Page 207 - BRIDS IAR 2023_hires

Tinjauan atas Efektivitas Sistem Manajemen Risiko
Review on the Effectiveness of Risk Management System
[GRI 2-12, 2-16] [OJK E.3]
Efektivitas Penerapan Sistem Manajemen Risiko The effectiveness of the Risk Management System
dinilai oleh Direksi dan Divisi Risk Management secara is assessed by the Board of Directors and the Risk
berkala. Perseroan senantiasa menyusun, menilai, dan Management Division on a regular basis. The Company
mengevaluasi sistem manajemen risiko untuk beradaptasi continuously compiles, assesses, and evaluates the risk
dengan kondisi eksternal, perkembangan regulasi dan management system to adapt to external conditions,
hal-hal lainnya yang terkait dengan bisnis Perseroan. regulatory developments, and other matters related to the
Company's business.
Penerapan sistem manajemen risiko di Perusahaan The risk management system within the Company is
dilakukan melalui implementasi sistem three Lines of implemented through the Three Lines of Defense system,
Defense terkait pemisahan fungsi bisnis dan operasional, involving the separation of business and operational
fungsi manajemen risiko dan kepatuhan, serta fungsi functions, risk management and compliance functions,
audit. Disamping itu, fungsi manajemen risiko secara and audit function. Additionally, the risk management
melakukan penilaian kualitas manajemen risiko. Penilaian function evaluates the quality of risk management.
untuk masing-masing pengendalian risiko dikategorikan The assessment for each risk control is categorized
dalam 5 (lima) peringkat dari peringkat 1 (strong) sampai into 5 ratings, ranging from rating 1 (strong) to rating 5
dengan peringkat 5 (Unsatisfactory). Pada tahun 2023 (Unsatisfactory). In 2023, the results of the Company's risk
hasil penilaian profil risiko Perusahaan berada pada profile assessment were ranked 2 "low to moderate." The
peringkat 2 “low to moderate”. Secara komposit risiko composite inherent risk was rated low to moderate, and
inheren mendapatkan peringkat low to moderate dan the composite quality of the Company's risk management
secara komposit kualitas penerapan manajemen risiko implementation was rated Satisfactory.
Perusahaan berada pada peringkat Satisfactory.

Peringkat kualitas penerapan dari 8 (delapan) jenis risiko The quality ratings implementation for the eight assessed
yang dinilai adalah sebagai berikut: risk types were as follows:

Jenis Risiko Peringkat Kualitas Penerapan Risiko
Risk Type Risk Implementation Quality Rating
Risiko Kredit Credit Risk Memadai Satisfactory
Risiko Pasar Market Risk Memadai Satisfactory

Risiko Likuiditas Liquidity Risk Memadai Satisfactory
Risiko Operasional Operational Risk Memadai Satisfactory
Risiko Hukum Legal Risk Memadai Satisfactory
Risiko Strategis Strategic Risk Cukup Memadai Fair
Risiko Kepatuhan Compliance Risk Memadai Satisfactory
Risiko Reputasi Reputation Risk Memadai Satisfactory

PT BRI Danareksa Sekuritas 207 Integrated Annual Report 2023