan PT RIF sebagai budaya yang senantiasa harus dipelihara, dijaga, dan ditingkatkan kualitasnya dalam rangka pencapaian Visi, Misi, dan Strategi. Bank dan PT RIF mempunyai komitmen untuk meningkatkan pelaksanaan Tata Kelola yang Baik karena masyarakat investor dan konsumen menilai Bank dan PT RIF berdasarkan kriteria layanan yang baik, etika, kualitas, profesional, proporsional, dan terlindungi dari praktek penyimpangan usaha. Oleh karena itu, untuk mewujudkan Tata Kelola Perusahaan yang Baik tersebut, Bank dan PT RIF telah menerapkan prinsip-prinsip dan praktekpraktek terbaik secara konsisten, untuk kepentingan Bank dan PT RIF dan seluruh pemangku kepentingan (stakeholders). Penerapan prinsip-prinsip Tata Kelola yang Baik dilaksanakan dalam setiap kegiatan usaha oleh seluruh tingkatan atau jenjang organisasi, yaitu seluruh pengurus dan karyawan Bank dan PT RIF, mulai dari Dewan Komisaris dan Direksi sampai pada karyawan tingkat pelaksana. Sepanjang tahun 2015, pelaksanaan Tata Kelola Terintegrasi menjadi perhatian khusus manajemen Bank dan PT RIF sebagai proses berkesinambungan dalam melanjutkan upaya-upaya yang telah menjadi komitmen Bank dan PT RIF kepada seluruh stakeholders, yang terutama bertujuan untuk: a. Meningkatkan kinerja Bank dan PT RIF melalui peningkatan kompetensi Sumber Daya Manusia yang pada akhirnya akan berdampak pada meningkatnya pelayanan pada pihakpihak yang berkepentingan dengan Bank dan PT RIF, yang tidak hanya terbatas pada nasabah, melainkan juga regulator : Bank Indonesia (BI)/ Otoritas Jasa Keuangan (OJK), pemerintah, karyawan, serta pemegang saham. b. Meningkatkan pengawasan aktif Dewan Komisaris dan tanggung jawab Direksi dalam menerapkan prinsip kehatihatian dalam menjalankan operasional perbankan. c. Meningkatkan peran seluruh organ tata kelola untuk melindungi Bank dan PT RIF dari potensi tuntutan hukum, sanksi dan risiko reputasi yang disebabkan oleh ketidaktaatan Bank dan PT RIF terhadap peraturan-peraturan yang berlaku. The principles of Integrated Governance have been implemented by the Bank and PT RIF as a culture of which quality has to be continuously maintained, preserved, and improved in order to achieve its Vision, Mission, and Strategy. The Bank and PT RIF has the commitment to increase the implementation of Good Corporate Governance since investors and consumers assess the Bank and PT RIF under the criteria of excellence, ethics, quality, professionalism, and proportionality, as well as protection from any business misappropriation. Therefore, in order to achieve Good Corporate Governance, the Bank and PT RIF have consistenly implemented its best principles and practices for the interest of the Bank, PT RIF, as well as all stakeholders. The implementation of the principles of Good Corporate Governance is carried out in every business activity of all layers of the organization, which includes the all levels of management and employees in the Bank and PT RIF, starting from the Board of Commissioners and the Board of Directors, even the implementing employees. Throughout 2015, the implementation of Integrated Corporate Governance has become a particular attention of the Bank and PT RIF as a part of the continuous efforts as a commitment of the Bank and PT RIF to all stakeholders, with the main objectives of: a. To increase the performance of the Bank and PT RIF through the improvement of the competency of Human Resources, which will eventually result in the improvement of services to the parties with interest in the Bank, which are not only limited to the customers, but also include the regulators: Bank Indonesia (BI)/ Financial Services Authorities (OJK), the government, employees, and shareholders. b. To improve the active supervision of the Board of Commissioners and the responsibilities of the Board of Directors in implementing the principles of prudence in banking operation. c. To increase the role of the entire governance organ to protect the Bank and PT RIF from potential lawsuits, penalties, sanctions, and reputation risks caused by the non-compliance of the Bank and PT RIF with the prevailing regulations. 