tata kelola perusahaan...governance framework penerapan gcg di bri agro mengacu kepada 3 aspek tata...

TATA KELOLA PERUSAHAAN Corporate Governance

BRI Agro sangat menyadari bahwa penerapan prinsip Tata Kelola Perusahaan yang Baik (Good Corporate Governance/GCG) yang efektif merupakan hal yang sangat penting dalam industri perbankan pada khususnya dan perekonomian pada umumnya. Perseroan memiliki peran penting dalam sebuah perekonomian melalui perannya sebagai lembaga intermediary antara para pemilik dana dengan aktivitas-aktivitas usaha (perusahaan) yang merupakan faktor pendorong utama pertumbuhan ekonomi. Keamanan dan kesehatan bank merupakan faktor kunci untuk terciptanya stabilitas keuangan dalam sebuah negara. Dengan demikian, pengelolaan bank yang baik merupakan faktor kunci untuk terciptanya perekonomian yang kuat.

Penerapan GCG diyakini akan mendorong kinerja Bank dalam melayani masyarakat secara efektif dan efisien, sehingga dapat menghasilkan nilai ekonomi jangka panjang yang berkesinambungan dan bermanfaat bagi para stakeholder.

Penerapan GCG dibangun berlandaskan pada integritas yang kokoh, sehingga prinsip GCG dapat dilaksanakan pada setiap tingkatan organisasi, serta proses dan aktivitas BRI Agro dapat berjalan secara konsisten dan berkesinambungan.

Sejak didirikan dan mulai beroperasi 30 tahun yang lalu, BRI Agro telah menerapkan prinsip-prinsip tata kelola perusahaan yang baik secara konsisten untuk menjaga keselarasan dan keseimbangan antara pemenuhan kepentingan Bank dan para stakeholder, serta meraih kinerja yang optimal.

Governance Framework

Penerapan GCG di BRI Agro mengacu kepada 3 aspek Tata Kelola, yaitu struktur tata kelola (governance structure), proses tata kelola (governance process) dan hasil tata kelola (governance outcome).

1. Struktur tata kelola (governance structure) meliputi struktur dan infrastruktur tata kelola Bank agar proses penerapan tata kelola menghasilkan outcome yang sesuai dengan harapan pemangku kepentingan Bank. Yang termasuk dalam struktur Tata Kelola adalah Direksi, Dewan Komisaris, komite-komite, dan satuan kerja Perseroan. Sedangkan infrastruktur Tata Kelola antara lain meliputi kebijakan dan prosedur, sistem informasi serta tugas pokok dan fungsi masing-masing struktur organisasi.

KOMITMEN DAN KEBIJAKAN PERUSAHAAN DALAM MENERAPKAN CORPORATE GOVERNANCE DAN GOVERNANCE OUTCOMECOMMITMENT AND POLICY OF THE COMPANY IN IMPLEMENTING CORPORATE GOVERNANCE AND GOVERNANCE OUTCOME

BRI Agro is fully cognisant that the employment of the effective Good Corporate Governance (GCG) principles is pivotal in the banking industry, particularly, and the economy, generally. The Company has a significant part in an economy through its role as an intermediary between fund owners and business activities (companies) which are the main driving determinants of economic growth. The security and soundness of the Bank are the key elements for generating financial stability within a country. Hence, a fine bank’s management is an essential part of creating a stable economy.

The application of GCG aims at encouraging the Bank’s achievement in serving the public, effectively and efficiently; thus, it can manufacture a long-term economic value that is sustainable and beneficial to stakeholders.

The implementation of GCG is based on substantial integrity that carries on the principles of GCG be well-implemented at each level of the organisation and BRI Agro’s activities can run, consistently and sustainably.

Since its establishment and commenced operating 30 years ago, BRI Agro has applied the principles of good corporate governance to maintain balance and stability between fulfilling the interests of the Bank and its stakeholders and achieving optimal performance, consistently.

Governance Framework

The implementation of GCG in BRI Agro refers to three layers of Governance, i.e. governance structure, governance process, and governance outcome.

1. The governance structure includes governance structure and Bank's governance infrastructure; thus, the process of implementing governance produce outcomes that are in line with stakeholder expectations Bank's interests. Those who are included in the governance structure are the Board of Directors, Board of Commissioners, committees, and units work of the Company. While the Governance infrastructure, among others include policies and procedures, information systems and tasks main and function of each organisational structure.

PT Bank Rakyat Indonesia Agroniaga Tbk.306 2019 LAPORAN TAHUNANAnnual Report

PROFIL PERUSAHAANCompany Profile

FUNGSI PENUNJANG BISNIS & MANAJEMEN RISIKOBusiness Support Function & Risk Management

LAPORAN MANAJEMENManagement Reports

IKHTISAR DATA KEUANGAN DAN OPERASIONAL Highlights of Operational and Financial Data

2. Proses Tata Kelola (governance process) bertujuan untuk menilai efektivitas proses penerapan prinsip tata kelola yang baik yang didukung oleh kecukupan struktur dan infrastruktur Tata Kelola Bank sehingga menghasilkan outcome yang sesuai dengan harapan Pemangku Kepentingan (Stakeholder)

3. Hasil Tata Kelola (governance outcome) adalah manifestasi penerapan dan penegakan tata kelola yang berdampak positif terhadap penciptaan nilai (value creation) dan keberlangsungan perusahaan.

Dasar Penerapan Corporate Governance

Penerapan GCG BRI Agro mengacu kepada beberapa peraturan yang dikeluarkan oleh pemerintah dan regulator antara lain:1. Undang-Undang No. 40 Tahun 2007 Tentang Perseroan terbatas2. POJK No. 33/POJK.04/2014 tentang Direksi dan Dewan Komisaris

Emiten atau Perusahaan Publik; 3. POJK No. 34/POJK.04/2014 tentang Komite Nominasi dan

Remunerasi Emiten atau Perusahaan Publik; 4. POJK No. 35/POJK.04/2014 tentang Sekretaris Perusahaan

Emiten atau Perusahaan Publik; 5. POJK No.18/POJK.03/2014 tentang Penerapan Tata Kelola

Terintegrasi Bagi Konglomerasi Keuangan6. POJK No. 55/POJK.04/2015 tentang Pembentukan & Pedoman

Pelaksanaan Kerja Komite Audit; 7. POJK No. 56/POJK.04/2015 tentang Pembentukan & Pedoman

Piagam Unit Audit Internal; 8. POJK No. 21/POJK.04/2015 tentang Penerapan Pedoman Tata

Kelola Perusahaan Terbuka; 9. POJK No. 31/POJK.04/2015 tentang Keterbukaan atas Informasi

atau Fakta Material oleh Emiten atau Perusahaan Publik; 10. POJK No. 8/POJK.04/2015 tentang Situs Web Emiten atau

Perusahaan Publik; 11. POJK No. 18/POJK.03/2016 tentang Penerapan Manajemen

Risiko Bagi Bank Umum; 12. POJK No. 55/POJK.03/2016 Tentang Penerapan Tata Kelola Bagi

Bank Umum13. POJK No. 29/POJK.04/2016 tentang Laporan Tahunan Emiten

atau Perusahaan Publik; 14. POJK No.10/POJK.04/2017 tentang Perubahan POJK 32/

POJK.04/2014 tentang Rencana dan Penyelenggaraan RUPS Perusahaan Terbuka;

15. SEOJK No. 32/SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Terbuka;

16. SEOJK No. 30/SEOJK.04/2016 tentang Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan Publik;

17. SEOJK No. 34/SEOJK.03/2016 tentang Penerapan Manajemen Risiko Bagi Bank Umum

18. SEOJK No. 13/ SEOJK.03/2017 tentang Penerapan Tata Kelola Bagi Bank Umum;

19. SEOJK No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola Bagi Bank Umum

2. The governance process proposes to assess the effectiveness of the process of applying the principles of good governance supported by the fitness of the structure and infrastructure of the Bank's governance to deliver upshots fitted with the expectations of the Stakeholders.

3. The governance outcomes are the manifestations of the governance reinforcement and implementation which hold an actual influence on value creation and the sustainability of the Company.

Basis of Corporate Governance Implementation

BRI Agro GCG implementation refers to numerous settlements issued by the government and regulators, including:1. Law No. 40 of 2017 concerning limited liability companies2. POJK No. 33/POJK.04/2014 concerning Directors and Board

of Commissioners of Issuers or Public Companies;3. POJK No. 34/POJK.04/2014 concerning the Nomination and

Remuneration Committee of Issuers or Public Companies;4. POJK No. 35/POJK.04/2014 concerning Corporate Secretary

of Issuers or Public Companies;5. POJK No.18/POJK.03/2014 concerning the Implementation of

Integrated Governance for Financial Conglomerates6. POJK No. 55/POJK.04/2015 concerning Establishment &

Guidelines for Work Implementation of the Audit Committee;7. POJK No. 56/POJK.04/2015 concerning Formation & Charter

of Internal Audit Units;8. POJK No. 21/POJK.04/2015 concerning the Implementation

of Guidelines for Public Corporate Governance;9. POJK No. 31/POJK.04/2015 concerning Transparency of Material

Information or Facts by Issuers or Public Companies;10. POJK No. 8/POJK.04/2015 concerning Issuer or Public Company

Website;11. POJK No. 18/POJK.03/2016 concerning Application of Risk

Management for Commercial Banks;12. POJK No. 55/POJK.03/2016 Regarding the Implementation of

Governance for Commercial Banks13. POJK No. 29/POJK.04/2016 concerning Annual Reports of

Issuers or Public Companies;14. POJK No.10/POJK.04/2017 concerning Amendments to POJK

32/POJK.04/2014 concerning the Plans and Organisations of GMS of Public Companies;

15. SEOJK No. 32/SEOJK.04/2015 concerning Guidelines for Public Corporate Governance;

16. SEOJK No. 30/SEOJK.04/2016 concerning the Form and Content of Annual Reports of Issuers or Public Companies;

17. SEOJK No. 34/SEOJK.03/2016 concerning the Implementation of Risk Management for Commercial Banks;

18. SEOJK No. 13/SEOJK.03/2017 concerning the Implementation of Governance for Commercial Banks;

19. SEOJK No. 13/SEOJK.03/2017 concerning the Implementation of Governance for Commercial Banks;

PT Bank Rakyat Indonesia Agroniaga Tbk. 2019LAPORAN TAHUNANAnnual Report 307

ANALISIS DAN PEMBAHASAN MANAJEMENManagement Discussion and Analysis

TATA KELOLA PERUSAHAANCorporate Governance

TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility

LAPORAN KEUANGAN Financial Statement

20. Ketentuan lainnya yang terkait dengan Pasar Modal dan lainnya.21. Anggaran Dasar Perseroan Tanggal 8 Mei 201922. Surat Keputusan PT Bank BRI Agroniaga, Tbk No. Kpts: B.32/

Dir.01.03/KMRH/IX/2017 Tentang Kebijakan Penerapan Tata Kelola Perusahaan yang Baik PT Bank BRI Agroniaga, Tbk

Selain itu BRI Agro juga mengacu kepada :1. Pedoman GCG Indonesia yang dikembangkan oleh Komite

Nasional Kebijakan Governance (KNKG) Tahun 2006.2. Penilaian penerapan bisnis ekselen melalui Kriteria Penilaian

Kinerja Unggul (KPKU) khususnya pelaksanaan tata kelola dan kepemimpinan.

3. Penerapan GCG dengan melihat indeks terkait tata kelola perusahaan atau Corporate Governance Perception Index (CGPI).

Governance Outcome

Penerapan Good Corporate Governance (GCG) di BRI Agro sebagaimana tercantum dalam Surat Keputusan PT Bank BRI Agroniaga, Tbk No. Kpts: B.32/Dir.01.03/KMRH/IX/2017 Tentang Kebijakan Penerapan Tata Kelola Perusahaan yang Baik PT Bank BRI Agroniaga, Tbk bertujuan untuk:

1. Mendukung pelaksanaan kegiatan usaha Bank dalam mewujudkan vis, misi dan nilai-nilai Bank;

2. Mendukung tercapainya tujuan Bank melalui peningkatan kinerja yang signifikan baik dari segi kuantitas maupun kualitas;

3. Memberikan pedoman bagi Dewan Komisaris, Direksi, Komite dan Pekerja dalam melaksanakan tugas dan tanggung jawabnya;

4. Memberikan keyakinan kepada pemegang saham dan stakeholders lainya bahwa pengurusan dan pengawasan Bank dijalankan secara profesional dan sesuai ketentuan hukum yang berlaku;

5. Mendukung pengelolaan seluruh sumber daya yang dimiliki oleh Bank secara lebih efisien dan efektif;

6. Meminimalkan risiko Bank;7. Memaksimalkan kualitas dan integritas Bank agar Bank memiliki

daya saing yang kuat, baik secara nasional maupun internasional.

Penerapan prinsip-prinsip GCG BRI Agro dapat diuraikan dalam tabel berikut ini:

20. Other requirements related to the Capital Market and others;21. Company’s Articles of Association dated on May 8, 2019;22. Decree of PT Bank BRI Agroniaga, Tbk No. Kpts: B.32/Dir.01.03/

KMRH/IX/2017 Regarding the Policy on the Implementation of Good Corporate Governance PT Bank BRI Agroniaga, Tbk.

Forby, BRI Agro further refers to:1. Indonesian GCG Guidelines revealed by the 2006 National

Governance Policy Committee (KNKG).2. Assessment of the application of excellence business through

the Superior Performance Assessment Criteria (KPKU), particularly the implementation of governance and leadership.

3. Implementation of GCG by scrutinising the indices related to corporate governance or the Corporate Governance Perception Index (CGPI).

Governance Outcome

Implementation of Good Corporate Governance (GCG) at BRI Agro as declared in the Decree of PT Bank BRI Agroniaga, Tbk No. Kpts: B.32/Dir.01.03/KMRH/IX/2017 Regarding Policy Implementation of Good Corporate Governance PT Bank BRI Agroniaga, Tbk aims to:

1. Verifying the implementation of the Bank's business activities in actualising the vision, mission, and values of the Bank;

2. Supporting the success of the Bank's objectives through significant performance improvements both in terms of quantity and quality;

3. Rendering guidelines for the Board of Commissioners, Directors, Committees, and Employees in conducting their duties and responsibilities;

4. Providing certainty to shareholders and other stakeholders that the management and supervision of the Bank is carried out, professionally and under applicable legal provisions;

5. Supporting the management of all resources owned by the Bank more, efficiently and effectively;

6. Minimising Bank risk;7. Maximizing the quality and uprightness of the Bank; thus, the

Bank has steadfast competitiveness, both nationally and internationally.

The application of BRI Agro GCG principles can be imparted in the following table:






Prinsip GCGGCG Principles

Bentuk Penerapan BRI AgroManners of BRI Agro Implementation

TransparansiTransparency

1. Bank mengungkapkan informasi secara tepat waktu, memadai, jelas, akurat dan dapat diperbandingkan serta dapat diakses oleh pihak yang berkepentingan (stakeholders) sesuai dengan haknya.

2. Bank mengungkapkan informasi yang meliputi tetapi tidak terbatas pada visi, misi, sasaran usaha, strategi Bank, kondisi keuangan, susunan dan kompensasi pengurus, Pemegang Saham Pengendali, pejabat eksekutif, pengelolaan risiko, sistem pengawasan dan pengendalian intern, status kepatuhan, sistem dan implementasi good corporate governance serta informasi dan fakta material yang dapat mempengaruhi keputusan pemodal.

3. Prinsip keterbukaan tetap memperhatikan ketentuan rahasia bank, rahasia jabatan, dan hak-hak pribadi sesuai peraturan yang berlaku.

4. Kebijakan Bank harus tertulis dan dikomunikasikan kepada stakeholders dan yang berhak memperoleh informasi tentang kebijakan tersebut.

1. The Bank reveals information punctually, appropriately, apparently, accurately, and comparably and is easy to access by the stakeholders under their rights.

2. The Bank unveils information which comprises but is not limited to the vision, mission, business objectives, Bank's strategy, financial condition, composition and compensation of management, Controlling Shareholders, executive officers, risk management, internal control and supervision systems, compliance status, systems and implementation of good corporate governance, as well as material information and evidences that can predispose investors' decisions.

3. The principle of openness envisages the provisions of bank confidence, the confidentiality of position, and personal rights under applicable regulations.

4. The Bank’s policies must be written and communicated to stakeholders and those entitled to receive information about these policies.

AkuntabilitasAccountability

1. Bank menetapkan sasaran usaha dan strategi untuk dapat dipertanggungjawabkan kepada stakeholders. 2. Bank menetapkan check and balance system dalam pengelolaan Bank. 3. Bank memiliki ukuran kinerja dari semua organ organisasi berdasarkan ukuran yang disepakati dan sejalan

dengan nilai-nilai Perusahaan (Corporate Culture Values), sasaran usaha dan strategi Bank serta memiliki rewards and punishment system.

4. Bank harus meyakini bahwa semua organ organisasi Bank mempunyai kompetensi sesuai dengan tanggung jawabnya dan memahami perannya dalam implementasi good corporate gorvernance.

1. The Bank estimates business targets and strategies to be accountable to stakeholders.2. The Bank establishes a check and balance system in regulating the Bank.3. The Bank has a performance measure of all organisational media based on an admitted size and is relevant to the

values of the Company (Corporate Culture Values), business goals, and strategies of the Bank and has a reward and penalty system.

4. The Bank must consider that all organisational means of the Bank are accountable under their responsibilities and realise their purpose in implementing good corporate governance.

ResponsibilitasResponsibility

1. Bank berpegang pada prinsip kehati-hatian (prudential bank practices) dan menjamin kepatuhan terhadap peraturan yang berlaku.

2. Bank sebagai good corporate citizen peduli terhadap lingkungan dan melaksanakan tanggung jawab sosial secara wajar.

1. The Bank adheres to the principle of prudence (prudential bank practices) and warrants compliance with applicable regulations.

2. The Bank, as a good corporate entity, cares about the environment and poses social responsibility, appropriately.

IndependensiIndependence

1. Bank menghindari terjadinya dominasi yang tidak wajar oleh stakeholders manapun dan tidak terpengaruh oleh kepentingan sepihak serta terbebas dari benturan kepentingan (conflict of interest).

2. Bank mengambil keputusan secara objektif dan bebas dari segala tekanan pihak manapun.

1. The Bank circumvents the appearance of such unfair domination by any stakeholder, is not affected by unilateral interests, and is disengaged from conflicts of interest.

2. The Bank makes decisions, objectively and is loose from pressure from any party.

Kesetaraan dan KewajaranEquality and Fairness

1. Bank memperhatikan kepentingan seluruh stakeholders asas kesetaraan dan kewajaran (equal treatment). 2. Bank memberikan kesempatan kepada seluruh stakeholders untuk memberikan masukan dan menyampaikan

pendapat bagi kepentingan Bank serta membuka akses terhadap informasi sesuai dengan prinsip keterbukaan.

1. The Bank pays attention to the interests of the entire stakeholders based on equality and fairness (equal treatment).2. The Bank grants an opportunity for all stakeholders to render input, to verbalise opinions for the interests of the

Bank, and to open access to information by the principle of openness.






Sebagai dampak positif dari penerapan tata kelola terhadap penciptaan budaya kerja dan keberlangsungan Perseroan, BRI Agro terus-menerus meningkatkan kinerjanya agar pencapaiannya dapat berkesinambungan. Walaupun kinerja keuangan tahun 2019 masih dalam tahap perbaikan, tetapi dari aspek tata kelola Perseroan diapresiasi oleh pihak eksternal.

Pada tahun 2019 terlihat adanya peningkatan kepercayaan dari pemegang saham pengendali dan pihak eksternal. Bukti keefektifan penerapan GCG dalam Perseroan juga menjadi sorotan dari beberapa Lembaga dan media dengan diperolehnya penghargaan-penghargaan di tahun 2019 antara lain:

NO Nama PenghargaanAwards

Jenis PenghargaanType of Awards

Waktu Penganugerahan

Time of Award

Pemberi PenghargaanAppreciator

1 Indonesia Enterprise Risk Management Award - III 2019 1 st The Best Risk Management - Kategori Buku 2

3 Agustus 2019August 3, 2019

Economic Review

2 11 th IICD (Indonesian Institute for Corporate Directorship) Corporate Governance Conference and Award 2019

“Best Responsibility of the Board Big Cap”

14 Oktober 2019October 14, 2019

IICD (Indonesian Institute for Corporate Directorship)

3 Good Corporate Governance Awards 2019 Perusahaan dengan penerapan CGPI (Corporate Governance Perception Index) yang terpercaya

11 Desember 2019December 11, 2019

Majalah SWA (SWANETWORK) & IICG (Indonesia Institute Corporate Governance)

As a positive impact of the application of governance towards the creation of a work culture and sustainability of the Company, BRI Agro continuously improves its performance in order to achieve it can be sustainable. Despite the financial performance of 2019 still in the stage of improvement, but from the aspect of corporate governance appreciated by external parties.

In 2019, there was an increase in trust from controlling shareholders and external parties. Evidence of effectiveness GCG implementation in the Company is also a highlight of several Institutions and media by obtaining awards in 2019 include:






Komitmen dan konsistensi akan penerapan Tata Kelola Perusahaan yang Baik di BRI Agro memperlihatkan peningkatan kualitas Perseroan dari tahun ke tahun baik dalam kinerja keuangan maupun operasional Bank. Tidak menjadi puas akan pencapaian yang diperoleh, BRI Agro terus melakukan berbagai upaya dan kegiatan untuk senantiasa menyempurnakan penerapan GCG yang telah dilakukan sebelumnya agar dapat menciptakan budaya dan nilai tambah yang berkelanjutan bagi kepentingan para pemegang saham dan pemangku kepentingan lainnya dalam jangka pendek maupun jangka panjang.

Beberapa kegiatan yang dilaksanakan BRI Agro sepanjang tahun 2019 sebagai upaya peningkatan dalam penerapan GCG yang lebih baik antara lain:1. Mengikuti CGPI Awards 2018 yang diselenggarakan oleh

Indonesian Institute of Corporate Governance (IICG) bekerjasama dengan majalah SWA;

2. Melakukan sosialisasi terhadap ketentuan internal Bank terkait dengan Pengendalian Gratifikasi.

Standar Kualitas Penerapan Corporate Governance

Pada prinsipnya pelaksanaan penerapan GCG di BRI Agro berjalan dengan baik dan dilaksanakan sebagai sebuah bentuk kerjasama antara Dewan Komisaris, Direksi, dan seluruh pekerja dalam setiap kegiatan dengan tujuan untuk melindungi kepentingan Bank, shareholders dan stakeholders.

Standar-standar tersebut mengatur peran Dewan Komisaris menjalankan fungsi pengawasannya untuk memastikan bahwa kepengurusan Perusahaan dilaksanakan oleh Direksi sesuai dengan peraturan perundangan yang berlaku dan memberikan nasihat/pendapat atas tindakan/ kegiatan strategis yang akan dan telah dilaksanakan oleh Direksi secara hati-hati untuk mencapai tujuan Perseroan. Direksi menegaskan dalam menjalankan fungsi kepengurusannya dilaksanakan secara amanah dan profesional serta menghindari terjadinya segala potensi benturan kepentingan. Demikian juga dengan organ-organ GCG lainnya yang saling bersinergi untuk menciptakan seluruh kegiatan operasional Perseroan berjalan sesuai dengan peraturan perundang-undangan yang berlaku.

Commitment and persistence in the implementation of Good Corporate Governance at BRI Agro attest the advancement in the quality of the Company from year to year, both in the financial and operational performance of the Bank. Despite the achievements received, BRI Agro remains to perform multifarious disciplines and activities to perpetually develop the implementation of GCG that has been previously posed to generate a culture and an added-value sustainable for the interests of shareholders and other stakeholders in the short and long-term.

Some of the activities undertaken by BRI Agro throughout 2019 as an endeavour to promote GCG implementation include:

1. Following the 2018 CGPI Awards held by the Indonesian Institute of Corporate Governance (IICG) in collaboration with SWA magazine;

2. Disemminating the Bank’s internal provisions related to Gratification Control.

Quality Standards of the Corporate Governance Implementation

The GCG implementation in BRI Agro, principally, went very well and was done as a model of cooperation amongst the Board of Commissioners, the Board of Directors, and the entire employees in each activity to protect the interests of the Bank, shareholders, and stakeholders.

These measures manage the role of the Board of Commissioners in performing their supervisory functions to assure that the management of the Company is conducted by the Directors under the applicable laws and regulations and provides advice/views on strategic actions/activities that will and have been carried out by the Directors to achieve the Company’s goals, precisely. The Board of Directors affirmed that in carrying out its management functions were solemnly deemed as mandate and professional matter. Thus, those are to avoid any potential conflicts of interest. Furthermore, the other GCG elements working together to ensure all of the Company’s operational activities run under applicable laws and regulations.

PENINGKATAN KUALITAS PENERAPAN CORPORATE GOVERNANCEQUALITY IMPROVEMENT WITHIN THE CORPORATE GOVERNANCE IMPLEMENTATION






Self Assessment GCG

Sebagai upaya perbaikan dan peningkatan kualitas penerapan GCG dan dengan berlandaskan kepada peraturan OJK dalam hal ini SE OJK nomor 13/SEOJK.03/2017 Tahun 2017 perihal Penerapan Tata Kelola Bagi Bank Umum; Bank harus melakukan penilaian sendiri (self-assessment) secara komprehensif dan berkala agar dapat menetapkan rencana tindak lanjut yang meliputi tindakan korektif (bila diperlukan) dengan memperhatikan 11 (sebelas) faktor penilaian yaitu:1. Pelaksanaan tugas dan tanggung jawab Direksi

2. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris

3. Kelengkapan dan pelaksanaan tugas komite

4. Penanganan benturan kepentingan5. Penerapan fungsi kepatuhan6. Penerapan fungsi audit intern 7. Penerapan fungsi audit ekstern 8. Penerapan manajemen risiko termasuk sistem pengendalian

intern9. Penyediaan dana kepada pihak terkait (related party) dan

penyediaan dana besar (large exposure)10. Transparansi kondisi keuangan dan non keuangan Bank11. Laporan pelaksanaan tata kelola dan pelaporan internal12. Rencana strategis Bank.

Berikut adalah hasil penilaian sendiri pelaksanaan GCG di BRI Agro untuk periode semester pertama tahun 2019 dan hasil dari periode semester kedua tahun 2019 masih berada di peringkat 2.

Hasil Penilaian Sendiri (Self Assessment) Penerapan Tata KelolaThe Self-Assessment Results of Governance Implementation

PeringkatRank

Definisi PeringkatDefinition of Rank

Individual 2 Mencerminkan manajemen Bank telah melakukan penerapan Tata Kelola yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip Tata Kelola. Dalam hal terdapat kelemahan penerapan prinsip Tata Kelola, secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank.

Displaying the Bank’s management that they have implemented good governance, frequently. This is showcased in a sufficient fulfilment of the principles of Governance. At the moment there are deficiencies in the governance principles implementation, in general, these flaws are less significant and can be settled by methodical procedures by the Bank’s management.

KonsolidasiConsolidation

- -

Self-Assessment GCG

As an attempt to revive and to improve the quality of GCG implementation based on FSA regulations, in this case, SE OJK number 13/SEOJK.03/2017 in 2017 concerning the Application of Governance for Commercial Banks; the Bank must conduct a comprehensive and periodic self-assessment to devise a follow-up plan that incorporates corrective actions (if necessary) concerning 11 (eleven) assessment determinants, i.e:

1. The implementation of the duties and responsibilities of the Board of Directors

2. Conducting the duties and responsibilities of the Board of Commissioners

3. The completeness and implementation of the committee’s duties

4. Handling conflicts of interest5. The application of the compliance function6. The application of the internal audit function7. The application of the external audit function8. The application of risk management including internal control

system9. The provision of funds to related parties and extensive exposure

10. Transparency of the Bank’s financial and non-financial conditions11. Reports on governance and internal reporting12. The Bank’s strategic plan.

The following are the results of the GCG implementation self-assessment at BRI Agro for the first semester period of 2019 and the results of the period the second semester of 2019 is still ranked 2.






AnalisisAnalysis

Berdasarkan analisis terhadap seluruh kriteria/indikator penilaian tersebut diatas, disimpulkan bahwa peringkat faktor penerapan Tata Kelola Bank BRI Agro Triwulan I Tahun 2019 adalah 2 (BAIK), hal ini tercermin dari :A. Governance Structure

1. Faktor-faktor positif aspek governance structure Bank adalah :a) Penerapan Tata Kelola dengan berlandaskan 5 (lima) prinsip dasar Transparansi, Akuntabilitas, Pertanggungjawaban, Independensi

dan Kewajaran telah tercermin dalam pengelolaan Bank BRI Agro.b) Terdapat pemisahan yang jelas mengenai tugas, tanggung jawab Dewan Komisaris, Direksi, Komite-Komite dan Satuan Kerja dalam

menerapkan fungsinya.c) Bank telah memiliki Dewan Komisaris, Direksi, Komite-Komite serta fungsi Satuan Kerja sesuai dengan ketentuan yang berlaku.d) Bank telah memiliki infrastruktur Tata Kelola Bank meliputi kebijakan dan prosedur Bank, dengan tugas pokok dan fungsi masing-

masing struktur organisasi yaitu :- Pedoman Tata Kelola Perusahaan yang Baik- Corporate Plan- Business Plan- Kebijakan Umum Perkreditan- Pedoman Pelaksanaan Kredit Menengah, Ritel, Konsumer dan Treasury.- Pedoman APU dan PPT- Pedoman Pengendalian Gratifikasi- Program pendidikan ODP- Program pendidikan pekerja dalam upaya peningkatan kompetensi- Kebijakan dan Prosedur Operasional

2. Faktor-faktor negatif aspek governance structure Bank : Nihil

B. Governance Process1. Faktor-faktor positif aspek governance process Bank adalah :

a) Dalam melaksanakan kegiatan operasional Bank telah diatur dengan Kebijakan dan Prosedur yang jelas, tugas dan kewenangan serta limit diatur dengan memperhatikan 5 (lima) prinsip dasar penerapan Tata Kelola sehingga mencerminkan efektivitas proses penerapan Tata Kelola, antara lain :- Pengambilan keputusan oleh Dewan Komisaris dilakukan melalui mekanisme rapat.- Pengawasan Dewan Komisaris terhadap pelaksanaan tugas dan tanggung jawab Direksi serta memberikan nasihat kepada

Direksi telah didokumentasikan dengan baik.- Direksi telah menetapkan kebijakan dan keputusan strategik melalui mekanisme rapat Direksi.- Setiap keputusan rapat yang diambil Direksi dapat diimplementasikan dan sesuai dengan kebijakan dan pedoman serta tata

tertib kerja yang berlaku.b) Penerapan Fungsi Kepatuhan diimplementasikan secara optimal pada setiap aktivitas Bank, sebagai bentuk penerapan Fungsi

Kepatuhan maka :- Setiap kebijakan bidang kredit dan non kredit yang akan diterbitkan dalam bentuk Surat Keputusan atau Surat Edaran Direksi

harus melalui proses Uji Kepatuhan.- Setiap pengambilan keputusan dibidang perkreditan pada limit Direksi harus dilakukan Uji Kepatuhan setelah proses Komite

Kredit.- Setiap draft final Perjanjian Kerjasama yang akan ditandatangani Direksi harus melalui proses Uji Kepatuhan terlebih dahulu.- Dilakukan review dan analisa dampak serta sosialisasi oleh Bagian Kepatuhan kepada Satuan Kerja terkait adanya ketentuan

terbaru maupun perubahan ketentuan dari Bank Indonesia, OJK maupun ketentuan eksternal lainnya.- Telah dilakukan sosialisasi dan evaluasi pelaksanaan Fungsi Kepatuhan dan APU-PPT di seluruh Kantor Cabang dan Capem Bank

BRI Agro.c) Kebijakan-kebijakan bidang perkreditan maupun operasional yang diterbitkan oleh Bagian Kebijakan telah disampaikan kepada

Satuan Kerja terkait.d) Kebijakan penerapan Manajemen Risiko khususnya Risk Control Self Assesment (RCSA), Loss Database Management (LDM) dan

Manajemen Kelangsungan Usaha (MKU) telah disosialisasikan kepada Satuan Kerja dan Kantor Cabang untuk meminimalisir adanya risiko operasional.

e) Bidang MSDM telah meningkatkan kompetensi SDM dengan memberikan pendidikan internal maupun ekstemal kepada pekerja dan calon pekerja Bank BRI Agro secara berkesinambungan.






AnalisisAnalysis

f ) Kegiatan bisnis telah didukung dengan Fungsi Kepatuhan, pengendalian intern dan Manajemen Risiko.g) Seluruh jajaran Bank BRI Agro secara berkesinambungan telah meningkatkan governance process dengan meningkatkan koordinasi,

komunikasi baik melalui telepon, email maupun Nota Dinas dan mengadministrasikan seluruh kegiatan pada Satuan Kerja dan antar Satuan Kerja dengan baik.

2. Faktor-faktor negatif aspek governance process yaitu masih terdapat kelemahan-kelemahan di dalam kegiatan operasional Bank yang memerlukan perbaikan secara terus-menerus melalui sosialisasi dan pendidikan serta meningkatkan fungsi control.

C. Governance Outcome1. Faktor-faktor positif aspek governance outcome Bank adalah :

a) Hasil kinerja Bank secara berkesinambungan menunjukkan peningkatan tercermin dalam laporan kinerja Bank BRI Agro.b) Laporan kinerja tahunan Bank telah dipublikasikan melalui website Bank BRI Agro dan melaporkannya kepada OJK sesuai ketentuan

yang berlaku.c) Perbaikan dan peningkatan di Bidang Kepatuhan dalam penyampaian kewajiban laporan dan komitmen kepada Otoritas Jasa

Keuangan tepat waktu.2. Faktor-faktor negatif aspek governance outcome Bank yaitu masih adanya denda dari OJK dan BI terhadap kesalahan, keterlambatan serta

kelalaian dalam pelaporan. Bank BRI Agro secara terus-menerus melakukan perbaikan dengan meningkatkan Sistem Informasi Manajemen sehingga memberikan nilai tambah dengan ketepatan dan penyampaian laporan yang lebih cepat dan lebih baik dari yang dilaksanakan saat ini.

Based on the analysis of all the assessment criteria/indicators aforementioned, it is said that the ranking factors of the Bank BRI Agro Quarterly I Year 2019 Governance is 2 (GOOD), these are:A. Governance Structure

1. Convinced determinants in aspects of the Bank’s governance structure are:a. The implementation of Governance based on 5 (five) basic principles of Transparency, Accountability, Responsibility, Independence,

and Fairness have been reflected in the management of BRI Agro Bank.b. There is a definite division of the duties, responsibilities of the Board of Commissioners, Directors, Committees, and Work Units in

implementing their functions.c. The Bank has a Board of Commissioners, a Board of Directors, Committees as well as a Work Unit function under applicable

regulations.d. The Bank has had a Bank Governance infrastructure covering the Bank’s policies and procedures, with the foremost responsibilities

and functions of each organisational structure, namely:· Good Corporate Governance Guidelines · Corporate Plan· Business Plan· General Credit Policy· Guidelines for Implementing Medium, Retail, Consumer, and Treasury Loans.· AML and CFT guidelines· Gratification Control Guidelines· ODP education program· Employee education programs to increase competence· Operational Policies and Procedures

2. Adverse circumstances in aspects of the Bank’s governance structure: None

B. Governance Process1. Certain constituents in aspects of the Bank’s governance process are:

a. In executing the Bank’s operational activities, it has been regulated with transparent Policies and Procedures, duties and authorities, as well as limits, are regulated by cautiously deeming 5 (five) basic principles of the application of Governance; thus, it reveals the method effectiveness of implementing Governance, including:· Decision making by the Board of Commissioners is carried out through a meeting mechanism.· The supervision of the Board of Commissioners regarding the implementation of the duties and responsibilities of the Board of

Directors and providing advice to the Board of Directors has been well documented.






AnalisisAnalysis

· The Board of Directors has established policies and strategic decisions through the mechanism of the Board of Directors’ meetings.

· Every meeting decision taken by the Board of Directors can be implemented and under the policies and guidelines and work rules that apply.

b. Implementation of the Compliance Function is implemented optimally in every activity of the Bank, as a form of implementation of the Compliance Function:· Every credit and non-credit policy to be issued in the form of a Decree or Circular of the Board of Directors must go through a

Compliance Test process.· Every decision making in the field of credit at the Board of Directors limit must be carried out a Compliance Test after the Credit

Committee process.· Every final draft of the Cooperation Agreement to be signed by the Board of Directors must first go through the Compliance Test

process.· Conducting a review and analysis of the impact and socialisation by the Compliance Division to the Work Unit related to the

latest provisions and changes in the provisions of Bank Indonesia, OJK and other external provisions.· Socialisation and evaluation of the Compliance and APU-PPT functions implementation have done in the whole BRI Agro Branch

Offices and Sub-Branches.c. Credit and operational policies issued by the Policy Section have been submitted to the relevant Work Unit.d. Policies on the application of Risk Management, especially Risk Control Self Assessment (RCSA), Loss Database Management (LDM)

and Business Continuity Management (MKU) have been disseminated to the Work Unit and Branch Offices to depreciate operational perils.

e. The HRM field has improved HR competencies by fitting internal and external education to employees and prospective employees of Bank BRI Agro on an ongoing basis.

f. Business activities have been supported by the Compliance Function, internal control and Risk Management.g. All levels of Bank BRI Agro have continuously improved governance processes by improving coordination, communication both by

telephone, email and Office Note and administering all activities in the Work Unit and amongst Work Units, properly.2. Contradictory factors in the governance process aspects that there are still deficiencies in the Bank's operational activities requiring

perpetual improvement through socialisation and education as well as improving the control function.

C. Governance Outcome1. Convinced portions in aspects of the Bank's governance outcome are:

a. The proceeds of the Bank's continuous performance showcased an increase reflected in the BRI Agro Bank performance report.b. The Bank's annual performance report has been published through the BRI Agro Bank website and reports it to FSA under applicable

regulations.c. Corrections and improvements in the Compliance Sector in the submission of report obligations and commitments to the Financial

Services Authority, punctually.2. Negatory constituents in aspects of the Bank's governance outcome, specifically the existence of fines from FSA and BI for inaccuracies,

delays, and omissions in reporting. Bank BRI Agro perpetually makes improvements by updating the Management Information System to afford added value with the accuracy and delivery of reports that are more expeditious and better than what is being implemented, currently.

Rating Tingkat Kesehatan Bank

Penilaian Tingkat Kesehatan BRI Agro merujuk kepada Peraturan Otoritas Jasa Keuangan No. 4/POJK.03/2016 tentang Penilaian Tingkat Kesehatan Bank Umum dan Peraturan Otoritas Jasa Keuangan No.55/POJK.03/2016 tentang Penerapan Tata Kelola bagi Bank Umum. Tingkat Kesehatan Bank merupakan hasil penilaian kualitatif yang terdiri dari profil risiko, penerapan tata kelola perusahaan, rentabilitas dan permodalan.

Bank’s Risk-Based Rating

The Risk-based Rating of BRI Agro Assessment refers to the Financial Services Authority Regulation No. 4/POJK.03/2016 concerning Assessment of Soundness of Commercial Banks and Financial Services Authority Regulation No.55/POJK.03/2016 concerning Application of Governance for Commercial Banks. The Bank’s Risk-Based Rating is the result of a qualitative assessment consisting of venture profiles and the application of corporate governance, profitability, and capital.






No Jenis RisikoTypes of Risks

Penilaian Tingkat RisikoRisk Level Assessment

Tingkat RisikoRisk LevelTingkat Risiko Inherent

Inherent Risk Level

Tingkat Kualitas Penerapan Manajemen Risiko

Quality of Risk Management Implementation

1 Risiko KreditCredit Risk

Moderate - Peringkat 3Moderate - Rank 3

Fair - Peringkat 3Fair - Rank 3


2 Risiko PasarMarket Risk

Low to Moderate - Peringkat 2Low to Moderate - Rank 2

Satisfactory - Peringkat 2Satisfactory - Rank 2


3 Risiko LikuiditasLiquidity Risk

Low to Moderate - Peringkat 2Low to Moderate - Rank2



4 Risiko Operasional Operating Risk


Fair - Peringkat 3Fair - Rank 3


5 Risiko HukumLegal Risk




6 Risiko StrategikStrategic Risk




7 Risiko KepatuhanCompliance Risk




8 Risiko ReputasiReputation Risk




Predikat Risiko Bank Secara KeseluruhanBank Risk Predicate as a Whole

Moderate Moderate

Moderate Moderate


Penilaian Pihak Eksternal

Untuk mendapatkan feedback atau penilaian akan pelaksanaan penerapan GCG dalam Perseroan, BRI Agro tidak hanya melaksanakan self assessment seperti ketentuan regulator tetapi juga meminta pihak ketiga dalam menilai hasil penerapan GCG.

Corporate Governance Perception Index (CGPI)

Corporate Governance Perception Index (CGPI) adalah program riset dan pemeringkatan penerapan GCG pada perusahaan-perusahaan di Indonesia melalui perancangan riset yang mendorong perusahaan meningkatkan kualiatas penerapan konsep GCG yang bertujuan untuk melakukan perbaikan secara berkesinambungan (continuous improvement) serta melakukan evaluasi dan study banding (benchmarking).

Tema CGPI untuk penilaian tahun buku 2018 adalah “Penguatan Platform Bisnis dalam Kerangka GCG”yang berupaya untuk mendorong perusahaan melakukan tinjauan terhadap sejauh mana prinsip-prinsip GCG dijadikan landasan dalam pengurusan perusahaan dan penguatan platform bisnis perusahaan.

External Party Assessment

To get feedback or an assessment of the GCG implementation in the Company, not only does BRI Agro undertake self-assessment as stipulated by the regulator, but also requires the third-party to evaluate the results of GCG implementation.

Corporate Governance Perception Index (CGPI)

The Corporate Governance Perception Index (CGPI) is a program research and ranking of the application of GCG in companies in Indonesia through encouraging research designs companies improve the quality of the application of the GCG concept aims to make improvements continuously as well as conducting evaluations and studies benchmarking.

The CGPI theme for the 2018 fiscal year assessment was "Strengthening Business Platform in the GCG Framework "that seeks to Encourage companies to review the extent where GCG principles are used as a basis for management companies and strengthening the company's business platform.






Ruang Lingkup penilaian CGPI 2018 ini meliputi :1. Kepatuhan (compliance) yaitu memenuhi kepatuhan terhadap

berbagai peraturan perundang-undangan2. Kesesuaian (conformance) yaitu memastikan keselarasan

terhadap norma, etika dan tata nilai3. Kinerja (performance) yaitu mewujudkan pencapaian kinerja

perusahaan secara finansial dan non finansial

Metode penilaian CGPI menggunakan 3 aspek dan indikator penilaian meliputi struktur governansi (governance structure), proses governansi (governance process) dan hasil governansi (governance outcome) dan melalui 2 tahap penilaian yaitu :A. Tahapan analisis meliputi :

1. Pengisian kuesioner (self assessment) oleh responden internal dan eksternal

2. Penilaian sistem dokumentasi perusahaan atas kelengkapan dokumen bukti implementasi GCG dan pengisian data perusahaan

B. Tahapan Observasi, meliputi :1. Paparan eksekutif oleh salah satu organ perusahaan2. Diskusi tanya jawab yang melibatkan Tim observer CGPI

dan internal perusahaan (Dewan Komisaris, Direksi, Manajemen)

BRI Agro mengikuti kegiatan ini untuk pertama kalinya dan meraih peringkat Tepercaya (Trusted ), nilai 83,27 % dengan rincian :a. Struktur governansi = 29,16b. Proses governansi = 26,80c. Hasil governansi = 27,31

The scope of the 2018 CGPI assessment includes:1. Compliance (compliance), namely compliance with various

laws and regulations2. Conformance (conformance), namely ensuring harmony

towards norms, ethics and values3. Performance (which is to realise the achievement of performance

company financially and non-financially

The CGPI assessment method uses 3 aspects and assessment indicators that cover the governance structure (governance structure), the process governance and governance outcome and through 2 stages of assessment, namely:A. Stages of analyses:

1. Completing the questionnaire (self-assessment) by the respondent internal and external

2. Evaluation of the company documentation system for completeness document of evidence of GCG implementation and data filling company

B. Observation Stages:1. Executive exposure by one of the company's organs2. Discussion of questions and answers involving the CGPI

observer team and internal company (Board of Commissioners, Directors, Management)

BRI Agro participated in this activity for the first time and won Trusted ratings, a value of 83.27% with details:a. Governance structure = 29.16b. The process of governance = 26.80c. The result of governance = 27.31






Berdasarkan Peraturan OJK Nomor 21/POJK.04/2015 tentang Penerapan Pedoman Tata Kelola Perusahaan Terbuka dan Surat Edaran OJK No.32/SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Terbuka, pedoman tata kelola mencakup 5 (lima) aspek, 8 (delapan) prinsip dan 25 (dua puluh lima) rekomendasi penerapan aspek dan prinsip tata kelola perusahaan yang baik.

Rekomendasi penerapan aspek dan prinsip tata kelola perusahaan yang baik dalam Pedoman Tata Kelola adalah standar penerapan aspek dan prinsip tata kelola perusahaan yang baik yang harus diterapkan oleh Perseroan.

No. PrinsipPrinciple

RekomendasiRecommendation

Penjelasan Rekomendasi OJKFSA Recommendation Exegesis

Penjelasan Penerapan di BRI Agro

Implementation Exegesis in BRI Agro

Compliance

1 Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham Dalam Menjamin Hak-Hak Pemegang Saham; Aspect 1: Public Company Relations with Shareholders in Vouching for the Rights of Shareholders;

Prinsip 1 Meningkatkan Nilai Penyelenggaraan RUPS

Principle 1Increasing the Value of GMS

1. Perusahaan Terbuka memiliki cara atau prosedur teknis pengumpulan suara (voting) baik secara terbuka maupun tertutup yang mengedepankan independensi, dan kepentingan pemegang saham.

1. Public Company has a method or technical procedure for voting (open or closed voting) that prioritizes independence, and the interests of shareholders.

- Setiap saham dengan hak suara yang dikeluarkan mempunyai satu hak suara (one share one vote). Pemegang saham dapat menggunakan hak suaranya pada saat pengambilan keputusan, terutama dalam pengambilan keputusan dengan cara pengumpulan suara (voting). Namun demikian, mekanisme pengambilan keputusan dengan cara pengumpulan suara (voting) baik secara terbuka maupun tertutup belum diatur secara rinci.

- Perusahaan Terbuka direkomendasikan mempunyai prosedur pengambilan suara dalam pengambilan keputusan atas suatu mata acara RUPS. Adapun prosedur pengambilan suara (voting) tersebut harus menjaga independensi ataupun kebebasan pemegang saham. Sebagai contoh, dalam pengumpulan suara (voting) secara terbuka dilakukan dengan cara mengangkat tangan sesuai dengan instruksi pilihan yang ditawarkan oleh pimpinan RUPS. Sedangkan, dalam pengumpulan suara (voting) secara tertutup dilakukan pada keputusan yang membutuhkan kerahasiaan ataupun atas permintaan pemegang saham, dengan cara menggunakan kartu suara ataupun dengan penggunaan electronic voting.

Mekanisme pengambilan keputusan dalam RUPS di BRI Agro dilakukan dengan cara pengumpulan suara (voting), dimana Ketua Rapat memberikan waktu kepada para pemegang saham/kuasanya untuk menyampaikan pendapat dan/menanyakan dan/membahas hal-hal yang berkaitan dengan masing-masing mata acara rapat melalui kartu suara. Keputusan akan diambil berdasarkan suara terbanyak sesuai dengan prinsip one share one vote.

The decision making mechanism in the AGMS at BRI Agro is done by voting, where the Chairperson of the Meeting gives time to the shareholders/their attorneys to express their opinions and/ask questions and/discuss matters relating to each agenda item through sound card. Decisions will be made based on majority votes in accordance with the principle of one share one vote.

Comply

PENERAPAN ASPEK DAN PRINSIP TATA KELOLA PERUSAHAAN SESUAI KETENTUAN OTORITAS JASA KEUANGANCORPORATE GOVERNANCE ASPECTS AND PRINCIPLES IMPLEMENTATION BY THE TERMS OF FINANCIAL SERVICES AUTHORITY

Based on FSA Regulation Number 21/POJK.04/2015 concerning the Implementation of Open Corporate Governance Guidelines and FSA Circular Letter No.32/SEOJK.04/2015 regarding Open Corporate Governance Guidelines, the governance guidelines cover 5 (five) aspects, 8 (eight) principles and 25 (twenty-five) recommendations on the application of aspects and principles of good corporate governance.

Recommendations on the application of aspects and principles of good corporate governance in the Guidelines for Governance are a standard implementation of aspects and principles of good corporate governance that must be applied by the Company.











Compliance

- Each share with voting rights issued has one vote (one share one vote). Shareholders can use their voting rights when making decisions, especially in decision making by voting. However, the mechanism for decision making by way of voting (voting) either openly or closedly has not been regulated in detail.

- The Public Company is recommended to have a voting procedure in making decisions on a GMS agenda. The voting procedure must maintain shareholder independence or freedom. For example, in open voting it is done by raising hands according to the choice instructions offered by the chair of the GMS. Meanwhile, in closed voting, decisions are made that require confidentiality or at the request of shareholders, by using a voting card or by using electronic voting.

2. Seluruh anggota Direksi dan anggota Dewan Komisaris Perusahaan Terbuka hadir dalam RUPS Tahunan.

2. The whole members of the Board of Directors and Board of Commissioners of the Public Company are present at the Annual GMS.

Kehadiran seluruh anggota Direksi dan anggota Dewan Komisaris Perusahaan Terbuka bertujuan agar setiap anggota Direksi dan anggota Dewan Komisaris dapat memperhatikan, menjelaskan dan menjawab secara langsung permasalahan yang terjadi atau pertanyaan yang diajukan oleh pemegang saham terkait mata acara dalam RUPS.

The presence of all members of the Board of Directors and Board of Commissioners of the Public Company is intended so that each member of the Board of Directors and members of the Board of Commissioners can pay attention, explain and answer directly the problems that occur or questions raised by shareholders related to the agenda at the GMS.

Seluruh anggota Direksi dan anggota Dewan Komisaris hadir dalam RUPS baik Tahunan maupun Luar Biasa.

All members of the Board of Directors and members of the Board of Commissioners attend the Annual and Extraordinary GMS.

Comply

3. Ringkasan risalah RUPS tersedia dalam Situs Web Perusahaan Terbuka paling sedikit selama 1 (satu) tahun.

3. A summary of GMS minutes is available on the Public Company Website for at least 1 (one) year.

Perusahaan Terbuka wajib membuat ringkasan risalah RUPS dalam bahasa Indonesia dan bahasa asing (minimal dalam bahasa Inggris), serta diumumkan 2 (dua) hari kerja setelah RUPS diselenggarakan kepada masyarakat, yang salah satunya melalui Situs Web Perusahaan Terbuka. Ketersediaan ringkasan risalah RUPS pada Situs Web Perusahaan Terbuka memberikan kesempatan bagi pemegang saham yang tidak hadir untuk mendapatkan informasi penting dalam penyelenggaraan RUPS secara mudah dan cepat. Oleh karena itu, ketentuan tentang jangka waktu minimal ketersediaan ringkasan risalah RUPS di Situs Web dimaksudkan untuk menyediakan kecukupan waktu bagi pemegang saham untuk memperoleh informasi tersebut.











Compliance

The Public Company is required to make a summary of the minutes of the GMS in Indonesian and foreign languages (at least in English), and be announced 2 (two) working days after the GMS is held to the public, one of which is through the Public Company Website. The availability of a summary of the minutes of a GMS on the Public Company Website provides an opportunity for shareholders who are not present to obtain important information in holding a GMS easily and quickly. Therefore, the provisions regarding the minimum time period for the availability of summary minutes of the GMS on the Website are intended to provide sufficient time for shareholders to obtain this information.

Tersedia di website perusahaan: www.briagro.co.id

Available on the Company's website: www.briagro.co.id

Comply

Prinsip 2 Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor.

Principle 2Improving the Quality of Public Company Communication with Shareholders or Investors.

4. Perusahaan Terbuka memiliki suatu kebijakan komunikasi dengan pemegang saham atau investor.

4. Public Company has a communi-cation policy with shareholders or investors.

- Adanya komunikasi antara Perusahaan Terbuka dengan pemegang saham atau investor dimaksudkan agar para pemegang saham atau investor mendapatkan pemahaman lebih jelas atas informasi yang telah dipublikasikan kepada masyarakat, seperti laporan berkala, keterbukaan informasi, kondisi atau prospek bisnis dan kinerja, serta Pelaksanaan Tata Kelola Perusahaan Terbuka. Disamping itu, pemegang saham atau investor juga dapat menyampaikan masukan dan opini kepada manajemen Perusahaan Terbuka.

- Kebijakan komunikasi dengan para pemegang saham atau investor menunjukan komitmen Perusahaan Terbuka dalam melaksanakan komunikasi dengan para pemegang saham atau investor. Dalam kebijakan tersebut dapat mencakup strategi, program, dan waktu pelaksanaan komunikasi, serta panduan yang mendukung pemegang saham atau investor untuk berpartisipasi dalam komunikasi tersebut.

- The existence of communication between the Public Company and shareholders or investors is intended so that shareholders or investors get a clearer understanding of information that has been published to the public, such as periodic reports, information disclosure, business conditions or prospects and performance, and the Implementation of Good Corporate Governance . In addition, shareholders or investors can also submit input and opinions to the management of the Public Company.

Perusahaan memiliki kebijakan terkait dengan keterbukaan informasi seperti tertuang dalam SK Direksi No B.04/DiR.01.02/SKP/12/2014 tanggal 16 Desember 2014 perihal: Kebijakan Pelayanan dan Pengelolaan Informasi PT Bank Rakyat Indonesia Agroniaga Tbk.

The Company has a policy related to information disclosure as stated in Letter No. B.04/DiR.01.02/SKP/12/2014 dated on December 16, 2014, concerning: Information and Service Management Policy of PT Bank Rakyat Indonesia Agroniaga Tbk.

Comply











Compliance

- The communication policy with shareholders or investors shows the commitment of the public company in carrying out communication with shareholders or investors. The policy can include strategies, programs, and timing of communication, as well as guidelines that support shareholders or investors to participate in the communication.

5. Perusahaan Terbuka mengungkapkan kebijakan komunikasi Perusahaan Terbuka dengan pemegang saham atau investor dalam Situs Web.

5. The Public Company discloses the Public Company's communication policy with shareholders or investors on the Website.

Pengungkapan kebijakan komunikasi merupakan bentuk transparansi atas komitmen Perusahaan Terbuka dalam memberikan kesetaraan kepada semua pemegang saham atau investor atas pelaksanaan komunikasi. Pengungkapan informasi tersebut juga bertujuan untuk meningkatkan partisipasi dan peran pemegang saham atau investor dalam pelaksanaan program komunikasi Perusahaan Terbuka.

Disclosure of communication policies is a form of transparency of the commitment of the public company in providing equality to all shareholders or investors for the implementation of communication. Disclosure of this information also aims to increase participation and the role of shareholders or investors in the implementation of the public company communication program.

Tersedia di website perusahaan: www.briagro.co.id

Available on the Company's website: www.briagro.co.id

Comply

II Aspek 2: Fungsi dan Peran Dewan Komisaris Aspect 2: Function and Role of the Board of Commissioners

Prinsip 3 Memperkuat Keanggotaan dan Komposisi Dewan Komisaris

Principle 3Strengthening the Membership and Composition of the Board of Commissioners

6. Penentuan jumlah anggota Dewan Komisaris mempertim-bangkan kondisi Perusahaan Terbuka.

6. A number of members of the Board of Commissioners stipulation considers the condition of the Public Company.

Jumlah anggota Dewan Komisaris dapat mempengaruhi efektivitas pelaksanaan tugas dari Dewan Komisaris. Penentuan jumlah anggota Dewan Komisaris Perusahaan Terbuka wajib mengacu kepada ketentuan peraturan perundang-undangan yang berlaku, yang paling kurang terdiri dari 2 (dua) orang berdasarkan ketentuan peraturan OJK tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik. Selain itu, perlu juga mempertimbangkan kondisi Perusahaan Terbuka yang antara lain yang meliputi karakteristik, kapasitas, dan ukuran, serta pencapaian tujuan dan pemenuhan kebutuhan bisnis yang berbeda diantara Perusahaan Terbuka. Namun demikian, jumlah anggota Dewan Komisaris yang terlalu besar berpotensi mengganggu efektivitas pelaksanaan fungsi Dewan Komisaris.

Sebagaimana dalam Anggaran Dasar Perseroan, mekanisme penentuan jumlah Dewan Komisaris dilakukan dengan mempertimbangkan best practice (peers grup perbankan) dimana Bank Buku II dengan total Aset selevel Perseroan maksimum memiliki jumlah Komisaris sebanyak 4 orang dan Direksi 5 orang. Dan tidak melebihi jumlah Direksi.

As in the Company's Articles of Association, the mechanism for determining the number of the Board of Commissioners is to take into account best practices (banking group peers) where Bank Book II with total assets at the Company's level has a maximum of 4 Commissioners and 5 Directors. And does not exceed the number of Directors.

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Compliance

The number of members of the Board of Commissioners can affect the effectiveness of carrying out the duties of the Board of Commissioners. Determination of the number of members of the Board of Commissioners of a Public Company must refer to the provisions of the applicable laws and regulations, which consist of at least 2 (two) people based on the provisions of the FSA regulations regarding the Board of Directors and the Board of Commissioners of an Issuer or Public Company. In addition, it is necessary to consider the condition of a Public Company which includes, among others, the characteristics, capacity and size, as well as the achievement of objectives and meeting the different business needs of the Public Company. However, an excessively large number of members of the Board of Commissioners has the potential to interfere with the effectiveness of the Board of Commissioners' functions.

7. Penentuan komposisi anggota Dewan Komisaris memperhatikan keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan.

7. Determination of the composition of the members of the Board of Commissioners deems the diversity of expertise, knowledge, and experience required.

Komposisi Dewan Komisaris merupakan kombinasi karakteristik baik dari segi organ Dewan Komisaris maupun anggota Dewan Komisaris secara individu, sesuai dengan kebutuhan Perusahaan Terbuka. Karakteristik tersebut dapat tercermin dalam penentuan keahlian, pengetahuan, dan pengalaman yang dibutuhkan dalam pelaksanaan tugas pengawasan dan pemberian nasihat oleh Dewan Komisaris Perusahaan Terbuka. Komposisi yang telah memperhatikan kebutuhan Perusahaan Terbuka merupakan suatu hal yang positif, khususnya terkait pengambilan keputusan dalam rangka pelaksanaan fungsi pengawasan yang dilakukan dengan mempertimbangkan berbagai aspek yang lebih luas.

The composition of the Board of Commissioners is a combination of characteristics both in terms of the organs of the Board of Commissioners and individual members of the Board of Commissioners, according to the needs of the Public Company. These characteristics can be reflected in the determination of expertise, knowledge, and experience needed in carrying out supervisory duties and providing advice by the Board of Commissioners of the Public Company. The composition that has taken into account the needs of the public company is a positive thing, especially related to decision making in the context of implementing the supervisory function carried out by considering a broader range of aspects.

Penentuan komposisi anggota Dewan Komisaris telah memperhatikan keberagaman keahlian, pengetahuan dan pengalaman, termasuk usia sesuai dengan kebutuhan perusahaan.

Determination of the composition of the members of the Board of Commissioners has taken into account the diversity of expertise, knowledge and experience, including age according to the company's needs.

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Compliance

4 Prinsip 4 Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.

Principle 4Improving the Quality of Performing Duties and Responsibilities of the Board of Commissioners.

8. Dewan Komisaris mempunyai kebijakan penilaian sendiri (Self Assessment) untuk menilai kinerja Dewan Komisaris.

8. The Board of Commissioners has its own assessment policy (Self-Assessment) to assess the performance of the Board of Commissioners.

- Kebijakan penilaian sendiri (Self Assessment) Dewan Komisaris merupakan suatu pedoman yang digunakan sebagai bentuk akuntabilitas atas penilaian kinerja Dewan Komisaris secara kolegial. Self Assessment atau penilaian sendiri dimaksud dilakukan oleh masing-masing anggota untuk menilai pelaksanaan kinerja Dewan Komisaris secara kolegial, dan bukan menilai kinerja individual masing-masing anggota Dewan Komisaris. Dengan adanya Self Assessment ini diharapkan masing-masing anggota Dewan Komisaris dapat berkontribusi untuk memperbaiki kinerja Dewan Komisaris secara berkesinambungan.

- Dalam kebijakan tesebut dapat mencakup kegiatan penilaian yang dilakukan beserta maksud dan tujuannya, waktu pelaksanaannya secara berkala, dan tolok ukur atau kriteria penilaian yang digunakan sesuai dengan dengan rekomendasi yang diberikan oleh fungsi nominasi dan remunerasi Perusahaan Terbuka, dimana adanya fungsi tersebut telah diwajibkan dalam Peraturan OJK tentang Komite Nominasi dan Remunerasi Emiten atau Perusahaan Publik.

- The Board of Commissioners Self-Assessment Policy is a guideline used as a form of accountability for collegially evaluating the performance of the Board of Commissioners. Self-assessment or self-assessment is intended by each member to assess the implementation of the performance of the Board of Commissioners collegially, and not to assess the individual performance of each member of the Board of Commissioners. With this Self Assessment it is expected that each member of the Board of Commissioners can contribute to improving the performance of the Board of Commissioners on an ongoing basis.

- The policy can include assessment activities carried out along with their aims and objectives, periodic implementation time, and benchmarks or assessment criteria used in accordance with recommendations given by the public company nomination and remuneration function, where the existence of these functions has been required in the Regulation FSA concerning the Nomination and Remuneration Committee of Issuers or Public Companies.

Kebijakan terkait dengan self assessment Dewan Komisaris tertuang dalam kebijakan self assessment GCG perusahaan yang dilakukan secara berkala setiap 3 (tiga) bulan sekali.

Policies related to the Board of Commissioners self-assessment are set out in the company's GCG self-assessment policies which are carried out regularly every 3 (three) months.

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Compliance

9. Kebijakan penilaian sendiri (Self Assessment) untuk menilai kinerja Dewan Komisaris, diungkapkan melalui Laporan Tahunan Perusahaan Terbuka.

9. The policy of self-assessment (Self-Assessment) to assess the performance of the Board of Commissioners, disclosed through the Annual Report of the Public Company

Pengungkapan kebijakan Self Assessment atas kinerja Dewan Komisaris dilakukan tidak hanya untuk memenuhi aspek transparansi sebagai bentuk pertanggungjawaban atas pelaksanaan tugasnya, namun juga, untuk memberikan keyakinan khususnya kepada para pemegang saham atau investor atas upaya-upaya yang perlu dilakukan dalam meningkatkan kinerja Dewan Komisaris. Dengan adanya pengungkapan tersebut pemegang saham atau investor mengetahui mekanisme check and balance terhadap kinerja Dewan Komisaris.

Disclosure of the Self Assessment policy on the performance of the Board of Commissioners is done not only to fulfill the transparency aspect as a form of accountability for carrying out its duties, but also, to provide confidence especially to shareholders or investors of the efforts that need to be done in improving the performance of the Board of Commissioners. With this disclosure, shareholders or investors are aware of the check and balance mechanism for the performance of the Board of Commissioners.

Sebagaimana diungkapkan dalam Bab Tata Kelola dan Laporan Dewan Komisaris dalam Laporan Tahunan ini.

As disclosed in the Governance and Reports of the Board of Commissioners Chapter in this Annual Report.

Comply

10. Dewan Komisaris mempunyai kebijakan terkait pengunduran diri anggota Dewan Komisaris apabila terlibat dalam kejahatan keuangan.

10. The Board of Commissioners has a policy regarding the resignation of members of the Board of Commissioners when involved in financial crimes.

- Kebijakan pengunduran diri anggota Dewan Komisaris yang terlibat dalam kejahatan keuangan merupakan kebijakan yang dapat meningkatkan kepercayaan para pemangku kepentingan terhadap Perusahaan Terbuka, sehingga integritas perusahaan akan tetap terjaga. Kebijakan ini diperlukan untuk membantu kelancaran proses hukum dan agar proses hukum tersebut tidak mengganggu jalannya kegiatan usaha. Selain itu, dari sisi moralitas, kebijakan ini membangun budaya beretika di lingkungan Perusahaan Terbuka. Kebijakan tersebut dapat tercakup dalam Pedoman ataupun Kode Etik yang berlaku bagi Dewan Komisaris.

- Selanjutnya, yang dimaksud dengan terlibat dalam kejahatan keuangan merupakan adanya status terpidana terhadap anggota Dewan Komisaris dari pihak yang berwenang. Kejahatan keuangan dimaksud seperti manipulasi dan berbagai bentuk penggelapan dalam kegiatan jasa keuangan serta Tindakan Pidana Pencucian Uang sebagaimana dimaksud dalam Undang-Undang Nomor 8 Tahun 2010 tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang.

Sebagaimana diatur dalam Anggaran Dasar Perseroan dan dalam Pedoman Kerja Dewan Komisaris.

As stipulated in the Company's Articles of Association and in the Board of Commissioners Work Guidelines.

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- The resignation policy of members of the Board of Commissioners involved in financial crimes is a policy that can increase the confidence of stakeholders in public companies, so that the integrity of the Company will be maintained. This policy is needed to help smooth the legal process and so that the legal process does not interfere with the course of business activities. In addition, in terms of morality, this policy builds an ethical culture in the environment of a public company. This policy can be covered in the Guidelines or the Code of Ethics that applies to the Board of Commissioners.

- Furthermore, what is meant by being involved in financial crimes is the existence of the status of a convicted member of the Board of Commissioners from the authorised party. Financial crimes are referred to as manipulation and various forms of embezzlement in financial service activities as well as the Criminal Act of Money Laundering as referred to in Act Number 8 of 2010 concerning Prevention and Eradication of Criminal Acts of Money Laundering.

11. Dewan Komisaris atau Komite yang menjalankan fungsi Nominasi dan Remunerasi menyusun kebijakan suksesi dalam proses Nominasi anggota Direksi.

11. The Board of Commissioners or Committee that carries out the Nomination and Remuneration function formulates a succession policy in the Nomination process of the members of the Board of Directors.

Berdasarkan ketentuan Peraturan OJK tentang Komite Nominasi dan Remunerasi Emiten atau Perusahaan Publik, komite yang menjalankan fungsi nominasi mempunyai tugas untuk menyusun kebijakan dan kriteria yang dibutuhkan dalam proses Nominasi calon anggota Direksi. Salah satu kebijakan yang dapat mendukung proses Nominasi sebagaimana dimaksud adalah kebijakan suksesi anggota Direksi. Kebijakan mengenai suksesi bertujuan untuk menjaga kesinambungan proses regenerasi atau kaderisasi kepemimpinan di perusahaan dalam rangka mempertahankan keberlanjutan bisnis dan tujuan jangka panjang perusahaan.

Based on the provisions of the FSA Regulation on the Nomination and Remuneration Committee of Issuers or Public Companies, the committee that carries out the nomination function has the task to prepare the policies and criteria needed in the Nomination process for candidates for Directors. One of the policies that can support the Nomination process referred to is the succession policy for members of the Board of Directors. The succession policy aims to maintain the continuity of the regeneration process or the regeneration of leadership in the company in order to maintain business sustainability and the long-term goals of the company.

Dewan Komisaris yang menjadi anggota Komite Remunerasi dan Nominasi telah menyusun kebijakan dan kriteria yang dibutuhkan dalam proses Nominasi calon anggota Direksi, dan telah diterapkan dalam penentuan Calon Direksi Perseroan.

The Board of Commissioners who is a member of the Remuneration and Nomination Committee has compiled the policies and criteria needed in the Nomination process for prospective members of the Board of Directors, and has been applied in determining the Prospective Directors of the Company.

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Compliance

III Aspek 3: FUNGSI DAN PERAN DIREKSI Aspect 3: FUNCTION AND ROLE OF THE BOARD OF DIRECTORS

Prinsip 5 Memperkuat Keanggotaan dan Komposisi Direksi.

Principle 5Strengthening the Membership and Composition of Directors.

12. Penentuan jumlah anggota Direksi mempertim-bangkan kondisi Perusahaan Terbuka serta efektivitas dalam pengambilan keputusan.

12. Determination of the number of members of the Board of Directors considers the condition of the Public Company and its effectiveness in decision making.

Sebagai organ perusahaan yang berwenang dalam pengurusan perusahaan, penentuan jumlah Direksi sangat mempengaruhi jalannya kinerja Perusahaan Terbuka. Dengan demikian, penentuan jumlah anggota Direksi harus dilakukan melalui pertimbangan yang matang dan wajib mengacu pada ketentuan Peraturan Perundang-undangan yang berlaku, dimana berdasarkan Peraturan OJK tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik paling sedikit terdiri dari 2 (dua) orang. Disamping itu, dalam penentuan jumlah Direksi harus didasarkan pada kebutuhan untuk mencapai maksud dan tujuan Perusahaan Terbuka dan disesuaikan dengan kondisi Perusahaan Terbuka, meliputi karakteristik, kapasitas dan ukuran Perusahaan Terbuka serta bagaimana tercapainya efektivitas pengambilan keputusan Direksi.

As a corporate organ that is authorised in managing the company, determining the number of Directors greatly influences the performance of the Public Company. Therefore, the determination of the number of members of the Board of Directors must be done through careful consideration and must refer to the provisions of the prevailing laws and regulations, which are based on OJK Regulations on Directors and Board of Commissioners of an Issuer or Public Company, consisting of at least 2 (two) people. In addition, the determination of the number of Directors must be based on the need to achieve the goals and objectives of the Public Company and adapted to the conditions of the Public Company, including the characteristics, capacity and size of the Public Company and how effective the decision making of the Directors is.

Sebagaimana dalam Anggaran Dasar Perseroan, mekanisme penentuan jumlah Direksi dilakukan dengan mempertimbangkan best practice (peers grup perbankan) dimana Bank Buku II dengan total Aset selevel Perseroan maksimum memiliki jumlah Direksi sebanyak 5 orang.

As in the Company's Articles of Association, the mechanism for determining the number of Directors is carried out by considering the best practice (banking group peers) where Book Bank II with total Assets at the Company level has a maximum of 5 Directors.

Comply

13. Penentuan komposisi anggota Direksi memperhatikan, keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan.

Seperti halnya Dewan Komisaris, keberagaman komposisi anggota Direksi merupakan kombinasi karakteristik yang diinginkan baik dari segi organ Direksi maupun anggota Direksi secara individu, sesuai dengan kebutuhan Perusahaan Terbuka. Kombinasi tersebut ditentukan dengan cara memperhatikan keahlian, pengetahuan dan pengalaman yang sesuai pada pembagian tugas dan fungsi jabatan Direksi dalam mencapai tujuan Perusahaan Terbuka.

Penentuan komposisi anggota Direksi telah memperhatikan keberagaman keahlian, pengetahuan, usia dan pengalaman sesuai dengan kebutuhan perusahaan.

Determination of the composition of members of the Board of Directors has paid attention to the diversity of expertise, knowledge, age and experience in accordance with company needs.











Compliance

13. Determination of the composition of members of the Board of Directors pays attention to the diversity of expertise, knowledge, and experience needed.

Dengan demikian, pertimbangan kombinasi karakteristik dimaksud akan berdampak dalam ketepatan proses pencalonan dan penunjukan individual anggota Direksi ataupun Direksi secara kolegial.

Like the Board of Commissioners, the diversity of the composition of members of the Board of Directors is a combination of desired characteristics both in terms of the organs of the Board of Directors and individual members of the Board of Directors, in accordance with the needs of the Public Company. The combination is determined by taking into account the appropriate expertise, knowledge and experience in the division of duties and functions of the Board of Directors' position in achieving the goals of the Public Company. Therefore, consideration of the combination of characteristics referred to will have an impact on the accuracy of the nominating process and the appointment of individual members of the Board of Directors or the Board of Directors collegially.

Comply

14. Anggota Direksi yang membawahi bidang akuntansi atau keuangan memiliki keahlian dan/atau pengetahuan di bidang akuntansi.

14. Members of the Board of Directors who are in charge of accounting or finance have expertise and/or knowledge in accounting.

- Laporan Keuangan merupakan laporan pertanggungjawaban manajemen atas pengelolaan sumber daya yang dimiliki oleh Perusahaan Terbuka, yang wajib disusun dan disajikan sesuai dengan Standar Akuntansi Keuangan yang berlaku umum di Indonesia dan juga peraturan OJK terkait, antara lain peraturan perundang-undangan di sektor Pasar Modal yang mengatur mengenai penyajian dan pengungkapan Laporan Keuangan Perusahaan Terbuka. Berdasarkan peraturan perundang-undangan di sektor Pasar Modal yang mengatur mengenai tanggung jawab Direksi atas Laporan Keuangan, Direksi secara tanggung renteng bertanggung jawab atas Laporan Keuangan, yang ditandatangani Direktur Utama dan anggota Direksi yang membawahi bidang akuntansi atau keuangan.

- Dengan demikian, pengungkapan dan penyusunan informasi keuangan yang disajikan dalam laporan keuangan akan sangat tergantung pada keahlian, dan/atau pengetahuan Direksi, khususnya anggota Direksi yang membawahi bidang akuntansi atau keuangan. Adanya kualifikasi keahlian dan/atau pengetahuan di bidang akuntansi yang setidaknya dimiliki anggota Direksi











Compliance

dimaksud dapat memberikan keyakinan atas penyusunan Laporan Keuangan, sehingga Laporan Keuangan tersebut dapat diandalkan oleh para pemangku kepentingan (stakeholders) sebagai dasar pengambilan keputusan ekonomi terkait Perusahaan Terbuka dimaksud. Keahlian dan/atau pengetahuan tersebut dapat dibuktikan dengan latar belakang pendidikan, sertifikasi pelatihan dan/atau pengalaman kerja terkait.

- Financial Report is a report of management responsibility for the management of resources owned by a Public Company, which must be prepared and presented in accordance with generally accepted Financial Accounting Standards in Indonesia as well as related FSA regulations, including regulations in the Capital Market sector that govern regarding the presentation and disclosure of Public Company Financial Statements. Based on the laws and regulations in the Capital Market sector that governs the responsibilities of the Board of Directors for the Financial Statements, the Board of Directors is jointly responsible for the Financial Statements, which are signed by the President Director and members of the Board of Directors in charge of the accounting or financial sector.

- Thus, the disclosure and preparation of financial information presented in the financial statements will highly depend on the expertise and/or knowledge of the Directors, especially members of the Directors who are in charge of accounting or finance. The expertise and/or knowledge qualifications in accounting that are at least possessed by the members of the Board of Directors can provide confidence in the preparation of the Financial Statements, so that the Financial Statements can be relied upon by the stakeholders as the basis for economic decision-making related to the said Public Company. Such expertise and/or knowledge can be proven with relevant educational background, training certification and/or work experience

Direksi yang membawahi bidang Akuntansi dan Keuangan di BRI Agro adalah Direktur Operasional dan Keuangan dan memiliki pengetahuan di bidang tersebut baik dari latar belakang pendidikan maupun pengalaman kerja sebelumnya di Bank BRI.

The Directors in charge of Accounting and Finance in BRI Agro are the Operations and Finance Director and have knowledge in these fields both from their educational backgrounds and previous work experience at Bank BRI

Penyajian dan pengungkapan Laporan Keuangan telah sesuai dengan ketentuan dan kaidah akuntansi yang berlaku

The presentation and disclosure of the Financial Statements are in accordance with the applicable provisions and accounting rules

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Compliance

6 Prinsip 6 Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi.

Principle 6Improving the Quality of Performing Duties and Responsibilities of Directors.

15. Direksi mempunyai kebijakan penilaian sendiri (Self Assessment) untuk menilai kinerja Direksi.

15. Directors have their own assessment policies (Self-Assessment) to assess the performance of the Directors.

- Seperti halnya pada Dewan Komisaris, kebijakan penilaian sendiri (Self Assessment) Direksi merupakan suatu pedoman yang digunakan sebagai bentuk akuntabilitas atas penilaian kinerja Direksi secara kolegial. Self Assessment atau penilaian sendiri dimaksud dilakukan oleh masing-masing anggota Direksi untuk menilai pelaksanaan kinerja Direksi secara kolegial, dan bukan menilai kinerja individual masing-masing anggota Direksi. Dengan adanya Self Assessment ini diharapkan masing-masing anggota Direksi dapat berkontribusi untuk memperbaiki kinerja Direksi secara berkesinambungan.

- Dalam kebijakan tesebut dapat mencakup kegiatan penilaian yang dilakukan beserta maksud dan tujuannya, waktu pelaksanaannya secara berkala, dan tolak ukur atau kriteria penilaian yang digunakan sesuai dengan dengan rekomendasi yang diberikan oleh fungsi nominasi dan remunerasi Perusahaan Terbuka, dimana pembentukan fungsi tersebut telah diwajibkan dalam Peraturan OJK tentang Komite Nominasi dan Remunerasi Emiten atau Perusahaan Publik.

- As with the Board of Commissioners, the Board of Directors self-assessment policy is a guideline used as a form of accountability for collegially evaluating Directors› performance. Self-Assessment or self-assessment is intended by each member of the Board of Directors to assess the collegial performance of the Board of Directors, and not to assess the individual performance of each member of the Board of Directors. With this Self-Assessment it is expected that each member of the Board of Directors can contribute to improving the performance of the Board of Directors on an ongoing basis.

- The policy can include assessment activities carried out along with their aims and objectives, periodic implementation time, and benchmarks or assessment criteria used in accordance with recommendations given by the public company nomination and remuneration functions, where the establishment of these functions has been required in the Regulation FSA concerning the Nomination and Remuneration Committee of Issuers or Public Companies.

Kebijakan terkait dengan self assessment direksi tertuang dalam kebijakan self assessment GCG perusahaan yang dilakukan secara berkala setiap 3 (tiga) bulan sekali.

Policies related to the self-assessment of directors are set out in the company's GCG self-assessment policy which is carried out regularly every 3 (three) months.

Terdapat KPI (Key Performance Indicator) untuk Direksi yang dipergunakan untuk menilai kinerja Direksi.

There are KPI (Key Performance Indicators) for Directors that are used to assess the performance of Directors

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Compliance

16. Kebijakan penilaian sendiri (Self Assessment) untuk menilai kinerja Direksi diungkapkan melalui laporan tahunan Perusahaan Terbuka.

16. The self-assessment policy to assess the performance of the Directors is disclosed through the annual report of the Public Company.

Pengungkapan kebijakan Self Assessment atas kinerja Direksi dilakukan tidak hanya untuk memenuhi aspek transparansi sebagai bentuk pertanggungjawaban atas pelaksanaan tugasnya, namun juga untuk memberikan informasi penting atas upaya-upaya perbaikan dalam pengelolaan Perusahaan Terbuka. Informasi tersebut sangat bermanfaat untuk memberikan keyakinan kepada pemegang saham atau investor bahwa terdapat kepastian pengelolaan perusahaan terus dilakukan ke arah yang lebih baik. Dengan adanya pengungkapan tersebut pemegang saham atau investor mengetahui mekanisme check and balance terhadap kinerja Direksi.

Disclosure of the Self Assessment policy on the performance of the Board of Directors is carried out not only to fulfill the transparency aspect as a form of accountability for the implementation of its duties, but also to provide important information for improvement efforts in the management of the Public Company. This information is very useful to provide confidence to shareholders or investors that there is a certainty that management of the company will continue to be carried out in a better direction. With this disclosure, shareholders or investors are aware of the check and balance mechanism for the performance of the Board of Directors.

Sebagaimana diungkapkan dalam Bab Tata Kelola Perusahaan dan dan Laporan Direksi.

As disclosed in the Corporate Governance Chapter and and the Directors' Report.

Comply

17. Direksi mempunyai kebijakan terkait pengunduran diri anggota Direksi apabila terlibat dalam kejahatan keuangan.

17. The Board of Directors has a policy related to the resignation of members of the Board of Directors when involved in financial crimes.

- Kebijakan pengunduran diri anggota Direksi yang terlibat dalam kejahatan keuangan merupakan kebijakan yang dapat meningkatkan kepercayaan para pemangku kepentingan terhadap Perusahaan Terbuka, sehingga integritas perusahaan akan tetap terjaga. Kebijakan ini diperlukan untuk membantu kelancaran proses hukum dan agar proses hukum tersebut tidak mengganggu jalannya kegiatan usaha. Selain itu, dari sisi moralitas, kebijakan ini akan membangun budaya beretika di lingkungan Perusahaan Terbuka. Kebijakan tersebut dapat tercakup dalam Pedoman ataupun Kode Etik yang berlaku bagi Direksi.

Sebagaimana tertuang dalam Anggaran Dasar Perseroan dan Pedoman Kerja Direksi.

As stated in the Company's Articles of Association and Directors' Work Guidelines

Tidak ada anggota Direksi yang terlibat kejahatan keuangan.

There are no members of the Board of Directors involved in financial crimes.

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Compliance

- Selanjutnya, yang dimaksud dengan terlibat dalam kejahatan keuangan merupakan adanya status terpidana terhadap anggota Direksi dari pihak yang berwenang. Kejahatan keuangan dimaksud seperti manipulasi dan berbagai bentuk penggelapan dalam kegiatan jasa keuangan serta Tindakan Pidana Pencucian Uang sebagaimana dimaksud dalam Undang Undang Nomor 8 Tahun 2010 tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang.

- The resignation policy of members of the Board of Directors involved in financial crimes is a policy that can increase the confidence of stakeholders in public companies, so that the integrity of the company will be maintained. This policy is needed to help smooth the legal process and so that the legal process does not interfere with the course of business activities. In addition, in terms of morality, this policy will build an ethical culture within the public company. The policy can be covered in the Guidelines or the Code of Ethics that applies to the Directors.

- Furthermore, what is meant by being involved in financial crimes is the existence of the status of a convicted member of the Board of Directors of the authorized party. Financial crimes are referred to as manipulation and various forms of embezzlement in financial service activities and Money Laundering Acts as referred to in Law Number 8 of 2010 concerning Prevention and Eradication of Money Laundering Crimes.

IV Aspek 4: Partisipasi Pemangku KepentinganAspect 4: Stakeholder Participation

Prinsip 7 Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku Kepentingan.

Principle 7Improving Corporate Governance Aspects through Stakeholder Participation.

18. Perusahaan Terbuka memiliki kebijakan untuk mencegah terjadinya insider trading.

18. Public Company has a policy to prevent insider trading.

Seseorang yang mempunyai informasi orang dalam dilarang melakukan suatu transaksi Efek dengan menggunakan informasi orang dalam sebagaimana dimaksud dalam Undang-Undang mengenai Pasar Modal. Perusahaan Terbuka dapat meminimalisir terjadinya insider trading tersebut melalui kebijakan pencegahan, misalnya dengan memisahkan secara tegas data dan/atau informasi yang bersifat rahasia dengan yang bersifat publik, serta membagi tugas dan tanggung jawab atas pengelolaan informasi dimaksud secara proporsional dan efisien.

BRI Agro memiliki kebijakan Pelayanan dan pengelolaan informasi PT Bank Rakyat Indonesia Agroniaga Tbk yang diatur dalam Surat No B.04/DIR.01.02/SKP/12/2014 yang diterbitkan pada tanggal 16 Desember 2014.

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Compliance

Someone who has inside information is prohibited from conducting a Securities transaction using inside information as referred to in the Capital Market Law. Public Company can minimize the occurrence of insider trading through prevention policies, for example by strictly separating data and/or information that is confidential from the public nature, as well as dividing tasks and responsibilities for the management of said information, proportionally and efficiently.

BRI Agro has a service and information management policy of PT Bank Rakyat Indonesia Agroniaga Tbk which is regulated in Letter No. B.04/DIR.01.02 / SKP/12/2014 issued on December 16, 2014.

19. Perusahaan Terbuka memiliki kebijakan anti korupsi dan anti fraud.

19. Public Company has anti-corruption and anti-fraud policies.

Kebijakan anti korupsi bermanfaat untuk memastikan agar kegiatan usaha Perusahaan Terbuka dilakukan secara legal, prudent, dan sesuai dengan prinsip-prinsip tata kelola yang baik. Kebijakan tersebut dapat merupakan bagian dalam kode etik, ataupun dalam bentuk tersendiri. Dalam kebijakan tersebut dapat meliputi antara lain mengenai program dan prosedur yang dilakukan dalam mengatasi praktik korupsi, balas jasa (kickbacks), fraud, suap dan/atau gratifikasi dalam Perusahaan Terbuka. Lingkup dari kebijakan tersebut harus menggambarkan pencegahan Perusahaan Terbuka terhadap segala praktik korupsi baik memberi atau menerima dari pihak lain

Anti-corruption policies are useful to ensure that the business activities of the public company are carried out legally, prudently and in accordance with the principles of good governance. The policy can be part of the code of ethics, or in its own form. The policy may include among others the programs and procedures carried out in dealing with corrupt practices, kickbacks, fraud, bribes and/or gratuities in public companies. The scope of the policy must illustrate the prevention of public companies against all corrupt practices, both giving and receiving from other parties

Bank memiliki kebijakan anti fraud sesuai SK No.Kep : B.34/Dir.01.02/KMRH/09/2015 tanggal 30 September 2015 tentang Strategi Anti Fraud.

The Bank has an anti-fraud policy in accordance with Decree No. Kep: B.34/Dir.01.02/KMRH/09/2015 dated on September 30, 2015, concerning Anti-Fraud Strategy.

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20. Perusahaan Terbuka memiliki kebijakan tentang seleksi dan peningkatan kemampuan pemasok atau vendor.

- Kebijakan tentang seleksi pemasok atau vendor bermanfaat untuk memastikan agar Perusahaan Terbuka memperoleh barang atau jasa yang diperlukan dengan harga yang kompetitif dan kualitas yang baik. Sedangkan kebijakan peningkatan kemampuan pemasok atau vendor bermanfaat untuk memastikan bahwa rantai pasokan (supply chain) berjalan dengan efisien dan efektif. Kemampuan pemasok atau vendor dalam memasok/memenuhi barang atau jasa yang dibutuhkan perusahaan akan mempengaruhi kualitas output perusahaan.

Perusahaan memiliki kebijakan yang mengatur seleksi pemasok atau vendor yang diantaranya telah meliputi kriteria-kriteria tersebut yang tertuang dalam aturan Pengadaan Barang dan Jasa NOKEP B.301 A/Dir.01.05/ OPS/03/2015 tanggal 31 Maret 2015 dan diperbaharui melalui Surat Keputusan Direksi No. Kpts.B. 25/Dir.03.04/CMG/04/2019 tentang Pedoman Pengadaan Barang dan Jasa (Revisi) tanggal 29 April 2019.

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Compliance

20. Public Company has a policy regarding the selection and improvement of the ability of suppliers or vendors.

- Pelaksanaan kebijakan-kebijakan tersebut dapat menjamin kontinuitas pasokan, baik dari segi kuantitas maupun kualitas yang dibutuhkan Perusahaan Terbuka. Adapun cakupan kebijakan ini meliputi kriteria dalam pemilihan pemasok atau vendor, mekanisme pengadaan yang transparan, upaya peningkatan kemampuan pemasok atau vendor, dan pemenuhan hak-hak yang berkaitan dengan pemasok atau vendor.

- The policy on selecting suppliers or vendors is useful to ensure that the public company obtains the goods or services needed at competitive prices and good quality. While the policy to improve the ability of suppliers or vendors is useful to ensure that the supply chain runs efficiently and effectively. The ability of suppliers or vendors to supply / fulfill the goods or services needed by the company will affect the quality of the company's output.

- Implementation of these policies can guarantee the continuity of supply, both in terms of quantity and quality required by the Public Company. The scope of this policy includes criteria in selecting suppliers or vendors, transparent procurement mechanisms, efforts to increase the ability of suppliers or vendors, and fulfillment of rights relating to suppliers or vendors.

The Company has a policy which regulates supplier selection or vendors including already includes the criteria is contained in Rules for the Procurement of Goods and NOKEP B.301 Services A/Dir.01.05/OPS/03/2015 dated March 31, 2015, and updated through Decree of the Board of Directors No. Kpts.B. 25/Dir.03.04/CMG/04/2019 concerning Guidelines Procurement of goods and services (Revised) April 29, 2019

Pelaksanaan Pengadaan Barang dan Jasa telah sesuai dan mengikuti ketentuan yang ada.

The implementation of the procurement of goods and services is in accordance with and follows the existing provisions

21. Perusahaan Terbuka memiliki kebijakan tentang pemenuhan hak-hak kreditur.

21. Public Company has a policy regarding the fulfillment of creditor rights.

Kebijakan tentang pemenuhan hak-hak kreditur digunakan sebagai pedoman dalam melakukan pinjaman kepada kreditur. Tujuan dari kebijakan dimaksud adalah untuk menjaga terpenuhinya hak-hak dan menjaga kepercayaan kreditur terhadap Perusahaan Terbuka. Dalam kebijakan tersebut mencakup pertimbangan dalam melakukan perjanjian, serta tindak lanjut dalam pemenuhan kewajiban Perusahaan Terbuka kepada kreditur.

The policy on fulfilling creditors' rights is used as a guide in making loans to creditors. The purpose of the policy is to maintain the fulfillment of rights and maintain creditor trust in the public company. The policy includes considerations in entering into agreements, as well as follow-up in fulfilling public company obligations to creditors.

