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v1.0 · Laporan Penerapan MR Tahun 2025

Risk Appetite & Tolerance

Selera & toleransi risiko per kategori — limit vs utilisasi
Role: Risk Officer (CGRM)
Risk Appetite Statement 2025 — 2 kategori BREACH
Selera risiko ditetapkan bersama Dekom & Direksi (No. 09/KEP/DEKOM/III/2025). Status: 5 Within, 1 Warning, 2 Breach. Kategori Pasar dan Regulasi melampaui limit — eskalasi ke Komite Manajemen Risiko.
Within Limit
5
dari 8 kategori
Warning Zone
1
Mendekati batas
Breach
2
Melebihi limit
Review Cycle
Q
Komite MR

Limit vs Utilization — per Kategori Risiko

Skala indeks 0 (Low) → 3 (High)
Strategis
Appetite: Moderate
2.00
Within
Limit 2.5 · Upper 3.0
Pasar
Appetite: Low-Moderate
3.00
Breach
Limit 2.0 · Upper 2.5
Finansial
Appetite: Moderate
2.00
Within
Limit 2.5 · Upper 3.0
Kredit
Appetite: Low-Moderate
2.00
Warning
Limit 2.0 · Upper 2.5
Operasional
Appetite: Low
1.00
Within
Limit 1.5 · Upper 2.0
Investasi
Appetite: Moderate
2.00
Within
Limit 2.5 · Upper 3.0
Reputasi
Appetite: Low
1.00
Within
Limit 1.5 · Upper 2.0
Regulasi
Appetite: Low
2.00
Breach
Limit 1.5 · Upper 2.0
Tolerance zone Appetite limit Upper tolerance Actual utilization

Utilization Trend (12 bulan)

Tracking naik/turun per kategori
Strategis
Within
2.00/ limit 2.5
Pasar
Breach
3.00/ limit 2.0
Finansial
Within
2.00/ limit 2.5
Kredit
Warning
2.00/ limit 2.0
Operasional
Within
1.00/ limit 1.5
Investasi
Within
2.00/ limit 2.5
Reputasi
Within
1.00/ limit 1.5
Regulasi
Breach
2.00/ limit 1.5