4 PELAKSANAAN TATA KELOLA TERINTEGRASI Implementation of Integrated Governance I LAPORAN PENILAIAN SENDIRI PELAKSANAAN TATA KELOLA TERINTEGRASI SELAMA 1 (SATU) TAHUN BUKU 2015 I SELF ASSESSMENT REPORT OF THE IMPLEMENTATION OF INTEGRATED GOVERNANCE FOR 1 (ONE) FINANCIAL YEAR 2015 Dalam rangka menerapkan kelima prinsip dasar Tata Kelola Terintegrasi yang baik (yaitu: TARIF), Bank dan PT RIF sebagai Konglomerasi Keuangan selalu berpedoman pada ketentuan dan peraturan perundang-undangan yang mengatur mengenai Pelaksanaan Tata Kelola Terintegrasi dan Tata Kelola Perusahaan yang Baik (Good Corporate Governance). Bank dan PT RIF telah melakukan penilaian sendiri (Self Assessment), yaitu penilaian terhadap Pelaksanaan Tata Kelola Terintegrasi dengan memperhatikan signifikansi atau materialitas suatu permasalahan secara keseluruhan, sesuai skala, karakteristik dan kompleksitas usaha Bank dan PT RIF. Grup Resona Bank telah memiliki struktur Tata Kelola Terintegrasi yang baik yang diperlukan dalam proses pelaksanaan prinsip Tata Kelola Terintegrasi untuk agar memperoleh hasil (outcome) yang sesuai dengan harapan stakeholders Bank dan PT RIF. Penilaian terhadap kecukupan struktur Tata Kelola Terintegrasi terhadap pelaksanaan tugas dan tanggung jawab Dewan Komisaris, Direksi, Komite dan Satuan Kerja pada Bank dan PT RIF, ketersediaan kebijakan dan prosedur Bank dan PT RIF, sistem informasi manajemen serta tugas pokok dan fungsi masingmasing struktur organisasi telah mencukupi dan dilaksanakan dengan efektif (aspek proses tata kelola terintegrasi). Efektivitas dari proses tersebut tercermin dari kualitas hasil tata kelola terintegrasi mencakup aspek kualitatif dan aspek kuantitatif In order to implement the five basic principles of Integrated Good Corporate Governance (namely TARIF), the Bank and PT RIF as a Financial Conglomeration consistently refer to the prevailing rules and regulations, which govern the Implementation of Integrated Corporate Governance and Good Corporate Governance as guidelines. The Bank and PT RIF have conducted self assessment, which is the assessment of the Implementation of Integrated Governance by taking into account the significance of materiality of a problem as a whole, based on the scale, characteristic and complexity of the business of the bank and PT RIF. Resona Bank Group has a structure of good Integrated Governance necessary in the process of the implementation of Integrated Governance to produce the outcome expected by all stakeholders of the Bank and PT RIF. The evaluation of the adequacy of the Integrated Governance structure in relation to the implementation of the duties and responsibilities of the Board of Commissioners, the Board of Directors, the Committees, and Working Units in the Bank and PT RIF, the availability of policies and procedures of the Bank and PT RIF, management information systems, and functions of each organizational structure is adequate and has been implemented effectively (aspects of integrated governance process). The Dalam rangka menerapkan kelima prinsip dasar Tata Kelola Terintegrasi yang baik (yaitu: TARIF), Bank dan PT RIF sebagai Konglomerasi Keuangan selalu berpedoman pada ketentuan dan peraturan perundang-undangan yang mengatur mengenai Pelaksanaan Tata Kelola Terintegrasi dan Tata Kelola Perusahaan yang Baik (Good Corporate Governance). In order to implement the fivebasic principles of Integrated Good Corporate Governance (namely TARIF), the Bank and PT RIF as a Financial Conglomeration consistently refer to the prevailing rules and regulations, which govern the Implementation of Inte-grated Corporate Governance and Good Corporate Governance as guidelines. PT BANK RESONA PERDANIA 5 berupa kecukupan transparansi laporan keuangan maupun non keuangan, kepatuhan terhadap peraturan perundangundangan, perlindungan terhadap nasabah, kinerja berupa rentabilitas, efisiensi, dan permodalan senantiasa terjaga dengan baik serta peningkatan kepatuhan terhadap ketentuan yang berlaku tercermin dalam periode pelaporan tidak terdapat fraud, pelanggaran peraturan prinsip kehati-hatian, meskipun terdapat kelemahan ataupun pengenaan sanksi dari regulator terkait pelaporan namun tidak signifikan dan dapat diselesaikan dengan tindakan normal oleh Manajemen Bank. Dari hasil penilaian secara umum, Grup Resona Bank telah melakukan penerapan prinsip-prinsip Tata Kelola Terintegrasi dengan hasil penilaian peringkat 2 (BAIK). efficiency of the process is reflected in the quality of integrated governance, which includes qualitative and quantitative aspects, such as the adequate transparency of financial and non-financial statements, compliance with the laws and regulations, customer regulations, performance such as earnings, efficiency, and capital, which are properly maintained and the improvement of compliance with the prevailing regulations is reflected in the absence of any fraud, violation of regulations on the