Perseroan dalam kedudukannya sebagai kreditur (perseroan menerbitkan obligasi) memiliki kebijakan tentang pemenuhan hak-hak kreditur seperti tertuang dalam perjanjian dengan wali amanat.

The Company in its position as a creditor (the company issues bonds) has a policy about fulfilling the rights of creditors as stated in the agreement with the trustee

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Compliance

22. Perusahaan Terbuka memiliki kebijakan sistem whistleblowing.

22. Public Company has a whistle-blowing system policy.

Kebijakan sistem whistleblowing yang telah disusun dengan baik akan memberikan kepastian perlindungan kepada saksi atau pelapor atas suatu indikasi pelanggaran yang dilakukan pekerja atau manajemen Perusahaan Terbuka. Penerapan kebijakan sistem tersebut akan berdampak pada pembentukan budaya tata kelola perusahaan yang baik. Kebijakan sistem whistleblowing mencakup antara lain jenis pelanggaran yang dapat dilaporkan melalui sistem whistleblowing, cara pengaduan, perlindungan dan jaminan kerahasiaan pelapor, penanganan pengaduan, pihak yang mengelola aduan, dan hasil penanganan dan tindak lanjut pengaduan.

A well-structured whistleblowing system policy will provide certainty of protection to witnesses or reporters for an indication of violations committed by employees or management of a Public Company. Application of the system policy will have an impact on the formation of a culture of good corporate governance. The whistleblowing system policy covers, among other things, the types of violations that can be reported through the whistleblowing system, the method of complaints, the protection and guarantee of confidentiality of the reporter, the handling of complaints, the party that manages complaints, and the results of handling and following up on complaints.

BRI Agro telah memiliki aturan terkait dengan WBS yang diatur Surat Keputusan Direksi No. Kpts.:B.25/DIR.01.02/ SKAI/10/2016 tanggal 30 Oktober 2016 tentang revisi Sistem Pelaporan Pelanggaran (Whistleblowing System).

BRI Agro has rules related to WBS that are regulated by Decree of the Board of Directors No. Kpts.:B.25/DIR.01.02/SKAI/10/2016 dated on October 30, 2016, concerning the revision of the Whistleblowing System.

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23. Perusahaan Terbuka memiliki kebijakan pemberian insentif jangka panjang kepada Direksi dan pekerja

23. Public Company has a policy of providing long-term incentives to Directors and employees

- Insentif jangka panjang merupakan insentif yang didasarkan atas pencapaian kinerja jangka panjang. Rencana insentif jangka panjang mempunyai dasar pemikiran bahwa kinerja jangka panjang perusahaan tercermin oleh pertumbuhan nilai dari saham atau target-target jangka panjang perusahaan lainnya. Insentif jangka panjang bermanfaat dalam rangka menjaga loyalitas dan memberikan motivasi kepada Direksi dan pekerja untuk menigkatkan kinerja atau produktivitasnya yang akan berdampak pada peningkatan kinerja perusahaan dalam jangka panjang.

Sampai dengan tahun 2019, sesuai dengan kondisi keuangan Perseroan, kebijakan pemberian insentif jangka panjang untuk Direksi dan pekerja masih dalam proses pembahasan manajemen.

Until 2019, in accordance with the Company's financial condition, the policy of providing long-term incentives for Directors and employees is still in the process of management discussion.

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Compliance

- Adanya suatu kebijakan insentif jangka panjang merupakan komitmen nyata Perusahaan Terbuka untuk mendorong pelaksanaan pemberian insentif jangka panjang kepada Direksi dan Karyawan dengan syarat, prosedur dan bentuk yang disesuaikan dengan tujuan jangka panjang Perusahaan Terbuka. Kebijakan dimaksud dapat mencakup, antara lain: maksud dan tujuan pemberian insentif jangka panjang, syarat dan prosedur dalam pemberian insentif, serta kondisi dan risiko yang harus diperhatikan oleh Perusahaan Terbuka dalam pemberian insentif. Kebijakan tersebut juga dapat tercakup dalam kebijakan remunerasi Perusahaan Terbuka yang ada.

- Long-term incentives are incentives based on achieving long-term performance. The long-term incentive plan has the premise that the company's long-term performance is reflected by the growth in value of the shares or other long-term targets of the company. Long-term incentives are useful in order to maintain loyalty and provide motivation to the Directors and employees to improve their performance or productivity which will have an impact on improving company performance in the long run.

- The existence of a long-term incentive policy is a real commitment of the Public Company to encourage the implementation of long-term incentives for Directors and Employees with terms, procedures and forms that are tailored to the long-term goals of the Public Company. The said policy may include, among others: the purpose and objectives of providing long-term incentives, the terms and procedures for providing incentives, as well as the conditions and risks that must be considered by the Public Company in providing incentives. The policy can also be covered by the existing Public Company remuneration policy.











Compliance

V Aspek 5 : KETERBUKAAN INFORMASI Aspect 5: DISCLOSURE OF INFORMATION

Prinsip 8 Meningkatkan Pelaksanaan Keterbukaan Informasi.

Principle 8Improving the Implementation of Information Disclosure.

24. Perusahaan Terbuka memanfaatkan penggunaan teknologi informasi secara lebih luas selain Situs Web sebagai media keterbukaan informasi.

24. Public Companies make greater use of information technology in addition to the Website as a medium for information disclosure.

Penggunaan teknologi informasi dapat bermanfaat sebagai media keterbukaan informasi. Adapun keterbukaan informasi yang dilakukan tidak hanya keterbukaan informasi yang telah diatur dalam peraturan perundang-undangan, namun juga informasi lain terkait Perusahaan Terbuka yang dirasakan bermanfaat untuk diketahui pemegang saham atau investor. Dengan pemanfaatan teknologi informasi secara lebih luas selain Situs Web diharapkan perusahaan dapat meningkatkan efektivitas penyebaran informasi perusahaan. Meskipun demikian, pemanfaatan teknologi informasi yang dilakukan tetap memperhatikan manfaat dan biaya perusahaan.

The use of information technology can be useful as a medium of information disclosure. As for the disclosure of information, not only is the disclosure of information that has been regulated in the legislation, but also other information related to the Public Company which is considered beneficial for shareholders or investors to know. With the wider use of information technology other than the Website it is hoped that companies can increase the effectiveness of the dissemination of company information. Even so, the use of information technology is still taking into account the benefits and costs of the company.

Keterbukaan informasi hingga saat ini disampaikan melalui : situs web perusahaan briagro.co.id, koran nasional dan web bursa efek. Namun demikian, Bank juga telah mempunyai akun media sosial untuk menginformasikan kepada publik, diantaranya facebook, twitter dan instagram.

Information disclosure to date has been conveyed through: the company's website briagro.co.id , national newspapers and the stock exchange website. However, the Bank also has a social media account to inform the public, including Facebook, Twitter and Instagram.

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25. Laporan Tahunan Perusahaan Terbuka mengungkapkan pemilik manfaat akhir dalam kepemilikan saham Perusahaan Terbuka paling sedikit 5% (lima persen), selain pengungkapan pemilik manfaat akhir dalam kepemilikan saham Perusahaan Terbuka melalui pemegang saham utama dan pengendali.

Peraturan perundang-undangan di sektor Pasar Modal yang mengatur mengenai penyampaian laporan tahunan Perusahaan Terbuka telah mengatur kewajiban pengungkapan informasi mengenai pemegang saham yang memiliki 5% (lima persen) atau lebih saham Perusahaan Terbuka serta kewajiban pengungkapan informasi mengenai pemegang saham utama dan pengendali Perusahaan Terbuka baik langsung maupun tidak langsung sampai dengan pemilik manfaat terakhir dalam kepemilikan saham tersebut. Dalam Pedoman Tata Kelola ini direkomendasikan untuk mengungkapkan pemilik manfaat akhir atas kepemilikan saham Perusahaan Terbuka paling sedikit 5% (lima persen), selain mengungkapkan pemilik manfaat akhir dari kepemilikan saham oleh pemegang saham utama dan pengendali.

Pemilik akhir dalam kepemilikan saham telah disajikan sebagaimana Laporan Tahunan Perseroan.

The final owner in the ownership of shares has been presented as per the Company's Annual Report.

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Compliance

25. The Public Company Annual Report discloses the final beneficial owner in the ownership of the Public Company shares of at least 5% (five percent), in addition to the disclosure of the final beneficial owner in the ownership of the Public Company shares through the main and controlling shareholders.

Legislation in the Capital Market sector that regulates the submission of annual reports of the Public Company has set the obligation to disclose information about shareholders who own 5% (five percent) or more of the shares of the Public Company as well as the obligation to disclose information about the main shareholders and controllers of the Public Company both directly or indirectly up to the last beneficial owner in the ownership of said shares. In this Governance Manual it is recommended to disclose the final beneficial owner of the shares of the Public Company at least 5% (five percent), in addition to disclosing the final beneficial owner of share ownership by the main and controlling shareholders.






Struktur Tata Kelola Perusahaan

Mengacu pada peraturan dan perundang-undangan yang berlaku, struktur tata kelola BRI Agro disusun dengan tujuan untuk menetapkan kejelasan dalam pembagian tugas dan tanggung jawab, mekanisme dan alur pelaksanaan pengambilan keputusan, serta pelaporan dalam organ-organ yang ada di dalam Bank. Berikut struktur tata kelola perusahaan di BRI Agro sebagaimana ditetapkan dalam Surat Keputusan Direksi BRI Agro No. Kpts B.32/Dir.01.03/KMRH/IX/2017 tanggal 28 September 2017, perihal: Kebijakan Penerapan Tata Kelola Perusahaan yang baik.

Corporate Governance Structure

Referring to the applicable laws and regulations, BRI Agro’s governance structure is created to establish clarity in the distribution of duties and responsibilities, the mechanism and flow of decision making, and reporting in the organs within the Bank. Following is the corporate governance structure at BRI Agro as stipulated in BRI Agro Directors Decree No. Kpts B.32/Dir.01.03/KMRH/IX/2017 dated on September 28, 2017, concerning: Policy in Implementing Good Corporate Governance.

STRUKTUR DAN MEKANISME CORPORATE GOVERNANCE CORPORATE GOVERNANCE STRUCTURE AND MECHANISM

IndependencyINDEPENDENCYACCOUNTABILITY

DEWAN KOMISARISBoard of Commissioner

Keterangan :Struktur GCG di atas merupakan penjabaran dari Keputusan Direksi tentang Penerapan Tata Kelola Perusahaan No. Kpts B.32/Dir.01.03/KMRH/IX/2017 tanggal 28 September 2017, perihal : Kebijakan Penerapan Tata Kelola Perusahaan yang baik.

Tighter structure above is description of in the application of the decision of the board of directors of corporate governance No. Kpts B.32/Dir.01.03/K-MRH/IX/2017 dated September 28, 2017, the policy of : terms of corporate governance.

Board of DirectorDIREKSI

TransparencyTRANSPARANSI

Accountability ResponsibilityRESPONSIBILITY

FairnessFAIRNESS

RUPSGMS

KOMITE AUDITInternal Audit (SKAI)

KOMITE REMUNERASI& NOMINASI

Nominasi & Remuneration Committee

KOMITEPEMANTAU RISIKORisk Oversight Committee

SEKRETARIS PERUSAHAANHUBUNGAN INVESTOR

Corporate Secretary Investor Relations

KEPATUHAN &MANAJEMEN RISIKO

Compliance & Risk Management Unit

AUDIT INTERNAL(SKAI)

Internal Audit (SKAI)

KOMITEMANAJEMEN RISIKORisk Management Committee

KOMITE PENGARAHTEKNOLOGI INFORMASI

Information Technology Steering Committee

KOMITE KREDITCredit Committee

ALCOAlco

KOMITE KEBIJAKAN KREDIT& PENGEMBANGAN PRODUK

Credit Policy & Product Development Committee

KOMITEKEBIJAKAN PERKREDITAN

Credit Policy Committee






Infrastruktur Tata Kelola Perusahaan

Pelaksanaan tata kelola perusahaan dilakukan secara sistematis dan berkesinambungan dengan menjadikan prinsip-prinsip tata kelola perusahaan sebagai acuan dalam berbagai kegiatan usaha di BRI Agro. Penerapan tata kelola perusahaan terwujud dari interaksi seluruh organ Bank, dimana organ utama dalam struktur tata kelola BRI Agro terdiri dari Rapat Umum Pemegang Saham (RUPS), Dewan Komisaris dan Direksi, dengan kedudukan tertinggi adalah RUPS.

Untuk memaksimalkan fungsi organ utama dalam struktur tata kelola BRI Agro, maka dalam pelaksanaannya dibantu oleh organ pendukung yang terdiri dari Komite di bawah Dewan Komisaris, dan Sekretaris Perusahaaan, Audit Internal (SKAI) dan Komite Direksi di bawah Direksi.

Komite Dewan Komisaris yang dibentuk untuk membantu dan meningkatkan fungsi pengawasan yang dijalankan oleh Dewan Komisaris, terdiri dari: 1. Komite Audit 2. Komite Pemantau Risiko 3. Komite Remunerasi & Nominasi

Direksi bersama jajaran manajemen Bank bertugas untuk mengelola, mengendalikan, serta bertanggung jawab atas implementasi tata kelola di BRI Agro, dibantu oleh Sekretaris Perusahaaan, Audit Internal (SKAI) dan Komite Direksi, terdiri dari:

1. Komite Manajemen Risiko 2. Komite Kredit 3. Komite ALCO 4. Komite Pengarah Teknologi Informasi 5. Komite Kebijakan Perkreditan 6. Komite Kebijakan Kredit dan Pengembangan Produk

Soft Structure Tata Kelola Perusahaan

Dalam pelaksanaannya, BRI Agro memiliki berbagai kebijakan/ pedoman dalam menjalankan fungsi dan tugasnya yang disebut dengan soft structure GCG.

Tujuan membangun GCG soft structure antara lain sebagai berikut: 1. Melengkapi kebijakan pendukung dalam penerapan GCG. 2. Menjadi pedoman bagi Bank dalam menjalankan aktivitas

sehari-hari sesuai dengan budaya perusahaan yang diharapkan. 3. Merupakan bentuk komitmen tertulis bagi seluruh jajaran dan

tingkatan organisasi Bank dalam rangka meningkatkan disiplin dan tanggung jawab organ perusahaan dalam rangka menjaga kepentingan stakeholders sesuai dengan tanggung jawab masing-masing.

Corporate Governance Infrastructure

The implementation of corporate governance is performed, systematically and continuously by putting the principles of corporate governance as a reference in multiple business activities at BRI Agro. The implementation of corporate governance is demonstrated in the interaction of the whole Bank’s elements, where the main ones in BRI Agro governance structure consisting of the General Meeting of Shareholders (GMS), the Board of Commissioners, and Directors, with the highest position being the GMS.

To highlight the function of the foremost instruments in BRI Agro governance structure, the enforcement is assisted by the people consisting of Committees under the Board of Commissioners, and Corporate Secretary, Internal Audit (SKAI) and Directors’ Committees under the Board of Directors.

The Committees of the Board of Commissioners formed to assist and improve the oversight functions carried out by the Board of Commissioners, consist of:1. Audit Committee2. Risk Monitoring Committee3. Remuneration & Nomination Committee

The Board of Directors together with the Bank’s management are tasked with managing, controlling, and responsible for the implementation of governance in BRI Agro, assisted by the Corporate Secretary, Internal Audit (SKAI) and the Board of Directors, consisting of:1. Risk Management Committee2. Credit Committee3. ALCO Committee4. Information Technology Steering Committee5. Credit Policy Committee6. Credit Policy and Product Development Committee

Corporate Governance Soft Structure

In its implementation, BRI Agro has various policies/guidelines in carrying out its functions and tasks, which are labelled GCG soft structures.

The objectives of building a GCG soft structure include the following:1. Completing supporting policies in implementing GCG.2. Becoming a guideline for the Bank in carrying out daily activities

under the expected corporate culture.3. As a form of written commitment for all levels of the Bank’s

organisation to advance the discipline and responsibility of the Company’s components to safeguard the interests of stakeholders under their respective responsibilities.






Berikut adalah daftar kebijakan dan SOP yang dimiliki oleh BRI Agro:

Kebijakan/ SOPPolicy/SOP

Ditetapkan olehDetermined by

Keterangan (urutan berdasarkan data pembaruan/update)

Description(sequence based on data update/update)

Kebijakan Penerapan Tata Kelola Perusahaan yang Baik

Policy on the Implementation of Good Corporate Governance

Direksi dan disetujui Dewan Komisaris

Board of Directors and approved by the Board of Commissioners

1. Surat Keputusan No. 03/Dir.01.03 /KRH/XI/2011 tanggal 16 November 2011 tentang Kebijakan Good Corporate Governance (GCG).

2. (Update) Surat Keputusan No.Kpts B.32/Dir.01.03/KMRH/IX/2017 tanggal 28 September 2017 tentang Kebijakan Penerapan Tata Kelola Perusahaan Yang Baik

1. Decree No. 03/Dir.01.03/KRH/XI/2011 dated on November 16, 2011, concerning Good Corporate Governance (GCG) Policy.

2. (Update) Decree No.Kpts B.32/Dir.01.03/KMRH/IX/2017 dated on September 28, 2017, concerning the Policy of Implementing Good Corporate Governance

Pedoman Standar Perilaku Kode Etik (code of conduct)

Code of Conduct Standards (code of conduct)



1. Keputusan No. 03/Dir.01.03 /KRH/XI/2011 tanggal 16 November 2011 tentang Kebijakan Good Corporate Governance (GCG)

2. (Update) Lampiran dari Surat Keputusan No.Kpts B.32/Dir.01.03/ KMRH/ IX/2017 tanggal 28 September 2017

1. Decree No. 03/Dir.01.03/KRH/XI/2011 dated on November 16, 2011, concerning Good Corporate Governance (GCG) Policy

2. (Update) Attachment to Decree No.Kpts B.32/Dir.01.03/KMRH/IX/2017 dated on September 28, 2017

Visi, Misi dan Budaya Kerja Perusahaan

Vision, Mission and Corporate Work Culture



1. Surat Keputusan Direksi No.Kpts. 04/Dir.01.02/III/2011 tanggal 11 Maret 2011 perihal Visi & Misi dan Nilai Budaya Kerja

2. (Update) Surat Keputusan No.Kpts B.32/Dir.01.03/ KMRH/IX/2017 tanggal 28 September 2017 tentang Kebijakan Penerapan Tata Kelola Perusahaan Yang Baik.

1. Decree of the Board of Directors No.Kpts. 04/Dir.01.02/III/2011 dated on March 11, 2011 concerning Vision & Mission and Work Culture Values

2. (Update) Decree No.Kpts B.32/Dir.01.03/KMRH/IX/2017 dated on September 28, 2017 concerning the Policy on the Implementation of Good Corporate Governance.

The following is a list of policies and SOPs owned by BRI Agro:










Pedoman Kerja Dewan Komisaris & Organ Pendukung

Board of Commissioners Work Guidelines & Supporting Elements

Dewan Komisaris

Board of Commissioners

1. Surat Keputusan Dewan Komisaris No.Kpts. BB-76/16-XI/2011 tanggal 16 November 2011 tentang Pedoman Kerja Dewan Komisaris, Komite Audit, Komite Pemantau Risiko, Komite Remunerasi dan Nominasi dan Sekretaris Dewan Komisaris PT Bank Agroniaga Tbk.

2. Surat Keputusan Dewan Komisaris nomor SK/DK-78/7-XI/2013 tanggal 7 Nopember 2013 tentang Pedoman Kerja Dewan Komisaris dan Organiasi Pendukung BRI Agro

3. Surat Keputusan Dewan Komisaris nomor SK/DK-01/17-XII/2014 tanggal 17 Desember 2014 tentang Revisi Pedoman Kerja Dewan Komisaris, Komite Audit, Komite Pemantau Risiko dan Sekretaris Dewan Komisaris.

4. Surat Keputusan Dewan Komisaris No.Kpts.B.02/KOM/SKP/12/2019 tanggal 18 Desember 2019 tentang Pedoman Kerja Dewan Komisaris, Komite Audit, Komite Remunerasi dan Nominasi, Komite Pemantau Risiko dan Sekretaris Dewan Komisaris.

1. Decree of the Board of Commissioners No. Kpts. BB-76/16-XI / 2011 dated on November 16, 2011, concerning the Work Guidelines for the Board of Commissioners, Audit Committee, Risk Monitoring Committee, Remuneration and Nomination Committee, and Secretary of the Board of Commissioners of PT Bank Agroniaga Tbk

2. Decree of the Board of Commissioners number SK/DK-78/7-XI/2013 dated on November 7, 2013 concerning the Working Guidelines for the Board of Commissioners and BRI Agro Supporting Organizations

3. Decree of the Board of Commissioners number SK/DK-01/17-XII/2014 dated on December 17, 2014 concerning the Revision of the Work Guidelines for the Board of Commissioners, Audit Committee, Risk Monitoring Committee and Secretary of the Board of Commissioners.

4. Decree of the Board of Commissioners No.Kpts.B.02/KOM/SKP/12/2019 dated on December 18, 2019 concerning the Work Guidelines for the Board of Commissioners, Audit Committee, Remuneration and Nomination Committee, Risk Monitoring Committee and Secretary of the Board of Commissioners.

Pedoman dan Tata Kerja Direksi

Directors’ Guidelines and Work Procedures

Dewan Komisaris


Surat Keputusan Direksi No. Kpts.B.06/Dir.01.02/SKP/X/2018 tanggal 4 Oktober 2018 tentang Pedoman dan Tata Kerja Direksi PT Bank Rakyat Indonesia Agroniaga Tbk.

Decree of the Board of Directors No. Kpts.B.06/Dir.01.02/SKP/X/2018 dated on October 4, 2018, concerning the Guidelines and Working Procedures of the Directors of PT Bank Rakyat Indonesia Agroniaga Tbk.










Piagam Komite Audit

Committee Audit Charter

Dewan Komisaris



2. Surat Keputusan nomor SK/DK-78/7-XI/2013 tanggal 7 Nopember 2013 tentang Pedoman Kerja Dewan Komisaris dan Organisasi Pendukung BRI Agro

3. Surat Keputusan nomor SK/DK-01/17-XII/2014 tanggal 17 Desember 2014 tentang Revisi Pedoman Kerja Dewan Komisaris dan Organisasi Pendukung BRI Agro



2. Decree number SK/DK-78/7-XI/2013 dated on November 7, 2013, concerning the Working Guidelines for the Board of Commissioners and BRI Agro Supporting Organisations

3. Decree number SK/DK-01/17-XII/2014 dated on December 17, 2014, concerning the Revision of the Board of Commissioners and BRI Agro Supporting Work Guidelines

4. Decree of the Board of Commissioners No.Kpts.B.02/KOM/SKP/12/2019 dated on December 18, 2019 concerning the Work Guidelines for the Board of Commissioners, Audit Committee, Remuneration and Nomination Committee, Risk Monitoring Committee, and Secretary of the Board of Commissioners.










Piagam Komite Remunerasi & Nominasi

Remuneration & Nomination Committee Charter

Dewan Komisaris



2. Surat Keputusan nomor SK/DK-78/7-XI/2013 tanggal 7 Nopember 2013 tentang Pedoman Kerja Dewan Komisaris dan Organisasi Pendukung BRI Agro

3. Surat Keputusan nomor SK/DK-01/17-XII/2014 tanggal 17 Desember 2014 tentang Revisi Pedoman Kerja Dewan Komisaris dan Organisasi Pendukung BRI Agro



2. Decree number SK/DK-78/7-XI/2013 dated on November 7, 2013, concerning the Working Guidelines for the Board of Commissioners and BRI Agro Supporting Organizations

3. Decree number SK/DK-01/17-XII/2014 dated on December 17, 2014, concerning the Revision of the Board of Commissioners and BRI Agro Supporting Work Guidelines

4. Decree of the Board of Commissioners No.Kpts.B.02/KOM/SKP/12/2019 dated on December 18, 2019 concerning the Work Guidelines for the Board of Commissioners, Audit Committee, Remuneration and Nomination Committee, Risk Monitoring Committee, and Secretary of the Board of Commissioners.

Piagam Komite Pemantau Risiko

Risk Monitoring Committee Charter

Dewan Komisaris



2. Surat Keputusan nomor 90/SDK-XI/2014 tanggal 5 Nopember 2014 perihal Revisi Piagam Komite Pemantau Risiko.



2. Decree number 90/SDK-XI/2014 dated on November 5, 2014, concerning Revision of the Risk Monitoring Committee Charter.

3. Decree of the Board of Commissioners No.Kpts.B.02/KOM/SKP/12/2019 dated December 18, 2019 concerning the Working Guidelines for the Board of Commissioners, Audit Committee, Remuneration and Nomination Committee, Risk Monitoring Committee, and Secretary of the Board of Commissioners.










Piagam Audit Intern

Internal Audit Charter



1. SK Dir no 20/Dir.01.02/ SKAI/ VII/2013 tanggal 23 Juli 2013 tentang Piagam Audit Intern

2. (Revisi) Surat Keputusan No.Kpts B.38/DIR.01.02/ SKAI/01/2016 Revisi Piagam Audit 3. Surat Keputusan Direksi No.Kpts.R.78/Dir.01.02/SKAI/05/2019 tanggal 31 Mei

2019 tentang Piagam Audit Intern PT Bank Rakyat Indonesia Agroniaga Tbk.

1. Decree Dir No. 20 / Dir.01.02 / SKAI / VII / 2013 dated July 23, 2013 concerning Internal Audit Charter

2. (Revised) Decree No.Kpts B.38 / DIR.01.02 / SKAI / 01/2016 Revised Audit Charter3. Decree of the Board of Directors No.Kpts.R.78 / Dir.01.02 / SKAI / 05/2019

dated May 31, 2019 concerning the Internal Audit Charter of PT Bank Rakyat Indonesia Agroniaga Tbk.

Pedoman Operasional Kepatuhan

Compliance Operational Guidelines

Direksi

Board of Directors

1. Keputusan no 06/ Dir.01.03/KRH/I/ 2012 tanggal 31 Januari 2012 tentang Buku Prosedur Operasional Kepatuhan

2. (Update) Surat Keputusan No.Kpts B.35/DIR.01.02/ KMRH/09/2016 tanggal 20 September 2016 tentang Pedoman Operasional Kepatuhan

1. Decree No. 06/Dir.01.03/KRH/I/2012 dated on January 31, 2012, concerning the Compliance Operational Procedure Book

2. (Update) Decree No.Kpts B.35/DIR.01.02/KMRH/09/2016 dated on September 20, 2016, concerning Compliance Operational Guidelines

Pedoman Manajemen Risiko

Risk Management Guidelines



1. Surat Keputusan No.Kpts.06/ Dir.01.03/ KRH/XI/2011 tanggal 30 Nopember 2011 tentang Kebijakan Umum Manajemen Risiko

2. Surat Keputusan No.Kpts.14/Dir.01.02/KRH/XII/2013 tanggal 10 Desember 2013 tentang Revisi Kebijakan Umum Manajemen Risiko

3. Surat Keputusan No.Kpts. B.18/Dir.01.02/ KMRH/03/2017 tanggal 27 Maret 2017 tentang Kebijakan Umum Manajemen Risiko

1. Decree No.Kpts.06/Dir.01.03/KRH/XI/2011 dated on November 30, 2011, concerning General Risk Management Policies

2. Decree No.Kpts.14/Dir.01.02/KRH/XII/2013 dated on December 10, 2013, concerning Revision of the General Risk Management Policy

3. Decree No.Kpts. B.18/Dir.01.02/KMRH/03/2017 dated on March 27, 2017, concerning General Policy on Risk Management

Pedoman Benturan Kepentingan

Conflict of Interest Guidelines

Direksi dan Dewan Komisaris

Board of Directors and Board of Commissioners

Surat Keputusan Bersama Dewan Komisaris dan Direksi nomor 69/KOM/BRI Agro/VIII/2014 dan 19/Dir.01/KK/08/2014 tanggal 21 Agustus 2014 tentang Pemberlakuan Pedoman Umum Penanganan Benturan Kepentingan (conflict of interest) dan Surat Keputusan Bersama Dewan Komisaris dan Direksi nomor 09/KOM/BRI Agro/2/2014 dan 01/Dir.01/KMRH/2/2014 tanggal 3 Februari 2014 tentang Pedoman Umum Penanganan Benturan Kepentingan (conflict of interest)

Joint Decree of the Board of Commissioners and Directors number 69/KOM/BRI Agro/VIII/2014 and 19/Dir.01/KK/08/2014 dated on August 21, 2014, concerning the Application of General Guidelines for Handling Conflicts of Interest and Joint Decree Board of Commissioners and Directors number 09/KOM/BRI Agro/2/2014 and 01/Dir.01/KMRH/2/2014 dated on February 3, 2014, concerning General Guidelines for Handling Conflicts of Interest.

Pedoman Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU & PPT)

Guidelines for the Anti-Money Laundering and Terrorism Financing Prevention Program (APU & PPT)



1. Surat Keputusan No.Kpts B.33/Dir.01.02/KMRH/VI/2013 tanggal 26 Juni 2013 tentang Revisi Ketiga Pedoman Pelaksanaan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU & PPT)

2. Surat Keputusan No.Kpts B.23/Dir.01.02/ KMRH/09/2017 tanggal 20 September 2017 tentang Pedoman Pelaksanaan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU & PPT) .

1. Decree No. Kpts B.33/Dir.01.02/KMRH/VI/2013 dated on June 26, 2013, concerning the Third Revision of the Guidelines for the Implementation of Anti-Money Laundering and Prevention of Terrorism Funding Programs (APU & PPT)

2. Decree No. Kpts B.23/Dir.01.02/KMRH/09/2017 dated on September 20, 2017, concerning Guidelines for Implementing Anti-Money Laundering and Preventing Terrorism Financing (AML & CFT) Programs.










Pedoman Pengelolaan Gratifikasi

Guidelines for Gratification Management



1. Surat Keputusan Bersama Dewan Komisaris dan Direksi nomor 09/KOM/BRI Agro/2/2014 dan 01/Dir.01/KMRH/2/2014 tanggal 3 Februari 2014 tentang Pedoman Umum Penanganan Benturan Kepentingan (conflict of interest)

2. Surat Keputusan Bersama Dewan Komisaris dan Direksi nomor 69/KOM/BRI Agro/ VIII/2014 dan 19/Dir.01/ KK/08/2014 tanggal 21 Agustus 2014 tentang Pemberlakuan Pedoman Umum Penanganan Benturan Kepentingan (conflict of interest)

3. Surat Keputusan Direksi No. Kpts.: B.25/DIR.01.02/ SKAI/10/2016 tanggal 30 Oktober 2016 tentang revisi Sistem Pelaporan Pelanggaran (Whistleblowing System).

1. Joint Decree of the Board of Commissioners and Directors number 09/KOM/BRI Agro/2/2014 and 01/Dir.01/KMRH/2/2014 dated on February 3, 2014, concerning General Guidelines for Handling Conflicts of Interest

2. Joint Decree of the Board of Commissioners and Directors number 69/KOM/BRI Agro/VIII/2014 and 19/Dir.01/KK/08/2014 dated on August 21, 2014, concerning the Application of General Guidelines for Handling Conflicts of Interest

3. Directors Decree No. Kpts.: B.25/DIR.01.02/SKAI/10/2016 dated on October 30, 2016, concerning the revision of the Whistleblowing System.

Pedoman sistem Pelaporan Pelanggaran (Whistleblowing System)

Guidelines for the Whistleblowing System



1. Surat Keputusan Direksi No. Kpts. No. 01/Dir.02.04/ SKAI/VI/2012 tanggal 4 Juni 2012 tentang pedoman Sistem Pelaporan Pelanggaran (whisleblowing system)

2. (Revisi) Surat Keputusan Direksi No. Kpts.: B.25/ DIR.01.02/ SKAI/10/2016 tanggal 30 Oktober 2016 tentang revisi Sistem Pelaporan Pelanggaran (Whistleblowing System).

1. Directors Decree No. Kpts. No. 01/Dir.02.04/SKAI/VI/2012 dated on June 4, 2012, concerning the guidelines of the Violation Reporting System (whisleblowing system)

2. (revised) Directors Decree No. Kpts.: B.25/DIR.01.02/SKAI/10/2016 dated on October 30, 2016, concerning the revision of the Whistleblowing System.

Petunjuk Pelaksanaan Pengadaan Barang dan Jasa

Implementation Guidelines for Procurement of Goods and Services

Direksi

Board of Directors

1. Surat Keputusan Direksi No. Kpts B.301A/Dir.01.05/ OPS/03/2015 tentang Revisi Ketiga Pedoman Pengadaan Barang dan Jasa tanggal 31 Maret 2015.

2. Surat Keputusan Direksi No. Kpts.B. 25/Dir.03.04/CMG/04/2019 tentang Pedoman Pengadaan Barang dan Jasa (Revisi) tanggal 29 April 2019

1. Decree of the Board of Directors No. Kpts B.301A/Dir.01.05/OPS/03/2015 concerning the Third Revision of the Guidelines for Procurement of Goods and Services dated March 31, 2015.

2. Decree of the Board of Directors No. Kpts.B. 25/Dir.03.04/CMG/04/2019 about Guidelines for Procurement of Goods and Services (Revised) April 29, 2019

Pedoman Komite Manajemen Risiko

Risk Management Committee Guidelines

Direksi

Board of Directors

Surat Keputusan Direksi No. Kpts B. 14A/Dir.01.02/ KMRH/09/2016 tanggal 09 September 2016 tentang Komite Manajemen Risiko (Risk Management Committee).

Decree of the Board of Directors No. Kpts B. 14A/Dir.01.02/KMRH/09/2016 dated on September 9, 2016 concerning the Risk Management Committee.

Pedoman Komite Kebijakan Perkreditan

Credit Policy Committee Guidelines

Direksi

Board of Directors

Surat Keputusan Direksi No. Kpts B.08/Dir.01.05/ DCM/12/2016 tanggal 7 Desember 2016 tentang Komite Kebijakan Perkreditan

Decree of the Board of Directors No. Kpts B.08/Dir.01.05/DCM/12/2016 datedd on December 7, 2016, concerning Credit Policy Committee










Pedoman Komite Kebijakan Kredit & Pengembangan Produk

Credit Policy & Product Development Committee Guidelines

Direksi

Board of Directors

1. Surat Keputusan Direksi No. Kpts : B.40/Dir.01.05/DCM/XI/2017 tanggal 30 November 2017 Tentang Komite Kebijakan Kredit dan Pengembangan Produk (K3P2)

2. Surat Keputusan Direksi No. Kpts. B.22/Dir.04.05/DCM/02/2018 tanggal 22 Februari 2018 tentang Revisi Komite Kebijakan Perkreditan dan Pengembangan Produk (K3P2)

1. Directors Decree No. Kpts: B.40/Dir.01.05/DCM/XI/2017 dated on November 30, 2017, Regarding the Credit Policy and Product Development Committee (K3P2)

2. Decree of the Board of Directors No. Kpts. B.22/Dir.04.05/DCM/02/2018 dated on February 22, 2018 concerning the Revision of the Credit Policy and Product Development Committee (K3P2)

Pedoman Komite Kredit

Loan Committee Guidelines

Direksi

Board of Directors

1. Surat Keputusan Direksi no Kpts B.46/Dir.01.05/DCM/X/2017 tentang Komite Kredit tanggal 27 Oktober 2017

2. Surat Keputusan Direksi No Kpts B.14A/Dir.01.05/DCM/04/2018 tentang Komite Kredit tanggal 23 Oktober 2018

1. Decree of the Board of Directors no Kpts B.46/Dir.01.05/DCM/X/2017 concerning the Credit Committee dated on October 27, 2017

2. 2. Decree of the Board of Directors No. Kpts B.14A/Dir.01.05/DCM/04/2018 concerning Credit Committee dated on October 23, 2018

Komite ALCO

ALCO Committee

Direksi

Board of Directors

Keputusan Direksi nomor B.22/Dir.01.03/DCM/10/2016 tanggal 27 Oktober 2016 perihal Organisasi dan Tata Kerja Asset And Liability Committee (ALCO).

Decree of the Board of Directors number B.22/Dir.01.03/DCM/10/2016 dated on October 27, 2016 concerning the Organization and Work Procedures of the Asset And Liability Committee (ALCO).

Komite Pengarah Teknologi Informasi

Information Technology Steering Committee

Direksi

Board of Directors

1. Surat Keputusan Direksi no Kpts. 077/Dir.02.03/III/2009 tanggal 19 Maret 2009 tentang Revisi Komite Pengarah Teknologi Informasi.

2. (Revisi 3) Surat Keputusan Direksi No.Kpts 19/Dir.01.05/TSI/III/2013 tanggal 28 Maret 2013, perihal Revisi Ketiga Komite Pengarah Teknologi Sistem Informasi

1. Directors Decree no. 077/Dir.02.03/III/2009 dated on March 19, 2009, concerning Revision of the Information Technology Steering Committee.

2. (revision 3) Board of Directors Decree No.Kpts 19/Dir.01.05/TSI/III/2013 dated on March 28, 2013, concerning the Third Revision of the Information Systems Technology Steering Committee,

Pedoman Aktivitas Hubungan Investor

Investor Relations Activity Guidelines

Direksi

Board of Directors

Surat No B.04/Dir.01.02/SKP/12/2014 tanggal 16 Desember 2014, tentang kebijakan pelayanan dan pengelolaan informasi PT Bank Rakyat Indonesia Agroniaga Tbk.

Letter No. B.04/Dir.01.02/SKP/12/2014 dated on December 16, 2014, regarding the policy on service and information management of PT Bank Rakyat Indonesia Agroniaga Tbk.

Pedoman Penyusunan Rencana Bisnis Bank

Guidelines for Preparation of Bank Business Plans

Direksi

Board of Directors

Pedoman Penyusunan RBB sesuai dengan Keputusan Direksi No Kpts. 15-Dir.01.05/OPS/03/2015, tanggal 17 Maret 2015 perihal: Petunjuk Pelaksanaan Penyusunan Rencana Bisnis Bank.

Guidelines for the Preparation of RBB in accordance with Directors Decree No Kpts. 15-Dir.01.05/OPS/03/2015 dated on March 17, 2015, concerning: Guidelines for Implementing a Bank Business Plan.










Pedoman Pengelolaan Kebijakan Akuntansi

Guidelines for Managing Accounting Policies

Direksi

Board of Directors

Surat Keputusan No. Kpts 22A/Dir.02.04/AMK/VII/2011 tanggal 15 Juli 2011, tentang Revisi sistem operasional dan prosedur (SOP) berdasarkan Pernyataan Standar Akuntansi Keuangan (PSAK 50& 55).

Decree No. Kpts 22A/Dir.02.04/AMK/VII/2011 dated on July 15, 2011, concerning the revision of operational systems and procedures (SOP) based on the Statement of Financial Accounting Standards (PSAK 50 & 55).

Pedoman Kepegawaian Tentang Tata Tertib Pekerja

Employment Guidelines Regarding Workers’ Regulations

Direksi

Board of Directors

1. Surat Keputusan Direksi No. Kpts 14/Dir.02.04/MSDM/ VII/2012 tanggal 31 Juli 2012 tentang Peraturan Disiplin.

2. SK Direksi No. Kpts. R.25/Dir.01.02/MSDM/XI/2015 tanggal 18 November 2015 tentang Ralat Ketentuan Proses Pemberian Hukuman Disiplin;

3. SK Direksi No. Kpts. 57/Dir.01.02/MSDM/XII/2015 tanggal 31 Desember 2015 tentang Pengaturan Kembali Mengenai Tindakan Atas Pelanggaran Disiplin Kategori Ringan Beserta Implikasinya dan Matriks Tata Tertib Hukuman Disiplin.

1. Decree of the Board of Directors No. Kpts 14/Dir.02.04/MSDM/VII/ 2012 dated on July 31, 2012, concerning Disciplinary Regulations.

2. Decree of the Board of Directors No. Kpts. R.25/Dir.01.02/MSDM/XI/2015 dated on November 18, 2015, concerning Revision of Disciplinary Regulation Process.

3. Decree of the Board of Directors No. Kpts. 57/Dir.01.02/MSDM/XII/2015 dated on December 31, 2015, concerning of Re-Regulation of Low Category Disciplinary Violation and Its Implication and Disciplinary Working Procedure Matrix.

Pedoman Kepegawaian tentang Penilaian Kinerja Pekerja

Staffing Manual on Appraisal of Worker Performance

Direksi

Board of Directors

1. Surat Keputusan Direksi no Kpts 01/Dir.01.03/I/2005 tanggal 31 Januari 2005 tentang Pedoman Pelaksanaan Penilaian Kinerja Pekerja

2. (Update) SK Direksi No. Kpts. 16/DIr.01.02/01/2014 tanggal 30 Januari 2014 tentang Pengaturan Kembali Kualifikasi Akhir Penilaian Kinerja Pekerja dan Penggunaan Hasil Penilaian untuk Reward Pekerja.

1. Decree of the Board of Directors no Kpts 01/Dir.01.03/I/2005 dated on January 31, 2005, concerning Guidelines for Implementing Worker Performance Evaluation

2. (Updated) Decree of the Board of Directors No. Kpts. 16/DIr.01.02/01/2014 dated on January 30, 2014, concerning Rearrangement of the Final Qualification of Worker Performance Assessment and Use of Assessment Results for Employee Reward.

Mekanisme Tata Kelola Perusahaan

Komitmen Perseroan atas Tata Kelola Perusahaan yang baik dituangkan dalam soft structure berupa kebijakan dan prosedur operasional yang terkait GCG senantiasa di terapkan dalam kegiatan sehari-hari dan selalu di-review secara periodik seperti yang ada dalam tabel diatas. Komitmen berupa kebijakan tersebut dikomunikasikan kepada seluruh elemen dan masing-masing tingkatan dalam organisasi Bank untuk dijadikan acuan/landasan dalam menerapkan prinsip-prinsip GCG dalam Perseroan.

Corporate Governance Mechanism

The Company’s commitment toward good corporate governance is declared within the soft structure in the form of operational policies and procedures related to GCG, which are constantly applied in regular motions and are reviewed periodically as shown in the aforementioned table. The commitment in the form of such policy is communicated to the entire elements and each level in the Bank’s organisation to be used as a reference/basis in implementing GCG principles in the Company.






Rapat Umum Pemegang Saham (RUPS) merupakan organ Perseroan tertinggi yang mempunyai hak dan kewenangan yang tidak dimiliki Direksi dan Dewan Komisaris dalam batasan yang ditentukan dalam ketentuan peraturan perundangan dan Anggaran Dasar BRI Agro.

RUPS merupakan media komunikasi antara Direksi dan Dewan Komisaris dengan para pemegang saham melalui kesempatan tanya jawab yang diberikan kepada seluruh pemegang saham yang hadir pada setiap mata acara RUPS.

Penyelenggaraan RUPS Perseroan dilakukan dengan mengacu pada ketentuan antara lain: 1. Undang-Undang No. 40 tahun 2007 tentang Perseroan Terbatas. 2. Peraturan OJK No. 32/POJK.04/2014 tanggal 8 Desember 2014

tentang Rencana dan Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan Terbuka sebagaimana telah diubah dengan Peraturan OJK No. 10/POJK.04/2017 tanggal 14 Maret 2017.

3. Anggaran Dasar BRI Agro terakhir yang dituangkan dalam Akta Pernyataan Keputusan Rapat No. 23 tanggal 08 Mei 2019, Notaris M. Nova Faisal, S.H., M.Kn,. Perubahan ini telah disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dan terdaftar pada Keputusan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia Nomor AHU-0024948.AH.01.02.Tahun 2019 tanggal 10 Mei 2019

Jenis RUPS

Di dalam Perubahan Anggaran Dasar Perseroan tanggal 8 Mei 2019, dijelaskan adanya 2 (dua) jenis RUPS Perseroan:

1. RUPS Tahunan RUPS ini dilaksanakan paling lambat 6 (enam) bulan setelah

berakhirnya tahun buku. Agenda utama RUPS Tahunan terdiri dari pengajuan Laporan Keuangan dan Laporan Tahunan dari Direksi untuk disahkan dan disetujui oleh Pemegang Saham, melakukan penunjukan Kantor Akuntan Publik untuk tahun depan, memutuskan penggunaan laba, mengangkat atau memberhentikan anggota Direksi atau anggota Dewan Komsaris dan memutuskan hal-hal lain yang diperlukan.

2. RUPS Luar Biasa Pelaksanaan RUPS Luar biasa dapat diselenggarakan kapan

saja sesuai keperluan Perseroan oleh Direksi ataupun Dewan Komisaris, atas permintaan dari Pemegang Saham.

The General Meeting of Shareholders (GMS) is the most chief medium of the Company that has rights and authority not controlled by the Directors and the Board of Commissioners within the limits specified in the statutory provisions and BRI Agro Articles of Association.

The GMS is a message medium among the Directors, the Board of Commissioners and the shareholders through the question and answer opportunity given to all shareholders present at each GMS agenda.

The Company’s General Meeting of Shareholders is conducted concerning the following provisions:1. Law No. 40 of 2007 concerning Limited Liability Companies.2. FSA Regulation No. 32/POJK.04/2014 dated on December 8,

2014, concerning the Plans and Organisation of General Meeting of Shareholders of Public Companies as amended by FSA Regulation No. 10/POJK.04/2017 dated on March 14, 2017.

3. The latest Articles of Association of BRI Agro as outlined in the Deed of Meeting Decree No. 23 dated on May 8, 2019, Notary M. Nova Faisal, S.H., M.Kn. This amendment was approved by the Minister of Law and Human Rights of the Republic of Indonesia and enrolled with the Decree of the Minister of Law and Human Rights of the Republic of Indonesia Number AHU-0024948.AH.01.02.T 2019 dated on May 10, 2019.

Types of GMS

Within the Amendment to the Company’s Articles of Association dated on May 8, 2019, it was expounded that there were 2 (two) models of the Company’s AGM:1. Annual GMS This GMS is held no later than 6 (six) months after the end of

the financial year. The foremost agendum of the Annual GMS consists of submitting Financial Statements and Annual Reports from the Directors to be approved and licensed by the Shareholders, making a Public Accountant Office for next year, deciding on the use of profits, appointing or dismissing members of the Board of Directors or members of the Board of Commissioners, and deciding on other required matters.

2. Extraordinary GMS The implementation of the Extraordinary GMS can be held at

any time according to the demands of the Company by the Directors or the Board of Commissioners, at the request of the Shareholders.

RAPAT UMUM PEMEGANG SAHAM (RUPS) GENERAL MEETING OF SHAREHOLDERS (GMS)






Wewenang RUPS

RUPS mempunyai wewenang yang tidak diberikan kepada Direksi atau Dewan Komisaris, dalam batas yang ditentukan dalam Undang-Undang UU 40 tahun 2007 tentang Perseroan Terbatas dan/atau anggaran dasar Perseroan.

Wewenang RUPS antara lain adalah :1. Mengevaluasi kinerja Dewan Komisaris dan Direksi

2. Mengesahkan perubahan Anggaran Dasar3. Memberikan persetujuan atas Laporan Direksi, Laporan Tugas

Pengawasan Dewan Komisaris serta Laporan Keuangan Perseroan,

4. Menetapkan alokasi penggunaan laba, 5. Menunjuk dan menetapkan biaya jasa akuntan publik,

6. Menetapkan jumlah dan jenis kompensasi serta fasilitas pengurus

7. Menyetujui Laporan Tahunan termasuk Laporan Keuangan Perseroan dan Laporan Tugas Pengawasan Dewan Komisaris Perseroan serta memberikan pelunasan dan pembebasan tanggung jawab (acquit et decharge) kepada anggota Direksi dan Dewan Komisaris atas tindakan pengurusan dan pengawasan yang telah dilakukannya masing-masing.

8. Memberi kuasa dan wewenang kepada Direksi untuk menentukan dan membayar dividen final.

9. Mengambil keputusan-keputusan menyangkut struktur organisasi misalnya perubahan Anggaran Dasar, penggabungan, peleburan, pemisahan, pembubaran dan likuidasi Perseroan. Mengangkat dan/atau mengubah susunan anggota Direksi dan Dewan Komisaris.

10. Memutuskan remunerasi yakni: penetapan gaji, tunjangan lain serta honorarium Direksi dan Dewan Komisaris Perseroan.

11. Memberi persetujuan terhadap transaksi yang mengandung benturan kepentingan.

12. Memberikan kuasa dan kewenangan kepada Dewan Komisaris untuk menunjuk Kantor Akuntan Publik (KAP) dengan memperhatikan rekomendasi dari Komite Audit.

Hak Pemegang Saham

1. Berdasarkan Anggaran Dasar Perseroan Pasal 19 ayat 5 Pemegang saham dapat melakukan permintaan penyelenggaraan RUPS

2. Berdasarkan Anggaran Dasar Perseroan Pasal 22 ayat 9 butir h pada saat pelaksanaan RUPS, pemegang saham berhak memperoleh informasi mata acara rapat dan bahan terkait mata acara rapat sepanjang tidak bertentangan dengan kepentingan Perseroan

3. Menerima dividen saham dengan syarat dan ketentuan sesuai dengan keputusan RUPS.

Authority of GMS

The GMS has the authority not given to the Directors or the Board of Commissioners, within the limits specified in Act 40 of 2007 concerning Limited Liability Companies and/or the Company’s articles of association.

The authority of the GMS includes:1. Evaluating the performance of the Board of Commissioners

and Directors.2. Approving changes to the Articles of Association.3. Approving the Directors’ Report, the Board of Commissioners

Supervisory Report, and the Company’s Financial Statements.

4. Determining the allocation of the use of profits.5. Appointing and stipulating the cost of public accountant

services.6. Determining the amount and type of compensation and

management facilities.7. Approving the Annual Report including the Company’s Financial

Statements and the Supervisory Report of the Board of Commissioners of the Company and rendering compensation and acquittals (acquit et de charge) to members of the Board of Directors and the Board of Commissioners for the management and supervisory actions that they have done, respectively.

8. Giving power and authority to the Directors to determine and pay dividends.

9. Making decisions concerning the organisational structure, for instance: amendments to the Articles of Association, incorporation, consolidation, separation, and liquidation of the Company. Appointing and/or changing the composition of the Directors and Board of Commissioners.

10. Deciding on remuneration, specifically: determination of salaries, other benefits and honorarium for the Directors and Board of Commissioners of the Company.

11. Approving transactions that contain conflicts of interest.

12. Giving power and authority to the Board of Commissioners to appoint a Public Accounting Firm (KAP) concerning recommendations from the Audit Committee.

Rights of the Shareholders

1. Based on the Articles of Association of the Company Article 19 paragraph 5 Shareholders can make requests to hold a GMS.

2. Based on the Company’s Articles of Association Article 22 paragraph 9 point h at the time of the GMS, shareholders are entitled to obtain information on the agenda of the meeting and materials related to the agenda as long as it does not conflict with the interests of the Company.

3. Receiving stock dividends on terms and conditions under the resolution of the GMS.






4. Ikut berpartisipasi dalam mengambil keputusan di dalam RUPS berdasarkan dengan syarat dan ketentuan yang berlaku dan Tata Tertib RUPS.

5. Menerima informasi mengenai Tata Tertib RUPS dan prosedur voting di dalam RUPS.

Tata Cara Penyelenggaraan RUPS

1. Rapat Umum Pemegang Saham Luar Biasa (selanjutnya disebut “Rapat”) akan diselenggarakan dalam Bahasa Indonesia.

2. Sesuai ketentuan pasal 23 ayat 1 butir a Anggaran Dasar Perseroan, maka Rapat akan dipimpin oleh seorang Anggota Dewan Komisaris yang ditunjuk oleh Dewan Komisaris Perseroan.

3. Ketentuan mengenai Korum Rapat diatur pada Anggaran Dasar Perseroan pasal 24

4. Semua acara Rapat dibahas dan dibicarakan secara berkesinambungan.

5. Setelah selesai membicarakan setiap acara Rapat, Pemimpin Rapat akan memberikan kesempatan kepada para pemegang saham atau kuasanya untuk mengajukan pertanyaan, pendapat, usul atau saran sebelum diadakan pemungutan suara mengenai hal yang berhubungan dengan acara Rapat yang dibicarakan;

6. Yang berhak mengajukan pertanyaan dan/atau pendapat dalam Rapat hanyalah para pemegang saham Perseroan atau kuasanya yang sah yang namanya tercatat dalam Daftar Pemegang Saham Perseroan sehari sebelum tanggal Pemanggilan RUPS.

7. Pertanyaan a) Para pemegang saham yang ingin mengajukan pertanyaan,

dipersilahkan untuk mengangkat tangan dan mengisi formulir pertanyaan yang telah dibagikan. Petugas akan mengumpulkan formulir yang sudah diisi oleh penanya, yang mencantumkan nama, jumlah saham yang dimiliki atau diwakili dan pertanyaan yang diajukan

b) Setelah penanya mengajukan pertanyaan melalui formulir, Pemimpin Rapat akan menjawab atau menanggapinya.

c) Pertanyaan yang akan dijawab adalah pertanyaan yang berkaitan langsung dengan acara Rapat.

8. Hak Suara a) Hanya para pemegang saham Perseroan yang namanya

tercatat dalam Daftar Pemegang Saham Perseroan satu hari sebelum tanggal Panggilan atau kuasanya yang berhak untuk mengeluarkan suara.

b) Tiap-tiap saham memberikan hak kepada pemegangnya untuk mengeluarkan 1 (satu) suara.

9. Keputusan Rapat dilakukan dengan cara musyawarah untuk mufakat, apabila musyawarah untuk mufakat tidak tercapai, maka dilakukan pemungutan suara.

4. Participating in making decisions at the GMS based on the applicable terms and conditions and the GMS Rules.

5. Gaining information regarding the GMS Rules and voting procedures in the GMS.

Procedures for Holding a GMS

1. Extraordinary General Meeting of Shareholders (hereinafter referred to as “Meeting”) will be held in Indonesian.

2. By Article 23 paragraph 1 point a of the Company’s Articles of Association, the Meeting will be chaired by a Member of the Board of Commissioners appointed by the Company’s Board of Commissioners.

3. Provisions regarding the Meeting Minutes shall be regulated in Article 24 of the Company’s Articles of Association.

4. All meetings are discussed and discussed on an ongoing basis.

5. After having finished discussing each meeting, the Chairperson of the Meeting will provide an opportunity for shareholders or their proxies to submit questions, opinions, proposals, or suggestions before voting on matters relating to the meeting discussed;

6. Those authorised to submit questions and/or opinions at the Meeting are only the shareholders of the Company or their legal proxies whose names are recorded in the Register of Shareholders of the Company the day before the GMS Summons.

7. Questionsa) Shareholders who want to ask questions are welcome to

raise their hands and fill out the question form that has been distributed. The clerk will collect the form that has been filled out by the questioner, which includes the name, several shares owned or represented and questions asked

b) After the questioner has asked questions through the form, the Chairperson will answer or respond.

c) Questions to be answered are questions that are directly related to the Meeting.

8. Voting Rightsa) Only the Company’s shareholders whose names are

recorded in the Register of Shareholders of the Company one day before the date of the Call or their attorney are entitled to vote.

b) Each share gives the holder the right to issue 1 (one) vote.

9. Meeting Decisions are made by deliberation to reach consensus, if deliberations for consensus are not reached, then a vote will be held.






Pelaksanaan RUPS Tahun 2019

Sepanjang tahun 2019, BRI Agro telah menyelenggarakan 4 (empat) kali RUPS; RUPS Tahunan dan 3 (tiga) kali RUPS Luar Biasa. Berikut penjelasan mengenai masing-masing pelaksanaan RUPS di BRI Agro sepanjang tahun 2019.

RUPS Luar Biasa PertamaDiselenggarakan pada hari Rabu tanggal 23 Januari 2019, bertempat di Ruang Serbaguna Gedung BRI AGRO lantai 3, jalan warung Jati Barat nomor 139, Jakarta Selatan. Dihadiri oleh 93,92% pemegang saham, Profesi Penunjang dan anggota Dewan Komisaris dan Direksi sebagai berikut:

1. Anggota Direksi dan Dewan Komisaris sebagai berikut:

Dewan KomisarisBoard of Commissioners

DireksiBoard of Directors

Komisaris IndependenIndependent Commissioner

Heru Sukanto Direktur UtamaPresident Director

Agus Noorsanto


Anna Maria Tjiadarma Direktur Pengendalian Risiko Kredit & PendanaanDirector of Credit Risk Control & Funding

Ebeneser Girsang

KomisarisCommissioner

Edwind Sinaga *) Direktur KepatuhanDirector of Compliance

Herry Prayudi

Direktur BisnisDirector Business

Bambang Krisminarno

*) Efektif setelah mendapat persetujuan penilaian kemampuan dan kepatutan

OJK.

2. R. Sophia Alizsa perwakilan dari PT Bank Rakyat Indonesia (Persero) Tbk

3. Viviana Dyah Ayu Retno Kumalasari perwakilan dari PT Bank Rakyat Indonesia (Persero) Tbk

4. Roni Hanityo Aprianto perwakilan dari DAPENBUN5. Yuni Hardian perwakilan dari DAPENBUN6. M. Nova Faisal, SH., M.Kn sebagai Notaris7. Ester Agung Setiawati perwakilan dari Biro Admnistrasi Efek

PT Datindo Entrycom 8. Reinaldy SH, perwakilan dari Konsultan Hukum Ertiga

The 2019 GMS Implementation

Throughout 2019, BRI Agro held 4 (four) RUPS meetings; Annual GMS and 3 (three) Extraordinary GMS. The following is an explanation of each AGMS held at BRI Agro throughout 2019.

First Extraordinary GMSHeld on Wednesday, January 23, 2019, located in the Multipurpose Room of BRI AGRO Building, 3rd floor, Jalan Jati Jati Barat number 139, South Jakarta. Attended by 93.92% shareholders, Supporting Professionals and members of the Board of Commissioners and Directors as follows:

1. Members of the Board of Directors and Board of Commissioners as follows:

*) Effective after having obtained the fit and proper test from FSA

2. R. Sophia Alizsa, representative from PT Bank Rakyat Indonesia (Persero) Tbk

3. Viviana Dyah Ayu Retno Kumalasari, representative from PT Bank Rakyat Indonesia (Persero) Tbk

4. Roni Hanityo Aprianto, representative of DAPENBUN5. Yuni Hardian, representative from DAPENBUN6. M. Nova Faisal, SH., M.Kn as a Notary7. Ester Agung Setiawati, representative from the Securities

Administration Bureau of PT Datindo Entryco8. Reinaldy SH, representative from Ertiga Legal Consultant






PemberitahuanNotification

PengumumanAnnouncement

PemanggilanSummoning

PelaksanaanEnforcement

Hasil dan KeputusanResults and Verdicts

BRI Agro telah menyampaikan pemberitahuan mata acara RUPS LB kepada OJK pada tanggal 22 Oktober 2018 sebagaimana dalam surat nomor B.34/Dir.01.05/SKP/X/2018

BRI Agro has submitted the notification of the agenda of the General Meeting of Shareholders to FSA on October 22, 2018 as in letter number B.34/Dir.01.05/SKP/X/2018

BRI Agro telah mengumumkan RUPS LB di harian Investor Daily pada tanggal 1 November 2018 dan website Perseroan dan Web Bursa Efek

BRI Agro announced the General Meeting of Shareholders at the Investor Daily on November 1, 2018 and the Company’s website and the Stock Exchange Web site

BRI Agro telah melakukan pemanggilan untuk RUPS LB pada harian Investor Daily tanggal 16 November 2018 dan website Perseroan

BRI Agro has called for the EGMS at the Investor Daily on November 16, 2018 and the Company’s website

BRI Agro melangsungkan RUPS LB pada hari Rabu, tanggal 23 Januari 2019 bertempat di Ruang Serbaguna Gedung BRI AGRO lantai 3, jalan warung Jati Barat nomor 139, Jakarta Selatan

BRI Agro held an EGMS on Wednesday, January 23, 2019 at the Serbaguna Room at BRI AGRO Building, 3rd floor, Jalan Jati Stalls number 139, South Jakarta

Ringkasan Risalah RUPS LB telah diumumkan pada harian Investor Daily tanggal 25 Januari 2019 dan melalui website Perseroan.

Summary of Minutes of LB General Meeting of Shareholders has been announced in Investor Daily on January 25, 2019 and through the Company’s website.

Pemberitahuan Perubahan

Notification of Changes

Pengumuman Perubahan

Announcement of Changes

Penyampaian perubahan tanggal rapat kepada OJK sesuai surat nomor B.06/Dir.02/SKP/12/2018 tanggal 5 Desember 2018

Submission of changes to meeting date to FSA according to letter number B.06/Dir.02/SKP/12/2018 dated on December 5, 2018

BRI Agro telah mengumumkan Perubahan tanggal RUPS LB di harian Investor Daily pada tanggal 5 Desember 2018 dan website Perseroan dan Web Bursa Efek

BRI Agro has announced the Amendment to the date of the EGMS in the Investor Daily on December 5, 2018 and the Company’s website and the Stock Exchange Web






Hasil Keputusan RUPS Luar Biasa Pertama

Mata Acara RapatAgenda

Perubahan Susunan Pengurus PerseroanChanges in the composition of the Company’s Management

Pengambilan KeputusanDecision-making

Dilaksanakan dengan cara musyawarah untuk mufakat Conducted by deliberation to reach consensus

Keputusan RapatMeeting Decision

1. Memberhentikan dengan hormat ZAINUDDIN MAPPA sebagai Direktur Operasional dan Keuangan Perseroan, terhitung sejak penutupan Rapat, dengan ucapan terima kasih atas sumbangan tenaga, pikiran dan kontribusi yang diberikan selama menjabat.

2. Mengangkat:a. AHDI JUMHARI LUDDIN sebagai Komisaris Utama Perseroan, danb. ERNAWAN sebagai Direktur Operasional dan Keuangan Perseroan

Keduanya terhitung sejak penutupan Rapat sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan 2023 dengan tetap memperhatikan perundang-undangan yang berlaku, dan tanpa mengurangi hak Rapat Umum Pegang Saham untuk memberhentikan sewaktu-waktu.

Pengangkatan AHDI JUMHARI LUDDIN sebagai Komisaris Utama dan ERNAWAN sebagai Direktur Operasional dan Keuangan tersebut, berlaku efektif sejak dinyatakan lulus dalam penilaian kemampuan dan kepatutan (fit & proper test) yang dilaksanakan oleh Otoritas Jasa Keuangan (OJK).

Dengan demikian, maka susunan anggota Dewan Komisaris dan anggota Direksi Perseroan berubah menjadi sebagai berikut:

Dewan KomisarisKomisaris Utama : Ahdi Jumhari Luddin *)Komisaris Independen : Heru SukantoKomisaris Independen : Anna Maria TjiadarmaKomisaris : Edwind Sinaga*)

DireksiDirektur Utama : Agus NoorsantoDirektur Pengendalian Risiko Kredit & Pendanaan : Ebeneser Girsang Direktur Kepatuhan : Herry Prayudi Direktur Bisnis : Bambang Krisminarno Direktur Operasional & Keuangan : Ernawan*)

*) berlaku efektif sejak dinyatakan lulus dalam penilaian kemampuan dan kepatutan (fit & proper test) yang dilaksanakan oleh Otoritas Jasa Keuangan (OJK).

3. Memberikan kuasa dan wewenang kepada Direksi dengan hak substitusi untuk melakukan segala tindakan yang diperlukan berkaitan dengan keputusan Agenda ini sesuai dengan ketentuan yang berlaku, termasuk untuk menyatakan dalam Akta Notaris tersendiri dan meberitahukan susunan Dewan Komisaris dan Direksi kepada Kementerian Hukum dan HAM.

The Results of the First Extraordinary GMS






Mata Acara RapatAgenda

Perubahan Susunan Pengurus PerseroanChanges in the composition of the Company’s Management


Dilaksanakan dengan cara musyawarah untuk mufakat Conducted by deliberation to reach consensus

1. Respectfully dismissing ZAINUDDIN MAPPA as Director of Operations and Finance of the Company, effective from the close of the Meeting, with gratitude for the contribution of energy, thoughts, and contributions made during his tenure.

2. Appointing:a. AHDI JUMHARI LUDDIN as President Commissioner of the Company, andb. ERNAWAN as Director of Operations and Finance of the Company

Both are effective from the close of the Meeting until the close of the 2023 Annual General Meeting of Shareholders while taking into account applicable laws, and without prejudice to the right of the General Meeting of Shareholders to dismiss at any time.

The appointment of AHDI JUMHARI LUDDIN as President Commissioner and ERNAWAN as Director of Operations and Finance, has been effective since it was declared to have passed the fit and proper test conducted by the Financial Services Authority.

Accordingly, the composition of the members of the Board of Commissioners and the Board of Directors of the Company has changed to be as follows:

Board of CommissionersPresident Commissioner: Ahdi Jumhari Luddin *)Independent Commissioner: Heru SukantoIndependent Commissioner: Anna Maria TjiadarmaCommissioner: Edwind Sinaga *)

Board of DirectorsPresident Director: Agus NoorsantoDirector of Credit Risk & Funding Management: Ebeneser GirsangDirector of Compliance: Herry PrayudiDirector Business: Bambang KrisminarnoDirector of Operations & Finance: Ernawan *)

*) effective since declared passed the fit and proper test conducted by the Financial Services Authority (OJK).

3. Granting power and authority to the Directors with the right of substitution to take all necessary actions related to the decision of this Agenda in accordance with applicable regulations, including to state in a separate Notary Deed and notify the composition of the Board of Commissioners and Directors to the Ministry of Law and Human Rights.






RUPS Tahunan 2019

Tahapan pelaksanaan RUPS Tahunan BRI Agro tahun 2019 dapat dilihat dalam tabel berikut ini:






BRI Agro telah menyampaikan pemberitahuan mata acara RUPST kepada OJK pada tanggal 12 Februari 2019 sebagaimana dalam surat nomor B.04/Dir.04/SKP/3/2019 dan surat nomor B.04/Dir.04/SKP/3/2019 tanggal 6 Maret 2019

BRI Agro has submitted the AGMS agenda notification to the FSA on February 12, 2019 as in letter number B.04/Dir.04/SKP/3/2019 and letter number B.04/Dir.04/SKP/3/2019 on March 6, 2019.

BRI Agro telah mengumumkan RUPST di harian Investor Daily pada tanggal 19 Februari 2019 dan website Perseroan

BRI Agro announced the AGMS on the Investor Daily on February 19, 2019 and the Company’s website

BRI Agro telah melakukan pemanggilan untuk RUPST pada harian Investor Daily tanggal 6 Maret 2019 dan website Perseroan

BRI Agro has called for the AGMS on the Daily Investor Daily on March 6, 2019 and the Company’s website

BRI Agro melangsungkan RUPST pada hari Rabu, tanggal 28 Maret 2019 pukul 14.47 s/d selesai, bertempat di Ruang Serbaguna Gedung BRI AGRO lantai 3, Jalan warung Jati Barat nomor 139, Jakarta Selatan

BRI Agro held an AGM on Wednesday, March 28, 2019 from 14.47 until finished, located in the Serbaguna Room of BRI AGRO Building, 3rd floor, Jalan warung Jati Barat number 139, South Jakarta

Ringkasan Risalah RUPST telah diumumkan pada harian Investor Daily tanggal 1 April 2019 dan melalui website Perseroan

A summary of the minutes of the AGMS was announced on the Investor Daily on April 1, 2019 and through the Company’s website

RUPS Tahunan dihadiri oleh 20.107.625.615 saham dari keseluruhan saham sebanyak 21.343.290.230 saham atau 94,21% Pemegang Saham dan Profesi penunjang antara lain:

1. Anggota Dewan Komisaris dan Direksi sebagai berikut:



Komisaris Utama President Commissioner

Ahdi Jumhari Luddin *) Direktur UtamaPresident Director

Agus Noorsanto


Heru Sukanto Direktur Pengendalian Risiko Kredit & PendanaanDirector of Credit Risk Control & Funding

Ebeneser Girsang


Anna Maria Tjiadarma Direktur KepatuhanDirector of Compliance

Herry Prayudi

Komisaris Edwind Sinaga *) Direktur BisnisDirector Business

Bambang Krisminarno

Direktur Operasional dan KeuanganDirector of Operations and Finance

Ernawan *)

*) Efektif setelah mendapat persetujuan penilaian kemampuan dan kepatutan OJK

2. Bapak Indra Bayu Gunawan sebagai perwakilan dari PT Bank Rakyat Indonesia (Persero) Tbk,

3. Bapak Yuni Hardian sebagai perwakilan dari DAPENBUN 4. M. Nova Faisal, SH., M.Kn sebagai Notaris5. Danil S. Handaja perwakilan dari Kantor Akuntan Publik

Purwantono, Sungkoro & Surja (Ernst & Young)6. Ester Agung Setiawati perwakilan dari Biro Admnistrasi Efek

PT Datindo Entrycom 7. Rahmat SH, perwakilan dari Konsultan Hukum Ertiga

The 2019 AGMS

The stages of the 2019 BRI Agro Annual GMS can be seen in the following table:

The Annual GMS was attended by 20,107,625,615 shares of a total of 21,343,290,230 shares or 94.21% of the Shareholders and Supporting Professionals including:

1. Members of the Board of Commissioners and Directors as follows:

*) Effective after having obtained the fit and proper test from FSA.

2. Indra Bayu Gunawan as a representative of PT Bank Rakyat Indonesia (Persero) Tbk.

3. Yuni Hardian as representative of DAPENBUN.4. M. Nova Faisal, SH., M.Kn as a Notary.5. Danil S. Handaja, a representative from Purwantono, Sungkoro

& Surja Public Accountant Firm (Ernst & Young).6. Ester Agung Setiawati, a representative from the Securities

Administration Bureau of PT Datindo Entrycom.7. Rahmat SH, a representative from Ertiga Legal Consultant.






Hasil Keputusan RUPS Tahunan

Mata Acara Rapat PertamaFirst Meeting Agenda

Persetujuan atas Laporan Tahunan termasuk Laporan Keuangan Perseroan dan Laporan Penggunaan Dana PUT VIII berikut Obligasi I serta Laporan Tugas Pengawasan Dewan Komisaris Tahun Buku 2018 serta pemberian pelunasan dan pembebasan tanggung jawab sepenuhnya (acquit et decharge) kepada anggota Direksi dan Dewan Komisaris Perseroan atas tindakan pengurusan dan pengawasan yang telah dijalankan selama Tahun Buku 2018.

Approval of the Annual Report includes the Company’s Financial Statements and the Report on the Use of PUT VIII Funds along with Bond I and the Board of Commissioners Supervisory Report for Fiscal Year 2018 and the granting of full acquit et decharge to members of the Directors and Board of Commissioners of the Company for management and supervision that has been carried out during Fiscal Year 2018.

Jumlah Pemegang Saham yang BertanyaTotal Shareholders who Asked

Nihil

None

Pengambilan Keputusan Decision-making

Dengan Pemungutan SuaraBy Voting

SetujuAgree

AbstainAbstain

Tidak SetujuDisagree

100% 0% 0%


1. Menerima dan mengesahkan Laporan Tahunan termasuk Laporan Pengawasan Dewan Komisaris untuk Tahun Buku 2018 dan Laporan Keuangan Perseroan yang telah diaudit oleh Kantor Akuntan Publik Purwantono, Sungkoro & Surja (Ernst & Young), sesuai dengan laporannya No. 00148/2.1032/AU.1/07/1008-2/1/III/2019 tanggal 5 Maret 2019 dengan opini tanpa modifikasian.

2. Menerima Laporan Penggunaan Dana hasil Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu dalam rangka Penawaran Umum Terbatas (PUT) VIII Tahun 2018 berikut Obligasi I Tahun 2017

3. Memberikan pelunasan dan pembebasan tanggung jawab sepenuhnya (acquit et decharge) kepada anggota Direksi dan Dewan Komisaris Perseroan atas tindakan pengurusan dan pengawasan yang telah dijalankan selama Tahun Buku yang berakhir pada 31 Desember 2018, sepanjang tindakan tersebut bukan merupakan tindak pidana dan tindakan tersebut tercermin dalam Laporan Tahunan dan Laporan Keuangan Perseroan tersebut.

1. Receiving and ratifying the Annual Report including the Supervisory Report of the Board of Commissioners for Fiscal Year 2018 and the Company's Financial Statements audited by Purwantono, Sungkoro & Surja (Ernst & Young) Public Accountants, according to the report No. 00148/2.1032/AU.1/07/1008-2/1/III/2019 dated on March 5, 2019 with an opinion without modification.

2. Receiving Report on the Use of Funds from Capital Addition with Pre-emptive Rights in the context of VIII 2018 Limited Public Offering (PUT) following Bonds I of 2017

3. Providing full repayment and release of responsibility (acquit et decharge) to members of the Board of Directors and Board of Commissioners of the Company for the management and supervision actions that have been carried out during the Fiscal Year ending on December 31, 2018, as long as these actions are not criminal and these actions are reflected in the Company's Annual Report and Financial Report.

Mata Acara Rapat KeduaSecond Meeting Agenda

Penetapan penggunaan Laba Usaha Perseroan Tahun Buku 2018Stipulation of the Company’s Operating Profit use for Fiscal Year 2018


NihilNone



SetujuAgree

AbstainAbstain


100% 0% 0%

Results of the Annual GMS







a. Menyetujui Laba Bersih Perseroan Tahun Buku 2018 sebesar Rp204.212.623.157,- (dua ratus empat milyar dua ratus dua belas juta enam ratus dua puluh tiga ribu seratus lima puluh tujuh rupiah) digunakan untuk:1. Sebesar 5% atau sebesar Rp10.210.631.158,- (sepuluh milyar dua ratus sepuluh juta enam ratus tiga

puluh satu ribu seratus lima puluh delapan rupiah) disisihkan sebagai dana cadangan sesuai dengan ketentuan pasal 70 Undang-Undang Perseroan Terbatas No. 40 Tahun 2007

2. Sebesar 20% atau sebesar Rp40.842.524.631 (empat puluh milyar delapan ratus empat puluh dua juta lima ratus dua puluh empat ribu enam ratus tiga puluh satu rupiah) ditetapkan sebagai Dividen Tahun Buku 2018.

3. Sisanya sebesar 75% atau sebesar Rp153.159.467.368 (seratus lima puluh tiga milyar seratus lima puluh sembilan juta empat ratus enam puluh tujuh ribu tiga ratus enam puluh delapan rupiah) digunakan untuk memperkuat permodalan Perseroan dan dicatat sebagai Saldo Laba Ditahan Perseroan.

b. Memberi wewenang dan kuasa kepada Direksi Perseroan untuk menetapkan jadwal dan tata cara pembagian dividen Tahun Buku 2018 sesuai dengan ketentuan yang berlaku.

a. Approving the Company's Net Profit for Fiscal Year 2018 amounting to Rp204,212,623,157 (two hundred four billion two hundred twelve million six hundred twenty three thousand one hundred fifty seven rupiah) used for:1. 5% or Rp10,210,631,158 (ten billion two hundred ten million six hundred thirty one thousand one

hundred fifty eight rupiah) is set aside as a reserve fund in accordance with Article 70 of the Limited Liability Company Law 40 of 2007.

2. 20% or Rp40,842,524,631 (forty billion eight hundred forty two million five hundred twenty four thousand six hundred thirty one rupiah) is determined as a Dividend for Fiscal Year 2018.

3. The remaining 75% or Rp153,159,467,368 (one hundred fifty three billion one hundred fifty nine million four hundred sixty seven thousand three hundred sixty eight rupiah) is used to strengthen the Company's capital and be recorded as the Company's Retained Earnings Balance.

b. Giving authority and power to the Directors of the Company to determine the schedule and procedures for dividend distribution for the 2018 Fiscal Year in accordance with applicable regulations.

Mata Acara Rapat KetigaThird Meeting Agenda

Persetujuan pemberian Tantiem Tahun Buku 2018 dan benefit lainnya Tahun 2019 kepada anggota Direksi dan Dewan Komisaris Perseroan

Approval for the granting of Tantiem for Fiscal Year 2018 and other benefits of 2019 for members of the Company’s Board of Directors and Board of Commissioners


NihilNone



SetujuAgree

AbstainAbstain


100% 0% 0%


Menyetujui pemberian wewenang dan kuasa kepada Dewan Komisaris dengan terlebih dahulu mendapat Persetujuan Pemegang Saham Pengendali (BRI) untuk menetapkan besarnya Tantiem Tahun Buku 2018 dan benefit lainnya Tahun 2019 bagi anggota Direksi dan Dewan Komisaris Perseroan

Approving the granting of authority and power to the Board of Commissioners by first obtaining the Approval of the Controlling Shareholder (BRI) to determine the amount of the 2018 Year Tantiem and other benefits of 2019 for members of the Board of Directors and the Board of Commissioners of the Company






Mata Acara Rapat KeempatFourth Meeting Agenda

Persetujuan Penunjukkan Akuntan Publik untuk mengaudit Laporan Keuangan Tahun Buku 2019.Approval of Appointment of Public Accountant to audit Financial Statements for Fiscal Year 2019.


NihilNone



SetujuAgree

AbstainAbstain


100% 0% 0%


1. Memberikan wewenang dan kuasa kepada Dewan Komisaris Perseroan untuk:a. Menunjuk Kantor Akuntan Publik yang akan melakukan audit atas Laporan Keuangan Perseroan Tahun

Buku 2019.b. Menunjuk Kantor Akuntan Publik Pengganti yang telah memperoleh pengakuan dan telah terdaftar

pada OJK dan BI atas Laporan Keuangan Perseroan Tahun Buku 2019 dalam hal terdapat penggantian Kantor Akuntan Publik.

2. Memberikan wewenang dan kuasa kepada Direksi Perseroan untuk menetapkan biaya jasa dan persyaratan-persyaratan lain yang diperlukan sehubungan dengan penunjukkan Kantor Akuntan Publik tersebut di atas untuk tujuan dan kepentingan Perseroan.

1. Giving authority and power to the Company's Board of Commissioners to:a. Appointing a Public Accounting Firm that will conduct an audit of the Company's Financial Statements

for Fiscal Year 2019.b. Appointing a replacement Public Accountant Firm that has obtained recognition and has been

registered with the OJK and BI for the Company's Financial Statements for Fiscal Year 2019 in the event that there is a replacement of the Public Accounting Firm.

2. Rendering authority and power to the Directors of the Company to determine service fees and other requirements needed in connection with the appointment of the Public Accountant Office mentioned above for the purposes and interests of the Company.

Mata Acara Rapat KelimaFifth Meeting Agenda

Persetujuan Perubahan Anggaran Dasar PerseroanApproval of Amendment to the Company’s Articles of Association


NihilNone



SetujuAgree

AbstainAbstain


20.106.807.630 dari 20.107.626.230 suara yang hadir atau 99,996%

20,106,807,630 of 20,107,626,230 votes present or 99,996%

O% 818.600 suara atau 0,004 %

818,600 votesor 0.004%


1. Menyetujui perubahan Anggaran Dasar Perseroan sebagaimana diuraikan2. Melakukan kompilasi seluruh ketentuan dalam Anggaran Dasar Perseroan, termasuk yang telah disetujui

perubahannya dalam Rapat ke dalam suatu Akta Notaris3. Memberikan wewenang dan kuasa kepada Direksi Perseroan dengan hak substitusi untuk melakukan

segala tindakan yang diperlukan berkaitan dengan keputusan Mata Acara Rapat ini sesuai dengan Peraturan dan Perundang-Undangan yang berlaku, termasuk untuk melakukan kompilasi keseluruhan Anggaran Dasar Perseroan ke dalam satu Akta Notaris.






1. Approving changes to the Company’s Articles of Association as described2. Compiling the whole provisions in the Company’s Articles of Association, including those approved for

changes in the Meeting into a Notarial Deed3. Granting authority and power to the Directors of the Company with the right of substitution to take all

necessary actions related to the decisions of the Meeting Agenda in accordance with the applicable Laws and Regulations, including to compile the entire Articles of Association of the Company into a Notarial Deed.

Mata Acara Rapat Keenam

Sixth Meeting Agenda

Persetujuan pencatatan dampak penerapan PSAK 71 ke saldo laba (retained earning) dalam rangka penerapan PSAK 71 dimaksud akan dilaksanakan pada RUPS Tahunan 2020.

Approval of recording the impact of the application of PSAK 71 to retained earnings in the context of the application of PSAK 71 will be carried out at the 2020 Annual GMS.

Mata Acara Rapat Ketujuh

Seventh Meeting Agenda

Persetujuan penerbitan saham baru melalui Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu sebagaimana dimaksud dalam Peraturan Otoritas Jasa Keuangan No.32/POJK.04/2015

Approval of the issuance of new shares through Capital Increase with Pre-emptive Rights as referred to in Financial Services Authority Regulation No.32/POJK.04/2015.

Keputusan Rapat untuk mata acara rapat keenam dan ketujuh

Meeting Decisions for the sixth and seventh meetings

Pelaksanaan mata acara rapat ini ditunda pembahasannya untuk dibahas dan diambil keputusan pada RUPS berikutnya

The discussion of the agenda of this meeting was postponed to be discussed and a decision was taken at the upcoming GMS.

RUPS Luar Biasa Kedua

RUPS Luar biasa yang berikutnya diselenggarakan pada tanggal 26 Juni 2019 dengan penjabaran sebagai berikut:






BRI Agro telah menyampaikan pemberitahuan mata acara RUPS LB kepada OJK pada tanggal 9 April 2019 sebagaimana dalam surat nomor B.22/Dir.01/SKP/KPP/4/2019

BRI Agro has submitted the notification of the agenda of the EGMS to FSA on April 9, 2019 as in letter number B.22/Dir.01/SKP/KPP/4/2019

BRI Agro telah mengumumkan RUPS LB di harian Investor Daily pada tanggal 16 April 2019 dan website Perseroan

BRI Agro announced the EGMS at the Investor Daily on April 16, 2019 and the Company’s website

BRI Agro telah melakukan pemanggilan untuk RUPS LB pada harian Investor Daily tanggal 6 Maret, 2 Mei 2019 dan website Perseroan

RALAT Pemanggilan Rapat di harian Investor Daily tanggal 22 Mei 2019

BRI Agro has called for the RUPS LB on the Daily Investor Daily on 6 March, 2 May 2019 and the Company’s website

Summoning CorrectionMeeting in the Investor Daily on May 22, 2019

BRI Agro melangsungkan RUPS LB pada hari Rabu, tanggal 26 Juni 2019 pukul 14.51 s/d selesai, bertempat di Ruang Serbaguna Gedung BRI AGRO lantai 3, Jalan Warung Jati Barat nomor 139, Jakarta Selatan

BRI Agro held EGMS on Wednesday, June 26, 2019 from 14.51 until finished, located in the Serbaguna Room, BRI AGRO Building, 3rd floor, Jalan Warung Jati Barat number 139, South Jakarta

Ringkasan Risalah RUPS LB telah diumumkan pada harian Investor Daily tanggal 28 Juni 2019 dan melalui website Perseroan

Summary of Minutes of EGMS has been announced in Investor Daily on June 28, 2019, and through the Company’s website

Second Extraordinary GMS

The next Extraordinary General Meeting of Shareholders will be held on June 26, 2019 with the following exegesis:










Komisaris Utama President Commissioner

Ahdi Jumhari Luddin *) Direktur UtamaPresident Director

Agus Noorsanto


Heru Sukanto Direktur Pengendalian Risiko Kredit & PendanaanDirector of Credit Risk Control & Funding

Ebeneser Girsang


Anna Maria Tjiadarma Direktur KepatuhanDirector of Compliance

Herry Prayudi

KomisarisCommissioner

Edwind Sinaga *) Direktur BisnisDirector Business

Bambang Krisminarno

Direktur Operasional dan KeuanganDirector of Operations and Finance

Ernawan *)


2. Viviana Dyah Ayu Retno Kumalasari sebagai perwakilan dari PT Bank Rakyat Indonesia (Persero) Tbk

3. Fidelis Elantyas sebagai perwakilan dari PT Bank Rakyat Indonesia (Persero) Tbk

4. Rony Hanityo Aprianto sebagai perwakilan dari DAPENBUN5. Bangun Wibowo sebagai perwakilan dari DAPENBUN 6. M. Nova Faisal, SH., M.Kn sebagai Notaris

Hasil Keputusan RUPS Luar Biasa yang Kedua

Mata Acara Rapat Pertama

First Meeting Agenda

Persetujuan Penerbitan Saham Baru melalui Penambahan Modal Dengan Hak Memesan Efek Terlebih Dahulu sebagaimana dimaksud dalam Peraturan Otoritas Jasa Keuangan (”Peraturan OJK”) No. 32/POJK.04/2015 tanggal 16 Desember 2015.

Approval of the Issuance of New Shares through Capital Increase with Pre-emptive Rights as referred to in the Financial Services Authority Regulation (“FSA Regulation”) No. 32/POJK.04/2015 dated on December 16, 2015.

Jumlah Pemegang Saham yang Bertanya

Total Shareholders who Asked

NihilNone



SetujuAgree

AbstainAbstain


19.941.878.986 suara atau 100%

19,941,878,986 votes or 100%

0% 0%

The AGMS is attended by the 19,941,878,986 shares from the whole shares amounting to 21,343,290,230 shares or 93.43% of the Shareholders and the Supporting Profession, namely:

1. The Members of the Board of Commissioners and the Board of Directors are as follows:


2. Viviana Dyah Ayu Retno Kumalasari as representative of PT Bank Rakyat Indonesia (Persero) Tbk.

3. Fidelis Elantyas as a representative of PT Bank Rakyat Indonesia (Persero) Tbk.

4. Rony Hanityo Aprianto as representative of DAPENBUN.5. Bangun Wibowo as representative of DAPENBUN.6. M. Nova Faisal, SH., M.Kn as Notary.

Results of the Second Extraordinary GMS Decision






Keputusan RapatMeeting Decisions

a) Menyetujui Penambahan Modal Perseroan Dengan Hak Memesan Efek Terlebih Dahulu (PMHMETD), dengan mengeluarkan saham baru dari portepel Perseroan sebanyak-banyaknya 3.000.000.000 (tiga miliar) lembar saham dengan nilai nominal Rp100 (seratus Rupiah) per lembar saham.

b) Memberikan wewenang dan kuasa kepada Direksi dengan hak substitusi dan terlebih dahulu mendapat persetujuan dari Dewan Komisaris Perseroan untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan PMHMETD dengan memperhatikan seluruh peraturan perundangan yang berlaku termasuk tetapi tidak terbatas pada :

1. Menetapkan jumlah saham yang akan ditawarkan dalam PMHMETD.2. Menetapkan harga pelaksanaan PMHMETD dengan memperhatikan peraturan dan perundangan

yang berlaku.3. Menetapkan jadwal waktu pelaksanaan PMHMETD dan persyaratannya. 4. Melakukan segala tindakan yang perlu dan berguna dalam rangka pelaksanaan PMHMETD,

termasuk mengubah ketentuan Pasal 4 ayat (2) Anggaran Dasar Perseroan.

a) Approving the Capital Increase of the Company with Pre-emptive Rights (PMHMETD), by issuing new shares from the Company's portfolio as much as 3,000,000,000 (three billion) shares with a nominal value of Rp100 (one hundred Rupiah) per share.

b) Giving authority and power to the Directors with substitution rights and first obtain approval from the Company's Board of Commissioners to take all necessary actions in connection with the implementation of PMHMETD by taking into account all applicable laws including but not limited to:1. Determining the number of shares to be offered in PMHMETD.2. Determining the price of PMHMETD implementation by taking into account the applicable laws

and regulations.3. Establishing the timetable for PMHMETD implementation and its requirements.4. Performing all necessary and useful actions in the framework of PMHMETD implementation,

including changing the provisions of Article 4 paragraph (2) of the Company's Articles of Association.

Mata Acara Rapat KeduaSecond Meeting Agenda

Perubahan Pengurus Perseroan

Jumlah Pemegang Saham yang Bertanya

Total Shareholders who Asked

NihilNone



SetujuAgree

AbstainAbstain


19.941.060.386 suara atau 99,996%

19,941,060,386 votes or 99.996%

0% 818.600 suaraatau 0,004 %

818,600 votesor 0.004%

Keputusan RapatMeeting Decisions

1. Memberhentikan dengan hormat : HERU SUKANTO sebagai Komisaris Independen EDWIND SINAGA sebagai Komisaris BAMBANG KRISMINARNO sebagai Direktur Bisnis dengan menyampaikan ucapan terima kasih dan pemberian penghargaan atas kerjasama dan

sumbangsihnya selama ini kepada Perseroan.

2. Mengangkat : A.Y. SOEPADMO sebagai Komisaris Independen I.B.K SUAMBA MANUABA sebagai komisaris SIGIT MURTIYOSO sebagai Direktur Bisnis sejak ditutupnya RUPS ini sampai dengan RUPS tahun 2022, dengan tidak mengurangi hak Rapat Umum

Pemegang Saham untuk memberhentikan sewaktu-waktu. Sehingga susunan anggota Dewan Komisaris dan Direksi Perseroan berubah menjadi sebagai berikut:






Dewan KomisarisKomisaris Utama : Ahdi Jumhari LuddinKomisaris Independen : Anna Maria TjiadarmaKomisaris Independen : A.Y. Soepadmo*)Komisaris : Ida Bagus Ketut Suamba

DireksiDirektur Utama : Agus NoorsantoDirektur : Ebeneser Girsang Direktur : Herry Prayudi Direktur : Sigit Murtiyoso*) Direktur : Ernawan*)

*) berlaku efektif sejak dinyatakan lulus dalam penilaian kemampuan dan kepatutan (fit & proper test) yang dilaksanakan oleh

Otoritas Jasa Keuangan (OJK).


