Komite Asset & Liabilities Struktur

Komite Asset & Liabilities
Struktur dan Keanggotaan Komite
Diketuai oleh Direktur Treasury dan Capital Market yang beranggotakan:
1. Direktur Utama & Wholesale Banking
2. Direktur Consumer Banking
3. Direktur Keuangan
4. Direktur Integrated Risk
5. Direktur Operation, SME & Micro Business

Tugas dan tanggung jawab Komite
1. Menetapkan ruang lingkup kerja Komite, prosedur rapat, proses kerjanya dan membentuk sub-komite untuk mendukung komite.
2. Menentukan kebijakan dan petunjuk tentang likuiditas, risiko bunga, dan manajemen permodalan di Bank dan anak perusahaannya yang merefleksikan kecukupan likuiditas dan modal, pendanaan yang stabil dan terdiversifikasi dengan mematuhi peraturan yang berlaku.
3. Melakukan evaluasi kondisi pasar dan pengaruhnya terhadap kondisi likuiditas Bank, NII, dan permodalan serta menyetujui tindakan paling tepat.
4. Melakukan evaluasi komposisi pendanaan dan menyetujui setiap perubahan dalam strategi dan alternative pendanaan termasuk institusional/structural pendanaan baru.
5. Melakukan review tentang strategi likuiditas, suku bunga dan permodalan yang diajukan oleh TCM, sekaligus memonitor implementasinya, dengan setiap bulannya melakukan evaluasi hal-hal berikut ini:
• Indikator peringatan dini
• Pergerkan terkini komponen kunci dari neraca
• Posisi dan proyeksi likuiditas
• Analisa deposito
• Memonitor kebijakan pendanaan darurat (CFP)
• Update tentang professional funding
• Pembahasan FTP
• Evaluasi aktifitas AFS
• Pembahasan limit, target dan indicator risiko pasar
• Hal-hal lainnya yang berkaitan dengan ALCO
6. Secara berkala,melakukan evaluasi dan menyetujui hal-hal berikut ini:
• Kebijakan tentang likuiditas,risiko suku bunga pada neraca dan FTP
• Kebijakan pendanaan darurat
• Asumsi untuk stress test likuiditas
• Merekomendasikan kepada Dewan Komisaris semua limit/target/pemicu termasuk AFS yang terkait dengan neraca. Dewan Komisaris bertanggung jawab untuk memberi persetujuan untuk limit yang ditetapkan oleh ALCO.
• Perhitungan core untuk suku bunga dan likuiditas
• Merekomendasikan kepada Dewan Komisaris semua rencana tindakan koreksi jika terjadi pelampauan limit/pemicu yang terkait dengan neraca.

Pelaksanaan Kerja Komite Asset & Liabilities 2014
Sepanjang tahun 2014, Komite Asset & Liabilities mengadakan pertemuan dengan materi pembahasan yang mencakup:
1. Pengelolaan LDR
2. Pengelolaan FTP
3. Kajian batas risiko pasar
4. Manajemen likuiditas USD/IDR
5. Pengelolaan neraca
6. Pengelolaan Pendanaan Profesional
7. Kajian AFS dan MTM
8. CFP monitoring
9. economic dan market review
10. outlook review

Hasil (Inggris) 1:

Assets & Liabilities Committee Structure and membership Committee Chaired by the Director of the Treasury and Capital Market which consists of:1. President Director & Wholesale Banking2. Consumer Banking Director3. Director of finance4. the Director of the Integrated Risk5. the Director of the Operation, SME & Micro Business Duties and responsibilities of the Committee 1. Define the scope of work of the Committee, the procedure of the meeting, the process works and formed a Subcommittee to support the Committee. 2. determine the policies and guidelines about the liquidity, risk and capital management, interest in the Bank and its subsidiaries reflect the adequacy of liquidity and capital, a stable and diversified funding to comply with the regulations. 3. evaluate market conditions and its effects on the Bank's liquidity conditions, NII, and capital and approved the most appropriate action. 4. to evaluate and approve funding each composition changes in strategies and alternative funding including funding of new structural/institutional. 5. do a review about strategies of liquidity, interest rates and capital raised by TCM, as well as monitor the implementation, by every month to evaluate the following things:• Early warning Indicators• Current Pergerkan a key component of the balance sheet • The projection position and liquidity • Analysis of deposits • Monitor the emergency funding policy (CFP)• Update on professional let• Discussion Of FTP• Evaluation activities of AFS • Discussion of limit, market risk indicators and targets • Other matters relating to of 6. periodically, to evaluate and approve the following things:• Policy on liquidity, interest rate risk on its balance sheet and FTP • Emergency funding Policy• Assumptions for liquidity stress test • Recommend to the Board of Commissioners all limit/target/triggers, including AFS-related balance sheet. The Board of Commissioners is responsible for giving approval to the limit set by the of. • Calculation of the core for interest rates and liquidity• Recommend to the Board of Commissioners all corrective action plan in case of lending in excess of limit/balance sheet associated with the trigger. Implementation of the Work of the Committee Asset & Liabilities 2014Throughout the year 2014, the Committee Asset & Liabilities held a meeting with a discussion of material include:1. management of LDR 2. FTP Management 3. the study of market risk limits 4. management of liquidity USD/IDR 5. the management of balance sheet6. management of Funding Professionals 7. study of AFS and MTM 8. the CFP monitoring 9. economic and market review 10. outlook review

Hasil (Inggris) 2:

Asset & Liabilities Committee
Structure and Membership Committee
Chaired by the Director of Treasury and Capital Markets consisting of:
1. Managing Director & Wholesale Banking
2. Director of Consumer Banking
3. Director of Finance
4. Director of Integrated Risk
5. Operation Director, SME & Micro Business Tasks and responsibilities of the Committee 1. Defining the scope of work of the Committee, meeting procedures, the process works and established a sub-committee to support the committee. 2. Determine the policy and guidance on liquidity, interest risk and capital management in the Bank and its subsidiaries that reflect liquidity and capital adequacy, stable and diversified funding in compliance with applicable regulations. 3. To evaluate market conditions and its impact on liquidity conditions, NII, and capital and approve the most appropriate action. 4. To evaluate the composition of funding and approve any changes in strategy and financing alternatives, including institutional / structural new funding. 5. Conduct a review of the strategy of liquidity, interest rates and capital raised by the TCM, as well as monitor its implementation, with each month to evaluate the following: • EWI • Current Pergerkan key component of the balance sheet and projected liquidity • Position • Analysis of deposits • monitor emergency funding policy (CFP) • Update on funding professional FTP • Discussion • Evaluation AFS activities • Discussion of limits, targets and indicators of market risk • Other things related to ALCO 6. Periodically, evaluate and approve the following: • Policies on liquidity, interest rate risk on the balance sheet and FTP • emergency funding Policy • Assumptions for liquidity stress test • Recommend to the Board of Commissioners of all limit / target / triggers including related AFS with balance. The Board of Commissioners is responsible for giving approval to the limit set by ALCO. • Calculation cores for interest rate and liquidity • Recommend to the Board of Commissioners of all corrective action plan in case of exceedances of limit / triggers associated with the account. Implementation Committee Working Assets & Liabilities 2014 Throughout 2014, Asset & Liability Committee held a meeting with a discussion of material that includes: 1. LDR Management 2. FTP Management 3. Study of market risk limit 4. Liquidity management USD / EUR 5. Management of the balance sheet 6. Funding Management Professional 7. Study AFS and MTM 8. CFP monitoring 9. economic and market review 10. outlook reviews