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Jaringan Kantor bank bjb

Rekapitulasi jaringan kantor bank bjb
Risiko Management Policy

Development and changes of external and internal factors have led to increased potential risk exposures managed by bank bjb . Therefore, bank bjb need to implement risk management effectively in accordance with its objectives, strategies, size and complexity of the business.

An effective risk management system is one of the crucial components in bank management and the foundation for running a healthy, safe and good bank organization. Moreover, risk management system can also reduce the impact that may harm the bank both materially and immaterially. Here are the following steps taken by bank bjb:

1. Risk Identification

Bank is required to periodically conduct identification process for all risks’ types and characteristics in each Bank's business activities. The risk identification process is carried out by analyzing all available sources of risk, which at least carried out on the risks of Bank's products and business activities. Moreover, the Bank needs to ensure the risks of new products and activities have gone through risk management control process and have been approved by the Board of Directors or recommended parties by the Risk Management Committee before being introduced or conducted.

2. Risk Measurement

Risk measurement aims to estimate overall risk exposure and per type of risk on each product and activity owned by the Bank. Risk measurement approach is used to measure the Bank's risk exposure in order to obtain an outlook on the effectiveness of risk management implementation. The measurement approach and methodology can be quantitative, qualitative or a combination of both and adapted to the characteristics and complexity of Bank's business. Selection of risk measurement approach and methodology.

3. Risk Monitoring

Bank bjb has risk monitoring procedures, which include monitoring risks to the amount of compliance with internal limits and the consistency of their implementation with established policies and procedures. Monitoring process is conducted by evaluating the risk exposures in all bank bjb products and activities. Monitoring is carried out by both RTU and SKMR.

4. Risk Management

The Bank has an adequate Risk control system in compliance with established policies and procedures and aims to manage all risk exposures. One of which is by conducted risk control through validation and evaluation of risk management models. Model validation and evaluation are carried out in to overcome deficiency that may arise from the use of related risk measurement model conducted by an independent internal party to another party that implement the model.

5. The concept of Three Lines of Defense

In realizing the implementation of an effective risk management system, the Bank applies the Three Lines of Defense concept as a multi-layered defense mechanism to manage and implement risk management framework, namely:

  • First Level Defense

    Th Risk Taking Unit acts as the first line of defense and is responsible for identifying, evaluating, controlling and mitigating risks in operational activities. The Risk Taking Unit has primary responsibility for managing risk exposures in daily activities.

  • Second Level Defense

    Risk Management Work Unit (SKMR) acts as a key unit in providing second level defense through an independent monitoring function. SKMR has conducted reviews on the completeness and accuracy of identification, measurement, monitoring, controlling and reporting of risks, as well as the adequacy of mitigation scenarios proposed by operational work unit.

  • Third Level Defense

    Internal Audit function assesses the adequacy of policies, strategies and framework of Risk Management as well as the effectiveness of internal controls in order to provide an independent and objective assurance.

6. Implementation of the Committee

  • Risk Management Committee (KMR)

    Duties, authorities and responsibilities of Risk Management Committee (KMR) are to evaluate and provide recommendations regarding the implementation of risk management in the following matters:

    • Establishment of risk management policies and its changes, including risk management strategies and contingency plans in abnormal external conditions (worst case scenario);
    • Improvements and enhancement in the implementation of risk management that are conducted periodically and incidentally as a result of changes in Bank’s external and internal conditions that affect the adequacy of Bank's capital and risk profile also evaluation results on the effectiveness of the implementation;
    • Determination (justification) of matters related to business decisions that deviate from normal procedures (irregularities), such as decisions for exceeding significant business expansion compared to predetermined bank business plans or taking positions/risk exposures that exceed the stipulated limit;
    • Discussion on risk management methodology implementation including bank risk measurement models and risk limits;
    • Discussion on the reporting of bank risk profile assessment.
  • Integrated Risk Management Committee (KMRT)

    Duties, authorities and responsibilities of Integrated Risk Management Committee (KMRT) are to provide recommendations to the Main Entity Directors regarding risk management implementation which at least include:

    • Establishment and improvement of Integrated Risk Management Policy; and
    • Improvement or enhancement of Integrated Risk Management Policy such as an improvement in risk strategy and framework based on the results of the implementation evaluation.