1. Respectfully dismissing: HERU SUKANTO as Independent Commissioner EDWIND SINAGA as Commissioner BAMBANG KRISMINARNO as Business Director by expressing gratitude and giving appreciation for their cooperation and contributions to the Company.

2. Appointing: A.Y. SOEPADMO as Independent Commissioner I.B.K SUAMBA MANUABA as a commissioner SIGIT MURTIYOSO as Business Director since the closing of this GMS until the GMS in 2022, without prejudice to the right of the General Meeting

of Shareholders to dismiss at any time. So that the composition of the Company’s Board of Commissioners and Directors changes to be as follows:

Board of CommissionersChief Commissioner : Ahdi Jumhari LuddinIndependent Commissioner : Anna Maria TjiadarmaIndependent Commissioner : A.Y. Soepadmo *)Commissioner : Ida Bagus Ketut Suamba

Board of DirectorsPresident Director : Agus NoorsantoDirector : Ebeneser GirsangDirector : Herry PrayudiDirector : Sigit Murtiyoso *)Director : Ernawan *)*) effective since declared passed the fit and proper test conducted by the Financial Services Authority (FSA).







RUPS Luar Biasa yang Ketiga Diselenggarakan pada tanggal 27 November 2019 dengan prosedur penyelenggaraan sebagai berikut:






BRI Agro telah menyampaikan pemberitahuan mata acara RUPS LB kepada OJK pada tanggal 23 September 2019 sebagaimana dalam surat nomor B.36/Dir.03.05/SKP/9/2019

BRI Agro has delivered the notification of the agenda of the General Meeting of Shareholders to FSA on September 23, 2019 as in letter number B.36/Dir.03.05/SKP/9/2019

BRI Agro telah mengumumkan RUPS LB di harian Investor Daily pada tanggal 30 September 2019 dan website Perseroan

BRI Agro has announced the EGMS on the Investor Daily on September 30, 2019 and the Company’s website

BRI Agro telah melakukan pemanggilan untuk RUPS LB pada harian Investor Daily tanggal 15 Oktober 2019 dan website Perseroan

Ralat Pemanggilan Rapat dimuat di Investor Daily pada 1 November 2019

BRI Agro has called for the RUPS LB at the Investor Daily on October 15, 2019 and the Company’s website

Meeting Summoning Correction was published in Investor Daily on November 1, 2019

BRI Agro melangsungkan RUPS LB pada hari Rabu, tanggal 1 November 2019 pukul 14.52 s/d selesai, bertempat di Ruang Serbaguna Gedung BRI AGRO lantai 3, Jalan warung Jati Barat nomor 139, Jakarta Selatan

BRI Agro held EGMS on Wednesday, November 1, 2019 from 14.52 until finished, located in the Serbaguna Room, BRI AGRO Building, 3rd floor, Jalan warung Jati Barat number 139, South Jakarta

Ringkasan Risalah RUPS LB telah diumumkan pada harian Investor Daily tanggal 29 November 2019 melalui website Perseroan.

Summary of Minutes of EGMS has been announced in Investor Daily on November 29, 2019, through the Company’s website.





Komisaris UtamaPresident Commissioner

Ahdi Jumhari Luddin Plt. Direktur UtamaActing (ACT) President Director

Ebeneser Girsang

Komisaris IndependenIndependent Commssioner

Anna Maria Tjiadarma Direktur Director

Herry Prayudi

Komisaris IndependenIndependent Commssioner

A.Y. Soepadmo Direktur Director

Sigit Murtiyoso

Komisaris Commissioner

I.B.K. Suamba Manuaba*) Direktur Director

Ernawan


2. Viviana Dyah Ayu Retno Kumalasari sebagai perwakilan dari PT Bank Rakyat Indonesia (Persero) Tbk

3. Bangun Wibowo sebagai perwakilan dari DAPENBUN 4. M. Nova Faisal, SH., M.Kn sebagai Notaris

Third Extraordinary GMSHeld on November 27, 2019 with the following operating procedures:

The Annual GMS was attended by 20,040,846,613 shares of a total of 21,343,290,230 shares or 93.89% of the Shareholders and supporting Professionals including:

1. Members of the Board of Commissioners and Directors as follows:


2. Viviana Dyah Ayu Retno Kumalasari as representative of PT Bank Rakyat Indonesia (Persero) Tbk.

3. Bangun Wibowo as representative of DAPENBUN.4. M. Nova Faisal, SH., M.Kn as Notary.






Hasil Keputusan RUPS Luar Biasa Ketiga

Mata Acara Rapat PertamaFirst Meeting Agenda

Perubahan Susunan Pengurus Perseroan


NihilNone



SetujuAgree

AbstainAbstain


20.040.846.613 suara atau 100% 20,040,846,613 votes or 100%

0% 0%


1. Memberhentikan dengan hormat, Sdr. Agus Noorsanto selaku Direktur Utama Perseroan dengan menyampaikan ucapan terima kasih dan pemberian penghargaan atas kerjasama serta sumbangsihnya kepada Perseroan selama ini.

Sehingga susunan Dewan Komisaris dan Direksi Perseroan selengkapnya menjadi sebagai berikut :

Dewan KomisarisKomisaris Utama : Ahdi Jumhari LuddinKomisaris Independen : Anna Maria TjiadarmaKomisaris Independen : A.Y. SoepadmoKomisaris : I.B.K. Suamba Manuaba*)*) berlaku efektif sejak dinyatakan lulus dalam penilaian kemampuan dan kepatutan (fit & proper test) yang dilaksanakan oleh

Otoritas Jasa Keuangan (OJK).

DireksiPlt. Direktur Utama: Ebeneser Girsang Direktur : Herry PrayudiDirektur : Sigit MurtiyosoDirektur : Ernawan


1. Respectfully dismissing, Br. Agus Noorsanto, as the President Director of the Company, expressed his gratitude and appreciation for his cooperation and contributions to the Company.

Thus, the composition of the Company’s Board of Commissioners and Directors is as follows:

Board of CommissionersPresident Commissioner : Ahdi Jumhari LuddinIndependent Commissioner : Anna Maria TjiadarmaIndependent Commissioner : A.Y. SoepadmoCommissioner : I.B.K. Commissioner Suamba Manuaba *)*) effective since declared passed the fit and proper test conducted by the Financial Services Authority (OJK).

Board of DirectorsActing (ACT) Managing Director : Ebeneser GirsangDirector : Herry PrayudiDirector : Sigit MurtiyosoDirector : Ernawan

2. Giving power and authority to the Directors with the right of substitution to take all necessary actions related to the decision of this Agenda in accordance with applicable regulations, including to state in a separate Notary Deed and notify the composition of the Board of Commissioners and Directors to the Ministry of Law and Human Rights.

The Results of the Third Extraordinary GMS






Keputusan RUPS Tahun Sebelumnya

Pada tahun 2018 Perseroan telah menyelenggarakan 2 (dua) kali Rapat Umum Pemegang Saham; RUPS Tahunan (RUPST) pada tanggal 5 April 2018 dan RUPS Luar Biasa (RUPSLB) tanggal 26 Juni 2018. Kedua pelaksanaan RUPS bertempat di Gedung BRI Agro, Jl. Warung Jati Barat No. 139, Jakarta.

Hasil Keputusan RUPS telah dilaporkan kepada OJK dan diumumkan pada situs web Perseroan (www.briagro.co.id), situs idx (www. idx.co.id) serta dimuat pada harian Investor Daily. Berikut adalah ringkasan hasil keputusan RUPS tahun 2018 beserta informasi akan tindak lanju yang dilakukan oleh Perseroan.

RUPS Tahunan Tanggal 5 April 2018

Risalah RUPS telah disahkan dalam Akta No. 23 Notaris M. Nova Faisal SH., M.Kn tanggal 5 April 2018

No Mata Acara Rapat Agenda

KeputusanDecisions

RealisasiRealisation

1 Persetujuan atas Laporan Tahunan termasuk Laporan Keuangan Perseroan dan Laporan Penggunaan Dana PUT VIII berikut Obligasi I serta Laporan Tugas Pengawasan Dewan Komisaris Tahun Buku 2017 serta pemberian pelunasan dan pembebasan tanggung jawab sepenuhnya (acquit et decharge) kepada anggota Direksi dan Dewan Komisaris Perseroan atas tindakan pengurusan dan pengawasan yang telah dijalankan selama Tahun Buku 2017.

Approval of the Annual Report includes the Company’s Financial Statements and the Report on the Use of PUT VIII Funds along with Bonds I and the Board of Commissioners’ Supervisory Task Report for Fiscal Year 2017 as well as the full repayment and acquittal of responsibilities (acquit et decharge) to members of the Board of Directors and the Board of Commissioners of the Company for management and supervision that has been carried out during the 2017 Financial Year.

1. Menerima dan mengesahkan Laporan Tahunan termasuk Laporan Pengawasan Dewan Komisaris untuk Tahun Buku 2017 dan Laporan Keuangan Perseroan yang telah diaudit oleh Kantor Akuntan Publik Purwantono, Sungkoro & Surja (Ernst & Young), sesuai dengan laporannya No. RPC-5632/PSS/2018 tanggal 6 Februari 2018 dengan opini tanpa modifikasian.

2. Menerima Laporan Penggunaan Dana hasil Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu dalam rangka Penawaran Umum Terbatas (PUT) VIII Tahun 2018 berikut Obligasi I Tahun 2017

3. Memberikan pelunasan dan pembebasan tanggung jawab sepenuhnya (acquit et decharge) kepada anggota Direksi dan Dewan Komisaris Perseroan atas tindakan pengurusan dan pengawasan yang telah dijalankan selama Tahun Buku yang berakhir pada 31 Desember 2017, sepanjang tindakan tersebut bukan merupakan tindak pidana dan tindakan tersebut tercermin dalam Laporan Tahunan dan Laporan Keuangan Perseroan tersebut.

1. Receiving and ratifying the Annual Report including the Supervisory Report of the Board of Commissioners for the 2017 Fiscal Year and the Company's Financial Statements which have been audited by Purwantono, Sungkoro & Surja (Ernst & Young) Public Accountants, according to the report No. RPC-5632/PSS/2018 dated on February 6, 2018 with an unmodified opinion.

2. Receiving Report on the Use of Funds from Capital Addition with Pre-emptive Rights in the context of VIII 2018 Limited Public Offering (PUT) following Bonds I of 2017

3. Providing full repayment and release of responsibility (acquit et decharge) to members of the Board of Directors and Board of Commissioners of the Company for the management and supervision actions that have been carried out during the Fiscal Year ending on December 31, 2017, as long as these actions are not criminal and these actions are reflected in the Company's Annual Report and Financial Report.

Sudah direalisasikan

Have been realised

The Prior AGMS Verdicts

In 2018, the Company held 2 (two) General Shareholders Meetings; Annual GMS (AGM) on April 5, 2018, and Extraordinary GMS (EGMS) on June 26, 2018. The two AGMs took place at the BRI Agro Building, Jl. Warung Jati Barat No. 139, Jakarta.

The resolutions of the GMS have been reported to FSA and announced on the Company’s website (www.briagro.co.id), the IDX website (www.idx.co.id) and posted on the Investor Daily. The following is a summary of the results of the 2018 GMS decision along with information on further actions taken by the Company.

Annual GMS on April 5, 2018

Minutes of the GMS have been ratified in Deed No. 23 Notary M. Nova Faisal SH., M.Kn, April 5, 2018.







KeputusanDecisions


2 Penetapan penggunaan Laba Usaha Perseroan Tahun Buku 2017

Determination of the use of the Company’s Operating Profit for Fiscal Year 2017

1. Menyetujui Laba Bersih Perseroan Tahun Buku 2017 sebesar Rp140.495.535.167,- (seratus empat puluh milyar empat ratus sembilan puluh lima juta lima ratus tiga puluh lima ribu seratus enam puluh tujuh rupiah) digunakan untuk:

1. Sebesar 5% atau sebesar Rp7.024.776.758,35,- (tujuh milyar dua puluh empat juta tujuh ratus tujuh puluh enam ribu tujuh ratus lima puluh delapan koma tiga puluh lima rupiah) disisihkan sebagai dana cadangan sesuai dengan ketentuan pasal 70 Undang-Undang Perseroan Terbatas No. 40 Tahun 2007

2. Sebesar 38% dari laba bersih Perseroan atau 40% dari laba bersih Perseroan setelah diperhitungkan cadangan sebesar Rp53.388.294.953,75 (Lima puluh tiga milyar tiga ratus delapan puluh delapan juta dua ratus sembilan puluh empat ribu sembilan ratus lima puluh tiga koma tujuh lima) ditetapkan sebagai Dividen Tahun Buku 2017.

3. Sisanya sebesar 57% atau sebesar Rp80.082.463.454,90 (delapan puluh milyar delapan puluh dua juta empat ratus enam puluh tiga ribu empat ratus lima puluh empat koma sembilan puluh rupiah) digunakan untuk memperkuat permodalan Perseroan dan dicatat sebagai Saldo Laba Ditahan Perseroan.

2. Memberi wewenang dan kuasa kepada Direksi Perseroan untuk menetapkan jadwal dan tata cara pembagian dividen Tahun Buku 2017 sesuai dengan ketentuan yang berlaku.

1. Approving the Company’s 2017 Net Profit for Rp140,495,535,167 (one hundred forty billion four hundred ninety five million five hundred thirty-five thousand one hundred sixty seven rupiah) used for:

· In the amount of 5% or in the amount of Rp7,024,776,758.35 (seven billion twenty four million seven hundred seventy six thousand seven hundred fifty eight point thirty five rupiah) set aside as a reserve fund in accordance with the provisions of Article 70 of the Law Limited Liability Company No. 40 of 2007

· 38% of the Company’s net profit or 40% of the Company’s net profit after accounting for reserves amounting to Rp53,388,294,953.75 (Fifty-three billion three hundred eighty-eight million two hundred ninety thousand four nine hundred fifty-three point seven five) determined as Dividend for Fiscal Year 2017.

· The remaining 57% or Rp80,082,463,454.90 (eighty billion eighty-two million four hundred sixty-three thousand four hundred fifty-four point ninety rupiah) is used to strengthen the Company's capital and be recorded as Retained Earnings Balance Company.

2. Giving authority and power to the Directors of the Company to determine the schedule and procedures for dividend distribution for the 2017 Fiscal Year in accordance with applicable regulations.


Have been realised

3 Persetujuan pemberian Tantiem Tahun Buku 2017 dan benefit lainnya Tahun 2018 kepada anggota Direksi dan Dewan Komisaris Perseroan

Approval for the award of 2017 Fiscal Year bonuses and other benefits in 2018 to members of the Board of Directors and Board of Commissioners of the Company

Menyetujui pemberian wewenang dan kuasa kepada Dewan Komisaris dengan terlebih dahulu mendapat Persetujuan Pemegang Saham Pengendali (BRI) untuk menetapkan besarnya Tantiem Tahun Buku 2017 dan benefit lainnya Tahun 2018 bagi anggota Direksi dan Dewan Komisaris Perseroan

Approving the granting of authority and power to the Board of Commissioners by first obtaining the Approval of the Controlling Shareholder (BRI) to determine the amount of the 2017 Year Tantiem and other benefits of 2018 for members of the Directors and Board of Commissioners of the Company


Have been realised







KeputusanDecisions


4 Penunjukan Akuntan Publik untuk mengaudit Laporan Keuangan Tahun Buku 2018.

Appointment of a Public Accountant to audit Financial Statements for Fiscal Year 2018.

1. Menunjuk dan menetapkan Kantor Akuntan Publik Purwantono, Sungkoro dan Surja (Ernst & Young) yang akan melakukan audit atas Laporan Keuangan Perseroan Tahun Buku 2018 dan sehubungan dengan penunjukkan Kantor Akuntan Publik tersebut memberikan wewenang dan kuasa kepada Direksi Perseroan untuk menetapkan honorarium dan persyaratan-persyaratan lain yang diperlukan sehubungan dengan penunjukkan Kantor Akuntan Publik tersebut.

2. Memberikan kuasa dan wewenang kepada Dewan Komisaris untuk menunjuk Kantor Akuntan Publik pengganti yang terdaftar di OJK dan BI untuk melaksanakan audit atas Laporan Keuangan Tahun Buku 2018 dan memberikan wewenang dan kuasa kepada Direksi Perseroan untuk menetapkan honorarium dan persyaratan-persyaratan lain yang diperlukan sehubungan dengan penunjukkan Kantor Akuntan Publik tersebut, dalam hal terdapat penggantian Kantor Akuntan Publik.

1. Appointing and determining the Public Accounting Firm Purwantono, Sungkoro and Surja (Ernst & Young) who will audit the Company's Financial Statements for Fiscal Year 2018 and in connection with the appointment of the Public Accountant Office and authorise the Company's Directors to determine the honorarium and requirements other requirements that are required in connection with the appointment of the said Public Accounting Firm.

2. Giving power and authority to the Board of Commissioners to appoint a substitute Public Accountant Firm registered with FSA and BI to conduct an audit of the 2018 Financial Year Financial Report and to give authority and power to the Directors of the Company to determine the honorarium and other necessary requirements relating to the appointment of the said Public Accounting Firm, in the event of a replacement of the Public Accounting Firm.


Have been realised

5 Persetujuan penerbitan saham baru melalui Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu sebagaimana dimaksud dalam Peraturan Otoritas Jasa Keuangan No.32/POJK.04/2015

Approval of the issuance of new shares through Capital Increase with Pre-emptive Rights as referred to in Financial Services Authority Regulation No.32/POJK.04/2015

Pembahasan di tunda untuk kemudian disetujui pada RUPS LB tanggal 28 Juni 2018

The discussion was postponed and then approved at the EGMS on June 28, 2018

6 Persetujuan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHEMTD) sebagaimana diatur dalam Peraturan No.38/POJK.04/2014 tanggal 29 Desember 2014 dalam rangka Program Kepemilikan Saham baik untuk Program Manajemen & Employee Stock Options Plan (MESOP) dan Program Long Term Insentif (LTI) sebagaimana diatur dalam Peraturan No, 45/POJK.03/2015 tanggal 23 Desember 2015









KeputusanDecisions


Approval of Capital Increase without Pre-emptive Rights (PMTHEMTD) as stipulated in Regulation No.38/POJK.04/2014 dated on December 29, 2014, in the framework of the Share Ownership Program for both the Management & Employee Stock Options Plan (MESOP) Program and the Long Term Program Incentives (LTI) as stipulated in Regulation No. 45/POJK.03/2015 dated on December 23, 2015.

7 Pemberian kuasa bagi Dewan Komisaris Perseroan untuk melakukan penyesuaian permodalan setelah pelaksanaan Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu (PMHMETD) dan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHEMTD)

Granting power of attorney for the Company’s Board of Commissioners to make capital adjustments after the implementation of Capital Increase with Pre-emptive Rights (PMHMETD) and Capital Increase without Pre-emptive Rights (PMTHEMTD)



8 Perubahan Susunan Pengurus Perseroan

Changes in the composition of the Company’s Management

1. Memberhentikan dengan hormat : BAMBANG SOEPENO sebagai Komisaris Utama/Independen ZUHRI ANWAR sebagai Direktur dengan menyampaikan ucapan terima kasih dan pemberian

penghargaan atas kerjasama dan sumbangsihnya selama ini kepada Perseroan.

2. Mengangkat : HEXANA TRI SASONGKO sebagai Komisaris Utama BAMBANG KRISMINARNO sebagai Direktur sejak ditutupnya RUPS ini sampai dengan RUPS tahun 2022,

dengan tidak mengurangi hak Rapat Umum Pemegang Saham untuk memberhentikan sewaktu-waktu.

Pengangkatan : HEXANA TRI SASONGKO sebagai Komisaris Utama BAMBANG KRISMINARNO sebagai Direktur

berlaku efektif sejak dinyatakan lulus Fit & Proper Test dan mendapatkan persetujuan dari Otoritas Jasa Keuangan (OJK).

Apabila pengangkatan pengurus baru Perseroan tersebut di atas telah mendapat persetujuan dari Otoritas Jasa Keuangan (OJK), maka susunan Dewan Komisaris dan Direksi Perseroan selengkapnya menjadi sebagai berikut :

Dewan KomisarisKomisaris Utama : Hexana Tri SasongkoKomisaris Independen : Anna Maria TjiadarmaKomisaris Independen : Heru SukantoKomisaris : Edwind Sinaga*)


Have been realised







KeputusanDecisions


DireksiDirektur Utama : Agus NoorsantoDirektur : Herry Prayudi *)Direktur : Ebeneser Girsang *)Direktur : Zainuddin MappaDirektur : Bambang Krisminarno *)

*) berlaku efektif sejak dinyatakan lulus dalam penilaian kemampuan dan

kepatutan (fit & proper test) yang dilaksanakan oleh Otoritas Jasa

Keuangan (OJK).


1. Respectfully dismissing: BAMBANG SOEPENO as President/Independent Commissioner ZUHRI ANWAR as Director by expressing gratitude and giving appreciation for their

cooperation and contributions to the Company.

2. Appointing: HEXANA TRI SASONGKO as President Commissioner BAMBANG KRISMINARNO as Director since the closing of this GMS until the GMS in 2022, without

prejudice to the right of the General Meeting of Shareholders to dismiss at any time.

Appointment: HEXANA TRI SASONGKO as President Commissioner BAMBANG KRISMINARNO as Director

effective since it has passed the Fit & Proper Test and received approval from the Financial Services Authority (OJK).

If the appointment of the new management of the Company mentioned above has been approved by the Financial Services Authority (OJK), the composition of the Board of Commissioners and Directors of the Company is as follows:

Board of CommissionersPresident Commissioner: Hexana Tri SasongkoIndependent Commissioner: Anna Maria TjiadarmaIndependent Commissioner: Heru SukantoCommissioner: Edwind Sinaga *)







KeputusanDecisions


Board DirectorsPresident Director: Agus NoorsantoDirector: Herry Prayudi *)Director: Ebeneser Girsang *)Director: Zainuddin MappaDirector: Bambang Krisminarno *)

*) effective since declared passed the fit and proper test conducted by the

Financial Services Authority (OJK).


RUPS Luar Biasa Tanggal 28 Juni 2018

Risalah RUPS Luar Biasa telah disahkan dalam Akta No. 51 Notaris M. Nova Faisal SH., M.Kn tanggal 28 Juni 2018


KeputusanDecisions


1 Persetujuan penerbitan saham baru melalui Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu sebagaimana dimaksud dalam Peraturan Otoritas Jasa Keuangan No.32/POJK.04/2015

Approval of the issuance of new shares through Capital Increase with Pre-emptive Rights as referred to in Financial Services Authority Regulation No.32/POJK.04/2015

1. Menyetujui Penambahan Modal Perseroan Dengan Hak Memesan Efek Terlebih Dahulu (PMHMETD), dengan mengeluarkan saham baru dari portepel Perseroan sebanyak-banyaknya 6.000.000.000 (enam miliar) lembar saham dengan nilai nominal Rp100 (seratus Rupiah) per lembar saham.

2. Memberikan wewenang dan kuasa kepada Direksi dengan hak substitusi dan terlebih dahulu mendapat persetujuan dari Dewan Komisaris Perseroan untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan PMHMETD dengan memperhatikan seluruh peraturan perundangan yang berlaku termasuk tetapi tidak terbatas pada :a) Menetapkan jumlah saham yang akan ditawarkan dalam

PMHMETD.b) Menetapkan harga pelaksanaan PMHMETD dengan

memperhatikan peraturan dan perundangan yang berlaku.c) Menetapkan jadwal waktu pelaksanaan PMHMETD dan

persyaratannya.

1. Approving the Capital Increase of the Company with Pre-emptive Rights (PMHMETD), by issuing new shares from the Company's portfolio of up to 6,000,000,000 (six billion) shares with a nominal value of Rp100 (one hundred Rupiah) per share.

2. Granting authority and power to the Directors with substitution rights and first obtaining approval from the Company's Board of Commissioners to take all necessary procedures in connection with the PMHMETD implementation by taking into account all applicable laws including but not limited to:a) Determining the total shares to be submitted in PMHMETD.b) Stipulating the price of PMHMETD implementation by

deeming the applicable laws and regulations.c) Ascertaining the timetable for PMHMETD implementation

and its requirements.

Sudah direalisasikanHave been realised

Extraordinary General Meeting of Shareholders on June 28, 2018

Minutes of Extraordinary General Meeting of Shareholders have been ratified in Deed No. 51 Notary M. Nova Faisal SH., M.Kn., dated on June 28, 2018.







KeputusanDecisions


2 Persetujuan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHEMTD) sebagaimana diatur dalam Peraturan No.38/POJK.04/2014 tanggal 29 Desember 2014 dalam rangka Program Kepemilikan Saham baik untuk Program Manajemen & Employee Stock Options Plan (MESOP) dan Program Long Term Insentif (LTI) sebagaimana diatur dalam Peraturan No, 45/POJK.03/2015 tanggal 23 Desember 2015

Approval of Capital Increase without Pre-emptive Rights (PMTHEMTD) as stipulated in Regulation No.38/POJK.04/2014 dated on December 29, 2014, in the frame of the Shares Ownership Program for both the Management & Employee Stock Options Plan (MESOP) Program and the Long Term Program Incentives (LTI) as stipulated in Regulation No. 45/POJK.03/2015 dated on December 23, 2015

1. Menyetujui Penambahan Modal Perseroan Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHMETD) untuk Program Manajemen & Employee Stock Options Plan (MESOP), sebanyak-banyaknya 350.000.000 (tiga ratus lima puluh juta) lembar saham dengan nilai nominal Rp100 (seratus Rupiah) per lembar saham dengan memperhatikan Peraturan OJK No.38/POJK.04/2014 tanggal 29 Desember 2014

2. Memberikan wewenang dan kuasa kepada Direksi dengan persetujuan dari Dewan Komisaris Perseroan untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan PMTHMETD dengan memperhatikan seluruh peraturan perundangan yang berlaku termasuk tetapi tidak terbatas pada :a) Menetapkan ketentusan dan persyaratan Program MESOP b) Menetapkan harga pelaksanaan Program MESOP dengan

mengacu pada peraturan pencatatan PT Bursa Efek Indonesia No. Kep 00001/BEI/01/2014 tanggal 20 Januari 2014

c) Melakukan segala tindakan yang diperlukan dalam rangka PMTHMETD.

1. Approving the Capital Increase of the Company without Pre-emptive Rights (PMTHMETD) for the Management & Employee Stock Options Plan (MESOP), as much as 350,000,000 (three hundred and fifty million) shares with a nominal value of Rp100 (one hundred Rupiah) per share with due observance of FSA Regulation No.38/POJK.04/2014 dated on December 29, 2014.

2. Granting authority and power to the Directors with the approval of the Company's Board of Commissioners to take all necessary operations in terms of the PMTHMETD implementation by envisaging the whole applicable laws, including but not limited to:a) Outlining the terms and conditions of the MESOP Program.b) Ascertaining the price for the implementation of the MESOP

Program by referring to the listing regulations of PT Bursa Efek Indonesia No. Kep 00001/BEI/01/2014 dated on January 20, 2014.

c) Conducting the entire necessary efforts within the framework of PMTHMETD.


3 Pemberian kuasa bagi Dewan Komisaris Perseroan untuk melakukan penyesuaian permodalan setelah pelaksanaan Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu (PMHMETD) dan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHEMTD)

Granting power of attorney for the Company's Board of Commissioners to make capital adjustments after the implementation of Capital Increase with Pre-emptive Rights (PMHMETD) and Capital Increase without Pre-emptive Rights (PMTHEMTD)

1. Menyetujui memberikan kuasa bagi Dewan Komisaris Perseroan untuk penyesuaian modal ditempatkan dan disetor penuh setiap dilakukan penerbitan saham baru sebagai akbiat pelaksanaan Prgram MESOP dengan demikian mengubah Pasal 4 Ayat 2 Anggaran Dasar Perseroan, dengan ketentuan: a) Pemberian kuasa tersebut diberikan untuk jangka waktu 1

(satu) tahun terhitung sejak tanggal rapatb) Dewan Komisaris wajib melaporkan setiap penambahan

modal baik dalam rangka PMHMETD dan PMTHMETD kepada Rapat Umum Pemegang Saham

c) Pemberian kuasa tersebut dapat diperpanjang dengan persetujuan Rapat Umum Pemegang Saham sampai batas akhir pelaksanaan PMHMETD dan PMTHMETD untuk Program MESOP








KeputusanDecisions


1. Approving to authorise the Board of Commissioners of the Company to settle the issued and fully-paid capital every time a brand-new share is issued as a result of the MESOP Program implementation thereby amending Article 4 Paragraph 2 of the Company's Articles of Association, with the following stipulations:a) The authorisation is granted for a period of 1 (one) year from

the date of the meeting.b) The Board of Commissioners must report any additional

capital in the context of PMHMETD and PMTHMETD to the General Meeting of Shareholders

c) The authorisation can be extended with the approval of the General Meeting of Shareholders until the deadline for the implementation of PMHMETD and PMTHMETD for the MESOP Program.

4 Perubahan Susunan Pengurus Perseroan

Changes in the composition of the Company's Management

1. Memberhentikan dengan hormat : HEXANA TRI SASONGKO sebagai Komisaris Utama/Independen

dengan menyampaikan ucapan terima kasih dan pemberian penghargaan atas kerjasama dan sumbangsihnya selama ini kepada Perseroan.

2. Memberikan wewenang kepada Dewan Komisaris untuk mengatur pelaksanaan tugas dan tanggung jawab Dewan Komisaris sampai dengan Rapat Umum Pemegang Saham menetapkan Komisaris Utama.

Sehingga susunan Dewan Komisaris dan Perseroan selengkapnya menjadi sebagai berikut :

Dewan Komisaris :Komisaris Utama : Akan ditetapkan kemudianKomisaris Independen : Anna Maria Tjiadarma*)Komisaris Independen : Heru SukantoKomisaris : Edwind Sinaga*)

*) berlaku efektif sejak dinyatakan lulus dalam penilaian kemampuan dan

kepatutan (fit & proper test) yang dilaksanakan oleh Otoritas Jasa Keuangan

(OJK).

1. Respectfully dismissing: HEXANA TRI SASONGKO as the President/Independent

Commissioner by expressing his appreciation and recognition for his cooperation and contributions to the Company.

2. Granting authority to the Board of Commissioners to govern the implementation of the duties and responsibilities of the Board of Commissioners until the General Meeting of Shareholders organises the President Commissioner. Thus, the thoroughgoing composition of the Board of Commissioners and the Company is as follows:

Board of Commissioners:President Commissioner: Will be determined, momentarilyIndependent Commissioner: Anna Maria Tjiadarma *)Independent Commissioner: Heru SukantoCommissioner: Edwind Sinaga *)

*) is effective since declared passed the fit and proper test conducted by the Financial Services Authority (OJK).







DEWAN KOMISARISBOARD OF COMMISSIONERS

Dewan Komisaris adalah Organ Perusahaan yang berfungsi melakukan pengawasan secara umum dan/atau secara khusus kepada Direksi Perseroan. Pengangkatan dan pemberhentian anggota Dewan Komisaris dilaksanakan didalam RUPS, oleh karenanya Dewan Komisaris melaporkan hasil pengawasannya kepada Pemegang Saham.

Pedoman Kerja/Piagam Dewan Komisaris

BRI Agro telah menyusun pedoman tata kerja bagi Dewan Komisaris sebagai acuan dan petunjuk pelaksanaan tugas, yang telah diberlakukan sejak 16 November tahun 2011 dan ditetapkan dalam Surat Keputusan Dewan Komisaris No. SK/DK-78/7-XI/2013 Tentang Pedoman Kerja Dewan Komisaris dan Organisasi Pendukung PT Bank Rakyat Indonesia Agroniaga Tbk (BRI AGRO) untuk kemudian melakukan beberapa revisi dalam Surat Keputusan Dewan Komisaris No. SK/DK-01/17-XII/2014 Tentang Revisi Pedoman Kerja DewanKomisaris, Komite Audit, Komite Pemantau Risiko dan Sekretaris Dewan Komisaris, tanggal 17 Desember 2014 dan yang terakhir adalah Surat Keputusan Dewan Komisaris No Kpts B.02/KOM/SKP/12/2019 tanggal 18 Desember 2019 tentang Pedoman dan Tata Kerja Dewan Komisaris, Komite Audit, Komite Remunerasi dan Nominasi, Komite Pemantau Risiko dan Sekretaris Dewan Komisaris.

Pedoman kerja Dewan Komisaris berisikan antara lain:

1. Tugas , tanggung jawab dan wewenang2. Etika Kerja Dewan Komisaris3. Waktu Kerja4. Komposisi Dewan Komisaris5. Tata cara Rapat6. Laporan7. Korespondensi8. Struktur Organisasi

Kriteria Dewan Komisaris

Berdasarkan Anggaran Dasar, yang dapat diangkat sebagai anggota Dewan Komisaris adalah orang-perseorangan, yang memenuhi persyaratan pada saat diangkat dan selama menjabat: 1. Wajib memenuhi ketentuan dalam :

- UUPT- Peraturan perundang-undangan di bidang pasar modal- Peraturan perundang-undangan lain yang berlaku yang

terkait dengan kegiatan usaha Perseroan

The Board of Commissioners is one of the Company’s javelins that functions to manage oversight and/or to the Directors of the Company, generally and specifically. The appointment and dismissal of members of the Board of Commissioners are performed within the GMS, hence the Board of Commissioners reports the results of its supervision to the Shareholders.

Work Guidelines/Charter of the Board of Commissioners

BRI Agro has composed work procedures for the Board of Commissioners as a recommendation and guidance for undertaking his/her duties, which have been in force since November 16, 2011, and are stipulated in the Decree of the Board of Commissioners No. SK/DK-78/7-XI/2013 Concerning the Working Guidelines of the Board of Commissioners and Supporting Organisations of PT Bank Rakyat Indonesia Agroniaga Tbk (BRI AGRO) to then make a few updates in the Decree of the Board of Commissioners No. SK/DK-01/17-XII/2014 Concerning the Revision of the Work Guidelines for the Board of Commissioners, Audit Committee, Risk Monitoring Committee, and Secretary of the Board of Commissioners, dated on December 17, 2014, and most recently the Decree of the Board of Commissioners No. Kpts B.02/KOM/SKP/12/2019 dated in December 18, 2019 concerning Guidelines and Working Procedures of the Board of Commissioners, Audit Committee, Remuneration and Nomination Committee, Risk Monitoring Committee, and Secretary of the Board of Commissioners.

The Board of Commissioners work guidelines contain, among others:1. Duties, responsibilities and authorities2. Board of Commissioners Work Ethics3. Working Time4. Board of Commissioners Composition5. Procedures for the Meeting6. Report7. Correspondence8. Organisational Structure

Criteria of the Board of Commissioners

Based on the Articles of Association, individuals who can be appointed as members of the Board of Commissioners are those who suffice the terms when being appointed and during their tenure:1. Must meet the conditions in:

- UUPT- Legislation in the capital market- Other applicable laws and regulations relating to the

Company’s business activities






2. Mempunyai akhlak, moral dan integritas yang baik3. Cakap melakukan perbuatan hukum4. Dalam waktu 5 (lima) tahun sebelum pengangkatan dan

selama menjabat:1) tidak pernah dinyatakan pailit 2) tidak pernah menjadi anggota Direksi dan atau anggota

Dewan Komisaris yang dinyatakan bersalah menyebabkan suatu perusahaan dinyatakan pailit

3) tidak pernah dihukum karena melakukan tindak pidana yang merugikan keuangan negara dan/ atau yang berkaitan dengan sektor keuangan

4) tidak pernah meniadi anggota Dewan Komisaris yang selama menjabat:a) pernah tidak menyelenggarakan RUPS tahunan b) pertanggungjawabannya sebagai anggota Direksi

dan/atau anggota Dewan Komisaris pemah tidak diterima oleh RUPS atau pernah tidak memberi pertanggungjawaban sebagai anggota Direksi dan/atau anggota Dewan Komisaris kepada RUPS

c) pernah menyebabkan perusahaan yang memperoleh izin, persetujuan atau pendaftaran dari Otoritas Jasa Keuangan tidak memenuhi kewajiban menyampaikan laporan tahunan dan/atau laporan keuangan kepada OJK.

5. Tidak menjabat sebagai Anggota Dewan Komisarisi pada perseroan selama 2 (dua) periode berturut-turut.

6. Memiliki komitmen untuk mematuhi peraturan perundang-undangan

7. Memiliki pengetahuan dan/atau keahlian di bidang yang dibutuhkan Perseroan

8. Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab untuk merencanakan, memimpin, mengendalikan atau mengawasi kegiatan Perseroan dalam waktu 6 (enam) bulan terakhir kecuali untuk pengangkatan kembali sebagai Komisaris Independen Perseroan pada periode berikutnya.

9. Tidak mempunyai saham baik langsung maupun tidak langsung pada Perseroan, tidak mempunyai hubungan afiliasi dengan Perseroan, anggota Dewan Komisaris, anggota Direksi atau Pemegang saham utama Perseroan.

10. Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yan berkaitan dengan kegiatan usaha Perseroan

Ketentuan Masa Jabatan

Di dalam Undang-Undang No. 40 Tahun 2017 tentang Perseroan Terbatas dijelaskan mengenai aturan pengangkatan dan pemberhentian keanggotaan Dewan Komisaris yang hanya dapat dilakukan oleh Pemegang Saham Pengendali yang memiliki kewenangan tertinggi dan diputuskan di dalam RUPS. Setiap kali pengangkatan dilaksanakan akan ditentukan juga masa jabatan

2. Having had good moral, behaviour, and integrity3. Having been competent in carrying out legal actions4. Within 5 (five) years before the appointment and during his

tenure:1) Have never been declared bankrupt2) Have never been a member of the Board of Directors and/

or Board of Commissioners who were found guilty of causing a company to go bankrupt

3) have never been convicted of a criminal offence that is detrimental to the country’s finances and/or related to the financial sector

4) Have never been a member of the Board of Commissioners who during his tenure:a) Have not held an annual GMSb) His responsibilities as a member of the Board of Directors

and/or member of the Board of Commissioners have never been accepted by the GMS or have never given accountability as a member of the Board of Directors and/or member of the Board of Commissioners to the GMS

c) has caused companies that obtained licenses, approvals or registrations from the Financial Services Authority not to fulfil the obligation to submit annual reports and/or financial reports to FSA.

5. Having not served as a Member of the Board of Commissioners of the company for 2 (two) consecutive periods.

6. Having committed to complying with laws and regulations

7. Having had the expertise and/or cognisance in the fields required by the Company

8. Having not been an individual who works or has the authority and responsibility to plan, lead, control, or supervise the activities of the Company within the last 6 (six) months except for reappointment as an Independent Commissioner of the Company in the following period.

9. Having not had direct or indirect shares in the Company and having no affiliation with the Company, members of the Board of Commissioners, members of the Board of Directors or major shareholders of the Company.

10. Having not had business relations, directly or indirectly, related to the Company’s business activities.

Terms of Tenure

Within the Law No. 40 of 2017 concerning Limited Liability Companies is explained about the rules for appointment and termination of the membership of the Board of Commissioners which can only be done by the Controlling Shareholders who have the highest authority and are decided at the GMS. Each time the appointment is carried out, the term of office of the Board of Commissioners is






Dewan Komisaris, dalam hal tidak menetapkan maka pengangkatan dan pemberhentian anggota Dewan Komisaris tersebut mulai berlaku sejak penutupan RUPS dan berakhir pada penutupan RUPS tahunan yang ke-3 (tiga).

Anggota Dewan Komisaris juga dapat dihentikan sewaktu-waktu dalam suatu keputusan RUPS berdasarkan kenyataan anggota Dewan Komisaris yang bersangkutan antara lain: 1. tidak/kurang dapat memenuhi kewajibannya yang telah

disepakati dalam kontrak manajemen 2. tidak dapat menjalankan tugasnya dengan baik 3. melanggar ketentuan Anggaran Dasar dan/atau peraturan

perundang-undangan yang berlaku 4. melakukan tindakan yang melanggar etika dan/atau kepatutan

yang seharusnya dihormati sebagai anggota Direksi 5. terlibat dalam tindakan yang merugikan Perseroan dan/atau

negara 6. dinyatakan bersalah dengan putusan pengadilan yang

mempunyai kekuatan hukum tetap7. mengundurkan diri 8. alasan lainnya yang dinilai tepat oleh RUPS demi kepentingan

dan tujuan Pcrseroan.

NamaName

JabatanPosition

Masa JabatanTerms of Service

Anna Maria Tjiadarma Plt. Komisaris Utama/ Komisaris IndependenActing (ACT) President Commissioner/Independent Commissioner

6 Desember 2017 – 6 Desember 2021**December 6, 2017 – December 6, 2021

A.Y. Soepadmo Komisaris IndependenIndependent Commissioner

26 Juni 2019 – 26 Juni 2022June 26, 2019 – June 26, 2022

I.B.K. Suamba Manuaba*) Komisaris Commissioner

26 Juni 2019 – 26 Juni 2022June 26, 2019 – June 26, 2022


**) Menyesuaikan dengan masa jabatan yang baru yaitu 3 (tiga) tahun.

Susunan, Jumlah, Komposisi dan Dasar Pengangkatan Anggota Dewan Komisaris Tahun 2019

Komposisi dan jumlah anggota Dewan Komisaris ditetapkan oleh RUPS dengan memperhatikan visi, misi, dan rencana strategis Perseroan untuk memungkinkan pengambilan keputusan yang efektif, tepat dan cepat, serta dapat bertindak secara independen.

Komposisi Dewan Komisaris BRI Agro per tanggal 31 Desember 2019 berjumlah 3 (tiga) orang, dengan susunan sebagai berikut:

also determined, should it not stipulate, then the appointment and dismissal of the members of the Board of Commissioners would take effect from the closing of the GMS and end at the close of the 3rd (third) annual GMS.

Members of the Board of Commissioners may also be terminated at any time in a GMS decision based on the fact that the members of the Board of Commissioners concerned incorporate:1. Not being/being less able to fulfil its obligations agreed in the

management contract2. Being unable to carry out their duties properly3. Violating the provisions of the Articles of Association and/or

applicable laws and regulations4. Taking actions disrupting ethics and/or propriety that should

be respected as members of the Board of Directors5. Being involved in actions that are detrimental to the Company

and/or the state6. Being found guilty with a court decision that has permanent

legal force7. Resigning8. Other reasons being regarded relevant by the GMS for the

interests and objectives of the Company.


**) Adjusting to the new term of office which is 3 (three) years.

Structure, Number, Composition, and Basis of Appointment of Members of the Board of Commissioners in 2019

The composition and number of members of the Board of Commissioners are defined by the General Meeting of Shareholders by considering the Company’s vision, mission, and strategic plan to invest effective, precise, and quick decision-making and can act, independently.

The composition of the BRI Agro Board of Commissioners as of December 31, 2019, totalled 3 (three) people, with the following composition:






NamaName

JabatanPosition

Dasar PengangkatanBasis of Appointment

Anna Maria Tjiadarma Plt. Komisaris Utama/ Komisaris Independen

Acting (ACT) President Commissioner/Independent Commissioner

Sebagai Komisaris Independen: RUPS LB tanggal 6 Desember 2017, sebagai Plt Komisaris Utama : SK Dekom No. B.82/DK-XI/2019 tanggal 27 November 2019

As an Independent Commissioner: EGMS on December 6, 2017, as Acting (ACT) President Commissioner: Decree of the Board of Commissioners No. B.82/DK-XI/2019 dated on November 27, 2019,


RUPS LB tanggal 26 Juni 2019EGMS dated on June 26, 2019

I.B.K. Suamba Manuaba*) Komisaris Commissioner

RUPS LB tanggal 26 Juni 2019EGMS dated on June 26, 2019


Penilaian Kemampuan dan Kepatutan

Sesuai dengan Peraturan Otoritas Jasa Keuangan Nomor 27/POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan menyebutkan bahwa calon anggota Dewan Komisaris wajib memperoleh persetujuan dari Otoritas Jasa Keuangan sebelum menjalankan tindakan, tugas, dan fungsinya sebagai Dewan Komisaris. Anggota Dewan Komisaris yang telah lulus fit and proper tanpa catatan dan telah mendapat persetujuan dari Otoritas Jasa Keuangan, mengindikasikan bahwa setiap anggota Dewan Komisaris memiliki integritas, kompetensi dan reputasi keuangan yang memadai.

Dasar Pengangkatan dan persetujuan Uji Kemampuan dan Kepatutan OJK tiap anggota Dewan Komisaris, adalah sebagaimana tabel di bawah ini:

NamaName

JabatanPosition

Persetujuan OJKFSA Agreement



Surat Nomor KEP-96/D.03/2018 Tanggal 17 Mei 2018

Letter Number KEP-96/D.03/2018 dated on May 17, 2018


Surat Nomor KEP-210/D.03/2018 Tanggal 21 November 2019Letter Number KEP-210/D.03/2018 dated on November 21, 2019

I.B.K. Suamba Manuaba *) Komisaris Comissioner

Sedang dalam pengajuan Uji Kemampuan dan Kepatutan OJKIn the submission of FSA’s Competence and Compliance Test, currently.


Kepemilikan Saham Dewan Komisaris

Sebagai wujud penerapan prinsip transparansi dalam tata kelola Perseroan, seluruh anggota Dewan Komisaris BRI Agro mengungkapkan bahwa tidak satupun anggota yang memiliki


Assessment of Competency and Compliance

Under the Financial Services Authority Regulation No. 27/POJK.03/2016 concerning the Assessment of Capability and Compliance for Main Parties of the Financial Services Institution, it is stated that prospective members of the Board of Commissioners must obtain approval from the Financial Services Authority before carrying out their actions, duties and functions as a Board of Commissioners. Members of the Board of Commissioners who have passed fit and proper without records and have received approval from the Financial Services Authority indicate that each member of the Board of Commissioners has adequate integrity, competence and financial reputation.

The basis for the appointment and approval of the FSA Competency and Compliance Test for each member of the Board of Commissioners is as the table below:


Board of Commissioners’ Shares Ownership

As an indication of the principal application of transparency in the governance of the Company, all members of the BRI Agro Board of Commissioners revealed that none of the members owned






saham, baik dalam Perseroan atau bahkan pada bank dan perusahaan lainnya sesuai dengan aturan OJK yang tertera dalam POJK No. 55/POJK.03 tahun 2016 tentang GCG Bank Umum pasal 39 ayat 1 mengenai aspek transparansi Dewan Komisaris yaitu:

Anggota Dewan Komisaris wajib mengungkapkan kepemilikan saham yang mencapai 5% (lima persen) atau lebih, baik pada Bank yang bersangkutan maupun pada bank dan perusahaan lain, yang berkedudukan di dalam dan di luar negeri.

NamaName

JabatanPosition

Kepemilikan Saham (lembar saham)Share Ownership (share)

BRI Agro Bank LainOther Banks

Lembaga Keuangan Non Bank

Non-Bank financial institutions

Perusahaan Lain

Other Companies



NihilNone

NihilNone

NihilNone

NihilNone


NihilNone

NihilNone

NihilNone

NihilNone

I.B.K. Suamba Manuaba*) Komisaris Comissioner

NihilNone

NihilNone

NihilNone

NihilNone


Kebijakan Rangkap Jabatan Dewan Komisaris

Sebagaimana diatur di dalam Peraturan OJK Nomor 55/ POJK.03/2016 Tentang GCG Bank Umum pasal 28 dinyatakan bahwa : 1. Anggota Dewan Komisaris dilarang melakukan rangkap jabatan

sebagai anggota Direksi, anggota Dewan Komisaris atau Pejabat Eksekutif: - pada lembaga keuangan atau perusahaan keuangan, baik

bank maupun bukan bank; - pada lebih dari 1 (satu) lembaga bukan keuangan atau

perusahaan bukan keuangan, baik yang berkedudukan di dalam maupun di luar negeri

2. Tidak termasuk rangkap jabatan sebagaimana dimaksud pada ayat (1) dalam hal: - anggota Dewan Komisaris menjabat sebagai anggota

Direksi, anggota Dewan Komisaris atau Pejabat Eksekutif yang melaksanakan fungsi pengawasan pada 1 (satu) perusahaan anak bukan bank yang dikendalikan oleh Bank;

- Komisaris Non Independen menjalankan tugas fungsional dari pemegang saham Bank yang berbentuk badan hukum pada kelompok usaha Bank; dan/atau

- Anggota Dewan Komisaris menduduki jabatan pada organisasi atau lembaga nirlaba.

shares, either in the Company or even in banks and other companies under the FSA rules stated in POJK No. 55/POJK.03 year 2016 concerning Commercial Bank GCG article 39 paragraph 1 concerning the transparency aspects of the Board of Commissioners, namely:

Members of the Board of Commissioners must disclose share ownership of 5% (five per cent) or more, both in the Bank concerned and in other banks and companies, domiciled domestically and abroad.


Board of Commissioners’Concurrent Policy

As regulated in FSA Regulation Number 55/POJK.03/2016 concerning GCG for Commercial Banks article 28 states that:1. Members of the Board of Commissioners are prohibited from

holding concurrent positions as members of the Board of Directors, members of the Board of Commissioners or Executive Officers:- At financial institutions or financial companies, both banks

and non-banks;- In more than 1 (one) non-financial institution or non-

financial company, both domiciled inside and outside the country

2. Excluding concurrent positions as referred to in paragraph (1) in case:- members of the Board of Commissioners serve as members

of the Board of Directors, members of the Board of Commissioners or Executive Officers who carry out supervisory functions in 1 (one) non-bank subsidiary company controlled by the Bank;

- Non-Independent Commissioners carry out functional tasks from Bank shareholders in the form of legal entities in the Bank business group; and/or

- Members of the Board of Commissioners hold positions in non-profit organisations or institutions.






3. Tugas dalam jabatan dan fungsi sebagaimana dimaksud pada ayat (2) dapat dilaksanakan sepanjang yang bersangkutan tidak mengabaikan pelaksanaan tugas dan tanggung jawab sebagai anggota Dewan Komisaris Bank

Hingga akhir tahun 2019, anggota Dewan Komisaris menyatakan bahwa tidak ada Komisaris Independen BRI Agro yang memiliki jabatan di bank, perusahaan, instansi dan lembaga keuangan atau non keuangan lainnya.

Hubungan Afiliasi Dewan Komisaris

Mengenai hubungan afiliasi Dewan Komisaris juga telah diatur dalam Peraturan OJK No. 55/ POJK.03 tahun 2016 tentang GCG Bank Umum pasal 29 yaitu mayoritas anggota Dewan Komisaris dilarang saling memiliki hubungan keluarga sampai dengan derajat kedua dengan sesama anggota Dewan Komisaris dan/atau anggota Direksi seta pasal 39 ayat 2 mengenai aspek transparansi Dewan Komisaris yaitu anggota Dewan Komisaris wajib mengungkapkan hubungan keuangan dan hubungan keluarga dengan anggota Dewan Komisaris lain, anggota Direksi dan/atau pemegang saham pengendali Bank.

Hal tersebut dapat dilihat dalam tabel berikut ini;

Hubungan Keuangan DenganFinancial Relationship With

Hubungan Keluarga DenganFamily Relationship With Hubungan

KepengurusanManagement Relationship

Dewan KomisarisBoard of

Commissioners


Pemegang Saham

Shareholders


Commissioners


Pemegang Saham

Shareholders

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

Anna Maria Tjiadarma

Plt. Komisaris Utama/ Komisaris Independen


√ √ √ √ √ √ √


√ √ √ √ √ √ √

I.B.K. Suamba Manuaba*)

Komisaris Comissioner

√ √ √ √ √ √ √


3. Duties in functions and functions as referred to in paragraph (2) can be carried out as long as the person concerned does not neglect the implementation of duties and responsibilities as a member of the Board of Commissioners of the Bank.

Until the end of 2019, members of the Board of Commissioners stated that there was no BRI Agro Independent Commissioners that held positions in banks, companies, institutions and other financial or non-financial institutions.

Affiliation of the Board of Commissioners

Regarding the affiliation of the Board of Commissioners’ affiliation, it has also been regulated in OJK Regulation No. 55/POJK.03 2016 concerning Commercial Bank GCG article 29, namely the majority of members of the Board of Commissioners are prohibited from having family relations to the second degree with fellow members of the Board of Commissioners and/or members of the Board of Directors under Article 39 paragraph 2 concerning aspects of transparency of the Board of Commissioners, namely members of the Board of Commissioners must disclose financial and family relations with other members of the Board of Commissioners, members of the Board of Directors and/or controlling shareholders of the Bank.

The explanation is expounded on the following table:







Tugas dan Tanggung Jawab

Penjabaran mengenai tugas dan tanggung jawab Dewan Komisaris telah dicantumkan dalam Pedoman kerja Dewan Komisaris sebagai berikut:

a. Melakukan pengawasan dan bertanggung jawab atas pengawasan terhadap kebijakan pengurusan, jalannya pengurusan pada umumnya baik mengenai Perseroan maupun usaha Perseroan;

b Melaksanakan pengawasan terhadap pelaksanaan tugas dan tanggung jawab Direksi Perseroan serta memberikan nasihat kepada Direksi Perseroan;

c. Memastikan penerapan Tata Kelola yang baik terselenggara dalam setiap kegiatan usaha Bank pada seluruh tingkatan atau jenjang organisasi;

d. Mengarahkan, memantau, dan mengevaluasi pelaksanaan kebijakan strategis Bank;

e. Dalam melaksanakan pengawasan, Dewan Komisaris dilarang ikut serta dalam pengambilan keputusan kegiatan operasional Bank, kecuali: 1. Penyediaan dana kepada pihak terkait sebagaimana diatur

dalam ketentuan mengenai batas maksimum pemberian kredit bank umum; dan

2. Hal-hal lain yang ditetapkan dalam anggaran dasar Bank atau peraturan perundang-undangan.

f. Dalam rangka mendukung efektivitas pelaksanaan tugas dan tanggung jawab, Dewan Komisaris wajib membentuk paling sedikit: 1. Komite Audit; 2. Komite Pemantau Risiko; dan 3. Komite Remunerasi dan Nominasi.

Dewan Komisaris dapat membentuk Komite Remunerasi dan Komite Nominasi sebagaimana dimaksud pada huruf h butir 3 secara terpisah.

g. Pengangkatan dan pemberhentian anggota komite sebagaimana dimaksud pada butir h wajib dilakukan oleh Direksi berdasarkan keputusan rapat Dewan Komisaris.

h. Melakukan pengawasan aktif terhadap Fungsi Kepatuhan, dengan: 1. Mengevaluasi pelaksanaan Fungsi Kepatuhan Bank paling

sedikit 2 (dua) kali dalam satu tahun; dan 2. Memberikan saran untuk meningkatkan kualitas pelaksanaan

Fungsi Kepatuhan Bank kepada Direktur Utama Perseroan dengan tembusan kepada Direktur Perseroan yang membawahkan Fungsi Kepatuhan;

i. Wajib memastikan bahwa Direksi telah menindaklanjuti temuan audit dan rekomendasi dari Satuan Kerja Audit Intern Bank, auditor ekstern, hasil pengawasan Otoritas Jasa Keuangan dan/atau hasil pengawasan otoritas lain.

j. Wajib melaporkan kepada Otoritas Jasa Keuangan paling lambat 7 (tujuh) hari kerja sejak ditemukan: 1. Pelanggaran peraturan perundang-undangan di bidang

keuangan dan perbankan; dan/atau

Duties and Responsibilities

An exegesis of the duties and responsibilities of the Board of Commissioners has been included in the Board of Commissioners work guidelines as follows:

a. Supervise and be responsible for supervising the management policies, the general management of the Company and the Company's business;

b. Carry out oversight of the implementation of the duties and responsibilities of the Company's Directors and provide advice to the Directors of the Company;

c. Ensuring that good governance is implemented in every business activity of the Bank at all organizational levels or levels;

d. Directing, monitoring, and evaluating the implementation of the Bank's strategic policies;

e. In carrying out supervision, the Board of Commissioners is prohibited from taking part in making decisions on bank operational activities, except:1. Provision of funds to related parties as stipulated in the

provisions concerning the maximum lending limit for commercial banks; and

2. Other matters stipulated in the Bank's articles of association or laws and regulations.

f. In order to support the effectiveness of the implementation of duties and responsibilities, the Board of Commissioners must establish at least:1. Audit Committee;2. Risk Monitoring Committee; and3. Remuneration and Nomination Committee.

The Board of Commissioners may form a Remuneration Committee and Nomination Committee as referred to in letter h item 3 separately.

g. The appointment and dismissal of the committee members as referred to in item h must be carried out by the Directors based on the decision of the Board of Commissioners meeting.

h. Perform active supervision of the Compliance Function, by:1. Evaluate the implementation of the Bank's Compliance

Function at least 2 (two) times in one year; and2. Provide suggestions to improve the quality of the

implementation of the Bank's Compliance Function to the President Director of the Company with a copy to the Director of the Company in charge of the Compliance Function;

i. Must ensure that the Board of Directors has followed up on audit findings and recommendations from the Bank's Internal Audit Work Unit, external auditor, the results of the supervision of the Financial Services Authority and / or the results of supervision of other authorities.

j. Must report to the Financial Services Authority no later than 7 (seven) working days after being found:1. Violation of laws and regulations in the financial and

banking sector; and / or






2. Keadaan atau perkiraan keadaan yang dapat membahayakan kelangsungan usaha Bank

k. Mengusulkan penunjukan Akuntan Publik (AP) dan/atau Kantor Akuntan Publik (KAP) yang akan memberikan jasa audit atas informasi keuangan historis tahunan kepada Rapat Umum Pemegang Saham

l. Melaksanakan paling sedikit: 1. Pengawasan terhadap penerapan kebijakan Remunerasi;

dan 2. Evaluasi secara berkala atas kebijakan Remunerasi atas

dasar hasil pengawasan sebagaimana dimaksud pada butir l.1 di atas;

m. Mengusulkan calon anggota Direksi dan/ atau Komisaris untuk disampaikan kepada RUPS

n. Menyetujui dan mengevaluasi kebijakan Manajemen Risiko dan pertanggungjawaban Direksi atas pelaksanaan kebijakan Manajemen Risiko

o. Mengevaluasi dan memutuskan permohonan Direksi yang berkaitan dengan transaksi yang memerlukan persetujuan Dewan Komisaris.

p. Memberikan persetujuan serta melakukan pengawasan terhadap pelaksanaan rencana kerja Perseroan yang terdiri dari:1. Rencana Jangka Panjang Perseroan (RJPP);2. Rencana Bisnis Bank (RBB);3. Rencana Kerja dan Anggaran Perseroan (RKAP);4. Rencana Kerja lainnya yang disiapkan Direksi Perseroan.

q. Menelaah Laporan Berkala dan Laporan Tahunan yang disiapkan Direksi serta menandatangani Laporan Tahunan;

r. Melaporkan kepada Perseroan mengenai kepemilikan sahamnya dan/atau keluarganya pada Perseroan tersebut dan Perseroan lain ;

s. Terkait pelaksanaan Rapat Umum Pemegang Saham, Dewan Komisaris wajib: 1. Memberikan laporan tentang tugas pengawasan yang

telah dilakukan selama tahun buku yang baru lampau.2. Memberikan pendapat dan saran mengenai masalah yang

dianggap penting bagi kepengurusan Perseroan;3. Melaporkan apabila terjadi gejala menurunnya kinerja

Perseroan;4. Memberikan penjelasan, pendapat dan saran mengenai

Laporan Tahunan apabila diminta; Melaksanakan kewajiban lainnya dalam rangka tugas

pengawasan dan pemberian nasihat, sepanjang tidak bertentangan dengan Peraturan Perundangan-undangan, Anggaran Dasar, dan / atau Keputusan Rapat Umum Pemegang Saham.

Hak dan Wewenang

Hak1. Anggota Dewan Komisaris berhak diberikan honorarium dan

tunjangan fasiliias termasuk tantiem dan santunan purna jabatan yang jenis dan jumlahnya ditetapkan oleh RUPS

2. Circumstance or prediction that may endanger the business continuity of the Bank

k. Propose the appointment of a Public Accountant (AP) and / or a Public Accounting Firm (KAP) who will provide audit services on annual historical financial information to the General Meeting of Shareholders

l. Implement at least:1. Oversight of the implementation of the Remuneration

policy; and2. Periodic evaluation of the Remuneration policy based on

the results of supervision as referred to in point l.1 above;

m. Propose candidates for Directors and / or Commissioners to be submitted to the GMS

n. Approve and evaluate the Risk Management policy and the accountability of the Directors for implementing the Risk Management policy

o. Evaluate and decide on Directors' requests related to transactions that require the approval of the Board of Commissioners.

p. Give approval and supervise the implementation of the Company's work plan consisting of:

1. The Company's Long Term Plan (RJPP);2. Bank Business Plan (RBB);3. Work Plan and Budget of the Company (RKAP);4. Other Work Plans prepared by the Company's Directors.

q. Reviewing the Periodic Report and Annual Report prepared by the Directors and signing the Annual Report;

r. Report to the Company regarding ownership of its shares and/ or their families in the Company and other companies;

s. Regarding the General Meeting of Shareholders, the Board of Commissioners must:1. Provide reports on supervisory tasks that have been carried

out during the new financial year.2. Providing opinions and suggestions regarding issues

considered important to the management of the Company;3. Reporting if there are symptoms of a decline in the

Company's performance;4. Provide explanations, opinions and suggestions regarding

the Annual Report when requested; Carry out other obligations in the framework of the task

supervision and giving advice, as long as it's not contrary to statutory regulations, Articles of Association, and / or General Meeting Resolutions Stock.

Rights and Authorities

Rights1. Members of the Board of Commissioners are entitled to be

given honorariums and facilities allowances including tantiem, and post-service compensation of the type and amount






dengan memperhatikan ketentuan Peraturan-undangan yang berlaku.

2. Berhak melakukan pembagian kerja diantara para anggota Dewan Komisaris diatur oleh mereka sendiri dan untuk kelancaran tugasnya Dewan Komisaris dapat dibantu oleh Sekretaris Dewan Komisaris yang diangkat oleh Dewan Komisaris atas beban Perseroan.

3. Seorang anggota Dewan Komisaris dapat mengundurkan diri dari jabatannya sebelum masa jabatannya berakhir dengan memberitahukan secara tertulis mengenai maksudnya tersebut kepada Perseroan dengan tembusan kepada Pemegang Saham, Direksi dan anggota Dewan Komisaris lainnya sekurang-kurangnya 30 (tiga puluh hari) sebelum tanggal pengunduran dirinya.

Wewenang1. Memeriksa buku-buku, surat-surat, serta dokumen-dokumen

lainnya, memeriksa kas untuk keperluan verifikasi dan lain-lain surat berharga, dan memeriksa kekayaan Perseroan.

2. Memasuki pekarangan, gedung, dan kantor yang dipergunakan oleh Perseroan.

3. Meminta penjelasan dari Direksi dan/atau pejabat lainnya mengenai segala persoalan yang menyangkut pengelolaan Perseroan.

4. Mengetahui segala kebijakan dan tindakan yang telah dan akan dijalankan oleh Direksi.

5. Meminta Direksi dan/atau pejabat lainnya di bawah Direksi dengan sepengetahuan Direksi untuk menghadiri rapat Dewan Komisaris.

6. Memberhentikan sementara anggota Direksi sesuai dengan ketentuan Anggaran Dasar.

7. Membentuk Komite Audit, Komite Pemantau Risiko, Komite Remunerasi dan Nominasi dan komite-komite lain, jika dianggap perlu dengan memperhatikan kemampuan Perseroan.

8. Menggunakan tenaga ahli untuk hal tertentu dan dalam jangka waktu tertentu atas beban Perseroan, jika dianggap perlu.

9. Melakukan tindakan pengurusan Perseroan dalam keadaan tertentu untuk jangka waktu tertentu sesuai dengan ketentuan Anggaran Dasar.

10. Menghadiri rapat Direksi dan memberikan pandangan-pandangan terhadap hal-hal yang dibicarakan.

11. Menjalankan kewenangan yang diberikan oleh RUPS antara lain:a) Menentukan gaji / honorarium Direksib) Melakukan hapus tagih

12. Memberikan persetujuan kebijakan manajemen risiko yang dibuat oleh Direksi.

13. Melaksanakan kewenangan pengawasan lainnya sepanjang tidak bertentangan dengan peraturan perundang-undangan, Anggaran Dasar, dan/atau keputusan Rapat Umum Pemegang Saham.

determined by the GMS with due regard to the provisions of the prevailing regulations.

2. The rights to divide the work among the members of the Board of Commissioners is regulated by themselves and for the smooth running of their duties, the Board of Commissioners can be assisted by the Secretary of the Board of Commissioners who is appointed by the Board of Commissioners at the Company’s expense.

3. A member of the Board of Commissioners may resign from his position before his term ends by giving written notice of his intention to the Company with a copy to Shareholders, Directors and other members of the Board of Commissioners at least 30 (thirty days) before the date of his resignation.

Authorities1. Checking books, documents and other documents, checking

cash for verification purposes and other securities, and checking the Company’s assets.

2. Entering the grounds, buildings, and offices used by the Company.

3. Requesting clarification from the Directors and/or other officials regarding all issues relating to the management of the Company.

4. Noticing the whole policies and actions that have been and will be performed by the Directors.

5. Requesting the Directors and/or other officials under the Directors with the knowledge of the Directors to attend the Board of Commissioners’ meeting.

6. Temporarily dismissing members of the Board of Directors under the provisions of the Articles of Association.

7. Establishing an Audit Committee, Risk Monitoring Committee, Remuneration and Nomination Committee and other committees, if deemed necessary by deeming the ability of the Company.

8. Using experts for certain things and within a certain period at the expense of the Company, if deemed necessary.

9. Performing management of the Company in certain circumstances for a certain period under the provisions of the Articles of Association.

10. Attending the Board of Directors’ meeting and giving views on matters discussed.

11. Carrying out the authorities granted by the GMS, among others:

a) Determining the Directors’ salary/honorarium.b) Performing write-offs.

12. Approving the risk management policy made by the Directors

13. Carrying out other supervisory authorities as long as they do not conflict with the laws and regulations, the Articles of Association, and/or decisions of the General Meeting of Shareholders.






Pembagian Tugas Dewan Komisaris

Pembagian kerja Dewan Komisaris juga telah diatur di dalam Pedoman Kerja Dewan Komisaris dan untuk kelancaran tugasnya Dewan Komisaris dapat mengangkat seorang Sekretaris Dewan Komisaris. Pembagian kerja Dewan Komisaris sebagai berikut:

1. Komisaris Utama / Komisaris Independen melakukan tugas-tugas koordinasi dari semua kegiatan anggota Dewan Komisaris.

2. Komisaris Independen:- Mengetuai komite yang dibentuk Dewan Komisaris yaitu

Komite Audit, Komite Pemantau Risiko dan Komite Remunerasi dan Nominasi.

3. Komisaris mewakili pemegang saham dari BRI:- memperjuangkan kepentingan perusahaan dalam

mengembangkan usahanya agar disetujui oleh BRI.- mensinergikan kegiatan perusahaan dengan BRI bagi

pengembangan perusahaan.

Etika Kerja

Dalain melaksanakan tugas, wewenang, kewajiban, dan tanggung jawab sebagaimana dimaksud di atas, anggota Dewan Komisaris harus senantiasa bertindak sesuai dengan etika kerja sebagai berikut:1. Mematuhi Anggaran Dasar dan peraturan perundang - undangan

serta prinsip-prinsip profesionalisme, efisiensi, transparansi, kemandirian, akuntabilitas, pertanggungjawaban, serta kewajaran.

2. Beritikad baik, penuh kehati-hatian, dan bertanggung jawab dalam menjalankan tugas pengawasan dan pemberian nasihat kepada Direksi untuk kepentingan Perseroan dan sesuai dengan maksud dan tujuan Perseroan.

3. Tidak boleh dipengaruhi oleh pihak lain dalam melaksanakan tugas dan pengambilan keputusan yang menyebabkan penyalahgunaan wewenang dan/atau pembuatan keputusan yang tidak tepat.

4. Dilarang memanfaatkan Perseroan untuk kepentingan pribadi, keluarga, dan/atau pihak lain yang dapat merugikan atau mengurangi keuntungan Perseroan.

5. Dilarang mengambil dan/atau menerima keuntungan pribadi dari Perseroan selain remunerasi dan fasilitas lainnya yang ditetapkan.

6. Dilarang melakukan transaksi yang mempunyai benturan kepentingan yang merugikan perusahaan dan/atau mengambil keuntungan pribadi dari kegiatan Perseroan selain honorarium, tunjangan dan fasilitas yang diterimanya sebagai Anggota Dewan Komisaris.

7. Dalam hal terdapat benturan kepentingan baik secara langsung maupun tidak langsung terhadap suatu transaksi, kontrak atau kontrak yang diusulkan dalam mana Perseroan menjadi salah satu pihaknya, maka anggota Dewan Komisaris :

Distribution of Duties of the Board of Commissioners

The division of work of the Board of Commissioners has also been regulated in the Board of Commissioners Work Guidelines and for the smooth-running act of its duties the Board of Commissioners can appoint a Secretary of the Board of Commissioners. The division of work of the Board of Commissioners is as follows:1. The President Commissioner/Independent Commissioner

carries out the coordination tasks of all the activities of the members of the Board of Commissioners:

2. Independent Commissioner:- Chairing the committee formed by the Board of

Commissioners viz., Audit Committee, Risk Monitoring Committee and Committee Remuneration and Nomination

3. Commissioners represent the shareholders of BRI- Fighting for the interests of the Company in developing

its business to be approved by BRI.- Synchronising company activities with BRI for company

development.

Work Ethics

In carrying out its duties, authorities, obligations and responsibilities as mentioned above, members of the Board of Commissioners must always act in accordance with the following work ethics:

1. Complying with the Articles of Association and laws and regulations and the principles of professionalism, efficiency, transparency, independence, accountability, responsibility, and fairness.

2. Having good intentions, prudence, and responsibility in carrying out supervisory duties and providing advice to the Directors for the interests of the Company and in accordance with the aims and objectives of the Company.

3. May not be influenced by other parties in carrying out their duties and decision making which cause abuse of authority and/or improper decision-making.

4. It is forbidden to utilise the Company for personal, family and/or other parties’ interests which can harm or reduce the Company’s profit.

5. It is forbidden to take and/or to receive personal benefits from the Company other than remuneration and other stipulated facilities.

6. It is prohibited from conducting transactions that have a conflict of interest that is detrimental to the company and/or to take personal advantage of the Company’s activities in addition to the honorarium, benefits and facilities that it receives as a Member of the Board of Commissioners.

7. In case there is a conflict of interest either directly or indirectly to a transaction, contract or the proposed contract in which the Company is wrong one party, the members of the Board of Commissioners:






1. Harus memberikan pernyataan tertulis atau dinyatakan dalam risalah rapat tentang adanya benturan kepentingan;

2. Tidak ikut serta dalam pengambilan keputusan.8. Dilarang untuk memberikan atau menawarkan kepada

pelanggan atau seorang pejabat Pemerintah untuk mempengaruhi atau menerima, baik langsung ataupun tidak langsung sesuatu yang berharga sebagai imbalan atas apa yang telah dilakukannya dan tindakan lainnya sesuai peraturan perundang-undangan yang berlaku; dan

9. Memberikan contoh keteladanan dengan mendorong terciptanya perilaku etis dan menjunjung tinggi standar etika Perseroan.

Waktu Kerja

Pengaturan waktu kerja para anggota Dewan Komisaris diatur sebagai berikut: Dewan Komisaris menyediakan waktu yang cukup untuk

melaksanakan tugas dan tanggung jawabnya secara optimal termasuk di dalamnya menghadiri rapat rutin dan rapat tidak rutin lainnya.

Keputusan yang Perlu Mendapat Persetujuan Dewan Komisaris

Pengambilan keputusan Dewan Komisaris selalu menggunakan pertimbangan yang objektif mengacu pada informasi yang mendukung kepentingan perusahaan, dan dilakukan analisis risiko yang relevan, sesuai SK Direksi No. Kpts. B.06/Dir.01.02/SKP/X/2018 tanggal 4 Oktober 2018 tentang Pedoman dan Tata Kerja Direksi PT Bank Rakyat Indonesia Agroniaga Tbk telah ditetapkan dan dipraktekkan dalam kegiatan sehari-hari untuk proses pengambilan keputusan Direksi dan Dewan komisaris BRI Agro.

Perbuatan Direksi yang terlebih dahulu mendapatkan persetujuan tertulis Dewan Komisaris:a. Melepaskan/memindahtangankan dan/atau mengagunkan

aset Perseroan dengan kriteria dan nilai melebihi jumlah tertentu yang ditetapkan oleh Dewan Komisaris, kecuali aset yang tercatat sebagai persediaan

b. Menetapkan dan merubah logo Perseroanc. Menetapkan struktur organisasi 1 tingkat di bawah Direksi

d. Melakukan penyertaan modal, melepaskan penyertaan modal, termasuk perubahan struktur permodalan dengan nilai tertentu yang ditetapkan Dewan Komisaris pada perusahaan lain, anak perusahaan dan perusahaan patungan yang tidak dalam rangka penyelamatan piutang

e. Melakukan penggabungan, peleburan, pengambilalihan, pemisahan dan pembubaran anak perusahaan dan perusahaan

1. Must give a written statement or stated in the minutes of the meeting regarding the conflict of interest;

2. Not participating in decision making.8. It is forbidden to give or offer a customer or a Government

official to influence or accept either directly or indirectly something valuable in return for what he has done and other actions in accordance with applicable laws and regulations; and

9. Becoming a role model by encouraging the creation of ethical behavior and upholding the Company’s ethical standards.

Work Hour

The working hours of the members of the Board of Commissioners are as follows: The Board of Commissioners provides sufficient time to carry

out their duties and responsibilities optimally including attending regular meetings and non-meetings other routine.

Decisions Necessary to Attain the Board of Commissioners’ Approval

Decision making of the Board of Commissioners always uses objective judgment based on information that supports the interests of the company, and a relevant risk analysis is carried out, in accordance with Directors Decree No. Kpts. B.06/Dir.01.02/SKP/X/2018 dated on October 4, 2018, concerning the Guidelines and Work Procedures of the Directors of PT Bank Rakyat Indonesia Agroniaga Tbk has been established and practiced in daily activities for the decision making process of the Directors and the Board of Commissioners of BRI Agro.

Actions of Directors who first obtain written approval from the Board of Commissioners:a. Releasing/transfering and/or collateralising the Company’s

assets with criteria and values exceeding a certain amount determined by the Board of Commissioners, except assets listed as inventories

b. Defining and changing the Company’s logoc. Establishing organisational structure 1 level below the Board

of Directorsd. Conducting equity participation, releasing equity participation,

including changes in capital structure of a certain value determined by the Board of Commissioners of other companies, subsidiaries and joint ventures that are not in the framework of saving receivables

e. Consolidating, merging, taking over, separating, and dissolving subsidiaries and joint ventures with a certain value determined






patungan dengan nilai tertentu yang ditetapkan Dewan Komisaris dengan memperhatikan ketentuan di bidang Pasar Modal

f. Melakukan tindakan-tindakan yang termasuk transaksi material sebagaimana ditetapkan peraturan perundang-undangan di bidang Pasar Modal dengan nilai tertentu yang ditetapkan Dewan Komisaris, kecuali tindakan tersebut termasuk dalam transaksi material yang dikecualikan oleh peraturan perundang-undangan yang berlaku di bidang Pasar Modal

g. Tindakan-tindakan yang belum ditetapkan dalam RKAPh. Perbuatan untuk mengalihkan termasuk menjual, melepaskan

hak untuk menagih dan/atau tidak menagih lagi atas:a) Piutang pokok macet yang telah dihapusbuku dalam

rangka penyelesaian kredit, baik untuk sebagian maupun keseluruhan

b) Selisih antara nilai piutang pokok macet yang telah dihapus buku dengan nilai pengalihan termasuk penjualan atau dengan nilai pelepasan hak

c) Dilaksanakan berdasarkan kebijakan Direksi yang telah disetujui Dewan Komisaris dan dalam jumlah plafon (limit) baru oleh RUPS yang akan tetap berlaku sampai dengan adanya penetapan plafon (limit) baru oleh RUPS

i. Mengadakan kerjasama dengan badan usaha atau pihak lain berupa kerjasama operasi, kontrak manajemen, kerjasama lisensi, Bangun Guna Serah (Build, Operate and Transfer/BOT), Bangun Guna Milik (Build, Operate and Owned/BOO) dan perjanjian perjanjian lain yang mempunyai dampak keuangan bagi Perseroan yang berlaku untuk jangka waktu lebih dari 1 tahun atau 1 siklus usaha

j. Mengangkat dan memberhentikan Sekretaris Perusahaan dan Kepala Satuan Kerja Audit Intern.

Pengelolaan Benturan Kepentingan Dewan Komisaris

Benturan kepentingan adalah kondisi tertentu di mana kepentingan individual anggota Dewan Komisaris berpotensi untuk bertentangan dengan kepentingan Perseroan untuk meraih laba, meningkatkan nilai Perseroan, mencapai visi dan menjalankan misi Perseroan serta melaksanakan keputusan Rapat Umum Pemegang Saham.

Berkaitan dengan ini, Dewan Komisaris BRI Agro telah menyusun Surat Keputusan Bersama Dewan Komisaris dan Direksi BRI Agro nomor 69/KOM/BRIAGRO/ VIII/2014 dan No Kpts.19/DIR.01/KK/08/2014 tentang Pemberlakukan Pedoman Umum Penanganan Benturan Kepentingan (Conflict of Interest) BRI Agro tanggal 21 Agustus 2014.

Atas hal tersebut maka Anggota Komisaris hendaknya senantiasa harus:1. Mengutamakan kepentingan Perseroan dan tidak mengurangi

keuangan Perseroan dalam hal terjadi benturan kepentingan.

by the Board of Commissioners with due regard to the provisions in the Capital Market

f. Performing actions that include material transactions as stipulated in the laws and regulations in the Capital Market with a certain value determined by the Board of Commissioners, unless those actions are included in material transactions that are excluded by the legislation in force in the Capital Market

g. Actions not yet specified in the Work Plan and Budgeth. Acts to transfer include selling, waiving the right to collect

and/or not charging again for:a) Bad principal receivables that have been written off in the

context of credit settlement, either in part or in whole

b) Difference between the value of bad principal receivables which has been written off with the transfer value including the sale or the value of waiver

c) Implemented based on the Board of Directors’ policies approved by the Board of Commissioners and in the amount of the new limit by the GMS that will remain in effect until a new ceiling is determined by the GMS

i. Holding a cooperation with business entities or other parties in the form of joint operations, management contracts, licensing cooperation, Build, Operate and Transfer (BOT), Build, Operate and Owned (BOO) and other agreements that have an impact financial for the Company which is valid for more than 1 year or 1 business cycle

j. Appointing and dismissing Company Secretary and Head of Internal Audit Work Unit.

Conflicts Management of Interest of the Board of Commissioners

Conflicts of interest are certain conditions in which the individual interests of members of the Board of Commissioners have the potential to conflict with the interests of the Company to profit, increase the value of the Company, achieve the vision and carry out the Company’s mission and carry out the decision of the General Meeting of Shareholders.

In line with the aforementioned matter, the BRI Agro Board of Commissioners has compiled a Joint Decree of the BRI Agro Board of Commissioners and Directors number 69/KOM/BRIAGRO/VIII/2014 and No. Kpts.19/DIR.01/KK/08/2014 concerning the Imposition of General Guidelines for Conflict Handling BRI Agro’s Conflict of Interest dated August 21, 2014.

For this matter, Members of the Board of Commissioners should always:1. Prioritising the interests of the Company and not reducing the

Company’s finances in the event of a conflict of interest.






2. Menghindari diri dari pengambilan keputusan dalam situasi dan kondisi adanya benturan kepentingan.

3. Melakukan pengungkapan hubungan kekeluargaan, hubungan keuangan, hubungan kepengurusan, hubungan kepemilikan dengan Anggota Komisaris lain dan/atau anggota Direksi dan/atau pemegang saham pengendali Bank dan/atau pihak lainnya dalam rangka bisnis Perseroan.

4. Melakukan pengungkapan dalam hal pengambilan keputusan tetap harus diambil pada kondisi adanya benturan kepentingan.

Keputusan, Rekomendasi dan Pelaksanaan Tugas Dewan Komisaris

Tahun 2019, Dewan Komisaris BRI Agro telah menjalankan fungsi, tugas dan tanggungjawabnya yang dituangkan dalam Keputusan Dewan Komisaris dan rekomendasi yang diberikan kepada Direksi.

Ada pun kegiatan-kegiatan yang dilakukan Dewan Komisaris sepanjang tahun 2019 antara lain :1. Reposisi Anggota Komite2. Honorarium anggota Komite3. Persiapan Rapat Umum Pemegang Saham Luar Biasa tahun

2019

Hal-hal yang menjadi fokus perhatian Dewan Komisaris dalam menjalankan fungsi pengawasan Perseroan selama tahun 2019 antara lain:1. Pencapaian kinerja inisiatif strategis Perseroan selama tahun

20192. Pencapaian kinerja Perseroan dibandingkan dengan strategi

bisnis dan rencana jangka panjang Perseroan3. Tindak lanjut temuan dan perbaikan kualitas kredit

Perseroan4. Tindak lanjut temuan audit baik internal maupun eksternal5. Kebijakan remunerasi dan turnover pekerja6. Pelaksanaan strategi anti fraud dan whistleblower7. Tingkat Kesehatan Bank termasuk pelaksanaan tata kelola

Sertifikasi Manajemen Risiko

Dengan semakin kompleksnya kegiatan usaha perbanakan akan menyebabkan risiko yang dihadapi juga semakin besar sehingga untuk mendukung pelaksanaan dan pengelolaan manajemen risiko dalam Perseroan diperlukan pengurus dan pejabat bank yang memiliki kompetensi dan keahlian dalam bidang manajemen risiko.

Sebagaimana diatur dalam Peraturan Bank Indonesia No. 11/19/PBI/2009 tentang Sertifikasi Manajemen Risiko bagi Pengurus dan Pejabat Bank Umum, Dewan Komisaris dan Direksi wajib memiliki Sertifikat Manajemen Risiko yang diterbitkan oleh Lembaga Sertifikasi Profesi, dengan klasifikasi sebagai berikut:

2. Avoiding making decisions in situations and conditions of conflict of interest.

3. Disclosing family relations, financial relationships, management relationships, ownership relationships with other Commissioners and/or members of the Board of Directors and/or controlling shareholders of the Bank and/or other parties in the framework of the Company’s business.

4. Performing the disclosure in terms of decision making must still be taken on the condition of a conflict of interest.

Verdicts, Recommendations, and Implementation of the Duties of the Board of CommissionersIn 2019, the BRI Agro Board of Commissioners has carried out its functions, duties and responsibilities as outlined in the Decision of the Board of Commissioners and recommendations given to the Directors.

There are also activities carried out by the Board of Commissioners throughout 2019, including:1. Repositioning of Committee Members2. Honorarium of Committee Members3. Preparation for the Extraordinary General Meeting of Shareholders

in 2019

Matters which become the focus of attention of the Board of Commissioners in carrying out the Company’s supervisory function during 2019:1. Achieving the performance of the Company's strategic initiatives

during the year 20192. The achievement of the Company's performance compared

to the strategy the Company's business and long-term plans3. Follow up on the findings and improvement of the Company's

credit quality4. Follow up on internal and external audit findings5. Worker remuneration and turnover policies6. Implementation of anti-fraud and whistleblower strategies7. Bank Soundness including implementation of governance

Risk Management Certificate

With the increasingly complex banking business activities, the risks faced will also be greater, so that in order to support the implementation and management of risk management in the Company, bank managers and officials who have competence and expertise in risk management are needed.

As regulated in Bank Indonesia Regulation No. 11/19/PBI/2009 concerning Risk Management Certification for Management and Officers of Commercial Banks, Board of Commissioners and Directors must have a Risk Management Certificate issued by a Professional Certification Agency, with the following classification:






JabatanPosition Level Masa berlaku

Validity period


Minimal tingkat 1Minimum level 1

4 tahun4 years



4 tahun4 years

Direktur Utama dan Direktur dengan aset 1 hingga 10TPresident Director and Director with assets of 1 to 10 trillion

4 2 tahun2 years

Dalam hal masa berlaku sertifikasi tersebut telah habis, maka wajib dilakukan Program Pemeliharaan (Refreshment) secara berkala minimal 1 (satu) kali dalam 4 (empat) tahun untuk tingkat 1 dan 2; atau 1 (satu) kali dalam 2 (dua) tahun untuk tingkat 3, 4 dan 5.

Tabel berikut menjabarkan mengenai sertifikasi manajemen risiko yang dimiliki oleh Dewan Komisaris BRI Agro tahun 2019.

NamaName

JabatanPosition

Level SertifikasiCertification Level

BidangField

Lembaga yang mengeluarkan

sertifikasi

Organiser

Tanggal dikeluarkan

Date of Admission

Tanggal Kadaluarsa

Date of Expiration




4 manajemen risikorisk management

LSPP 20 Januari 2019January 20, 2019




LSPP 6 April 2019April 6, 2019

6 April 2021April 6, 2021


Komisaris Comissioner


LSPP 2 November 2019November 2, 2019

2 November 2021November 2, 2021


Program Pengenalan Perusahaan Bagi Komisaris Baru

Program Pengenalan kepada Dewan Komisaris yang baru diangkat bertujuan untuk memberikan pengetahuan mengenai Perseroan, agar dapat memahami tugas dan tanggung jawab sebagai Dewan Komisaris dan proses bisnis Perseroan yang dilaksanakan oleh Direksi, sehingga dapat bekerja selaras dengan Organ Perseroan lainnya.

Sekretaris Perusahaan sebagai pelaksana Program Pengenalan bagi Dewan Komisaris yang baru diangkat, mempersiapkan materi program pengenalan yang meliputi Program Pengenalan Perseroan berkaitan dengan Tata Kelola Perusahaan, Kinerja BRI Agro, Manajemen Risiko dan hal-hal yang dianggap penting lainnya.

In the event that the validity period of the certification has expired, it must be carried out a Maintenance Program (Refreshment) periodically at least 1 (one) time in 4 (four) years for levels 1 and 2; or 1 (one) time in 2 (two) years for levels 3, 4 and 5.

The following table describes the risk management certification held by BRI Agro’s Board of Commissioners in 2019.


Company Orientation Program for Newly Commissioners

The Introduction to the newly appointed Board of Commissioners program aims to provide knowledge about the Company, in order to understand the duties and responsibilities as a Board of Commissioners and the Company’s business processes carried out by the Directors, so that they can work in harmony with other Company Organs.

The Corporate Secretary as the executor of the Introductory Recognition Program for the newly appointed Board of Commissioners, prepares material for the introduction program which includes the Company Introduction Program relating to Corporate Governance, BRI Agro Performance, Risk Management and other matters deemed important.






Pada tahun 2019 BRI Agro telah mengangkat 2 (dua) anggota Dewan Komisaris baru yaitu A.Y. Soepadmo dan I.B.K. Suamba Manuaba dan BRI Agro telah melaksanakan program pengenalan Perseroan.

Mekanisme Pengunduran Diri dan Pemberhentian Dewan Komisaris

Seorang anggota Dewan Komisaris dapat mengundurkan diri sebelum masa jabatannya berakhir dengan memberitahukan secara tertulis mengenai maksudnya tersebut kepada Perseroan dengan tembusan kepada Pemegang Saham, Direksi dan anggota Dewan Komisaris lainnya dan Perseroan wajib menyelenggarakan RUPS dalam jangka waktu 90 (sembilan puluh) hari setelah diterimanya Surat Pengunduran Diri, untuk menindaklanjuti masalah tersebut atau bila tidak, pengunduran diri akan dianggap sah tanpa memerlukan persetujuan RUPS.

Sebelum pengunduran diri berlaku efekif, Dewan Komisaris yang bersangkutan tetap berkewajiban untuk menyelesaikan tugas dan tanggung jawabnya sesuai dengan Anggaran Dasar.

Penilaian Kinerja Komite-Komite yang Berada di Bawah Dewan Komisaris

Dewan Komisaris memiliki komite-komite penunjang yang telah memiliki tugas dan tanggung jawab untuk mendukung kinerja Dewan Komisaris. Komite-komite tersebut telah memiliki pedoman kerja yang jelas, sehingga pelaksanaan tugasnya bisa terarah dan efektif. Komite-komite yang berada di bawah Dewan Komisaris adalah Komite Audit, Komite Pemantau Risiko dan Komite Remunerasi dan Nominasi.

Komite Audit

Memiliki tugas dan tanggung jawab untuk melakukan pengawasan atas efektivitas sistem pengendalian internal, manajemen risiko, internal audit, proses pelaporan keuangan. Dewan Komisaris menilai Komite Audit telah melaksanakan tugas dan tanggungjawabnya dengan Baik.

Kriteria Penilaian yang digunakan Dewan Komisaris antara lain:

1. Kehadiran dan keaktifan dalam rapat. Sepanjang tahun 2019, Komite Audit telah melaksanakan rapat sebanyak 5 (lima) kali dengan tingkat kehadiran rata-rata anggota yang baik.

2. Rekomendasi yang diberikan kepada Dewan Komisaris3. Pelaporan yang tepat waktu

In 2019, BRI Agro has appointed 2 (two) new members of the Board of Commissioners namely A.Y. Soepadmo and I.B.K. Suamba Manuaba and BRI Agro have implemented a Company introduction program.

