PT BANK SYARIAH INDONESIA Tbk CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2024 DAN 2023 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2024 AND 2023 (Expressed in millions of Rupiah, unless otherwise stated) Halaman - 143 - Page 54. INFORMASI TAMBAHAN YANG TIDAK DISYARATKAN OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA (lanjutan) 54. ADDITIONAL INFORMATION NOT REQUIRED BY INDONESIAN FINANCIAL ACCOUNTING STANDARDS (continued) Informasi tambahan berikut merupakan informasi yang disyaratkan oleh regulasi yang berlaku dan tidak disyaratkan oleh Standar Akuntansi Keuangan di Indonesia: (lanjutan) The following additional information is required by applicable regulations and is not required by the Financial Accounting Standards in Indonesia: (continued) q. Manajemen risiko (lanjutan) q. Risk management (continued) Risiko operasional (lanjutan) Operational risk (continued) Tindakan yang diambil oleh Bank untuk meminimalkan risiko operasional di antaranya sebagai berikut: The actions taken by the Bank to minimise operational risks include the following: 1) Menyusun manual produk, kebijakan, prosedur dan petunjuk teknis operasional sebagai panduan dalam melaksanakan aktivitas operasional Bank dan mensosialisasikannya secara memadai. 1) Prepare product manuals, policies, procedures and operational technical instructions as a guidance in carrying out the Bank operational activities and socialise them adequately. 2) Membentuk Senior Operational Risk Head (“SORH”) yang mengkoordinir fungsi Decentralized Compliance and Operational Risk (”DCOR”) dan Regional Business Control (”RBC”) dalam rangka pengelolaan risiko operasional di unit kerja Kantor Pusat dan unit jaringan. 2) Establish a Senior Operational Risk Head (“SORH”) who coordinates Decentralized Compliance and Operational Risk (“DCOR”) and Regional Business Control (“RBC”) functions in the framework of operational risk management in the Head Office work units and network units. 3) Menyiapkan tools yang digunakan dalam penerapan manajemen risiko operasional, antara lain Risk & Control Self Assessment, Key Risk Indicator, Loss Event Database, Laporan Profil Risiko Operasional, dan Control Testing. 3) Preparing tools used in implementing operational risk management, including Risk & Control Self Assessment, Key Risk Indicators, Loss Event Database, Operational Risk Profile Reports and Control Testing. 4) Melakukan kajian & analisis risiko operasional atas produk baru yang diusulkan dan atau kegiatan yang akan diluncurkan oleh Bank. 4) Performing operational risk review & analysis for proposed new products or activities which will be launched by the Bank. 5) Menerapkan Business Continuity Management (“BCM”) untuk memastikan kelangsungan operasional Bank secara terus menerus meskipun terjadi gangguan (bencana) untuk melindungi kepentingan stakeholders. 5) Applying a Business Continuity Management (“BCM”) to ensure the continuity of operations of the Bank despite the disturbance (disaster) and to protect the interests of stakeholders. 6) Melakukan proses rekrutmen yang memadai untuk memastikan integritas dan kompetensi calon karyawan termasuk penerapan Know Your Employee (“KYE”), memberikan pelatihan dan sertifikasi yang berkesinambungan, meningkatkan kesadaran risiko melalui berbagai program risk awareness, serta menerapkan kebijakan reward dan punishment yang mendorong peningkatan kinerja dan disiplin pegawai. 6) Conducting an adequate recruitment process to ensure the integrity and competence of prospective employees, including the implementation of Know Your Employee (“KYE”), providing continuous training and certification, enhancing risk awareness through various risk awareness programs, and implementing reward and punishment policies that encourage improved employee performance and discipline.
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