Risk-Based Banking Management: Membangun Bank yang Resilient, Agile dan Sustainable

Risk-Based Banking Management: Membangun Bank yang Resilient, Agile dan Sustainable

Risk-Based Banking Management: Membangun Bank yang Resilient, Agile dan Sustainable

01 - 02 September 2026 Bandung Hotel Zest Sukajadi

Deskripsi

Pelatihan Risk-Based Banking Management: Membangun Bank yang Resilient, Agile dan Sustainable dirancang untuk memberikan pemahaman komprehensif mengenai penerapan manajemen bank berbasis risiko dalam menghadapi dinamika industri perbankan yang semakin kompleks, digital, dan penuh ketidakpastian.

Perubahan kondisi ekonomi, perkembangan teknologi digital, peningkatan risiko siber, perubahan perilaku nasabah, tekanan likuiditas, risiko kredit, volatilitas pasar, perubahan regulasi, hingga meningkatnya perhatian terhadap risiko ESG menuntut bank memiliki kerangka manajemen risiko yang tidak hanya berorientasi pada kepatuhan, tetapi juga mampu mendukung pengambilan keputusan bisnis secara cepat, tepat, dan terukur.

Pelatihan ini membahas bagaimana prinsip risk-based management diterapkan dalam proses perencanaan bisnis, pengambilan keputusan, pengelolaan portofolio, penetapan risk appetite, pengukuran risiko, monitoring, stress testing, hingga penyusunan strategi mitigasi. Peserta juga akan memahami keterkaitan antara risk governance, risk culture, business strategy, capital, liquidity, resilience, dan sustainability.

Melalui pendekatan yang terintegrasi, peserta diharapkan mampu membangun organisasi perbankan yang resilient dalam menghadapi krisis, agile dalam merespons perubahan, serta sustainable dalam menciptakan pertumbuhan jangka panjang.

Tujuan

  • Memahami konsep dan prinsip Risk-Based Banking Management.
  • Mengintegrasikan manajemen risiko dengan strategi dan proses bisnis bank.
  • Memahami karakteristik dan keterkaitan berbagai risiko utama perbankan.
  • Menyusun dan menerapkan Risk Appetite Framework.
  • Melakukan identifikasi, pengukuran, monitoring, dan mitigasi risiko.
  • Meningkatkan kualitas risk-based decision making.
  • Membangun sistem Early Warning System berbasis indikator risiko.
  • Memahami penerapan stress testing dan scenario analysis.
  • Meningkatkan kemampuan bank dalam menghadapi financial dan non-financial risk.
  • Membangun risk culture yang kuat di seluruh organisasi.
  • Mengintegrasikan resilience dan sustainability dalam strategi manajemen risiko.
  • Mengembangkan kerangka manajemen risiko yang adaptif terhadap perubahan teknologi dan regulasi.