Resignation Mechanism and Dismissal of the Board of Commissioners

A member of the Board of Commissioners may resign before his term ends by notifying the Company’s intention in writing with a copy to Shareholders, Directors and other members of the Board of Commissioners and the Company is required to hold a GMS within 90 (ninety) days after received the Resignation Letter, to follow up on the matter or if not, resignation will be considered valid without requiring the approval of the GMS.

Before having the resignation been effective, the Board of Commissioners concerned is obliged to complete its duties and responsibilities in accordance with the Articles of Association.

Performance Evaluation of Committees Under the Board of Commissioners

The Board of Commissioners has supporting committees that have the duties and responsibilities to support the performance of the Board of Commissioners. These committees have clear work guidelines, so that the implementation of their duties can be directed and effective. The committees under the Board of Commissioners are the Audit Committee, the Risk Monitoring Committee, and the Remuneration and Nomination Committee.

Audit Committee

Having duties and responsibilities to supervise the effectiveness of the internal control system, risk management, internal audit, financial reporting processes. The Board of Commissioners considers the Audit Committee to carry out its duties and responsibilities properly.

The Assessment Criteria used by the Board of Commissioners include:1. Attendance and activeness in meetings. During 2019, the

Audit Committee held 5 (five) meetings with a good average attendance rate.

2. Recommendations given to the Board of Commissioners.3. Reporting in a punctual manner






Komite Pemantau Risiko

Mendukung efektivitas pelaksanaan tugas dan tanggung jawab Dewan Komisaris terkait dengan pengawasan risiko. Dewan Komisaris menilai Komite Pemantau Risiko telah melaksanakan tugas dan tanggungjawabnya dengan Baik.

Kriteria Penilaian yang digunakan Dewan Komisaris antara lain:

1. Kehadiran dan keaktifan dalam rapat. Sepanjang tahun 2019, Komite Pemantau Risiko telah melaksanakan rapat sebanyak 3 (tiga) kali dengan tingkat kehadiran rata-rata anggota yang baik.

2. Rekomendasi yang diberikan kepada Dewan Komisaris.3. Pelaporan yang tepat waktu.

Komite Remunerasi dan Nominasi

Melaksanakan fungsi dan tugas Dewan Komisaris terkait dengan remunerasi dan nominasi anggota Direksi dan anggota Dewan Komisaris. Dewan Komisaris menilai Komite Remunerasi dan Nominasi telah melaksanakan tugas dan tanggungjawabnya dengan Baik.

Kriteria Penilaian yang digunakan Dewan Komisaria antara lain :

1. Kehadiran dan keaktifan dalam rapat. Sepanjang tahun 2019, Komite Remunerasi dan Nominasi telah melaksanakan rapat sebanyak 8 (delapan) kali dengan tingkat kehadiran rata-rata anggota yang baik.

2. Rekomendasi yang diberikan kepada Dewan Komisaris3. Pelaporan yang tepat waktu

Penilaian Kinerja Dewan Komisaris

Terdapat beberapa jenis prosedur penilaian untuk melihat kinerja Dewan Komisaris, dua di antaranya dijabarkan sebagai berikut:

Penilaian Kinerja Dewan Komisaris oleh Pemegang Saham

Kinerja Dewan Komisaris dievaluasi setiap tahun oleh Pemegang Saham. Secara umum, kinerja Dewan Komisaris ditentukan berdasarkan tugas kewajiban yang tercantum dalam Peraturan Perundang-undangan yang berlaku dan Anggaran Dasar maupun amanat Pemegang Saham. Penilaian Kinerja Dewan Komisaris dilakukan berdasarkan Laporan Pengawasan Dewan Komisaris atas Kinerja Direksi yang dilaporkan setiap triwulan kepada Pemegang

Risk Oversight Committee

Upholding the effectiveness of the implementation of the duties and responsibilities of the Board of Commissioners related to risk oversight. The Board of Commissioners considers that the Risk Monitoring Committee has carried out its duties and responsibilities properly.

The Assessment Criteria exerted by the Board of Commissioners include:1. Attendance and activeness in meetings. During 2019, the Risk

Monitoring Committee held 3 (three) meetings with a good average attendance rate.

2. Recommendations given to the Board of Commissioners.3. Reporting in a punctual manner.

Remuneration and Nomination Committee

The aforementioned committee undertakes the functions and duties of the Board of Commissioners related to the remuneration and nomination of members of the Board of Directors and members of the Board of Commissioners. The Board of Commissioners considers that the Remuneration and Nomination Committee has carried out its duties and responsibilities, properly.

The Assessment Criteria used by the Board of Commissioners include:1. Attendance and activeness in meetings. During 2019, the Risk

Monitoring Committee held 8 (eight) meetings with a good average attendance rate.

2. Recommendations given to the Board of Commissioners.3. Reporting in a punctual manner.

Performance Evaluation of the Board of Commissioners

There are several types of assessment procedures to scrutinise the performance of the Board of Commissioners, two of which are described as follows:

Performance Evaluation of the Board of Commissioners by Shareholders

The performance of the Board of Commissioners is evaluated annually by the Shareholders. In general, the performance of the Board of Commissioners is determined based on the duties stated in the prevailing laws and regulations and the Articles of Association and the mandate of the Shareholders. Evaluation of Board of Commissioners based on BOD Performance Control Report which is reported to shareholders and Regulator quarterly. The results of the performance






Saham dan Regulator. Hasil evaluasi kinerja Dewan Komisaris baik selaku Dewan maupun individu merupakan sarana penilaian serta peningkatan efektivitas Dewan Komisaris.

Prosedur Pelaksanaan Assessment Kinerja Dewan Komisaris

Kinerja Dewan Komisaris dilaporkan kepada Pemegang Saham berdasarkan Board Manual serta target-target kinerja Dewan Komisaris.

Kriteria Evaluasi Kinerja Dewan Komisaris

Pemegang Saham menetapkan kriteria kinerja Dewan Komisaris maupun individu anggota Dewan Komisaris. Kriteria evaluasi kinerja individu Dewan Komisaris antara lain meliputi:

1. Tingkat kehadirannya dalam Rapat Dewan Komisaris maupun rapat dengan komite-komite yang ada.

2. Kontribusinya dalam proses pengawasan Perseroan. 3. Keterlibatannya dalam penugasan tertentu. 4. Komitmennya dalam memajukan kepentingan Perusahaan. 5. Ketaatan terhadap Peraturan Perundang-undangan yang

berlaku serta kebijakan Perusahaan.

Pihak yang Melakukan Assessment Pihak yang melakukan assessment atas kinerja Dewan Komisaris yaitu Pemegang Saham.

Hasil Penilaian Kinerja Dewan KomisarisPenilaian Kinerja Dewan Komisaris dengan Metode Self-Assessment GCG Penilaian kinerja Dewan Komisaris dilakukan dengan menggunakan metode penilaian sendiri (self-assessment) sesuai SE OJK Nomor 13/SEOJK.03/2017 Tahun 2017 perihal Penerapan Tata Kelola Bagi Bank Umum.

Prosedur Pelaksanaan Penilaian Self-Assessment Kinerja Dewan Komisaris Pelaksanaan Self Assessment GCG ini dilaksanakan secara periodik tiap semester yang dilaporkan kepada OJK.

Kriteria Evaluasi Kinerja Dewan komisaris

Kriteria Self-Assessment Dewan Komisaris terbagi menjadi 3 (tiga) kelompok yaitu Governance Stucture, Governance Process dan Governance Outcome. Governance Structure terdiri dari 16 indikator, Governance Process terdiri dari 17 indikator dan governance outcome terdiri dari 6 indikator.

evaluation of the Board of Commissioners both as a Board and individuals are a means of evaluating and increasing the effectiveness of the Board of Commissioners.

Procedure for Implementing a Board of Commissioners’ Performance Assessment

The performance of the Board of Commissioners is reported to Shareholders based on the Board Manual and the performance targets of the Board of Commissioners.

Performance Evaluation Criteria for the Board of Commissioners

Shareholders determines the performance criteria of the Board of Commissioners and individual members of the Board of Commissioners. The evaluation criteria for the individual performance of the Board of Commissioners include:1. Level of attendance at the Board of Commissioners’ Meetings

and meetings with existing committees.2. Contribution to the Company’s supervision process.3. The person’s involvement in certain assignments.4. The person’s commitment in advancing the interests of the

Company.5. Compliance with applicable laws and regulations and Company

policies.

Party Conducting the AssessmentThe party conducting the assessment on the performance of the Board of Commissioners is the Shareholders.

Board of Commissioners Performance Assessment ResultsPerformance Evaluation of the Board of Commissioners Using the GCG Self-Assessment MethodThe performance evaluation of the Board of Commissioners is carried out using self-assessment method according to SE OJK Number 13/SEOJK.03/2017 in 2017 concerning Implementation of Good Governance Commercial banks.

Procedure for Implementing a Board of Commissioners' Performance Self-assessmentThe GCG Self-Assessment is conducted periodically every semester which is reported to the FSA.

Performance Evaluation Criteria for the Board of CommissionersThe Board of Commissioners Self-Assessment Criteria are divided into 3 (three) groups, namely Governance Structure, Governance Process and Governance Outcome. The Governance Structure consists of 16 indicators, the Governance Process consists of 17 indicators and the governance outcome consists of 6 indicators






Pihak Yang Melakukan AssessmentSelf assessment GCG dilakukan oleh tim internal BRI Agro.

Hasil AssesmentFaktor-faktor positif mengenai Kinerja Dewan Komisaris yang dituangkan dalam Self Asessment GCG periode 31 Desember 2019 antara lain sebagai berikut:1. Jumlah dan komposisi Dewan Komisaris telah sesuai dengan

ketentuan dan memiliki kompetensi yang memadai dan relevan dengan jabatannya untuk menjalankan tugas dan tanggungjawabnya.

2. Dewan Komisaris telah melaksanakan tugasnya untuk memastikan terselenggaranya pelaksanaan prinsip-prinsip Tata Kelola yang baik dalam setiap kegiatan usaha Bank pada seluruh tingkatan atau jenjang organisasi.

3. Dewan Komisaris telah memastikan bahwa komite-komite yang dibentuk telah menjalankan tugasnya secara efektif.

Party Conducting the AssessmentGCG self-assessment is carried out by BRI Agro's internal team.

Assessment ResultsPositive factors regarding the Board of Commissioners' Performance as outlined in the GCG Self-Assessment for the December 31, 2019 period include the following:1. The number and composition of the Board of Commissioners

are in accordance with the provisions and have sufficient competence and are relevant to their positions to carry out their duties and responsibilities.

2. The Board of Commissioners has carried out its duties to ensure the implementation of the principles of good governance in all business activities of the Bank at all levels or levels of the organisation.

3. The Board of Commissioners has ensured that the committees formed have carried out their duties, effectively.






KOMISARIS INDEPENDEN INDEPENDENT COMMISSIONER

Komisaris Independen adalah anggota Dewan Komisaris yang tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan anggota Direksi, anggota Dewan Komisaris lain dan/atau pemegang saham pengendali, atau hubungan dengan Bank yang dapat mempengaruhi kemampuan yang bersangkutan untuk bertindak independen.

POJK 55/POJK.03/2016 telah menyatakan bahwa Komisaris Independen yang dimiliki oleh Perseroan minimal 50% dari jumlah anggota Dewan Komisaris. Pada tahun 2019, BRI Agro memiliki 2 orang Komisaris Independen dari 3 orang anggota Dewan Komisaris yang berarti lebih dari 50% dari Komisaris yang ada.

Kriteria Penentuan Komisaris Independen

Persyaratan diangkatnya anggota Dewan Komisaris Independen minimal sama dengan persyaratan untuk mengangkat anggota Dewan Komisaris non Independen ditambah dengan beberapa aturan lain dalam Peraturan OJK No. 33/POJK.04/2014 sebagaimana berikut ini:

KriteriaCriteria


Anna Maria Tjiadarma A.Y. Soepadmo

Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab untuk merencanakan, memimpin, mengendalikan, atau mengawasi kegiatan Emiten atau Perusahaan Publik tersebut dalam waktu 6 (enam) bulan terakhir, kecuali untuk pengangkatan kembali sebagai Komisaris Independen Emiten atau Perusahaan Publik pada periode berikutnya

Not a person who works or has the authority and responsibility to plan, lead, control, or supervise the activities of the Issuer or Public Company within the last 6 (six) months, except for reappointment as Independent Commissioner of the Issuer or Public Company in the following period

√ √

Tidak mempunyai saham baik langsung maupun tidak langsung pada Emiten atau Perusahaan Publik tersebut

Does not have shares either directly or indirectly in the Issuer or Public Company

√ √

Tidak mempunyai hubungan Afiliasi dengan Emiten atau Perusahaan Publik, anggota Dewan Komisaris, anggota Direksi, atau Pemegang Saham Utama Emiten atau Perusahaan Publik tersebut.

Does not have affiliation relationship with Issuers or Public Companies, members of the Board of Commissioners, members of the Board of Directors, or Major Shareholders of the Issuer or Public Company.

√ √

Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan usaha Emiten atau Perusahaan Publik tersebut

Does not have a business relationship, directly or indirectly, related to the business activities of the Issuer or Public Company

√ √

Independent Commissioners are members of the Board of Commissioners who do not have financial, management, share ownership and/or family relations with members of the Board of Directors, other members of the Board of Commissioners and/or controlling shareholders, or relationships with the Bank that can affect the ability of the concerned to act independently.

POJK 55/POJK.03/2016 has stated that the Independent Commissioner owned by the Company is at least 50% of the total members of the Board of Commissioners. In 2019, BRI Agro had 2 Independent Commissioners out of 3 members of the Board of Commissioners, which means more than 50% of the existing Commissioners.

Criteria for Independent Commissioners

The requirement to appoint a member of the Independent Board of Commissioners is at least the same as the requirement to appoint a non-Independent member of the Board of Commissioners plus a number of other rules in FSARegulation No. 33/POJK.04/2014 as follows:






POJK 55/POJK.03/2016 Pasal 26 ayat (1) menyatakan bahwa Komisaris Independen yang telah menjabat selama 2 periode masa jabatan berturut-turut dapat diangkat kembali pada periode selanjutnya sebagai Komisaris Independen.

Pernyataan Tentang Independensi Masing-Masing Komisaris Independen

Pernyataan independensi dari anggota Dewan Komisaris Independen menyatakan diri tidak memiliki hubungan afiliasi dengan pihak Perseroan untuk kemudian disampaikan kepada OJK. Berikut adalah bukti pernyataan Independensi Dewan Komisaris Independen BRI Agro.

POJK 55/POJK.03/2016 Article 26 paragraph (1) states that an Independent Commissioner who has served for 2 consecutive terms of office may be reappointed in the following period as an Independent Commissioner.

Statement of Independence of Independent Commissioner in Respect

The statement of independence from the members of the Independent Board of Commissioners states that it has no affiliation with the Company to be submitted to the FSA. The following is evidence of BRI Agro’s Independent Commissioner Independence statement.






DIREKSIBOARD OF DIRECTORS

Direksi adalah Organ Perseroan yang berwenang dan bertanggung jawab penuh atas pengurusan Perseroan untuk kepentingan Perseroan, sesuai dengan maksud dan tujuan Perseroan serta mewakili Perseroan, baik di dalam maupun di luar pengadilan sesuai dengan ketentuan Anggaran Dasar.

Dalam melaksanakan tugasnya, anggota Direksi wajib mencurahkan tenaga, pikiran, perhatian dan pengabdiannya secara penuh pada tugas, kewajiban dan pencapaian tujuan Perseroan. Selain itu, anggota Direksi harus mematuhi Anggaran Dasar Perseroan dan peraturan perundang-undangan serta wajib melaksanakan prinsip-prinsip profesionalisme, efisiensi, transparansi, kemandirian, akuntabilitas, pertanggungjawaban serta kewajaran.

Setiap anggota Direksi wajib melaksanakan tugas dan tanggung jawab dengan itikad baik, penuh tanggung jawab, dan kehati-hatian, dengan mengindahkan perundang-undangan yang berlaku.

Pedoman Kerja/Piagam Direksi

BRI Agro telah melakukan pengkinian dan pemberlakuan akan Pedoman Kerja Direksi yang terakhir melalui Surat Keputusan Direksi No.Kpts.B.06/Dir.01.02/SKP/X/2018 yang berisikan tentang Pedoman kerja Direksi PT Bank Rakyat Indonesia Agroniaga, Tbk antara lain:1. Landasan Hukum2. Independensi Direktur Utama3. Direktur Kepatuhan4. Tugas dan Wewenang Direksi5. Etika Kerja6. Waktu Kerja7. Pembagian Tugas Direksi8. Rapat Direksi9. Komite-komite Direksi10. Masa Jabatan Direksi11. Larangan12. Pelaksanaan Tugas Terkait RUPS dan Aksi Korporasi

13. Hirarki Tata Laksana Ketentuan Korespondensi

The Board of Directors is the Company’s Organ which has the authority and is fully responsible for the management of the Company for the interests of the Company, in accordance with the aims and objectives of the Company and represents the Company, both inside and outside the court in accordance with the provisions of the Articles of Association.

In carrying out its duties, members of the Board of Directors must devote their full energy, thoughts, attention and devotion to the duties, obligations and achievement of the Company’s goals. In addition, members of the Board of Directors must comply with the Company’s Articles of Association and laws and regulations and must implement the principles of professionalism, efficiency, transparency, independence, accountability, responsibility and fairness.

Each member of the Board of Directors must carry out their duties and responsibilities in good faith, with full responsibility and prudence, with due regard to the applicable laws.

Work Guidelines/Charter of Directors

BRI Agro has updated and enforced the latest Board of Directors’ Work Guidelines through Directors Decree No.Kpts.B.06/Dir.01.02/SKP/X/2018 which contains the work procedures of the Directors of PT Bank Rakyat Indonesia Agroniaga, Tbk, among others :

1. Legal Basis2. Independence of the President Director3. Compliance Director4. Duties and Authorities of the Directors5. Work Ethics6. Working Time7. Distribution of Duties of the Directors8. Directors’ Meeting9. Directors’ Committees10. Term of Office of Directors11. Prohibition12. Implementation of Duties Related to GMS and Corporate

Action13. Hierarchy of Procedures for Correspondence Provisions






Kriteria Direksi

Pedoman Kerja Direksi telah mengatur mengenai persyaratan pengangkatan anggota Direksi yaitu:1. Mempunyai akhlak, moral, dan integritas yang baik; 2. Cakap melakukan perbuatan hukum; 3. Dalam waktu 5 (lima) tahun sebelum pengangkatan dan

selama menjabat:- Tidak pernah dinyatakan pailit - Tidak pemah menjadi anggota Direksi dan atau anggota

Dewan Komisaris yang dinyatakan bersalah menyebabkan suatu perusahaan dinyatakan pailit

- Tidak pemah dihukum karena melakukan tindak pidana yang merugikan keuangan negara dan/ atau yang berkaitan dengan sektor keuangan

- Tidak pemah meniadi anggota Dewan Komisaris yang selama menjabat:1) Pernah tidak menyelenggarakan RUPS tahunan 2) Pertanggungjawabannya sebagai anggota Direksi

dan/atau anggota Dewan Komisaris pemah tidak diterima oleh RUPS atau pernah tidak memberi pertanggungjawaban sebagai anggota Direksi dan/atau anggota Dewan Komisaris kepada RUPS

3) Pernah menyebabkan perusahaan yang memperoleh izin, persetujuan atau pendaftaran dari Otoritas Jasa Keuangan tidak memenuhi kewajiban menyampaikan laporan tahunan dan/atau laporan keuangan kepada OJK.

4) Memiliki komitmen untuk mematuhi peraturan perundang-undangan

5) Memiliki pengetahuan dan/atau keahlian di bidang yang dibutuhkan Perseroan

4. Bukan pengurus partai politik, dan/atau anggota legislatif, dan/atau tidak sedang mencalonkan diri sebagai calon anggota legislatif

5. Bukan kepala/wakil kepala daerah dan/atau tidak sedang mencalonkan diri sebagai calon kepala/wakil kepala daerah

6. Berusia tidak melebihi 58 tahun ketika akan menjabat Direksi

7. Tidak sedang menjabat sebagai pejabat pada Lembaga, Anggota Dewan Komisaris/Dewan Pengawas pada BUMN, Anggota Direksi pada BUMN, Anak Perusahaan dan/atau Perusahaan, kecuali menandatangani surat pemyataan bersedia mengundurkan diri dari jabatan tersebut jika terpilih sebagai Anggota Direksi Anak Perusahaan.

8. Tidak sedang menduduki jabatan yang berdasarkan peraturan perundang undangan dilarang untuk dirangkap dengan jabatan Anggota Direksi, kecuali menandatangani surat pernyataan bersedia mengundurkan diri dari jabatan tersebut jika terpilih sebagai Anggota Direksi.

9. Tidak menjabat sebagai Anggota Direksi pada perusahaan yang bersangkutan selama 2 (dua) periode berturut-turut.

Criteria of Directors

The Board of Directors’ Work Guidelines regulate the terms of appointment of members of the Board of Directors, namely:1. Having good character, morals, and integrity;2. Competent in carrying out legal actions;3. Within 5 (five) years before appointment and during his

tenure:· Has never been declared bankrupt· Has never been a member of the Board of Directors and/

or a Board of Commissioners who was found guilty of causing a company to go bankrupt

· Has never been convicted of a criminal offense that is detrimental to the country’s finances and/or related to the financial sector

· Has never been a member of the Board of Commissioners who during his tenure:1) Never held an annual GMS2) Responsibility as a member of the Board of Directors

and/or member of the Board of Commissioners has never been accepted by the GMS or has never given an accountability as a member of the Board of Directors and/or member of the Board of Commissioners to the GMS

3) Having caused companies that obtained licenses, approvals or registrations from the Financial Services Authority not to fulfill the obligation to submit annual reports and/or financial reports to FSA.

4) Having a commitment to comply with laws and regulations

5) Possessing knowledge and/or expertise in the fields required by the Company

4. Is not an official of a political party, and/or legislative member, and/or is not nominating himself as a candidate for the legislative member

5. Not a head/deputy regional head and/or not nominating himself as a candidate for head/deputy regional head

6. Not exceeding 58 years of age when he will be serving as the Board of Director

7. Is not currently serving as officials of the Institution, Members of the Board of Commissioners/Supervisory Board of SOEs, Members of the Board of Directors of SOEs, Subsidiaries and/or Companies, unless signing a statement of willingness to resign from that position if elected as a Member of the Directors of a Subsidiary.

8. Is not occupying a position that is based on statutory regulations is prohibited from being concurrently holding the position of a Member of the Board of Directors, except signing a statement of willingness to resign from that position if elected as a Member of the Board of Directors.

9. Does not serve as a Member of the Board of Directors of the company concerned for 2 (two) consecutive periods.






10. Sehat jasmani dan rohani (tidak sedang menderita suatu penyakit yang dapat menghambat pelaksanaan tugas sebagai Anggota Direksi) yang dibuktikan dengan surat keterangan sehat dari rumah sakit pemerintah

11. Tidak termasuk dalam daftar tidak lulus uji kemampuan dan kepatutan (fit and proper test);

12. Diangkat melalui RUPS.


Selain ditentukan dalam RUPS, Pedoman kerja Direksi juga menentukan masa jabatan Direksi yang diangkat untuk jangka waktu 3 (tiga) tahun sejak penutupan RUPS sewaktu diangkat, dan apabila ada anggota Direksi yang masa jabatannya telah berakhir dapat diangkat kembali sesuai dengan Anggaran Dasar Perseroan.

NamaName

JabatanPoisition

Masa JabatanTerms of Service

Ebeneser Girsang Plt. Direktur Utama/ Direktur Pengendalian Risiko Kredit dan Pendanaan

Acting (ACT) President Director/Director of Credit Risk Management and Funding

6 Desember 2017 - 6 Desember 2021*)December 6, 2017 - December 6, 2021*)

Herry Prayudi Direktur KepatuhanDirector of Compliance

6 Desember 2017 - 6 Desember 2021*)December 6, 2017 - December 6, 2021*)

Sigit Murtiyoso Direktur Bisnis dan PerseroanDirector of Business and Corporate

26 Juni 2019 - 26 Juni 2022Juni 26, 2019 - Juni 26, 2022

Ernawan Direktur Operasional dan KeuanganDirector of Operating and Financing

23 Januari 2019 - 23 Januari 2023*)January 23, 2019 - January 23, 2023*)

*) Menyesuaikan dengan masa jabatan yang baru yaitu 3 (tiga) tahun.

Susunan, Jumlah, Komposisi dan Dasar Pengangkatan Anggota Direksi di Sepanjang Tahun 2019

Hingga akhir tahun 2019, BRI Agro memiliki 4 (empat) anggota Direksi dengan adanya 2 (dua) anggota Direksi yang baru diangkat tahun ini. Susunan jajaran Direksi pada tahun 2019 yang diangkat berdasarkan akta persetujuan RUPS dengan rincan sebagai berikut:

10. Physically and mentally healthy (not suffering from an illness that can hamper the implementation of duties as a Member of the Board of Directors) as evidenced by a health certificate from a government hospital

11. Not included in the list of failing the fit and proper test;

12. Is appointed through the GMS.

Terms of Term of Office

In addition to being determined in the GMS, the Board of Directors’ work guidelines also determine the term of office of the Directors appointed for a period of 3 (three) years from the closing of the GMS when appointed, and if there are members of the Board of Directors whose term of service has ended can be reappointed in accordance with the Company’s Articles of Association.

*) Adjusting to the new term of office which is 3 (three) years.

Structure, Total, Composition and Basis of Appointment of Directors Members in 2019

Until the end of 2019, BRI Agro has 4 (four) members of the Board of Directors with 2 (two) new members of the Board of Directors appointed this year. The composition of the Board of Directors in 2019 was appointed based on the AGM approval deed with the following details:






NamaName

JabatanPosition

Dasar PengangkatanBasis of Appointment

Ebeneser Girsang Direktur Pengendalian Risiko Kredit dan Pendanaan

Director of Credit Risk Management and Funding

RUPS LB tanggal 6 Desember 2017EGMS dated on December 6, 2017

Plt. Direktur Utama

Acting (ACT) President Director

sebagai Plt.Direktur Utama melalui Surat Dewan Komisaris BRI AGRO No:R.56/DK-IX/2019 Tanggal 3 September 2019

As Acting (ACT) President Director through BRI AGRO Board of Commissioners Letter No: R.56/DK-IX/2019 dated on September 3, 2019


RUPS LB tanggal 6 Desember 2017EGMS dated on December 6, 2017


RUPS LB tanggal 26 Juni 2019EGMS dated on December 26, 2019


RUPS LB 23 Januari 2019EGMS dated on January 23, 2019

Penilaian Kemampuan dan Kepatutan

Peraturan OJK No. 27/POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan menjabarkan mengenai pertimbangan pengelola/pengurus lembaga keuangan harus memenuhi persyaratan kemampuan dan kepatutan bagi anggota Direksi dan Dewan Komisaris dalam melakukan tindakan, tugas dan fungsinya. Persyaratan penilaian mencakup integritas dan kelayakan/ reputasi keuangan dan kompetensi calon pengurus bank (Direksi dan Dewan Komisaris).

Jajaran Direksi bank BRI Agro telah mendapatkan persetujuan OJK untuk dapat mulai melaksanakan tugas, fungsi dan kewajiban yang dibebankan oleh RUPS sebagaimana tergambar dalam tabel berikut ini:

NamaName

JabatanPosition

Persetujuan OJKFSA Agreement



Surat nomor KEP-56/D.03/2018 Tanggal 4 April 2018.

Decree No. KEP-56/D.03/2018 dated on April 4, 2018.


Surat nomor KEP-55/D.03/2018 Tanggal 4 April 2018Decree No. KEP-55/D.03/2018 dated on April 4, 2018


Surat nomor KEP-180/D.03/2019 Tanggal 30 September 2019Decree No. KEP-180/D/03/2019 dated on September 30, 2019


Surat nomor KEP-126/D.03/2019 Tanggal 18 Juli 2019Decree No. KEP-126/D.03/2019 dated on July 18, 2019

Competency and Propriety Assessment

FSA Regulation No. 27/POJK.03/2016 concerning the Assessment of Capability and Propriety for the Main Parties of Financial Services Institutions outlining the considerations of managers/management of financial institutions must meet the requirements of suitability and propriety for members of the Board of Directors and Board of Commissioners in carrying out their actions, duties and functions. The assessment requirements include integrity and financial feasibility/reputation and competency of prospective bank managers (Directors and Board of Commissioners).

BRI Agro’s Board of Directors has obtained FSA approval to be able to begin carrying out the duties, functions and obligations imposed by the GMS as illustrated in the following table:






Kepemilikan Saham Direksi

Sesuai dengan aturan OJK yang tertera dalam POJK No 55/POJK.03 tahun 2016 tentang GCG Bank Umum pasal 21 ayat 1 mengenai aspek transparansi Direksi yaitu:

Anggota Direksi wajib mengungkapkan kepemilikan saham yang mencapai 5% (lima persen) atau lebih, baik pada Bank yang bersangkutan maupun pada bank dan perusahaan lain, yang berkedudukan di dalam dan di luar negeri. Brikut adalah penjabaran kepemilikan saham anggota Direksi Bank BRI Agro hingga akhir tahun 2019:

NamaName

JabatanPosition

Kepemilikan Saham (lembar saham)Ownership Share (share)

BRI Agro Bank LainOther Banks

Lembaga Keuangan Non BankNon-Bank Financial

Institutions

Perusahaan Lain

Other Companies

Ebeneser Girsang Plt Direktur Utama/ Direktur Pengendalian Risiko Kredit dan Pendanaan


1.552.600 473.050 121.700 4.646.726


NihilNone

NihilNone

NihilNone

NihilNone


NihilNone

NihilNone

NihilNone

NihilNone


NihilNone

NihilNone

NihilNone

NihilNone

Rangkap Jabatan Direksi

Pedoman dan tata kerja Direksi Perseroan BRI Agro melarang anggota Direksi untuk merangkap jabatan sebagai:

1. Anggota Direksi, anggota Dewan Komisaris atau Pejabat Eksekutif pada bank, perusahaan dan/atau lembaga lain.

2. Pengurus partai politik, anggota DPR, DPD, DPRD Tingkat I, dan DPRD Tingkat II dan /atau Kepala daerah;

3. Jabatan lainnya sesuai dengan ketentuan dalam Peraturan Perundang-undangan

Directors Share Ownership

Under the FSA rules stated in POJK No. 55/POJK.03 2016 concerning GCG for Commercial Banks article 21 paragraph 1 concerning aspects of transparency of the Directors, namely:

Members of the Board of Directors must disclose share ownership of 5% (five percent) or more, both at the Bank concerned and at other banks and companies, domiciled domestically and abroad. The following is a translation of the share ownership of members of the BRI Agro Bank Directors until the end of 2019:

Concurrent Position of Directors

The guidelines and work procedures of the BRI Agro Directors of the Company prohibit members of the Board of Directors from concurrently serving as:1. A member of the Board of Directors, a member of the Board

of Commissioners or an Executive Officer at another bank, company and/or institution.

2. Management of political parties, DPR members, DPD, DPRD Level I, and DPRD Level II and / or regional heads;

3. Other positions in accordance with the provisions in the legislation.






NamaName

JabatanPosition

Jabatan Pada Perusahaan/ Instansi Lain

Position in the Company/Other Institutions

Nama Perusahaan/ Instansi Lain

Company Name/Other Institutions

Ebeneser Girsang Plt Direktur Utama/ Direktur Pengendalian Risiko Kredit dan Pendanaan


NihilNone

NihilNone


NihilNone

NihilNone


NihilNone

NihilNone


NihilNone

NihilNone

Hubungan Afiliasi Direksi

Anggaran Dasar Perseroan menyatakan bahwa RUPS dapat memberhentikan anggota Direksi bila di antara para anggota Direksi dan antara anggota Direksi dengan anggota Dewan Komisaris memiliki hubungan keluarga sampai dengan derajat ketiga, baik menurut garis lurus maupun garis ke samping, termasuk hubungan yang timbul karena perkawinan.

Hubungan seperti yang dimaksud dapat dilihat dalam tabel berikut ini:

NamaName

JabatanPosition

Hubungan Keuangan DenganFinansial Relationship With




Commissioners

DireksiDirectors

Pemegang Saham

Shareholders


Commissioners

DireksiDirectors

Pemegang Saham

Shareholders

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

Ebeneser Girsang

Plt. Direktur Utama/ Direktur Pengendalian Risiko Kredit dan Pendanaan


√ √ √ √ √ √ √

Sigit Murtiyoso Direktur Bisnis dan Perseroan

Director of Business and Corporate

√ √ √ √ √ √ √

Directors’ Affiliations

The Company’s Articles of Association stipulates that the GMS can dismiss members of the Board of Directors if among members of the Board of Directors and between members of the Board of Directors and members of the Board of Commissioners have family relations up to the third degree, both in a straight line and to the side, including relationships arising from marriage.

Relationships as intended can be seen in the following table:






NamaName

JabatanPosition

Hubungan Keuangan DenganFinansial Relationship With




Commissioners

DireksiDirectors

Pemegang Saham

Shareholders


Commissioners

DireksiDirectors

Pemegang Saham

Shareholders

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

Herry Prayudi Direktur Kepatuhan

Director of Compliance

√ √ √ √ √ √ √

Ernawan Direktur Operasional dan Keuangan

Director of Operating and Financing

√ √ √ √ √ √ √

Tugas, Kewajiban dan Tanggung Jawab

Sebagaimana diatur di dalam Pedoman kerja Direksi, tugas dan tanggung jawab Direksi sebagai berikut:

Tugas1. Direksi bertugas mengurus, mengelola, dan memimpin jalannya

Perseroan serta memelihara dan mengembangkan harta kekayaan Perseroan sesuai tujuan Perseroan.

2. Setiap anggota Direksi wajib dengan itikad baik dan penuh tanggung jawab menjalankan tugasnya dengan mengindahkan Anggaran Dasar Perseroan dan peraturan perundangan yang berlaku serta prinsip-prinsip GCG dalam kegiatan-kegiatan Bank pada seluruh tingkatan organisasi.

3. Direksi mewakili Perseroan di dalam dan di luar pengadian tentang segala hal dan dalam segala kejadian, mengikat Perseroan dengan pihak lain dan pihak lain dengan Perseoan, serta menjalankan segala tindakan, baik mengenai pengurusan maupun pemilikan dengan batasan:a) Untuk mengambil bagian baik sebagian atau seluruhnya

atau ikut serta dalam perusahaan atau dalam badan-badan lain atau menyelenggarakan perusahaan baru yang tidak dalam rangka penyelamatan piutang sesuai dengan ketentuan yang berlaku.

b) Melepaskan sebagian atau seluruh penyertaan Perseroan dalam perusahaan atau badan lain membubarkan, atau melikuidasi perusahaan atau badan lain dimana Perseroan memiliki penyertaan.

c) Mengadakan kerjasama dengan badan usaha atau pihak dalam bentuk kerjasama operasi, kontrak manajemen, kerjasama lisensi bangunan guna serah (built operate and transfer/BOT) Bangunan guna milik (built operate and own/

Duties, Obligations, and Responsibilities

As stipulated in the Directors’ work guidelines, the duties and responsibilities of the Directors are as follows:

Duties1. The Board of Directors is tasked with managing, managing

and leading the course of the Company as well as maintaining and developing the Company’s assets under the Company’s objectives.

2. Each member of the Board of Directors is required in good faith and full responsibility to carry out their duties by taking into account the Company’s Articles of Association and applicable laws and regulations as well as GCG principles in Bank activities at all levels of the organisation.

3. The Board of Directors represents the Company inside and outside the proclamation on all matters and in all events, binds the Company with other parties and other parties with the Company, and carries out all actions, both regarding management and ownership with limitations:a) To take part either in whole or in part or participate in a

company or in other bodies or organize a new company that is not in the context of saving receivables in accordance with applicable regulations.

b) Relinquishing part or all of the Company’s participation in the company or other entity dissolving, or liquidate the company or other entity in which the Company has an investment.

c) Establishing cooperation with business entities or parties in the form of joint operations, management contracts, cooperation for building operate and transfer (BOT) building licenses for built operate and own (BOO) and other






BOO) dan perjanjian perjanjian lainnya yang mempunyai sifat yang sama yang berlaku untuk masa lebih dari 3 tahun atau perpanjangannya yang mengakibatkan jangka waktu lebih dari 3 tahun.

Direksi harus mendapat persetujuan tertulis dan atau surat-surat yang berkenaan turut ditandatangani Dewan Komisaris. Sedangkan untuk perbuatan tidak menagih lagi, mengalihkan dan melepaskan hak atas:· Piutang pokok macet dalam rangka restrukturisasi

kredit dan atau· Piutang pokok macet yang telah di hapus buku dalam

rangka penyelesaian kredit. Harus mendapatkan persetujuan terlebih dulu dari RUPS.

Kewenangan tidak menagih lagi, mengalihkan dan melepaskan hak tersebut di atas dapat dilimpahkan oleh RUPS kepada Dewan Komisaris.

4. Perbuatan hukum untuk mengalihkan, melepaskan hak atau menjadikan jaminan hutang seluruh atau lebih dari ½ bagian dari jumlah harta kekayaan Perseroan (setelah dikurangi seluruh kewajiban) sebagaimana dinyatakan dalam neraca Bank yang terakhir diaudit oleh kantor akuntan publik. Baik dalam satu atau beberapa transaksi yang berdiri sendiri ataupun yang berkaitan satu sama lain dalam satu tahun buku, harus mendapatkan persetujuan RUPS yang dihadiri oleh pemegang saham paling sedikit ¾ bagian dari jumlah seluruh saham hak suara yang sah dan disetujui oleh paling kurang bagian ¾ dari jumlah seluruh suara yang dikeluarkan secara sah dalam rapat.

Kewajiban1. Wajib mempertanggungjawabkan pelaksanaan tugasnya

kepada pemegang saham melalui RUPS2. Wajib mengungkapkan kepada pekerja kebijakan Bank yang

bersifat strategis di bidang kepegawaian.3. Wajib menyusun kebijakan Remunerasi yang paling sedikit

memuat :· Skala Remunerasi berdasarkan tingkat dan jabatan; dan· Metode dan mekanisme penetapan Remunerasi

4. Wajib menyampaikan informasi kepada Otoritas Jasa Keuangan dan Bursa Efek atas kepemilikan dan setiap perubahan kepemilikannya atas saham Perusahaan Terbuka.

5. Wajib menciptakan dan memelihara Sistem Pengendalian Intern yang efektif serta memastikan bahwa sistem tersebut berjalan secara aman dan andal sesuai dengan tujuan pengendalian intern yang ditetapkan oleh Bank;

6. Wajib menerapkan prinsip-prinsip Tata Kelola yang baik dalam setiap kegiatan usaha Bank pada seluruh tingkatan atau jenjang organisasi

7. Wajib menindakJanjuti temuan audit dan rekomendasi dari satuan kerja audit intern Bank, auditor eksternal, hasil pengawasan Otoritas Jasa Keuangan dan/atau hasil pengawasan otoritas lain

8. Wajib rnenyediakan data dan informasi yang akurat, relevan, dan tepat waktu kepada Dewan Komisaris

agreements that have the same nature which is valid for a period of more than 3 years or an extension which results in a period of more than 3 years.

The Board of Directors must obtain written approval and or letters regarding the signing of the Board of Commissioners. As for the act of not charging anymore, transferring and releasing the rights to:· Bad principal receivables for credit restructuring and

or· Bad principal receivables that have been written off

in the context of credit settlement Must get prior approval from the AGM. The authority to

not collect more, transfer and release the above rights can be delegated by the GMS to the Board of Commissioners.

4. Legal actions to transfer, relinquish rights or make debt guarantees for all or more than ½ part of the total assets of the Company (after deducting all liabilities) as stated in the Bank’s balance sheet, which was last audited by a public accounting firm. Either in one or several independent transactions or related to one another in the financial year, must obtain the approval of the GMS attended by shareholders at least ¾ part of the total number of shares of valid voting rights and approved by at least part ¾ of the total all votes issued legally at a meeting.

Obligations1. Obliging to account for the implementation of their duties to

shareholders through the GMS2. Must disclose to employees Bank policies that are strategic in

the area of employment.3. Must prepare a Remuneration policy that at least contains:

· Remuneration scale based on level and position; and· Methods and mechanisms for determining Remuneration

4. Must submit information to the Financial Services Authority and the Stock Exchange on ownership and any changes in ownership of shares in the Public Company.

5. Must create and maintain an effective Internal Control System and ensure that the system runs safely and reliably in accordance with the objectives of internal control set by the Bank;

6. Must apply the principles of good governance in all business activities of the Bank at all levels or levels of the organisation

7. Must follow up on audit findings and recommendations from the Bank’s internal audit work unit, external auditors, the results of supervision of the Financial Services Authority and/or the results of supervision of other authorities.

8. Must provide accurate, relevant and timely data and information to the Board of Commissioners.






9. Wajib melaksanakan tugas dan tanggung jawab terkait dengan penerapan Manajemen Risiko sesuai dengan ketentuan yang berlaku

10. Wajib menumbuhkan dan mewujudkan terlaksananya Budaya Kepatuhan pada semua tingkatan organisasi dan kegiatan usaha Bank serta memastikan terlaksananya Fungsi Kepatuhan Bank

11. Wajib mengungkapkan remunerasi dan fasilitas lain sesuai dengan ketentuan yang berlaku pada laporan pelaksanaan tata kelola dengan mengacu pada Peraturan Otoritas Jasa Keuangan mengenai Penerapan Tata Kelola dalam Pemberian Remunerasi bagi Bank Umum;

12. Melaksanakan tugas dan wewenang lainnya sebagaimana ditetapkan oleh ketentuan perundang-undangan yang berlaku.

Tanggung Jawab 1. Setiap anggota Direksi bertanggung jawab secara tanggung

renteng atas kerugian Perseroan yang disebabkan oleh kesalahan atau kelalaian anggota Direksi dalam menjalankan tugasnya, kecuali dapat membuktikan :a) Kerugian tersebut bukan karena kesalaban atau kelalaiannya

telah melakukan pengurusan dengan itikad baik, penuh tanggung jawab, dan kehati-hatian untuk kepentingan dan sesuai dengan maksud dan tujuan Emiten atau Perusahaan Publik

b) Tidak mempunyai benturan kepentingan baik langsung maupun tidak langsung atas tindakan pengurusan yang mengakibatkan kerugian

c) Telah mengambil tindakan untuk mencegah timbul atau berlanjutnya kerugian tersebut

2. Dalam rangka pengendalian umum, Direksi bertanggung jawab menciptakan struktur pengendalian intern (Audit Intern, Manajemen Risiko, dan Komite Manajemen Risiko, Unit Kerja Kepatuhan), menjamin terlaksananya fungsi audit intern dalam setiap tingkatan manajemen dan menindak-lanjuti temuan audit sesuai dengan kebijakan dan pengarahan yang diberikan Dewan Komisaris, temuan Pengawas Bank Indonesia/OJK dan atau hasil pengawasan otoritas lainnya.

Hak dan Wewenang Direksi

1. Direktur Utama berhak dan berwenang bertindak untuk dan atas nama Direksi serta mewakili perusahaan. Dalam hal Direktur Utama tidak hadir atau berhalangan kerena sebab apapun juga, hal mana tidak perlu dibuktikan kepada pihak ketiga, maka salah seorang anggota Direksi lainnya berhak dan berwenang bertindak untuk dan atas nama Direksi serta mewakili Perseroan.

2. Direksi dengan tidak mengurangi tanggung jawabnya berhak untuk mengangkat seorang atau lebih sebagai kuasanya dengan memberikan kepada mereka wewenang untuk melakukan tindakan-tindakan tertentu dengan cara mengeluarkan surat kuasa khusus. Wewenang demikian harus dilaksanakan sesuai Anggaran Dasar Perseroan.

9. Must carry out duties and responsibilities related to the application of Risk Management by the applicable regulations.

10. Must foster and realize the implementation of Compliance Culture at all levels of the Bank’s organization and business activities and ensure the implementation of the Bank’s Compliance Function.

11. Must disclose the remuneration and other facilities in accordance with the provisions in force in the report on governance implementation with reference to the Financial Services Authority Regulation on the Application of Governance in Providing Remuneration for Commercial Banks.

12. Carrying out other duties and authority as determined by the provisions of the applicable legislation.

Responsibilities1. Each member of the Board of Directors is jointly and severally

liable for the Company’s losses caused by errors or negligence of the members of the Board of Directors in carrying out their duties, except if they can prove:a) The loss is not due to the negligence or negligence that

has been carried out in good faith, full responsibility and prudence in the interests of and in accordance with the aims and objectives of the Issuer or Public Company

b) Has not had a conflict of interest either directly or indirectly for the management action that results in losses

c) Has taken actions to prevent the loss arising or continuing

2. In the context of general control, the Board of Directors is responsible for creating an internal control structure (Internal Audit, Risk Management, and Risk Management Committee, Compliance Work Unit), ensuring the implementation of the internal audit function at every level of management and following up on audit findings in accordance with policies and directions given by the Board of Commissioners, findings of Bank Indonesia/FSA Supervisors and/or other supervisory authorities.

Rights and Authorities of the Board of Directors

1. The President Director has the right and authority to act for and on behalf of the Directors and represent the company. In the event that the President Director is absent or is unable to attend due to any reason, which does not need to be proven to a third party, then another member of the Board of Directors has the right and authority to act for and on behalf of the Directors and represent the Company.

2. The Board of Directors, without prejudice to their responsibilities, has the right to appoint one or more of them as proxies by giving them the authority to take certain actions by issuing special powers of attorney. Such authority must be exercised in accordance with the Company’s Articles of Association.






Tugas dan Tangggung Jawab Masing-Masing Direksi

Pembagian tugas dan wewenang setiap anggota Direksi ditetapkan oleh RUPS dan telah dikuatkan didalam pedoman tata kerja Direksi, tanggal 4 Oktober 2018 sebagai berikut:

Direktur Utama1. Meningkatkan prudential banking, agar dalam kegiatan bank

senantiasa berpedoman kepada Standar Operasional dan Prosedur (SOP), kepatuhan dan Manajemen Risiko.

2. Menyusun perencanaan dan konsep-konsep strategi pencapaian sasaran-sasaran bisnis sesuai dengan perencanaan anggaran yang telah ditetapkan dalam rapat kerja tahunan serta melakukan evaluasi berkala atas pencapaian sasaran bisnis.

3. Meningkatkan citra dan kinerja bank yang diperlihatkan oleh neraca dan bank profitability (income statement) yang optimum dengan pencapaian tingkat kesehatan bank kategori “sehat tanpa syarat” berdasarkan hasil pemeriksaan tahunan Otoritas Jasa Keuangan pada tahun yang bersangkutan.

4. Meningkatkan kualitas sumber daya manusia melalui pendidikan dan latihan yang terstruktur sesuai dengan tingkat kebutuhan setiap unit kerja yang ada.

5. Mengkoordinasi pelaksanaan tugas Divisi Sekretariat Perusahaan dan Satuan Kerja Audit Internal

6. Melaksanakan tugas lainnya sesuai dengan ketentuan yang berlaku

Direktur Bisnis1. Melaksanakan prudential banking agar dalam kegiatan bank

senantiasa berpedoman kepada Standar Operasional dan Standar (SOP), kepatuhan dan Manajemen Risiko.

2. Menyusun perencanaan dan konsep-konsep strategi pencapaian sasaran-sasaran kerja sesuai dengan perencanaan anggaran Direktorat Bisnis yang telah ditetapkan dalam rapat kerja tahunan.

3. Meningkatkan image bank melalui penciptaan strategi pemasaran yang inovatif, efektif, dan efisien serta menentukan segmentasi pasar kredit.

4. Meningkatkan hubungan baik dengan nasabah utama (captive) dan menciptakan nasabah baru (menambah customer base), baik agribisnis maupun sektor potensial lainnya.

5. Menjaga dan meningkatkan hubungan baik dengan lembaga-lembaga yang berkaitan erat dengan kredit dan pendanaan.

6. Meningkatkan kualitas sumber daya manusia melalui pendidikan dan latihan yang terstruktur sesuai dengan tingkat kebutuhan setiap unit kerja yang ada di bawahnya.

7. Mengkoordinasi dan memantau pelaksanaan satuan kerja di bawah supervisi Direktorat Bisnis serta Komite Kredit.


Duties and Responsibilities of Directors in Respect

The division of duties and authority of each member of the Board of Directors is determined by the GMS and has been strengthened in the Directors’ work procedures guidelines, dated October 4, 2018 as follows:

President Director1. Increasing prudential banking, so that the activities of banks

are always guided by Operational Standards and Procedures (SOP), compliance and Risk Management.

2. Arranging plans and strategies for achieving business targets in accordance with the planned budget set in the annual work meeting and conducting periodic evaluations of the achievement of business goals.

3. Improving the image and performance of the bank shown by the optimum balance sheet and bank profitability (income statement) with the achievement of the level of soundness of the bank category “healthy without conditions” based on the results of the annual inspection of the Financial Services Authority in the relevant year.

4. Improving the quality of human resources through structured education and training in accordance with the level of needs of each existing work unit.

5. Coordinating the implementation of the duties of the Corporate Secretariat Division dan the Internal Audit Work Unit.

6. Undertaking other tasks in accordance with applicable regulations

Director of Business1. Carrying out prudential banking so that the bank’s activities

are always guided by Operational Standards and Standards (SOP), compliance and Risk Management.

2. Developing a plan and strategic concepts to achieve work targets in accordance with the Business Directorate’s budget planning that has been determined at the annual work meeting.

3. Improving the bank’s image through the creation of innovative, effective and efficient marketing strategies and determining credit market segmentation.

4. Improving good relationships with key customers (captive) and create new customers (add customer base), both agribusiness and other potential sectors.

5. Maintaininging good relations with institutions closely related to credit and funding.

6. Improving the quality of human resources through structured education and training in accordance with the level of needs of each work unit below.

7. Coordinating and monitoring the implementation of the work unit under the supervision of the Business Directorate and the Credit Committee.

8. Carrying out other tasks in accordance with applicable regulations






Direktur Pengendalian Risiko Kredit dan Pendanaan

1. Meningkatkan prudential banking agar dalam kegiatan bank senantiasa berpedoman kepada Standar Operasional dan Standar (SOP), kepatuhan dan Manajemen Risiko.

2. Menyusun perencanaan dan konsep-konsep strategi pencapaian sasaran-sasaran kerja sesuai dengan perencanaan anggaran Direktorat Pengendalian Risiko Kredit dan Pendanaan.

3. Meningkatkan image pelayanan bank melalui penciptaan program inovatif dan produk dana pihak ketiga (DPK).

4. Meningkatkan tertib administrasi, khususnya dalam hubungannya dengan perkreditan agar terciptanya pengelolaan bank yang hati-hati atau prudential banking.

5. Meningkatkan pembinaan dan penyelesaian atas kredit-kredit bermasalah agar tingkat kesehatan bank tetap terjaga.

6. Mengkoordinasi dan memantau pelaksanaan satuan kerja di bawah supervisi Direktorat Pengendalian Risiko Kredit dan Pendanaan yaitu Divisi Pengendalian Risiko Kredit dan Divisi Funding & Transaction Banking serta Komite Kebijakan Kredit.

7. Meningkatkan kualitas sumber daya manusia melalui pendidikan dan latihan yang terstruktur sesuai dengan tingkat kebutuhan setiap unit kerja yang ada di bawahnya


Direktur Operasional dan Keuangan1. Meningkatkan prudential banking agar dalam kegiatan Bank

senantiasa berpedoman kepada Standar Operasional dan Prosedur (SOP), kepatuhan dan Manajemen Risiko.

2. Menyusun perencanaan dan konsep-konsep strategi pencapaian sasaran-sasaran kerja sesuai dengan perencanaan anggaran Direktorat Operasional dan Keuangan yang telah ditetapkan dalam rapat kerja tahunan.

3. Meningkatkan image pelayanan bank melalui penciptaan program inovatif dan produk treasury.

4. Meningkatkan tertib pencatatan keuangan agar selalu patuh kepada Pedoman Standar Akuntansi Keuangan (PSAK) yang berlaku.

5. Meningkatkan kualitas sumber daya manusia melalui pendidikan dan latihan yang terstruktur sesuai dengan tingkat kebutuhan setiap unit kerja yang ada di bawahnya.

6. Mengkoordinasikan dan memantau pelaksanaan satuan kerja yang berada di bawah Direktorat Operasional dan Keuangan yaitu Divisi Operasional, Divisi Teknologi Informasi, Desk Treasury, dan Divisi Change Management serta Komite Aset dan Liabilitas (ALCO) dan Komite Pengarah Teknologi Informasi.

Direktur Kepatuhan1. Memantau terlaksananya Budaya Kepatuhan pada semua

tingkatan organisasi dan kegiatan usaha Bank

Director of Credit Risk Control and Funding

1. Increasing prudential banking so that bank activities are always guided by Operational Standards and Standards (SOP), compliance and Risk Management.

2. Developing a plan and strategic concepts to achieve work targets in accordance with the budget planning of the Directorate of Credit Risk Management and Funding.

3. Improving the image of bank services through the creation of innovative programs and third party fund products.

4. Improving administrative order, especially in relation to credit in order to create prudential banking management.

5. Increasing guidance and resolution of problem loans so that the bank’s health level is maintained.

6. Coordinating and monitoring the implementation of work units under the supervision of the Directorate of Credit Risk Management and Funding, namely the Credit Risk Control Division and the Funding & Transaction Banking Division and the Credit Policy Committee.

7. Improving the quality of human resources through education and training that is structured in accordance with the level of needs of each work unit that is underneath

8. Undertaking other tasks in accordance with applicable regulations

Director of Operations and Finance1. Increasing prudential banking so that the Bank’s activities are

always guided by Operational Standards and Procedures (SOP), compliance and Risk Management.

2. Developing a plan and strategic concepts for achieving work targets in accordance with the budget planning of the Directorate of Operations and Finance which have been determined in the annual work meeting.

3. Improving the image of bank services through the creation of innovative programs and treasury products.

4. Improving the orderly nature of financial records so that they always comply with the applicable Financial Accounting Standards (PSAK).

5. Improving the quality of human resources through education and training that are structured in accordance with the level of needs of each work unit below.

6. Coordinating and monitoring the implementation of work units under the Operations and Finance Directorate, namely the Operational Division, Information Technology Division, Treasury Desk, and Change Management Division and the Asset and Liability Committee (ALCO) and the Information Technology Steering Committee.

Director of Compliance1. Monitoring the implementation of Compliance Culture at all

levels of the Bank’s organization and business activities






2. Memantau pengelolaan Risiko Kepatuhan yang dihadapi oleh Bank

3. Memastikan kepatuhan Bank terhadap komitmen yang dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/atau otoritas pengawas lain yang berwenang;

4. Memantau dan meningkatkan prudential banking agar dalam kegiatan bank senantiasa berpedoman kepada Standar Operasional dan Prosedur (SOP), kepatuhan dan Manajemen Risiko.

5. Menetapkan langkah-langkah yang diperlukan untuk memastikan Bank telah memenuhi seluruh peraturan Bank Indonesia dan peraturan perundang-undangan lain yang berlaku dalam rangka pelaksanaan prinsip kehati-hatian.

6. Memantau dan menjaga agar kegiatan usaha Bank tidak menyimpang dari ketentuan yang berlaku.

7. Mencegah Direksi Bank agar tidak menempuh kebijakan dan/atau menetapkan keputusan yang menyimpang dari peraturan Bank Indonesia dan peraturan perundang-undangan lain yang berlaku.

8. Mengkoordinasi dan memantau pelaksanaan satuan kerja di bawah supervisi Direktorat Kepatuhan yaitu Divisi Kepatuhan, Manajemen Risiko dan Hukum serta Divisi Manajemen Sumberdaya Manusia.

9. Wajib melaporkan tugas dan tanggung jawabnya secara berkala kepada Direktur Utama dengan tembusan kepada Komisaris paling sedikit secara triwulanan

10. Meningkatkan kualitas sumber daya manusia melalui pendidikan dan latihan yang terstruktur sesuai dengan tingkat kebutuhan setiap unit kerja yang ada di bawahnya

11. Dalam rangka penerapan Program Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT), Direktur Kepatuhan memiliki tugas dan tanggung jawab sekurang-kurangnya untuk:- mengusulkan kebijakan dan prosedur tertulis bersifat

strategis mengenai penerapan program APU dan PPT kepada Dewan Komisaris

- memastikan adanya pembahasan terkait pencucian uang dan/atau pendanaan terorisme dalam rapat Direksi dan Dewan Komisaris

- menetapkan langkah-langkah yang diperlukan untuk memastikan Bank telah memenuhi ketentuan Otoritas Jasa Keuangan tentang APU dan PPT dan peraturan perundang-undangan lainnya yang terkait

- memastikan cakupan pengawasan aktif Direksi telah terpenuhi secara memadai

12. Melaksanakan tugas lainnya scsuai dengan ketentuan yang berlaku

Etika Kerja

Dalam melaksanakan tugas, wewenang, kewajiban, dan tanggung jawab sebagaimana dimaksud diatas, anggota Direksi harus senantiasa bertindak sesuai dengan etika kerja sebagai berikut:

2. Monitoring the management of Compliance Risks faced by the Bank

3. Ensuring the Bank’s compliance with commitments made by the Bank to the Financial Services Authority and/or other authorised supervisory authorities;

4. Monitoring and improving prudential banking so that bank activities are always guided by Operational Standards and Procedures (SOP), compliance and Risk Management.

5. Determining the steps needed to ensure that the Bank has fulfilled all Bank Indonesia regulations and other applicable laws and regulations in order to implement the precautionary principle.

6. Monitoring and maintaining that the Bank’s business activities do not deviate from applicable regulations.

7. Prevenings the Board of Directors of the Bank from pursuing policies and/or making decisions that deviate from Bank Indonesia regulations and other applicable laws and regulations.

8. Coordinating and monitoring the implementation of work units under the supervision of the Compliance Directorate, namely the Compliance, Risk Management and Legal Division and Human Resources Management Division.

9. Must report their duties and responsibilities periodically to the President Director with a copy to the Commissioners at least quarterly.

10. Improving the quality of human resources through education and training that is structured in accordance with the level of needs of each work unit below

11. In the context of implementing the Anti-Money Laundering (APU) and Prevention of Terrorism Funding (PPT) Program, the Compliance Director has the duties and responsibilities of at least for:- proposing strategic written policies and procedures

regarding the implementation of the AML and CFT programs to the Board of Commissioners

- ensuring there is discussion regarding money laundering and/or financing of terrorism in meetings of the Directors and Board of Commissioners

- stipulating the steps needed to ensure that the Bank has fulfilled the Financial Services Authority provisions regarding APU and PPT and other relevant laws and regulations

- ensuring that the scope of active supervision of the Board of Directors has been adequately met

12. Carrying out other tasks in accordance with applicable provisions

Work Ethics

In carrying out the duties, authorities, obligations and responsibilities as mentioned above, members of the Board of Directors must always act in accordance with the following work ethics:






1. Mematuhi Anggaran Dasar Perseroan dan peraturan perundang-undangan yang berlaku serta senantiasa memperhatikan prinsip transparansi, akuntabilitas, pertanggungjawaban, independen dan profesionalisme.

2. Bertindak sesuai visi dan misi Perseroan3. Beritikad baik dan penuh kehati-hatian dalam pengelolaan

Perseroan4. Menghindari aktivitas yang mengandung benturan kepentingan

antara kepentingan pribadi, keluarga, pemegang saham atau pihak lain dengan kepentingan Perseroan

5. Dilarang mengambil keuntungan dan/atau menerima keuntungan pribadi dari Perseroan selain remunerasi dan fasilitas lain yang ditetapkan

6. Apabila terdapat transaksi yang berpotensi mengandung benturan kepentingan, maka harus terlebih dahulu dilakukan tahapan sesuai dengan peraturan perundang-undangan yang berlaku seperti Peraturan Badan Pengawas Pasar Modal dan Lembaga Keuangan maupun Peraturan Otoritas Jasa Keuangan

7. Dilarang untuk memberikan atau menawarkan kepada nasabah atau seorang pejabat Pemerintah dalam bentuk apapun dengan tujuan untuk mempengaruhi keputusan dari nasabah atau pejabat dimaksud terkait dengan jabatannya baik langsung maupun tidak langsung.

8. Memberikan keteladanan atas perilaku etis dan nilai-nilai korporasi Perseroan.

Waktu Kerja

Pengaturan waktu kerja anggota Direksi diatur bahwa setiap anggota Direksi wajib menyediakan waktu yang cukup untuk rnelaksanakan tugasnya disetiap hari kerja.

Pengelolaan Benturan Kepentingan Direksi

Dalam hal terjadi benturan kepentingan. anggota Direksi dilarang mengarnbil tindakan yang dapat merugikan Bank atau rnengurangi keuntungan Bank dan wajib mengungkapkan benturan kepentingan dalam setiap keputusannya, sehingga untuk melakukan perbuatan hukum berupa transaksi yang memuat benturan kepentingan antara kepentingan ekonomis pribadi anggota Direksi tersebut diperlukan persetujuan RUPS berdasar suara terbanyak dari pemegang saham yang tidak mempunyai benturan kepentingan.

Keputusan dan Pelaksanaan Tugas Direksi

Sepanjang tahun 2019, Direksi telah membuat berbagai keputusan yang ditujukan untuk menunjang operasional Bank dan menunjang upya Bank dalam mencapai target yang ditetapkan, antara lain:

1. Complying with the Company’s Articles of Association and applicable laws and regulations and always pay attention to the principles of transparency, accountability, responsibility, independence and professionalism.

2. Acting according to the Company’s vision and mission3. Good tendency and prudence in managing the Company

4. Avoiding activities that contain conflicts of interest between personal, family, shareholder or other parties’ interests and the interests of the Company

5. Prohibited from taking profit and/or receiving personal profit from the Company other than remuneration and other specified facilities

6. If there is a transaction that has the potential to contain a conflict of interest, it must first be carried out stages in accordance with applicable laws and regulations such as Capital Market and Financial Institution Supervisory Agency Regulations and Financial Services Authority Regulations

7. It is forbidden to give or offer a customer or a Government official in any form with the aim of influencing the decision of the customer or said official in relation to his position either directly or indirectly.

8. Providing role models for ethical behavior and corporate values of the Company.

Work Hour

The working hours of members of the Board of Directors are regulated that each member of the Board of Directors must provide sufficient time to carry out their duties on each working day.

Management of Directors’ Conflicts of Interest

In the event of a conflict of interest. members of the Board of Directors are prohibited from taking actions that can harm the Bank or reduce the profit of the Bank and are required to disclose conflicts of interest in each of their decisions, so that to take legal action in the form of a transaction that contains a conflict of interest between the personal economic interests of the members of the Board of Directors, it is necessary to approve the GMS based on the majority vote of the shareholders has no conflict of interest.

Decision and Implementation of Directors’ Duties

Throughout 2019, the Board of Directors has made various decisions aimed at supporting the Bank’s operations and supporting the Bank’s efforts to achieve the targets set, including:






No. Surat KeputusanDecree

TentangConcern

TanggalDate

1. Nokep. 17/DIR.01.05/CMG/01/2019 Penetapan Limit Kewenangan Swift

Determination of the Swift Authority Limit

22 Januari 2019January 22, 2019

2. Nokep. 27/DIR/01.03/CMG/01/2019 Penetapan Kembali Kewenangan Fiat Non Tunai Pejabat Divisi Operasional

Re-Establishing the Authority of Non-Cash Fiat Operational Division Officials

25 Januari 2019Januari 25, 2019

3 No.Kpts.B.31/Dir.01.03/CMG/02/2019 Penetapan Penggunaan Lisensi Microsoft Office pada Satuan Kerja BRI AGro Kantor Pusat dan Unit Kerja BRI Agro Selindo

Determination of the Use of Microsoft Office Licenses in BRI Agro Work Unit Headquarters and BRI Agro Selindo Work Units

4 No.Kpts.B.36/DIR.01.03/CMG/01/2019 Penetapan Kembali Limit Kas Khasanah Kantor Cabang Utama dan Kantor Cabang Kuningan

Determination of the Use of Microsoft Office Licenses in BRI Agro Work Unit Headquarters and BRI Agro Selindo Work Units


5 No.Kpts. B.03/DIR.01.03/CMG/02/2019 Penetapan Kembali Batas Kewenangan Pengeluaran Biaya Pemasaran Dana, Biaya Atensi Relasi & Biaya Humas di Kantor Cabang

Re-establishment of Authority for Spending Costs of Marketing Costs and, Relationship Attention Costs & Public Relations Costs at Branch Offices

5 Februari 2019February 5, 2019

6 No.Kpts.B/17/DIR01.02/SDM/KSD/02/2019 Ketentuan Pengupahan Pekerja BRI Agro 2019

BRI Agro Employee Wage Provisions 2019


7 No.Kpts. 08A/DIR.01.03/DCM/02/2019 Petunjuk Pelaksanaan Pembukuan Aplikasi PINANG

Instructions on Bookkeeping of the PINANG Application


8 No.Kpts. B.02/Dir.01.03/DCM/03/2019 Pedoman Operasional Virtual Account BRI Agro

BRI Agro Virtual Account Operational Guidelines

4 Maret 2019March 4, 2019

9 No. Kpts.B.07/Dir.01.03/CMG/03/2019 Standarisasi Kendaraan Dinas dan Kendaraan Operasional Unit Kerja Operasional

Standardisation of Service Vehicles and Operational Vehicles of Operational Work Units

21 Maret 2019March 21, 2019

10 No. Kpts.B 01/DIR.01.03/CMG/04/2019 Buku Pedoman Operasional Bab 19 - Transaksi Valuta Asing (Revisi)

Operational Manual Chapter 19 - Foreign Exchange Transactions (Revised)


11 No.Kpts.B.03/Dir.01.02/SDM/04/2019 Tim Perunding yang Mewakili Perusahaan Dalam Perundingan Perjanjian Kerja Bersama (PKB) PT Bank Rakyat Indonesia Agroniaga Tbk

The Negotiating Team Representing the Company in the Collective Bargaining Agreement of PT Bank Rakyat Indonesia Agroniaga Tbk








TentangConcern

TanggalDate

12 No.Kpts.B.04A/Dir.01.02/SDM/KSD/04/2019 Insentif Pekerja

Worker Incentives

10 April 2019April 10, 2019

13 No.Kpts. B.07/DIR.01.03/CMG/04/2019 Penetapan Kembali Limit Kas Khasanah Kantor Cabang Utama - BRI Agro

Re-establishment of Khasanah Cash Limit Main Branch Office - BRI Agro

15 April 2019April 15, 2019

14 No.Kpts.B.25/Dir.03.04/CMG/04/2019 Pedoman Pengadaan Barang dan Jasa (Revisi)

Guidelines for Procurement of Goods and Services (Revised)

29 April 2019April 29, 2019

15 No. Kpts.B.30/Dir.03.04/CMG/04/2019 Pedoman Umum Penanganan dan Penyelesaian Pengaduan Nasabah (Revisi)

General Guidelines for Handling and Settling Customer Complaints (Revised)

30 April 2019April 30, 2019

16 No.Kpts.B.43/Dir.03.04/CMG/04/2019 Mass Acount Opening BRI Agro 30 April 2019April 30, 2019

17 No. Kpts.B.01/Dir.01.03/CMG/05/2019 Kebijakan Bisnis Internasional BRI Agro

BRI Agro International Business Policy

3 Mei 2019May 3, 2019

18 No. Kpts.21/Dir.01.02/SDM/KSD/05/2019 Perubahan atas Pasal 2 Surat Keputusan Direksi No. Kpts.18/DIR.04.05/MSDM/11 2018 tentang Waktu Kerja

Amendment to Article 2 of Directors Decree No. Kpts.18/DIR.04.05/MSDM/11 2018 concerning Working Time

24 Mei 2019May 24, 2019

19 No.Kpts. 01/Dir.01.02/SDM/KSD/07/2019 Revisi Pengaturan Waktu Lembur Pekerja BRI Agro

Revised BRI Agro Workers Overtime Arrangement

4 Juli 2019July 4, 2019

20 No. Kpts. B.30/Dir.01.02/KRH/07/2019 Pedoman Pelaksanaan Program Anti Pencucian Uang Dan Pencegahan Pendanaan Terorisme (APPU-PPT) (Revisi)

Guidelines for Implementing the Anti-Money Laundering and Prevention of Terrorism Funding Program (APPU-PPT) (Revised)

26 Juli 2019July 26, 2019

21 No.Kpts.40/Dir.01.02/KRH/07/2019 Strategi Anti Fraud

Anti Fraud Strategy

31 Juli 2019July 31, 2019

22 No.Kpts.B.17/Dir.01.05/CMG/08/2019 Penetapan Kembali Struktur Organisasi PT Bank Rakyat Indonesia Agroniaga Tbk

Re-Establishing Organisational Structure of PT Bank Rakyat Indonesia Agroniaga Tbk


23 No.Kpts.52/DIR.01.05/CMG/08/2019 Penetapan Klasifikasi Kantor Cabang BRI Agro Tahun 2019

Establishment of BRI Agro Branch Classification in 2019


24 No. Kpts 79/DIR.01.02/KRH/08/2019 Revisi Limit Transaksi Dealer

Revised Dealer Transaction Limit

30 Agustus 2019

August 30, 2019







TentangConcern

TanggalDate

25 No. Kpts. B.80/Dir.01.05/CMG/08/2019 Petunjuk Pelaksanaan Pemasaran Kartu Elektronik Co-Branding Prepaid BRI BRIZZI (Revisi)

BRI BRIZZI Prepaid Co-Branding Electronic Card Marketing Implementation Manual (Revised)

30 Agustus 2019

August 30, 2019

26 No.Kpts.B.14/Dir.02.03/SDM/PSD/09/2019 Kenaikan Person Grade dan Promosi

Increase in Person Grade and Promotion

13 September 2019

September 13, 2019

27 No. Kpts. B.26/DIR.03.04/CMG/10/2019 Pedoman Pelaksanaan Data Governance/Tata Kelola Data - BRI Agro

Guidelines for Implementing Data Governance / Data Governance - BRI Agro

30 Oktober 2019

October 30, 2019

28 No. Kpts. B.63/Dir.03.05/CMG/11/2019 Penerimaan Devisa Hasil Ekspor dari Kegiatan Pengusahaan, Pengelolaan dan/atau Pengolahan Sumber Daya Alam

Foreign Exchange Receipts from Exports from Business Activities, Management and / or Processing of Natural Resources

4 November 2019

November 4, 2019

29 No. Kpts. B.64/Dir.03.04/CMG/11/2019 Pedoman Pelaksanaan SKNBI & RTGS

Guidelines for Implementing SKNBI & RTGS

12 November 2019

November 12, 2019

30 No.Kpts: B.10/DIR.01.02/KRH/11/2019 Kebijakan Umum Manajemen Risiko

General Risk Management Policy

19 November 2019

November 19, 2019

31 No.Kpts. B.19/Dir.03.05/CMG/11/2019 Standar Menu Pengguna Aplikasi Finacle

Finacle Application User’s Standard Menu

26 November 2019

November 26, 2019

32 No. Kpts. B. 18/Dir.01.02/PSD/SDM/11/2019 Program Internalisasi dan Eksternalisasi Budaya Kerja (Corporate Culture)

Internalizing and Externalizing Work Culture (Corporate Culture) Program

22 November 2019

November 22, 2019

33 No.Kpts. B.23/Dir.02.03/KSD/SDM/12/2019 Sistem Manajemen Kinerja

Performance Management System

31 Desember 2019

December 31, 2019

Sertifikasi Manajemen Risiko

Sebagaimana diatur dalam Peraturan Bank Indonesia No. 11/19/PBI/2009 tentang Sertifikasi Manajemen Risiko bagi Pengurus dan Pejabat Bank Umum, Dewan Komisaris dan Direksi wajib memiliki Sertifikat Manajemen Risiko yang diterbitkan oleh Lembaga Sertifikasi Profesi, dengan klasifikasi sebagai berikut:

JabatanPosition

Level Masa berlakuValidity Period



4 tahun4 years



4 tahun4 years

Direktur Utama dan Direktur dengan aset 1 hingga 10TManaging Director and Director with assets of 1 to 10 Trillion

4 2 tahun2 years

Risk Management Certification

As regulated in Bank Indonesia Regulation No. 11/19/PBI/2009 concerning Risk Management Certification for Management and Officers of Commercial Banks, Board of Commissioners and Directors must have a Risk Management Certificate issued by a Professional Certification Agency, with the following classification:






Dalam hal masa berlaku sertifikasi tersebut telah habis, maka wajib dilakukan Program Pemeliharaan (Refreshment) secara berkala minimal 1 (satu) kali dalam 4 (empat) tahun untuk tingkat 1 dan 2; atau 1 (satu) kali dalam 2 (dua) tahun untuk tingkat 3, 4 dan 5.

Tabel berikut menjabarkan mengenai sertifikasi manajemen risiko yang dimiliki oleh Direksi BRI Agro tahun 2019.

NamaName

JabatanPosition

Level Sertifikasi

Certification Level

BidangField

Lembaga yang mengeluarkan

sertifikasiInstitution Issuing the

Certification

Tanggal dikeluarkan

Date of Admission

Tanggal Kadaluarsa

Date of Expiration



5 manajemen risiko

risk management

LSPP 2 Desember 2019

December 2, 2019

14 Desember 2021

December 14, 2021

Herry Prayudi Direktur Kepatuhan

Director of Compliance

5 manajemen risiko

risk management

LSPP 23 Oktober 2019

October 23, 2019

14 Desember 2021

December 14, 2021



5 manajemen risiko

risk management

LSPP 20 Juli 2019

July 20, 2019

20 Juli 2021

July 20, 2021



5 manajemen risiko

risk management

LSPP 16 Februari 2019

February 16, 2019

16 Februari 2021

February 16, 2021

Program Pengenalan Perusahaan Bagi Direksi Baru

Program Pengenalan kepada Direktur yang baru diangkat bertujuan untuk memberikan pengetahuan mengenai Perseroan, agar dapat memahami tugas dan tanggung jawab sebagai Direktur, proses bisnis Perseroan, serta dapat bekerja selaras dengan Organ Perseroan lainnya.

Sekretaris Perusahaan sebagai pelaksana Program Pengenalan bagi Direktur yang baru diangkat, mempersiapkan materi program pengenalan yang meliputi Program Pengenalan Perusahaan berkaitan dengan :1. Pelaksanaan prinsip-prinsip GCG dalam Perseroan2. Visi, misi, strategi, risiko, posisi kompetitif, kinerja keuangan

dan operasional 3. Kewenangan Komite, Audit Internal dan eksternal dan sistem

pengendalian internal

In the event that the validity period of the certification has expired, it must be carried out a Maintenance Program (Refreshment) periodically at least 1 (one) time in 4 (four) years for levels 1 and 2; or 1 (one) time in 2 (two) years for levels 3, 4 and 5.

The following table describes the risk management certification held by BRI Agro’s Directors in 2019.

Company’s Orientation Program for Newly Appointed Directors

The introduction program for newly appointed Directors aims to provide knowledge about the Company, so that they can understand their duties and responsibilities as a Director, the Company’s business processes, and can work in harmony with other Company Organs.

The Corporate Secretary as the executor of the Introductory Recognition Program for newly appointed Directors, prepares material for the introductory program which includes the Corporate Recognition Program relating to:1. Implementation of GCG principles in the Company2. Vision, mission, strategy, risk, competitive position, financial

and operational performance3. Authority of the Committee, Internal and external audit and

internal control systems






Serta hal-hal penting lainnya yang dapat diberikan berupa presentasi, pertemuan, kunjungan ke Perusahaan dan pengkajian dokumen atau program lainnya.

Pada tahun 2019, terdapat 2 (dua) anggota Direksi baru yang telah mengikuti program orientasi Direksi sebagai berikut:

NamaName

JabatanPosition

KeteranganDescription



RUPS LB tanggal 26 Juni 2019

EGMS dated on June 26, 2019



RUPS LB 23 Januari 2019

EGMS dated on January 23, 2019

Mekanisme Pengunduran Diri dan Pemberhentian Direksi

Pemberhentian keanggotaan Direksi dapat dilakukan sewaktu-waktu oleh RUPS yang dihadiri oleh Pemegang Saham Pengendali apabila anggota Direksi dianggap tidak memenuhi persyaratan dengan adanya bukti yang sah dan memperhatikan peraturan perundang-undangan yang berlaku.

Alasan pemberhentian anggota Direksi antara lain:1. Tidak/kurang dapat memenuhi kewajibannya yang telah

disepakati dalam kontrak manajemen2. Tidak dapt menjalankan tugasnya denganbaik3. Melanggar ketentuan Angaran Dasar dan/atau peratura

perundang-undangan yangberlaku4. Melakukan tindakan yang melanggar etika dan/atau kepatutan

yang seharusnya dihormati sebagai anggota Direksi5. Terlibat dalam tindakan yang merugikan Perseroan dan/atau

negara6. Dinyatakan bersalah dengan putusan pengadilan yang

mempunyai kekuatan hukum yang tetap7. Mengundurkan diri8. Alasan lainnya yang dinilai tepat oleh RUPS demi kepentingan

dan tujuan Perseroan

Keputusan pemberhentian keanggotaan Direksi disampaikan secara tertulis kepada Direksi yang bersangkutan dan diberi kesempatan untuk membela diri dalam RUPS kecuali terkait alasan mengundurkan diri dan dinyatakan bersalah dalam keputusan pengadilan, namun apabila tidak keberatan dan tidak melakukan pembelaan diri maka ketentuan waktu pemberhentian sebagaimana tercantum dalam surat pemberitahuannya dianggap telah terpenuhi.

Seorang anggota Direksi dapat mengundurkan diri sebelum masa jabatannya berakhir dengan memberitahukan secara tertulis mengenai maksudnya tersebut kepada Perseroan dengan tembusan kepada Pemegang Saham, Direksi dan anggota Dewan Komisaris lainnya dan

As well as other important things that can be given in the form of presentations, meetings, company visits and review of documents or other programs.

In 2019, there were 2 (two) new members of the Board of Directors who had followed the Directors orientation program as follows:

Resignation Mechanism and Dismissal of Directors

Termination of the Directors’ membership can be done at any time by the GMS attended by the Controlling Shareholder if the members of the Board of Directors are deemed not to meet the requirements with the existence of valid evidence and observing the applicable laws and regulations.

Reasons for dismissing members of the Board of Directors include:1. Not/less being able to fulfill its obligations agreed in the

management contract2. Not being able to carry out their duties properly3. Violating the provisions of the Basic Budget and/or regulations

that apply4. Performing actions that violate ethics and/or propriety that

should be respected as members of the Board of Directors5. Engaging in actions that harm the Company and/or the country

6. Defined guilty by a court decision that has permanent legal force

7. Resigning8. Other reasons deemed appropriate by the GMS for the interests

and objectives of the Company

The decision to terminate the membership of the Board of Directors shall be submitted in writing to the Board of Directors concerned and given the opportunity to defend themselves at the GMS unless it relates to the reason of resigning and found guilty in a court decision, but if no objection and no self-defense exists then the term of dismissal as stated in the notice is considered has been fulfilled.

A member of the Board of Directors may resign before his term of office expires by notifying the Company’s intention in writing with a copy to Shareholders, Directors and other members of the Board of Commissioners the Company is required to hold a GMS






Perseroan wajib menyelenggarakan RUPS dalam jangka waktu 90 (sembilan puluh) hari setelah diterimanya Surat Pengunduran Diri, untuk menindaklanjuti masalah tersebut atau bila tidak, pengunduran diri akan dianggap sah tanpa memerlukan persetujuan RUPS.

Sebelum pengunduran diri berlaku efekif, Direksi yang bersangkutan tetap berkewajiban untuk menyelesaikan tugas dan tanggung jawabnya sesuai dengan Anggaran Dasar.

Penilaian Kinerja Komite dan Unit Kerja yang Berada di Bawah Direksi

Dalam melaksanakan tugas kepengurusannya, Direksi membentuk komite-komite di bawah Direksi sesuai dengan kebutuhan bisnis Perseroan dan ketentuan regulasi, yang diharapkan dapat menciptakan efektivitas dan efisiensi operasional. Direksi menilai bahwa selama 2019 komite-komite tersebut telah menjalankan tugas dan tanggung jawabnya dengan efektif.

Komite Manajemen Risiko adalah komite yang dibentuk dalam rangka menunjang efektivitas pelaksanaan proses dan sistem manajemen risiko. Komite Manajemen Risiko dibutuhkan sebagai upaya agar pengelolaan seluruh risiko bisnis Perseroan dapat dilakukan secara sistematis terintegrasi dan berkesinambungan. Direksi menilai bahwa Komite Manajemen Risiko telah memberikan kontribusi, menjalankan tugas dan fungsinya dengan baik sesuai dengan kompetensi dan kewenangan yang dimiliki sepanjang tahun 2019.

Komite ALCOALCO adalah komite yang memiliki tugas dan tanggung jawab dalam pembahasan dan pengambilan keputusan strategis terkait pengelolaan produk aset dan liabilitas dengan tetap mempertimbangkan aspek pertumbuhan, kesinambungan bisnis dan profitabilitas. Direksi menilai bahwa rapat-rapat serta keputusan dari Asset Liabilities Management Committee telah dilaksanakan dengan cukup efektif.

Komite Kebijakan Perkreditan dan Pengembangan Produkadalah komite di Kantor Pusat yang membantu Direksi dalam merumuskan kebijakan kredit dan pengembangan produk, baik pinjaman maupun simpanan, mengawasi pelaksanaan kebijakan, serta memberikan saran langkah-langkah perbaikan.

Komite Pengarah Teknologi Informasi adalah komite tertinggi dalam penyelenggaraan teknologi informasi yang bertugas memberikan rekomendasi serta membantu Direksi

in 90 (ninety) days after receipt of the Resignation Letter, to follow up on the matter or if not, the resignation will be considered valid without requiring the approval of the GMS.

Before the resignation had been effectively run, the Board of Directors concerned is still obliged to complete its duties and responsibilities in accordance with the Articles of Association.

Performance Evaluation of Committees and Work Units Under the Directors

In carrying out its management tasks, the Directors form committees under the Directors in accordance with the Company’s business needs and regulatory requirements, which are expected to create operational effectiveness and efficiency. The Board of Directors considers that during 2019 these committees have carried out their duties and responsibilities, effectively.

Risk Management CommitteeS/he is a committee formed in order to support the effectiveness of the implementation of risk management processes and systems. The Risk Management Committee is needed as an effort to manage all the Company’s business risks in a systematic and integrated manner. The Board of Directors considers that the Risk Management Committee has contributed, carried out its duties and functions properly in accordance with their competencies and authorities throughout 2019.

ALCO CommitteeALCO is a committee that has duties and responsibilities in discussing and making strategic decisions related to the management of asset and liability products while still taking into account aspects of growth, business continuity and profitability. The Board of Directors considers that the meetings and decisions of the Asset Liabilities Management Committee have been carried out quite, effectively.

Credit Policy and Product Development Committee

S/he is a committee at the Head Office that assists the Directors in formulating credit policies and product development, both loans and deposits, oversees the implementation of policies, and provides recommendations for corrective measures.

Information Technology Steering CommitteeS/he is the highest committee in the administration of information technology whose task is to provide recommendations and assist






dan Dewan Komisaris dalam memantau kegiatan penyelenggaraan dan kesiapan infrastruktur teknologi informasi. Pelaksanaan tugas Komite Pengarah Teknologi Informasi telah sesuai dengan rencana kerja yang telah ditetapkan dan sangat mendukung implementasi teknologi informasi di Perseroan.

Komite Kreditadalah komite operasional yang membantu Direksi dalam mengevaluasi dan atau memutuskan permohonan kredit untuk jumlah dan atau jenis kredit tertentu yang ditetapkan oleh Direksi.

Direksi menilai bahwa seluruh Komite telah melaksanakan tugasnya dengan optimal. Penilaian tersebut dilaksanakan dengan kriteria hasil kinerja dalam bentuk kontribusi masing-masing Komite kepada Perseroan termasuk laporan dan rekomendasi yang diberikan kepada Direksi.

Penilaian Kinerja Direksi

Berdasarkan Undang-undang No. 40 tahun 2007 tentang Perseroan Terbatas diatur bahwa dalam hal Direksi terdiri dari 2 (dua) anggota Direksi atau lebih maka tanggung jawab Direksi berlaku secara tanggung renteng.

Penilaian Kinerja oleh Pemegang SahamSebagai bentuk akuntabilitas Perseroan, Direksi akan dievaluasi setiap tahunnya oleh Dewan Komisaris untuk disampaikan kepada Pemegang Saham berdasarkan hasil kinerja keseluruhan dari tugas dan kewajiban Direksi secara kolegial. Hal ini menjadi salah satu bahan pertimbangan bagi pemegang saham untuk memberhentikan dan/atau menunjuk kembali anggota Direksi.

Prosedur Pelaksanaan Assessment Kinerja Direksi

Self assessment atau penilaian sendiri dimaksud dilakukan oleh masing-masing anggota Direksi untuk menilai pelaksanaan kinerja Direksi secara kolegial, dan bukan menilai kinerja individual masing-masing anggota Direksi. Dengan adanya self assessment ini diharapkan masing-masing anggota Direksi dapat berkontribusi untuk memperbaiki kinerja Direksi secara berkesinambungan.

Direksi mengisi lembar formulir penilaian kinerja untuk dievaluasi oleh Dewan Komisaris dan Komite Nominasi dan Remunerasi kemudian hasilnya akan dilaporkan kepada pemegang saham.

the Directors and Board of Commissioners in monitoring the implementation of activities and readiness of the information technology infrastructure. The implementation of the Information Technology Steering Committee’s duties is in accordance with the work plans that have been set and strongly supports the implementation of information technology in the Company.

Loan CommitteeS/he is an operational committee that assists the Directors in evaluating and/or deciding credit applications for certain amounts and/or types of credit determined by the Directors.

The Board of Directors considers that all Committees have carried out their duties optimally. The assessment is carried out with performance results criteria in the form of contributions from each Committee to the Company including reports and recommendations given to the Directors.

Directors Performance Assessment

Based on Law No. 40 of 2007 concerning Limited Liability Companies, it is regulated that if the Board of Directors consists of 2 (two) or more members of the Board of Directors, the responsibilities of the Board of Directors apply, jointly and severally.

Performance Assessment by GMSAs a form of accountability of the Company, the Board of Directors will be evaluated annually by the Board of Commissioners to be submitted to Shareholders based on the results of the overall performance of the duties and obligations of the Directors both collegially. This has become one of the considerations for shareholders to dismiss and/or reappoint members of the Board of Directors.

Procedure for Implementing Directors’ Performance AssessmentThe self assessment is carried out by each member of the Board of Directors to assess the collegial performance of the Board of Directors, and not to assess the individual performance of each member of the Board of Directors. With this self assessment it is expected that each member of the Board of Directors can contribute to improving the performance of the Board of Directors on an ongoing basis.

The Board of Directors fills out a performance appraisal form sheet to be evaluated by the Board of Commissioners and the Nomination and Remuneration Committee and the results will be reported to shareholders.






Kriteria Evaluasi Kinerja Direksi Pemegang Saham menetapkan kriteria kinerja Direksi secara kolegial. Kriteria evaluasi kinerja anggota Direksi antara lain meliputi:

1. Tingkat kehadiran dalam Rapat Direksi maupun Rapat Koordinasi Direksi dengan Komisaris.

2. Pertumbuhan kinerja keuangan3. Pertumbuhan jumlah nasabah dan pengukuran kepuasan

nasabah4. Penerapan Tata Kelola Perusahaan yang Baik5. Pengelolaan Sumber Daya Manusia 6. Pengelolaan manajemen risiko7. Ketaatan terhadap Peraturan Perundang-undangan yang

berlaku dan kebijakan perusahaan. 8. Komitmennya terhadap keputusan bersama yang telah dibuat.

Sebagaimana di dalam pedoman kerja Direksi juga disebutkan akan kriteria penilaian untuk Direksi diukur berdasarkan 4 (empat) aspek yaitu:1. Keuangan dan pasar2. Fokus Pelanggan3. Efektivitas Produk dan Proses4. Kepemimpinan, Tata Kelola dan Tanggung Jawab

Kemasayarakatan

Pihak yang Melakukan Assessment Pihak yang melakukan Penilaian kinerja Direksi adalah self assesment dengan persetujuan Dewan Komisaris dan dilaporkan kepada Pemegang Saham Pengendali.

Hasil Penilaian Kinerja Direksi

AspekAspects

Sasaran StrategisStrategic Target KPI Glossary

Bobot KPIValue of

KPI

PencapaianAchievement

NilaiValue

Keuangan & Pasar

Finance & Market

F1. Peningkatan value perusahaan

Increased Company value

1 Market Cap Market Cap BRI AgroBRI Agro Market Cap

5,0% 84,62% 4,23%

F2. Peningkatan profitabilitas perusahaan

Increased company profitability

2 Rp Laba setelah pajakRp Profit after tax

Rp Laba setelah pajakRp Profit after tax

15,0% 100,88% 15,13%

3 Return of Equity Laba Bersih/ Modal

Net Income/Capital

10,0% 100,86% 10,09%

F3. Pertumbuhan Portofolio Pembiayaan yang sehat

Risk-Based Growth Portfolios

4 Penyaluran KreditCredit Distribution

Rp Total KreditRp Total Credit

10,0% 98,70% 9,87%

5 Kualitas PembiayaanQuality of Financing

% NPL Gross 10,0% 92,60% 9,26%

6 Recovery Write Off Rp Recovery 7,5% 64,74% 4,86%

Directors Performance Evaluation CriteriaShareholders sets the performance criteria of the Directors collegialy Criteria for evaluating the performance of members of the Board of Directors include:

1. Level of attendance at the Directors ‘Meetings and the Directors’ Coordination Meeting with the Commissioners.

2. Growth in financial performance3. Growth in the number of customers and measurement of

customer satisfaction.4. Implementation of Good Corporate Governance.5. Management of Human Resources.6. Management of risk management.7. Compliance with applicable laws and regulations and company

policies.8. His/her commitment to joint decisions that have been made.