7.Reference on Risk Management Implementation

In the implementation of risk management, bank bjb is always complies with the prevailing regulation and legislation in Indonesia with reference to:

  • Financial Services Authority Regulations.
  • Financial Services Authority Circular Letter.
  • Best practice in banking.

8.Pillar of Risk Management

In implementing effective risk management, bank bjb has 4 (four) pillars which defined as follows:

  • Active supervision by the Board of Commissioners and Board of Directors;
  • Adequacy of Risk Management Policies and Procedures and Determination of Risk Limits;
  • Adequacy of Risk Identification, Measurement, Monitoring and Control process as well as Risk Management Information System;
  • Comprehensive Internal Control System.

9.Risk Management Process

Risk management process is conducted on all risk factors that significantly affect bank bjb financial condition. Risk management process has been adjusted to objectives, business policies, size and complexity of the Bank’s business and ability. Based on applicable regulations, there are various risks that must be managed by Bank BJB that are grouped into:

  • Credit Risk,
  • Market Risk,
  • Liquidity Risk,
  • Operational Risk,
  • Strategic Risk,
  • Reputation Risk,
  • Compliance Risk.

10. Risk Management Implementation Report

In the implementation of risk management, bank bjb has the obligation to submit Risk Profile Report to the Authority. Risk Profile is a comprehensive overview of the potential risks inherent in all bank portfolios or exposures, includes information on the level and trends of all risk exposures. Bank bjb presents the risk profile report in every quarter comparatively to the previous quarter.

  • Risk Profile Report

    A comprehensive analysis is conducted in order to implement the risk assessment, including:
    • Assessment of inherent risks and the adequacy of risk control system in Risk Management Implementation Quality (KPMR) level.
    • Determination of rank assessment for each type of risk.
    • Determination of composite rank of the risk profiles.
    Bank bjb also compiles an Integrated Risk Profile Report, which is submitted semesterly to the Authority.


Procurement of Goods/Services

Procurement of Goods/Services is complied with bank bjb’s Standard Operational Procedure (SOP) of Goods/Services Procurement, which include the Authorities of Head Office, Regional Office and Branch Offices. SOP for Procurement of Goods/Services includes:

  • Conditions and Authorities of Goods/Services Procurement

    Regulates procurement methods, payment system, procurement transactions that can be processed, etc.

  • Goods/Services Procurement System

    Regulates centralization and decentralization, handling procurement issues, standardizing documents and process flow, as well as monitoring and controlling.

  • Activity Classification

    Regulates classification of goods/services procurement activities.

  • Documents

    Regulates documents used in goods/services procurement, bank guarantee provisions, and company document storage.

  • Process of Goods/Services Procurement

    Regulates the process flow of goods/services procurement at Branch Office, Regional Office and Head Office.

Process Flow of Goods/Services Procurement is defined as follows: kebijakan bank bjb

Goods/Services Procurement Activities are conducted by General Division and supervised by Operational Director.

  • Goods/Services Procurement for Building and Property Construction

    Goods/services procurement related to the construction of buildings and properties that used to support the achievement of bank's business strategies, operational and service in branches, regions and central offices.

  • Procurement of Goods/Logistics and Other Services

    Goods/services procurement related to logistics and other services that used to support the achievement of bank's business strategies, operational and service in branches, regions and central offices.

  • Goods/Services Procurement for Information Technology (IT) Services

    Goods/services procurement related to Information Technology (IT) services that used to support the achievement of bank's business strategies, operational and service in branches, regions and central offices.

