Enterprise Risk Management

Identify, assess, and mitigate risks across all business units

Critical Risks
2
Requires immediate action
High Risks
4
Active mitigation
Medium Risks
6
Under monitoring
Low Risks
3
Acceptable level

Top Priority Risks

R-001Credit

NPL Exceeds OJK Threshold

BPR Yaspis • Owner: Risk Committee

High
R-003Market

Honda Price War Competition

Honda Dealer • Owner: Sales Director

High
R-006Cyber

Data Breach Risk

All BUs • Owner: IT Security

High

Key Risk Indicators (KRI)

NPL Ratio

BPR

3.2%

Threshold: 5%

Inventory Days

Honda

45days

Threshold: 60days

QC Reject Rate

Cat

1.8%

Threshold: 2%

Hotel Occupancy

Hotel

68%

Threshold: 75%

Cash Ratio

Holding

1.45x

Threshold: 1x

Debt Service Coverage

Holding

2.1x

Threshold: 1.5x

Risk Distribution by Category

1
Credit
1
Operational
1
Market
1
Compliance
1
Strategic
1
Cyber