As in the Board of Directors’ work guidelines it is also stated that the assessment criteria for the Directors are measured based on 4 (four) aspects, namely:1. Finance and markets.2. Customer Focus3. Effectiveness of Products and Processes4. Leadership, Governance and Community Responsibility

Party Conducting the Assessment The evaluation of Board of Directors' performance is self assesment with the approval from Board of Commissioners and submit to Controling Shareholder.

Directors Performance Assessment Results






AspekAspects

Sasaran StrategisStrategic Target KPI Glossary

Bobot KPIValue of

KPI

PencapaianAchievement

NilaiValue

F4. Perbaikan struktur Funding

Improvement of Funding structure

7 Rp Dana Pihak Ketiga

Rp Third Party Funds

Rp Simpanan

Rp Savings

10,0% 99,17% 9,92%

8 Rp CASA BRI Agro

Rp CASA BRI Agro

Rp Dana Murah (Giro & Tabungan)

Rp Cheap Funds (Current Deposits & Savings)

5,0% 91,59% 4,58%

Fokus PelangganCustomer Focus

C1. Peningkatan Jumlah Nasabah

Increased Number of Customers

9 Jumlah Rekening Simpanan

Total Savings Account

Peningkatan jumlah nasabah Simpanan

Increase in the number of deposit customers

7,5% 92,40% 6,93%

10 Jumlah Debitur Pinang

Amount of Pinang Debtor

Peningkatan Jumlah Debitur

Increased Number of Debtors

5,0% 75,19% 3,76%

Efektivitas Produk & Proses

Product & Process Effectiveness

P1. Implementasi inisiatif strategis BRI Agro

Implementation of BRI Agro’s strategic initiatives

11 Pencapaian target implementasi inisiatif strategis

Achievement of targets for implementing strategic initiatives

Implementasi atas SI dan sinergi strategis

Implementation of SI and strategic synergy

10,0% 99,63% 9,96%

Kepemimpinan, Tata Kelola, & Tanggung Jawab Kemasyarakatan

Community Leadership, Governance & Responsibility

K1. Penguatan Good Corporate Governance

Strengthening Good Corporate Governance

12 Skor GCG dan Profil Risiko

GCG Score and Risk Profile

Skor GCG dan Profil Risiko

GCG Score and Risk Profile

5,0% 83% 4,17%

100% 92,75%

Penilaian Kinerja Berdasarkan Assessment GCG Aspek Dewan Komisaris dan Direksi

Penilaian kinerja Direksi juga dilakukan dengan menggunakan metode penilaian sendiri (self assessment) sesuai SE OJK Nomor 13/SEOJK.03/2017 Tahun 2017 perihal Penerapan Tata Kelola Bagi Bank Umum.

Performance Assessment Based on GCG Assessment Aspects of the Board of Commissioners and Directors

The performance evaluation of the Board of Directors is also carried out using the self-assessment method according to SE OJK Number 13/SEOJK.03/2017 of 2017 concerning Application of Governance for Commercial Banks.






Prosedur Pelaksanaan Self Assessment GCG terkait Kinerja Direksi

Direksi melakukan self assessment atas kinerjanya selama satu tahun atas pengelolaan Perseroan, pencapaian target, upaya penanggulangan kendala dan manjemen risiko serta penerapan tata kelola perusahaan yang dilakukan. Dewan komisaris akan mengevaluasi melalui rapat dengan Komite Nominasi dan Remunerasi kemudian hasilnya akan dilaporkan kepada pemegang saham dalam RUPS Tahunan.

Hasil Penilaian Kinerja Direksi Tahun 2019Hasil Self Asessment GCG BRI Agro terhadap Penilaian Kinerja Direksi adalah sebagai berikut :

1. Direksi memiliki komitmen yang tinggi terhadap implementasi prinsip-prinsip Tata Kelola yang Baik dalam setiap kegiatan usaha Bank pada seluruh tingkatan atau jenjang organisasi

2. Direksi telah memiliki pedoman dan tata tertib kerja yang mencantumkan pengaturan etika kerja, waktu kerja dan rapat sesuai dengan ketentuan

3. Direksi memiliki kompetensi yang memadai dan relevan dengan jabatannya untuk menjalankan tugas dan tanggungjawabnya dengan baik.

4. Direksi mengelola Bank sesuai dengan kewenangan dan tanggungjawabnya yang tertuang dalam Anggaran Dasar dan peraturan perundang-undangan yang berlaku.

Procedure for Implementing GCG Self Assessment related to Directors’ Performance

The Board of Directors conducts a self-assessment of its performance for one year on the management of the Company, achievement of targets, efforts to overcome obstacles and risk management as well as the implementation of corporate governance. The board of commissioners will evaluate through a meeting with the Nomination and Remuneration Committee and then the results will be reported to shareholders in the Annual GMS.

Results of Directors’ Performance Assessment in 2019BRI Agro GCG Self-Assessment Results for Performance AppraisalThe Directors are as follows:

1. The Board of Directors has a high commitment to the implementation of Good Governance principles in each of the Bank's business activities at all levels of the organization

2. The Board of Directors already has guidelines and work rules that set out work ethics, work hours and meetings in accordance with the provisions

3. Directors have adequate competence and are relevant to their positions to carry out their duties and responsibilities, properly.

4. The Board of Directors manages the Bank in accordance with its authority and responsibilities set forth in the Articles of Association and applicable laws and regulations.






Penilaian Perusahaan akan perlunya keberagaman komposisi agar dapat memberikan alternatif pemecahan masalah dan mendorong pengambilan keputusan yang lebih objektif dan komprehensif, dengan mempertimbangkan unsur keberagaman dari bidang keilmuan, kompetensi, usia, keahlian, pengalaman kerja, dan gender agar paradigma dalam pengambilan keputusan menjadi lebih luas.

Keberagaman komposisi Dewan Komisaris dan Direksi BRI Agro Tahun 2019 dijelaskan pada tabel sebagai berikut:

NamaName

JabatanPosition

Jenis KelaminGender

Usia(tahun)

Age (year)

PendidikanEducation

Pengalaman KerjaWork Experiences

KeahlianExpertise




WanitaFemale

58 · Sarjana jurusan Hukum Perdata dari Universitas Indonesia (1984)

· Magister dari School Of Management, Shopia, Perancis (2000)

· Magister dalam bidang International Finance dari Universitas Gajah Mada, Yogyakarta (2001).

· Bachelor degree in Civil Law from the University of Indonesia (1984)

· Masters in School of Management, Shopia, France (2000)

· Masters in International Finance from Gajah Mada University, Yogyakarta (2001).

· Kepala Bagian Manajemen Likuiditas Bidang Treasury PT Bank BRI (2001),

· Wakil Kepala Divisi Treasury Bidang Keuangan (2008),

· Kepala Desk Bidang Invesment Banking (2009),

· Kepala Desk Bidang Investasi Jasa Penunjang Pasar Modal (2010),

· Pejabat Level VP ditugaskan di Yayasan Kesejahteraan Pegawai (YKP) BRI (2011),

· Kepala Divisi Investment Services (2014-2017).

· Head of the Liquidity Management Division of PT Bank BRI's Treasury Division (2001),

· Deputy Head of Treasury Division in Finance (2008),

· Head of Investment Banking Desk (2009),

· Head of the Investment Market Support Services Capital Market Desk (2010),

· Level VP officials are assigned to the BRI Employees Welfare Foundation (YKP) (2011),

· Head of Investment Services Division (2014-2017).

Perbankan/Keuangan dan Treasury

Banking/Finance and Treasury

The company assessment will need diversity in composition in order to provide alternative solutions to problems and encourage more objective and comprehensive decision making, taking into account elements of diversity in the fields of science, competence, age, expertise, work experience, and gender so that the paradigm in decision making becomes broader.

The diversity of the composition of the BRI Agro Board of Commissioners and Directors in 2019 is explained in the following table:

KEBIJAKAN KEBERAGAMAN DEWAN KOMISARIS DAN DIREKSIDIVERSITY OF BOARD OF COMMISSIONERS AND DIRECTORS






NamaName

JabatanPosition

Jenis KelaminGender

Usia(tahun)

Age (year)

PendidikanEducation


KeahlianExpertise

A.Y. Soepadmo

Komisaris Independen

Independent Commssioner

PriaMale

56 · Sarjana Ekonomi, Manajemen Universitas Diponegoro tahun 1986

· Magister Management, Manajemen Strategi Universitas Gadjah Mada tahun 2004

· Bachelor of Economics, Management at Diponegoro University in 1986

· Masters in Management, Strategic Management, Gadjah Mada University in 2004

· Pimpinan Kantor Cabang BRI Semarang (2009-2012)

· Wakil Inspektur Bank BRI di Medan (2009-2012)

· Wakil Instruktur Bank BRI di Bandung (2012-2015)

· Wakil Inspektur Bank BRI Jakarta 3 (2015)

· Inspektur Bank BRI Manado (2015-2016)

· Inspektur Bank BRI Banjarmasin (2016-2017)

· Inspektur Bank BRI Malag (2017-2018)

· Inspektur Bank BRI Jakarta 2 (2018-2019)

· Head of BRI Semarang Branch Office (2009-2012)

· Deputy Inspector of Bank BRI in Medan (2009-2012)

· Deputy Instructor of BRI Bank in Bandung (2012-2015)

· Deputy Inspector of Bank BRI Jakarta 3 (2015)

· BRI Bank Manado Inspector (2015-2016)

· BRI Bank Banjarmasin Inspector (2016-2017)

· BRI Malang Inspector (2017-2018)

· Bank BRI Jakarta Inspector 2 (2018-2019)

Perbankan/Keuangan dan Audit

Banking/Finance and Audit


Komisaris Commissioner

PriaMale

57 Sarjana Hukum Universitas Muria Kudus tahun 1986

Bachelor of Law in Muria Kudus University in 1986

· Pimpinan Kantor Cabang Bank BRI Semarapura Bali (2008-2011)

· Pimpinan Kantor Cabang Bank BRI Bontang (2011-2012)

· Pimpinan Kantor Cabang Bank BRI Balikpapan (2015-2016)

· Wakil Pimpinan Bank BRI Wilayah Denpasar (2014-2016)

· Wakil Pimpinan Bank BRI Wilayah Malang (2016-2017)

· Kepala Divisi Hukum Bank BRI (2017-sekarang)

· Bank BRI Branch Office Semarapura Bali (2008-2011)

· Head of Bank BRI Bontang Branch Office (2011-2012)

· Head of Bank BRI Balikpapan Branch Office (2015-2016)

· Deputy Chairman of BRI Bank Denpasar Region (2014-2016)

· Deputy Chairman of BRI Bank Malang Region (2016-2017)

· Head of BRI Bank Legal Division (2017-present)

Perbankan/Keuangan dan Hukum

Banking/Finance and Law

*) Efektif setelah mendapat persetujuan penilaian kemampuan dan kepatutan OJK *) Effective after having obtained the fit and proper test from FSA.






NamaName

JabatanPosition

Jenis KelaminGender

Usia(tahun)

Age (year)

PendidikanEducation


KeahlianExpertise

Ebeneser Girsang

Plt Direktur Utama/ Direktur Pengendalian Risiko Kredit dan Pendanaan


PriaMale

54 · Sarjana jurusan Sosial Ekonomi Pertanian dari Institut Pertanian Bogor (1989)

· Magister, bidang Bisnis International Universitas Gajah Mada Yogyakarta (1999)

· Bachelor's degree in Agricultural Socio-Economics from Bogor Agricultural University (1989)

· Masters in International Business, Gajah Mada University Yogyakarta (1999)

· Group Head, Grup Analis Kredit Umum 1 & Ritel Divisi Analisa Risiko Kredit (2001-2006),

· Group Head, Grup Analisis Risiko Agribisnis Bank BRI (2007-2008),

· Wakil Kepala Divisi, Divisi Analisis Risiko Kredit Bank BRI (2008-2011),

· Wakil Pemimpin Wilayah Kantor Wilayah Surabaya (2011-2012),

· Wakil Pemimpin Wilayah Kantor Wilayah Malang (2012-2014).

· Pemimpin Wilayah Kantor Wilayah Medan (2014-2-15),

· Pemimpin Wilayah Kantor Wilayah Surabaya (2015-2017).

· Group Head, General Credit Analyst Group 1 & Retail Credit Risk Analysis Division (2001-2006),

· Group Head, Bank BRI Agribusiness Risk Analysis Group (2007-2008),

· Deputy Head of Division, BRI Credit Risk Analysis Division (2008-2011),

· Deputy Chief of Surabaya Regional Office (2011-2012),

· Deputy Chief of Malang Regional Office (2012-2014).

· Regional Leader Medan Regional Office (2014-2-15),

· Regional Leader of the Surabaya Regional Office (2015-2017).

Perbankan/Keuangan dan Analisis Kredit

Banking/Finance and Credit Analysis

Sigit Murtiyoso

Direktur Bisnis dan Perseroan


PriaMale

54 Sarjana Hukum Perdata Universitas Sebelas Maret tahun 1988

Bachelor of Civil Law Sebelas Maret University in 1988

· Pemimpin Cabang Bank BRI Lubuk Palian (1999-2002)

· Pemimpin Cabang Bank BRI Pematang Siantar (2002-2006)

· Pemimpin Cabang Bank BRI Palembang Sriwijaya (2006-2007)

· Pemimpin Cabang Bank BRI Iskandar Muda (2007-2009)

· Pemimpin Cabang Bank BRI Gatot Subroto (2009-2012)

· Wakil Kepala Divisi Bank BRI (2012-2015)

· Kepala Divisi Institutions Kantor Pusat Bank BRI (2015-2018)

· Pimpinan Cabang Khusus Bank BRI (2018-2019)

Perbankan/Keuangan

Banking/Finance






NamaName

JabatanPosition

Jenis KelaminGender

Usia(tahun)

Age (year)

PendidikanEducation


KeahlianExpertise

· BRI Bank Branch Manager Lubuk Palian (1999-1002)

· Branch Manager of BRI Bank Pematang Siantar (2002-2006)

· Bank BRI Palembang Sriwijaya Branch Manager (2006-2007)

· • Bank BRI Branch Manager Iskandar Muda (2007-2009)

· Bank BRI Branch Manager Gatot Subroto (2009-2012)

· Deputy Head of BRI Bank Division (2012-2015)

· Head of Institutions Division at Bank BRI Head Office (2015-2018)

· Head of Special Branch of Bank BRI (2018-2019)

Herry Prayudi

Direktur Kepatuhan

Drector of Compliance

PriaMale

57 · Sarjana Jurusan Ekonomi Perusahaan dari Universitas Merdeka, Malang (1986)

· Magister bidang Manajemen Keuangan Universitas Atmajaya, Jakarta (1997)

· Bachelor of Business Economics Department from Merdeka University, Malang (1986)

· Masters in Financial Management at Atmajaya University, Jakarta (1997)

· Group Head, Grup Analisis Risiko BUMN - Divisi Analisis Risiko Kredit (2007-2011),

· Wakil Kepala Divisi, Divisi Analisis Risiko Kredit (2011-2016),

· Inspektur Kantor Inspeksi Palembang (2016 - 2017).

· Group Head, BUMN Risk Analysis Group - Credit Risk Analysis Division (2007-2011),

· Deputy Head of Division, Credit Risk Analysis Division (2011-2016),

· Palembang Inspector's Office Inspector (2016 - 2017).

Perbankan/Keuangan Audit dan Kepatuhan

Banking/Financial Audit and Compliance



PriaMale

56 · Sarjana Ekonomi Akuntansi Universitas Pakuan Bogor tahun 1990

· Pasca Sarjana Agribisnis Institut Pertanian Bogor tahun 2001

· Bachelor of Economics in Accounting, Pakuan University, Bogor in 1990

· Postgraduate Agribusiness Institute of Bogor Agriculture in 2001

· Kepala Bagian Perencanaan Anggaran dan SIM Kantor Pusat BRI (2009)

· Kepala Bagian Laporan Keuangan Bank BRI (2009-2012)

· Wakil Kepala Divisi Akuntansi Manajemen dan Keuangan Bank BRI (2012-2016)

· Kepala Divisi Akuntansi Manajemen dan Keuangan Bank BRI (2016-2018)

· Kepala Divisi Assets dan Liabilities Management Bank BRI (2018-2019)

· Head of Budget Planning and SIM Division of BRI Head Office (2009)

· Head of Bank BRI Financial Report Section (2009-2012)

· Deputy Head of BRI's Management and Financial Accounting Division (2012-2016)

· Head of BRI's Management and Financial Accounting Division (2016-2018)

· Head of BRI Assets and Liabilities Management Division (2018-2019)

Perbankan/Keuangan dan Akuntansi

Banking /Finance and Accounting






Kebijakan Remunerasi Dewan Komisaris dan Direksi

Remunerasi Dewan Komisaris dan Direksi Perseroan ditetapkan berdasar Keputusan RUPS setiap tahunnya. Pengkajian sistem remunerasi dan kesejahteraan pekerja dilakukan secara berkala dan berkesinambungan, dengan memperhatikan hal-hal antara lain sebagai berikut:1. Kinerja Keuangan Bank2. Kompetensi dan kinerja pekerja3. Praktik remunerasi yang berlaku di pasar.

BRI Agro berkomitmen untuk menerapkan sistem remunerasi yang kompetitif, adil dan seimbang, dan selalu memastikan bahwa tidak ada pekerja yang menerima imbalan di bawah ketentuan yang telah ditetapkan Pemerintah.

BRI Agro juga melakukan kaji ulang dan pengkinian atas kebijakan remunerasi agar relevan dengan perkembangan industri dan strategi bisnis, serta secara bertahap mengadopsi aspek-aspek kepatuhan pada ketentuan perbankan yang berlaku terkait remunerasi.

Remunerasi Dewan Komisaris

Besaran remunerasi serta fasilitas lain yang diberikan bagi Dewan Komisaris akan ditetapkan didalam RUPS Tahunan oleh Pemegang Saham dengan memperhatikan rekomendasi dari Komite Nominasi dan Remunerasi.

Prosedur Penetapan Remunerasi Dewan Komisaris

Prosedur penetapan remunerasi Dewan Komisaris Perseroan adalah sebagai berikut: a. Pemegang Saham melakukan pembahasan pada RUPS b. RUPS memberikan wewenang dan kuasa kepada Dewan

Komisaris untuk menetapkan besaran remunerasi.c. Komite Remunerasi dan Nominasi melakukan kajian dan

evaluasi untuk menentukan remunerasi bagi Dewan Komisaris.

d. Komite Remunerasi dan Nominasi memberikan rekomendasi kepada Dewan Komisaris

e. Dewan Komisaris melakukan pembahasan atas usulan Komite Remunerasi dan Nominasi untuk kemudian diusulkan melalui surat kepada Pemegang Saham Pengendali (Bank BRI).

f. Surat Penetapan oleh Pemegang Saham Pengendali (Bank BRI) kepada Dewan Komisaris.

g. Surat Dewan Komisaris kepada Direksi tentang Penetapan Remunerasi Dewan Komisaris dan Direksi.

Remuneration Policy of The Board of Commissioners and Directors

The remuneration of the Company’s Board of Commissioners and Directors is determined based on the AGM Decree annually. The assessment of the remuneration system and workers’ welfare is carried out regularly and continuously, taking into account the following matters:1. Bank Financial Performance2. Workers competence and performance3. Remuneration practices that apply in the market.

BRI Agro is committed to implementing a competitive, fair and balanced remuneration system, and always ensures that no employee receives compensation under the conditions set by the Government.

BRI Agro also conducts reviews and updates on remuneration policies to be relevant to industry developments and business strategies, and gradually adopts compliance aspects with applicable banking regulations related to remuneration.

Board of Commissioners’ Remuneration

The amount of remuneration and other facilities provided to the Board of Commissioners will be determined in the Annual GMS by the Shareholders by taking into account the recommendations of the Nomination and Remuneration Committee.

Procedure for Determining the Remuneration of the Board of CommissionersThe procedure for determining the remuneration of the Company’s Board of Commissioners is as follows:a. Shareholders conduct discussions at the GMSb. The GMS gives the authority and power to the Board of

Commissioners to determine the amount of remuneration.c. The Remuneration and Nomination Committee conducts

studies and evaluations to determine remuneration for the Board of Commissioners.

d. The Remuneration and Nomination Committee provides recommendations to the Board of Commissioners

e. The Board of Commissioners discussed the proposal of the Remuneration and Nomination Committee and then proposed it in a letter to the Controlling Shareholders (Bank BRI).

f. Letter of Appointment by the Controlling Shareholder (Bank BRI) to the Board of Commissioners.

g. Letter from the Board of Commissioners to the Board of Directors regarding the Determination of the Remuneration of the Board of Commissioners and Directors.






Struktur Remunerasi Anggota Dewan Komisaris

Dewan Komisaris menerima remunerasi tetap dan tidak tetap. Sebagai Perusahaan Anak BUMN, Perseroan menginduk kepada BRI yang memberlakukan Peraturan Menteri BUMN Nomor: PER-04/MBU/2014 sebagaimana telah diubah dengan Peraturan Menteri BUMN No.PER-06/MBU/06/2018, struktur remunerasi Dewan Komisaris Perseroan terdiri dari:1. Gaji/Honorarium2. Tunjangan 3. Fasilitas kesehatan dan lainnya4. Tantiem/Insentif Kinerja

No Jenis Penghasilan/FasilitasType of Income/Facilities


1 Honorarium Komisaris Utama 45% dari gaji Direktur Utama.Komisaris lainnya sebesar 90% dari honorarium Komisaris Utama

President Commissioner 45% of the salary of the President Director.Other Commissioners are 90% of the honorarium of the President Commissioner

2 Tunjangan· Tunjangan Hari Raya · Tunjangan Transportasi · Tunjangan cuti tahunan· Tunjangan Purna Jabatan

Allowance· Holiday allowance· Transportation Benefits· Annual leave allowance· Retirement Benefits

Diberikan sebesar 1 (satu) kali honorarium Diberikan sebesar 20% dari honorarium Tidak diberikanDiberikan selama menjabat Premi asuransi 25% dari honorarium dalam satu tahun

Given 1 (one) time honorariumGiven 20% of the honorariumNot givenGiven during the insurance premium 25% of the honorarium in one year

3 Fasilitas/Facilities· Kesehatan Health

· Bantuan Hukum Legal Aid

a. Fasilitas kesehatan Rawat Inap dan Rawat Jalan diberikan dalam bentuk penggantian biaya kesehatan.

b. Diberikan kepada Dewan Komisaris beserta keluarganya (pasangan dan maksimum 3 orang anak dibawah 25 tahun atau belum bekerja dan belum menikah)

c. Perawatan/Kesehatan Gigid. Penggantian Lensa dan bingkai kacamata

a. Inpatient and Outpatient health facilities are provided in the form of reimbursement of health costs.

b. Given to the Board of Commissioners and their families (spouse and maximum 3 children under 25 years old or not working and not married)

c. Dental Care/Healthd. Lens replacement and eyeglass frame

Fasilitas bantuan hukum kepada anggota Dewan Komisaris diberikan sesuai kebutuhanLegal assistance to members of the Board of Commissioners is provided as needed

4 Tantiem Penetapan tantiem mempertimbangkan peningkatan kinerja dan kemampuan perusahaan dan diberikan dalam bentuk tunai

The determination of tantiem considers the improvement of the company’s performance and capability and is given in cash

Remuneration Structure for Members of the Board of Commissioners

The Board of Commissioners receives fixed and non-permanent remuneration. As a subsidiary of SOE, Company refers to BRI whom enacts SOE Ministerial Regulation No. PER-04/MBU/2014 as amended by SOE Ministerial Regulation No. PER-06/MBU/06/2018, the remuneration structure of the Company’s Board of Commissioners consists of:1. Salary/Honorarium2. Allowances3. Health facilities and others4. Performance bonus/incentives






Indikator Penetapan Remunerasi Dewan Komisaris

Indikator yang digunakan dalam menentukan Remunerasi anggota Dewan Komisaris adalah sebagai berikut: 1. Key Performance Indicator (KPI) atau hasil penilaian kinerja dan

prestasi Dewan Komisaris2. Kinerja Perseroan 3. Perkembangan bisnis bank4. Hasil perbandingan remunerasi industri Perbankan. 5. Pertimbangan sasaran dan strategi jangka panjang Perseroan

Jumlah Nominal/Komponen Remunerasi Dewan Komisaris

Pada tahun 2019, secara lebih rinci remunerasi masing-masing Dewan Komisaris yang telah terealisasi dapat disampaikan, sebagai berikut:

No NamaName

Gaji (Rp)Salary (Rp)

THRK (Rp)Holiday

Allowance (Rp)

Tantiem Tahun Buku 2019 (Rp)

Tantiem for Fiscal Year 2019

Tunjangan Perumahan

(Rp)Housing

Allowance (Rp)

Tunjangan Transportasi

(Rp)Transportation Allowance (Rp)

Premi Ass Purjab (Rp)Purjab Ass Premium

(Rp)

Tunjangan Komunikasi

(Rp)Communication Allowance (Rp)

1 Ahdi Jumhari Luddin*)

√ √ − − √ √ −

2 Heru Sukanto**) √ √ √ − √ √ −

3 Anna Maria Tjiadarma

√ √ √ − √ √ −

4 Edwind Sinaga**) √ − √ − √ − −

5 A.Y. Soepadmo √ √ − − √ − −

6 I.B.K Suamba Manuaba

√ − − − √ − −

7 Bambang Soepeno***)

− − √ − − − −

8 Heksana Tri Sasongko****)

− − √ − − − −

Total 2.786.103.871 31.840.000 1.123.200.000 - 543.249.000 585.128.572 -

*) Mengundurkan diri pada 28 November 2019

**) Diberhentikan pada RUPSLB 26 Juni 2019

***) Diberhentikan pada RUPSLB 5 April 2018

****) Diberhentikan pada RUPLSB 28 Juni 2018

Jumlah RemunerasiTotal Remuneration

Jumlah KomisarisTotal Commissioners

Di atas Rp2 miliarAbove Rp2 billion

-

Di atas Rp1 miliar - Rp2 miliarAbove Rp1 billion - Rp2 billion

-

Di atas Rp500 juta - Rp1 miliarAbove Rp500 million - Rp1 billion

2

Rp500 juta ke bawahBelow Rp500 million

4

Indicators for Determining the Remuneration of the Board of CommissionersThe indicators used in determining the remuneration of members of the Board of Commissioners are as follows:1. Key Performance Indicator (KPI) or the results of performance

evaluation and achievements of the Board of Commissioners2. Company Performance3. Development of bank business4. Comparison results of the banking industry remuneration.5. Consideration of the Company’s long-term goals and strategies

Nominal Amount/Component of Board of Commissioners’ Remuneration

In 2019, the remuneration of each Board of Commissioners that has been realized in more detail can be submitted, as follows:

*) Resigned on November 28, 2019

**) Dismissed at the EGMS on June, 26, 2019

***) Dismissed at the EGMS on April 5, 2018

****) Dismissed at the EGMS on June 28, 2018






Opsi Saham Bagi Dewan Komisaris

Sepanjang tahun 2019, BRI Agro memiliki program kepemilikan saham yang diterbitkan oleh Bank bagi pekerja dan/atau manajemen.

Sesuai dengan Surat Edaran No.SE.B.25A/Dir.01.02/SKP/12/2018 tanggal 21 Desember 2018 tentang Ketentuan MESOP Untuk Direksi dan Komisaris PT Bank Rakyat Indonesia Agroniaga Tbk, maka yang berhak atas MESOP adalah:1. Pengurus Bank (Manajemen) yang terdiri dari anggota Dewan

Komisaris kecuali Komisaris Independen dan Direksi.

2. Pekerja Tetap sesuai dengan ketentuan yang dikeluarkan oleh Divisi MSDM

3. Pengurus Bank yang berhak menjadi peserta program MESOP:a) Pengurus Bank yang lulus fit and proper testb) Seluruh pengurus bank yang telah ditetapkan dalam jangka

waktu tertentu4. Pengurus dalam indikasi kasusu alokasi saham ditunda sampai

dengan adanya keputusan kasus yang bersangkutan5. Hak Pengurus atas saham yang telah dialokasikan dapat

dibatalkan apabila dalam periode tersebut:a) Mengundurkan diri atas permintaan sendirib) Menjalani PHK dengan alasan Pengurus ditahan Pihak

yang Berwajib dan Pengurus Dinyatakan bersalah berdasarkan Putusan Pengadilan

6. Hak Opsi dari Peserta MESOP akan dibatalkan apabila:a) Peserta mengundurkan diri atas keinginannya sendiri pada

masa vesting periodb) Peserta diberhentikan karena adanya sanksi

Alokasi Jumlah Saham kepada Peserta MESOP1. Pembagian saham MESOP untuk Pengurus Bank akan dilakukan

dalam tiga tahap alokasi yaitu:PeriodePeriod

Tanggal PeriodeDate of Period

% dari jumlah total saham yang dibagi% of total shares divided

Jumlah saham (lembar)Number of shares (sheets)

Tahap IPhase I


50% 52.500.000

Tahap IIPhase II


30% 31.500.000

Tahap IIIPhase III


20% 21.000.000

Total 100% 105.000.000

2. Alokasi jumlah saham yang diterima dikomposisikan berdasarkan gaji yang diterima

3. Setiap Pengurus Bank yang akan melaksanakan Hak Opsi yang dimilikinya untuk membeli saham Perusahaan agar mengacu pada SK Direksi No.B.16/Dir.01.02/SKP/12/2018 tanggal 21 Desember 2018 perihal Pedoman Pelaksanaan Management & Employee Stock Option Plan.

Stock Options for the Board of Commissioners

Throughout 2019, BRI Agro has a share ownership program issued by the Bank for workers and/or management.

Under theCircular Letter No.SE.B.25A/Dir.01.02/SKP/12/2018 dated on December 21, 2018 concerning MESOP Provisions for Directors and Commissioners of PT Bank Rakyat Indonesia Agroniaga Tbk, those entitled to MESOP are:1. Bank Management (Management) consisting of members of

the Board of Commissioners except Independent Commissioners and Directors.

2. Permanent Workers in accordance with the provisions issued by the HRM Division

3. Bank Managers who are entitled to become MESOP program participants:a) Bank Managers who pass the fit and proper testb) All bank management that have been determined within

a certain period4. The management in the case indication of allocation of shares

is postponed until the decision of the case is concerned5. Management’s right to allocated shares may be canceled if

during the period:a) Resigning at his own requestb) Undergoing layoffs on the grounds that the Management

is detained by the Obligatory Party and the Management is declared guilty based on a Court Decision

6. Option Rights of MESOP Participants will be canceled if:a) Participants resign at their own will during the vesting

periodb) Participants are dismissed because of sanctions

Allocation of Number of Shares to MESOP ParticipantsDistribution of MESOP shares for Bank Management will be carried out in three stages of allocation, namely:

2. Allocation of the number of shares received is composed based on the salary received

3. Each Bank Management that will exercise its Option Rights to purchase the Company’s shares must refer to the Decree of the Board of Directors No.B.16/Dir.01.02/SKP/12/2018 dated on December 21, 2018 concerning Guidelines for the Implementation of Management & Employee Stock Option Plan.






Remunerasi Direksi

Prosedur Penetapan Remunerasi Direksi

Besaran remunerasi Direksi ditetapkan dengan memperhatikan ketentuan yang berlaku, Perseroan akan memperhatikan target pencapaian profit, kemampuan menjaga keberlangsungan dan pengembangkan usaha BRI Agro. Prosedur penetapan remunerasi Dewan Komisaris Perseroan adalah sebagai berikut: a. Pemegang Saham melakukan pembahasan pada RUPS b. RUPS memberikan wewenang dan kuasa kepada Dewan

Komisaris untuk menetapkan besaran remunerasi.c. Komite Remunerasi dan Nominasi melakukan kajian dan

evaluasi untuk menentukan remunerasi bagi Direksi. d. Komite Remunerasi dan Nominasi memberikan rekomendasi

kepada Dewan Komisarise. Dewan Komisaris melakukan pembahasan atas usulan Komite

Remunerasi dan Nominasi untuk kemudian diusulkan melalui surat kepada Pemegang Saham Pengendali (Bank BRI).

f. Surat Penetapan oleh Pemegang Saham Pengendali (Bank BRI) kepada Dewan Komisaris.

g. Surat Dewan Komisaris kepada Direksi tentang Penetapan Remunerasi Dewan Komisaris dan Direksi.

Struktur Remunerasi Anggota Direksi

Direksi menerima remunerasi tetap yang terkait dengan kinerja dan risiko berupa: 1. Gaji/Honorarium2. Tunjangan 3. Fasilitas kesehatan dan lainnya4. Tantiem/Insentif Kinerja.



1 Honorarium Direktur Utama 100%Direktur lainnya 85% dari honorarium Direktur Utama

President Director 100%The other Directors are 85% of the honorarium of the President Director

2 Tunjangan· Tunjangan Hari Raya · Tunjangan Transportasi · Tunjangan cuti tahunan· Tunjangan Purna Jabatan· Tunjangan Perumahan· Tunjangan Komunikasi

Allowance· Holiday allowance· Transportation Benefits· Annual leave allowance· Retirement Benefits· Housing Allowances· Communication Benefits

Diberikan sebesar 1 (satu) kali honorarium Tidak diberikan karena sudah diberikan fasilitas COP Tidak diberikanDiberikan selama menjabat Premi asuransi 25% dari honorarium dalam satu tahunSesuai ketentuan yang berlakuSesuai ketentuan yang berlaku

Given 1 (one) time honorariumNot given because it has been given COP facilitiesNot givenGiven during the insurance premium 25% of the honorarium in one yearIn accordance with applicable regulationsIn accordance with applicable regulations

Directors’ Remuneration

Procedure for Determining Directors’ Remuneration

The remuneration amount of the Directors is determined by taking into account applicable regulations, the Company will pay attention to targets for achieving profit, ability to maintain sustainability and develop BRI Agro businesses. The procedure for determining the remuneration of the Company’s Board of Commissioners is as follows:a. Shareholders conduct discussions at the GMSb. The GMS gives the authority and power to the Board of

Commissioners to determine the amount of remuneration.c. The Remuneration and Nomination Committee conducts studies

and evaluations to determine remuneration for the Directors.d. The Remuneration and Nomination Committee provides

recommendations to the Board of Commissionerse. The Board of Commissioners discussed the proposal of the

Remuneration and Nomination Committee and then proposed it in a letter to the Controlling Shareholders (Bank BRI).

f. Letter of Appointment by the Controlling Shareholder (Bank BRI) to the Board of Commissioners.

g. Letter from the Board of Commissioners to the Board of Directors regarding the Determination of the Remuneration of the Board of Commissioners and Directors.

Directors’ Remuneration Structure

The Board of Directors receives fixed remuneration related to performance and risks in the form of:1. Salary/Honorarium2. Allowances3. Health and other facilities4. Performance bonus/incentives.








3 Fasilitas/Facilities· Kesehatan Health

· Bantuan Hukum Legal Aid

· Kendaraan Dinas Official Vehicle

a. Fasilitas kesehatan Rawat Inap dan Rawat Jalan diberikan dalam bentuk penggantian biaya kesehatan.

b. Diberikan kepada Direksi beserta keluarganya (pasangan dan maksimum 3 orang anak dibawah 25 tahun atau belum bekerja dan belum menikah).

c. Perawatan/Kesehatan Gigid. Penggantian Lensa dan bingkai kacamata

a. Inpatient and Outpatient health facilities are provided in the form of reimbursement of health costs.

b. Given to the Directors and their families (spouse and a maximum of 3 children under 25 years old or not working and not married).

c. Dental Care/Healthd. Lens replacement and eyeglass frame

Fasilitas bantuan hukum kepada anggota Direksi diberikan sesuai kebutuhan

Legal assistance facilities for members of the Board of Directors are provided as needed

Program Pemilikan Mobil (Car Ownership Program) yang berlaku dengan ketentuan sebagai berikut:a. Peserta program berhak atas kepemilikan mobil dinas jabatan apabila telah

menyelesaikan masa jabatannya selama 3 (tiga) tahunb. BBM, Pengemudi, Biaya Pemeliharaan, Biaya Pajak/STNK, biaya asuransi selama

menjalankan tugas ditanggung Perusahaan.

Car Ownership Program (Car Ownership Program) that applies with the following conditions:a. Program participants are entitled to the ownership of official office cars if they

have completed their tenure for 3 (three) yearsb. Fuel, Drivers, Maintenance Costs, Tax/Vehicle Registration Costs, insurance costs

while carrying out duties are borne by the Company.

4 Tantiem Penetapan tantiem mempertimbangkan peningkatan kinerja dan kemampuan perusahaan dan diberikan dalam bentuk tunai

The determination of tantiem considers the improvement of the company’s performance and capability and is given in cash

Indikator Penetapan Remunerasi Direksi

Indikator yang digunakan dalam menentukan Remunerasi anggota Dewan Komisaris adalah sebagai berikut: 1. Key Performance Indicator (KPI) atau hasil penilaian kinerja dan

prestasi Dewan Komisaris2. Kinerja Perseroan 3. Perkembangan bisnis bank4. Hasil perbandingan remunerasi industri Perbankan. 5. Pertimbangan sasaran dan strategi jangka panjang Perseroan

Indicator Determination of Directors’ Remuneration

The indicators used in determining the remuneration of members of the Board of Commissioners are as follows:1. Key Performance Indicator (KPI) or the results of performance

evaluation and achievements of the Board of Commissioners2. Company Performance3. Development of bank business4. Comparison results of the banking industry remuneration.5. Consideration of the Company’s long-term goals and strategies






Jumlah Nominal/Komponen Remunerasi Direksi

Pada tahun 2019, secara lebih rinci remunerasi masing-masing anggota Direksi yang telah terealisasi dapat disampaikan, sebagai berikut:

No NamaName

Gaji (Rp)Salary (Rp)

THRK (Rp)Holiday

Allowance (Rp)

Tantiem Tahun Buku

2019 (Rp)Tantiem for Fiscal Year

2019

Tunjangan Perumahan

(Rp)Housing

Allowance (Rp)

Kendaraan Dinas (Rp)

Transportation Allowance (Rp)

Premi Ass Purjab (Rp)Purjab Ass

Premium (Rp)


(Rp)Communication Allowance (Rp)

1 Agus Noorsanto*) √ √ √ √ √ √ √

2 Herry Prayudi √ √ √ √ √ √ √

3 Ebeneser Girsang √ √ √ √ √ √ √

4 Bambang Krisminarno**) √ √ √ √ √ √ √

5 Ernawan √ √ − √ √ √ √

6 Sigit Murtiyoso √ − − √ √ − √

7 Zainuddin Mappa***) − − √ − − − −

8 Zuhri Anwar****) − − √ − − − −

Total 7.104.767.742 30.000.000 3.468.660.000 1.060.080.647 2.441.554.802 2.187.023.217 192.500.000

*) Mengundurkan diri pada 3 September 2019

**) Diberhentikan oleh RUPSLB 26 Juni 2019

***) Diberhentikan oleh RUPSLB 23 Januari 2019

****) Diberhentikan oleh RUPSLB 5 April 2018

Jumlah RemunerasiTotal Remuneration

Jumlah DireksiTotal Directors

Di atas Rp2 miliarAbove Rp2 billion

-

Di atas Rp1 miliar - Rp2 miliarAbove Rp1 billion - Rp2 billion

4

Di atas Rp500 juta - Rp1 miliarAbove Rp500 million - Rp1 billion

2

Rp500 juta ke bawahBelow Rp500 million

-

Opsi Saham bagi Direksi

Sepanjang tahun 2019, BRI Agro memiliki program kepemilikan saham yang diterbitkan oleh Bank bagi pekerja dan/atau manajemen.

Sesuai dengan Surat Edaran No.SE.B.25A/Dir.01.02/SKP/12/2018 tanggal 21 Desember 2018 tentang Ketentuan MESOP Untuk Direksi dan Komisaris PT Bank Rakyat Indonesia Agroniaga Tbk, maka yang berhak atas MESOP adalah:1. Pengurus Bank (Manajemen) yang terdiri dari anggota Dewan

Komisaris kecuali Komisaris Independen dan Direksi.

Nominal Amount/Component of Directors’ Remuneration

In 2019, the remuneration of each member of the Board of Directors that has been realized can be explained in more detail as follows:

*) Resigned on September 3, 2019

**) Dismissed by EGMS on June 26, 2019

***) Dismissed by the EGM on January 23, 2019

****) Dismissed by the EGMS on April 5, 2018

Stock Options for Directors

Throughout 2019, BRI Agro has a share ownership program issued by the Bank for workers and/or management.

Under the Circular Letter No.SE.B.25A/Dir.01.02/SKP/12/2018 dated on December 21, 2018 concerning MESOP Provisions for Directors and Commissioners of PT Bank Rakyat Indonesia Agroniaga Tbk, those entitled to MESOP are:1. Bank Management (Management) consisting of members of

the Board of Commissioners except Independent Commissioners and Directors.






2. Pekerja Tetap sesuai dengan ketentuan yang dikeluarkan oleh Divisi MSDM

3. Pengurus Bank yang berhak menjadi peserta program MESOP:a) Pengurus Bank yang lulus fit and proper testb) Seluruh pengurus bank yang telah ditetapkan dalam jangka

waktu tertentu4. Pengurus dalam indikasi kasusu alokasi saham ditunda sampai

dengan adanya keputusan kasus yang bersangkutan5. Hak Pengurus atas saham yang telah dialokasikan dapat

dibatalkan apabila dalam periode tersebut:a) Mengundurkan diri atas permintaan sendirib) Menjalani PHK dengan alasan Pengurus ditahan Pihak

Yang Berwajib dan Pengurus Dinyatakan bersalah berdasarkan Putusan Pengadilan

6. Hak Opsi dari Peserta MESOP akan dibatalkan apabila:a) Peserta mengundurkan diri atas keinginannya sendiri pada

masa vesting periodb) Peserta diberhentikan karena adanya sanksi

Alokasi Jumlah Saham kepada Peserta MESOP

1. Pembagian saham MESOP untuk Pengurus Bank akan dilakukan dalam tiga tahap alokasi yaitu:

PeriodePeriod

Tanggal PeriodeDate of Period

% dari jumlah total saham yang dibagi

% of total shares divided

Jumlah saham (lembar)Number of shares (sheets)

Tahap IPhase I


50% 52.500.000

Tahap IIPhase II


30% 31.500.000

Tahap IIIPhase III


20% 21.000.000

Total 100% 105.000.000

2. Alokasi jumlah saham yang diterima dikomposisikan berdasarkan gaji yang diterima

3. Setiap Pengurus Bank yang akan melaksanakan Hak Opsi yang dimilikinya untuk membeli saham Perusahaan agar mengacu pada SK Direksi No.B.16/Dir.01.02/SKP/12/2018 tanggal 21 Desember 2018 perihal Pedoman Pelaksanaan Management & Employee Stock Option Plan.

2. Permanent Workers in accordance with the provisions issued by the HRM Division

3. Bank Managers who are entitled to become MESOP program participants:a) Bank’s managements who pass the fit and proper testb) All bank management that have been determined within

a certain period4. The management in the case indication of allocation of shares

is postponed until the decision of the case is concerned5. Management’s right to allocated shares may be canceled if

during the period:a) Resigning at his own requestb) Undergoing layoffs on the grounds that the Management

is detained by the Obligatory Party and the Management is declared guilty based on a Court Decision

6. Option Rights of MESOP Participants will be canceled if:a) Participants resign at their own will during the vesting

periodb) Participants are dismissed because of sanctions

Allocation of Number of Shares to MESOP Participants

1. Distribution of MESOP shares for Bank Management will be carried out in three stages of allocation, namely:

2. Allocation of the number of shares received is composed based on the salary received

3. Each Bank Management that will exercise its Option Rights to purchase the Company’s shares must refer to the Decree of the Board of Directors No.B.16/Dir.01.02/SKP/12/2018 dated on December 21, 2018 concerning Guidelines for the Implementation of Management & Employee Stock Option Plan.






Ketentuan dan tata pelaksanaan rapat Dewan Komisaris dan Direksi PT BRI Agroniaga Tbk dinyatakan dalam Anggaran Dasar dan telah kembali ditegaskan dalam Pedoman Kerja Dewan Komisaris dan Pedoman Kerja Direksi.

Rapat Dewan Komisaris

Pedoman kerja Dewan Komisaris mengatur rapat bagi paling sedikit setiap bulan sekali, dalam rapat tersebut Dewan Komisaris dapat mengundang Direksi. Segala keputusan Dewan Komisaris diambil dalam rapat Dewan Komisaris. Dewan Komisaris dapat mengadakan rapat sewaktu-waktu atas permintaan 1 (satu) atau beberapa anggota Dewan Komisaris, permintaan Direksi, atau atas permintaan tertulis dari 1 (satu) atau beberapa Pemegang Saham yang mewakili sekurang-kurangnya 1/10 (satu persepuluh) dari jumlah saham dengan hak suara, dengan menyebutkan hal-hal yang akan dibicarakan.

Rapat akan diatur oleh Sekretaris Dewan Komisaris mulai dari menyiapkan agenda dan materi hingga pencatatan risalah rapat sebagai bukti yang sah untuk para anggota Dewan komisaris dalam mengambil keputusan apabila ada dissenting opinions dan untuk pihak ketiga mengenai keputusan yang diambil dalam rapat.

Frekuensi Rapat dan Tingkat Kehadiran Dewan Komisaris dalam Rapat Dewan Komisaris

Sepanjang tahun 2019, Dewan Komisaris BRI Agro melaksanakan rapat internal Dewan Komisaris sebanyak 10 (sepuluh) kali, dengan mengalami beberapa pergantian keanggotaan Dewan Komisaris hingga pada akhir tahun 2019 hanya menjabat 3 (tiga) orang, dimana salah satunya sedang dalam proses fit and proper test OJK. Rata-rata kehadiran anggota Dewan Komisaris dalam rapat Dewan Komisaris sebesar 68%, dengan rincian agenda dan tingkat kehadiran dalam rapat adalah sebagai berikut:

TanggalDate Agenda

KehadiranAttendance

HS**** ES *** AMT AJL* AYS** IBKSM ***

15-Apr-19 Reposisi Anggota KomiteRepositioning of Committee Members

- - 1 1 - -

06-May-19 Honorarium anggota KomiteHonorarium of Committee members

- - 1 1 - -

RAPAT DEWAN KOMISARIS DAN DIREKSIMEETING OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS

The provisions and procedures for conducting the meetings of the Board of Commissioners and Directors of PT BRI Agroniaga Tbk are stated in the Articles of Association and have been reaffirmed in the Board of Commissioners ‘Work Guidelines and Directors’ Work Guidelines.

Meeting of Board of Commissioners

The Board of Commissioners work guidelines regulate meetings for at least once a month, in these meetings the Board of Commissioners may invite the Directors. All decisions of the Board of Commissioners are taken at a meeting of the Board of Commissioners. The Board of Commissioners may convene at any time at the request of 1 (one) or several members of the Board of Commissioners, the request of the Board of Directors, or at the written request of 1 (one) or several Shareholders who represent at least 1/10 (one tenth) of the total shares with voting rights, by mentioning the matters to be discussed.

Meetings will be arranged by the Secretary of the Board of Commissioners starting from preparing the agenda and material to recording minutes of the meeting as valid evidence for members of the Board of Commissioners in making decisions when there are dissenting opinions and for third parties regarding decisions taken at the meeting.

Frequency of Meetings and Attendance of Board of Commissioners in Board of Commissioners Meetings

Throughout 2019, the BRI Agro Board of Commissioners held 10 (ten) internal meetings of the Board of Commissioners, with several changes in the membership of the Board of Commissioners until the end of 2019 serving only 3 (three) members. The average attendance of members of the Board of Commissioners at the Board of Commissioners meeting was 68%, with details of the agenda and attendance at the meeting as follows:






TanggalDate Agenda

KehadiranAttendance

HS**** ES *** AMT AJL* AYS** IBKSM ***

19-Jun-19 Persiapan Rapat Umum Pemegang Saham Luar Biasa tahun 2019Preparation for the Extraordinary General Meeting of Shareholders in 2019

1 - 1 1 - -

29-Jul-19 Penetapan Pejabat Pengganti Sementara Komisaris UtamaDetermination of Acting Substitute Acting President Commissioner

- - 1 1 1 -

12-Aug-19 Reposisi Anggota Komite AuditRepositioning of Audit Committee Members

- - 1 - 1 1

02-Sep-19 Pembahasan Usulan Harga Saham BRI Agro pada pelaksanaan Right Issue ke IX th 2019Discussion on the Proposed BRI Agro Share Price in the implementation of the IX Issue of Right to 2019

- - 1 1 1 1

3 Sept 2019 Penetapan Pelaksana Tugas (PPT) Dirut PT BRI AgroDetermination of the Acting Task (PPT) Managing Director of PT BRI Agro

- - 1 1 1 1

20-Nov-19 Persiapan Rapat Umum Pemegang Saham Luar Biasa tahun 2019Preparation for the Extraordinary General Meeting of Shareholders in 2019

- - 1 1 1 1

27-Nov-19 Penunjukan Pelaksana Tugas (Plt) Komisaris UtamaAppointment of Acting Commissioner (Acting) President Commissioner

- - 1 1 1 1

09-Dec-19 Review Pedoman Kerja Dekom, Komite Dekom dan Sekretaris Dewan KomisarisReview of the BoC’s Work Guidelines, Board of Commissioners and Secretary of the Board of Commissioners

- - 1 - 1 1

Total Jumlah RapatTotal Meetings

3 3 10 9 7 7

Tingkat KehadiranLevel of Attendance

1 0 10 8 7 6

Rata-rata kehadiranMedian of attendance

33% 0% 90% 80% 77% 66%

Keterangan:AJL : Ahdi Jumhari Luddin AMT : Anna Maria T.AYS : A.Y. SoepadmoIBKSM : IBK Suamba MHS : Heru Sukanto ES : Edwind Sinaga

* Efektif per tanggal 24 Mei 2019, Sdr. Ahdi Jumhari Luddin dinyatakan

lulus fit and proper test OJK sebagai Komisaris Utama BRI Agro. Dan

per tanggal 28 November 2019, ybs mengundurkan diri dari jabatannya

** Efektif per tanggal 21 Nov 2019, Sdr. A.Y. Soepadmo dinyatakan

lulus fit and proper test OJK

*** Efektif setelah dinyatakan lulus fit and proper test OJK. Khusus

Sdr. Edwin Sinaga sudah tidak menjabat Komisaris tmt 26 Juni 2019

**** Sdr. Heru Sukanto sudah tidak menjabat sebagai Komisaris Independen

tmt. 26 Juni 2019

Information:

AJL : Ahdi Jumhari Luddin

AMT : Anna Maria T.

AYS : A.Y. Soepadmo

IBKSM : I.B.K. Suamba M

HS : Heru Sukanto

ES : Edwind Sinaga

* Effective on May 24, 2019, Ahdi Jumhari Luddin was declared to have

passed the FSA fit and proper test as BRI Agro’s Chief Commissioner.

And as of November 28, 2019, he resigned from his position

** Effective as of November 21, 2019, A.Y. Soepadmo was declared to

have passed the FSA fit and proper test

*** Effective after passing the FSA fit and proper test. Especially for

Edwin Sinaga is no longer a Commissioner on June 26, 2019

**** Heru Sukanto is no longer an Independent Commissioner June 26,

2019






Rapat Gabungan

Frekwensi Rapat dan Tingkat Kehadiran Dewan Komisaris dalam Rapat Dewan Komisaris dengan Mengundang Direksi

Sepanjang tahun 2019, Dewan Komisaris BRI Agro melaksanakan rapat dengan mengundang Direksi sebanyak 14 (empat belas) kali. Adapun agenda dan tingkat kehadiran Dewan Komisaris dan Direksi dalam rapat adalah sebagai berikut:

TanggalDate Agenda

KehadiranAttendace

AJL***** HS* AMT ES** AYS IBKSM AN*** HP EG BK

**** E SM

20-2-2019 - Kinerja Keuangan Bulan Januari 2019

- Financial Performance for January 2019

1 1 1 1 0 0 0 1 1 1 1 0

25-3-2019 - Kinerja Keuangan Bulan Februari 2019

- Perkembangan Makro Ekonomi

- Lain-lain

- Financial Performance in February 2019

- Macroeconomic developments

- Others

1 1 1 0 0 0 1 1 1 1 0 0

22-4-2019 - Kinerja Keuangan Bulan Maret 2019


- Lain-lain

- Financial Performance in March 2019


- Others

1 0 0 0 0 0 1 1 1 1 1 0

14-5-2019 - Persetujuan Revisi RBB Tahun 2019-2021

- Approval of RBB Revision in 2019-2021

1 0 1 0 0 0 1 1 1 1 1 0

20-5-2019 - Cascading KPI Direktur Utama, Direksi dan Kepala Divisi

- Cascading KPI President Director, Directors, and Division Chief

0 0 1 0 0 0 1 1 1 1 1 0

Joint Meetings

Frequency of Meetings and Attendance of the Board of Commissioners in the Board of Commissioners’ Meeting by Inviting the Directors

Throughout 2019, the BRI Agro Board of Commissioners held meetings by inviting the Directors 14 (fourteen) times. The agenda and level of attendance of the Board of Commissioners and Directors in the meeting are as follows:






TanggalDate Agenda

KehadiranAttendace


**** E SM

24-5-2019 - Kinerja Keuangan Bulan April 2019


- Lain-lain

- Financial Performance in April 2019


- Others

1 0 0 0 0 0 1 1 1 1 1 0

19-6-2019 - Kinerja Keuangan Bulan Mei 2019


- Lain-lain

- Financial Performance in May 2019


- Others

1 1 1 0 0 0 0 0 1 1 1 0

17-7-2019 - Kinerja Keuangan Bulan Juni 2019

- Lain-lain

- Financial Performance in June 2019

- Others

1 0 1 0 1 0 1 1 1 0 1 0

26-8-2019 - Kinerja Keuangan Bulan Juli 2019


- Progress Penawaran Umum Terbatas IX

- Financial Performance in July 2019


- Progress Limited Public Offering IX

1 0 1 0 1 1 0 1 1 0 1 0

18-9-2019 - Kinerja Keuangan Bulan Agustus 2019


- Lain-lain

- Financial Performance in August 2019


- Others

1 0 1 0 1 0 0 1 1 0 1 1






TanggalDate Agenda

KehadiranAttendace


**** E SM

30-9-2019 - Corporate Plan 2020-2022

- Corporate Plan 2020-2022

1 0 1 0 1 0 0 1 1 0 1 0

21-10-2019 - Kinerja Keuangan Bulan September 2019


- Lain-lain

- Financial Performance for September 2019


- Others

1 0 1 0 1 1 0 1 1 0 1 1

20-11-2019 - Kinerja Keuangan Bulan Oktober 2019


- Pembahasan RBB 2020-2022- Lain-Lain

- Financial Performance in October 2019


- Discussion of the 2020-2022 RBB

- Others

1 0 1 0 1 1 0 1 1 0 1 1

17-12-2019 - Kinerja Keuangan Bulan November 2019


- Pembahasan Prognosa Desember 2019

- Pembahasan KPI November 2019

- Financial Performance in November 2019


- Prognosis Discussion December 2019

- Discussion of KPI November 2019

0 0 1 0 1 1 0 1 1 0 1 1

Total

Jumlah RapatTotal Meetings

13 7 14 7 7 7 10 14 14 7 14 7


12 3 12 1 7 4 6 13 14 7 13 4

Rata-rata kehadiranMedian of Attendance

92% 43% 86% 14% 100% 57% 60% 93% 100% 100% 93% 57%

Keterangan/Description:AJL : Ahdi Jumhari LuddinAYS : A.Y. SoepadmoHS : Heru SukantoAN :Agus NoorsantoEG : Ebeneser Girsang SM : Sigit Murtiyoso

AMT : Anna Maria T.IBKSM : I.B.K. Suamba M.ES : Edwind Sinaga BK : Bambang KrisminarnoHP : Herry PrayudiE : Ernawan






Rapat Direksi

Rapat Direksi adalah rapat yang diselenggarakan oleh Direksi untuk membuat berbagai keputusan bisnis, mengevaluasi kinerja Perusahaan dan menetapkan berbagai kebijakan dalam pengurusan Perusahaan. Rapat Direksi dilakukan berdasarkan prinsip-prinsip sebagai berikut: 1. Direksi wajib mangadakan Rapat Direksi secara berkala paling

kurang 1 (satu) kali dalam setiap bulan dan dipimpin oleh Direktur Utama

2. Direksi wajib mengadakan Rapat Direksi bersama Dewan Komisaris secara berkala paling kurang 1 (satu) kali dalam 4 (empat) bulan.

3. Penyelenggaraan Rapat Direksi dapat dilakukan setiap waktu apabila: a. Dipandang perlu oleh seorang atau lebih anggota Direksi. b. Atas permintaan tertulis dari seorang atau lebih anggota

Dewan Komisaris. 4. Pemanggilan Rapat Direksi harus dilakukan oleh anggota

Direksi yang berhak mewakili Direksi menurut ketentuan Anggaran Dasar.

5. Pengambilan keputusan dilakukan secara musyawarah untuk mufakat dan/atau pengambilan suara, akan dianggap sah apabila rapat dihadiri oleh lebih dari setengah jumlah Direksi

6. Risalah rapat dibuat oleh Seretaris Perusahaan dan ditandatangani oleh seluruh anggota Direksi yang hadir untuk disimpan dan tersedia sewaktu-waktu diminta oleh Dewan Komisaris

7. Perbedaan penapat (dissenting opinions) yang terjadi dalam rapat harus dicantumkan di dalam risalah rapat beserta alasannya

Frekuensi Rapat dan Tingkat Kehadiran Direksi dalam Rapat Direksi

Sepanjang tahun 2019, Direksi BRI Agro melaksanakan rapat Direksi sebanyak 27 (dua puluh tujuh) kali. Adapun agenda dan tingkat kehadiran Direksi dalam rapat adalah sebagai berikut:

TanggalDate Agenda

KehadiranAttendace

AN*** HP EG BK

**** E SM

29-1-2019 - Persiapan Presentasi RBB 2019 -2022

- Preparation for Presentation of RBB 2019 -2022

1 1 1 1 0 0

6-2-2019 - Struktur Kepangkatan & Upah Pekerja BRI Agro- Upah Pekerja Penugasan BRI- Upah Pekerja PKWT Khusus- Upah Pekerja Pendukung / Outsourcing

- BRI Agro Workers Departure & Wage Structure- BRI Assignment Worker Wages- Special PKWT Workers’ Wages- Supporting Wages/Outsourcing Wages

1 1 1 0 0 0

Meeting of Directors

Directors’ Meeting is a meeting held by the Directors to make various business decisions, evaluate the performance of the Company and set various policies in the management of the Company. The Board of Directors meeting is based on the following principles:1. The Board of Directors must hold regular Directors’ Meetings

at least 1 (one) time every month and be led by the President Director

2. The Board of Directors must hold a Board of Directors Meeting with the Board of Commissioners periodically at least 1 (one) time in 4 (four) months.

3. The Board of Directors Meeting can be held at any time if:a. Needed by one or more members of the Board of Directors.b. At the written request of one or more members of the

Board of Commissioners.4. Summoning for Directors’ Meetings must be made by members

of the Directors who are entitled to represent the Directors according to the provisions of the Articles of Association.

5. Decision making is carried out by deliberation to reach consensus and/or vote, will be considered valid if the meeting is attended by more than half the number of Directors

6. Minutes of meetings are made by the Company Secretary and signed by all members of the Board of Directors present to be kept and available at any time requested by the Board of Commissioners

7. Dissenting opinions that occur in meetings must be included in the minutes of the meeting along with the reasons

Frequency of Meetings and Attendance at Directors’ Meetings

Throughout 2019, the BRI Agro Board of Directors conducted 27 (twenty seven) Board of Directors meetings. The agenda and level of attendance of the Directors in meetings are as follows:






TanggalDate Agenda

KehadiranAttendace

AN*** HP EG BK

**** E SM

19-12-2019 - Rencana Kerja Direktorat- Lain-Lain

- Directorate Work Plan- Etc

1 1 1 1 1 0

13-3-2019 - Kredit Bermasalah Kantor Cabang- Lain-Lain

- Non-performing Loan Branch Office- Others

1 1 0 1 1 0

121-3-2019 - Pemaparan Proyek IT Steering Committee

- Presentation of the IT Steering Committee Project

1 1 1 1 1 0

28-3-2019 - Pembahasan Performance Appraisal (PA) jabatan- Kepala Divisi, Wakil Kepala Divisi dan Pemimpin Cabang

- Discussion on Performance Appraisal (PA) position- Division Heads, Deputy Division Heads and Branch

Managers

1 1 1 1 1 0

2-4-2019 - Key Performance Indicator (KPI)- Kinerja Keuangan Posisi Maret 2019- Pengadaan Barang IT berupa Computer di Unit Kerja

- Key Performance Indicator (KPI)- Financial Performance as of March 2019- Procurement of IT goods in the form of Computers in Work

Units

1 1 1 1 1 0

23-4-2019 - Kinerja Kredit Kantor Cabang- Jadwal Kunjungan Direksi dan Evaluasi Pemimpin Cabang- Lain-Lain

- Branch Office Credit Performance- Schedule of Directors’ Visits and Branch Leader Evaluations- Otehrs

1 1 1 1 1 0

30-4-2019 - Penunjukkan Underwiter PUT IX- Kinerja Keuangan Posisi April 2019- Monitoring Project TI- Koreksi Laba Rugi untuk Posisi April 2019

- Appointment of PUT Underwiter IX- Financial Performance Position April 2019- IT Project Monitoring- Income correction for April 2019 position

0 1 1 1 1 0

13-5-2019 - Persetujuan Revisi RBB 2019-2021- Penambahan Fungsi Investor Relations di Divisi SKP

- Approval of Revised RBB 2019-2021- Addition of Investor Relations Function in SKP Division

1 1 1 1 1 0

27-5-2019 - Pembahasan dan Evaluasi Kerja Tim Task Force

- Discussion and Evaluation of Task Force Team Work

1 1 1 1 0 0






TanggalDate Agenda

KehadiranAttendace

AN*** HP EG BK

**** E SM

25-6-2019 - Peningkatan Kinerja Bisnis Ritel- Kebijakan Portofolio Treasury- Revisi RBB Bulanan

- Improved Retail Business Performance- Treasury Portfolio Policies- Revised Monthly RBB

1 1 1 1 1 1

5-7-2019 - Strategi Bisnis Ritel- Strategi Bisnis Konsumer

- Retail Business Strategy- Consumer Business Strategy

1 1 1 0 1 1

9-7-2019 - Pengarahan kepada Kepala Divisi dan Kepala Desk

- Direction to Division Heads and Desk Heads

1 1 1 0 0 1

22-7-2019 - Prognosa Bulan Juli 2019- Lain-Lain

- Prognosis for July 2019- Others

1 1 1 0 1 1

30-7-2019 - Re-Organisasi Divisi/Desk Kantor Pusat BRI Agro- Klasifikasi Kantor Cabang

- BRI Agro Head Office Division/Desk Re-Organisation- Classification of Branch Offices

1 1 1 0 1 1

1-8-2019 - Penempatan dan Mutasi Pekerja

- Worker Placement and Transfer

1 1 1 0 1 1

12-8-2019 - Rencana Publikasi Laporan Keuangan Periode Juni 2019

- Financial Report Publication Plan for the June 2019 Period

1 1 1 0 1 1

27-9-2019 - Persiapan Materi RBB 2020-2022 kepada BRI- Persiapan Presentasi dengan Komisaris BRI

- Preparation of RBB Material 2020-2022 to BRI- Preparation of Presentations with BRI Commissioners

0 1 1 0 1 1

9-10-2019 - Pemilihan Kalender dan Agenda BRI Agro 2020

- Election of Calendar and Agenda BRI Agro 2020

0 1 0 0 1 1

23-10-2019 - Perpanjangan Asuransi Tanggung Gugat Korporasi

- Extension of Corporate Liability Insurance

0 1 1 0 1 1

23-10-2019 - Revisi PPK menengah perihal transaksi khusus

- Revised intermediate PPK regarding special transactions

0 1 1 0 1 1






TanggalDate Agenda

KehadiranAttendace

AN*** HP EG BK

**** E SM

19-11-2019 - Pembahasan Prognosa November 2019 dan RBB 2020-2022

- Pembahasan KPI Oktober 2019 & Progress Project

- Discussion of Prognosis November 2019 and RBB 2020-2022

- October 2019 KPI Discussion & Progress Project

0 1 1 0 1 1

3-12-2019 - Permasalahan di Cabang BRI Agro Bogor

- Issues at BRI Agro Bogor Branch

0 1 1 0 1 1

17-12-2019 - Penetapan Buffer BMPK

- Determination of LLL Buffer

0 1 1 0 1 1

18-12-2010 - Penempatan Struktur Senior Economist

- Placement of Senior Economist Structure

0 1 1 0 1 0

23-12-2019 - Prognosa Kinerja Desember 2019- Rencana Penjualan Saham BPR

- Performance Prognosis December 2019- BPR Stock Sale Plans

0 1 1 0 1 1

Total


18 27 27 12 25 15


17 27 25 11 23 14


94% 100% 93% 92% 92% 93%

Keterangan/Description:AN : Agus NoorsantoEG : Ebeneser Girsang SM : Sigit Murtiyoso

BK : Bambang KrisminarnoHP : Herry PrayudiE : Ernawan






Komite Audit dibentuk oleh Dewan Komisaris dengan tujuan membantu dan memfasilitasi Dewan Komisaris dalam menjalankan tugas dan fungsi pengawasan atas hal-hal yang terkait dengan kualitas informasi keuangan, sistem pengendalian internal, efektivitas pemeriksaan auditor eksternal dan internal, efektivitas pelaksanaan manajemen risiko serta kepatuhan terhadap peraturan perundang-undangan yang berlaku.

Terbentuknya Komite Audit dilandasi oleh aturan dan perundang-undangan yang berlaku di Indonesia antara lain:1. POJK No.55/POJK.04/2015 tentang Pembentukan dan Pedoman

Pelaksanaan Kerja Komite Audit2. POJK No.55/POJK.03/2016 tentang Penerapan Tata Kelola Bank

Umum3. POJK No.13/POJK.03/2017 tentang Penggunaan Jasa Akuntan

Publik dan Kantor Akuntan Publik dalam kegiatan Jasa Keuangan

4. Anggaran Dasar BRI Agro terakhir yang dituangkan dalam Akta Pernyataan Keputusan Rapat No. 23 tanggal 08 Mei 2019, Notaris M. Nova Faisal, S.H., M.Kn,. Perubahan ini telah disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dan terdaftar pada Keputusan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia Nomor AHU-0024948.AH.01.02.Tahun 2019 tanggal 10 Mei 2019.

Pedoman Kerja/Piagam Komite Audit

Piagam Komite Audit merupakan acuan dalam pelaksanaan tugas dan tanggung jawab anggota Komite yang telah disahkan dalam Risalah Rapat Dewan Komisaris No.30/SDK/XII/2019 tanggal 9 Desember 2019 tentang Review Pedoman Kerja Dewan Komisaris, Komite Dewan Komisaris dan Sekretaris Dewan Komisaris dan yang terakhir adalah Surat Keputusan Dewan Komisaris No Kpts B.02/KOM/SKP/12/2019 tanggal Desember 2019 tentang Pedoman dan Tata Kerja Dewan Komisaris, Komite Audit, Komite Remunerasi dan Nominasi, Komite Pemantau Risiko dan Sekretaris Dewan Komisaris. Piagam Komite Audit mengatur mengenai dasar hukum, wewenang, tugas, tanggung jawab, struktur organisasi komite hingga tata cara pelaksanaan rapat.

Kriteria Anggota Komite Audit

Secara umum, persyaratan keanggotaan Komite Audit Perseroan, sebagai berikut:

KOMITE AUDITAUDIT COMMITTEE

The Audit Committee is formed by the Board of Commissioners with the aim of assisting and facilitating the Board of Commissioners in carrying out their duties and supervisory functions on matters relating to the quality of financial information, internal control systems, effectiveness of external and internal auditor audits, effectiveness of risk management and compliance with laws and regulations. laws that apply.

The establishment of the Audit Committee is based on the rules and legislation in force in Indonesia, including:1. POJK No.55/POJK.04/2015 concerning the Formation and

Guidelines for the Implementation of Audit Committee Work2. POJK No.55/POJK.03/2016 concerning the Implementation of

Commercial Bank Governance3. POJK No.13/POJK.03/2017 concerning Use of Public Accountant

Services and Public Accountant Offices in Financial Services activities

4. The latest Articles of Association of BRI Agro as outlined in the Deed of Meeting Decree No. 23 dated May 8, 2019, Notary M. Nova Faisal, S.H., M.Kn ,. This amendment was approved by the Minister of Law and Human Rights of the Republic of Indonesia and registered with the Decree of the Minister of Law and Human Rights of the Republic of Indonesia Number AHU-0024948.AH.01.02. 2019 dated May 10, 2019.

Audit Committee Charter

The Audit Committee Charter is a reference in carrying out the duties and responsibilities of Committee members that have been ratified in the Minutes of the Meeting of the Board of Commissioners No.30/SDK/XII/2019 dated on December 9, 2019, concerning the Review of Work Guidelines for the Board of Commissioners, the Board of Commissioners’ Committee and the Secretary of the Board of Commissioners and its The latest is the Decree of the Board of Commissioners No. Kpts B.02/KOM/SKP/12/2019 in December 2019 concerning the Guidelines and Working Procedures of the Board of Commissioners, the Audit Committee, the Remuneration and Nomination Committee, the Risk Monitoring Committee and the Secretary of the Board of Commissioners. The Audit Committee Charter regulates the legal basis, authority, duties, responsibilities, organizational structure of the committee to the procedure for conducting meetings.

Criteria of Audit Committee Members

In general, the requirements for membership of the Company’s Audit Committee are as follows:






1. Wajib memiliki integritas yang tinggi, akhlak dan moral yang baik, kemampuan, pengetahuan, pengalaman sesuai dengan bidang pekerjaannya, serta mampu berkomunikasi dengan baik;

2. Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab untuk merencanakan, memimpin, mengendalikan, atau mengawasi kegiatan perseroan dalam waktu 6 (enam) bulan terakhir kecuali Komisaris Independen;

3. Bukan merupakan orang dalam kantor akuntan publik, kantor konsultan hukum, kantor jasa penilai publik atau pihak lain yang memberi jasa asuransi, jasa non-asuransi, jasa penilai dan/atau jasa konsultasi lain kepada perseroan dalam waktu 6 (enam) bulan terakhir;

4. Wajib memahami laporan keuangan, bisnis perusahaan khususnya yang terkait dengan layanan jasa atau kegiatan usaha perseroan, proses audit, manajemen risiko, dan peraturan perundang-undangan di bidang pasar modal serta peraturan perundang-undangan terkait lainnya;

5. Wajib mematuhi kode etik Komite Audit yang ditetapkan oleh perseroan;

6. Bersedia meningkatkan kompetensi secara terus-menerus melalui pendidikan dan pelatihan;

7. Wajib memiliki paling kurang satu anggota yang berlatar belakang pendidikan dan keahlian di bidang akuntansi dan/ atau keuangan;

8. Tidak mempunyai saham langsung maupun tidak langsung pada Perseroan;

9. Dalam hal anggota Komite Audit memperoleh saham perseroan baik langsung maupun tidak langsung akibat suatu peristiwa hukum, maka saham tersebut wajib dialihkan kepada pihak lain dalam jangka waktu paling lama 6 (enam) bulan setelah diperolehnya saham tersebut;

10. Tidak mempunyai hubungan afiliasi dengan anggota Dewan Komisaris, anggota Direksi, atau pemegang saham utama Perseroan;

11. Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan usaha Perseroan

Ditambah dengan aturan yang ada di dalam Risalah Rapat Dewan Komisaris No.30/SDK/XII/2019 tanggal 9 Desember 2019 tentang Review Pedoman Kerja Dewan Komisaris, Komite Dewan Komisaris dan Sekretaris Dewan Komisaris yang menjelaskan mengenai keanggotaan Komite Audit yaitu:

1. 1 (satu) orang Komisaris Independen sebagai Ketua Audit merangkap sebagai anggota

2. 1 (satu) orang dari pihak Independen yang memiliki keahlian di bidang keuangan atau akuntansi dengan pengalaman kerja paling sedikit 5 (lima) tahun.

3. 1 (satu) orang dari pihak independen yang memiliki di bidang Hukum atau perbankan dengan pengalaman kerja minimal 5 (lima) tahun.

1. Must have high integrity, good character and morals, ability, knowledge, experience in accordance with their field of work, and be able to communicate well;

2. Not a person who works or has the authority and responsibility to plan, lead, control, or supervise the activities of the company within the last 6 (six) months except for Independent Commissioners;

3. Not a person in a public accounting firm, legal consulting office, public appraisal service office or other party providing insurance services, non-insurance services, appraisal services and/or other consulting services to the company within the past 6 (six) months;

4. Must understand financial statements, company business specifically related to the company’s services or business activities, audit processes, risk management, and legislation in the capital market and other relevant laws and regulations;

5. Must comply with the Audit Committee’s code of ethics established by the company;

6. Be willing to increase competence continuously through education and training;

7. Must have at least one member with an educational background and expertise in accounting and/or finance;

8. Does not have direct or indirect shares in the Company;

9. In the event that a member of the Audit Committee acquires the company’s shares both directly and indirectly due to a legal event, then the said shares must be transferred to another party within a period of 6 (six) months after the acquisition of said shares;

10. Does not have any affiliation with members of the Board of Commissioners, members of the Board of Directors, or major shareholders of the Company;

11. Do not have business relationships, directly or indirectly, related to the Company’s business activities

Added to the rules contained in the Minutes of the Board of Commissioners’ Meeting No.30/SDK/XII/2019 dated on December 9, 2019 concerning the Review of the Work Guidelines for the Board of Commissioners, the Committees of the Board of Commissioners and the Secretary of the Board of Commissioners which explains the membership of the Audit Committee, namely:1. 1 (one) Independent Commissioner as Audit Chair and

concurrently a member2. 1 (one) person from an Independent party who has expertise

in finance or accounting with at least 5 (five) years work experience.

3. 1 (one) person from an independent party who has in the field of Law or banking with work experience of at least 5 (five) years.







Dalam POJK No. 55/POJK.04/2015 Tentang Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit dijelaskan mengenai masa tugas anggota Komite Audit tidak boleh lebih lama dari masa jabatan Dewan Komisaris dan hanya dapat dipilih kembali untuk 1 (satu) Periode berikutnya.

Susunan, Jumlah, Komposisi dan Dasar Pengangkatan Komite Audit

Susunan dan jumlah keanggotaan Komite Audit yang telah disahkan dalam Surat Keputusan Direksi No Kpts R.30/Dir.01.02/SDM/08/2019 tanggal 13 Agustus 2019, sebagai berikut :

NamaName

JabatanPosition


KeahlianExpertise

Periode JabatanPosition Period

A.Y. Soepadmo KetuaChairman


Perbankan/Keuangan dan Audit Banking/Finance and Audit

2019 - 2021

Retno Surdini AnggotaMember

Pihak IndependenIndependent Party

Perbankan/Keuangan, Audit dan Kepatuhan Banking/Finance, Audit, and Compliance

12 Agustus 2019 August 12, 2019

Antonius Suryanta AnggotaMember


Perbankan/Keuangan Audit AkuntansiBanking/Finance Audit Accounting

12 Agustus 2019 - 2021August 12, 2019 - 2021

Profil Anggota Komite Audit

Profil Ketua Komite Audit dapat dilihat pada bab Profl Perusahaan di dalam buku Laporan Tahunan ini.


In POJK No. 55/POJK.04/2015 Regarding the Establishment and Guidelines for the Work of the Audit Committee, it is explained that the term of office of the Audit Committee members may not be longer than the term of office of the Board of Commissioners and can only be re-elected for the next 1 (one) Period.

Structure, Total Composition and Basis of Appointment of the Audit CommitteeThe composition and number of members of the Audit Committee which was approved in the Decree of the Board of Directors No. Kpts R.30/Dir.01.02/SDM/08/2019 dated on August 13, 2019, as follows:

Profile of Audit Committee Members

The profile of the Chairman of the Audit Committee can be seen in the Company’s Professional chapter in this Annual Report book.

Retno Surdini

Anggota Komite AuditMember of Committee Audit

UsiaAge

62 tahun62 years of age

KewarganegaraanNationality

Indonesia

DomisiliDomicile

Jakarta

Riwayat PendidikanEducation Background

· Sarjana Jurusan Sosial Ekonomi Pertanian, Institut Pertanian Bogor (1980)

· Bachelor of Agricultural Socio-Economic Department, Bogor Agricultural University (1980)

Riwayat PekerjaanWork Experiences

· Kepala Divisi Pendidikan dan Pelatihan BRI tahun (2012)· Kepala Satuan Kerja Audit Intern (SKAI) BRI Wilayah Jakarta III (2010 -2012) · Kepala Divisi Kepatuhan Bank BRI (2008 - 2010 )






· Head of BRI's Education and Training Division (2012).· Head of BRI Internal Audit Unit (SKAI) BRI Region Jakarta III (2010-2012),· Head of Bank BRI Compliance Division (2008 - 2010),

Jabatan LainnyaOther Positions

Tidak adaNone

Dasar Hukum Pengangkatan Legal Basis of Appointment

• Surat Keputusan Direksi Kpts.R.15/Dir.01.02/MSDM/ III/2017 tanggal 27 Maret 2017 tentang Perubahan Susunan Keanggotaan Komite Audit.

• Keputusan Direksi nomor berdasarkan Keputusan Direksi 15/Dir.01.02/ MSDM/III/2017 tanggal 27 Maret 2017 untuk periode sampai dengan 28 Februari 2019.

• Surat Keputusan Direksi No Kpts R.05/Dir.01.02/SDM/07/2019 tanggal 10 Juli 2019 tentang Susunan Komite Audit

• Decree of the Board of Directors Kpts.R.15/Dir.01.02/MSDM/III/2017 dated on March 27, 2017 concerning Changes in the Membership of the Audit Committee.

• Decree of the Board of Directors number based on Directors Decree 15/Dir.01.02/MSDM/III/2017 dated on March 27, 2017 for the period up to February 28, 2019.

• Decree of the Board of Directors No. Kpts R.05/Dir.01.02/SDM/07/2019 dated on July 10, 2019 concerning the Composition of the Audit Committee

KualifikasiQualification

Pihak independen yang memiliki keahlian bidang perbankan/keuangan, audit dan kepatuhan.Independent parties who have expertise in banking/finance, auditing and compliance.

Antonius Suryanta

AnggotaMember

UsiaAge

56 Tahun56 years of age


Indonesia

DomisiliDomicile

Jakarta


· Sarjana Ekonomi Akuntansi Universitas Gadjah Mada (1982)· Magister Manajemen Universitas Padjadjaran (2008)

· Bachelor of Accounting Economics, Gadjah Mada University (1982)· Master of Management at Padjadjaran University (2008)


· Wakil Pemimpin Wilayah BRI Denpasar (2018-2019) · Wakil Pemimpin Wilayah BRI Makassar (2017-2018)· Wakil Pemimpin Wilayah BRI Manado (2014-2017)· Kepala Divisi Pengendalian Risiko Kredit PT BRI Agro (2010-2014)· Anggota Tim Kuasa Direksi Akusisi PT BRI Agro (2009-2010)· Group Head Restrukturisasi dan Penyelamatan Kredit Bank BRI (2008-2009)

· Deputy Chief of BRI Denpasar Region (2018-2019)· BRI Makassar Deputy Region Leader (2017-2018)· Deputy Head of BRI Manado Region (2014-2017)· Head of Credit Risk Control Division of PT BRI Agro (2010-2014)· Member of PT BRI Agro›s Acquisition Board of Directors (2009-2010)· BRI Group Head Restructuring and Saving Credit (2008-2009)


Tidak adaNone






Independensi Anggota Komite Audit

Seluruh anggota Komite Audit merupakan pihak independen yang tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham dan/atau hubungan dengan Perseroan, Dewan Komisaris, Direksi atau Pemegang Saham. Tidak ada anggota komite yang merangkap menjadi anggota komite lainnya. Independensi diwajibkan dan telah diatur dalam peraturan OJK No. 55/POJK.04/2015 tanggal 23 Desember 2015 tentang Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit dengan tujuan agar anggota Komite Audit tidak terpengaruh oleh kepentingan pribadi atau pihak lain dalam menyampaikan pendapat dan melaksanakan tugasnya.

Aspek IndependensiIndependence Aspects

A.Y. Soepadmo Retno Surdini Antonius

Sutyanta

Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan DireksiHas no financial relationship with the Board of Commissioners and Directors

√ √ √

Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, maupun perusahaan afiliasiHas no management relationship in the company, its subsidiaries, or affiliated companies

√ √ √


√ √ √

Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama anggota Komite Nominasi, Remunerasi dan GCGHas no any family relations with the Board of Commissioners, Directors, and/or fellow members of the Nomination, Remuneration and GCG Committee

√ √ √

Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintahDoes not serve as a manager of political parties, officials and government

√ √ √


Komite Audit mempunyai tugas dan tanggung jawab paling kurang:1. Melakukan penelaahan atas informasi keuangan yang akan

dikeluarkan Perseroan dan/atau pihak otoritas antara lain laporan keuangan, proyeksi, dan laporan lainnya terkait dengan informasi keuangan Perseroan;

Independence of Audit Committee Members

All members of the Audit Committee are independent parties who have no financial, management, share ownership and/or relationship with the Company, the Board of Commissioners, Directors or Shareholders. And no committee member who is also a member of the other committee. Independence is required and has been regulated in FSA regulation No. 55/POJK.04/2015 dated December 23, 2015 concerning the Formation and Guidelines for the Implementation of Audit Committee Work with the aim that the Audit Committee members are not influenced by personal interests or other parties in expressing their opinions and carrying out their duties.


The Audit Committee has the following duties and responsibilities:

1. Reviewing financial information that will be released by the Company and/or the authorities, including financial statements, projections and other reports related to the Company’s financial information;


• Surat Keputusan Direksi No.Kpts. R.30/Dir.01.02/SDM/08/2019 tanggal 13 Agustus 2019 tentang Susunan Anggota Komite Audit

• Decree of the Board of Directors No.Kpts. R.30/Dir.01.02/SDM/08/2019 dated on August 13, 2019 concerning the Audit Committee Membership Arrangement


Pihak independen yang memiliki keahlian bidang perbankan/keuangan audit dan akuntansi.Independent parties who have expertise in banking / finance audit and accounting.






2. Melakukan penelaahan atas ketaatan terhadap peraturan perundang-undangan yang berhubungan dengan kegiatan Perseroan;

3. Memberikan pendapat independen dalam hal terjadi perbedaan pendapat antara manajemen dan Akuntan atas jasa yang diberikannya;

4. Memberikan rekomendasi kepada Dewan Komisaris mengenai penunjukan Akuntan yang didasarkan pada independensi, ruang lingkup penugasan, dan imbalan jasa;

5. Melakukan penelaahan atas pelaksanaan pemeriksaan oleh Auditor Internal dan mengawasi pelaksanaan tindaklanjut oleh Direksi atas temuan Auditor Internal;

6. Menelaah pengaduan yang berkaitan dengan proses akuntansi dan pelaporan keuangan Perseroan;

7. Menelaah dan memberikan saran kepada Dewan Komisaris terkait dengan adanya potensi benturan kepentingan Perseroan;

8. Menjaga kerahasiaan dokumen, data dan informasi Perseroan.

9. Komite Audit wajib melakukan pemantauan dan evaluasi atas perencanaan dan pelaksanaan audit serta pemantauan atas tindaklanjut hasil audit dalam rangka menilai kecukupan pengendalian intern, termasuk kecukupan proses pelaporan keuangan.

10. Dalam rangka melaksanakan tugasnya di atas, Komite Audit wajib melakukan pemantauan dan evaluasi paling sedikit terhadap :a) Pelaksanakan tugas satuan kerja Audit Intern;b) Kesesuaian pelaksanaan audit oleh Kantor Akuntan publik

dengan Standar Audit;c) Kesesuaian laporan keuangan dengan Standar Akuntansi

Keuangan;d) Pelaksanaan tindak lanjut oleh Direksi atas hasil temuan

Satuan Kerja Audit Intern, Akuntan publik, dan hasil pengawasan Otoritas Jasa Keuangan, guna memberikan rekomendasi kepada Dewan Komisaris

11. Komite Audit wajib memberikan rekomendasi mengenai penunjukan Akuntan Publik dan Kantor Akuntan Publik kepada Dewan Komisaris untuk disampaikan kepada RUPS Tahunan.

Rapat Komite Audit

Tata cara rapat Komite Audit telah diatur didalam Pedoman Kerja Komite Audit, yaitu dipimpin oleh Ketua Komite Audit dan dihadiri oleh minmal 51% keanggotaan. Rapat diselenggarakan sekurang-kurangnya sekali dalam tiga bulan dengan pengambilan keputusan secara musyawarah untuk mufakat atau berdasarkan pemungutan suara terbanyak.

Sepanjang tahun 2019, Komite Audit BRI Agro telah menyelenggarakan rapat sebagaimana berikut:

2. Reviewing compliance with laws and regulations relating to the Company’s activities;

3. Providing an independent opinion in the event of disagreement between management and the Accountant for the services provided;

4. Providing recommendations to the Board of Commissioners regarding the appointment of an Accountant based on independence, the scope of the assignment, and compensation for services;

5. Reviewing the examination by the Internal Auditor and supervising the implementation of follow-up by the Board of Directors on the findings of the Internal Auditor;

6. Examining complaints relating to the Company’s accounting and financial reporting processes;

7. Reviewing and providing advice to the Board of Commissioners related to the potential conflict of interests of the Company;

8. Maintaining the confidentiality of the Company’s documents, data and information;

9. The Audit Committee shall monitor and evaluate the audit planning and implementation as well as monitoring the follow-up of audit results in order to assess the adequacy of internal control, including the adequacy of the financial reporting process.

10. In order to carry out their duties above, the Audit Committee must monitor and evaluate at least:

a) Carrying out the duties of the Internal Audit work unit;b) Compliance with the implementation of audits by public

accounting firms with audit standards;c) Compliance of financial statements with Financial

Accounting Standards;d) Implementation of follow-up by the Board of Directors on

the findings of the Internal Audit Work Unit, Public Accountants, and the supervision results of the Financial Services Authority, to provide recommendations to the Board of Commissioners

11. The Audit Committee must provide recommendations regarding the appointment of the Public Accountant and the Public Accountant Office to the Board of Commissioners to be submitted to the Annual GMS.

Meeting of Committee Audit

The procedure for the Audit Committee meeting has been regulated in the Audit Committee Work Guidelines, which is chaired by the Chairman of the Audit Committee and attended by a minimum of 51% membership. Meetings are held at least once in three months by making deliberations to reach consensus or based on the most votes.

Throughout 2019, the BRI Agro Audit Committee held meetings as follows:






TanggalDate Agenda

KehadiranAttendance

Heru Sukanto**

A.Y. Soepadmo*

Nusyirwan ***

Retno Surdini Antonius S.

04-Jan-19 Metodologi Atas Audit PT. BRI AgroMethodology of Audit PT BRI Agro

1 - 1 1 -

15-May-19 Profil Risiko dan Kegiatan Audit Triwulan 1 tahun 2019 Risk Profile and Audit Activities for Quarter 1 of 2019

- - - 1 1

19-Jun-19 Pembahasan Review Piagam Audit Intern terhadap POJK Th. 2019Discussion on Review of Internal Audit Charter on POJK in 2019

- - - 1 1

19-Aug-19 Profil Risiko dan Kegiatan Audit Triwulan 2 Tahun 2019 Risk Profile and Audit Activities for Quarter 2 of 2019

- 1 - 1 1

06-Nov-19 Profil Risiko dan Kegiatan Audit Triwulan 3 Tahun 2019 Risk Profile and Audit Activities for Quarter 3 of 2019

- 1 - 1 1

Total


3 2 1 5 4


1 2 1 5 4


33% 100% 100% 100% 100%

* Efektif per tanggal 21 Nov 2019, Sdr. A.Y. Soepadmo dinyatakan lulus fit and proper test OJK

** Sdr. Heru Sukanto sudah tidak menjabat sebagai Komisaris Independen tmt. 26 Juni 2019

*** Sdr. Nusyirwan per Maret 2019 sudah tidak menjabat sebagai Pihak Independen

Komite Audit

Selain itu Komite Audit juga menghadiri rapat-rapat sebagai berikut:1. Kehadiran dalam Rapat Dewan Komisaris dengan Divisi-Divisi:

- Anggota KA hadir dalam rapat Dewan Komisaris dengan unit kerja (Divisi dan Bagian) di kantor Pusat jika diperlukan

- Selama tahun 2019 telah dilaksanakan rapat sebanyak 10 kali

- Selain itu anggota Komite juga menghadiri rapat konsultasi kredit dengan Divisi Bisnis terkait sebanyak 8 kali

2. Kehadiran dalam rapat Dewan Komisaris dengan Direksi (Radirkom)- Anggota KA hadir dalam rapat Dewan Komisaris dengan

Direksi atau Radirkom yang dilaksanakan pada minggu ketig, setiap bulan yang antara lain membahas hasil kerja bulan sebelumnya serta issue penting terkait kondisi bisnis

- Selama tahun 2019 telah dilaksanakan radirkom sebanyak 14 kali

* Effective as of November 21, 2019, A.Y. Soepadmo was declared to have passed the FSA fit and proper test

** Heru Sukanto is no longer an Independent Commissioner June 26, 2019

*** As of March 2019, Nusyirwan was no longer an Independent Party of the Audit

Committee

In addition, the Audit Committee also attended the following meetings:1. Attendance at the Board of Commissioners' Meetings with

Divisions:- Train members attend the Board of Commissioners meeting

with work units (Divisions and Sections) at the Head office if needed

- During 2019 10 meetings were held- In addition, Committee members also attended credit

consultation meetings with related Business Divisions 8 times2. Attendance at meetings of the Board of Commissioners with

the Board of Directors- Train members attend the Board of Commissioners meeting

with the Board of Directors or Radirkom held on the third week, each month discussing the results of the previous month's work and important issues related to business conditions

- During 2019 radirkom has been held 14 times






Kebijakan dan Besaran Remunerasi Bagi Komite Audit

Besaran Remunerasi Bagi Komite Audit di halaman 461 bersama dengan Komite-Komite lainnya.