Goods/services procurement related to Information Technology (IT) is complied with bank bjb’s SOP of goods/services procurement and Financial Services Authority (OJK) Regulations Number 38/POJK.03/2016 dated December 1, 2016 on the Implementation of Risk Management in the Use of Information Technology by Commercial Banks and Circular Letter (SE) of OJK No.21/SEOJK.03/2017 dated June 6, 2017 regarding the Implementation of Risk Management in the Use of Information Technology by Commercial Banks. In Procurement of Information Technology (IT) Services, the Work Unit is required to implement the principles of Good Corporate Governance (GCG) and ethical principles for goods/services procurement as well as bank’s operational sustainability.

To increase stakeholders’ trust and support the implementation of Good Corporate Governance (GCG) principles, reasonable, proper and trustworthy behavior is applied to all levels of the company in engaging relation with stakeholders. bank bjb cooperates with the Corruption Eradication Commission (KPK) in gratification control by forming a special unit called Gratification Control Unit (UPG), while the implementation guidelines for gratification control in goods/services procurement is defined as follows:
  • All bank bjb personnel are PROHIBITED from requesting or receiving, directly or indirectly from Goods/Services Procurements’ Provider from Other Third Parties, any gift as bribes or other form which thing may be known or reasonably suspected to be related with the positions and contrary to its obligation or duties, which may bring personal benefits.

  • All bank bjb personnel are PROHIBITED from directly or indirectly providing gratification to Goods/Services Procurements’ Provider or Other Third Parties, which aim to gain information or something that is not justified by the prevailing regulations or to influence the said party to do and/or not doing anything related to his position which is contrary to his obligations or duties.

  • If bank bjb personnel are offered/given any gratification that are not complied with the provisions contained in Gratification Control Guidelines, she/he OBLIGED TO MAKE DISCLAIMERS politely against the referred offers/gifts by providing an explanation of Gratification Control Guidelines’ provisions and if it deemed necessary, submit the Gratification Control Guidelines to the third parties as a part of socialization.


Pengendalian Gratifikasi

As an entity that lives within the community, through its personnel, the Bank conducts various kinds of interaction with various stakeholders. In each interaction established by the Bank Personnel, it is possible that conflict of interest to emerge that it may affect actions and decisions of the Bank Personnel. Conflicts of interest that are not handled properly can potentially become obstacles for the implementation of good corporate governance principles of since they are able to affect the independence, professionalism and objectivity of Bank Personnel in performing their duties and responsibilities, as well as affecting the performance of Bank Personnel in implementing service quality. One effort to safeguard Bank Personnel in dealing with conflict of interests is through the implementation of Gratification Control Program. The implementation of Gratification Control Program has been initiated since 2011 which in its implementation completed with direct guidance and direction from Corruption Eradication Commission of the Republic of Indonesia where it was stated in a joint commitment / cooperation agreement between the Bank and Corruption Eradication Commission.

In order to implement Gratification Control Program, bank bjb has established Gratification Guidelines which regulate the following matters such as:
  • Definition and types of gratification
  • Reporting on gratification received by the Bank Personnel;
  • Handling of gratification objects reported by the Bank Personnel;
  • Follow-up on gratification objects that have received the status of stipulation;
  • Monitoring and socializing the implementation of Gratification Control Program;
  • Work unit responsible for the Gratification Control Program;
  • Penalty.
The stipulated Gratification Guidelines need to be understood and implemented seriously by all Bank Personnel in order to actualize the implementation of good corporate governance principles. If there is a violation and/or non-compliance with the established guidelines, then the violation and/or non-compliance may be subjected to penalty in accordance with bank bjb applicable provisions.

Contact Us

bank bjb Head Office
Menara bank bjb
Divisi Corporate Secretary
Jl.Naripan No. 12-14
Bandung - 40111
bank bjb Contact
Telp : 022-4234868
Fax : 022-4206099



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