The original consolidated financial statements included herein are in the Indonesian language. PT BANK RAKYAT INDONESIA (PERSERO) Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tanggal 31 Desember 2024 dan untuk Tahun yang Berakhir pada Tanggal Tersebut (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) PT BANK RAKYAT INDONESIA (PERSERO) Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2024 and for the Year Then Ended (Expressed in millions of Rupiah, unless otherwise stated) 388 49. INFORMASI TAMBAHAN (lanjutan) 49. ADDITIONAL INFORMATION (continued) n. Manajemen Risiko Operasional (lanjutan) n. Operational Risk Management (continued) Penerapan Manajemen Risiko Operasional dimaksudkan untuk mengelola eksposur risiko operasional yang disebabkan oleh faktor internal maupun eksternal yang dapat mengganggu aktivitas bisnis dan operasional, seperti faktor ketidakcukupan sumber daya manusia, proses internal, kegagalan sistem teknologi informasi, bencana alam dan kejahatan pihak eksternal terhadap bank yang berpotensi menimbulkan kerugian finansial maupun non finansial bagi bank. Pengelolaan terhadap eksposur risiko operasional di BRI mencakup pengelolaan terhadap eksposur risiko hukum, reputasi, kepatuhan dan stratejik yang terdapat pada setiap proses bisnis dan aktivitas operasional. The implementation of operational risk management is intended to manage operational risk exposure due to internal and external factors that impact the business and operational activities, such as inadequate human resources, internal processes, information technology system failures, natural disasters, and external party’s crimes against the Bank that potentially cause financial and non-financial losses. Operational risk exposure management in BRI includes management of legal, reputational, compliance and strategic risk exposures that occur in every business process and operational activity. Setiap unit kerja operasional BRI bertanggung jawab atas penerapan proses manajemen risiko melalui sistem pengendalian internal dalam aktivitas operasional dan bisnis di masingmasing unit kerja. Hal tersebut dilakukan mulai dari tahap identifikasi, pengukuran, pemantauan hingga pengendalian risiko. Untuk mengkoordinasikan dan memastikan bahwa penerapan proses manajemen risiko dilaksanakan sesuai ketentuan, maka Direksi BRI menetapkan fungsi manajemen risiko pada setiap unit kerja mulai dari level Kantor Pusat (Divisi/Desk/ Team), Regional Office, Kantor Cabang Khusus, Kantor Cabang, Kantor Cabang Pembantu, BRI Unit, Kantor Kas, Sentra Layanan BRI Prioritas dan Unit Kerja Luar Negeri (UKLN). Each of BRI’s operational business units are responsible for the implementation of risk management process in the business and operational activities of each business unit through the internal control system. This is done starting from the phase of identification, measurement, monitoring to risk control. To coordinate and ensure that the implementation of risk management processes is carried out in accordance with the rules, BRI’s Board of Directors established a risk management function in every business unit starting from the level of Head Office (Division/Desk), Regional Offices, Special Branch Office, Branch Offices, Sub-Branch Offices, BRI Priority Service Centers and Overseas Business Units. Satuan Kerja Manajemen Risiko Operasional (SKMRO) bertugas dan bertanggung jawab dalam penyusunan pedoman penerapan manajemen risiko operasional, pengembangan dan implementasi kebijakan/prosedur dan metodologi, pengawasan, pengkajian, serta pemantauan proses manajemen risiko operasional. Di samping itu, SKMRO juga berperan dalam penyusunan dan implementasi tata kelola manajemen risiko operasional, penyusunan dan pemantauan profil risiko BRI, penilaian kecukupan pengelolaan risiko dari suatu produk bank baru, serta mendukung unit kerja operasional/risk owner dalam mengembangkan budaya sadar risiko, penerapan strategi anti fraud, dan kepatuhan terhadap prinsip-prinsip manajemen risiko. Pembahasan pengelolaan dan perbaikan kontrol atas risiko operasional dilaksanakan dalam kegiatan Forum Manajemen Risiko (FMR) maupun Risk Management Committee (RMC) yang dilaksanakan secara rutin bersama dengan SKMR dan Divisi/Desk lainnya. The risk management unit (SKMRO) is responsible for preparing guidelines for implementing operational risk management, developing and implementing policies/procedures and methodologies, supervising, reviewing, and monitoring the operational risk management process. Furthermore, SKMRO also plays a role in the preparation and monitoring of BRI's risk profile, assessment of the adequacy of risk management of a new product and/or activity, and supports operational work units/risk owners in developing a culture of risk awareness, implementation of anti-fraud strategies, and compliance with related risk management principles. In the context of Discussions on management and improvement of control over operational risks are carried out in the Risk Management Committee (RMC) on a monthly basis together with the SKMR and related Divisions/Desks.
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