Pelaksanaan Tugas Komite Audit

Selama tahun 2019, Komite Audit telah melaksanakan tugas antara lain:1. Membuat rekomendasi dan penilaian hasil audit KAP/AP

2. Membuat laporan pengawasan RBB per Semester3. Membuat laporan evaluasi pelaksanaan audit SKAI

4. Membuat laporan penilaian kinerja Triwulanan5. Monitorng tindak lanjut temuan hasil audit internal dan

eksternal

Policies and Amount of Remuneration for the Audit Committee

The amount of Remuneration for the Audit Committee on the 461 joint page with other Committees.

Audit Committee Duties

During 2019, the Audit Committee has carried out intermediate tasks other:1. Making recommendations and evaluating KAP / AP audit

results2. Making RBB supervision reports per Semester3. Making an evaluation report on the implementation of the

Internal Audit audit4. Make a quarterly performance evaluation report5. Monitoring the follow up of internal audit findings and external






Komite Remunerasi dan Nominasi adalah salah satu Komite yang dibentuk oleh Dewan Komisaris untuk mendukung efektivitas pelaksanaan tugas dan tanggung jawab Dewan Komisaris, khususnya yang terkait dengan bidang Remunerasi dan Nominasi.

Dasar Pembentukan Komite Remunerasi dan Nominasi

Komite Remunerasi dan Nominasi BRI Agro dibentuk pada tahun 2002, dengan penerapan pelaksanaan tugasnya antara lain mengacu pada ketentuan-ketentuan eksternal dan internal sebagai berikut:A. Ketentuan Eksternal

1. POJK No.34/POJK.04/2014 Komite Nominasi dan Remunerasi Emiten atau Perusahaan Publik

2. POJK No.45/POJK.03/2015 tentang Penerapan Tata Kelola Dalam Pemberian Remunerasi Bagi Bank Umum

3. POJK No.55/POJK.03/2016 tentang Penerapan Tata Kelola Bank Umum

4. SE OJK No.13/SE OJK.03/2017 tentang Penerapan Tata Kelola Bagi Bank Umum.

5. POJK Lainnya yang memiliki kaitan dengan dengan tugas dan kewenangan Komite Remunerasi dan Nominasi

B. Ketentuan Internal1. Anggaran Dasar BRI Agro terakhir yang dituangkan dalam

Akta Pernyataan Keputusan Rapat No. 23 tanggal 08 Mei 2019, Notaris M. Nova Faisal, S.H., M.Kn,. Perubahan ini telah disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dan terdaftar pada Keputusan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia Nomor AHU-0024948.AH.01.02.Tahun 2019 tanggal 10 Mei 2019.

2. Pedoman Kerja Dewan Komisaris yang telah direvisi sesuai dengan Risalah Rapat Dewan Komisaris No.30/SDK/XII/2019 tanggal 9 Desember 2019 tentang Review Pedoman Kerja Dewan Komisaris, Komite Dewan Komisaris dan Sekretaris Dewan Komisaris, dan dituangkan dengan SK Direksi No.Kpts:B.02/KOM/SKP/12/2019 tanggal 18 Desember 2019.

3. Pedoman Kerja Komite Remunerasi dan Nominasi yang telah direvisi sesuai dengan Risalah Rapat Dewan Komisaris No.30/SDK/XII/2019 tanggal 9 Desember 2019 tentang Review Pedoman Kerja Dewan Komisaris, Komite Dewan Komisaris dan Sekretaris Dewan Komisaris, dan dituangkan dengan SK Direksi SK Direksi No.Kpts:B.02/KOM/SKP/12/2019 tanggal 18 Desember 2019.

The Remuneration and Nomination Committee is one of the Committees formed by the Board of Commissioners to support the effectiveness of the implementation of the duties and responsibilities of the Board of Commissioners, particularly those related to the Remuneration and Nomination field.

Enforcement Basis of Remuneration and Nomination Committee

BRI Agro Remuneration and Nomination Committee was formed in 2002, with the implementation of the implementation of its duties, among others, referring to the external and internal provisions as follows:A. External Provisions

1. POJK No.34 / POJK.04 / 2014 Nomination and Remuneration Committee of Issuers or Public Companies

2. POJK No.45 / POJK.03 / 2015 concerning Implementation of Governance in Providing Remuneration for Commercial Banks

3. POJK No.55 / POJK.03 / 2016 concerning the Implementation of Commercial Bank Governance

4. SE OJK No.13/SE OJK.03/2017 concerning the Implementation of Governance for Commercial Banks.

5. Other POJK that are related to the duties and authorities of the Remuneration and Nomination Committee

B. Internal Provisions1. The latest Articles of Association of BRI Agro as outlined in the

Deed of Meeting Decree No. 23 dated May 8, 2019, Notary M. Nova Faisal, S.H., M. Kn ,. This amendment was approved by the Minister of Law and Human Rights of the Republic of Indonesia and registered with the Decree of the Minister of Law and Human Rights of the Republic of Indonesia Number AHU-0024948.AH.01.02.T 2019 dated May 10, 2019.

2. The revised Work Guidelines for the Board of Commissioners in accordance with the Minutes of Meeting of the Board of Commissioners No.30 / SDK / XII / 2019 dated 9 December 2019 concerning Review of the Work Guidelines for the Board of Commissioners, Committees of the Board of Commissioners and Secretary of the Board of Commissioners, and set forth with Decree of the Board of Directors No. Kpts: B.02 / KOM / SKP / 12/2019 dated December 18, 2019.

3. Revised Nomination and Remuneration Committee Work Guidelines in accordance with the Minutes of Meeting of the Board of Commissioners No.30 / SDK / XII / 2019 dated December 9, 2019 concerning the Review of Work Guidelines for the Board of Commissioners, the Board of Commissioners 'Committee and the Secretary of the Board of Commissioners, and set forth with a Board of Directors' Decree Decree of the Board of Directors No.Kpts: B.02 / KOM / SKP / 12/2019 dated December 18, 2019

KOMITE REMUNERASI DAN NOMINASIREMUNERATION AND NOMINATION COMMITTEE






Pedoman Kerja/Piagam Komite Remunerasi dan Nominasi

Perseroan memiliki Pedoman Kerja Komite Remunerasi dan Nominasi yang secara terus-menerus disempurnakan dan diperbaharui sesuai dengan perkembangan/perubahan peraturan hukum yang berlaku serta kondisi terkini.

Pembaharuan/penyempurnaan atas Pedoman dan Tata Tertib Kerja Komite Remunerasi dan Nominasi BRI Agro terakhir dilakukan sebagaimana Risalah Rapat Dewan Komisaris No.30/SDK/XII/2019 tanggal 9 Desember 2019 tentang Review Pedoman Kerja Dewan Komisaris, Komite Dewan Komisaris dan Sekretaris Dewan Komisaris, dan dituangkan dengan SK Direksi No.Kpts:B.02/KOM/SKP/12/2019 tanggal 18 Desember 2019. Dalam ketentuan tersebut diatur mengenai (1) Dasar Hukum, (2) Tugas, Tanggung Jawab dan Kewenangan, (3) Organisasi, (4) Etika Kerja, (5) Waktu Kerja, (6) Rapat, (7) Korespondensi dan (8) Pelaporan.

Kedudukan dan Keanggotaan Komite Remunerasi dan Nominasi

1. Kedudukan Komite Remunerasi dan Nominasi.a. Komite berada di bawah koordinasi Dewan Komisaris dan

bertanggung jawab kepada Dewan Komisaris.

b. Pengangkatan dan pemberhentian anggota Komite dilakukan oleh Direksi berdasarkan keputusan rapat Dewan Komisaris.

2. Keanggotan Komite Remunerasi dan Nominasi. a. Anggota Komite Remunerasi dan Nominasi paling kurang

terdiri dari 3 (tiga) orang, salah satu di antaranya adalah Komisaris Independen yang akan bertindak sebagai Ketua Komite;

b. Anggota Komite paling kurang terdiri dari:1) Seorang Komisaris Independen;2) Seorang Komisaris3) Pejabat Eksekutif yang membawahi unit kerja Sumber

Daya Manusia.4) Apabila dipandang perlu anggota Komite dapat berasal

dari pihak independen.c. Dalam hal anggota komite remunerasi dan nominasi

ditetapkan lebih dari 3 (tiga) orang maka anggota Komisaris Independen paling sedikit berjumlah 2 (dua) orang. Komite diketuai oleh Komisaris Independen merangkap sebagai anggota.

d. Ketua Komite dilarang merangkap jabatan sebagai Ketua Komite lain lebih dari 1 (satu) pada komite lainnya.

e. Semua anggota Komite dipilih oleh Dewan Komisaris melalui mekanisme perekrutan dan seleksi.

Work Guidelines/Charter of the Remuneration and Nomination Committee

The Company has a Remuneration and Nomination Committee Work Guidelines that are continuously being improved and updated in accordance with developments / changes in applicable legal regulations and the latest conditions.

The latest BRI Agro Remuneration and Nomination Committee Charter is updated / amended in accordance with the Minutes of Meeting of the Board of Commissioners No.30 / SDK / XII / 2019 dated December 9, 2019 concerning the Review of the Work Guidelines for the Board of Commissioners, the Board of Commissioners and Secretary of the Board of Commissioners, and set forth in the Decree of the Board of Directors No.Kpts: B.02 / KOM / SKP / 12/2019 dated December 18, 2019. The provisions stipulate regarding (1) Legal Basis, (2) Duties, Responsibilities and Authority, (3) Organization , (4) Work Ethics, (5) Working Time, (6) Meetings, (7) Correspondence and (8) Reporting.

Position and Membership of the Remuneration and Nomination Committee

1. Position of the Remuneration and Nomination Committee.a. The committee is under the coordination of the Board of

Commissioners and is responsible to the Board of Commissioners.

b. The appointment and dismissal of the Committee members is carried out by the Directors based on the decision of the Board of Commissioners meeting

2. Remuneration and Nomination Committee Membership.a. The members of the Remuneration and Nomination

Committee consist of at least 3 (three) people, one of whom is an Independent Commissioner who will act as the Chairperson of the Committee;

b. Committee members consist of at least:1) An Independent Commissioner;2) A Commissioner3) The Executive Officer in charge of the Human Resources

work unit.4) If deemed necessary the members of the Committee

can come from independent partiesc. In the event that more than 3 (three) members of the

remuneration and nomination committee are appointed, the members of the Independent Commissioners are at least 2 (two) people. The Committee is chaired by an Independent Commissioner and also a member.

d. The Chair of the Committee is prohibited from holding concurrent positions as Chairpersons of more than 1 (one) Committee on other committees.

e. All Committee members are elected by the Board of Commissioners through a recruitment and selection mechanism.






f. Persyaratan keanggotaan :1. Anggota Komite wajib memiliki integritas, akhlak, dan

moral yang baik.2. Wajib memiliki kemampuan, pengetahuan, pengalaman

sesuai dengan pekerjaannya, serta mampu berkomunikasi dengan baik.

3. Bersedia meningkatkan kompetensi secara terus-menerus melalui pendidikan dan pelatihan.

4. Anggota Direksi dilarang menjadi anggota Komite Remunerasi dan Nominasi.


Masa tugas anggota Komite Remunerasi dan Nominasi tidak boleh lebih dari masa jabatan Dewan Komisaris sebagaimana diatur dalam Anggaran Dasar dan dapat dipilih kembali hanya untuk 1 (satu) periode berikutnya.

Susunan, Jumlah, Komposisi dan Dasar Pengangkatan Komite Remunerasi dan NominasiAnggota Komite Remunerasi dan Nominasi diangat dan diberhentikan berdasarkan keputusan rapat Dewan Komisaris untuk masa jabatan tertentu sebagaimana diatur dalam Anggaran Dasar. Pada akhir tahun 2019 susunan Komite Remunerasi dan Nominasi BRI Agro telah disahkan dalam Surat Keputusan Direksi No. Kpts. R.07/Dir.01.02/SDM/07/2019 tanggal 10 Juli 2019 sebagaimana berikut:

NamaName

JabatanPosition


KeahlianExpertise



KetuaChairman

Plt. Komisaris Utama/ Komisaris IndependenActing (ACT) President Commissioner/Independent Commissioner

Perbankan/KeuanganBanking/Financing

27 Juni 2019 – 2021June 27, 2019 – 2021

A.Y. Soepadmo AnggotaMember


Perbankan/Keuangan dan Audit Banking/Financing and Audit

27 Juni 2019 – 2021June 27, 2019 – 2021

Agus Daniar AnggotaMember


Perbankan/Keuangan, SDM dan AuditBanking/Financing, HR, and Audit

27 Juni 2019 – 2021June 27, 2019 – 2021

Yudi Malela AnggotaMember

Pejabat Eksekutif Kepala Divisi MSDMChief Executive Officer of the HRM Division

Perbankan/Keuangan dan SDMBanking/Financing and HR

Ex-Officio

f. Membership requirements:1. Committee members must have integrity, character

and good morals2. Must have the ability, knowledge, experience in

accordance with their work, and be able to communicate well.

3. Willing to increase competence continuously through education and training.

4. Members of the Board of Directors are prohibited from becoming members of the Remuneration and Nomination Committee..

Terms of Term Office

The term of office of the members of the Remuneration and Nomination Committee may not exceed the term of office of the Board of Commissioners as stipulated in the Articles of Association and can be re-elected only for 1 (one) subsequent period.

Structure, Total, Composition and Basis of Appointment of the Remuneration and Nomination CommitteeMembers of the Remuneration and Nomination Committee are respected and dismissed based on the decision of the Board of Commissioners meeting for a certain term as stipulated in the Articles of Association. At the end of 2019 the composition of the BRI Agro Remuneration and Nomination Committee was approved in Decree of the Directors No. Kpts. R.07/Dir.01.02/SDM/07/2019 dated on July 10, 2019 as follows:






Profil Komite Remunerasi dan Nominasi

Profil Anna Maria Tjiadarma, A.Y. Soepadmo dan Yudi Malalea dapat dilihat pada bab Profil Perusahaan dalam buku Laporan Tahunan ini.

Profile of the Remuneration and Nomination Committee

The profile of Anna Maria Tjiadarma, A.Y. Soepadmo and Yudi Malalea can be seen in the Corporate Profile chapter in this Annual Report.

Agus Daniar

Anggota Komite Remunerasi dan NominasiMember of Remuneration and Nomination Committee

UsiaAge



Indonesia

DomisiliDomicile

Jakarta


· Sarjana Jurusan Manajemen Universitas Katholik Parahyangan Bandung (1986)

· Post Graduate Diploma in Banking & Finance, Monash University, AUSTRALIA (1993)

· S2 di Victoria University of Technology, Australia (tahun 1994) · S3 Jurusan Ilmu Komunikasi Universitas Pajajaran Bandung (tahun 2012).

· Bachelor of Management at Parahyangan Catholic University in Bandung (1986)

· Post Graduate Diploma in Banking & Finance, Monash University, AUSTRALIA (1993)

· Master at Victoria University of Technology, Australia (1994)· Doctor of Communication Science Department, Pajajaran University,

Bandung (in 2012).


• Wakil Inspektur (Vice President) Kantor Inspeksi (Audit Internal) BRI Wilayah Sumatera Utara, Medan (2016)• Group Head (Assistant Vice President) Kantor Inspeksi Wilayah Sulawesi Selatan, Makasar (2014 - 2016), • Senior Instruktur (Assistant Vice President) BRI Divisi Pendidikan dan Latihan (2008 - 2014), • Senior Relationship Manager Kantor Wilayah Jawa Barat (2001 - 2008), • Kepala Bagian/Group Head Perencanaan Strategis dan Pengembangan Bisnis - Divisi Perencanaan

Strategis Kantor Pusat BRI (1998 - 2001),

• Deputy Inspector (Vice President) of the Office of Inspection (Internal Audit) BRI North Sumatra Region, Medan (2016)

• Group Head (Assistant Vice President) South Sulawesi Regional Inspection Office, Makassar (2014 - 2016),• BRI Senior Instructor (Assistant Vice President) Education and Training Division (2008-2014),• Senior Relationship Manager West Java Regional Office (2001 - 2008),• Head of Division/Group Head of Strategic Planning and Business Development - Strategic Planning

Division of BRI Headquarters (1998 - 2001)


Tidak AdaNone


• SK Direksi nomor Kpts 16/Dir.01.02/MSDM/III/2017 tanggal 27 Maret 2017 • Keputusan Direksi nomor Kpts R.22/ Dir.01.02/MSDM/ IX/2017 tanggal 20 September 2017• Surat Keputusan Direksi No. Kpts. R.07/Dir.01.02/SDM/07/2019 tanggal 10 Juli 2019

• Board of Directors Decree number Kpts 16 / Dir.01.02 / MSDM / III / 2017 dated March 27, 2017• Decree of the Board of Directors Kpts R.22 / Dir.01.02 / MSDM / IX / 2017 dated September 20, 2017.• Directors Decree No. Kpts. R.07 / Dir.01.02 / SDM / 07/2019 dated July 10, 2019


Pihak independen yang memiliki keahlian bidang perbankan/keuangan, bidang SDM dan audit.Independent parties who have expertise in banking/financing, HR, and auditing.






Independensi Anggota Komite Remunerasi dan Nominasi

Seluruh anggota Komite Remunerasi dan Nominasi yang berasal dari pihak independen tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan Dewan Komisaris, Direksi dan/atau Pemegang Saham Pengendali atau hubungan dengan bank, yang dapat mempengaruhi kemampuannya bertindak independen.

Aspek IndependensiIndependence Aspects Anna Maria A.Y.

Soepadmo Agus Daniar Yudi Malela


√ √ √ √


√ √ √ √


√ √ √ √

Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama anggota Komite Nominasi, Remunerasi dan GCGHave no any family relations with the Board of Commissioners, Directors, and/or fellow members of the Nomination, Remuneration and GCG Committee

√ √ √ √


√ √ √ √


Komite Remunerasi dan Nominasi bertugas untuk membantu Dewan Komisaris dalam melaksanakan tugas pengawasan terhadap hal-hal sebagai berikut : A. Terkait dengan fungsi Remunerasi:

1. Melakukan evaluasi secara berkala terhadap penerapan Kebijakan Remunerasi

2. Memastikan bahwa kebijakan Remunerasi telah sesuai dengan ketentuan yang berlaku.

3. Memberikan rekomendasi kepada Dewan Komisaris mengenai struktur Remunerasi, Kebijakan Remunerasi dan besaran Remunerasi.

B. Terkait dengan fungsi Nominasi:1. Memberikan rekomendasi kepada Dewan Komisaris

mengenai sistem serta prosedur pemilihan dan atau penggantian anggota Dewan Komisaris dan Direksi.

2. Membantu Dewan Komisaris melakukan penilaian kinerja anggota Direksi dan/atau anggota Dewan Komisaris

Independence of Remuneration and Nomination Committee Members

All members of the Remuneration and Nomination Committee who come from independent parties do not have financial, management, share ownership and/or family relations with the Board of Commissioners, Directors and/or Controlling Shareholders or relationships with banks, which can affect their ability to act independently.


The Remuneration and Nomination Committee is obliged to help the Board of Commissioners in terms of running the supervision towards the matters that cover A. Related to the Functions of Remuneration:

1. Evaluating the implementation towards the Remuneration Policy, periodically.

2. Ensuring that the Remuneration Policy has been suitable to the applicable laws.

3. Providing recommendations towards the Board of Commissioner regarding the structure of Remuneration, the Remuneration Policy, and the amount of the Remuneration itself

B. Related to the Nomination function:1. Providing recommendations to the Board of Commissioners

regarding the selection system and procedures and or replacement of members of the Board of Commissioners and Directors.

2. Assistimg the Board of Commissioners in evaluating performance members of the Board of Directors and / or






berdasarkan tolok ukur yang telah disusun sebagai bahan evaluasi.

3. Memberikan rekomendasi mengenai Pihak Independen yang akan menjadi anggota Komite yang ada di bawah koordinasi Dewan Komisaris.

Kewenangan Komite Remunerasi dan Nominasi

Komite Remunerasi dan Nominasi dalam lingkup tanggung jawabnya dapat : 1. Memperoleh informasi yang relevan berkaitan dengan

pelaksanaan tugasnya dari pihak internal maupun eksternal.2. Memberikan pendapat dan rekomendasi kepada Dewan

Komisaris dalam rangka memastikan kecukupan Kebijakan Remunerasi dan Nominasi.

3. Melakukan kewenangan lain yang diberikan oleh Dewan Komisaris.

Rapat Komite Remunerasi dan Nominasi

1. Rapat Komite Remunerasi dilaksanakan sesuai dengan kebutuhan Bank dan atau sekurang-kurangnya 1 kali dalam 4 bulan.

2. Rapat Komite Remunerasi dan Nominasi dan hanya dapat diselenggarakan apabila:a. Dihadiri oleh mayoritas dari jumlah anggota Komite

Nominasi dan Remunerasi (paling sedikit 51% dari jumlah anggota); dan

b. Salah satu dari mayoritas jumlah anggota Komite Nominasi dan Remunerasi sebagaimana dimaksud pada huruf a merupakan Ketua Komite Nominasi dan Remunerasi.

3. Selama tahun 2019, Rapat Komite Remunerasi dan Nominasi dilaksanakan sebagai berikut :

TanggalDate Agenda

KehadiranAttendance

Anna Maria Heru S. Ahdi

JumhariA.Y.

SoepadmoAgus

DaniarYudi

Malela

21-Jan-19Jan 21, 2019

Pengajuan Direksi dan Komisaris Peseroan sesuai surat PT BRI (Persero)Submission of Directors and Commissioners of the Company in accordance with the letter of PT BRI (Persero)

1 1 - - 1 1

27 Maret 2019Mar 27, 2019

Evaluasi Anggota KomiteEvaluation of Committee Members

1 1 - - - 1

15 April 2019April 15, 2019

Tantiem th buku 2018 dan Remunerasi dan tunjangan lainnya untuk Direksi dan KomisarisTantiem for fiscal year 2018 and Remuneration and other benefits for Directors and Commissioners

1 1 1 - 1 1

6 Mei 2019May 6, 2019

Honorarium anggota KomiteHonorarium of Committee members

1 - - 1 1

members of the Board of Commissioners based on benchmarks that have been prepared as ingredients evaluation.

3. Providing recommendations regarding Independent Parties who will become members of the Committee under the coordination of the Board of Commissioners

Authorities of Remuneration and Nomination Committee

Remuneration and Nomination Committee within the scope of responsibilities the answer can be:1. Obtaining relevant information relating to the implementation

of their duties from internal and external parties.2. Providing opinions and recommendations to the Board

Commissioner in order to ensure the adequacy of the Policy Remuneration and Nomination.

3. Performing other authorities granted by the Board Commissioner

Meeting of Remuneration and Nomination Committee

1. Remuneration Committee meetings are held as needed Bank and or at least 1 time in 4 months.

2. Remuneration and Nomination Committee meetings and can only be held if:a. Attended by a majority of the Committee members

Nomination and Remuneration (at least 51% of the amount member); and

b. One of the majority members of the Nomination Committee and Remuneration as referred to in letter a is the Chairperson of the Nomination and Remuneration Committee.

3. During 2019, Remuneration and Nomination Committee Meeting implemented as follows






TanggalDate Agenda

KehadiranAttendance

Anna Maria Heru S. Ahdi

JumhariA.Y.

SoepadmoAgus

DaniarYudi

Malela

24 Juni 2019June 24, 2019

Pengajuan Direksi dan Komisaris Peseroan sesuai surat PT BRI (Persero) selaku Pemegang Saham PengendaliSubmission of Directors and Commissioners of the Company in accordance with the letter of PT BRI (Persero) as the Controlling Shareholder

1 1 - - 1 1

12 Agust 2019August 12, 2019

Reposisi Anggota Komite AuditRepositioning of Audit Committee Members

1 1 1 1 1

3 Sept 2019Sep 3, 2019

Penetapan Pelaksana Tugas (PLT) Dirut PT BRI AgroDetermination of Acting (ACT) President Director of PT BRI Agro

1 1 1 1 1

27-Nov-19Nov 27, 2019

Penunjukan Pelaksana Tugas (PLT) Komisaris UtamaAppointment of Acting (ACT) President Commissioner

1 1 1 1 1

Total Jumlah RapatTotal Meeting

8 5 7 3 8 8


8 4 4 3 7 8


100% 80% 57% 100% 87% 100%

Keterangan:

1. Masa efektif Sdr. Ahdi Jumhari Luddin sebagai Komisaris Utama BRI Agro mulai

tgl. 24 Mei 2019 (lulus Fit & Proper Test OJK)

2. Sdr. Heru Sukanto sudah tidak menjabat sbg Komisaris Independen tmt. 26 Juni

2019

3. Masa efektif Sdr. A.Y. Soepadmo sebagai Komisaris Independen BRI Agro mulai

tgl. 21 Nov 2019 (lulus Fit & Proper Test OJK)

4. Sdr. Ahdi Jumhari Luddin dan Sdr. A.Y. Soepadmo masuk sbg anggota KRN tmt.

tgl. 27 Juni 2019

Selain rapat tersebut di atas, Komite Remunerasi dan Nominasi juga mengikuti rapat-rapat lainnya yang diadakan seperti Rapat Dewan Komisaris Direksi, Rapat Dewan Komisaris dengan Direktur Bidang atau dengan Unit Kerja Terkait.

Kebijakan dan Besaran Remunerasi Bagi Komite Remunerasi dan Nominasi

Besaran Remunerasi Bagi Komite Remunerasi dan Nominasi di halaman 461 bersama dengan Komite-Komite lainnya.

Description:

1. Effective period Ahdi Jumhari Luddin as President Commissioner of BRI Agro

starting on. May 24, 2019 (passed the FSA Fit & Proper Test)

2. Heru Sukanto is no longer an Independent Commissioner on June 26, 2019

3. Effective period of A.Y. Soepadmo as Independent Commissioner of BRI Agro

starting on Nov 21, 2019 (passed the FSA Fit & Proper Test)

4. Ahdi Jumhari Luddin and A.Y. Soepadmo entered as a member of the KRN where

he lived dated on June 27, 2019

In addition to the meeting above, the Remuneration and Nomination Committee also attend other meetings that are held such as meetings Board of Commissioners Board of Directors, Board of Commissioners Meeting with Director Field or Related Work Unit.

Remuneration Policy and Amount for the Remuneration and Nomination CommitteeThe Remuneration Amount for the Remuneration and Nomination Committee at page 461 along with other Committees






Pelaksanaan Tugas Komite Remunerasi dan Nominasi

Selama tahun 2019 Komite Remunerasi dan Nominasi telah melaksanakan program/Rencana Kerja dalam rangka membantu pelaksanaan tugas Dewan Komisaris. 1. Memantau pelaksanaan tindak lanjut teknis pelaksanaan

Kebijakan Tata Kelola Remunerasi PT Bank Rakyat Indonesia Agroniaga, Tbk.

2. Rapat bersama Divisi Manajemen Sumber Daya Manusia (MSDM) dengan agenda turn over pekerja.

3. Evaluasi Perubahan Ketentuan/Kebijakan Program Pemilikan Mobil (PPM) bagi Direksi.

4. Menyelesaikan Revisi Pedoman Kerja Komite Remunerasi dan Nominasi.

5. Kunjungan ke Kanca Balikpapan dengan Komisaris.

Kebijakan Suksesi Direksi

suksesi Direksi BRI Agro mengacu kepada Peraturan Menteri BUMN No. PER-03/MBU/02/2015 tentang Persyaratan, Tata Cara Pengangkatan dan Pemberhentian Anggota Direksi Badan Usaha Milik Negara.

Prosedur suksesi Direksi yang dilakukan Bank adalah sebagai berikut: 1. Komite Remunerasi dan Nominasi mengidentifikasi calon yang

memenuhi kriteria; 2. Dewan Komisaris atas dasar saran dari Komite Remunerasi dan

Nominasi menyampaikan usulan calon kepada Pemegang Saham;

3. Dalam RUPS dilakukan Pengangkatan dan penetapan suksesi Direksi

4. Calon yang telah disetujui diajukan ke OJK untuk fit and proper test dan memberikan persetujuan calon pengurus Bank

Implementation Duties of Remuneration and Nomination Committee

During 2019 the Remuneration and Nomination Committee has been implement the program / Work Plan in order to help carrying out the duties of the Board of Commissioners.1. Monitor the implementation of technical follow-up

implementation The Remuneration Governance Policy of PT. Bank Rakyat Indonesia Agroniaga, Tbk.

2. Meeting with the Human Resources Management Division (HRM) with an employee turnover agenda.

3. Evaluation of Changes to Provisions/Program Ownership Policies Cars (PPM) for Directors.

4. Complete the Revision of the Remuneration Committee Work Guidelines and Nominated

5. Visit to Kanca Balikpapan with the Commissioners

Directors Succession Policy

The succession policy of the BRI Agro Directors refers to SOE Ministerial Regulation No. PER-03/MBU/02/2015 concerning Requirements, Procedures for Appointment and Dismissal of Members of the Directors of State-Owned Enterprises.

The procedures for the succession of the Directors carried out by the Bank are as follows:1. The Remuneration and Nomination Committee identifies

candidates who meet the criteria;2. The Board of Commissioners on the basis of a suggestion from

the Remuneration and Nomination Committee submits a candidate proposal to the Shareholders;

3. At the GMS the appointment and determination of the succession of the Directors are carried out

4. Approved candidates are submitted to the FSA for fit and proper test and give approval from prospective Bank management






Komite Pemantau Risiko membantu Dewan Komisaris melaksanakan fungsi dan tugas Dewan Komisaris dalam penerapan prinsip-prinsip Good Corporate Governance khususnya yang berkaitan dengan bidang manajemen risiko.

Ketentuan Eksternal1. POJK No.18/POJK.03/2016 Penerapan Manajemen Risiko Bagi

Bank Umum2. POJK No.38/POJK.03/2016 tentang Penerapan Manajemen

Risiko dan Penggunaan Teknologi Informasi oleh Bank Umum

3. POJK No.55/POJK.03/2016 tentang Penerapan Tata Kelola Bank Umum

4. POJK No. 46/POJK.03/2017 tentang Pelaksanaan Fungsi Kepatuhan Bank Umum

5. POJK Lainnya yang memiliki kaitan dengan dengan tugas dan kewenangan Komite Pemantau Risiko

Ketentuan Internal1. Anggaran Dasar BRI Agro terakhir yang dituangkan dalam Akta

Pernyataan Keputusan Rapat No. 23 tanggal 08 Mei 2019, Notaris M. Nova Faisal, S.H., M.Kn,. Perubahan ini telah disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dan terdaftar pada Keputusan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia Nomor AHU-0024948.AH.01.02.Tahun 2019 tanggal 10 Mei 2019.

2. Pedoman Kerja Dewan Komisaris yang telah direvisi sesuai dengan Risalah Rapat Dewan Komisaris No. No.30/SDK/XII/2019 tanggal 9 Desember 2019 tentang Review Pedoman Kerja Dewan Komisaris, Komite Dewan Komisaris dan Sekretaris Dewan Komisaris, dan dituangkan dengan Surat Keputusan Dewan Komisaris No Kpts B.02/KOM/SKP/12/2019 tanggal 18 Desember 2019 tentang Pedoman dan Tata Kerja Dewan Komisaris, Komite Audit, Komite Remunerasi dan Nominasi, Komite Pemantau Risiko dan Sekretaris Dewan Komisaris

3. Pedoman Kerja Komite Pemantau Risiko yang telah direvisi sesuai dengan Risalah Rapat Dewan Komisaris No. No.30/SDK/XII/2019 tanggal 9 Desember 2019 tentang Review Pedoman Kerja Dewan Komisaris, Komite Dewan Komisaris dan Sekretaris Dewan Komisaris, dan dituangkan dengan Surat Keputusan Dewan Komisaris No Kpts B.02/KOM/SKP/12/2019 tanggal 18 Desember 2019 tentang Pedoman dan Tata Kerja Dewan Komisaris, Komite Audit, Komite Remunerasi dan Nominasi, Komite Pemantau Risiko dan Sekretaris Dewan Komisaris

KOMITE PEMANTAU RISIKORISK MONITORING COMMITTEE

The Risk Monitoring Committee assists the Board of Commissioners in carrying out the functions and duties of the Board of Commissioners in applying the principles of Good Corporate Governance, especially those relating to the field of risk management.

External Provisions1. POJK No.18/POJK.03/2016 Implementation of Risk Management

for Commercial Banks2. POJK No.38/POJK.03/2016 concerning Application of Risk

Management and Use of Information Technology by Commercial Banks

3. POJK No.55/POJK.03/2016 concerning the Implementation of Commercial Bank Governance

4. POJK No. 46/POJK.03/2017 concerning the Implementation of Compliance Functions of Commercial Banks

5. Other POJK that are related to the duties and authorities of the Risk Monitoring Committee

Internal Provisions1. The latest Articles of Association of BRI Agro as outlined in the

Deed of Meeting Decree No. 23 dated ON May 8, 2019, Notary M. Nova Faisal, S.H., M.Kn ,. This amendment was approved by the Minister of Law and Human Rights of the Republic of Indonesia and registered with the Decree of the Minister of Law and Human Rights of the Republic of Indonesia Number AHU-0024948.AH.01.02.T 2019 dated on May 10, 2019.

2. The revised Working Guidelines for the Board of Commissioners in accordance with the Minutes of Meeting of the Board of Commissioners No. No.30/SDK/XII/2019 dated on December 9, 2019, concerning Review of Work Guidelines for the Board of Commissioners, Committees of the Board of Commissioners and Secretary of the Board of Commissioners, and set forth in Decree of the Board of Commissioners No. Kpts B.02/KOM/ SKP/12/2019 on December 18, 2019 concerning Guidelines and Working Procedures of the Board of Commissioners, Audit Committee, Remuneration and Nomination Committee, Risk Monitoring Committee and Secretary of the Board of Commissioners

3. Revised Risk Monitoring Committee Work Guidelines in accordance with Minutes of Board of Commissioners’ Meeting No. No.30/SDK/XII/ 2019 dated on December 9, 2019, concerning Review of Work Guidelines for the Board of Commissioners, Committees of the Board of Commissioners and Secretary of the Board of Commissioners, and set forth in Decree of the Board of Commissioners No. Kpts B.02/KOM/SKP/12/2019 on December 18, 2019 concerning Guidelines and Working Procedures of the Board of Commissioners, Audit Committee, Remuneration and Nomination Committee, Risk Monitoring Committee and Secretary of the Board of Commissioners






Pedoman Kerja/Piagam Komite Pemantau Risiko

Perseroan memiliki Pedoman Kerja Komite Pemantau Risiko yang secara terus-menerus disempurnakan dan diperbaharui sesuai dengan perkembangan/perubahan peraturan hukum yang berlaku serta kondisi terkini.

Pembaharuan/penyempurnaan atas Pedoman dan Tata Tertib Kerja Komite Pemantau Risiko BRI Agro terakhir dilakukan sebagaimana Risalah Rapat Dewan Komisaris No. No.30/SDK/XII/2019 tanggal 9 Desember 2019 tentang Review Pedoman Kerja Dewan Komisaris, Komite Dewan Komisaris dan Sekretaris Dewan Komisaris, dan dituangkan dengan Surat Keputusan Dewan Komisaris No Kpts B.02/KOM/SKP/12/2019 tanggal 18 Desember 2019 tentang Pedoman dan Tata Kerja Dewan Komisaris, Komite Audit, Komite Remunerasi dan Nominasi, Komite Pemantau Risiko dan Sekretaris Dewan Komisaris. Dalam ketentuan tersebut diatur mengenai (1) Dasar Hukum, (2) Tugas, Tanggung Jawab dan Kewenangan, (3) Organisasi, (4) Etika Kerja, (5) Waktu Kerja, (6) Rapat, (7) Korespondensi dan (8) Pelaporan.

Kriteria Anggota Komite Pemantau Risiko

Sesuai peraturan Bank Indonesia bahwa persyaratan untuk menjadi anggota Komite Pemantau Risiko harus dari pihak independen dengan tujuan agar dapat bersifat objektif dalam setiap pelaksanaan tugas dan tanggung jawab yang di embannya. Selain itu anggota Komite Pemantau riisko tidak dipekenankan untuk menjabat menjadi anggota komite lainnya.

Pedoman Komite Pemantau Risiko juga menyebutkan mengenai persyaratan keanggotaan antara lain:1. Anggota Komite wajib memiliki integritas, akhlak, dan moral

yang baik2. Wajib memiliki kemampuan, pengetahuan, pengalaman

sesuai dengan pekerjaannya serta mampu berkomunikasi dengan baik

3. Bersedia meningkatkan kompetensi secara terus-menerus melalui pendidikan dan pelatihan

4. Anggota Direksi dilarang menjadi anggota Komite


Masa jabatan bagi Komite Pemantau Risiko paling lama adalah 2 (dua) tahun dan dapat diperpanjang kembali hanya untuk 1 (satu) periode berikutnya dengan memperhatikan masa kerja Dewan Komisaris dan peraturan pekerja kontrak yang berlaku di Perseroan, dengan tidak menutup kemungkinan diberhentikan oleh Dewan Komisaris sebelum jangka waktu kontrak berakhir.

Work Guidelines/Charter of the Risk Monitoring Committee

The Company has a Risk Monitoring Committee Work Guidelines that are continuously being refined and updated in accordance with developments/changes in applicable legal regulations and the latest conditions.

Updated/refinement of the latest BRI Agro Risk Monitoring Committee Charter is conducted in accordance with the Minutes of Board of Commissioners’ Meeting No. No.30/SDK/XII/2019 dated on December 9, 2019, concerning Review of Work Guidelines for the Board of Commissioners, Committees of the Board of Commissioners and Secretary of the Board of Commissioners, and set forth in the Decree of the Board of Commissioners No. Kpts B.02/KOM/SKP/12/2019 on December 18, 2019 concerning the Guidelines and Working Procedures of the Board of Commissioners, the Audit Committee, the Remuneration and Nomination Committee, the Risk Monitoring Committee and the Secretary of the Board of Commissioners. The provisions regulate (1) Legal Basis, (2) Duties, Responsibilities and Authority, (3) Organization, (4) Work Ethics, (5) Working Time, (6) Meetings, (7) Correspondence and (8) ) Reporting.

Criteria of Risk Monitoring Committee Members

In accordance with Bank Indonesia regulations that the requirements to become a member of the Risk Monitoring Committee must be from an independent party with the aim of being objective in every implementation of the duties and responsibilities it carries. In addition, Riisko Monitoring Committee members are not allowed to serve as members of other committees.

The Risk Monitoring Committee Guidelines also state membership requirements, including:1. Committee members must have integrity, character and good

morals2. Must have the ability, knowledge, experience in accordance

with their work and be able to communicate well

3. Be willing to increase competence continuously through education and training

4. Members of the Board of Directors are prohibited from becoming members of the Committee


The maximum term of office for the Risk Monitoring Committee is 2 (two) years and can be extended again only for the next 1 (one) period by taking into account the Board of Commissioners’ tenure and contract worker regulations in force in the Company, without prejudice to the possibility of being terminated by the Board of Commissioners before the term of the contract expires.






Susunan, Jumlah, Komposisi dan Dasar Pengangkatan Komite Pemantau RisikoKeanggotan Komite Pemantau Risiko1. Anggota Komite paling kurang terdiri dari 3 (tiga) orang,

salah satu diantaranya adalah Komisaris Independen yang akan bertindak sebagai Ketua Komite.

2. Komite beranggotakan paling sedikit:a) 1 (satu) orang Komisaris Independenb) 1 (satu) orang Pihak Independen yang memiliki keahlian

di bidang keuangan dengan pengalaman kerja minimal 5 (lima) tahun

c) 1 (satu) orang Pihak Independen yang memiliki keahlian di bidang manajemen risiko dengan pengalaman kerja minimal 2 (dua) tahun

3. Komite diketuai oleh Komisaris Independen merangkap sebagai anggota.

4. Ketua Komite dilarang merangkap jabatan sebagai ketua komite lebih dari 1 (satu) pada komite lain.

5. Komisaris Independen dan Pihak Independen yang menjadi anggota Komite paling sedikit berjumlah 51% (lima puluh satu persen) dari jumlah anggota KPR.

6. Semua anggota Komite dipilih oleh Dewan Komisaris melalui mekanisme perekrutan dan seleksi.

7. Persyaratan keanggotaan:- Anggota Komite wajib memiliki integritas, akhlak dan

moral yang baik- Wajib memiliki kemampuan, pengetahuan, pengalaman sesuai

dengan pekerjaannya serta mampu berkomunikasi dengan baik- Bersedia meningkatkan kompetensi secara terus-menerus

melalui pendidikan dan pelatihan- Anggota Direksi dilarang menjadi anggota Komite

Susunan Anggota Komite Pemantau Risiko per 31 Desember 2019 berdasarkan Surat Keputusan Direksi No. Kpts. R.24/Dir.02.04/SDM/04/2019 tanggal 29 April 2019 dan diperbaharui melalui Surat Keputusan Direksi No. Kpts.06/Dir.01.02/SDM/07/2019 tanggal 10 Juli 2019.

NamaName

JabatanPosition


KeahlianExpertise


Anna Maria Tjiadarma KetuaChaiman

Plt. Komisaris Utama/ Komisaris IndependenActing (ACT) President Commissioner/Independent Commissioner


15 April 2019 - 2021April 15, 2019 - 2021

I.B.K. Suamba Manuaba *) Anggota KomisarisCommissioner

Perbankan/Keuangan dan HukumBanking/Financing and Law

27 Juni 2019June 27, 2019

Sihar Moreno Hutabarat AnggotaMember



15 April 2019April 15, 2019

Chicca Kartika Sari AnggotaMember


Perbankan/Keuangan dan Manajemen RisikoBanking/Financing and Risk Management

15 April 2019April 15, 2019


Structure, Total, Composition and Basis of Appointment of the Risk Monitoring CommitteeMembership of the Risk Monitoring Committee1. Committee members consist of at least 3 (three) people, one

of whom is an Independent Commissioner who will act as Chair of the Committee.

2. The Committee consists of at least:a) 1 (one) Independent Commissionerb) 1 (one) Independent Party who has expertise in finance

with a minimum of 5 (five) years work experience

c) 1 (one) Independent Party who has expertise in the field of risk management with work experience of at least 2 (two) years

3. The Committee is chaired by an Independent Commissioner and concurrently a member.

4. The Chairperson of the Committee is prohibited from holding concurrent positions as chair of more than 1 (one) committee on another committee.

5. Independent Commissioners and Independent Parties who are members of the Committee at least 51% (fifty one percent) of the total number of KPR members.

6. All Committee members are elected by the Board of Commissioners through a recruitment and selection mechanism.

7. Membership requirements:- Committee members must have integrity, character and

good morals- Must have the ability, knowledge, experience in accordance

with their work and able to communicate well- Willing to increase competence continuously through

education and training- Members of the Board of Directors are prohibited from

becoming members of the Committee

Composition of Risk Monitoring Committee Members as of December 31, 2019 based on Directors Decree No. Kpts. Q.24/Dir.02.04/SDM/04/2019 dated in April 29, 2019 and is renewed through Directors Decree No. Kpts.06/Dir.01.02/SDM/07/2019 dated July 10, 2019.







Profil Komite Pemantau Risiko

Profil Anna Maria Tjiadarma dan A.Y. Soepadmo dapat dilihat pada bab Profil Perusahaan dalam buku Laporan Tahunan ini

Profile of Risk Monitoring Committee

Profile of Anna Maria Tjiadarma and A.Y. Soepadmo can be seen in the chapter of Company Profile in this Annual Report

Sihar Moreno Hutabarat

Anggota Komite Pemantau RisikoMember of Risk Monitoring Committee

UsiaAge



Indonesia

DomisiliDomicile

Jakarta

Riwayat PendidikanEducation background

· Sarjana Ekonomi Manajemen Unika Parahyangan Bandung (1986)· Magister Manajemen Keuangan Universitas Airlangga Surabaya (2000)

· Bachelor of Economic Management in Parahyangan Unika Bandung (1986) · Masters in Financial Management Airlangga University Surabaya (2000)


· 2014 Inspektur (Kepala Audit Intern Wilayah) Jakarta 3 BSD· 2012-2014 Wakil Pemimpin Wilayah BRI Surabaya· 2011-2012 Wakil Pemimpin Wilayah BRI Semarang· 2009-2011 Wakil Pemimpin Wilayah BRI Denpasar· 2008-2009 Pemimpin Cabang BRI Gresik

· 2014 Inspector (Head of Regional Internal Audit) Jakarta 3 BSD· 2012-2014 Deputy Leader of BRI Surabaya Region· 2011-2012 Deputy Region Leader of BRI Semarang· 2009-2011 Deputy Chief of BRI Denpasar Region· 2008-2009 BRI Branch Manager Gresik


Tidak AdaNone


• Surat Keputusan Direksi No. Kpts. R.24/Dir.02.04/SDM/04/2019 tanggal 29 April 2019

• Decree of the Board of Directors No. Kpts. Q.24/Dir.02.04/SDM/04/2019 dated in April 29, 2019






Independensi Anggota Komite Pemantau Risiko

Seluruh anggota Komite Pemantau Risiko yang berasal dari pihak independen tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan Dewan Komisaris, Direksi dan/atau Pemegang Saham Pengendali atau hubungan dengan bank, yang dapat mempengaruhi kemampuannya bertindak independen.



Ahdi Jumhari Luddin *)

A.Y. Soepadmo

Sihar Moreno

Hutabarat

Chicca Kartika Sari


√ √ √ √ √


√ √ √ √ √

Independence of Risk Monitoring Committee Members

All members of the Risk Monitoring Committee who come from independent parties do not have financial, management, share ownership and/or family relations with the Board of Commissioners, Directors and/or Controlling Shareholders or relationships with banks, which can affect their ability to act independently.

Chicca Kartika Sari

Anggota Komite Pemantau RisikoMember of Risk Monitoring Committee

UsiaAge



Indonesia

DomisiliDomicile

Jakarta

Riwayat PendidikanEducation background

· Sarjana Ekonomi Universitas Padjadjaran Bandung (2000)· Bachelor of Economics in Padjadjaran University Bandung (2000)


· 2016 - 2018 PT Bank DKI sebagai Anggota Komite Pemantau Risiko· 2007 - 2016 PT Bank Danamon Indonesia Tbk Unit Usaha Syariah sebagai

Assistant Manager dan Assistant Vice President· 2002-2007 Memulai karir sebagai ODP PT Bank Mandiri (Persero) Tbk dan

menempati berbagai jabatan di bidang Operasional

· 2016 - 2018 PT Bank DKI as a Member of the Risk Monitoring Committee· 2007 - 2016 PT Bank Danamon Indonesia Tbk Syariah Business Unit as

Assistant Manager and Assistant Vice President· 2002-2007 Started his career as an ODP of PT Bank Mandiri (Persero) Tbk

and held various positions in the Operations field


Tidak AdaNone


• Surat Keputusan Direksi No. Kpts. R.24/Dir.02.04/SDM/04/2019 tanggal 29 April 2019

• Decree of the Board of Directors No. Kpts. Q.24/Dir.02.04 / SDM/04/2019 dated on April 29, 2019








Ahdi Jumhari Luddin *)

A.Y. Soepadmo

Sihar Moreno

Hutabarat

Chicca Kartika Sari


√ √ √ √ √

Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama anggota Komite Nominasi, Remunerasi dan GCGHas no any family relations with the Board of Commissioners, Directors, and/or fellow members of the Nomination, Remuneration and GCG Committee

√ √ √ √ √


√ √ √ √ √

*) Mengundurkan diri 28 November 2019


Komite bertugas untuk membantu Dewan Komisaris dalam melaksanakan tugas pengawasan terhadap risk and control system yang mencakup :1. Melakukan pemantauan dan evaluasi kesesuaian antara

manajemen risiko dengan pelaksanaan kebijakan Bank.2. Melakukan pemantauan dan evaluasi pelaksanaan tugas

komite manajemen risiko dan satuan kerja manajemen risiko.3. Melakukan review pelaksanaan manajemen risiko yang terdiri

dari laporan profil risiko, laporan tingkat kesehatan Bank dan laporan terkait pengelolaan jenis risiko.

4. Memantau kecukupan proses identifikasi, pengukuran, pemantauan, pengendalian dan sistem informasi manajemen risiko.

5. Menyampaikan laporan atas kegiatan Komite Pemantau Risiko kepada Dewan Komisaris termasuk laporan yang akan disajikan dalam Laporan Tahunan Bank serta laporan atas penugasan yang diberikan oleh Dewan Komisaris.

6. Memberikan masukan kepada Dewan Komisaris atas hal-hal yang perlu mendapat perhatian terkait penerapan manajemen risiko.

Wewenang Komite Pemantau Risiko

Komite Pemantau Risiko dalam lingkup tanggung jawabnya mempunyai kewenangan untuk dapat: 1. Mengakses/memperoleh informasi yang relevan berkaitan

dengan pelaksanaan tugasnya dari pihak internal maupun eksternal Perseroan.

2. Memberikan pendapat dan rekomendasi kepada Dewan Komisaris dalam rangka meningkatkan efektivitas pengelolaan risiko Perseroan

*) Resigned on November 28, 2019


The committee is tasked with assisting the Board of Commissioners in carrying out its supervisory duties on the risk and control system which includes:1. Monitoring and evaluating the suitability between risk

management and the implementation of Bank policies.2. Monitoring and evaluating the implementation of the duties of the

risk management committee and the risk management work unit.3. Reviewing the implementation of risk management, which

consists of risk profile reports, reports on the Bank’s soundness level and reports related to the management of risk types.

4. Monitoring the adequacy of the process of identification, measurement, monitoring, control and risk management information systems.

5. Submitting reports on the activities of the Risk Monitoring Committee to the Board of Commissioners, including reports that will be presented in the Annual Report of the Bank and reports on assignments given by the Board of Commissioners.

6. Providing input to the Board of Commissioners on matters that need attention regarding the application of risk management.

Authorities of Risk Monitoring Committee

The Risk Monitoring Committee in the scope of its responsibilities has the authority to be able to:1. Accessing/obtaining relevant information relating to the

implementation of their duties from internal and external parties of the Company.

2. Providing opinions and recommendations to the Board of Commissioners in order to improve the effectiveness of the Company’s risk management






3. Memberikan pendapat dan rekomendasi kepada Dewan Komisaris dalam rangka meningkatkan kualitas pelaksanaan fungsi Kepatuhan Perseroan.

4. Melakukan koordinasi dengan komite lain, Direksi dan unit kerja lain untuk menggali informasi lebih dalam.

5. Melakukan kewenangan lain yang diberikan oleh Dewan Komisaris

Rapat Komite Pemantau Risiko

Rapat Komite Pemantau Risiko dapat dilaksanakan dalam hal dihadiri oleh paling sedikit 51% dari jumlah anggota Komite termasuk satu orang Komisaris Independen dan satu orang pihak independen.

Selama tahun 2019, Rapat Komite Pemantau Risiko dilaksanakan sbb:

TanggalDate Agenda

KehadiranAttendance


Ahdi Jumhari Luddin*

I.B.K. Suamba

Manuaba **

Sihar Moreno

Hurabarat

Chicca Kartika

Sari

15-May-19 Profil Risiko dan Kegiatan Audit Triwulan 1 tahun 2019 Risk Profile and Audit Activities for Quarter 1 of 2019

1 - - 1 1

19-Aug-19 Profil Risiko dan Kegiatan Audit Triwulan 2 Tahun 2019 Risk Profile and Audit Activities for Quarter 2 of 2019

1 - 1 1 1

06-Nov-19 Profil Risiko dan Kegiatan Audit Triwulan 3 Tahun 2019 Risk Profile and Audit Activities for Quarter 3 of 2019

1 - - 1 1

Total


3 2 1 3 3


3 0 1 3 3


100% 0% 100% 100% 100%

* Efektif per tanggal 24 Mei 2019, Sdr. Ahdi Jumhari Luddin dinyatakan lulus fit

and proper test OJK sebagai Komisaris Utama BRI Agro. Dan per tanggal 28

November 2019, ybs mengundurkan diri dari jabatannya

** Efektif setelah dinyatakan lulus fit and proper test OJK

Kebijakan dan Besaran Remunerasi Bagi Komite Pemantau Risiko

Remunerasi Komite Pemantau Risiko yang berasal dari pihak independen non komisaris ada di halaman 461 yang digabung dengan Komite-Komite lainnya.

3. Providing opinions and recommendations to the Board of Commissioners in order to improve the quality of the implementation of the Company’s Compliance function.

4. Coordinating with other committees, Directors, and other work units to dig deeper information.

5. Performing other authorities granted by the Board of Commissioners

Meeting of Risk Monitoring Committee

Risk Monitoring Committee meetings can be held in terms of attended by at least 51% of the Committee members including one Independent Commissioner and one party independent.

During 2019, a Risk Monitoring Committee Meeting was held as follows:

* Effective May 24, 2019, Ahdi Jumhari Luddin was declared to have passed the

FSA fit and proper test as BRI Agro’s President Commissioner. And as of November

28, 2019, he resigned from his position

** Effective after passing the FSA fit and proper test

Policies and Amount of Remuneration for the Risk Monitoring Committee

Remuneration of the Risk Monitoring Committee originating from independent non-commissioners is on page 461 which is combined with other Committees.






Pelaksanaan Tugas Komite Pemantau Risiko

Selama tahun 2019 Komite Pemantau Risiko telah melaksanakan seluruh program/Rencana Kerja yang ditetapkan pada awal tahun dalam rangka membantu pelaksanaan tugas Dewan Komisaris antara lain dengan melakukan pemantauan, penelaahan/review serta pemberian saran terhadap hal-hal yang terkait dengan fungsi dan tugas Komite Pemantau Risiko antara lain melalui pelaksanaan rapat internal KPR.

Rapat dan diskusi bersama divisi-divisi/unit-unit terkait serta penelaahan/evaluasi/review di luar forum rapat yang secara umum meliputi hal-hal sebagai berikut:1. Tingkat Kesehatan Bank per semester dan Profil Risiko per

Triwulan.2. Kebijakan Umum dan Strategi manajemen Risiko Bank, termasuk

Pedoman perusahaan Sistem Pengendalian Intern.3. Penelaahan Laporan Kepatuhan dari Direktur Kepatuhan.

4. Pemantauan/monitoring penerapan Manajemen Risiko.5. Rencana kerja atau pelaksanaan tugas Satuan Kerja Manajemen

Risiko, Komite Manajemen Risiko.6. Penetapan Kebijakan Kewajiban Penyediaan Modal Minimum

(KPPM).7. Rencana Bisnis Bank

Kebijakan dan Besaran Remunerasi Bagi Komite Audit, Komite Remunerasi dan Nominasi, Komite Pemantau Risiko

No NamaName

Gaji (Rp)Salary

THRK (Rp)Holiday

Allowance

Bonus Tahun Buku 2018 (Rp)Bonuses Fiscal

Year 2018

Tunjangan Perumahan

(Rp)Housing

Allowance

Tunjangan Transportasi

(Rp)Transportation

Allowance

Premi Ass Purjab (Rp)Premium of Ass Purjab


(Rp)Communi-

cation Allowance

ORGAN KOMISARIS/ORGAN COMMISSIONERS

1 Retno Surdini √ √ √ − − − −

2 Moreno Hutabarat

√ √ √ − − − −

3 Nusyirwan √ − − − − − −

4 Agus Daniar √ √ √ − − − −

5 Dolly Mindaryanto

√ − − − − − −

6 Antonius Suryanta

√ √ − − − −

7 Chicca Kartika Sari √ √ − − − − −

Total 1.155.000.000 106.350.000 54.000.000 -

Duties Implementation of Risk Monitoring Committee

During 2019 the Risk Monitoring Committee has implemented all programs/Work Plans established at the beginning of the year in order to assist the implementation of the duties of the Board of Commissioners, among others by monitoring, reviewing and providing advice on matters related to the functions and duties of the Risk Monitoring Committee. among others through the implementation of internal KPR meetings.

Meetings and discussions with related divisions/units and review/evaluation/review outside the meeting forum which generally covers the following matters:1. Bank Soundness per semester and Risk Profile per Quarter.

2. General Policies and Strategies of the Bank’s risk management, including the company’s Internal Control System Guidelines.

3. Reviewing of the Compliance Report from the Compliance Director.

4. Monitoring of the application of Risk Management.5. Work plan or implementation of the tasks of the Risk Management

Work Unit, Risk Management Committee.6. Establishing Risk Tolerance and Minimum Capital Requirement

(KPPM) Policies.7. Bank Business Plan

Policy and Amount of Remuneration for Audit Committee, Remuneration and Nomination Committee, and Risk Monitoring Committee






BRI Agro memiliki 6 (enam) Komite di bawah Direksi yang dibentuk untuk mendukung pelaksanaan tugas dan tanggung jawab Direksi sesuai dengan Peraturan Otoritas Jasa Keuangan yaitu:

1. Komite Manajemen Risiko; 2. Komite Kredit 3. Komite ALCO; 4. Komite Pengarah Sistem Teknologi Informasi; 5. Komite Kebijakan Perkreditan; 6. Komite Kebijakan Kredit dan Pengembangan Produk.

KOMITE DI BAWAH DIREKSICOMMITTEE UNDER THE DIRECTORS

BRI Agro has 6 (six) Committees under the Directors formed to support the implementation of the duties and responsibilities of the Directors in accordance with the Financial Services Authority Regulations, namely:1. Risk Management Committee;2. Credit Committee;3. ALCO Committee;4. Information Technology System Steering Committee;5. Credit Policy Committee;6. Credit Policy and Product Development Committee.

Main Function

The Risk Management Committee was formed in accordance with Directors Decree No. B. 14A/Dir.01.02/KMRH/09/2016 dated on September 9, 2016, concerning the Risk Management Committee.

Membership Structure

KOMITE MANAJEMEN RISIKORISK MONITORING COMMITTEE

Fungsi Pokok

Komite Manajemen Risiko dibentuk sesuai dengan Keputusan Direksi No. B. 14A/Dir.01.02/KMRH/09/2016 tanggal 09 September 2016 perihal Komite Manajemen Risiko (Risk Management Committee).

Struktur Keanggotaan

Susunan Komite Manajemen Risiko Structure of Risk Management Committee

KetuaHead

Direktur KepatuhanDirector of Compliance

Wakil KetuaDeputy Head

Direktur Operasional dan Keuangan Director of Operating and Financing

SekretarisSecretary

Kepala Divisi KMRHHead of KMRH Division

Anggota TetapPermanent Member

- Direktur Pendanaan dan PRK- Direktur Bisnis- Kepala SKAI- Kepala Divisi Bisnis Menengah Satu- Kepala Divisi Bisnis Menengah Dua- Kepala Divisi Bisnis Ritel dan Kemitraan- Kepala Divisi Funding & Transaction Banking

- Director of Funding and PRK- Business Director- Head of SKAI- Head of Medium Business Division- Head of Secondary Business Division- Head of Retail and Partnership Business Division- Head of Funding & Transaction Banking Division






Susunan Komite Manajemen Risiko Structure of Risk Management Committee

Anggota Tidak TetapNon-Permanent Member

- Kepala Divisi MSDM- Kepala Divisi Pengendalian Risiko Kredit.- Kepala Desk Treasury- Kepala Divisi Change Management.- Kepala Divisi Sekretariat Perusahaan.- Kepala Divisi Operasional

- Head of HRM Division- Head of Credit Risk Control Division.- Head of Treasury Desk- Head of Change Management Division.- Head of the Corporate Secretariat Division.- Head of Operations Division


1. Memberikan rekomendasi kepada Direktur Utama dalam menyusun Kebijakan Umum Manajemen Risiko serta perubahannya jika diperlukan dan mengusulkan kepada Komisaris dan Direksi untuk mendapatkan persetujuan.

2. Memberikan rekomendasi kepada Direktur Utama dalam menyusun Strategi Manajemen Risiko termasuk penetapan limit serta menyusun pedoman pelaksanaan Manajemen Risiko terkait contingency plan apabila kondisi eksternal tidak normal kembali.

3. Perbaikan atau penyempurnaan pelaksanaan Manajemen Risiko yang dilakukan secara berkala maupun bersifat insidentil sebagai akibat dari suatu perubahan kondisi eksternal dan internal Perseroan yang akan mempengaruhi kecukupan permodalan dan profil risiko Perseroan dan berdasarkan hasil evaluasi terhadap efektivitas pelaksanaan Manajemen Risiko dimaksud.

4. Memantau, mengevaluasi dan menilai hal-hal sebagai berikut: - Perkembangan komposisi profil risiko dalam portofolio

Perseroan - Pelaksanaan penetapan dan pelaksanaan limit - Kecukupan permodalan Perseroan terhadap risk exposure

sesuai dengan ketentuan bank Indonesia - Efektivitas pelaksanaan Sistem Manajemen Risiko

5. Mengkaji proposal mengenai aktivitas/produk baru dari sisi risiko serta mengkaji perubahan sistem dan prosedur kerja, kemudian merekomendasikan kepada Direksi untuk mendapat persetujuan.

6. Penetapan hal-hal yang terkait dengan keputusan bisnis yang menyimpang dari prosedur normal (irregularities), antara lain pelampauan ekspansi usaha yang signifikan dibandingkan rencana bisnis Perseroan dan pengambilan posisi/eksposur risiko yang menyimpang dari limit yang ditetapkan.


1. Provideing recommendations to the President Director in preparing the General Risk Management Policy and changes if necessary and proposing to the Commissioners and Directors for approval.

2. Providing recommendations to the President Director in preparing the Risk Management Strategy including setting limits and preparing guidelines for implementing Risk Management related to contingency plans if external conditions are not normal again.

3. Repairng or improvements in the implementation of Risk Management which are carried out periodically or incidentally as a result of changes in the external and internal conditions of the Company that will affect the adequacy of the Company’s capital and risk profile and based on the results of evaluations on the effectiveness of the implementation of the said Risk Management.

4. Monitoring, evaluating, and assessing the following matters:- Development of risk profile composition in the Company’s

portfolio-· Implementation of setting and implementing limits- The Company’s capital adequacy for risk exposure is in

accordance with Bank Indonesia regulations- Effectiveness of the implementation of the Risk Management

System5. Reviewing proposals regarding new activities/products in

terms of risk and review changes in systems and work procedures, then recommend to the Directors for approval.

6. Determination of matters related to business decisions that deviate from normal procedures (irregularities), including exceeding significant business expansion compared to the Company’s business plan and taking positions/risk exposures that deviate from the specified limit.






Rapat

RapatTriwulanan ke

Quarter Meeting of

TanggalDate Agenda Kehadiran

Attendance

1 22 April 2019April 22, 2019

Pembahasan Profil Risiko Bank Triwulan I

Discussion of Quarter I Bank Risk Profile

1. Direktur Kepatuhan (Ketua Komite)2. Direktur Operasional3. Direktur Bisnis4. Direktur PRK & Pendanaan5. Kepala Divisi KRH (Sekretaris)6. Kepala SKAI7. Kepala Divisi Bisnis Menengah Satu8. Kepala Divisi Bisnis Menengah Dua9. Kepala Divisi Bisnis Ritel dan Kemitraan10. Kepala Divisi Funding & Transaction11. Kepala Divisi MSDM12. Kepala Divisi Pengendalian Risiko Kredit13. Kepala Desk Treasury14. Kepala Divisi Change Management15. Kepala Divisi Sekretariat Perusahaan16. Kepala Divisi Operasional

1. Compliance Director (Committee Chair)2. Operations Director3. Business Director4. Director of PRK & Funding5. Head of KRH Division (Secretary)6. Head of SKAI7. Head of Medium Business Division8. Head of Secondary Business Division Two9. Head of Retail and Partnership Business Division10. Head of Funding & Transaction Division11. Head of HRM Division12. Head of Credit Risk Control Division13. Head of the Treasury Desk14. Head of Change Management Division15. Head of Corporate Secretariat Division16. Head of Operations Division

2 16 Juli 2019July 16, 2019

Pembahasan Tingkat Kesehatan Bank & Profil Risiko Triwulan II 2019

Discussion on Bank Soundness & Quarterly Risk Profile 2019


Meeting






RapatTriwulanan ke

Quarter Meeting of


Attendance


3 17 Oktober 2019October 17, 2019

Pembahasan Profil Risiko Bank Triwulan II

Discussion of Quarter II Bank Risk Profile








Realisasi Program Kerja Tahun 2019

1. Review Kebijakan Strategi Anti Fraud2. Review Kebijakan Loss Database Management (LDM)3. Review Kebijakan Umum Manajemen Risiko (KUMR)4. Review Aplikasi RCSA dan kebijakan internal terkait temuan

Auditor Internal & Ekternal5. Pembuatan Risk Profile Cabang Online (on progress)6. Pembuatan sistem kredit skoring Multiguna, Agro Griya, Agro

Mobil berdasarkan web base (on progress)7. Pembuatan sistem kredit skoring kredit pensiun & kredit

produktif berdasarkan web base (on progress)

Program Kerja Tahun 2020

1. Review terhadap Kebijakan Strategi Anti Fraud 2. Pelaksanaan Stress Test Likuiditas3. Review terhadap ketentuan Limit Transaksi Dealer4. Pelaksanaan Simulasi Contingency Funding Plan (CFP)5. Review terhadap Kebijakan Pedoman Penerapan Manajemen

Risiko untuk Risiko Likuiditas6. Review terhadap Kebijakan Pedoman Stress Test7. Uji Coba Perencanaan Pendanaan Darurat dan

mendokumentasikannya8. Pemantauan indikator (alert triggers) dalam CFP dan disampaikan

dalam rapat ALCO9. Review Kebijakan Pedoman Penilaian Tingkat Kesehatan bank

Berbasis Risiko (Risk Based Bank Rating)10. Sistemasi Pelaporan LCR dan NSFR11. Menyampaikan BRS untuk sistemasi Pelaporan IRRBB12. Sosialisasi dan Monbin Kebijakan Strategi Anti Fraud, Business

Continuity Management (BCM), Manajemen Insiden, dan RCSA.

Realisation of the Work Program in 2019

1. Reviewing the Anti Fraud Strategy Policy2. Reviewing of Loss Database Management (LDM) Policy3. Reviewing the General Risk Management Policy (KUMR)4. Reviewing the RCSA Application and internal policies related

to the findings of Internal & External Auditors5. Making Online Branch Risk Profile (on progress)6. Creation of a multipurpose credit system, Agro Griya, Agro

Mobil based on web base (on progress)7. Making a credit scoring system for pension & productive loans

based on a web base (on progress)

Work Programs in 2020

1. Reviewing of the Anti Fraud Strategy Policy2. Implementation of a Liquidity Stress Test3. Reviewing the terms of the Dealer Transaction Limit4. Implementation of Contingency Funding Plan (CFP) Simulation5. Reviewing the Policy Guidelines for Implementing Risk

Management for Liquidity Risk6. Reviewing the Stress Test Guidelines Policy7. Trial of Emergency Funding Planning and document it.

8. Monitoring indicators (alert triggers) in the CFP and delivered at the ALCO meeting

9. Reviewing of Risk Based Bank Rating Policy Guidelines

10. LCR and NSFR Reporting System11. Submitting BRS for the IRRBB Reporting system12. Dissemination and Monitoring of Anti Fraud Strategy Policies,

Business Continuity Management (BCM), Incident Management, and RCSA.






Fungsi Pokok

Komite Kredit dibentuk sesuai dengan Keputusan Direksi nomor B.14A/Dir.01.05/DCM/04/2018 tanggal 23 April 2018 perihal Komite Kredit PT Bank Rakyat Indonesia Agroniaga, Tbk.

Komite Kredit berdasarkan keanggotaan dan kewenangan: a. Komite Kredit Utama b. Komite Kredit I c. Komite Kredit II d. Komite Kredit III e. Komite Kredit IV


Susunan Komite Kredit UtamaStructure of Main Credit Committee

AnggotaMember

- Direktur Utama - Direktur Bisnis - Direktur Pengendali Risiko Kredit & Pendanaan - Direktur Operasional dan Keuangan

- President Director- Business Director- Director of Credit Risk Control & Funding- Director of Operations and Finance

Susunan Komite Kredit IStructure of Committee Credit I

AnggotaMember

- Direktur Utama- Direktur Bisnis - Direktur Pengendali Risiko Kredit & Pendanaan

- President Director- Business Director- Director of Credit Risk Control & Funding

Susunan Komite Kredit IIStructure of Committee Credit II

AnggotaMember

- Direktur Bisnis - Direktur Pengendali Risiko Kredit & Pendanaan

- Business Director- Director of Credit Risk Control & Funding

KOMITE KREDITCREDIT COMMITTEE

Main Function

Credit Committee was formed in accordance with Directors’ Decree number B.14A/Dir.01.05/DCM/04/2018 dated on April 23, 2018 concerning the Credit Committee of PT Bank Rakyat Indonesia Agroniaga, Tbk.

Credit Committee based on membership and authority:a. Main Credit Committeeb. Credit Committee Ic. Credit Committee IId. Credit Committee IIIe. Credit Committee IV







Susunan Komite Kredit IIIStructure of Committee Credit III

AnggotaMember

- Kepala Divisi Pengendali Risiko Kredit - Kepala/Wakil Kepala Divisi Ritel & Konsumer - Kepala Divisi Bisnis Umum/Agro *)

- Head of Credit Risk Control Division- Head/Deputy Head of Retail & Consumer Division- Head of General / Agro Business Division *)

Susunan Komite Kredit IVStructure of Committee Credit IV

AnggotaMember

- Kepala Divisi Pengendali Risiko Kredit - Kepala/Wakil Kepala Divisi Ritel & konsumer

- Head of Credit Risk Control Division- Head/Deputy Head of Retail & Consumer Division

* sesuai dengan segmentasi bisnis yang akan diputus.


1. Tugas Komite Kredit: a. Memberikan Persetujuan atau penolakan kredit sesuai

dengan batas wewenang yang ditetapkan oleh Direksi. b. Melakukan koodinasi dengan Assets and Liabilities Committee

(ALCO) dalam aspek pendanaan untuk kredit dengan jumlah tertentu yang ditetapkan oleh ALCO.

2. Tanggung Jawab Komite Kredit: a. Melaksanakan tugas dalam pemberian putusan kredit

berdasarkan kemahiran profesional secara jujur, objektif, cermat dan seksama.

b. Menolak permintaan dan atau pengaruh pihak-pihak yang berkepentingan untuk memberikan persetujuan kredit yang hanya bersifat formalitas.

c. Membubuhkan tanda tangan pada formulir Putusan Kredit sebagai bukti pemberian Putusan Kredit sebagai wujud tanggung jawab Komite Kredit. Oleh karena itu, sebelum membubuhkan tanda tangan, Komite Kredit harus : 1) Memastikan bahwa setiap kredit yang diberikan telah

memenuhi ketentuan perbankan dan sesuai asas-asas perkreditan yang sehat.

2) Memastikan bahwa pelaksanaan pemberian kredit telah sesuai dengan KUP-BRI Agro, PPK Bisnis dan Kententuan yang berlaku di BRI Agro serta perkreditan lainnya.

3) Memastikan bahwa pemberian kredit telah didasarkan pada penilian yang jujur, objektif, cermat dan seksama serta terlepas dari pengaruh pihak-pihak yang berkepentingan dengan pemohon kredit.

* according to the business segmentation that will be disconnected.


1. Duties of the Credit Committee:a. Giving approval or rejection of credit in accordance with

the authority limits set by the Directors.b. Coordinating with the Assets and Liabilities Committee

(ALCO) in the aspect of funding for loans with a certain amount determined by ALCO.

2. Credit Committee Responsibilities:a. Carrying out tasks in granting credit decisions based on

professional skills honestly, objectively, carefully and thoroughly.

b. Refusing the request and or influence of the parties concerned to give credit approval which is only a formality.

c. Putting a signature on the Credit Decision form as evidence of the granting of the Credit Decision as a form of responsibility of the Credit Committee. Therefore, before signing, the Credit Committee must:1) Ensuring that each credit has fulfilled banking

requirements and is in accordance with sound credit principles.

2) Ensuring that the implementation of credit disbursement is in accordance with KUP-BRI Agro, PPK Bisnis and the Terms in force at BRI Agro and other lending.

3) Ensuring that the granting of credit has been based on an honest, objective, careful and thorough assessment and is independent of the influence of the parties concerned with the credit applicant.






Rapat

Melaksanakan Rapat Komite Kredit atas semua Pengajuan Kredit yang dijalanakan oleh divisi Bisnis sesuai dengan Kebijakan yang berlaku.

Realisasi Program Kerja 2019

Komite KreditCredit Committee


PembahasanDiscussion

Komite Kredit Utama

Main Credit Committee

103 Pengajuan kredit baru, perpanjangan, deplesi, perubahan syarat, restrukturisasi dan perubahan kualitas kredit.

Submission of new credit, extension, depletion, change of terms, restructuring and changes in credit quality.

Komite Kredit I

Credit Committee I

33 Pengajuan kredit baru, perpanjangan, suplesi, deplesi, perubahan syarat dan restrukturisasi kredit

Submission of new credit, extension, supletion, depletion, amendment to terms and credit restructuring

Komite Kredit II

Credit Committee II

32 Pengajuan kredit baru, perpanjangan, deplesi, perubahan syarat dan restrukturisasi kredit.

Submission of new credit, extension, depletion, amendment to terms and credit restructuring.

Komite Kredit III

Credit Committee III

35 Pengajuan kredit baru, perpanjangan, suplesi, deplesi, perubahan syarat dan restrukturisasi kredit.

Submission of new credit, extension, supletion, depletion, amendment to terms and credit restructuring.

Komite Kredit IV

Credit Committee IV

16 Pengajuan kredit baru, perpanjangan, perubahan syarat, restrukturisasi dan perubahan kualitas kredit.

Submission of new loans, extension, change of terms, restructuring and changes in credit quality.

Meeting

Holding Credit Committee Meetings of all Credit Applications that are run by the Business division in accordance with applicable Policies.

Realisation of the Work Program 2019






KOMITE ALCOALCO COMMITTEE

Fungsi Pokok

Komite ALCO dibentuk sesuai dengan Keputusan Direksi nomor B.22/Dir.01.03/DCM/10/2016 tanggal 27 Oktober 2016 perihal Organisasi dan Tata Kerja Asset And Liabilitiy Committee (ALCO) PT Bank Rakyat Indonesia Agroniaga Tbk. yang masih berlaku sampai dengan saat ini.


Susunan Komite ALCOStructure of ALCO Committee

Ketua/ Merangkap AnggotaHead concurrently Member

Direktur UtamaPresident Director

Ketua Pengganti 1Substitute Head 1

Direktur Operasional dan Keuangan Director of Operating and FInancing

Ketua Pengganti 2Substitute CHead 2

Direktur BisnisDirector of Business

Sekretaris /Merangkap AnggotaSecretary concurrently Member

Kepala Divisi TreasuryHead of Treasury Division

AnggotaMember

- Direktur PRK dan Pendanaan- Direktur Kepatuhan- Kepala Divisi Sekretariat Perusahaan- Kepala Divisi Menengah I- Kepala Divisi Menengah II

- PRK Director and Funding- Compliance Director- Head of Corporate Secretary Division- Head of Intermediate Division I- Head of Intermediate Division II


1. Melakukan evaluasi kinerja Perusahaan serta menetapkan strategi dan kebijakan pengelolaan asset and liability yang optimal

2. Menetapkan suku bunga simpanan, suku bunga pinjaman, fund transfer price (FTP) dan pricing lainnya yang berdampak langsung pada pencapaian net interest income (NII).

3. Menentukan kebijakan set open position (NOP).4. Memonitor bahwa pengelolaan asset and liability di perusahaan

dilaksanakan sesuai dengan hasil putusan Rapat ALCO.

Main Function

The ALCO Committee was formed in accordance with Board of Directors Decree number B.22/Dir.01.03/DCM/10/2016 dated on October 27, 2016 concerning the Organisation and Work Procedures of the Asset And Liability Committee (ALCO) of PT Bank Rakyat Indonesia Agroniaga Tbk, which is still valid today.



1. Evaluating the Company’s performance and determine the optimal asset and liability management strategies and policies

2. Setting deposit rates, loan interest rates, fund transfer prices (FTP) and other pricing that have a direct impact on achieving net interest income (NII).

3. Determining the set open position (NOP) policy.4. Monitoring that the management of assets and liabilities in

the company is carried out in accordance with the decisions of the ALCO Meeting.






Rapat Komite ALCO

Rapat ALCO diadakan minimal 1 bulan sekali namun sewaktu-waktu ALCO dapat menyelenggarakan Rapat ALCO Terbatas untuk membahas pengelolaan asset and liability yang berkaitan dengan strategi dan kebijakan BRI Agro dalam hal terdapat issue khusus yang harus segera mendapatkan hasil putusan Rapat ALCO.

RapatMeeting


Attendance

1 31 Januari 2019January 31, 2019

· Economic Outlook· Kinerja Asset dan Liabilities· Investor Update· Keputusan rapat ALCO

· Economic Outlook· Asset and Liabilities performance· Investor Update· Decision of the ALCO meeting

· Ketua ALCO· Seluruh anggota tetap dengan Hak suara

· Head of ALCO· All permanent members with voting rights

2 13 Februari 2019February 13, 2019


· Economic Outlook· Asset and Liabilities Performance· Investor Update· Decision of the ALCO meeting



3 18 Maret 2019March 18, 2019





4 18 April 2019April 18, 2019





5 20 Mei 2019May 20, 2019





Meeting of ALCO Committee

ALCO meetings are held at least once a month but at any time ALCO can hold Limited ALCO Meetings to discuss asset and liability management related to BRI Agro’s strategies and policies in the event that there are special issues that must immediately obtain the results of the ALCO Meeting.






RapatMeeting


Attendance

6 21 Juni 2019June 21, 2019





7 23 Juli 2019July 23, 2019





8 28 Agustus 2019August 28, 2019





9 19 September 2019September 19, 2019





10 17 Oktober 2019Oktober 17, 2019





11 20 November 2019November 20, 2019










RapatMeeting


Attendance

12 17 Desember 2019December 17, 2019





Realisasi Program Kerja 2019

Selama tahun 2019 Rapat ALCO rutin diadakan setiap 1 bulan sekali. Adapun Agendanya adalah : a. Economic Outlookb. Kinerja Asset & Liabilities BRI Agroc. Kinerja Saham BRI Agro

Work Program Realisation in 2019

During 2019 ALCO meetings are routinely held every 1 month. The agenda are:a. Economic Outlookb. BRI Agro Asset & Liabilities Performancec. BRI Agro Stock Performance






Komite Pengarah Teknologi Informasi dibentuk sesuai dengan Keputusan Direksi nomor 19/Dir.01.05/TSI/III/2013 tanggal 28 Maret 2013, perihal Revisi Ketiga Komite Pengarah Teknologi Sistem Informasi, susunan Komite Pengarah Teknologi Informasi Perseroan.

Fungsi Pokok

Menentukan langkah penetapan strategi IT untuk mendukung tercapainya visi misi perusahaan melalui teknologi.


Susunan Komite Pengarah Sistem Teknologi InformasiStructure of Information System Technology Committee Committee

Ketua IHead I


Ketua IIHead II

Direktur Operasional dan Keuangan Director of Operational and Finance

Ketua IIIHead III

Direktur KepatuhanDirector of Compliance

Sekretaris Secretary

Kepala Divisi Teknologi InformasiHead of Information Technology Division

Anggota TetapPermanent Member

- Kepala Divisi Change Management - Kepala Divisi Operasional - Kepala Divisi Manajemen Sumber Daya Manusia - Kepala Divisi Kepatuhan Manajemen Risiko & Hukum

- Head of Change Management Division- Head of Operations Division- Head of Human Resources Management Division- Head of Risk & Legal Management Compliance Division

Anggota Tidak TetapNon-Permanent Member

- Kepala Divisi Funding & Transaction Banking - Kepala Desk Bisnis Konsumer - Kepala Divisi Bisnis Ritel & Kemitraan - Kepala Divisi Bisnis Menengah I - Kepala Divisi Bisnis Menengah II - Kepala Divisi Pengendalian Risiko Kredit - Kepala Divisi Sekretariat Perusahaan - Kepala Desk Treasury - Kepala Desk Adminstrasi Kredit

- Head of Funding & Transaction Banking Division- Head of Consumer Business Desk- Head of Retail & Partnership Business Division- Head of Medium Business Division I- Head of Medium Business Division II- Head of Credit Risk Control Division- Head of the Corporate Secretariat Division- Head of Treasury Desk - Head of the Credit Administration Desk

KOMITE PENGARAH SISTEM TEKNOLOGI INFORMASIINFORMATION SYSTEM TECHNOLOGY COMMITTEE

The Information Technology Steering Committee was formed in accordance with Directors Decree number 19/Dir.01.05/TSI/III/2013 dated on March 28, 2013, concerning the Third Revision of the Information System Technology Steering Committee, the composition of the Company’s Information Technology Steering Committee.

Main Function

Determining the steps in determining IT strategy to support the achievement of the company’s vision and mission through technology.








Tugas dan tanggung jawab Komite Pengarah Teknologi Sistem Informasi (KPTSI) adalah sebagai berikut : 1. Memberikan rekomendasi kepada Direksi terkait dengan:

a. Rencana strategis Teknologi Informasi yang sejalan dengan rencana strategis kegiatan usaha BRI Agro;

b. Perumusan kebijakan, standar, dan prosedur Teknologi Informasi yang utama;

c. Kesesuaian antara proyek Teknologi Informasi yang disetujui dengan Rencana Strategis Teknologi Informasi;

d. Kesesuaian antara pelaksanaan proyek Teknologi Informasi dengan rencana proyek yang disepakati (project charter);

e. Kesesuaian antara Teknologi Informasi dengan kebutuhan sistem informasi manajemen serta kebutuhan kegiatan usaha BRI Agro;

f. Efektivitas langkah-langkah dalam meminimalkan risiko atas investasi BRI Agro pada sektor Teknologi Informasi agar investasi Bank pada sektor Teknologi Informasi memberikan kontribusi terhadap pencapain tujuan bisnis BRI Agro;

g. Pemantauan atas kinerja Teknologi Informasi dan upaya peningkatan kinerja Teknologi Informasi;

h. Upaya penyelesaian berbagai masalah terkait Teknologi Informasi, yang tidak dapat diselesaikan oleh satuan kerja pengguna dan penyelenggara Teknologi Informasi secara efektif, efisien dan tepat waktu;

i. Kecukupan dan alokasi sumber daya yang dimiliki Bank.

2. Melaksanakan tugas-tugas lainnya sebagaimana ditetapkan dalam Peraturan Otoritas Jasa Keuangan No. 38/ POJK.03/2016 tanggal 01 Desember 2016 tentang Penerapan Manajemen Resiko Dalam Penggunaan Teknologi Informasi Oleh Bank Umum dan Surat Edaran Otoritas Jasa Keuangan No.21/SEOJK.03/2017 tanggal 06 Juni 2017 tentang Penerapan Manajemen Resiko Dalam Penggunaan Teknologi Informasi Oleh Bank Umum dan perubahan-perubahannya di kemudian hari.

Rapat

Rapat Meeting


Attendance


Prioritas Proyek Tahun 2019Project Priorities for 2019

1. Direktur Utama (Ketua I ITSC)2. Direktur PRK & Pendanaan (Ketua II ITSC)3. DirekturKepatuhan (Ketua III ITSC)4. Direktur Bisnis 5. Kepala Divisi TI (Sekretaris)6. Kepala Divisi Change Management 7. Kepala Divisi Operasional8. Kepala Divisi Manajemen Sumber Daya Manusia 9. Kepala Divisi Kepatuhan Manajemen Risiko &

Hukum


The duties and responsibilities of the Information Systems Technology Steering Committee (KPTSI) are as follows:1. Providing recommendations to the Directors regarding:

a. Information Technology strategic plan that is in line with the strategic plan of BRI Agro business activities;

b. Formulation of the main Information Technology policies, standards and procedures;

c. Conformity between the approved Information Technology project and the Information Technology Strategic Plan;

d. Suitability between the implementation of the Information Technology project and the agreed project plan (project charter);

e. The suitability of Information Technology with the needs of management information systems and the needs of BRI Agro business activities;

f. Effectiveness of measures to minimize risks to BRI Agro’s investment in the Information Technology sector so that Bank investment in the Information Technology sector contributes to the achievement of BRI Agro’s business objectives;

g. Monitoring of Information Technology performance and efforts to improve the performance of Information Technology;

h. Efforts to resolve various problems related to Information Technology, which cannot be solved by the user work unit and Information Technology provider in an effective, efficient and timely manner;

i. Adequacy and allocation of resources owned by the Bank.

2. Carrying out other tasks as stipulated in the Financial Services Authority Regulation No. 38/POJK.03/2016 dated on December 1, 2016, concerning Application of Risk Management in the Use of Information Technology by Commercial Banks and Circular Letter of the Financial Services Authority No. 21/SEOJK.03/2017 dated on June 6, 2017, concerning the Implementation of Risk Management in the Use of Information Technology by Commercial banks and their changes in the future.