Materi

  • 1. Konsep Risk-Based Banking Management
  • Pengertian dan prinsip risk-based management.
  • Perkembangan manajemen risiko perbankan.
  • Risk-based approach vs compliance-based approach.
  • Hubungan risiko, return dan business growth.
  • Risk-based decision making.
  • Peran manajemen risiko dalam pencapaian strategic objectives.
  • 2. Banking Risk Landscape
  • Perubahan landscape risiko perbankan.
  • Risiko finansial dan non-finansial.
  • Credit Risk.
  • Market Risk.
  • Liquidity Risk.
  • Operational Risk.
  • Legal Risk.
  • Compliance Risk.
  • Strategic Risk.
  • Reputation Risk.
  • Technology & Cyber Risk.
  • ESG dan Climate Risk.
  • 3. Enterprise Risk Management & Integrated Risk Management
  • Konsep Enterprise Risk Management.
  • Integrated Risk Management Framework.
  • Risk identification dan risk assessment.
  • Risk measurement dan risk monitoring.
  • Risk mitigation.
  • Risk aggregation.
  • Interrelationship antar risiko.
  • Integrated risk reporting.
  • 4. Risk Governance & Three Lines Model
  • Prinsip risk governance.
  • Peran Board of Directors dan Board of Commissioners.
  • Peran Risk Management Committee.
  • Peran Risk Management Unit.
  • Three Lines Model.
  • Accountability dan responsibility.
  • Risk oversight.
  • Penguatan independent risk function.
  • 5. Risk Appetite Framework
  • Konsep Risk Appetite.
  • Risk Appetite Statement.
  • Risk capacity, risk appetite, risk tolerance dan risk limit.
  • Penetapan risk appetite berdasarkan strategi bisnis.
  • Cascading risk appetite ke unit kerja.
  • Risk limit dan limit monitoring.
  • Breach management dan escalation.
  • 6. Risk-Based Strategic Planning
  • Integrasi risk management dengan business planning.
  • Risk-adjusted business strategy.
  • Identifikasi risiko dalam penyusunan RBB.
  • Risk-adjusted performance.
  • Strategic risk assessment.
  • Portfolio strategy berbasis risiko.
  • Pengambilan keputusan berdasarkan risk-return trade-off.
  • 7. Credit Risk Management
  • Credit risk identification dan assessment.
  • Credit portfolio management.
  • Concentration risk.
  • Credit scoring dan rating.
  • Early Warning System kredit.
  • Non-performing loan risk.
  • Credit risk mitigation.
  • Stress testing portofolio kredit.
  • 8. Market & Liquidity Risk Management
  • Market risk framework.
  • Interest rate risk.
  • Foreign exchange risk.
  • Liquidity risk.
  • Asset Liability Management.
  • Liquidity buffer.
  • Liquidity stress testing.
  • Contingency Funding Plan.
  • Early Warning Indicator untuk liquidity risk.
  • 9. Operational, Technology & Cyber Risk
  • Operational risk framework.
  • Risk and Control Self Assessment.
  • Key Risk Indicator.
  • Operational loss event.
  • Technology risk.
  • Cybersecurity risk.
  • Third-party/vendor risk.
  • Digital banking risk.
  • Operational resilience.
  • 10. Stress Testing & Scenario Analysis
  • Konsep stress testing.
  • Risk scenario development.
  • Sensitivity analysis.
  • Reverse stress testing.
  • Integrated stress testing.
  • Macroeconomic scenario.
  • Credit, market dan liquidity stress testing.
  • Pemanfaatan hasil stress testing dalam strategic decision making.
  • 11. Early Warning System & Risk Analytics
  • Konsep Early Warning System.
  • Risk indicators dan KRI.
  • Leading dan lagging indicators.
  • Risk dashboard.
  • Risk data analytics.
  • Predictive risk monitoring.
  • Risk escalation mechanism.
  • Pengembangan risk intelligence.
  • 12. Risk Culture & Risk Awareness
  • Konsep risk culture.
  • Tone from the top.
  • Risk ownership.
  • Risk awareness seluruh lini.
  • Risk behaviour.
  • Accountability dan escalation culture.
  • Building proactive risk culture.
  • Pengukuran efektivitas risk culture.
  • 13. Banking Resilience & Recovery
  • Konsep banking resilience.
  • Financial resilience.
  • Operational resilience.
  • Technology resilience.
  • Business continuity.
  • Recovery planning.
  • Crisis management.
  • Contingency planning.
  • Lessons learned dari krisis perbankan.
  • 14. ESG & Sustainable Risk Management
  • Konsep ESG dalam manajemen risiko.
  • Environmental dan climate-related risks.
  • Social risk.
  • Governance risk.
  • Climate risk assessment.
  • ESG risk dalam credit assessment.
  • Sustainable finance.
  • Integrasi ESG ke Enterprise Risk Management.
  • 15. Digital & Emerging Risk
  • Emerging risk dalam industri perbankan.
  • Artificial Intelligence Risk.
  • Model Risk.
  • Data Risk.
  • Cloud Risk.
  • Cyber Risk.
  • Fintech dan ecosystem risk.
  • Third-party dependency risk.
  • Geopolitical dan macroeconomic risk.
  • 16. Risk Reporting & Management Information
  • Risk reporting framework.
  • Risk dashboard.
  • Risk appetite monitoring.
  • KRI dan risk limit reporting.
  • Risk aggregation.
  • Management information.
  • Escalation dan risk communication.
  • Penyusunan risk report untuk manajemen.
  • 17. Risk-Based Performance Management
  • Risk-adjusted performance.
  • Risk-adjusted Return on Capital.
  • Hubungan risk dan profitability.
  • Capital allocation berbasis risiko.
  • Performance measurement.
  • Balancing growth, risk dan return.
  • Strategic performance monitoring.
  • 18. Building Agile, Resilient & Sustainable Bank
  • Integrasi risk management dengan business strategy.
  • Building adaptive risk framework.
  • Agile risk management.
  • Resilience strategy.
  • Sustainable banking strategy.
  • Risk transformation roadmap.
  • Penguatan governance dan risk culture.
  • Future-ready banking risk management.

Peserta

Divisi Risk Management

Divisi Enterprise Risk Management (ERM)

Divisi Strategic Planning

Divisi Corporate Governance

Divisi Business Continuity Management (BCM)

Divisi ESG / Sustainability

Divisi Business Development

Metode

• Pre Test 
• Presentasi Materi 
• Diskusi 
• Studi Kasus 
• Post Test 

Fasilitas

• Training Amenities 
• Peralatan Pelatihan (Tas, Hand Out, Block Note, Pulpen, Watermark) 
• Sertifikat 
• Souvenir 
• 2x Coffee Break, 1x Lunch

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