principle of prudence in the reporting period, although some weaknesses or sanctions from the regulators are still found regarding reporting, but are not significant and can be settled with normal actions by the Bank s Management. From the results of the overall assessment, Resona Bank Group has implemented the principles of Integrated Governance with the rating 2 (GOOD). II STRUKTUR KONGLOMERASI KEUANGAN II STRUCTURE OF THE FINANCIAL CONGLOMERATION Grup Resona Bank telah menetapkan struktur Tata Kelola Terintegrasi, membentuk komite-komite dan menempatkan pejabat yang kompeten dibidangnya, dengan pembagian tugas dan tanggung jawab yang jelas, disertai dengan komitmen yang kuat dari pejabat-pejabat tersebut dalam melaksanakan tugas dan tanggung jawab mereka masing-masing. Bank Group has determined a structure of Integrated Governance, established committees and placed authorities competent in their respective fields, under clear distribution of tasks and responsibilities, along with the strong commitment of the officials in carrying out their respective tasks and responsibilities. 6 STRUKTUR TATA KELOLA KONGLOMERASI KEUANGAN GRUP RESONA BANK Structure of Financial Governance Conglomeration Resona Bank s Group PT Bank Resona Perdania (Main Entity) BOARD OF COMMISSIONERS AUDIT COMMITTEE RISK MONITORING COMMITTEE REMUNERATION & NOMINATION COMMITTEE INTEGRATED GOVERNANCE COMMITTEE 2) PRESIDENT DIRECTOR 1) VICE PRESIDENT DIRECTOR CREDIT POLICY COMMITTEE SYSTEM INFORMATION & TECHNOLOGY COMMITTEE PRODUCT RESEARCH & DEVELOPMENT COMMITTEE CREDIT COMMITTEE ASSETS & LIABILITIES COMMITTEE INTEGRATED RISK MANAGEMENT COMMITTEE 3) DIRECTOR DIRECTOR IN CHARGE FOR RISK MANAGEMENT (INTEGRATED) DIRECTOR DIRECTOR DIRECTOR IN CHARGE FOR COMPLIANCE FUNCTION (INTEGRATED) RISK MANAGEMENT DIVISION COMPLIANCE FUNCTION INSPECTION DIVISION (INTEGRATED) RISK MANAGEMENT SECTION (INTEGRATED) COMPLIANCE SECTION (INTEGRATED) Note: 1. Director who appointed to do monitoring function for Subsidiary 2. One of the Integrated Governance Committee is a Independent Commissioner who represents and appointed by Subsidiary 3. One of the Integrated Risk Management Committee is a Director who represents and appointed by Subsidiary Control and Reporting Reporting Coordination, Reporting and/ or monitoring PT BANK RESONA PERDANIA 7 PT Resona Indonesia Finance (Subsidiary) BOARD OF COMMISSIONERS AUDIT COMMITTEE REMUNERATION COMMITTEE PRESIDENT DIRECTOR DIRECTOR DIRECTOR INTERNAL AUDIT RISK MANAGEMENT SECTION COMPLIANCE SECTION SYSTEM SECTION KYC SECTION CUSTOMER COMPLAINT HANDLING SECTION UPDATING INTERNAL RULES SECTION ACCOUNTING SECTION HR & GA SECTION FINANCIAL ADMINISTRATION SECTION MARKETING SECTION 8 Dengan adanya struktur/ organ Tata Kelola Terintegrasi yang jelas, maka proses pelaksanaan Tata Kelola Terintegrasi akan menjadi lebih efektif dan menghasilkan outcome yang diharapkan oleh seluruh stakeholders. Konglomerasi Keuangan Grup Resona Bank telah menetapkan struktur Tata Kelola Terintegrasi yang sesuai dan saling berkaitan meliputi Komite-Komite dibawah Dewan Komisaris, termasuk Komite Tata Kelola Terintegrasi, Satuan Kerja Kepatuhan, Satuan Kerja Audit Intern, Satuan Kerja Manajemen Risiko sebagaimana struktur Tata Kelola Terintegrasi tersebut di atas termasuk struktur Tata Kelola Terintegrasi lainnya seperti Kebijakan Tata Kelola Terintegrasi untuk menunjang proses dalam mewujudkan komitmen sehingga dicapai hasil yang sesuai dengan prinsip Tata Kelola Terintegrasi. With the clear Integrated Governance structure/ organ, the implementation process of Integrated Governance can be more effective and produce the outcomes expected by all stakeholders. Resona Bank Group Financial Conglomeration has formulated a proper and interrelated structure of Integrated Governance, which includes the Committees under the Board of Commissioners, including the Integrated Governance Committee, the Internal Audit Working Unit, the Risk Management Working Unit, as in the foregoing structure of Integrated Governance including other structures of Integrated Governance such as the Integrated Governance Policy in order to support the process of realizing the commitment to generating results in accordance with the principles of Integrated Governance. Komite Tata Kelola Terintegrasi Dalam rangka mendukung efektifitas pelaksanaan tugas Dewan Komisaris Entitas Utama terkait Tata Kelola Terintegrasi dalam suatu konglomerasi keuangan, maka Dewan Komisaris Entitas U
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