Meeting






Rapat Meeting


Attendance

10. Kepala Divisi Funding & Transaction Banking 11. Kepala Desk Bisnis Konsumer 12. Kepala Divisi Bisnis Ritel & Kemitraan 13. Kepala Divisi Bisnis Menengah I 14. Kepala Divisi Bisnis Menengah II 15. Kepala Desk Treasury

1. President Director (Head of I ITSC)2. PRK & Funding Director (Head of ITSC II)3. Director of Compliance (Head of ITSC III)4. Business Director5. Head of IT Division (Secretary)6. Head of Change Management Division7. Head of Operations Division8. Head of Human Resources Management Division9. Head of Risk & Legal Management Compliance

Division10. Head of Funding & Transaction Banking Division11. Head of Consumer Business Desk12. Head of Retail & Partnership Business Division13. Head of Medium Business Division I14. Head of Medium Business Division II15. Head of the Treasury Desk


Pemaparan Hasil Dengan DivisiPresentation of Project Priority Results by Division

1. Direktur Utama (Ketua I ITSC)2. Direktur PRK & Pendanaan (Ketua II ITSC)3. Direktur Kepatuhan (Ketua III ITSC) 4. Kepala Divisi TI (Sekretaris)5. Kepala Divisi Operasional6. Kepala Divisi Manajemen Sumber Daya Manusia 7. Kepala Divisi Kepatuhan Manajemen Risiko &

Hukum8. Kepala Divisi Funding & Transaction Banking

1. President Director (Head of I ITSC)2. PRK & Funding Director (Head of ITSC II)3. Compliance Director (Head of ITSC III)4. Head of IT Division (Secretary)5. Head of Operations Division6. Head of Human Resources Management Division7. Head of Risk & Legal Management Compliance

Division8. Head of Funding & Transaction Banking Division

3 21 Maret 2019March 21, 2019

Pemaparan Proyek ITSCPresentation of the ITSC Project

1. Direktur Utama (Ketua I ITSC)2. Direktur PRK & Pendanaan (Ketua II ITSC)3. Direktur Kepatuhan (Ketua III ITSC)4. Direktur Bisnis 5. Kepala Divisi TI (Sekretaris)6. Kepala Divisi Operasional7. Kepala Divisi Manajemen Sumber Daya Manusia 8. Kepala Divisi Kepatuhan Manajemen Risiko &

Hukum9. Kepala Divisi Bisnis Menengah I 10. Kepala Divisi Bisnis Menengah II 11. Kepala Divisi Sekretariat Perusahaan12. Kepala Divisi Pengendalian Risiko Kredit






Rapat Meeting


Attendance

1. President Director (Head of I ITSC)2. PRK & Funding Director (Head of ITSC II)3. Compliance Director (Head of ITSC III)4. Business Director5. Head of IT Division (Secretary)6. Head of Operations Division7. Head of Human Resources Management Division8. Head of Risk & Legal Management Compliance

Division9. Head of Medium Business Division I10. Head of Medium Business Division II11. Head of Corporate Secretariat Division12. Head of Credit Risk Control Division

4 30 Juli 2019July 30, 2019

Proyek ITSCITSC Project

1. Direktur Utama (Ketua I ITSC)2. Direktur PRK & Pendanaan (Ketua II ITSC)3. Direktur Kepatuhan (Ketua III ITSC)4. Direktur Bisnis 5. Wakil Kepala Divisi TI (Sekretaris)6. Kepala Divisi Change Management 7. Kepala Divisi Operasional8. Kepala Divisi Manajemen Sumber Daya Manusia 9. Kepala Divisi Kepatuhan Manajemen Risiko &

Hukum10. Kepala Divisi Funding & Transaction Banking 11. Kepala SKAI

1. President Director (Head of I ITSC)2. PRK & Funding Director (Head of ITSC II)3. Compliance Director (Head of ITSC III)4. Business Director5. Deputy Head of IT Division (Secretary)6. Head of Change Management Division7. Head of Operations Division8. Head of Human Resources Management Division9. Head of Risk & Legal Management Compliance

Division10. Head of Funding & Transaction Banking Division11. Head of SKAI

Realisasi Program Kerja Tahun 2019

Proyek RBB

No Nama ProyekName of Projects Status

1 Pinang 2.0 Integrasi Payroll BRI AgroPinang 2.0 Integration of BRI Agro Payroll

Live

2 Kerja sama Host to Host Teller BRI Agro dan BRIBRI Agro and BRI Host to Host Teller cooperation

Piloting di Kantor Cabang Warung Jati BRIPiloting at the Warung Jati BRI Branch Office

3 Internet Banking Versi MobileMobile Internet Banking Version

Izin RegulatorRegulator Permission

4 Kartu Debit Artajasa Izin RegulatorRegulator Permission

5 Virtual Account Live

Work Program Realisation in 2019

RBB Projects






Proyek Internal

E- Channel Projects

Internet Banking Versi MobileMobile Internet Banking Version


Top Up E - Wallet (IB Website) Live

MPN GEN 2 Live

Virtual Account Live

Kartu Debit ArtajasaArtajasa Debit Card


Setor Tunai CRMCRM Cash Deposit

Testing

Mass RTGS - Cash Management System Live

Mass SKN - Cash Management System Live

Bank Notes Testing

Transaksi ValasForex Transactions

Testing

Payment PLN Testing

Deposito Online CMSCMS Online Deposit

Testing

Corebanking Projects

Single Approval Opening Account Live

LBBUK Form 1 Testing

Interface Mass RTGS & SKN Live

Suku Bunga Flat in Advance & ArrierFlat in Advance & Arrier Interest Rate

Testing

Tiering Suku Bunga RestrukTiering Restructuring Interest Rates

Testing

PSAK 71 Testing

Mass Account Opening Live

Privillage Open & Close Branch Live

Enhancement CIF Data Live

Deposite Mature Maintenance Live

Antasena Testing

OBOX Live

Support Systems Projects

Loan Approval Systems Consumer & Ritel Piloting

Reward Management Systems Testing

Contact Center Live

Website BRI Agro Live

Nego Rate DepositoNegotiable Rate of Deposit

Piloting

Sanction List Testing

Laporan Transaksi MencurigakanSuspicious Transaction Report

Live

Internal Projects






Support Systems Projects

Fatca & CRS Live

Political Expose Person (PEP) Live

Sistem Pendukung Kelengkapan Data CIFCIF Data Completion Support System

Live

Portal SKAI Testing

Agro POS Testing

Website Lelang Live

Dunning KonsumerCustomers Dunning

Live

Report Data Balikan Dukcapil Report Data on Reversal of the Directorate General of Population and Civil Registration

Testing

Portal Cost of Fund Funding Officer Live

Portal Akuisisi Funding OfficerFunding Officer Acquisition Portal

Live

CASA Marketer Live

KPRS Agro Online Systems (E-FLPP) Live

ADP Tax Testing

Asset Liabilities Management Testing

Giro Account Notification Testing

OSTS Treasury Testing

Information Technology Projects

Switch Over Server Live

Antivirus License Live

Enhancement Network Version 1 Live

Slave Administrator Server Live

Network Time Protocol (NTP) Live

Google Suites Live IT Division






Re-Organisasi

Penetapan Kembali Organisasi Divisi Teknologi Informasi No. Kpts. B.12/Dir.03.05/CMG/10/2019

Sertifikasi

Pada 2019, IT BRI Agro memperoleh sertifikasi sebagai berikut:1. Certified Data Science for Programmer2. Certifed IT Capacity Planning Expert

Re-Organization

Re-Establishing Information Technology Division Organisation No. Kpts. B.12/Dir.03.05/CMG/10/2019

The certification

In 2019, IT BRI Agro obtained the following certifications:1. Certified Data Science for Programmers2. Certified IT Capacity Planning Expert

Bagian InformationTechnology Infrastructure

and Monitoring **)

Virtual Private Cloud andData Storage Engineer

Database Engineer

DC & DRC Engineer

BagianTest Engineer

Test Engineer

Lampiran Surat Keputusan Direksi B.12/Dir.03.05 CMG/10/2019 Tanggal 17 Oktober 2019 tentang

Penetapan Kembali Struktur Organisasi Divisi Teknologi Informasi PT Bank Rakyat Indonesia Argoniaga, TBK.

STRUKTUR ORGANISASI DIVISI TEKNOLOGI INFORMASI PT BANK RAKYAT INDONESIA AGRONIAGA, Tbk.

Digital Strategy - UI/UX

Digital Strategy ProjectManager

Strategy and PortofolioPlanning

Capacity and PerfomanceTechnical

BagianPlaning & Strategy

Bagian Corebanking &Support System

Front and Developer

Back and Developer

System Analyst Care& Support

Data Scientist Care& Support

BagianDigital Banking Delivery

Android Engineer

Data AnalystE-Channel

System AnalystE-Channel

Software Engineer- Back End

Software Engineer- Front End

IOS Engineer

Network Engineer

IT Security Engineer

Help Desk

IT Technician Support

DIREKTORATOPERASIONAL &

KEUANGAN

IT Steering Commitee

DIVISITEKNOLOGI INFORMASI**)

Bagian InformationTechnology Infrastructure

and Monitoring **)

Virtual Private Cloud andData Storage Engineer

Database Engineer

DC & DRC Engineer

BagianTest Engineer

Test Engineer

Lampiran Surat Keputusan Direksi B.12/Dir.03.05 CMG/10/2019 Tanggal 17 Oktober 2019 tentang

Penetapan Kembali Struktur Organisasi Divisi Teknologi Informasi PT Bank Rakyat Indonesia Argoniaga, TBK.

STRUKTUR ORGANISASI DIVISI TEKNOLOGI INFORMASI PT BANK RAKYAT INDONESIA AGRONIAGA, Tbk.

Digital Strategy - UI/UX

Digital Strategy ProjectManager

Strategy and PortofolioPlanning

Capacity and PerfomanceTechnical

BagianPlaning & Strategy

Bagian Corebanking &Support System

Front and Developer

Back and Developer

System Analyst Care& Support

Data Scientist Care& Support

BagianDigital Banking Delivery

Android Engineer

Data AnalystE-Channel

System AnalystE-Channel

Software Engineer- Back End

Software Engineer- Front End

IOS Engineer

Network Engineer

IT Security Engineer

Help Desk

IT Technician Support

DIREKTORATOPERASIONAL &

KEUANGAN

IT Steering Commitee

DIVISITEKNOLOGI INFORMASI**)







Proyek RBB

No Nama ProyekName of Projects Status

1 Open API Analysis

Proyek

E- Channel Projects

1 Top up NFC Brizzi – Collaboration with BRI

2 Big Data – Colaboration with BRI

3 Agrolink Mobile

4 Digital Saving

5 QR Payment

Corebanking Projects

1 Enterprise Reconciliation Systems

2 Stand in Development

3 Otomasi RTGS (STPG)

4 Online Claim Insurance

5 Insurance Online (Brilife & Brins)

6 Switching Outgoing Development

7 Butab Less

8 Incoming Outgoing Remittance

Support Projects

1 Loan Request – Website BRI Agro

2 PSAK 73

3 E-Form Document Less (HR, Procurement, & Operational)

4 Enhancement Datawarehouse

5 Maturity Profile Deposit

6 Pinang Dashboard Enhancement

7 Inventory System

8 Incident Management System

Information Technology Projects

1 Dev Ops

2 Big Data – Colaboration with BRI

3 Enhancement Network Version 2

4 Information Technology Strategic Plan

5 IT Governance Enhancement

6 BRI Agro Chatbot

7 Cloud Server & Storage

8 Agro Hackathon

9 Switch Over 2020

10 Product Design Event

Program in 2020

RBB Projects

Projects






Komite Kebijakan Perkreditan dibentuk sesuai dengan Keputusan Direksi nomor B.08/DIR.01.05/DCM/12/2016 tentang Komite Kebijakan Perkreditan (KKP) sebagaimana pengkinian dan Keputusan nomor Kpts B.02/Dir.01.03/KK/II/2013 tanggal 4 Februari 2013.

Fungsi Pokok

1. Memberikan masukan kepada Direksi dalam rangka penyusunan KUP

2. Mengawasi agar KUP BRI Agro diterapkan dan dilaksanakan secara konsekuen dan konsisten

3. Memberikan rekomendasi terhadap hambatan atau kendala dalam penerapan KUP

4. Melakukan kajian berkala terhadap KUP


Susunan Komite Kebijakan Perkreditan Structure of Credit Policy Committee

KetuaHead


SekretarisSecretary

Kepala Bagian Kebijakan Kredit dan OperasionalHead of Credit and Operations Policy Section

AnggotaMember

- Direktur Bisnis - Direktur Pengendalian Risiko Kredit & Pendanaan - Direktur Operasional dan Keuangan - Kepala Divisi Bisnis Agro - Kepala Divisi Bisnis Umun - Kepala Divisi Bisnis Ritel dan Konsumer - Kepala Divisi Pengendalian Risiko Kredit - Kepala Divisi Kepatuhan, Manajemen Risiko dan Hukum - Kepala Divisi Change Management - Kepala SKAI

- Business Director- Director of Credit Risk Control & Funding- Director of Operations and Finance- Head of Agro Business Division- Head of the Umun Business Division- Head of Retail and Consumer Business Division- Head of Credit Risk Control Division- Head of Compliance, Risk Management and Legal Division- Head of Change Management Division- Head of SKAI

KOMITE KEBIJAKAN PERKREDITANCREDIT POLICY COMMITTEE

The Credit Policy Committee was formed in accordance with Board of Directors Decree number B.08/DIR.01.05/DCM/12/2016 concerning Credit Policy Committee (KKP) as updated and Kpts Decree number B.02/Dir.01.03/KK/II/2013 dated on February 4, 2013.

Main Function

1. Providing input to the Board of Directors in the context of the preparation of KUP

2. Monitoring that the BRI Agro KUP is implemented and implemented, consequently and consistently

3. Providing recommendations on obstacles or obstacles in the application of KUP

4. Conducting periodic reviews of KUP








1. Memberi masukan kepada Direksi dalam rangka penyusunan KUP BANK terutama yang berkaitan dengan perumusan prinsip kehati-hatian dalam perkreditan.

2. Mengawasi agar KUP BANK diterapkan dan dilaksanakan secara konsekuen dan konsisten serta sesuai dengan ketentuan hukum yang berlaku.

3. Memberikan rekomendasi terhadap hambatan atau kendala dalam penerapan KUP BANK.

4. Melakukan kajian berkala terhadap KUP Bank dan memberikan rekomendasi (masukan/pendapat/saran) kepada Direksi apabila diperlukan adanya perubahan atau perbaikan terhadap KUP Bank.

5. Pengambilan keputusan-keputusan lain yang terkait dengan kebijakan perkreditan.


Fokus program kerja Komite Kebijakan Perkreditan tahun 2020 adalah Review & Revisi Kebijakan Umum Perkreditan (KUP).


1. Providing input to the Board of Directors in the framework of BUP KUP compilation especially related to the formulation of the principle of prudence in credit.

2. Overseeing that BUP KUP is applied and implemented consistently and consistently and in accordance with applicable legal provisions.

3. Providing recommendations on obstacles or constraints in the application of BANK KUP.

4. Conducting periodic reviews of the KUP of the Bank and provide recommendations (input/opinions/suggestions) to the Directors if necessary changes or improvements to the KUP of the Bank.

5. Making other decisions related to credit policy.

Work Program in 2020

The focus of the work program Credit Committee in 2020 is the Review & Revision of the General Credit Policy (KUP).






Komite Kebijakan Kredit dan Pengembangan Produk dibentuk berdasarkan Surat Keputusan Direksi, terakhir diubah berdasarkan Surat Keputusan Direksi No. Kpts: B.40/Dir.01.05/DCM/XI/2017 tanggal 30 November 2017 tentang Komite Kebijakan Kredit dan Pengembangan Produk.

Fungsi Pokok

1. Mengusulkan dan menetapkan kebijakan dan/atau perubahan kebijakan kredit atau produk di BRI Agro yang bersifat strategis

2. Menyusun dan menetapkan PS dan KRD BRI Agro3. Mengusulkan pembuatan ketentuan produk kredit yang akan

di pasarkan dan menguntungkan BRI Agro4. Memberikan rekomendasi terhadap hambatan atau kendala

dalam penerapan kebijakan kredit di BRI Agro.


Susunan Komite Kebijakan Kredit dan Pengembangan ProdukStructure of Product Development and Credit Policy Committee

KetuaHead


SekretarisSecretary

Kepala Bagian Kebijakan Kredit dan OperasionalHead Division of Credit Policy and Operating

AnggotaMember

- Kepala Divisi Bisnis Agro - Kepala Divisi Bisnis Umum - Kepala Divisi Bisnis Ritel dan Konsumer - Kepala Divisi Pengendalian Risiko Kredit - Kepala Divisi Kepatuhan, Manajemen Risiko dan Hukum - Kepala Divisi Change Management - Kepala SKAI

- Head of Agro Business Division- Head of General Business Division- Head of Retail and Consumer Business Division- Head of Credit Risk Control Division- Head of Compliance, Risk Management and Legal Division- Head of Change Management Division- Head of SKAI


Komite Kebijakan Kredit dan Pengembangan Produk bertugas membantu Direksi Bank untuk merumuskan kebijakan kredit dan pengembangan produk, mengawasi pelaksanaan kebijakan, serta memberikan saran-saran langkah perbaikan.

KOMITE KEBIJAKAN KREDIT DAN PENGEMBANGAN PRODUKPRODUCT DEVELOPMENT AND CREDIT POLICY COMMITTEE

The Credit Policy and Product Development Committee was formed based on the Directors ‘Decree, most recently amended by the Directors’ Decree No. Kpts: B.40/Dir.01.05/DCM/XI/2017 dated on November 30, 2017, concerning the Credit Policy and Product Development Committee.

Main Function

1. Proposing and determining strategic policies and/or changes in credit or product policies at BRI Agro

2. Arranging and determining the PS Agro BRI and KRD3. Proposing the making of credit product provisions that will

be marketed and profitable BRI Agro4. Providing recommendations on obstacles or obstacles in the

implementation of credit policies in BRI Agro.



The Credit Policy and Product Development Committee assissted the Directors of the Bank to scrutinise the credit policy and product development, overseeing the running of the policy, as well as giving advice for the betterment.






Rapat

RapatMeeting


Attendance

1 4 Maret 2019March 4, 2019

Ketentuan AgunanCollateral Provisions

- Kepala Divisi Change Management- Kepala Divisi Bisnis Menengah 1- Kepala Divisi Bisnis Menengah 2- Kepala Divisi PRK- Kepala Divisi KMRH- Kepala Desk Bisnis Konsumer- Kepala Desk ADK

- Head of Change Management Division- Head of Medium Business Division 1- Head of Medium Business Division 2- Head of the PRK Division- Head of KMRH Division- Head of Consumer Business Desk- Head of ADK Desk

2 8 April 2019April 8, 2019

Ketentuan Agunan Cash Collateral KURCash Collateral Requirements KUR

- Kepala Divisi Change Management- Kepala Divisi Bisnis Menengah 1- Kepala Divisi Bisnis Menengah 2- Kepala Divisi PRK- Kepala Divisi KMRH- Kepala Desk Bisnis Konsumer- Kepala Desk ADK

- Head of Change Management Division- Head of Medium Business Division 1- Head of Medium Business Division 2- Head of the PRK Division- Head of KMRH Division- Head of Consumer Business Desk- Head of ADK Desk

3 20 Juni 2019June 20, 2019

Kredit EksporExport Credit

- Kepala Desk ADK- Kepala Divisi Bisnis Menengah 1- Kepala Divisi Bisnis Menengah 2- PPT Kepala Divisi Bisnis Ritel dan Kemitraan- Kepala Divisi PRK- Kepala Desk Bisnis Konsumer- Kepala Divisi FTB

- Head of ADK Desk- Head of Medium Business Division 1- Head of Medium Business Division 2- PPT Head of Retail and Partnership Business Division- Head of the PRK Division- Head of Consumer Business Desk- Head of FTB Division

4 12 Juli 2019July 12, 2019

LPGKretap

- Kepala Desk ADK- Kepala Divisi Bisnis Menengah 1- Kepala Divisi Bisnis Menengah 2- PPT Kepala Divisi Bisnis Ritel dan Kemitraan- Kepala Divisi KMRH- Kepala Desk Bisnis Konsumer

- Head of ADK Desk- Head of Medium Business Division 1- Head of Medium Business Division 2- PPT Head of Retail and Partnership Business Division- Head of the KMRH Division- Head of Consumer Business Desk

Meeting







1. Review & Mohon informasi Revisi SK KUP2. Review & Revisi SK PPK Ritel3. Review & Revisi SK PPK Menengah4. Review PPK Konsumer5. Review PPK Treasury 6. Ketentuan Loan Portofolio Guide7. Ketentuan Pembiayaan Perkebunan Kelapa Sawit8. Revisi Ketentuan Penyelesaian Kredit Bermasalah9. Review Ketentuan Komite Kredit10. Review Ketentuan Komite Kebijakan dan Pengembangan

Produk 11. Review Ketentuan Putusan Delegasi Wewenang Kredit

(PDWK)12. Review Ketentuan Limit PDWK13. Ketentuan KMK Mitra 14. Ketentuan Pembiayaan Sinar Mas Grup15. Review Mekanisme Izin Prinsip16. Revisi Ketentuan PINANG17. Revisi Ketentuan CRR Ritel18. Revisi ketentuan BMPK

Work Program in 2020

1. Review & Request information on KUP SK revision2. Review & Revision of SK PPK Retail3. Review & Revision of Intermediate PPK Decree4. Consumer PPK Review5. Review PPK Treasury6. Loan Portfolio Guide Provisions7. Provisions for Financing Oil Palm Plantations8. Revised Provisions for Troubled Credit Settlement9. Review the Credit Committee Provisions10. Review the Provisions on the Policy and Product Development

Committee11. Review of Provisions on the Decision of the Credit Authority

Delegation (PDWK)12. Review the PDWK Limit Requirements13. KMK Partner Provisions14. Sinar Mas Group Financing Provisions15. Review the Principle Permit Mechanism16. Revised PINANG Provisions17. Revision of Retail CRR Provisions18. Revised LLL provisions






SEKRETARIS PERUSAHAANCORPORATE SECRETARY

Sebagai Perusahaan Terbuka, BRI Agro wajib memiliki Sekretaris Perusahaan yang berfungsi sebagai penghubung antara Perseroan dengan Pemegang Saham serta Pemangku Kepentingan lainnya, serta memastikan kepatuhan Perseroan terhadap peraturan dan perundang-undangan, khususnya di bidang pasar modal.

Pembentukan, pengangkatan, dan pelaksanaan fungsi serta tugas Sekretaris Perusahaan, antara lain mengacu pada:1. Peraturan Otoritas Jasa Keuangan Nomor 35/POJK.04/2014

tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik.2. Surat Keputusan Direksi PT Bursa Efek Indonesia No. Kep-00001/

BEI/01-2014 Perihal Perubahan Peraturan Nomor I-A: Tentang Pencatatan Saham dan Efek Bersifat Ekuitas Selain Saham yang Diterbitkan Oleh Perusahaan Tercatat.

Profil Pejabat Sekretaris Perusahaan

As a public listed Company, BRI Agro is required to have a Corporate Secretary who functions as a liaison amongst the Company and the Shareholders and other Stakeholders, as well as ensuring the Company’s compliance with laws and regulations, particularly in the capital market.

The establishment, appointment and execution of functions and duties of the Corporate Secretary, among others, refer to:1. Financial Services Authority Regulation Number 35/POJK.04/2014

concerning Corporate Secretary of Issuers or Public Companies.2. Decree of the Board of Directors of PT Bursa Efek Indonesia

No. Kep-00001/BEI/01-2014 Regarding Amendment to Rule Number I-A: Regarding Listing of Shares and Equity-Type Securities Other Than Shares Issued by Listed Companies.

Profile of Corporate Secretary

Hirawan Nur Kustono

Kepala Divisi Sekretariat PerusahaanHead of Corporate Secretariat Division

UsiaAge



Indonesia

DomisiliDomicile

Jakarta


Sarjana Sains dari Universitas Indonesia tahun 1988Bachelor of Science from University of Indonesia in 1988


· Sekretaris Perusahaan (2004)· Kepala Bagian Treasury. (1998)· Money Market Dealer (1995)· Electronic Data Processing Officer (1991)· Officer Development Program Perseroan (1989)

· Corporate Secretary (2004)· Head of Treasury Department. (1998)· Money Market Dealer (1995)· Electronic Data Processing Officer (1991)· The Company's Officer Development Program (1989)


Tidak AdaNone


Surat Keputusan Direksi No.30/Dir 01.03/III/2004 tanggal 1 Maret 2004Decree of the Board of Directors No.30/Dir 01.03/III / 2004 dated on March 1, 2004







Mengacu pada Pasal 5 Peraturan Otoritas Jasa Keuangan Nomor 35/POJK.04/2014 tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik, fungsi Sekretaris Perusahaan adalah melaksanakan tugas paling kurang meliputi:1. Mengikuti perkembangan pasar modal khususnya peraturan

perundangan yang berlaku di bidang pasar modal.2. Menyelenggarakan dan mendokumentasikan Corporate Action

setiap tahun3. Menyelenggarakan dan menghadiri rapat Dewan Komisaris,

rapat Direksi dan rapat gabungan4. Melakukan keterbukaan penyediaan akses informasi yang

terkini pada akses yang dapat dijangkau publik secara luas5. Memberikan masukan kepada Direksi dan Dewan Komisaris untuk

mematuhi ketentuan peraturan perundangan di bidang pasar modal.6. Membantu Direksi dan Dewan Komisaris dalam pelaksanaan

tata kelola perusahaan yang meliputi:a. keterbukaan informasi kepada masyarakat, termasuk

ketersediaan informasi pada Situs Web Emiten, press conference dan siaran pers

b. penyampaian laporan kepada Otoritas Jasa Keuangan tepat waktu;

c. penyelenggaraan dan dokumentasi Rapat Umum Pemegang Saham;

d. penyelenggaraan dan dokumentasi Rapat Direksi dan/atau Dewan Komisaris; dan

e. pelaksanaan program orientasi terhadap perusahaan bagi Direksi dan/atau Dewan Komisaris.

7. Sebagai penghubung antara Emiten dengan pemegang saham, OJK dan pemangku kepentingan lainnya.

Fungsi Investor Relations

Bank senantiasa membangun citra yang baik melalui pengembangan hubungan dengan investor/analis, baik secara interaktif maupun penyampaian informasi secara berkala, terutama terkait kinerja Bank. Penyampaian informasi dilakukan melalui kegiatan analyst meeting dan media komunikasi lainnya, termasuk situs web Bank dengan alamat www.briagro.co.id.

Fungsi utama Investor Relations adalah untuk membina hubungan baik dan berinteraksi dengan investor, pasar modal, dan pemegang saham, yang meliputi: 1. Pengembangan strategi komunikasi terutama terkait investor,

calon investor potensial, analis, fund manager, dan masyarakat pasar modal secara umum.

2. Penyusunan materi presentasi kinerja keuangan triwulanan, pelaksanaan analyst meeting, dan telekonferensi.

3. Komunikasi kinerja Bank kepada pihak eksternal seperti investor, fund manager, dan calon investor potensial.

4. Menjaga hubungan baik dengan investor, fund manager, analis, dan lembaga pemeringkat.


Referring to Article 5 of the Financial Services Authority Regulation No. 35/POJK.04/2014 concerning Corporate Secretary of Issuers or Public Companies, the function of the Corporate Secretary is to carry out the duties of at least covering:1. Following the development of the capital market, especially

the applicable laws and regulations in the capital market.2. Organising and documenting Corporate Action every year

3. Organising and attending Board of Commissioners ‘meetings, Directors’ meetings and joint meetings

4. Openness to provide access to the latest information on access that is widely accessible to the public

5. Providing input to the Directors and Board of Commissioners to comply with the provisions of the legislation in the capital market.

6. Assisting the Directors and Board of Commissioners in implementing corporate governance which includes:a. disclosure of information to the public, including the

availability of information on the Issuer’s Website, press conferences and press releases

b. submitting reports to the Financial Services Authority on time;

c. holding and documentation of the General Meeting of Shareholders;

d. organisation and documentation of the Directors and/or Board of Commissioners Meetings; and

e. implementation of company orientation programs for Directors and/or Board of Commissioners.

7. As a liaison between the Issuer and shareholders, OJK and other stakeholders.

Functions of Investor Relations

The Bank continues to build a good image through the development of relations with investors/analysts, both interactively and periodically delivering information, especially related to the Bank’s performance. Submission of information is done through analyst meeting activities and other communication media, including the Bank’s website at www.briagro.co.id.

The main function of Investor Relations is to foster good relations and interact with investors, the capital market and shareholders, which include:1. Development of communication strategies especially related

to investors, potential investors, analysts, fund managers, and the capital market community in general.

2. Preparation of presentation material for quarterly financial performance, analyst meeting implementation, and teleconference.

3. Communication of the Bank’s performance with external parties such as investors, fund managers, and potential investors.

4. Maintaining good relations with investors, fund managers, analysts and rating agencies.






5. Koordinasi penyusunan, penerbitan, dan distribusi Laporan Tahunan (Annual Report) kepada seluruh pemangku kepentingan.

Struktur Organisasi Sekretaris Perusahaan

Struktur Organisasi Divisi Sekretariat Perusahaan berdasarkan Surat Keputusan No.Kpts. 13/Dir.01.05/CMG/08/2019 tanggal 7 Agustus 2019. Kepala Divisi Sekretariat Perusahaan dibantu oleh Wakil Kepala Divisi yang membawahi 2 (dua) Kepala Bagian dan 1 (satu) Grup.

Masing-masing membawahi fungsi sebagai berikut:1. Kepala Bagian Corporate Communication & Branding yang

membawahi:1.1 Staf Corporate Communication & CSR1.2 Staf Corporate Branding

1.3 Pelaksana2. Kepala Bagian Corporate Affairs yang membawahi:

2.1 Staf Corporate Affairs2.2 Pelaksana Corporate Affairs2.3 Sekretariat Direksi

3. Grup Hubungan Investor

Divisi Sekretariat PerusahaanCorporate Secretariat Division

Bagian Corporate AffairsCorporate Affairs Group

Bagian Corporate Communication & BrandingCorporate Communication & Branding Group

GroupInvestor Relation

Pelaksanaan Tugas Tahun 2019

Pelaksanaan tugas Sekretaris Perusahaan pada tahun 2019 terkait dengan:

1. Aktivitas Bank sebagai Perusahaan Terbuka:A. Melaksanakan Keterbukaan Informasi kepada masyarakat

secara elektronik melalui Sistem Pelaporan Elektronik dan IDXnet maupun non elektronik, termasuk pelaporan-pelaporan kepada Regulator sehubungan status Bank sebagai perusahan terbuka yang menjadi kewenangan unit kerja Sekretariat Perusahaan, meliputi :

5. Coordination of the preparation, issuance and distribution of the Annual Report to all stakeholders.

Corporate Secretary Organisational Structure

Organizational Structure of the Corporate Secretariat Division based on Decree No. Kpts. 13/Dir. 01.05/CMG/08/2019 dated on August 7, 2019. The Head of the Corporate Secretariat Division is assisted by Deputy Head of Divisions who oversees 2 (two) Division Heads and 1 (one) Group.

Each supervises the following functions:1. Head of Corporate Communication & Branding Division in

charge of:1.1 Corporate Communication & CSR Staff1.2 Corporate Branding Staff1.3 Implementing

2. Head of Corporate Affairs in charge of:2.1 Corporate Affairs Staff2.2 Implementing Corporate Affairs2.3 Secretariat of the Directors

3. Investor Relations Group

Duties Enforcement in 2019

The implementation of the duties of the Corporate Secretary in 2019 is related to:

1. Bank Activities as a Public Company:A. Conducting Electronic Information Disclosure to the public

through the Electronic and IDXnet and non-electronic Reporting System, including reporting to the Regulator regarding the Bank’s status as an open company which is the authority of the Company’s Secretariat work unit, including:






Uraian Pelaksanaan Tugas tahun 2019Duties Enforcement Description in 2019

JANUARIJANUARY

TanggalDate

UraianDescription

3 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 31 Desember 2018. Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk. December 31, 2018.

14 Laporan Penggunaan Dana Hasil Penawaran Umum PUT VIIIReport on the Use of Proceeds from Public Offering of LPO VIII

25 Ringkasan Risalah Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga TbkSummary of Minutes of the Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

25 Penyampaian Bukti Iklan Hasil Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga TbkSubmission of Advertisement Evidence on the Results of the Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

30 Perubahan Internal AuditChanges in Audit Internal

FEBRUARIFEBRUARY

TanggalDate

UraianDescription

6 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 31 Januari 2019.Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk. January 31, 2019.

6 Keterbukaan Informasi berkaitan dengan Hasil RUPSLB dan Pemberitahuan Perubahan Data PerseroanInformation Disclosure relating to the EGMS Results and Notification of Changes in Company Data

19 Pemberitahuan Rencana Rapat Umum Pemegang Saham Tahunan PT Bank Rakyat Indonesia Agroniaga TbkAnnouncement of the Annual General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

19 Penyampaian Bukti Iklan Pemberitahuan Rapat Umum Pemegang Saham Tahunan PT Bank Rakyat Indonesia Agroniaga TbkSubmission of Advertisement Evidence of Announcement of Annual General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

MARETMARCH

TanggalDate

UraianDescription

4 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 28 Februari 2019.Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk. Period 28 February 2019.

6 Panggilan Rapat Umum Pemegang Saham Tahunan PT Bank Rakyat Indonesia Agroniaga Tbk.Invitation to the Annual General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk.

6 Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang Saham Tahunan PT Bank Rakyat Indonesia Agroniaga Tbk. Submission of Advertisement Evidence of Notice for Annual General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk.

6 Penyampaian Bukti Iklan Laporan Keuangan Tahunan PT Bank Rakyat Indonesia Agroniaga Tbk. yang berakhir pada tanggal 31 Desember 2018 Submission of Advertisement Evidence of the Annual Financial Statements of PT Bank Rakyat Indonesia Agroniaga Tbk. which ends on December 31, 2018

9 Penyampaian Laporan Tahunan 2018 PT Bank Rakyat Indonesia Agroniaga Tbk.Submission of 2018 Annual Report PT Bank Rakyat Indonesia Agroniaga Tbk.

14 Laporan Hasil Pemeringkatan TahunanAnnual Ranking Reports

APRILAPRIL

TanggalDate

UraianDescription

1 Jadwal Dividen TunaiCash Dividend Schedule

1 Ringkasan Risalah Rapat Umum Pemegang Saham Tahunan PT Bank Rakyat Indonesia Agroniaga TbkSummary of Minutes of the Annual General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

1 Penyampaian Bukti Iklan Hasil Rapat Umum Pemegang Saham Tahunan PT Bank Rakyat Indonesia Agroniaga Tbk. Submission of Advertisement Evidence on the Results of the Annual General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk.

4 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 31 Maret 2019.Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk. March 31, 2019.







16 Pemberitahuan Rencana Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga TbkAnnouncement of PT Bank Rakyat Indonesia Agroniaga Tbk

16 Penyampaian Bukti Iklan Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga TbkSubmission of Advertisement Evidence of Announcement of Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

16 Keterbukaan Informasi Rencana Penambahan Modal dengan memberikan Hak Memesan Efek Terlebih Dahulu (HMETD) PT Bank Rakyat Indonesia Agroniaga Tbk Information Disclosure of Capital Increase Plans by granting Pre-emptive Rights of PT Bank Rakyat Indonesia Agroniaga Tbk

16 Penyampaian Bukti Iklan Lainnya Rencana Penambahan Modal dengan memberikan Hak Memesan Efek Terlebih Dahulu (HMETD) PT Bank Rakyat Indonesia Agroniaga Tbk Submission of Other Advertising Evidence Capital Addition Plan by granting Pre-emptive Rights (HMETD) of PT Bank Rakyat Indonesia Agroniaga Tbk

22 Keterbukaan Informasi yang perlu diketahui publik Pemberitahuan Audit Laporan Keuangan PT Bank Rakyat Indonesia Agroniaga Tbk posisi 31 Maret 2019Disclosure of information that the public needs to know about PT Bank Rakyat Indonesia Agroniaga Tbk’s Financial Statement Audit position as of March 31, 2019

29 Perubahan Komite Audit PT Bank Rakyat Indonesia Agroniaga TbkChanges in the Audit Committee of PT Bank Rakyat Indonesia Agroniaga Tbk

MEIMAY

TanggalDate

UraianDescription

2 Panggilan Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga Tbk.Invitation to the Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk.

2 Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga Tbk. Submission of Proof of Advertisement for Call for Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk.

7 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 30 April 2019.Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk period of April 30, 2019.

20 Penyampaian Bukti Iklan Laporan Keuangan Interim PT Bank Rakyat Indonesia Agroniaga Tbk posisi 31 Maret 2019 (Audited)Submission of Evidence of the Interim Financial Statement of PT Bank Rakyat Indonesia Agroniaga Tbk position March 31, 2019 (Audited)

20 Penyampaian Bukti Iklan Laporan Keuangan Interim PT Bank Rakyat Indonesia Agroniaga Tbk (KOREKSI) posisi 31 Maret 2019 (Audited)Submission of Advertisement Evidence of Interim Financial Statements of PT Bank Rakyat Indonesia Agroniaga Tbk (CORRECTION) as at March 31, 2019 (Audited)

22 Ralat Panggilan Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga TbkCorrecion for Summons for Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

22 Penyampaian Bukti Iklan Ralat Panggilan Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga TbkSubmission of Proof of Advertisement of Erroneous Call for Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

JUNIJUNE

TanggalDate

UraianDescription

10 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 31 Mei 2019.Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk. Period May 31, 2019.


28 Penyampaian Bukti Iklan Hasil Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga Tbk. Submission of Advertisement Evidence on the Results of the Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk.

JULIJULY

TanggalDate

UraianDescription

3 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 30 Juni 2019.Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk. June 30, 2019.








16 Keterbukaan Informasi yang perlu diketahui publik Pemberitahuan Audit Laporan Keuangan PT Bank Rakyat Indonesia Agroniaga Tbk posisi 30 Juni 2019Disclosure of information that the public needs to know about PT Bank Rakyat Indonesia Agroniaga Tbk’s Financial Statement Audit position as of June 30, 2019

17 Keterbukaan Informasi Prospektus Ringkas PT Bank Rakyat Indonesia Agroniaga TbkInformation Disclosure on Brief Prospectus of PT Bank Rakyat Indonesia Agroniaga Tbk

AGUSTUSAUGUST

TanggalDate

UraianDescription

5 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 31 Juli 2019.Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk. Period July 31, 2019.


15 Laporan Informasi dan Fakta MaterialReport of Information and Material Facts

15 Keterbukaan Informasi yang perlu diketahui publik Pemberitahuan Unaudit Laporan Keuangan PT Bank Rakyat Indonesia Agroniaga Tbk posisi 30 Juni 2019Disclosure of information that needs to be known by the public Unaudited Financial Statement of PT Bank Rakyat Indonesia Agroniaga Tbk position June 30, 2019

17 Penyampaian Bukti Iklan Laporan Keuangan PT Bank Rakyat Indonesia Agroniaga Tbk posisi 30 Juni 2019 (Unaudited)Submission of Advertisement Evidence of the Financial Statements of PT Bank Rakyat Indonesia Agroniaga Tbk position June 30, 2019 (Unaudited)

17 Keterbukaan Informasi atas Permintaan Tanggapan Pemberitaan di Media MassaInformation Disclosure on News Request Response in Mass Media

SEPTEMBERSEPTEMBER

TanggalDate

UraianDescription

4 Laporan Informasi dan Fakta Material Perubahan Susunan Direksi PT Bank Rakyat Indonesia Agroniaga TbkMaterial Information and Fact Report A Change in the Composition of the Directors of PT Bank Rakyat Indonesia Agroniaga Tbk

9 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 31 Agustus 2019.Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk. Period August 31, 2019.

9 Informasi Hutang/Pinjaman dalam Valuta Asing per tanggal 31 Agustus 2019Debt/Loan Information in Foreign Currencies as of August 31, 2019

12 Laporan Informasi dan Fakta Material Penunjukkan Pelaksana Tugas (Plt) Direktur Utama PT Bank Rakyat Indonesia Agroniaga TbkMaterial Information and Fact Report The Appointment of Acting (ACT) President Director of PT Bank Rakyat Indonesia Agroniaga Tbk

23 Pemberitahuan Rencana Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga TbkAnnouncement of PT Bank Rakyat Indonesia Agroniaga Tbk

30 Penyampaian Pengumuman Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga TbkSubmission of Announcement of Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

30 Penyampaian Bukti Iklan Pengumuman Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga TbkSubmission of Advertisement Evidence on Announcement of Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

OKTOBEROCTOBER

TanggalDate

UraianDescription

4 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 30 September 2019.Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk. September 30, 2019.

9 Informasi Hutang/Pinjaman dalam Valuta Asing per tanggal 30 September 2019Debt/Loan Information in Foreign Currencies as of September 30, 2019







15 Panggilan Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga Tbk.Invitation to the Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk.

15 Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga Tbk. Submission of Proof of Advertisement for Call for Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk.

25 Penyampaian Bukti Iklan Laporan Keuangan Interim PT Bank Rakyat Indonesia Agroniaga Tbk posisi 30 September 2019 (Unaudited)Submission of Advertisement Evidence of Interim Financial Statements of PT Bank Rakyat Indonesia Agroniaga Tbk position September 30, 2019 (Unaudited)

NOVEMBERNOVEMBER

TanggalDate

UraianDescription

1 Ralat Panggilan Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga TbkCorrection for Summons for Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

1 Penyampaian Bukti Iklan Ralat Panggilan Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga TbkSubmission of Proof of Advertisement of Erroneous Call for Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk

5 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 31 Oktober 2019.Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk. Period October 31, 2019.

5 Informasi Hutang/Pinjaman dalam Valuta Asing per tanggal 31 Oktober 2019.Debt/Loan Information in Foreign Currencies as of October 31, 2019.

8 Permintaan Informasi Terkait Pengendali Perusahaan TerbukaRequest for Information Regarding Public Company Controllers

15 Rencana Penyelenggaraan Public Expose PT Bank Rakyat Indonesia Agroniaga TbkPlans for Public Expose of PT Bank Rakyat Indonesia Agroniaga Tbk

22 Penyampaian Materi Public Expose PT Bank Rakyat Indonesia Agroniaga TbkSubmission of PT Bank Rakyat Indonesia Agroniaga Tbk’s Public Expose Material

28 Laporan Hasil Public Expose PT Bank Rakyat Indonesia Agroniaga TbkPublic Expose Report of PT Bank Rakyat Indonesia Agroniaga Tbk


29 Penyampaian Bukti Iklan Hasil Rapat Umum Pemegang Saham Luar Biasa PT Bank Rakyat Indonesia Agroniaga Tbk. Submission of Advertisement Evidence on the Results of the Extraordinary General Meeting of Shareholders of PT Bank Rakyat Indonesia Agroniaga Tbk.

29 Laporan Informasi dan Fakta Material Perubahan Susunan Dewan Komisaris dan Penunjukkan Pelaksana Tugas (Plt) Komisaris Utama PT Bank Rakyat Indonesia Agroniaga TbkMaterial Information and Fact Report A Change in the Composition of the Board of Commissioners and Appointment of Acting Commissioner of PT Bank Rakyat Indonesia Agroniaga Tbk

DESEMBERDECEMBER

TanggalDate

UraianDescription

5 Laporan Kepemilikan atau Perubahan Kepemilikan Saham Perusahaan TerbukaOwnership Report or Change in Ownership of Public Company Shares

9 Laporan Bulanan Registrasi Pemegang Efek PT Bank Rakyat Indonesia Agroniaga Tbk. Periode 30 November 2019.Monthly Report on Register of Securities Holders of PT Bank Rakyat Indonesia Agroniaga Tbk. November 30, 2019.

9 Informasi Hutang/Pinjaman dalam Valuta Asing per tanggal 30 November 2019Debt / Loan Information in Foreign Currencies as of November 30, 2019

17 Risalah Rapat Umum Pemegang Saham Luar BiasaMinutes of Extraordinary General Meeting of Shareholders






B. Menyelenggarakan dan mendokumentasikan Rapat Umum Pemegang Saham:

TanggalDate

KegiatanActivities


Rapat Umum Pemegang Saham Luar BiasaExtraordinary General Meeting of Shareholders

28 Maret 2019March 28, 2019

Rapat Umum Pemegang Saham Tahunan 20182018 Annual General Meeting of Shareholders

26 Juni 2019June 26, 2019




C. Menyelenggarakan kegiatan-kegiatannya lainnya yang berkaitan dengan Aksi Korporasi dan/atau keterbukaan informasi lainnya.

TanggalDate

KegiatanActivities


Public Expose kerja sama dengan MNC Sekuritas-FY 2018Public Expose in collaboration with MNC Sekuritas-FY 2018

3 Juli 2019July 3, 2019

Analyst Meeting - Q1 2019


Public Expose - Q3 2019

Membuat Presentasi Materi ALCO untuk Perkembangan Harga Saham dan Makro Ekonomi

No KegiatanActivities

TanggalDate

1. Rapat ALCO Mei 2019Meeting of ALCO in May 2019

20 Mei 2019May 20, 2019

2. Rapat ALCO Juni 2019Meeting of ALCO in June 2019

20 Juni 2019June 20, 2019

3. Rapat ALCO Juli 2019Meeting of ALCO in July 2019

19 Juli 2019July 19, 2019

4. Rapat ALCO Agustus 2019Meeting of ALCO in August 2019


5. Rapat ALCO September 2019Meeting of ALCO in September 2019

19 September 2019September 19, 2019

6. Rapat ALCO Oktober 2019Meeting of ALCO in October 2019


7. Rapat ALCO November 2019Meeting of ALCO in November 2019


8. Rapat ALCO Desember 2019Meeting of ALCO in December 2019


B. Organising and documenting the General Meeting of Shareholders:

C. Carrying out other activities related to Corporate Action and/or other information disclosure.

Making ALCO Material Presentations for Development of Share Prices and Macroeconomic






D. Menyusun Laporan Tahunan Tahun Buku 2018 serta menyampaikannya kepada Regulator terkait.

TanggalDate

KegiatanActivities


Penyampaian Laporan Tahunan 2018 PT Bank Rakyat Indonesia Agroniaga TbkSubmission of 2018 Annual Report PT Bank Rakyat Indonesia Agroniaga Tbk

E. Melaksanakan fungsi kepatuhan Bank terhadap peraturan-peraturan di bidang pasar modal.

2. Aktivitas Komunikasi Korporasi A. Menetapkan kebijakan dan strategi komunikasi Korporasi Dalam melaksanakan tugasnya, Divisi Sekretariat Perusahaan

perlu melakukan update kebijakan agar dapat mengikuti ketentuan dan perkembangan terkini. Berikut penyusunan kebijakan yang telah dilaksanakan oleh Divisi Sekretariat Perusahaan:

TanggalDate

KegiatanActivities

28 Juni 2019June 28, 2019

Surat Edaran No. SE 58A/DIR.01.03/SKP/KPP/6/2019 tentang Pengelolaan Informasi Perusahaan, Media Sosial dan Website PT Bank Rakyat Indonesia Agroniaga Tbk.

Circular No. SE 58A/DIR.01.03/SKP/KPP/6/2019 concerning Management of Company Information, Social Media and the Website of PT Bank Rakyat Indonesia Agroniaga Tbk.

B. Melakukan aktivitas komunikasi yang bersifat korporasi kepada pemangku kepentingan internal maupun eksternal Korporasi antara lain:1) Melaksanakan pemberitaan dan iklan di media massa

termasuk media online. BRI Agro mengeluarkan Siaran Pers untuk

menginformasikan berbagai kegiatan yang dijalankan, baik yang terkait dengan kinerja Bank maupun kegiatan lainnya, meliputi:

Daftar Siaran Pers BRI Agro Tahun 2019List of BRI Agro Press Releases for 2019

No TanggalDate

Judul Siaran PersPers Conference Title


BRI Agro Gelar Rapat Umum Pemegang Saham Luar BiasaBRI Agro held the Extraordinary General Meeting of Shareholders


Kejutan Poin Agrotama Berhadiah Emas BatanganAgrotama Surprise Points Prizes Gold Bars


BRI Agro Launching Aplikasi Pinjaman Digital PINANGBRI Agro Launches PINANG Digital Loan Application

4 11 Maret 2019March 11, 2019

Tingkatkan Basis Nasabah, BRI Agro melaksanakanan Customer Gathering PINANG di BatamAdvancing Customer Base, BRI Agro carries out PINANG Customer Gathering in Batam

5 28 Maret 2019March 28, 2019

Rapat Umum Pemegang Saham Tahunan, BRI Agro memutuskan pembagian DevidenAnnual General Meeting of Shareholders, BRI Agro decides dividend distribution

D. Compiling Annual Report for Fiscal Year 2018 and submit it to the relevant Regulator.

E. Carrying out the Bank's compliance function with capital market regulations.

2. Corporate Communication ActivitiesA. Establish corporate communication policies and strategies In carrying out its duties, the Corporate Secretariat Division

needs to update its policies so that they can follow the latest regulations and developments. The following is the formulation of policies implemented by the Corporate Secretariat Division:

B. Conducting corporate communication activities to corporate internal and external stakeholders, including:

1) Carry out news and advertisements in the mass media including online media.

BRI Agro issues a Press Release to inform various activities carried out, both related to the Bank’s performance or other activities, including:







No TanggalDate

Judul Siaran PersPers Conference Title

6 10 April 2019April 10, 2019

Sinergi BRI Agro dan Bank BRI Luncurkan Co-Branding Kartu KreditSynergy BRI Agro and Bank BRI Launch Credit Card Co-Branding

7 21 Mei 2019May 21, 2019

Berbagi di Bulan Ramadan, BRI Agro Menyantuni Anak YatimCharity in the Month of Ramadan, BRI Agro Supports Orphans

8 23 Mei 2019May 23, 2019

Salurkan Pinjaman Berbasis Digital, Bank BRI Agro Jalin Kerjasama dengan Lion Air GroupDistributing Digital-Based Loans, BRI Agro Bank Corrobarets with Lion Air Group

9 26 Juni 2019June 26, 2019

BRI Agro Adakan Rapat Umum Pemegang Saham Luar Biasa untuk Rencanakan Right IssueBRI Agro Holds Extraordinary General Meeting of Shareholders to Plan Right Issues

10 30 Agustus 2019August 30, 2019

BRI Agro Siap Naikkan Dana Murah Melalui Virtual AccountBRI Agro Ready to Raise Cheap Funds through Virtual Account


BRI Agro Launching Program Kejutan Poin Agrotama di HUT ke-30BRI Agro Launches Agrotama Points Shock Program at the 30th Anniversary


Rayakan Hari Ulang Tahun Ke-30, Direksi BRI Agro Mengajar ke SekolahCelebrating the 30th Anniversary, BRI Agro Directors Teaches School


BRI Agro dipercaya Kementerian Koperasi dan UKM untuk Penyaluran KURBRI Agro is trusted by the Ministry of Cooperatives and SMEs for KUR Distribution


BRI Agro jadi 50 Emiten Terbaik 2019 Versi Forbes IndonesiaBRI Agro becomes 50 Best Issuers 2019 Version of Forbes Indonesia


BRI Agro Gelar RUPSLB dan Public Expose BRI Agro Holds EGMS and Public Expose


BRI Agro Raih Penghargaan IT Work dan Tempo Financial Award BRI Agro Wins IT Work Award and Tempo Financial Award


BRI Agro Jalin Kolaborasi dengan BRI dan Start Up pada Acara Innovation LabBRI Agro Collaborates with BRI and Start Up at the Innovation Lab


BRI Agro Raih Penghargaan Indonesia Trusted Companies Awards 2019BRI Agro Wins Indonesia Trusted Companies Awards 2019

19 19 Desember 2019Deember 19, 2019

BRI Agro Menandatangani Perjanjian Kerja Sama Operasional dengan PPDPP Kemen-PUPRBRI Agro Signs an Operational Cooperation Agreement with PPDPP Kemen-PUPR


Belum Setahun, Penyaluran PINANG BRI Agro Berhasil Melampaui Rp28 MiliarBRI Agro PINANG Distribution Successfully Exceeds Rp28 Billion in Less Than a Year

2) Melaksanakan tindakan antisipatif dan korektif atas setiap pemberitaan dan iklan di media massa termasuk media online.

3) Mendukung unit-unit kerja terkait dalam penyelesaian keluhan nasabah.

4) Melaksanakan pengelolaan Website Bank bersama-sama dengan Unit Kerja terkait.

TanggalDate

KegiatanActivities


Launching Website Tampilan BaruLaunching a New Look Website

5) Melaksanakan fungsi pengelolaan risiko yang meliputi proses identifikasi, pengukuran, pemantauan dan pengendalian manajemen risiko reputasi.

2) Carrying out anticipatory and corrective actions on every news and advertisement in mass media including online media.

3) Supporting work units involved in resolving customer complaints.

4) Carrying out management of the Bank Website together with relevant Work Units.

5) Carrying out risk management functions which include the process of identifying, measuring, monitoring and controlling reputation risk management.






C. Mengadakan dan melaksanakan kegiatan tertentu (event/acara/sponsorship) sebagai pelaksanaan strategi komunikasi yang bersifat korporasi serta pengelolaan reputasi/risiko reputasi.

TanggalDate

KegiatanActivities


Media Visit Bisnis Indonesia


Media Visit CNBC Indonesia


Media Visit Kumparan


Media Visit Investor Daily

TanggalDate

KegiatanActivities

23 Mei 2019May 23, 2019

Business Gathering- Buka Puasa Bersama


Investor Gathering - Company Update


Redaktur Gathering


BRI Group Gathering - Futsal Tournament

D. Meliput aktivitas kegiatan seremonial korporasi.


TanggalDate

1. RUPS LB di Kantor Pusat BRI AgroEGMS in BRI Agro Head Office


2. Launching PINANG di SoloLaunching PINANG in Solo


3. RUPS Tahunan di Kantor Pusat BRI AgroAGMS in BRI Agro Head Office

28 Maret 2019March 28, 2019

4. Penandatanganan Kerja Sama dengan DAPENBUN di Kantor Pusat BRI AgroSigning of Cooperation with DAPENBUN at BRI Agro Headquarters

15 April 2019April 15, 2019

5. Penandatanganan kerja Sama dengan Lion Air di Kantor Pusat Lion AirSigning of cooperation with Lion Air at Lion Air Headquarters

23 Mei 2019May 23, 2019

6. Santunan anak yatim di Kantor Pusat BRI Agro Donations for orphans at BRI Agro Headquarters

21 Mei 2019May 21, 2019

7. Business Gathering - Buka Puasa Bersama NasabahBusiness Gathering - Fastbreaking with Customers

23 Mei 2019May 23, 2019

8. RUPS di Kantor Pusat BRI AgroAGMS in BRI Agro Head Office

26 Juni 2019June 26, 2019

9. Investor Gathering - Company Update di Hotel Ritz Carlton Jakarta 19 Agustus 2019August 19, 2019

10. Media Gathering di Jakarta 21 Agustus 2019August 21, 2019

C. Organising and carrying out certain activities (events/sponsorship) as the implementation of corporate communication strategies and reputation management/reputation risk.

D. Covering corporate ceremonial activities.







TanggalDate

11. Media visit Di Kantor Redaksi KUMPARAN Media Visit in KUMPARAN Redaksi Office


12. CSR “Direksi Mengajar” di BOGORCSR “Direksi Mengajar” in BOGOR


13. CSR “Direksi Mengajar” di KABAN JAHE MEDAN CSR “Direksi Mengajar” in KABAN JAHE MEDAN


14. CSR “Direksi Mengajar” di SURAKARTACSR “Direksi Mengajar” in SURAKARTA


15. CSR “Direksi Mengajar” di MALANGCSR “Direksi Mengajar” in MALANG


16. Launching “KEJUTAN POIN AGROTAMA” dan Acara Opening AGROLYMPIC ke 30Launching “ KEJUTAN POIN AGROTAMA “ and the 30th AGROLYMPIC Opening Event


17. Acara tumpengan syukuran HUT BRI Agro 30Tumpengan celebration event BRI Agro 30th Anniversary


18. CSR MANGROVE “Peduli Lingkungan “ di Pantai Sederhana Muara Gembong – BekasiMANGROVE CSR “ Peduli Lingkungan “ at Pantai Sederhana Muara Gembong - Bekasi


19. JALAN SEHAT acara “Family Day 2019” di Corporate UniversityEvent of JALAN SEHAT “Family Day 2019” in Corporate University


20. Launching Produk Internet Banking, Website & Virtual Account di Corporate UniversityLaunching Internet Banking Products, Websites & Virtual Accounts at Corporate University


21. Memperingati hari besar Sumpah PemudaCommemorate the day of Youth Pledge


22. Penandatanganan Kerja Sama dengan AYO KITASigning of Cooperation with AYO KITA


23. RUPSLB BRI Agro di Kantor Pusat BRI AgroEGMS of BRI Agro in BRI Agro Head Office


24. Juara 2 dalam keikutsertaan acara SPORTARTCULAR BRI ke 124 di BRI Pusat2nd place in the 124th BRI SPORTARTCULAR event at BRI Pusat


3. Aktivitas KesekretariatanA. Menyelenggarakan dan mendokumentasikan Rapat Direksi

dan Rapat Dewan Komisaris.B. Mengadministrasikan dokumen perusahaan termasuk

mengatur atau menetapkan peraturan tentang persuratan dan pengelolaan dokumen Perusahaan termasuk mendistribusikan seluruh surat masuk yang ditujukan kepada Perseroan atau Unit Kerja terkait untuk ditindaklanjuti.

C. Melaksanakan kegiatan-kegiatan untuk mendukung fungsi dan kegiatan kerja Dewan Komisaris dan Direksi.

D. Melaksanakan kegiatan pengamanan dan pengawalan/protokoler (pejabat BRI Agro) Direksi dan Dewan Komisaris di kantor/tempat dinas, perjalanan/acara dan kediamanan.

4. Aktivitas Corporate Social Responsibility (CSR) Melaksanakan kegiatan baik yang merupakan pelaksanaan

program pemerintah maupun dengan bekerjasama dengan pihak ketiga seperti Program Kemitraan dan Bina Lingkungan dan pemberian sumbangan atau donasi sehubungan dengan bencana alam.

3. Secretariat ActivitiesA. Organizing and documenting Board of Directors Meetings

and Board of Commissioners Meetings.B. Administering the Company’s documents including

regulating or stipulating regulations regarding the correspondence and management of Company documents, including distributing all incoming letters addressed to the Company or related Work Units for follow up.

C. Carrying out activities to support the functions and work activities of the Board of Commissioners and Directors.

D. Carrying out security activities and escort/protocol (BRI Agro officials) Directors and Board of Commissioners in the office / place of service, travel / events and residence.

4. Corporate Social Responsibility (CSR) Activities Carrying out activities that are both the implementation of

government programs and in collaboration with third parties such as the Partnership and Community Development Program and donations or donations related to natural disasters.






TanggalDate

KegiatanActivities

Sepanjang TW 1/2019During Quarter 1/2019

Pemberian Santunan Renovasi Rumah IbadahProvision of Worship Renovation House Benefits

21 Mei 2019May 21, 2019

Buka Puasa Bersama Anak Yatim dan Pemberian SantunanFastbreaking with the orphans and Charity


Direksi Mengajar - SMP Taman Dewasa Bogor


Direksi Mengajar - SMAN 1 Kabanjahe Medan


Direksi Mengajar - SMAN 1 Surakarta


Direksi Mengajar - SMA Kristen Dempo Malang


Pelestarian Lingkungan Penanaman 1000 Pohon Mangrove - Pantai Sederhana Muara Gembong Environmental Conservation Planting 1000 Mangrove Trees - Pantai Sederhana Muara Gembong


Peduli Pendidikan Pemberian Alat Sekolah ke SD Mekar Jaya Caring for Education Providing School Tools to Mekar Jaya Elementary School

Pengembangan Kompetensi

Pengembangan kompetensi melalui pendidikan dan pelatihan Sekretaris Perusahaan dilakukan sesuai dengan fungsi dan tugasnya sebagai penghubung dengan pihak-pihak eksternal. Sepanjang tahun 2019, Sekretaris Perusahaan telah mengikuti berbagai Pelatihan/Workshop/Seminar antara lain:

No PelatihanTraining

PenyelenggaraOrganiser

TanggalDate

TempatVenue

1. Refreshment Sertifikasi Manajemen Risiko Level I - IV.Refreshment of Risk Management Certification Level I - IV.

Efektif Pro 8 Agustus 2019August 8, 2019

Gedung BRI Agro Lantai 3BRI Agro Building 3rd Floor

2. Training Leadership BRI Agro - Divisi MSDMBRI Agro - HRM Division



3. Pendidikan Rencana Aksi Keuangan Berkelanjutan (RAKB).Education Sustainable Financial Action Plan (RBD).

BRI Agro - Trisakti Sustainability Center



Competence Development

Competency development through education and training of the Corporate Secretary is carried out in accordance with its functions and duties as a liaison with external parties. Throughout 2019, the Corporate Secretary has participated in DIVERSE Training/Workshops/Seminars including:






SATUAN KERJA AUDIT INTERNINTERNAL AUDIT WORK UNIT

Audit Intern merupakan bagian dari sistem pengendalian intern dengan ruang lingkup pekerjaan audit intern yang mencakup pemeriksaan dan penilaian atas kecukupan dan efektivitas sistem pengendalian intern bank serta penilaian kinerja yang bertujuan memberikan keyakinan bahwa pengendalian telah berjalan seperti yang ditetapkan.

Dengan perannya sebagai Third line of defense, Satuan Kerja Audit Internal BRI Agro harus memastikan bahwa pengendalian Internal di setiap line of defense semakin kuat dan matang sesuai dengan ketentuan dan peraturan. Oleh karena itu SKAI terus melakukan inovasi dalam penggunaan metodologi serta tools audit sehingga pelaksanaan audit lebih efektif dan efisien.

Piagam Audit Internal

Piagam Audit Internal merupakan pedoman tata laksana kerja internal audit Perseroan yang memuat visi dan misi, fungsi dan ruang lingkup kerja, tanggung jawab, kewenangan, akuntabilitas, independensi, dan kode etik dari SKAI. Piagam Audit Internal ditinjau dan diperbarui secara berkala sesuai kebutuhan organisasi.

Piagam Audit Internal telah direview ulang berdasarkan SK Direksi No.Kpts.R.78/Dir.01.02/SKAI/05/2019 tanggal 21 Mei 2019 tentang Piagam Audit Intern PT Bank Rakyat Indonesia Agroniaga Tbk sebagai revisi dari Surat Keputusan No.Kpts B.38/DIR.01.02/SKAI/01/tanggal 29 Januari 2016 tentang Revisi Piagam Audit, dan Revisi dari SK Dir no 20/Dir.01.02/ SKAI/VII/2013 tanggal 23 Juli 2013 tentang Piagam Audit Intern.

Piagam Audit Intenal mengatur pelaksanaan audit serta pedoman untuk memastikan: 1. Risiko telah diidentifikasi dan dikelola secara tepat. 2. Interaksi dengan berbagai grup governance telah berjalan

dengan baik.3. Informasi penting mengenai keuangan, manajerial dan

operasional adalah akurat, dapat dipercaya dan tepat waktu. 4. Tindakan pekerja sesuai dengan kebijakan, hukum dan peraturan

yang berlaku. 5. Sumber daya diperoleh secara ekonomis dan digunakan secara

efisien serta diproteksi dengan memadai. 6. Program, rencana dan sasaran tercapai dengan baik. 7. Kualitas dan perbaikan berkesinambungan telah melekat di

dalam proses pengendalian BRI Agro. 8. Peraturan perundang-undangan yang berpengaruh secara

signifikan terhadap BRI Agro, diketahui dan dipatuhi secara tepat. 9. Kesempatan untuk memperbaiki pengendalian manajemen,

keuntungan, dan reputasi BRI Agro, diidentifikasi dan diungkapkan dalam pemeriksaan.

Internal Audit is part of the internal control system with the scope of internal audit work which includes examining and evaluating the adequacy and effectiveness of the bank’s internal control system as well as performance appraisals aimed at providing confidence that the controls have been running as specified.

With its role as the Third line of defense, BRI Agro’s Internal Audit Work Unit must ensure that internal control in each line of defense is stronger and more mature in accordance with the rules and regulations. Therefore SKAI continues to innovate in the use of audit methodologies and tools so that the audit is more effective and efficient.

Internal Audit Charter

The Internal Audit Charter is a guideline for the Company’s internal audit work procedures that contains the vision and mission, functions and scope of work, responsibilities, authority, accountability, independence, and code of ethics of the Internal Audit Unit. The Internal Audit Charter is regularly reviewed and updated according to the needs of the organization.

The Internal Audit Charter was re-reviewed based on Directors' Decree No.Kpts.R.78 / Dir.01.02 / SKAI / 05/2019 dated May 21, 2019 concerning the Internal Audit Charter of PT Bank Rakyat Indonesia Agroniaga Tbk as a revision No.Kpts B.38/DIR.01.02/SKAI/01/January 29, 2016 concerning Revision of the Audit Charter, as a Revision of the Decree of Director No. 20 /Dir.01.02/SKAI/VII/2013 dated on July 23, 2013, concerning Internal Audit Charter.

The Internal Audit Charter governs the conduct of audits as well as guidelines to ensure:1. Risks have been identified and managed, appropriately.2. Interactions with various governance groups have been going

well.3. Important financial, managerial and operational information

is accurate, reliable and timely.4. Actions of workers in accordance with policies, laws and

regulations in force.5. Resources are obtained economically and used efficiently and

are adequately protected.6. Programs, plans and targets are achieved well.7. Quality and continuous improvement are inherent in the BRI

Agro control process.8. Legislation and regulations that significantly influence BRI

Agro, are known and appropriately adhered to.9. Opportunities to improve BRI Agro’s management control,

profits, and reputation are identified and disclosed during the audit.






Profil Pejabat Audit Internal

Pengangkatan Kepala SKAI telah dilaporkan kepada Otoritas Jasa Keuangan, melalui surat No.B.17/SKP/KPP/2019 tanggal 30 Januari 2019 perihal Laporan Pengangkatan dan Pemberhentian Kepala SKAI PT Bank Rakyat Indonesia Agroniaga Tbk.

Profile of Internal Audit Executive

Appointment of the Head of the Internal Audit Unit has been reported to the Financial Services Authority, through letter No.B.17/SKP/KPP/ 2019 dated on January 30, 2019 concerning the Appointment and Dismissal Report of the Head of the Internal Audit Unit of PT Bank Rakyat Indonesia Agroniaga Tbk.

Ayahanita Kussetyaningsih

Kepala Satuan Kerja Audit InternalHead of Internal Audit Unit

UsiaAge



Indonesia

DomisiliDomicile

Jakarta


· Sarjana Hukum dari Fakultas Hukum Universitas Indonesia (1991).· Bachelor of Laws from the Faculty of Law, University of Indonesia (1991).


· Auditor Bidang Audit KP, KCK, UKLN dan Perusahaan Anak Bank BRI (2002-2007)

· Senior Account Officer Kantor Cabang Khusus Bank BRI (2007-2011)· Kepala Bagian BRI Agro (2013)· Group Head Restrukturisasi dan Penyelamatan Kredit Bermasalah Kanwil

Banten Bank BRI (2013-2016)· Kepala Bagian Audit Intern Kantor Pusat Bank BRI (2016-2019)· Kepala Satuan Kerja Audit Intern BRI Agro (2019 - saat ini)

· Auditors for KP, KCK, UKLN and BRI Bank Subsidiaries (2002-2007)· Senior Account Officer of BRI Bank Special Branch Offices (2007-2011)· Head of BRI Agro Section (2013)· Troubled Group Head Restructuring and Rescuing Credit Regional Office

Banten Bank BRI (2013-2016)· Head of Internal Audit Division of BRI Bank Headquarters (2016-2019)· Head of BRI Agro Internal Audit Work Unit (2019 - present)


Tidak adaNone


Keputusan Direksi nomor Kpts. R.21/Dir.01.02/SDM/01/2019 tanggal 23 Januari 2019 yang telah disetujui oleh Dewan Komisaris sesuai surat nomor 04/DK-I/2019 tamggal 16 Januari 2019 perihal Persetujuan Penggantian Kepala SKAI.

Decree of the Board of Directors No. Kpts. R.21/Dir.01.02/SDM/01/2019 dated on January 23, 2019 which has been approved by the Board of Commissioners pursuant to letter number 04/DK-I/2019 dated on January 16, 2019 concerning Approval of Replacement of SKAI Heads.






Pihak yang Mengangkat dan Memberhentikan Kepala Audit Internal

Pemimpin SKAI diangkat dan diberhentikan oleh Direktur Utama dengan persetujuan Dewan Komisaris dan/atau Komite Audit, selanjutnya dilaporkan ke Bank Indonesia/Otoritas Jasa Keuangan.


Sesuai dengan yang tercantum pada Piagam Audit Internal, tugas dan tanggung jawab SKAI BRI Agro adalah sebagai berikut: 1. Menyusun rencana audit tahunan berdasarkan metodologi

berbasis risiko, dan menyampaikan rencana audit tahunan kepada Direksi dan kepada Dewan Komisaris melalui Komite Audit untuk mendapatkan persetujuan.

2. Mengimplementasikan rencana audit tahunan yang disetujui, termasuk tugas khusus atau proyek yang diminta oleh Direksi atau oleh Dewan Komisarismelalui Komite Audit.

3. Memastikan tersedianya jumlah staf audit yang cukup dengan pengetahuan, keahlian, dan pengalaman yang memadai serta bersertifikasi profesional untuk melaksanakan audit.

4. Melakukan aktivitas audit dan memberikan penilaian atas efisiensi dan efektivitas di bidang keuangan, akuntansi, operasional, sumber daya manusia, pemasaran, teknologi informasi dan kegiatan lainnya.

5. Membuat laporan hasil audit dan menyampaikan laporan tersebut kepada pihak yang diaudit dengan tembusan kepada Presiden Direktur, Direktur Kepatuhan dan unit lain yang berkepentingan serta kepada Dewan Komisaris melalui Komite Audit.

6. Secara periodik melaporkan kepada Direksi dan Dewan Komisaris melalui Komite Audit mengenai tujuan, kewenangan, dan tanggung jawab, serta kinerja aktivitas SKAI dibandingkan dengan perencanaannya. Pelaporan juga meliputi eksposur risiko yang signifikan dan masalah pengendalian.

7. Membuat laporan semester tentang pelaksanaan pokok-pokok audit ke Otoritas Jasa Keuangan, paling lambat 2 bulan setelah berakhirnya periode.

8. Melaporkan secara khusus kepada Otoritas Jasa Keuangan, temuan SKAI yang secara signifikan dapat mengganggu kelangsungan usaha BRI Agro.

9. Melaporkan kepada Otoritas Jasa Keuangan, hasil kaji ulang pihak ekstern yang memuat pendapat tentang hasil kerja SKAI dan kepatuhan terhadap SPFAIB serta perbaikan yang dapat dilakukan.

10. Melaksanakan follow-up atas temuan dan rekomendasi audit. Seluruh temuan audit yang signifikan akan tetap berstatus “belum memadai” sampai temuan diselesaikan.

11. Menginformasikan status tindakan perbaikan atas temuan audit dan rekomendasi hasil audit, kepada Direksi dan kepada Dewan Komisaris melalui Komite Audit.

Party Appointing and Discharging the Head of Internal Audit

SKAI leaders are appointed and dismissed by the President Director with the approval of the Board of Commissioners and/or Audit Committee, then reported to Bank Indonesia/the Financial Services Authority.


As stated in the Internal Audit Charter, the duties and responsibilities of BRI Agro SKAI are as follows:1. Preparing an annual audit plan based on a risk-based

methodology, and submit an annual audit plan to the Directors and to the Board of Commissioners through the Audit Committee for approval.

2. Implementing the approved annual audit plan, including specific tasks or projects requested by the Board of Directors or by the Board of Commissioners through the Audit Committee.

3. Ensuring the availability of sufficient number of audit staff with sufficient knowledge, expertise and experience as well as professional certification to carry out the audit.

4. Conducting audit activities and provide an assessment of the efficiency and effectiveness in the fields of finance, accounting, operations, human resources, marketing, information technology and other activities.

5. Making an audit report and submit the report to the auditee with a copy to the President Director, Compliance Director and other interested units and to the Board of Commissioners through the Audit Committee.

6. Periodically report to the Board of Directors and the Board of Commissioners through the Audit Committee regarding the objectives, authorities, and responsibilities, as well as the performance of SKAI activities compared to its planning. Reporting also includes significant risk exposures and control issues.

7. Making a semester report on the implementation of audit points to the Financial Services Authority, no later than 2 months after the end of the period.

8. Reporting specifically to the Financial Services Authority, SKAI findings that can significantly disrupt BRI Agro’s business continuity.

9. Reporting to the Financial Services Authority (FSA), the results of the external party review which contain opinions about the work of the Internal Audit Unit and compliance with SPFAIB and any improvements that can be made.

10. Carrying out follow-up on audit findings and recommendations. All significant audit findings will remain “inadequate” until the findings are completed.

11. Informing the status of corrective actions on audit findings and recommendations on audit results, to the Directors and to the Board of Commissioners through the Audit Committee.






12. Menginformasikan kepada Divisi MSDM atas indikasi fraud yang diidentifikasi oleh Audit Intern.

13. Membuat dan menyimpan kertas kerja pemeriksaan yang memadai sesuai peraturan yang berlaku.

14. Melaksanakan quality assurance yang mencakup seluruh aspek aktivitas Audit Intern, meliputi evaluasikepatuhan Audit Intern terhadap definisi Internal Audit and Standards, serta evaluasi apakah auditor menerapkan kode etik.

15. Dalam hal implementasi Tata Kelola Terintegrasi dan peran BRI Agro sebagai anggota Konglomerasi PT Bank Rakyat Indonesia Tbk. yang telah memiliki SKAI, dengan tanggung jawab menyusun dan menyampaikan laporan pelaksanaan tugas dan tanggung jawab SKAI kepada SKAI PT Bank Rakyat Indonesia Tbk.

Ruang Lingkup Audit Intern

Ruang lingkup pekerjaan Audit Intern mencakup audit dan evaluasi atas efektivitas dari proses manajemen risiko, kecukupan, efektivitas sistem pengendalian intern dan efektivitas tata kelola usaha yang menjadi tanggung jawab Manajemen Lini.

Adapun lingkup audit oleh Satuan Kerja Audit Intern (SKAI), yaitu: 1. Audit Kantor Pusat Melaksanakan kegiatan audit serta pemberian konsultasi

terhadap unit kerja di Kantor Pusat untuk memastikan kecukupan dan efektivitas pengendalian intern, manajemen risiko dan GCG.

2. Audit Kantor Cabang. Melaksanakan kegiatan audit serta pemberian konsultasi

terhadap Kantor Cabang termasuk Kantor Cabang Pembantunya untuk memastikan kecukupan dan efektivitas pengendalian intern, manajemen risiko dan GCG.

Struktur Organisasi Audit Internal dan Jumlah Pegawai

Dalam susunan struktur organisasi Bank BRI Agro, SKAI bertanggung jawab langsung kepada Direktur Utama serta dapat berkomunikasi langsung dengan Komite Audit dan Dewan Komisaris dalam berkoordinasi akan hal-hal yang terkait dengan pelaksanaan dan hasil audit. Sebagaimana ditetapkan dalam Keputusan Direksi nomor Kpts B.02/Dir.04.05/ DCM/04/2018 tanggal 2 April 2018 Tentang Penetapan Organisasi Satuan Kerja Audit Intern dengan bagan sebagai berikut:

12. Informing the HRM Division of indications of fraud identified by Internal Audit.

13. Making and storing adequate inspection work papers in accordance with applicable regulations.

14. Carrying out quality assurance covering all aspects of Internal Audit activities, including evaluating the compliance of Internal Audit with the definition of Internal Audit and Standards, as well as evaluating whether the auditor applies a code of ethics.

15. In terms of implementing Integrated Governance and the role of BRI Agro as a member of the Conglomerate of PT Bank Rakyat Indonesia Tbk. who already have an Internal Audit Unit, with the responsibility to prepare and submit reports on the implementation of the Internal Audit Unit’s duties and responsibilities to the Internal Audit Unit of PT Bank Rakyat Indonesia Tbk.

Scope of Internal Audit

The scope of Internal Audit’s work includes auditing and evaluating the effectiveness of the risk management process, the adequacy, effectiveness of the internal control system and the effectiveness of corporate governance which is the responsibility of Line Management.

The scope of the audit by the Internal Audit Work Unit (SKAI), namely:1. Head Office Audit Carrying out audits and provide consultation to work units in

the Head Office to ensure the adequacy and effectiveness of internal control, risk management and GCG.

2. Audit of the Branch Office. Carrying out audits and provide consultations with Branch

Offices including Assistance Branch Offices to ensure the adequacy and effectiveness of internal control, risk management and GCG.

Organisation Structure of Internal Audit and Total Employees

In the organisational structure of Bank BRI Agro, SKAI is directly responsible to the President Director and can communicate directly with the Audit Committee and the Board of Commissioners in coordinating matters related to the implementation and results of the audit. As stipulated in the Decree of the Board of Directors Kpts number B.02/Dir.04.05/DCM/04/2018 dated on April 2, 2018 concerning the Determination of the Organization of the Internal Audit Work Unit with the following chart:






Komposisi Personel SKAI

No JabatanPosition

Jumlah PekerjaTotal Employees

1 Kepala SKAIHead of Internal Audit unit

1

2 Wakil Kepala SKAIDeputy Head of Internal Audit Unit

1

3 Kepala Grup Auditor*Head of Group Auditor

3

4 Kepala Bagian St. Kualitas dan LaporanHead Division of Quality and Report Standard

0

5 Auditor 6

6 Auditor St. Kualitas dan LaporanAuditor of Quality and Report Standard

1

7 Auditor TI*Auditor IT

1

8 Audit Support 1

9 Resident Auditor* 8

Total 22

Sertifikasi Sebagai Profesi Audit Internal

Pada tahun 2019, personil Satuan Kerja Audit Internal BRI Agro yang mendapatkan sertifikasi dari Lembaga Sertifikasi Profesi Perbankan (LSPP) dan Ikatan Auditor Intern Bank (IAIB) sebanyak 2 (dua) orang.

Composition of Internal Audit Unit Personnel

Certification as an Internal Audit Professional

In 2019, BRI Agro Internal Audit Work Unit personnel were certified by the Banking Professional Certification Institute (LSPP) and the Bank Internal Auditor Association (IAIB) by 2 (two) people.

DEWAN KOMISARIS

DIREKTUR UTAMA

KOMITE AUDIT

GROUP HEAD I

AUDITOR &RESIDENT AUDITOR

GROUP HEAD II


GROUP HEAD III


GROUP HEAD TI

AUDITOR TI

GROUP HEAD STANDARKUALITAS DAN LAPORAN

STANDARKUALITAS DAN LAPORAN

& FUNGSI SUPPORT

DIREKTUR KEPATUHAN

KEPALA SKAIWAKIL KEPALA SKAI






Pelaksanaan Tugas Tahun 2019

No Unit Kerja/AplikasiWork Unit/Application

Tanggal Pelaksanaan AuditDate of Audit Implementation

Jumlah Risk IssueTotal Risk Issues

Major Moderate

1. Kanca BandungBranch Office Bandung

14 s.d 25 Januari 2019January 14 to 25, 2019

2 10

2. Kanca SemarangBranch Office Semarang


1 17

3. Kanca MakassarBranch Office Makassar


1 6

4. Kanca PekanbaruBranch Office Pekanbaru

11 Februari s.d 01 Maret 2019February 11 to March 1, 2019

1 18

5. SKN BI BI RTGS BI ETP 12 Maret - 22 Maret 2019March 12 to 22, 2019

0 6

6. Kanca PalembangBranch Office Palembang

11 s.d 22 Maret 2019March 11 to 22, 2019

2 9

7. Kanca JambiBranch Office Jambi

11 s.d 22 Maret 2019March 11 to 22, 2019

2 15

8. Kanca Jakarta KuninganBranch Offcie Jakarta Kuningan

09 April s.d 3 Mei 2019April 9 to May 3, 2019

3 15

9. Desk Treasury 12 s.d 22 April 2019April 12 to 22, 2019

1 4

10. Divisi OperasionalDivision of Operating

30 April s.d 16 Mei 2019April 30 to May 16, 2019

0 6

11. Kanca BalikpapanBranch Office Balikpapan

06 s.d 15 Mei 2019May 6 to 15, 2019

2 4

12. Kanca LampungBranch Office Lampung

14 s.d 24 Mei 2019May 14 to 24, 2019

3 19

13. Kanca MedanBranch Office Medan

19 Juni s.d 10 Juli 2019June 19 to July 10, 2019

3 11

14. Kanca PontianakBranch Office Pontianak

16 s.d 20 Juli 2019July 16 to 20, 2019

4 12

15. Kanca Utama (KCU)Main Branch Office

05 s.d 20 Agustus 2019August 5 to 20, 2019

2 6

16. Kanca Rantau PrapatBranch Office Rantau Prapat

15 s.d 23 Agustus 2019August 15 to 23, 2019

1 12

17. Divisi Bisnis Menengah IIntermediate Business Division I

13 s.d 28 Juni 2019June 13 to 28, 2019

0 6

18. Divisi Bisnis Menengah IIIntermediate Business Division I

18 Juni s.d 30 Juli 2019June 18 to July 30, 2019

0 5

19. Desk ADK 07 s.d 22 Agustus 2019August 7 to 22, 2019

0 6

20. Kanca BintaroBranch Office Bintaro

10 s.d 30 September 2019September 10 to 30, 2019

1 11

21. Kanca BogorBranch Office Bogor

26 Sept s.d 11 Oktober 2019September 26 to October 11, 2019

2 12

22. Kanca CikarangBranch Office Cikarang

09 s.d 25 Oktober 2019October 9 to 26, 2019

3 12

23. Kanca SoloBranch Office Solo

04 s.d 11 November 2019November 4 to 11, 2019

1 10

Implementation of Tasks in 2019






No Unit Kerja/AplikasiWork Unit/Application

Tanggal Pelaksanaan AuditDate of Audit Implementation

Jumlah Risk IssueTotal Risk Issues

Major Moderate

24. Kanca SurabayaBranch Office Surabaya

28 Oktober s.d 8 November 2019October 28 to November 8, 2019

0 17

25. Divisi Bisnis Ritel KemitraanPartnership Retail Business Division

01 s.d. 20 November 2019November 1 to 20, 2019

0 11

26. Divisi Pengendalian Risiko KreditCredit Risk Control Division

27 November s.d. 17 Desember 2019November 27 to December 17, 2019

1 6

27. Divisi KMRHHRM Division

18 November s.d. 06 Desember 2019November 18 to December 6, 2019

3 11

Audit TI

28. SKN BI BI RTGS BI ETP 12 Maret s.d. 22 Maret 2019March 12 to 22, 2019

0 6

29. LAS 24 Juli s.d 16 Agustus 2019July 24 to August 16, 2019

0 8

30. SIM ASSET 25 November s.d. 13 Desember 2019November 25 to December 13, 2019

0 5

31. LKPBU

32. Assessment Internet Banking 1April s.d 12 April 2019April 1 to 12, 2019

Tidak terdapat temuan karena berupa assessment.

There are no findings due t to these are in the form of assessment.

33. Assessment Host to Host 15 Juli s.d 26 Juli 2019July 15 to 26, 2019

34. Assessment Virtual Account 21 Oktober s.d 30 Oktober 2019October 21 to 30, 2019

35. Assessment Kartu debit JalinAssessment debit card Jalin

1 November s.d 11 November 2019November 1 to 11, 2019






AKUNTAN PUBLIKPUBLIC ACCOUNTANT

Fungsi pengawasan independen terhadap aspek keuangan Bank dilakukan dengan melaksanakan pemeriksaan Audit Eksternal yang dilakukan oleh Kantor Akuntan Publik (KAP). Auditor Eksternal yang memeriksa laporan keuangan Bank tahun buku 2018 ditetapkan melalui RUPS Tahunan berdasarkan rekomendasi dari Dewan Komisaris dan Komite Audit. Proses pemilihannya dilakukan sesuai dengan mekanisme pengadaan barang dan jasa yang berlaku. Untuk menjamin independensi dan kualitas hasil pemeriksaan, Auditor Eksternal yang ditunjuk. Pada tahun 2019 BRI Agro telah menunjuk Kantor Akuntan Publik Purwantono, Sungkoro, & Surja (Ernst & Young) untuk memeriksa buku-buku Perseroan tahun buku 2019.

Kebijakan Penunjukan Akuntan Publik

Berdasarkan Pasal 6 Peraturan OJK No. 6/POJK.03/2015 tentang Transparansi dan Publikasi Laporan Bank telah diatur bahwa Laporan Keuangan posisi akhir bulan Desember yang diumumkan secara triwulanan dan tahunan wajib diaudit oleh Akuntan Publik yang terdaftar di OJK.

Pembatasan penggunaan jasa audit atas informasi historis tahunan dari Akuntan Publik yang sama paling lama untuk 3 (tiga) tahun buku berturut-turut, hal ini sesuai dengan Peraturan OJK nomor 13/POJK.03/2017 tentang Penggunaan Jasa Akuntan dan Kantor Akuntan Publik dalam Kegiatan Jasa Keuangan tanggal 27 Maret 2017.

Nama dan Tahun Kantor Akuntan Publik Serta Akuntan Publik yang Melakukan Audit Laporan Keuangan Tahunan Selama 5 (Lima) Tahun Terakhir

TahunYear

Kantor Akuntan PublikPublic Accountant Firm

Nama Akuntan (Partner PenanggungJawab)

Accountant Name(Partner in Charge)

PeriodePeriod Fee (Rp)

Izin KAPPublic Accountant Firm

Permission

2019 KAP Purwantono, Sungkoro dan Surja (Ernst & Young)

Muhammad Kurniawan 1 tahun1 year

1.190.000.000 603/KM.1/2015


Danil Setiadi Handaja, CPA 1 tahun1 year

1.100.000.000 603/KM.1/2015


Danil Setiadi Handaja, CPA 1 tahun1 year

1.015.000.000 603/KM.1/2015


Yasir 1 tahun1 year

940.000.000 603/KM.1/2015


Sinarta 1 tahun1 year

910.000.000 603/KM.1/2015

The function of independent oversight of the financial aspects of the Bank is carried out by carrying out an External Audit conducted by the Public Accountant Office (KAP). External auditors who examine the Bank’s financial statements for the 2018 fiscal year are determined through the Annual GMS based on recommendations from the Board of Commissioners and the Audit Committee. The selection process is carried out in accordance with the applicable procurement mechanism for goods and services. To guarantee the independence and quality of the examination results, an External Auditor is appointed. In 2019 BRI Agro appointed Purwantono, Sungkoro & Surja (Ernst & Young) Public Accountants to examine the Company’s books for fiscal year 2019.

Policy on Appointment of Public Accountants

Based on Article 6 of FSA Regulation No. 6/POJK.03/2015 concerning Transparency and Publication of Bank Reports has stipulated that the Financial Statements at the end of December which are announced quarterly and annually must be audited by a Public Accountant registered with FSA.

Limitation on the use of audit services on annual historical information from the same Public Accountant for a maximum of 3 (three) consecutive financial years, this is in accordance with OJK Regulation number 13/POJK.03/2017 concerning Use of Accountant Services and Pulik Accountant Offices in Activities Financial Services on March 27, 2017.

Name and Year of the Public Accountant Firm and Public Accountant Conducting an Audit of the Annual Financial Statements for the Last 5 (Five) Years






Jasa Lain yang Diberikan Kantor Akuntan Publik dan Akuntan Publik Selain Jasa Audit Laporan Keuangan Tahunan Pada Tahun Buku Terakhir

Selama tahun 2019, Kantor Akuntan Publik Purwantono, Sungkoro dan Surja (Ernst & Young) memberikan jasa lainnya kepada Perseroan berupa Financial Audit untuk keperluan Penawaran Umum Terbatas dengan fee sebesar Rp1,5 miliar.

Other Services Provided by Public Accounting Firms and Public Accountants Apart from Audit Services for Annual Financial Statements for the Last Fiscal Year

During 2019, Purwantono, Sungkoro and Surja (Ernst & Young) Public Accountant Firms provided other services to the Company in the form of Financial Audit for the purpose of Limited Public Offering with a fee of Rp1.5 billion.

BRI Agro menetapkan Sistem Pengendalian Intern sebagai komponen pengawasan yang penting dalam pengelolaan Bank dan menjadi acuan kegiatan operasional Bank yang sehat dan terkendali.

Sistem Pengendalian Intern mendukung pencapaian tujuan kinerja Bank, untuk meningkatkan nilai bagi stakeholder, meminimalisir risiko kerugian dan menjaga kepatuhan pada ketentuan dan peraturan penundang-undangan yang berlaku.

BRI Agro menerapkan Sistem Pengendalian Intern yang mengacu pada COSO (Committee of the Sponsoring Organizations of the Treadway Commission) – Internal Control Integrated Framework dalam menyusun kerangka kerja pengendalian intern yang memastikan kecukupan pengendalian operasional maupun finansial, pelaporan keuangan, efektivitas dan efisiensi operasional, serta kepatuhan terhadap hukum dan peraturan yang berlaku.

Penerapan Sistem Pengendalian Intern dan Kesesuaian dengan COSO - Internal Control Framework

Pengendalian intern BRI Agro diterapkan atas dua aspek yaitu pengendalian operasional dan pengendalian keuangan. Pengendalian intern atas operasional dan Pelaporan Keuangan Bank dijalankan dengan mengacu pada acuan internasional COSO- Internal Control Integrated Framework.

Dalam COSO disebutkan bahwa pengendalian internal merupakan sistem atau proses yang dijalankan oleh Dewan Komisaris, Direksi, Manajemen serta pekerja dalam sebuah perusahaan, untuk menyediakan jaminan yang memadai demi tercapainya tujuan pengendalian.

BRI Agro establishes the Internal Control System as an important component of supervision in the management of the Bank and serves as a reference for the Bank’s healthy and controlled operational activities.

The Internal Control System supports the achievement of the Bank’s performance goals, to increase value for stakeholders, minimize the risk of loss and maintain compliance with applicable rules and regulations.

BRI Agro implements an Internal Control System that refers to the COSO (Committee of the Sponsoring Organizations of the Treadway Commission) - Internal Control Integrated Framework in compiling an internal control framework that ensures adequate operational and financial control, financial reporting, operational effectiveness and efficiency, and compliance against applicable laws and regulations.

Implementation of Internal Control Systems and Conformity with COSO - Internal Control Framework

BRI Agro’s internal control is implemented on two aspects, namely operational control and financial control. Internal control over operations and Financial Reporting of the Bank is carried out with reference to the international reference COSO - Internal Control Integrated Framework.

In COSO it is stated that internal control is a system or process carried out by the Board of Commissioners, Directors, Management and workers in a company, to provide adequate guarantees for the achievement of control objectives.

SISTEM PENGENDALIAN INTERNINTERNAL CONTROL SYSTEM






Menurut COSO, unsur-unsur pengendalian intern meliputi komponen-komponen sebagai berikut. 1. Lingkungan pengendalian; 2. Penilaian risiko; 3. Aktivitas pengendalian; 4. Informasi dan Komunikasi; 5. Kegiatan pemonitoran.

Unsur Pengendalian InternInternal Control Measures

KesesuaianSuitability

Lingkungan pengendalianControl environment

Dewan Komisaris, melalui Komite-Komite yang telah dibentuk secara berkala telah melakukan pengkajian atas lingkungan pengendalian dan melakukan penilaian secara independen yang dikomunikasikan kepada Direksi untuk ditindaklanjuti.

The Board of Commissioners, through the Committees that have been formed periodically, has conducted an assessment of the control environment and conducted an independent evaluation that is communicated to the Directors to be followed up.

