Risk Management

Circular Letter Number 34/SEOJK.03/2016 dated

September 1, 2016, concerning Application of Risk

Management for Commercial Banks, the Bank had a

risk management policy as stipulated by the Decree

of the Bank's Director Number 056/182/DIR/MJR/KEP

dated September 7, 2017, concerning the Implementing

Risk Management Policies Guidelines. The application

of risk management at the Bank includes four pillars

aligned with the relevant laws and regulations,

particularly:

1. ACTIVE SUPERVISION OF THE BOARD OF