Penilaian risikoRisk Assessment

Direksi telah menetapkan prosedur untuk mengantisipasi, mengidentifikasi dan menindaklanjuti kejadian dan kendala yang dapat berpengaruh terhadap pencapaian sasaran. Dewan Komisaris, melalui Komite Pemantau Risiko, memastikan bahwa Direksi telah melaksanakan pengelolaan risiko secara baik

The Board of Directors has established procedures to anticipate, identify and follow up on events and obstacles that can affect the achievement of targets. The Board of Commissioners, through the Risk Monitoring Committee, ensures that the Directors have carried out risk management, properly

Aktivitas pengendalianControl Activities

Kebijakan dan prosedur bagi unit-unit bisnis utama dan unit-unit pendukung telah disusun serta disetujui oleh Direksi yang secara berkala ditinjau dan diperbarui oleh Satuan Kerja Manajemen risiko. Satuan Kerja Kepatuhan bertanggung jawab untuk mensosialisasikan ketentuan perbankan yang berlaku, melakukan uji kepatuhan atas kebijakan internal baru serta usulan atas produk ataupun aktivitas baru, menerapkan program Anti Pencucian Uang (APU), Pencegahan Pendanaan Terorisme PPT) serta memonitor pelaksanaan kepatuhan yang diverifikasi oleh Unit Kerja Independen. Satuan Kerja Kepatuhan menyampaikan laporan kepatuhan secara berkala kepada Dewan Komisaris, Direksi dan Regulator. Pejabat Perusahaan secara berkala meninjau kembali keberadaan dan efektivitas pengendalian, melakukan pembagian tugas yang memadai, melakukan verifikasi rutin atas akurasi data serta memiliki dan menguji rencana penanganan kondisi darurat.

Policies and procedures for the main business units and supporting units have been prepared and approved by the Directors which are periodically reviewed and updated by the Risk Management Work Unit. The Compliance Work Unit is responsible for disseminating the applicable banking regulations, conducting compliance tests on new internal policies and proposals for new products or activities, implementing the Anti Money Laundering (APU) program, Preventing Terrorism Financing PPT) and monitoring compliance implementation which is verified by the Work Unit Independent. The Compliance Unit submits periodic compliance reports to the Board of Commissioners, Directors and Regulators. Company officials periodically review the existence and effectiveness of controls, carry out adequate division of tasks, carry out routine verification of data accuracy and have and test plans for handling emergencies.

Informasi dan KomunikasiInformation and Communication

Telah tersedia prosedur mengenai pengumpulan data dan teknologi informasi yang dapat menghasilkan laporan kegiatan usaha, kondisi keuangan, penerapan manajemen risiko dan pemenuhan ketentuan yang mendukung pemenuhan tugas Direksi dan Dewan Komisaris.

Procedures are available regarding data collection and information technology that can produce reports on business activities, financial conditions, application of risk management and compliance with regulations that support the fulfillment of the duties of the Board of Directors and the Board of Commissioners.

According to COSO, the elements of internal control include the following components.1. Control environment;2. Risk assessment;3. Control activities;4. Information and Communication;5. Monitoring activities.






Unsur Pengendalian InternInternal Control Measures

KesesuaianSuitability

Kegiatan pemonitoranMonitoring Activities

Direksi, Pejabat Bank dan SKAI melakukan pemantauan secara terus-menerus terhadap efektivitas keseluruhan pelaksanaan pengendalian intern. Pemantauan terhadap risiko utama telah diprioritaskan dan menjadi bagian dari kegiatan sehari-hari, termasuk evaluasi secara berkala.

The Board of Directors, Bank Officers and the Internal Audit Unit continuously monitor the effectiveness of the overall implementation of internal control. Monitoring of key risks has been prioritized and is part of daily activities, including periodic evaluations.

Direksi dan Dewan Komisaris berkomitmen untuk memastikan bahwa Tata Kelola Perusahaan dijalankan dengan baik sebagai dasar pencapaian tujuan untuk menjaga dan meningkatkan nilai Bank. Salah satu implementasi Tata Kelola Perusahaan yang baik adalah memastikan bahwa sistem pengendalian internal telah dilaksanakan secara memadai.

Direksi bertanggung jawab untuk menerapkan sistem pengendalian intern yang baik untuk mencapai tujuan Bank. Sistem pengendalian intern merupakan proses yang dijalankan oleh: 1. Direksi dan seluruh Pejabat Bank, yang memberikan arahan,

petunjuk dan pengawasan; 2. Komite Eksekutif; 3. Unit Bisnis sebagai Lapis Pertahanan Pertama (The First Line of

Defence).4. Satuan Kerja yang berfungsi sebagai Lapis Pertahanan Kedua

(The Second Line of Defence) dalam hal ini adalah Satuan Kerja Manajemen Risiko dan Satuan Kerja Kepatuhan.

5. SKAI sebagai Lapis Pertahanan Ketiga (The Third Line of Defence);6. Seluruh pekerja

The Board of Directors and Board of Commissioners are committed to ensuring that Good Corporate Governance is implemented as a basis for achieving the objectives to maintain and enhance the value of the Bank. One of the implementation of Good Corporate Governance is to ensure that the internal control system has been implemented, adequately.

The Board of Directors is responsible for implementing a good internal control system to achieve the Bank’s objectives. Internal control system is a process carried out by:1. Directors and all Bank Officers, who provide direction, direction

and supervision;2. Executive Committee;3. The Business Unit as the First Line of Defense.

4. The Work Unit that functions as the Second Line of Defense in this case is the Risk Management Work Unit and the Compliance Work Unit.

5. SKAI as the Third Line of Defense;6. All employees

External Auditor Review

Good Corporate Governance CORPORATE PLAN, RBB, RKA REVIEW

Governance BOD & BOC

Comply assurance

Review and compliance testing(comply with regulation)

InternalControl

Risk

BussinesProcess

Internal Policy& Procedures

(Guideline Of Bussiness)

Bussines Unit1st

Line

Compliance Unit2ndLine

Risk Management Unit2ndLine

Internal Audit Unit3rdLine

Regulator Review

4thLine

5thLine






Kedudukan Fungsi Kepatuhan Dalam Organisasi

Pelaksanaan Fungsi Kepatuhan Bank mengacu pada pada POJK nomor 46/POJK.03/2017 tentang Fungsi Kepatuhan Bank Umum yaitu yaitu mengelola langkah-langkah yang bersifat ex-ante (preventif ) untuk memastikan bahwa kebijakan, ketentuan, sistem dan prosedur, serta kegiatan usaha yang dilakukan oleh Bank telah sesuai dengan ketentuan Regulator dan peraturan perundang-undangan yang berlaku, serta memastikan kepatuhan Bank terhadap komitmen yang dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/atau otoritas pengawas lain yang berwenang.

Pedoman Operasional Kepatuhan

BRI Agro telah mempunyai Pedoman Operasional Kepatuhan sebagaimana Surat Keputusan Direksi No Kpts B.35/DIR.01.02/ KMRH/09/2016 tanggal 20 September 2016. dan dalam pelaksanaan salah satu tugas dan tanggung jawabnya, Bagian Kepatuhan melakukan pengujian prinsip kehati-hatian terhadap Putusan Kredit dan Non Kredit, Rencana Kebijakan Kredit dan Non Kredit serta Rencana Perjanjian Kerjasama yang ditandatangani Direksi yang dalam pelaksanaannya berpedoman pada Surat Edaran Direksi NoSE : B.12/DIR.01.02/KMRH/04/2017 tanggal 07 April 2017 tentang Pengujian Prinsip Kehati-hatian Terhadap Rencana Kebijakan dan atau Keputusan Direksi Serta Pemantauan Tindak Lanjut Hasil Pengujian oleh Direktur Kepatuhan PT Bank Rakyat Indonesia Agroniaga Tbk (Revisi Kedua).

Struktur Organisasi Kepatuhan

Fungsi Kepatuhan Perseroan dilaksanakan oleh Direktur Kepatuhan dan Divisi Kepatuhan, Manajemen Risiko, dan Hukum sesuai dengan Surat Keputusan Direksi Bank BRI Agro No. Kpts. B.08/Dir.04.05/DCM/02/2018 tanggal 08 Februari 2018 tentang Organisasi Divisi Kepatuhan, Manajemen Risiko dan Hukum yang strukturnya dapat digambarkan sebagai berikut:

FUNGSI KEPATUHANCOMPLIANCE FUNCTIONS

Position of Compliance Function in Organisations

The implementation of the Bank’s Compliance Function refers to POJK number 46/POJK.03/ 2017 concerning the Compliance Function of Commercial Banks, namely managing ex-ante (preventive) measures to ensure that policies, regulations, systems and procedures, and business activities are carried out by the Bank in accordance with the provisions of the Regulator and applicable laws and regulations, as well as ensuring the Bank’s compliance with commitments made by the Bank to the Financial Services Authority and/or other authorized regulatory authorities.

Compliance Operational Guidelines

BRI Agro already has Compliance Operational Guidelines as stated in the Decree of the Board of Directors No. Kpts B.35/DIR.01.02/KMRH/09/2016 dated on September 20, 2016. And in carrying out one of its duties and responsibilities, the Compliance Division carries out the principle of prudence testing of Credit and Non-Credit Decisions, Credit and Non-Credit Policy Plans and Cooperation Agreement Plans signed by the Directors which in their implementation are guided by the Directors’ Circular Letter NoSE: B.12/DIR.01.02/KMRH/04/2017 dated on April 7, 2017 concerning the Testing of Prudential Principles Attention to Policy Plans and/or Directors’ Decrees and Monitoring of Follow-Up to Testing Results by the Compliance Director of PT Bank Rakyat Indonesia Agroniaga Tbk (Second Revision).

Compliance Organisational Structure

The Company’s Compliance Function is carried out by the Compliance Director and the Compliance, Risk Management and Legal Division in accordance with Bank BRI Agro Decree No. Kpts. B.08/Dir.04.05/DCM/02/2018 dated on February 8, 2018 concerning the Organization of Compliance, Risk Management and Legal Division whose structure can be described as follows:






Profil Kepala Divisi Satuan Kerja Kepatuhan

Kepala Divisi Kepatuhan, Manajemen Risiko dan Hukum diangkat dan diberhentikan oleh Direktur Utama atas rekomendasi Direksi, dan bertanggung jawab langsung kepada Direktur Kepatuhan.

Profile of the Head of Compliance Work Division

The Head of Compliance, Risk Management and Legal Division is appointed and dismissed by the President Director on the recommendation of the Board of Directors, and reports directly to the Compliance Director.

DIREKTUR KEPATUHANDirector of Compliance

KEPALA DIVISIHead of Division

WAKIL KEPALA DIVISIVice Head of Division

BAGIAN KEPATUHANCompliance Division

BAGIAN MANAJEMEN RISIKORisk Management Division

BAGIAN HUKUMLegal Division

BAGIAN ANTI MONEYLAUNDERING (AML) DANPENGENALAN NASABAH

Customer Recognitionand AML Division

Vivery Ujiastuti

Kepala Divisi Kepatuhan, Manajemen Risiko dan HukumHead of Compliance, Risk Management and Legal Division

UsiaAge



Indonesia

DomisiliDomicile

Jakarta


· S1 Jurusan Ekonomi Universitas Kristen Satya Wacana, Salatiga (1989)· Bachelor Degree of Economic Department, Satya Wacana Christian

University, Salatiga (1989)


· Wakil Kepala Divisi Bisnis Umum (2013)· Deputy Head of General Business Division (2013)


Tidak AdaNone

Dasar Hukum Pengangkatan Legal basis of Appointment

• Keputusan Direksi nomor SK Direksi R. 17/ Dir.01.02/ MSDM/09/2015 tanggal 16 September 2015.

• Surat Keputusan Direksi Bank BRI Agro No. Kpts. B.08/Dir.04.05/DCM/02/2018 tanggal 08 Februari 2018

• Decree of the Board of Directors Decree number of Directors R. 17/Dir.01.02/MSDM/09/2015 dated on September 16, 2015.

• BRI Agro Board of Directors Decree No. Kpts. B.08/Dir.04.05/DCM/02/2018 dated on February 8, 2018







Tugas dan tanggung jawab Satuan Kerja Kepatuhan secara garis besar terbagi atas fungsi-fungsi sebagai berikut: 1. Mewujudkan terlaksananya Budaya Kepatuhan pada semua

tingkatan organisasi dan kegiatan usaha Bank; 2. Mengelola Risiko Kepatuhan yang dihadapi oleh Bank 3. Memastikan agar kebijakan, ketentuan, sistem dan prosedur

serta kegiatan usaha yang dilakukan oleh Bank telah sesuai dengan ketentuan OJK dan ketentuan peraturan perundang-undangan

4. Memastikan kepatuhan Bank terhadap komitmen yang dibuat oleh Bank kepada OJK dan/atau Otoritas pengawas lain yang berwenang.

Prinsip Kepatuhan

Pelaksanaan Fungsi Kepatuhan Bank mengacu pada pada POJK nomor 46/POJK.03/2017 tentang Fungsi Kepatuhan Bank Umum yaitu yaitu mengelola langkah-langkah yang bersifat ex-ante (preventif ) untuk memastikan bahwa kebijakan, ketentuan, sistem dan prosedur, serta kegiatan usaha yang dilakukan oleh Bank telah sesuai dengan ketentuan Regulator dan peraturan perundang-undangan yang berlaku, serta memastikan kepatuhan Bank terhadap komitmen yang dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/atau otoritas pengawas lain yang berwenang.

Rencana Kerja Satuan Kerja Kepatuhan

1. Penerapan budaya kepatuhan2. Sosialisasi dan implementasi kebijakan pengendalian

Gratifikasi3. Review dan update kebijakan internal

Pelaksanaan Tugas Satuan Kerja Kepatuhan

Secara garis besar, pelaksanaan tugas dan tanggung jawab Satuan Kerja Kepatuhan adalah meliputi hal-hal sebagai berikut:

1 Pemantauan Pelaksanaan Ketentuan Kehati-hatian

Monitoring the Implementation of Precautionary Provisions

Melakukan pemantauan terhadap seluruh indikator kepatuhan bank seperti BMPK, GWM, PDN, NPL

Monitor all bank compliance indicators such as BMPK, GWM, PDN, NPL

2 Pencegahan Penyimpangan Terhadap Ketentuan Kehati-hatian

Prevention of Deviations from the Precautionary Provisions

Melakukan pengujian prinsip kehati-hatian (uji kepatuhan) terhadap putusan kredit dan non kredit, rencana kebijakan kredit dan non kredit serta rencana perjanjian kerjasama yang akan dilakukan oleh Bank

Test the principle of prudence (compliance test) on credit and non-credit decisions, credit and non-credit policy plans, and cooperation agreement plans to be carried out by the Bank


The duties and responsibilities of the Compliance Unit are broadly divided into the following functions:1. Realising the implementation of Compliance Culture at all

levels of the organisation and business activities of the Bank; 2. Managing Compliance Risk faced by the Bank;3. Ensuring that the policies, provisions, systems and procedures

as well as business activities carried out by the Bank are in accordance with the provisions of the FSA and the provisions of the legislation;

4. Ensuring the Bank’s compliance with commitments made by the Bank to FSA and/or other authorised supervisory authorities.

Principles of Compliance

The implementation of the Bank’s Compliance Function refers to POJK number 46/POJK.03/ 2017 concerning the Compliance Function of Commercial Bank, namely managing ex-ante (preventive) measures to ensure that policies, regulations, systems and procedures, and business activities are carried out by the Bank in accordance with the provisions of the Regulator and applicable laws and regulations, as well as ensuring the Bank’s compliance with commitments made by the Bank to the Financial Services Authority and/or other authorised regulatory authorities.

Compliance Work Plan

1. Application of a culture of compliance2. Dissemination and implementation of Gratification control

policies3. Reviewing and updating internal policies

Implementation of Compliance Work Unit

Broadly speaking, the implementation of the duties and responsibilities of the Unit Compliance work includes the following matters:






3 Tanggapan, resume dan Analisa Dampak

Responses, resumes and Impact Analysis

Membuat tanggapan kepatuhanMenyusun resume atas terbitnya ketentuan eksternalMenyusun analisa dampak dari terbitnya ketentuan eksternal yang mempunyai dampak terhadap kelangsungan usaha Bank

Making compliance responsesCompiling a resume for the publication of external provisionsCompiling an analysis of the impact of the issuance of external provisionsHaving an impact on the business continuity of the Bank

4 Pemantauan Terhadap Komitmen

Monitoring of Commitments

Memantau seluruh komitmen Bank kepada pihak eksternal (OJK dan BPK) agar disampaikan sesuai dengan target date yang telah disepakati.

Monitoring all the Bank's commitments to external parties (FSA and BPK) to be delivered in accordance with the agreed target date.

5 Pengelolaan Risiko Kepatuhan

Compliance Risk Management

Melakukan evaluasi dan tindak lanjut terhadap sanksi/denda yang diberikan oleh pihak regulator kepada Bank agar tidak terulang kembali, salah satunya dengan membuat Aplikasi Report Monitoring.

Evaluating and following up on sanctions / fines given by regulators to the Bank so that they do not happen again, one of them is by making a Report Monitoring Application.

6 Perkembangan Pelaksanaan Program APU dan PPT

Development of APU and PPT Program Implementation

Menerapkan Risk Based Approach (RBA) untuk menentukan tingkat profil risiko Bank atas nasabah yang melakukan hubungan usaha dengan BankPengembangan sistem parameter Transaksi Mencurigakan

Implement a Risk Based Approach (RBA) to determine the level of the Bank's risk profile for customers conducting business relations with the Bank

7 Pengendalian Gratifikasi

Gratification Control

Menyusun kebijakan pengendalian gratifikasi dan mensosialisasikan kepada seluruh Pekerja Bank

Develop gratuity control policies and disseminate information to all Bank Workers

Indikator Kepatuhan 2019

A. Batas Maksimum Pemberian Kredit (BMPK) dan Penyediaan Dana kepada Pihak Terkait bulan Juni 2019 dan September 2019 sebagai berikut :

Bulan Juni 2019

Total Modal /Total Capital 4.563.970

Modal Inti/Core Capital 4.483.685

[%] Nominal Posisi/Position

BMPK Individual/BMPK Individual 25,00% 1.120.921 578.579

BMPK Kelompok Peminjam /BMPK Borrower Community 25,00% 1.120.921 915.000

BMPK Pihak Terkait/BMPK Related Party 10,00% 456.397 88.475

BMPK BUMN /BMPK SOEs 30,00% 1.369.191 500.000

Compliance Indicators in 2019

A. Maximum Lending Limits (LLL) and Provision Funds to Related Parties in June 2019 and September 2019 as follows:

June 2019 (Rp juta/million)






Bulan September 2019

Total Modal /Total Capital 4.496.621

Modal Inti/Core Capital 4.385.496

[%] Nominal Posisi/Position

BMPK Individual/BMPK Individual 25,00% 1.096.373,50 636.578

BMPK Kelompok Peminjam /BMPK Borrower Community 25,00% 1.096.373,50 1.084.464

BMPK Pihak Terkait/BMPK Related Party 10,00% 449.662,10 32.500

BMPK BUMN /BMPK SOEs 30,00% 1.348.986,30 429.000

Tidak terdapat pelanggaran atau pelampauan BMPK dalam penyediaan dana kepada Pihak Terkait maupun Pihak Tidak Terkait Bank.

B. Posisi Devisa Neto (PDN) Berdasarkan PBI No. 12/10/PBI/2010 tanggal 01 Juli 2010

tentang Perubahan Ketiga atas PBI No. 5/13/PBI/2003 tanggal 17 Juli 2003 tentang Posisi Devisa Neto (PDN) Bank Umum, diatur bahwa Posisi Devisa Neto paling tinggi 20% dari modal Bank. Berikut Posisi PDN bulan Juni 2019 dan September 2019:

UraianDescription

Bulan/MonthJuni/June 2019 September 2019

PDN 0,35% 0,47%

Tidak terdapat pelanggaran PDN

C. Pemantauan Kewajiban Penyediaan Modal Minimum (KPMM) Sesuai Laporan Profil Risiko Bank BRI Agro TW II tahun 2019

peringkat Profil Risiko Bank BRI Agro berada diperingkat 2 (low to moderate), oleh karena itu berdasarkan POJK No. 11/POJK.03/2016 tanggal 29 Januari 2016 tentang Kewajiban Penyediaan Modal Minimum Bank Umum, penyediaan modal minimum ditetapkan 9%-10% dari ATMR. Berikut posisi KPMM di bulan Juni 2019 dan September 2019 :

UraianDescription

Bulan/MonthJuni/June 2019 September 2019

KPMM 25,54% 24,35%

Kondisi KPMM masih diatas ketentuan minimal.

D. Pemantauan Rasio NPL NPL maksimal adalah sebesar 5% dari total Kredit Yang Diberikan

(KYD). Berikut perkembangan NPL untuk posisi bulan Bulan Juni 2019 dan September 2019:

UraianDescription

Juni/June 2019 September 2019RBB Realisasi/Realisation RBB Realisasi/Realisation

NPL (Nett) 2,15 % 2,06% 3,95% 4,86%

NPL (Gross) 2,95% 2,80 % 6,76% 7,51%

September 2019(Rp juta/million)

There is no violation or exceeding LLL in provision of funds to Related Parties or Parties No. Related to the Bank

B. Net Open Position (NOP) Based on PBI No. 12/10 / PBI / 2010 dated July 1, 2010 concerning

the Third Amendment to PBI No. 5/13 / PBI / 2003 date July 17, 2003 concerning Commercial Bank Net Open Position (NOP), it is stipulated that the Net Open Position is at a maximum of 20% of capital Bank. The following are the PDN positions in June 2019 and September 2019

There is no violation of PDN

C. Monitoring the Minimum Capital Requirement (KPMM) In accordance with the Bank BRI Agro TW II Risk Profile Report in 2019 BRI Agro's Risk Profile rating is rated 2 (low to moderate), therefore based on POJK No. 11 / POJK.03 / 2016 dated January 29, 2016 concerning Obligations Minimum Capital Supply for Commercial Banks, capital supply the minimum is set at 9%-10% of RWA. The following is the position of KPMM in June 2019 and September 2019:

KPMM conditions are still above the minimum provisions.

D. Monitoring the NPL Ratio The maximum NPL is 5% of the total Loans (KYD). The following

is the development of NPLs for the Moon positions June 2019 and September 2019:






E. Pemantauan Giro Wajib Minimum1) GWM Primer Rupiah GWM Primer Rupiah pada bulan September mengalami

perubahan berdasarkan PADG No. 21/14/PADG/2019 tentang Perubahan Kedua atas PADG No. 20/10/PADG/2018 tentang GWM Rupiah dan Valas Bagi Bank Umum Konvensional, Bank Umum Syariah dan Unit Usaha Syariah yang mulai berlaku tanggal 1 Juli 2019. Posisi GWM Primer Rupiah diuraikan sebagai berikut:

BulanMonth

Ketentuan GWMPrimer Rupiah

Posisi GWM BRI AgroBRI Agro GWM Position

Juni 2019

June 2019

Rata-rata 6,5% selama laporan tertentua. Secara harian 3,5% dari DPKb. Secara rata-rata untuk masa laporan tertentu 3% dari DPK

An average of 6.5% during certain reportsa. On a daily basis 3.5% of DPKb. On average for a given reporting period of 3% of DPK

a. 3,50%b. 3,18%

September 2019

September 2019

Rata-rata 6% selama laporan tertentua. Secara harian 3% dari DPKb. Secara rata-rata untuk masa laporan tertentu 3% dari DPK

An average of 6% during certain reportsa. On a daily basis 3% of DPKb. On average for a given reporting period of 3% of DPK

a. 3,00%b. 3,15%

2) GWM Sekunder Rupiah Sesuai Ketentuan GWM Sekunder Rupiah (Penyangga

Likuiditas (PLM) minimum 4 %).

Uraian/Description Juni/June 2019 September 2019

GWM Sekunder Rupiah 6,35% 6,12%

3) GWM Valas Sesuai ketentuan, GWM Valas ditetapkan sebesar 8% dari

DPK dalam valuta asing selama periode tertentu. GWM Valas di BRI Agro dapat digambarkan sebagai berikut:


GWM Valas 8,3% 8%

4) GWM RIM Giro LFR (Rasio Intermediasi Makroprudensial (RIM)) sebesar

perhitungan antara Parameter Disinsentif Bawah atau Parameter Disinsentif Atas dengan selisih antara RIM Bank dan RIM Target dengan memperhatikan KPMM Bank. RIM Target berkisar 80%-90% dengan KPMM Insentif 14%. Parameter Giro RIM adalah:- Parameter Disinsentif Bawah sebesar 0,1 (nol koma satu)- Parameter Disinsetif Atas sebesar 0,2 (nol koma dua)


GWM RIM 92,82% 92,87%

E. Minimum Mandatory Giro Monitoring1) Rupiah Primary GWM The rupiah primary reserve requirement experienced in

September changes based on PADG No. 21/14 / PADG / 2019 concerning the Second Amendment to PADG No. 20/10 / PADG / 2018 concerning GWM Rupiah and Foreign Exchange for Commercial Banks Conventional, Sharia Commercial Banks and Sharia Business Units which entered into force on July 1, 2019. Primary GWM position Rupiah is described as follows:

2) Secondary GWM in Rupiah In Accordance with Secondary Rupiah Statutory Reserves

Requirement Liquidity (PLM) minimum 4%).

3) Forex Reserves In accordance with the provisions, the Foreign Currency

Statutory Reserves are set at 8% of Deposits in foreign currencies for a certain period. GWM Forex at BRI Agro can be described as follows:

4) LFR LFR (Macroprudential Intermediation Ratio) of calculation

between the Lower Disincentive Parameters or Above Disincentive Parameter with the difference between RIM Bank and RIM Target by taking into account the Bank's KPMM. RIM Targets range from 80% -90% with KPMM Incentives of 14%. RIM Current Account parameters are:- Lower Disincentive Parameter of 0.1 (zero point one)- Upper Disinctive Parameter of 0.2 (zero point two)






Penerapan Program APU dan PPT mengacu pada POJK nomor 12/POJK.01/2017 tentang Penerapan APU dan PPT di Sektor Jasa Keuangan dan SE OJK nomor 32/SEOJK.03/2017 tentang Penerapan Program APU PPT di Sektor Perbankan, yang kemudian diwujudkan dalam peraturan internal di BRI Agro yang tertuang dalam Surat Keputusan No. Kpts B.23/Dir.01.02/KMRH/09/2017 tanggal 20 September 2017 tentang Pedoman Pelaksanaan Program APU & PPT.

Dalam rangka mendukung penerapan program APU dan PPT di BRI Agro, maka sesuai Surat Keputusan No. Kpts. B.08/ Dir.04.05/DCM/02/2018 tentang Organisasi Divisi Kepatuhan, Manajemen Risiko dan Hukum, telah ditetapkan Unit Kerja Khusus (UKK) sebagai unit yang bertanggung jawab terhadap penerapan Program APU dan PPT, yaitu Divisi Kepatuhan, Manajemen Risiko dan Hukum/Bagian Anti Money Laundering dan Pengenalan Nasabah.

The Implementation of APU and PPT Program refers to POJK number 12/POJK.01/2017 concerning the Implementation of APU and PPT in the Financial Services Sector and SE OJK number 32/SEOJK.03/2017 concerning the Implementation of the PPT APU Program in the Banking Sector, which is then manifested in regulations internally at BRI Agro as stipulated in Decree No. Kpts B.23/Dir.01.02/KMRH/09/2017 dated on September 20, 2017, concerning Guidelines for the Implementation of the AML & CFT Program.

In order to support the implementation of the AML and CFT programs in BRI Agro, according to Decree No. Kpts. B.08/Dir.04.05/DCM/02/2018 concerning the Organization of Compliance, Risk Management and Legal Division, has established a Special Work Unit (UKK) as the unit responsible for the implementation of the AML and CFT Program, namely the Compliance, Risk Management and Legal/Anti Money Laundering and Customer Introduction Section.

ANTI PENCUCIAN UANG DAN PENCEGAHAN PENDANAAN TERORISME (APU & PPT)ANTI MONEY LAUNDERING AND PREVENTION OF TERRORISM FUNDING (APU & PPT)






Sepanjang tahun 2019, BRI Agro menghadapi sejumlah permasalahan hukum yang ditangani baik oleh bagian hukum internal maupun yang ditangani oleh pengacara dari pihak luar Perseroan.

Berikut adalah rangkuman data permasalahan hukum BRI Agro ditinjau dari Perkara Hukum, Penanganan Perkara dan dampak terhadap Perseroan.

No Perkara HukumLawsuit

JumlahTotal

1 PerdataCivil

49

2 PidanaCrime

7

3 Tata Usaha NegaraState Administration

2

4 Sengketa KonsumenConsumer Disputes

4

5 PKPU dan KepailitanPKPU and Bankruptcy

9

Total 71

No Penanganan Perkara Case Handling

JumlahTotal

1 Pengadilan NegeriDistrict Court

31

2 Pengadilan TinggiHigh Court

8

3 Mahkamah AgungSupreme Court

19

4 Pengadilan Niaga Pada Pengadilan NegeriCommercial Court at the District Court

9

5 KepolisianPolice

3

6 KejaksaanAttorney

1

Total 71

No Dampak terhadap PerseroanImpacts to Company

JumlahTotal

1 Berdampak FinancialFinancial Impact

13

2 Tidak Berdampak FinancialNo Financial Impact

58

Total 71

During 2019, BRI Agro faced a number of legal issues that were handled by both the internal legal department and those handled by lawyers from outside the Company.

The following is a summary of BRI Agro’s legal issues data in terms of Legal Cases, Case Handling and impacts on the Company.

PERMASALAHAN HUKUM/LITIGASI PERUSAHAAN DAN ANAK PERUSAHAANLEGAL/LITIGATION PROBLEMS OF COMPANIES AND SUBSIDIARIES






Tidak ada perkara penting yang sedang dihadapi Entitas Anak, Dewan Komisaris dan Direksi.

There are no important cases facing the Subsidiaries, Board of Commissioners and Directors.

PERKARA PENTING YANG SEDANG DIHADAPI PERUSAHAAN, ENTITAS ANAK, DEWAN KOMISARIS, DAN DIREKSIIMPORTANT CASE FACED BY THE COMPANY, SUBSIDIRIES, BOARD OF COMMISSIONERS, AND DIRECTORS

SANKSI ADMINISTRASI YANG DITERIMA PERUSAHAANADMINISTRATIVE SANCTIONS RECEIVED BY THE COMPANY

Administrative sanctions received by the company during 2019 were 9 sanctions with a total penalty of Rp254,800,000.

Sanksi administrasi yang diterima perusahaan sepanjang tahun 2019 adalah 9 sanksi dengan total pengenaan denda sebesar Rp254.800.000.

Perseroan senantiasa berkomitmen untuk menerapkan nilai-nilai GCG, di antaranya melalui penerapan keterbukaan informasi baik secara internal maupun eksternal. Pengelolaan dan Keterbukaan akan informasi tentang Perusahaan sangat penting dalam membangun citra Perusahaan di mata publik khusunya para stakeholder. Oleh karenanya, BRI Agro berupaya untuk memberikan informasi yang aktual dan bermanfaat dengan memperhatikan ketentuan terkait data Perusahaan yang tergolong rahasia.

Penyediaan informasi bagi Pemegang Saham dan pemangku kepentingan dapat lebih lanjut diakses melalui:

Media Elektronik

Seiring dengan semakin bekembangnya BRI Agro, penggunaan teknologi informasi dan komunikasi (Information & Communication Technology/ICT) yang andal sangatlah dibutuhkan untuk mendukung penyampaian informasi kepada publik baik internal maupun eksternal. Teknologi Informasi (TI) menjadi penting dalam beberapa tahun terakhir sebab akses database elektronik menjadi salah satu

The Company is always committed to implementing GCG values, including through the implementation of information disclosure both internally and externally. Management and disclosure of information about the Company is very important in building the Company’s image in the public eye especially stakeholders. Therefore BRI Agro strives to provide actual and useful information by taking into account provisions relating to classified Company data.

Provision of information for Shareholders and stakeholders can be further accessed through:

Electronic Media

Along with the development of BRI Agro, the use of reliable information and communication technology (ICT) is needed to support the delivery of information to the public both internal and external. Information Technology (IT) has become important in recent years because electronic database access has become one of the important alternatives in meeting the needs of the

AKSES INFORMASI DAN DATA PERUSAHAANACCESS TO INFORMATION AND COMPANY DATA






community for information. Therefore the use of digital-based IT is an absolute demand in the development of BRI Agro’s communication media now and in the future.

Information about BRI Agro can be accessed through:Facebook : briagro Instagram : briagro.idTwitter : bankbriagro_idEmail : [email protected] : briagro.co.id

In addition, information on the development of BRI Agro shares and capital can also be accessed through the Indonesia Stock Exchange website (www.idx.co.id).

Corporate Secretariat

Corporate Secretariat DivisionBRI Agro Building 5th floorJl. Warung Jati Barat No. 139Tel. +62 21 7919 9980, +62 21 8066 7600Fax +62 21 7919 9950Email: [email protected] Center: Call BRI Agro 24 Hours - 1500494

Printed Media

Even though electronic media has now become an easy way to find information on print media, it is still one of BRI Agro’s information delivery tools, in addition to being a regulator, it also provides information to people in remote areas who have not been able to utilize electronic media. Some information and announcements of BRI Agro are conveyed through Investor Daily and several brochures on BRI Agro’s products and services as well as printed media in the form of brochures or leaflets.

Throughout 2019, BRI Agro announced the General Meeting of Shareholders, Credit Base Interest Rates and Financial Statements through 1 (one) print media with national circulation, as follows:

alternatif yang penting dalam pemenuhan kebutuhan masyarakat akan informasi. Karenanya penggunaan TI berbasis digital menjadi tuntutan mutlak dalam pengembangan media komunikasi BRI Agro saat ini dan di masa mendatang.

Informasi mengenai BRI Agro dapat diakses melalui:Facebook : briagro Instagram : briagro.idTwitter : bankbriagro_idEmail : [email protected] : briagro.co.id

Selain itu, informasi mengenai perkembangan saham dan permodalan BRI Agro juga dapat diakses melalui website Bursa Efek Indonesia (www.idx.co.id).

Sekretariat Perusahaan

Divisi Sekretariat Perusahaan Gedung BRI Agro lantai 5 Jl. Warung Jati Barat No. 139 Telp. +62 21 7919 9980, +62 21 8066 7600 Faks. +62 21 7919 9950 Email : [email protected] Call Center : Call BRI Agro 24 Jam - 1500494

Media Cetak

Meskipun media elektronik saat ini sudah menjadi kemudahan dalam mencari informasi media cetak tetap dijadikansalah satu sarana penyampaian informasi BRI Agro, selain menjadi aturan regulator juga memberikan informasi kepada masyarakat di pelosok yang belum dapat memanfaatkan media elektronik. Beberapa informasi dan pengumuman BRI Agro disampaikan melalui media cetak dan beberapa brosur mengenai produk dan layanan BRI Agro juga dalam media cetak berupa brosur ataupun leaflet.

Sepanjang tahun 2019 BRI Agro melakukan Pengumuman RUPS, Suku Bunga Dasar Kredit dan Laporan Keuangan melalui media cetak berperedaran nasional, sebagai berikut:

No IklanAdvertisement Media Tanggal

Date

1 Pengumuman Rapat Umum Pemegang Saham Luar biasaAnnouncement of Extraordinary General Meeting of Shareholders

Investor Daily 01-Nov-18Nov 1, 2018

2 Pengumuman Perubahan Tanggal RUPS LB BRI AgroAnnouncement of Changes to the Date of BRI Agro EGMS

Investor Daily 5 Desember 2018December 5, 2018






Press Conference

Throughout 2019, BRI Agro issued a Press Release to inform various activities carried out, both related to the Bank’s performance or other activities, as follows:

No IklanAdvertisement Media Tanggal

Date

3 Pengumuman Hasil Rapat Umum Pemegang Saham Luar BiasaAnnouncement of EGMS Result

Investor Daily 25 Januari 2019January 25, 2019

4 Pengumuman Rapat Umum Pemegang Saham TahunanAnnouncement of AGMS

Investor Daily 19 Februari 2019February 19, 2019

5 Pemanggilan Rapat Umum Pemegang Saham TahunanSummoning of AGMS

Investor Daily 6 Maret 2019March 6, 2019

6 Hasil Keputusan Rapat Umum Pemegang Saham TahunanAGMS Results

investor Daily 01-Apr-19April 1, 2019

7 Pemanggilan Rapat Umum Pemegang Saham Luar BiasaSummoning of EGMS

investor Daily 2 Mei 2019May 2, 2019

8 Perbaikan Ralat Pemanggilan Rapat Umum Pemegang Saham Luar BiasaRatification of EGMS Summoning Correction

Suara Pembaruan 23 Mei 2019May 23, 2019


investor Daily 22 Mei 2019May 22, 2019


Investor Daily 28 Juni 2019June 28, 2019


Investor Daily 30-Sep-19September 30, 2019

12 Pemanggilan Rapat Umum Pemegang Saham Luar biasaSummoning of EGMS

Investor Daily 15 Oktober 2019October 15, 2019

13 Ralat Pemanggilan Rapat Umum Pemegang Saham Luar Biasa Summoning Correction of EGMS

Investor Daily 01-Nov-19November 1, 2019

14 Hasil Keputusan Rapat Umum Pemegang Saham Luar BiasaEGMS Results

Investor Daily 29-Nov-19November 29, 2019

15 SBDK Maret 2019SBDK March 2019

investor Daily 31 Maret 2019March 31, 2019

16 SBDK Juni 2019SBDK June 2019

investor Daily 30 Juni 2019June 30, 2019

17 SBDK September 2019SBDK September 2019

investor Daily 30-Sep-19September 30, 2019

18 SBDK Desember 2019SBDK December 2019

investor Daily 31 Desember 2019December 31, 2019

19 Laporan Keuangan Triwulan IFinancial Statement Quarter I

Suara Pembaruan 20 Mei 2019May 20, 2019

20 Laporan Keuangan Triwulan IIFinancial Statement Quarter II

investor Daily 15 Agustus 2019August 15, 2019

21 Laporan Keuangan Triwulan IIIFinancial Statement Quarter III

Investor Daily 25 Oktober 2019October 25, 2019

Siaran Pers

Sepanjang tahun 2019 BRI Agro mengeluarkan Siaran Pers untuk menginformasikan berbagai kegiatan yang dijalankan, baik yang terkait dengan kinerja Bank maupun kegiatan lainnya, sebagai berikut:







No TanggalDate

Judul Siaran PersTitle of Press Release


BRI Agro Gelar Rapat Umum Pemegang Saham Luar BiasaBRI Agro Holds Extraordinary General Meeting of Shareholders


Kejutan Poin Agrotama Berhadiah Emas BatanganAgrotama Surprise Points Prizes Gold Bars


BRI Agro Launching Aplikasi Pinjaman Digital PINANGBRI Agro Launches PINANG Digital Loan Application

4 11 Maret 2019March 11, 2019

Tingkatkan Basis Nasabah, BRI Agro melaksanakanan Customer Gathering PINANG di BatamAdvancing Customer Base, BRI Agro carries out PINANG Customer Gathering in Batam

5 28 Maret 2019March 28, 2019

Rapat Umum Pemegang Saham Tahunan, BRI Agro memutuskan pembagian DevidenAnnual General Meeting of Shareholders, BRI Agro decides dividend distribution

6 10 April 2019April 10, 2019

Sinergi BRI Agro dan Bank BRI Luncurkan Co-Branding Kartu KreditSynergy BRI Agro and Bank BRI Launch Credit Card Co-Branding

7 21 Mei 2019May 21, 2019

Berbagi di Bulan Ramadan, BRI Agro Menyantuni Anak YatimCharity in the Month of Ramadan, BRI Agro Supports Orphans

8 23 Mei 2019May 23, 2019

Salurkan Pinjaman Berbasis Digital, Bank BRI Agro Jalin Kerjasama dengan Lion Air GroupDistributing Digital-Based Loans, BRI Agro Bank Corrobarets with Lion Air Group

9 26 Juni 2019June 26, 2019

BRI Agro Adakan Rapat Umum Pemegang Saham Luar Biasa untuk Rencanakan Right IssueBRI Agro Holds Extraordinary General Meeting of Shareholders to Plan Right Issues

10 30 Agustus 2019August 30, 2019

BRI Agro Siap Naikkan Dana Murah Melalui Virtual AccountBRI Agro Ready to Raise Cheap Funds through Virtual Account


BRI Agro Launching Program Kejutan Poin Agrotama di HUT ke-30BRI Agro Launches Agrotama Points Shock Program at the 30th Anniversary


Rayakan Hari Ulang Tahun Ke-30, Direksi BRI Agro Mengajar ke SekolahCelebrating the 30th Anniversary, BRI Agro Directors Teaches School


BRI Agro dipercaya Kementerian Koperasi dan UKM untuk Penyaluran KURBRI Agro is trusted by the Ministry of Cooperatives and SMEs for KUR Distribution


BRI Agro jadi 50 Emiten Terbaik 2019 Versi Forbes IndonesiaBRI Agro becomes 50 Best Issuers 2019 Version of Forbes Indonesia


BRI Agro Gelar RUPSLB dan Public Expose BRI Agro Holds EGMS and Public Expose


BRI Agro Raih Penghargaan IT Work dan Tempo Financial Award BRI Agro Wins IT Work Award and Tempo Financial Award


BRI Agro Jalin Kolaborasi dengan BRI dan Start Up pada Acara Innovation LabBRI Agro Collaborates with BRI and Start Up at the Innovation Lab


BRI Agro Raih Penghargaan Indonesia Trusted Companies Awards 2019BRI Agro Wins Indonesia Trusted Companies Awards 2019


BRI Agro Menandatangani Perjanjian Kerja Sama Operasional dengan PPDPP Kemen-PUPRBRI Agro Signs an Operational Cooperation Agreement with PPDPP Kemen-PUPR


Belum Setahun, Penyaluran PINANG BRI Agro Berhasil Melampaui Rp28 MiliarBRI Agro PINANG Distribution Successfully Exceeds Rp28 Billion in Less Than a Year






KODE ETIKCODE OF CONDUCTS

Sejak tahun 2011, Kode Etik Perseroan PT Bank Rakyat Indonesia Agroniaga Tbk mulai diberlakukan sebagai pedoman, tata cara etis, dan pola aturan yang berlaku didalam setiap kegiatan operasional Perseroan. Kode etik bagi seluruh pekerja dan pejabat manajemen berlaku wajib dipahami, ditaati dan dilaksanakan.

Perseroan juga memutakhirkan kebijakan mengenai Kode Etik Perseroan di dalam Lampiran Surat Keputusan No. KPTS B.32/Dir.01.03/KMRH/IX/2017 tanggal 28 September 2017 tentang Kebijakan Penerapan Tata Kelola Perusahaan yang Baik.

Kode Etik Bank BRI Agro

Setiap insan Bank bertanggung jawab untuk mewujudkan Kode Etik Bank ini ke dalam setiap perilaku mereka, Tanggung jawab untuk memonitor hubungan pribadi dan profesional terletak pada masing-masing Insan Bank sehingga tidak akan merugikan masing-masing insan yang bersangkutan ataupun Bank karena tingkah laku setiap Insan Bank mencerminkan etika bisnis Bank, oleh karena itu insan Bank diharuskan untuk:1. Patuh dan taat pada ketentuan perundang-undangan dan

peraturan yang berlaku; 2. Melakukan pencatatan yang benar mengenai segala transaksi

yang bertalian dengan kegiatan Bank 3. Menghindarkan diri dari persaingan yang tidak sehat 4. Memberikan pelayanan dan memuaskan nasabah. 5. Menghindarkan diri dari keterlibatan dalam pengambilan

keputusan dalam hal terdapat benturan kepentingan 6. Menjaga kerahasiaan Nasabah dan Bank.7. Memperhitungkan dampak yang merugikan dari setiap

kebijakan yang ditetapkan bank terhadap keadaan ekonomi, sosial dan lingkungan.

8. Tidak menerima hadiah atau imbalan yang memperkaya diri pribadi maupun keluarganya.

9. Memberikan keteladanan dan penghargaan kepada Sumber Daya Manusia.

Sementara itu, kode etik Pekerja Bank juga tercantum dalam Perjanjian Kerja Bersama (PKB) yang disahkan pada 12 Maret 2012.

Pengungkapan Kepatuhan Bahwa Kode Etik Berlaku Bagi Seluruh Level OrganisasiSeluruh anggota Dewan Komisaris, anggota Direksi, anggota Komite, Pekerja tetap, pekerja kontrak serta tenaga outsourcing sesuai dengan ketentuan yang berlaku wajib mematuhi dan

Since 2011, the Company Code of Conduct of PT Bank Rakyat Indonesia Agroniaga Tbk has been enacted as a guideline, ethical procedures, and pattern of rules that apply in each of the Company’s operational activities. Code of ethics for all employees and management officers must be understood, obeyed and implemented.

The Company also updated its policy regarding the Company’s Code of Ethics in the Attachment to Decree No. KPTS B.32/Dir.01.03/KMRH/IX/2017 dated on September 28, 2017, concerning the Policy on the Implementation of Good Corporate Governance.

Code of Conducts of BRI Agro

Every Bank individual is responsible for realizing this Bank Code of Conduct into their behavior. The responsibility for monitoring personal and professional relationships rests with each individual of the Bank so that it will not harm each of the people concerned or the Bank because of the behavior of each Bank Person reflect the business ethics of the Bank, therefore Bank personnel are required to:1. Complying with and obey the provisions of the applicable

laws and regulations;2. Doing the correct recording of all transactions related to the

Bank’s activities3. Avoiding yourself from unfair competition4. Providing services and satisfy customers.5. Avoiding involvement in decision making in the event of a

conflict of interest6. Maintaining the confidentiality of the Customer and the Bank.7. Deeming the adverse effects of each policy determined

by the bank on economic, social and environmental conditions.

8. Do not accept gifts or rewards that enrich themselves and their families.

9. Giving role models and respect for Human Resources.

Meanwhile, the Bank Workers’ code of ethics is also stated in the Collective Labor Agreement (PKB) which was passed on March 12, 2012.

Disclosure of Compliance That Code of Ethics Applies to All Organisational LevelsAll members of the Board of Commissioners, members of the Board of Directors, Committee members, permanent workers, contract workers and outsourced workers in accordance with






melaksanakan Kode Etik Bank yang ditandai dengan pembubuhan tanda tangan oleh segenap Insan BRI Agro pada surat Pernyataan Kepatuhan Terhadap Kode Etik Insan BRI Agro sebagai wujud nyata komitmen dalam melaksanakan Kode Etik BRI Agro.

Berikut adalah template surat pernyataan kepatuhan terhadap kode etik Bank BRI Agro:

Saya yang bertanda tangan di bawah ini :

Dengan ini menyatakan :

1. Bahwa saya telah membaca, mempelajari dan memahami isi Kode Etik Bank BRI Agro dan saya bersedia untuk menaati dan melaksanakan Kode Etik Bank BRI Agro dengan sebaik-baiknya.

2. Bahwa saya akan mentaati segala peraturan perundang-undangan yang berlaku dan melakukan tugas dan tanggungjawab yang dipercayakan kepada saya dengan penuh integritas, kesadaran dan tanggung jawab.

3. Bahwa saya akan memegang teguh rahasia sesuatu yang menurut sifatnya atau menurut perintah harus saya rahasiakan termasuk Rahasia Bank dan Rahasia Jabatan.

4. Bahwa saya dalam menjalankan jabatan atau pekerjaan, saya senantiasa akan lebih mementingkan kepentingan perusahaan daripada kepentingan saya sendiri.

5. Bahwa saya akan menjunjung tinggi nilai kehormatan perusahaan dimanapun berada.

Apabila di kemudian hari saya terbukti melakukan pelanggaran atas Kode Etik Bank BRI Agro, maka saya bersedia dikenakan sanksi sesuai dengan peraturan yang berlaku atas tindakan yang telah saya lakukan.

(Kota), …………….. Januari 2019

( ……………………………………… )

NamaNIP Jabatan Satuan Kerja

::::

applicable regulations must comply with and implement the Bank’s Code of Conducts which is marked by signing the signatures of all BRI Agro Individuals in the Statement of Compliance with the Code of Ethics of Individuals BRI Agro as a concrete manifestation of commitment in implementing the BRI Agro Code of Conducts.

The following is a template statement of compliance with the BRI Agro Bank code of ethics:






Sosialisasi dan Penyebarluasan Kode Etik

Untuk menyebarluaskan Kode Etik yang dimiliki Perseroan ini, maka setiap awal tahun, seluruh Pekerja Bank diwajibkan untuk menandatangani Pernyataan Kepatuhan Terhadap Kode Etik Bank. Disamping itu, dilaksanakan juga kegiatan Sosialisasi penerapan kode etik Bank terhadap seluruh Pekerja baru yang dilaksanakan setiap training Pekerja baru.

BRI Agro juga mengeluarkan nota dinas nomor B.1.e/KMRH/KPTH/01/2019 sebagai tindak lanjut setelah penandatanganan surat pernyataan kepatuhan para insan Bank, yang ditujukan kepada seluruh pemimpin cabang, cabang pembantu dan kepala kantor kas untuk men-scan dan mengirimkannya ke kantor pusat untuk diarsipkan.

Jenis Sanksi untuk Masing-Masing Jenis Pelanggaran yang Diatur dalam Kode Etik

Bank BRI Agro bersikap tegas kepada pekerja yang melakukan pelanggaran dengan pengawasan penerapan kode etik Perseroan yang merupakan kerjasama dari beberapa divisi dalam Perseroan, antara lain divisi SDM dengan divisi Kepatuhan, Manajemen Risiko dan Hukum.

Divisi Kepatuhan, Manajemen Risiko & Hukum bertanggung jawab untuk memonitor kepatuhan terhadap Kode Etik Bank dan memberikan laporan kepada Komite Audit dan membuat catatan pelanggaran, baik yang potensial ataupun yang benar benar terjadi.

Divisi Manajemen Sumber Daya Manusia membuat daftar Pelanggaran dan bertanggung jawab memberitahukan kepada pihak yang diberikan wewenang atas setiap pelanggaran yang terjadi dalam kurun waktu tertentu dan Direksi telah mengeluarkan surat keputusan berkaitan dengan pelanggaran dan proses pemberian hukuman sebagai berikut:1. SK Direksi No. Kpts. 14/Dir.02.04/MSDM/VII/2012 Tanggal

31 Juli 2012 tentang Peraturan Disiplin;2. SK Direksi No. Kpts. R.25/Dir.01.02/MSDM/XI/2015 tanggal

18 November 2015 tentang Ralat Ketentuan Proses Pemberian Hukuman Disiplin;

3. SK Direksi No. Kpts. 57/Dir.01.02/MSDM/XII/2015 tanggal 31 Desember 2015 tentang Pengaturan Kembali Mengenai Tindakan Atas Pelanggaran Disiplin Kategori Ringan Beserta Implikasinya dan Matriks Tata Tertib Hukuman Disiplin.

Berikut adalah matrik tata tertib pemberian hukuman dan tabel jenis sanksi dan implikasi yang diterapkan di Bank BRI Agro:

Dissemination and Socialisation of the Code of Conducts

To disseminate the Company’s Code of Ethics, every beginning of the year, all Bank Workers are required to sign a Statement of Compliance with the Bank’s Code of Ethics. Besides that, the Bank also conducts socialization activities on the implementation of the code of ethics for all new Workers which is carried out for each new Worker training.

BRI Agro also issued official memorandum number B.1.e/KMRH/KPTH/01/2019 as a follow-up after the signing of the Bank’s compliance statement, addressed to all branch leaders, sub-branch offices and cash office heads to scan and send it to the head office to be archived.

Types of Sanctions for Each Type of Violation Regulated in the Code of Ethics

Bank BRI Agro is being firm with employees who commit violations under the supervision of the implementation of the Company’s code of ethics which is a collaboration of several divisions within the Company, including the HR division with the Compliance, Risk Management and Legal divisions.

The Compliance, Risk Management & Legal Division is responsible for monitoring compliance with the Bank’s Code of Ethics and providing reports to the Audit Committee and making records of violations, both potential and true.

The Human Resources Management Division makes a list of Violations and is responsible for notifying parties who are authorized for any violations that occur within a certain period of time and the Board of Directors has issued a decree relating to the violation and the process of awarding the punishment as follows:

1. Directors Decree No. Kpts. 14/Dir.02.04/MSDM/VII/2012 dated on July 31, 2012, concerning Disciplinary Regulations;

2. Directors Decree No. Kpts. R.25/Dir.01.02/MSDM/XI/2015 dated on November 18, 2015, concerning Errata on Provision of Disciplinary Punishment Process;

3. Directors Decree No. Kpts. 57/Dir.01.02/MSDM/XII/2015 dated on December 31, 2015 concerning Restructuring Regarding Actions on Light Category Discipline Violations With Their Implications and Matrix of Disciplinary Punishment.

The following is a matrix of disciplinary procedures and a table of types of sanctions and implications applied at BRI Agro Bank:






Jenis Sanksi Pelanggaran Kode Etik Insan BRI Agro dalam tingkatan apapun apabila jelas terbukti telah melakukan pelanggaran terhadap Kode Etik BRI Agro maka akan dikenakan sanksi sesuai dengan peraturan yang tercantum dalam kebijakan dan ketentuan yang berlaku

No

Kategori Pel. Disiplin

Violations Category. Discipline

SanksiSanctions

Jangka WaktuPeriod of Time

ImplikasiImplications

1 RinganMild

Pembinaan :1. Teguran Lisan2. Surat Teguran3. Surat Peringatan I/

2/ 3

Instructing:1. Oral Rebuke2. Letter of Reprimand3. Warning Letter I /

2/3

6 (enam) bulan6 (six) months

-

2 Sedang PertamaModerate 1

Hukuman Disiplin :1. Penundaan

Kenaikan Upah2. Penundaan

Kenaikan Pangkat3. Penurunan Jabatan4. Penurunan Pangkat

1 Tingkat

Disciplinary Penalties:1. Postponement of

Wage Increase2. Postponement of

Promotion3. Declining Position4. Rank Decline 1 Level

Maksimal selama 1 (satu) tahun

Maximum for 1 (one) year

1. Jika mengalami penurunan pangkat, maka upok ybs. ditetapkan menjadi sebesar upok minimum pada pangkat baru setelah diberikan Hk. Disiplin

2. Penilaian Kinerja Pekerja bersangkuan pata tahun pemberian Hk. Disiplin dikenakan pinalti berupa pengurangan terhadap PA ybs. sebesar 1,00 dari hasil akhir PA

3. Penundaan promosi dan tidak dapat diikutkan dalam job opening maksimal selama 1 tahun

4. Tidak berhak atas insentif atau bonus atau bentuk penghargaan lainnya yang berlaku di Perusahaan pada tahun diberikannya Hk. Disiplin kepada Pekerja ybs.

1. If you experience a demotion, then upok relevant. determined to be a minimum amount of upok at a new rank after being given a law. Discipline

2. Performance Appraisal Workers are in agreement with the year of granting Hk. Discipline is subject to a penalty in the form of a reduction in the relevant PA. equal to 1.00 from the final PA outcome

3. Postponement of promotion and cannot be included in job opening for a maximum of 1 year

4. Not entitled to incentives or bonuses or other forms of appreciation that are valid in the Company for the year the Law is granted. Discipline to the relevant employee.

Types of Sanctions Violations of the BRI Agro Code of Ethics at any level if it is clearly proven that a violation of the BRI Agro Code of Ethics will be subject to sanctions in accordance with the regulations contained in the applicable policies and regulations

JENIS PELANGGARAN DISIPLINPEMBINAAN

(TEGURAN LISAN/ SURAT TEGURAN/SURAT PERINGATAN 1/2/3)

PELANGGARAN TATA TERTIB& ADMINISTRATIF

PELANGGARAN FUNDAMENTAL HUKUMAN DISIPLIN :a. b. c. d. e. f. g. h. i.

Penundaan Kenaikan Upah Maks. Selama 1 Tahun Penundaan Kenaikan Pangkat Maks. Selama 1 Tahun Penurunan Jabatan Maks. Selama 1 Tahun Penurunan Pangkat 1 Tingkat Maks. Selama 1 Tahun Penundaan Kenaikan Pangkat Maks. Selama 2 Tahun Penundaan Kenaikan Pangkat Maks. Selama 2 Tahun Penurunan Jabatan Maks. Selama 2 Tahun Penurunan Pangkat 2 Tingkat Maks. Selama 2 Tahun Phk






No

Kategori Pel. Disiplin

Violations Category. Discipline

SanksiSanctions

Jangka WaktuPeriod of Time

ImplikasiImplications

3 Sedang KeduaModerate 2

Hukuman Disiplin :1. Penundaan

Kenaikan Upah2. Penundaan

Kenaikan Pangkat3. Penurunan Jabatan4. Penurunan Pangkat

2 Tingkat

Disciplinary Penalties:1. Postponement of

Wage Increase2. Postponement of

Promotion3. Declining Position4. Rank Decline 2 Level

Maksimal selama 2 (dua) tahun

Maximum for 2 (two) years

1. Jika mengalami penurunan pangkat, maka upok ybs. ditetapkan menjadi sebesar upok minimum pada pangkat baru setelah diberikan Hk. Disiplin

2. Penilaian Kinerja Pekerja bersangkuan pata tahun pemberian Hk. Disiplin dikenakan pinalti berupa pengurangan terhadap PA ybs. sebesar 1,25 dari hasil akhir PA

3. Penundaan promosi dan tidak dapat diikutkan dalam job opening maksimal selama 2 tahun

4. Tidak berhak atas insentif atau bonus atau bentuk penghargaan lainnya yang berlaku di Perusahaan pada tahun diberikannya Hk. Disiplin kepada Pekerja ybs.

1. If you experience a demotion, then upok relevant. determined to be a minimum amount of upok at a new rank after being given a law. Discipline

2. Performance Appraisal Workers are in agreement with the year of granting Hk. Discipline is subject to a penalty in the form of a reduction in the relevant PA. equal to 1.25 from the final PA outcome

3. Promotion delays and cannot be included in job openings for a maximum of 2 years

4. Not entitled to incentives or bonuses or other forms of appreciation that are valid in the Company for the year the Law is granted. Discipline to the relevant employee.

4 BeratSevere

Hukuman Disiplin :Pemutusan Hubungan Kerja (PHK)

Disciplinary Penalties:Termination of Employment

- Tidak berhak atas insentif atau bonus atau bentuk penghargaan lainnya yang berlaku di Perusahaan pada tahun diberikannya Hk. Disiplin kepada Pekerja ybs.

Not entitled to incentives or bonuses or other forms of appreciation that are valid in the Company for the year the Law is granted. Discipline to the relevant employee.

Jumlah Pelanggaran Kode Etik Beserta Sanksi yang Diberikan pada Tahun Buku

Pemberian sanksi yang dilakukan BRI Agro sepanjang tahun 2019 adalah sebagai berikut:

No. SanksiSanctions

Jumlah PekerjaTotal Employee

1 PHK 2

2 Penurunan Pangkat 2 (dua) tingkat 1

3 Penurunan Pangkat 1 (satu) tingkat 2

4 Penundaan Kenaikan Pangkat 2 (dua) tahun 4

5 Penundaan Kenaikan Pangkat 1 (satu) tahun 3

6 Surat Peringatan III 3

7 Surat Peringatan II 3

8 Surat Peringatan I 1

Total 19

Number of Code Violations and Sanctions Given in the Fiscal Year

The sanctions imposed by BRI Agro throughout 2019 are as follows:






BRI Agro has a Gratification Control Guidelines Policy as contained in the BRI Agro Board of Commissioners and Board of Directors Decree No. 18.A/KOM/KMRH/09/2018; No. B.47/DIR/KMRH/09/2018 dated on September 28, 2018, concerning Guidelines for Gratification Control of PT Bank Rakyat Indonesia Agroniaga Tbk. This Gratification Control Policy aims to:

1. Providing Guidelines for BRI Agro Individuals to understand, prevent and control gratification practices in the Company

2. Establishing an organisational environment that is conscious and controlled in controlling gratification practices so that the principles of openness and accountability in carrying out daily operational and business activities are increasingly implemented.

3. Providing direction and reference for BRI Agro Individuals regarding the importance of compliance with reporting gratuities for the protection of themselves and their families from the opportunity of being charged with bribery.

4. Creating a mechanism for reporting gratuities internally to support a clean company environment from gratification practices.

PENGENDALIAN GRATIFIKASIGRATIFICATION CONTROL

BRI Agro memiliki Kebijakan Pedoman Pengendalian Gratifikasi yang sebagaimana dimuat dalam Surat Keputusan Bersama Dewan Komisaris dan Direksi BRI Agro No. 18.A/KOM/ KMRH/09/2018; No. B.47/DIR/KMRH/09/2018 tanggal 28 September 2018 tentang Pedoman Pengendalian Gratifikasi PT Bank Rakyat Indonesia Agroniaga Tbk. Kebijakan Pengendalian Gratifikasi ini bertujuan untuk : 1. Memberikan Pedoman bagi Insan BRI Agro untuk memahami,

mencegah dan mengendalikan praktek gratifikasi di Perusahaan 2. Membentuk lingkungan organisasi yang sadar dan terkendali

dalam pengendalian praktik gratifikasi sehingga prinsip keterbukaan dan akuntabilitas dalam menjalankan kegiatan operasional dan bisnis sehari-hari semakin terimplementasi.

3. Memberikan arahan dan acuan bagi Insan BRI Agro mengenai pentingnya kepatuhan melaporkan gratifikasi untuk perkindungan dirinya sendiri maupun keluarganya dari peluang dikenakannya tuduhan tindak pidana suap.

4. Menciptakan mekanisme pelaporan gratifikasi secara internal untuk mendukung lingkungan perusahaan yang bersih dari praktek gratifikasi.

KEBIJAKAN ANTI KORUPSI DAN SOSIALISASINYAANTI CORRUPTION POLICY AND ITS SOCIALISATION

BRI Agro telah bekerjasama dengan Komisi Pemberantasan Korupsi untuk melaporkan LKHPN bagi para Anggota Direksi dan Dewan Komisaris.

BRI Agro collaborate with Indonesia's Corruption Eradication Commission to report State Administration Wealth Report of Director's member and Board of Commissioners.






BRI Agro has fulfilled the transparency and publication obligations of financial and non-financial conditions in accordance with applicable regulations, through the delivery and publication of information through print media and the Bank’s website as follows:

1. Monthly Financial Reports to regulators, which are also published through the FSA and Bank websites.

2. Quarterly Financial Reports to regulators, which are also published through print media and the Bank’s website.

3. BRI Agro Annual Report prepared and presented in accordance with the provisions and submitted to regulators, rating agencies, banking development institutions, research institutions/institutions and financial magazines and published through the Bank’s website.

4. Corporate Governance Information, including Annual Corporate Governance Report, Vision, Mission, Company Value, Composition and Profile of the Board of Commissioners and Directors, as well as internal provisions related to governance ranging from the Articles of Association to the Charter of Committees which are also published through the Bank’s website.

5. Information on Company Products and Services, including office networks, are published through the Annual Report and the Bank’s website, so that customers, investors and the wider community can easily access information about the Bank’s products and services.

6. Information on Procedure for Submission of Complaints, Information Security Policy and Tips for Customers in using banking services published through the Bank’s website for the implementation of consumer protection provisions.

7. Other information aimed at supporting information disclosure, financial education and services to the public.

Pembelian Kembali (Buyback) Saham dan Obligasi BRI Agro

During 2019, there were no share buybacks or buybacks bond.

Funding for Social and Political Activities

The Bank’s internal policy prohibits the involvement of the Bank including workers in political activities, including providing funds for political purposes. This policy is implemented to maintain the independence and professionalism of the Bank and workers.

BRI Agro telah memenuhi kewajiban transparansi dan publikasi kondisi keuangan dan non-keuangan sesuai ketentuan berlaku, melalui penyampaian dan publikasi informasi baik melalui media cetak maupun situs web Bank sebagaimana berikut ini:

1. Laporan Keuangan Bulanan kepada regulator, yang juga dipublikasikan melalui situs web OJK dan Bank.

2. Laporan Keuangan Triwulan kepada regulator, yang juga dipublikasikan melalui media cetak dan situs web Bank.

3. Laporan Tahunan BRI Agro yang disusun dan disajikan sesuai ketentuan dan disampaikan kepada regulator, rating agency, lembaga pengembangan perbankan, lembaga/institusi riset dan majalah keuangan dan dipublikasikan melalui situs web Bank.

4. Informasi Tata Kelola Perusahaan, yang di antaranya adalah Laporan Tahunan Tata Kelola Perusahaan, Visi, Misi, Nilai Perusahaan, Komposisi dan Profil Dewan Komisaris dan Direksi, serta ketentuan internal terkait tata kelola mulai dari Anggaran Dasar hingga Piagam Komite-komite yang juga dipublikasikan melalui situs web Bank.

5. Informasi Produk dan Layanan Perusahaan, termasuk jaringan kantor, dipublikasikan melalui Laporan Tahunan dan situs web Bank, agar nasabah, investor dan masyarakat luas dapat dengan mudah mengakses informasi atas produk dan layanan Bank.

6. Informasi Prosedur Penyampaian Pengaduan, Kebijakan Keamanan Informasi dan Tips bagi Nasabah dalam menggunakan layanan perbankan yang dipublikasikan melalui situs web Bank untuk pelaksanaan ketentuan perlindungan konsumen.

7. Informasi lainnya yang bertujuan untuk mendukung keterbukaan informasi, edukasi keuangan dan layanan kepada masyarakat.

Pembelian Kembali (Buyback) Saham dan Obligasi BRI Agro

Selama tahun 2019, tidak terdapat buyback saham maupun buyback obligasi.

Pemberian Dana untuk Kegiatan Sosial dan Politik

Kebijakan internal Bank melarang keterlibatan Bank termasuk pekerja dalam kegiatan politik, termasuk memberikan dana untuk kepentingan politik. Kebijakan ini diterapkan guna menjaga independensi dan profesionalisme Bank dan pekerja.

TRANSPARANSI KONDISI KEUANGAN DAN NON-KEUANGAN PERUSAHAAN TRANSPARENCY OF FINANCIAL AND NON-FINANCIAL CONDITIONS OF THE COMPANY






In terms of social activities, the Bank CONVINCES that social activities have a positive impact on a wider audience in the long run.

The implementation of social activities is reported in a special section on Corporate Social Responsibility in this Annual Report.

Funding Provision For Related Party

Provision of funds to related parties by the Bank (including the Board of Commissioners, Directors, and other related parties) is carried out fairly and according to market prices with normal commercial requirements.

Provision of Funds to Related Parties is carried out with reference to PBI No. 8/13/PBI/2006 concerning Amendments to PBI No. 7/3/PBI/2005 concerning Commercial Bank Legal Lending Limits (BMPK) and Bank’s internal provisions.

During 2019, the distribution funding for Related Party is imparted as follows:

Dalam hal kegiatan sosial, Bank meyakini bahwa kegiatan sosial memberi dampak positif kepada khalayak yang lebih luas untuk jangka panjang.

Pelaksanaan kegiatan sosial dilaporkan dalam bagian khusus tentang Tanggung Jawab Sosial Perusahaan dalam LaporanTahunan ini.

Penyediaan Dana Kepada Pihak Terkait

Penyediaan dana kepada pihak terkait oleh Bank (termasuk Dewan Komisaris, Direksi, dan pihak terkait lainnya) dilakukan secara wajar dan sesuai harga pasar dengan persyaratan komersial normal.

Penyediaan Dana kepada Pihak Terkait dilaksanakan dengan mengacu kepada PBI No. 8/13/PBI/2006 tentang Perubahan atas PBI No. 7/3/PBI/2005 tentang Batas Maksimum Pemberian Kredit (BMPK) Bank Umum dan ketentuan internal Bank.

Sepanjang tahun 2019 penyediaan dana kepada Pihak Terkait dilaporkan sebagai berikut:

No Bulan/Month Outstanding (Rp) Total Debitur

1 Januari 30.476.346.475 Pihak Terkait 4

Group 2

Individu 1

2 Februari 26.578.066.538 Pihak Terkait 4

Group 2

Individu 1

3 Maret 25.989.560.123 Pihak Terkait 4

Group 2

Individu 1

4 April 25.617.064.311 Pihak Terkait 5

Group 2

Individu 1

5 Mei 26.537.920.301 Pihak Terkait 6

Group 2

Individu 1

6 Juni 23.927.082.806 Pihak Terkait 4

Group 2

Individu 1

7 Juli 20.082.587.460 Pihak Terkait 6

Group 2

Individu 0

8 Agustus 23.048.866.998 Pihak Terkait 5

Group 2

Individu 1






To facilitate services for customers, both in informing BRI Agro products and to respond to questions and complaints about their services, the Bank provides a customer service center that can be accessed Call Center namely BRI Agro Call 1500494 or through customer service in all BRI Agro Service Offices.

The management of customer complaints is carried out by the Network and Services Section (JLN) which is under the coordination of the Change Management Division. Customer Service Officers in all Operational Work Units can directly handle complaints that have been received. If the complaint is made through a BRI Agro Call, the officer will forward it to the relevant work unit in accordance with the type of complaint or complaint from the Customer for the settlement process, then the work unit related to the customer complaint will provide an answer or confirmation to the BRI Agro Call officer.

Consumer complaints and complaints submitted through newspapers / mass media will be managed by the Corporate Communication Section of the Corporate Secretariat Division and the Legal Section of the Compliance, Risk Management and Legal Division.

Untuk memudahkan layanan bagi Nasabah, baik dalam menginformasikan produk BRI Agro dan untuk menanggapi pertanyaan serta keluhan terhadap layanannya, Bank menyediakan pusat pelayanan konsumen yang dapat diakses melalui Call Center yaitu Call BRI Agro 1500494 atau melalui customer service di seluruh Kantor Layanan BRI Agro.

Pengelolaan pengaduan pelanggan dilaksanakan oleh Bagian Jaringan dan Layanan (JLN) yang berada di bawah koordinasi Divisi Change Management. Petugas Customer Service di seluruh Unit Kerja Operasional dapat menangani secara langsung pengaduan yang telah diterima. Apabila pengaduan dilakukan melalui Call BRI Agro, maka petugas akan meneruskannya ke unit kerja terkait sesuai dengan jenis keluhan atau pengaduan dari Nasabah untuk proses penyelesaian, selanjutnya unit kerja yang terkait dengan keluhan nasabah akan memberikan jawaban atau konfirmasi kepada petugas Call BRI Agro.

Keluhan dan pengaduan konsumen yang disampaikan melalui surat kabar/media massa akan dikelola oleh Bagian Komunikasi Perusahaan dari Divisi Sekretariat Perusahaan dan Bagian Hukum dari Divisi Kepatuhan, Manajemen Risiko dan Hukum.

KEBIJAKAN PERLINDUNGAN NASABAH CUSTOMER PROTECTION POLICY

No Bulan/Month Outstanding (Rp) Total Debitur

9 September 22.802.758.202 Pihak Terkait 5

Group 2

Individu 0

10 Oktober 22.488.100.824 Pihak Terkait 4

Group 2

Individu 1

11 November 21.815.974.732 Pihak Terkait 2

Group 2

Individu 1

12 Desember 20.088.062.655 Pihak Terkait 2

Group 2

Individu 1






Pengelolaan aktivitas hubungan investor telah mencakup di kebijakan Perseroan berupa Surat Keputusan Direksi No. B.04/Dir.01.02/SKP/12/2014 tanggal 16 Desember 2014, tentang kebijakan pelayanan dan pengelolaan informasi PT Bank Rakyat Indonesia Agroniaga Tbk.

Kebijakan tersebut mengatur untuk pengelolaan informasi melalui satu pintu. Perseroan diwakili oleh Direksi dan Sekretaris Perusahaan untuk menyampaikan informasi yang berkaitan dengan keadaan Perseroan kepada pihak eksternal.

Managing investor relations activities includes at Company policy in the form of Directors Decree No. B.04/Dir.01.02/SKP/12/2014 dated on December 16, 2014, concerning PT Bank Rakyat Indonesia's information service and management policy Agroniaga Tbk.

The policy governs information management through one door. The Company is represented by the Directors and Corporate Secretary to convey information relating to the situation Company to external parties

KEBIJAKAN CONFLICT MANAGEMENT (TERMASUK INSIDER TRADING)MANAGEMENT CONFLICT POLICY (INCLUDE INSIDER TRADING)

PERLINDUNGAN HAK KREDITUR CREDITOR RIGHTS PROTECTION

Guna melindungi hak-hak kreditur, Bank menerapkan sistem keterbukaan informasi secara jujur dan transparan, serta memperlakukan persamaan (equal treatment) kepada seluruh kreditur tanpa adanya diskriminasi. Dengan keterbukaan informasi, seluruh kreditur maupun mitra usaha berhak memperoleh informasi yang relevan sesuai kebutuhannya sehingga masing-masing pihak dapat membuat keputusan yang objektif atas dasar pertimbangan yang adil, wajar dan akurat.

Agar hak-hak kreditur dapat dilaksanakan dengan baik, maka hak-hak tersebut diatur dalam perjanjian yang disepakati oleh kedua belah pihak dan Bank wajib menjalankan kewajibannya sebagaimana yang dijanjikan dengan tepat waktu dan berupaya untuk menghindari keterlambatan maupun kelalaian yang berpotensi menimbulkan kerugian kedua belah pihak.

In order to protect the rights of creditors, the Bank implements a transparent and transparent information disclosure system, and treats equal treatment to all creditors without discrimination. With information disclosure, all creditors and business partners are entitled to obtain relevant information according to their needs so that each party can make objective decisions based on fair, reasonable and accurate considerations.

In order for the creditor’s rights to be carried out properly, the rights are regulated in an agreement agreed by both parties and the Bank is obliged to carry out its obligations as promised in a timely manner and strive to avoid delays or negligence that could potentially cause harm to both parties.






The Whistleblowing System serves as a means of preventing, disclosing violations or fraud so as to improve the quality of GCG implementation in the Company. BRI Agro has made a policy regarding the Violation Reporting system and has been stated in the Directors Letter No. Kpts. No. 01/Dir.02.04/SKAI/VI/2012 dated on June 4, 2012 concerning the guidelines for whistleblowing reporting system violations as updated in the Board of Directors Decree No. Kpts .: B.25/DIR.01.02/SKAI/10/2016 dated on October 30, 2016, concerning the revision of the Whistleblowing System.

PELANGGARAN (FRAUD) INTERNALINTERNAL FRAUD

Management of Violations (Fraud) refers to Bank Indonesia Circular Letter Number 13/28/DPNP dated on December 9, 2011 concerning the Implementation of Anti-Fraud Strategy.

BRI Agro Anti Fraud Policy as Decree No.Kpts.34/Dir.01.02/KMRH/09/2015 dated on September 30, 2015 concerning Anti Fraud Strategy which has also been explained in the Risk Management chapter in this Annual Report which is part of the Internal Control System The Bank in building a culture of compliance and creating risk awareness of the potential and consequences of fraud at all levels of the organization.

This policy regulates the framework, governance and implementation of an anti-fraud strategy which is the Bank’s strategy in controlling fraud by taking into account the characteristics and scope of potential fraud and is implemented in the form of a fraud control system.

Fraud that occurred during 2019 was 1 (one) time with a loss of Rp229.7 million.

Penanganan Pelanggaran (Fraud) mengacu pada Surat Edaran Bank Indonesia Nomor 13/28/DPNP tanggal 9 Desember 2011 Tentang Penerapan Strategi Anti Fraud.

Kebijakan Anti Fraud BRI Agro sebagaimana Surat Keputusan No.Kpts.34/Dir.01.02/KMRH/09/2015 tanggal 30 September 2015 tentang Strategi Anti Fraud yang juga telah dijelaskan dalam bab Manajemen Risiko pada Laporan Tahunan ini yang merupakan bagian dari sistem pengendalian Intern Bank dalam membangun budaya kepatuhan dan menciptakan kesadaran risiko atas potensi dan konsekuensi terjadinya fraud pada seluruh jenjang organisasi.

Kebijakan ini mengatur mengenai kerangka kerja, tata kelola dan penerapan strategi anti fraud yang merupakan strategi Bank dalam mengendalikan fraud dengan memperhatikan karakteristik dan jangkauan dari potensi fraud serta diimplementasikan dalam bentuk sistem pengendalian fraud.

Fraud yang terjadi selama tahun 2019 adalah sebanyak 1 (satu) kali dengan kerugian sebesar Rp229,7 juta.

Sistem Pelaporan Pelanggaran (Whistleblowing System) berfungsi sebagai sarana dalam pencegahan, pengungkapan pelanggaran atau tindak kecurangan sehingga dapat meningkatkan kualitas penerapan GCG dalam Perseroan. BRI Agro telah membuat kebijakan mengenai sistem Pelaporan Pelanggaran dan telah dituangkan ke dalam Surat Direksi No. Kpts. No. 01/Dir.02.04/SKAI/VI/2012 tanggal 4 Juni 2012 tentang pedoman Sistem Pelaporan Pelanggaran whisleblowing system sebagaimana telah diperbaharui dalam Surat Keputusan Direksi No. Kpts.: B.25/DIR.01.02/ SKAI/10/2016 tanggal 30 Oktober 2016 tentang revisi Sistem Pelaporan Pelanggaran (Whistleblowing System).

KEBIJAKAN PELAPORAN PELANGGARAN (WHISTLEBLOWING SYSTEM) WHISTLEBLOWING SYSTEM POLICY






Socialisation of WBS

The WBS socialisation program is carried out on an ongoing basis including the training of new workers, internal announcement poster announcements, email blasts and SMS blasts to all workers and through the role of Trade Unions to help disseminate to all workers in the Branch.

Whistleblowing Mechanism

Whistleblowing Facility

The Company provides special channels that are used to submit reports of violations as follows:1. In writing in a sealed envelope with the writing on the

envelope “confidential/confidential” addressed to the President Director;

2. Through an SMS (Short Message Service) or Whats Apps number: 0813 186 30003;

3. Through Email to: [email protected] Reporters who submit reports of violations by means specified as above can obtain progress information on handling follow-up information on violations submitted in WBS.

Criteria of Whistleblowing

The whistleblowers are required to submit clear indication of violations that can be accounted for, which includes as a minimum:1. The category of violation complained of;2. The parties involved;3. Time of violation;4. Place of violation5. How it happened;6. Proof of evidence of violation (if any);7. Whistleblower’s identity (name, address, mobile number, work

unit).

The whistleblower can provide additional information if asked to complete the initial indication of violation information.

Protection for Whistleblower

The Bank protects the confidentiality of the reporter’s identity by not conveying the identity of the reporter to any party, both internal and external. Protection can only be given to Reporters in the category of Partial Anonymity and Full Disclosure. BRI Agro will also keep the information reported and will only use that information as the initial source of information in the investigation

Sosialisasi WBS

Pelaksanaan sosialisasi WBS dilakukan secara berkesinambungan antara lain pelaksanaan pelatihan kepada pekerja baru, sosialisasi poster pengumuman internal, email blast dan sms blast kepada segenap pekerja serta melalui peran Serikat Pekerja untuk membantu mensosialisasikan kepada segenap pekerja di Cabang.

Mekanisme Penyampaian Laporan Pelanggaran

Sarana Pelaporan

Perusahaan menyediakan saluran khusus yang digunakan untuk menyampaikan laporan pelanggaran sebagai berikut: 1. Secara tertulis dalam amplop tertutup dengan mencantumkan

tulisan pada amplop ”confidential/ rahasia” yang ditujukan kepada Direktur Utama;

2. Melalui pesan singkat/SMS (Short Message Service) atau WhatsApps nomor: 0813 186 30003;

3. Melalui Email ke : [email protected] Pelapor yang menyampaikan laporan pelanggaran dengan sarana yang telah ditetapkan seperti tersebut di atas dapat memperoleh informasi progress penanganan tindak lanjut atas informasi pelanggaran yang disampaikan dalam WBS.

Kriteria Pelaporan

Pelapor wajib menyampaikan indikasi pelanggaran secara jelas yang dapat dipertanggungjawabkan, dimana minimal meliputi: 1. Kategori pelanggaran yang diadukan; 2. Pihak yang terlibat; 3. Waktu terjadinya pelanggaran; 4. Tempat terjadinya pelanggaran 5. Bagaimana kejadiannya; 6. Bukti bukti pelanggaran (bila ada); 7. Identitas pelapor (nama, alamat, no hp, unit kerja).

Pelapor dapat memberikan informasi tambahan apabila diminta untuk kelengkapan informasi awal indikasi pelanggaran.

Perlindungan Bagi Whistleblower

Bank melindungi kerahasiaan identitas pelapor dengan tidak menyampaikan identitas pelapor ke pihak manapun, baik internal maupun eksternal. Perlindungan hanya dapat diberikan kepada Pelapor dengan kategori Partial Anonymity dan Full Disclosure. BRI Agro juga akan merahasiakan informasi yang dilaporkan dan hanya akan menggunakan informasi tersebut sebagai sumber informasi






process without disclosing the identity of the Reporter.

BRI Agro also provides the Reporter with protection against countermeasures from the reported party or institution.

Complaints Handling

The workflow/report handling mechanism is as follows:1. The reporter submits a report of violation complaints through

the whistleblowing system established by the Bank;

2. Every incoming violation report will be documented by the PIC whistleblowing system; and reported to the Manager of WBS (Head of Internal Audit Work Unit), immediately.

3. The complaint report is selected and verified to prove that the report submitted can be followed up with adequate initial evidence.

4. WBS Manager reports to the Management and/or Person in Charge of WBS for the indication of violations that have been decided to be followed up at the level of investigation, and the parties involved in handling the follow-up including violations that lead to acts of disciplinary violations.

5. The parties that can be involved in handling the follow up (as an inspection team) are:- Internal Audit Work Unit- HR Department- Change Management Division- Other related divisions.

6. In the event that a Reporting Party submits a report without using established reporting facilities (letters and or sms and or e-mails) either orally or by telephone line to Management, the complaint report can only be processed for selection, verification and follow-up after the Reporting Entity has submitted the report back through reporting facilities. predefined (letter and or sms and or email).

7. In the event that due to the level of significance, the report on violations submitted does not prove to require a special inspection team, the handling of the follow up on the violation is delegated to the relevant official who has the authority to make corrections.

8. Reported parties that are proven to have committed violations will be given sanctions in accordance with the applicable provisions.

9. The PIC Whistleblowing system prepares periodic reports on all violations reporting including the follow-up progress to the WBS Manager.

10. The Reporter is given the right to monitor the progress of the follow-up to the reported violations through the telephone lines and e-mail provided.

awal dalam proses investigasi tanpa mengungkapkan identitas Pelapor.

BRI Agro juga memberi Pelapor perlindungan atas tindakan balasan dari terlapor atau lembaga.

Penanganan Pengaduan

Alur kerja/mekanisme penanganan laporan adalah sebagai berikut: 1. Pelapor menyampaikan laporan pengaduan pelanggaran

melalui sarana whistleblowing system yang telah ditetapkan oleh Bank;

2. Setiap laporan pelanggaran yang masuk akan didokumentasikan oleh PIC whistleblowing system; dan dilaporkan kepada Pengelola WBS (Kepala Satuan Kerja Audit Intern) dengan segera.

3. Laporan pengaduan diseleksi dan diverifikasi untuk membuktikan bahwa laporan yang disampaikan tersebut dapat ditindaklanjuti, dan disertai bukti awal yang memadai.

4. Pengelola WBS melaporkan kepada Manajemen dan/atau Penanggung Jawab WBS atas indikasi pelanggaran yang telah diputuskan untuk ditindak-lanjuti ke tingkat penyelidikan/investigasi, dan pihak-pihak yang dilibatkan dalam penanganan tindak-lanjutnya termasuk pelanggaran yang mengarah ke tindakan pelanggaran disiplin.

5. Pihak-pihak yang dapat dilibatkan dalam penanganan tindaklanjut (sebagai tim pemeriksa) yaitu: - Satuan Kerja Audit Intern - Divisi MSDM - Divisi Change Management - Divisi lainnya yang terkait.

6. Dalam hal Pelapor menyampaikan laporan tanpa melalui sarana pelaporan yang telah ditetapkan (surat dan atau sms dan atau email) baik melalui lisan atau saluran telepon kepada Manajemen maka laporan pengaduannya baru dapat diproses untuk diseleksi, diverifikasi dan ditindaklanjuti setelah Pelapor menyampaikan kembali melalui sarana pelaporan yang telah ditetapkan (surat dan atau sms dan atau email).

7. Dalam hal oleh karena tingkat siginifikasinya, Laporan tindakan pelanggaran yang disampaikan terbukti tidak memerlukan tim pemeriksa secara khusus maka penanganan tindak lanjut atas pelanggaran tersebut didelegasikan kepada Pejabat terkait yang memiliki kewenangan untuk melakukan perbaikan.

8. Terlapor yang terbukti melakukan pelanggaran akan diberikan sanksi sesuai dengan ketentuan yang berlaku.

9. PIC Whistleblowing system menyiapkan laporan secara berkala atas semua pelaporan pelanggaran termasuk progress tindak lanjutnya kepada Pengelola WBS.

10. Kepada Pelapor diberikan hak untuk memantau perkembangan tindaklanjut tindakan pelanggaran yang dilaporkannya melalui saluran telepon dan email yang disediakan.






11. Reporting parties who submit reports of violations by means determined as mentioned above can obtain information on the progress of handling follow-up on infringement information submitted in WBS no later than 30 (thirty) working days after the report is received and information on the results of the investigation is a maximum of 3 (three) ) the month after the investigation has been determined by the party appointed in charge of WBS.

Party Managing the Complaint

The person responsible for WBS at BRI Agro is the President Director. In carrying out its duties as the person in charge of WBS, the President Director appoints the Head of the Internal Audit Work Unit as the manager of WBS.

WBS Manager is the person responsible for implementing WBS at BRI Agro who reports to the President Director. In carrying out their duties, WBS managers are assisted by WBS PICs who have sufficient competence and integrity to carry out daily WBS activities. The appointment/appointment of the WBS PIC is carried out by the WBS Manager.

Number of Complaints Entered and Processed in the Last Fiscal Year

11. Pelapor yang menyampaikan laporan pelanggaran dengan sarana yang telah ditetapkan seperti tersebut di atas dapat memperoleh informasi progress penanganan tindak lanjut atas informasi pelanggaran yang disampaikan dalam WBS paling lambat 30 (tiga puluh) hari kerja setelah laporan diterima dan informasi hasil penyelidikan maksimal 3 (tiga) bulan setelah ditetapkan dilakukan penyelidikan/investigasi oleh pihak yang ditunjuk penanggung jawab WBS.

Pihak yang Mengelola Pengaduan

Penanggung Jawab WBS di BRI Agro adalah Direktur Utama. Dalam pelaksanaan tugasnya sebagai penanggung jawab WBS, Direktur Utama menunjuk Kepala Satuan Kerja Audit Intern sebagai pengelola WBS.

Pengelola WBS adalah penanggung jawab pelaksanaan WBS di BRI Agro yang bertanggung jawab kepada Direktur Utama. Dalam menjalankan tugasnya, pengelola WBS dibantu oleh PIC WBS yang mempunyai kompetensi dan integritas yang memadai untuk menjalankan aktivitas harian WBS. Penunjukkan/ pengangkatan PIC WBS dilakukan oleh Pengelola WBS.

Jumlah Pengaduan yang Masuk dan Diproses pada Tahun Buku Terakhir

PeriodePeriod

JumlahTotal

Sumber LaporanSource of Reports

Identitas Pelapor

ID of Whistleblower

Media PenyampaianConveyance Media

Klasifikasi LaporanClassification of Reports

Tindak LanjutFollow-Up

InternalInternal

EksternalExternal

AdaExist

TidakDo not

exist

SMS

Surat/ EmailLetter/Email

Telp/ LisanTelp/Viva Voce

Keluhan/ Masukan

Complaints/Suggestions

Pengaduan/ PelanggaranComplaints/

Violations

Dalam Proses

On Process

SelesaiDone

TW 1 1 1 0 1 0 0 1 0 1 0 0 1

TW 2 0 0 0 0 0 0 0 0 0 0 0 0

TW 3 2 1 1 2 0 0 2 0 1 1 0 2

TW 4 0 0 0 0 0 0 0 0 0 0 0 0

Total 3 2 1 3 0 0 3 0 2 1 0 3






implementation of Good Corporate Governance at BRI Agro Bank has always been improved from year to year by making many improvements and policy changes that are tailored to the conditions of the Company, economic conditions and the banking sector in particular. BRI Agro Bank realizes that bad corporate governance practices will disrupt the Good Governance (GCG) system that has been built, therefore the Bank does not take any action that is contrary to the rules and policies related to GCG shown in the following table:

Peneraparan Good Corporate Governance di Bank BRI Agro selalu ditingkatkan dari tahun ke tahun dengan melakukan banyak perbaikan dan perubahan kebijakan yang disesuaikan dengan kondisi Perusahaan, kondisi ekonomi dan dunia perbankan khususnya. Bank BRI Agro menyadari bahwa praktik-praktik bad corporate governance akan mengganggu sistem Tata Kelola yang Baik (GCG) yang telah dibangun, karenanya Bank tidak melakukan segala tindakan yang bertentangan dengan aturan serta kebijakan terkait GCG yang ditunjukkan pada tabel sebagai berikut:

No KeteranganDescription

PraktikPractices

1 Laporan atas kegiatan perusahaan yang mencemari lingkunganReports on the activities of companies that pollute the environment

NihilNone

2 Pemenuhan kewajiban perpajakanFulfillment of tax obligations

NihilNone

3 Kesesuaian penyajian laporan tahunan dan laporan keuangan dengan peraturan yang berlaku dan standar akuntansi keuangan (sak)Compliance of the presentation of annual reports and financial reports with applicable regulations and financial accounting standards (sak)

NihilNone

4 Kasus terkait buruh dan pekerjaCases related to workers and employees

NihilNone

5 Pengungkapan segmen operasiDisclosure of operating segments

NihilNone

TRANSPARANSI PRAKTIK BAD GOVERNANCE TRANSPARENCY OF BAD GOVERNANCE PRACTICES






tata kelola perusahaan...governance framework penerapan gcg di bri agro mengacu kepada 3 aspek tata...

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