RISK Profile V2.2

7/30/2019 RISK Profile V2.2

1/39

Lksnstjr Rjmcvjry


2/39

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murkty

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FRCZT TRCIKAJ

Rkse Kgtjrgntkcgna Frcup ks kg m`nrfj ci t`j kgtjrgntkcgna ljvjacphjgt

ci Rkse Kgtjrgntkcgna subsklknrkjs ngl niikakntjl mchpngkjs.

Rksesntksikjl t`j mrktjrkn rjqukrjl by t`j GN\C mclkikmntkcg systjh ngl`ns nmqukrjl kts cwg GN\C Mchhjrmkna ngl Fcvjrghjgt Jgtkty mclj

(EM


3/39

]j

murkty

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! Hngnfkgf ycur Rkse t`rcuf` kgtjfrntjl sjmurkty scautkcgs!]trntjfkm pnrtgjrs`kp icr sjmurkty scautkcgs! Kgtjrgntkcgna mcvjrnfj! K]C2644>, B]2:;;;, Bnsja2, K]C>===:, McBK\, K]C24444-K\KA,

TN]:9, JHY2, Bnsja2, @KTNN, ]CP

!Jgl-tc-jgl sjmurkty pcrticakc! Kgmkljgmj Rjspcgsj Mjgtjr!Hngnfjl ]jmurkty ]jrvkmjs!Tcca 7 :4 mjrtkikjl sjmurkty prcijsskcgnas!N: Hjt`clcacfy!\khj Bnsjl ]jmurkty

RK]E KG\JRGN\KCGNA ]JMZRK\[ HNGNFJHJG\

TRCIKAJ


4/39

]j

murkty

Hngnfjhjg

t

YkskcgVj prctjmt, ljijgl, ljtjmt, ngl rjspcgl tc mcgtrca cpjrntkcgna

rkse

HksskcgVj ljakvjr kgtjfrntjl acfkmna KM\ ngl p`yskmna sjmurkty

scautkcgs.

RK]E KG\JRGN\KCGNA ]JMZRK\[ HNGNFJHJG\

CZR YK]KCG / HK]]KCG


5/39

]j

murkty

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HKLAJ JN]\

FC \C HNREJ\

JZRCTJ

BNAENG] RZ]KN, MK]

Kgtjfrntkcg ci acfkmna (KM\) ngl p`yskmna sjmurkty


6/39

]j

murkty

Hngnfjhjg

t

KG\NFRN\JL RK]E HNGNFJHJG\

T@[]KMNA ]JMZRK\[HNGNFJHJG\

KM\ ]JMZRK\[HNGNFJHJG\

BZ]KGJ]] RK]E HNGNFJHJG\


7/39]j

murkty

Hngnfjhjg

t

]JMZRK\[ HNGNFJHJG\ TRCMJ]]J]

T@[]KMNA ]JMZRK\[ HNGNFJHJG\

MNRLK]]ZNGMJ

NGL

RJYCMN\KCG

NMMJ]]LJYKMJ

HCGK\CRKGF

NMMJ]]YKCAN\KCG

@NGLAKGF

OCZRGNAHNGNFJHJG\

JHHJRFJGM[NMMJ]]

TRCMJ]]

K\ ]JMZRK\[ HNGNFJHJG\

IKRJVNAA]NGL

YTGs

NG\KYKRZ]NGL

YZAGJRNBKAK\[HNGNFJHJG\

KG\RZ]KCGLJ\JM\KCG

NGLTRJYJG\KCG

Z]JRNMMJ]]

HNGNFJHJG\

BNMEZTNGL

RJMCYJR[

BZ]KGJ]] ]JMZRK\[ TRCMJ]]J]

TCAKM[]J\\KGF

Z]JRTRCYK]KCGKGF

N]]J\HNGNFJHJG\

]JMZRK\[HCGK\CRKGF

NGL

NZLK\KGF

KGMKLJG\RJ]TCG]J

BZ]KGJ]]MCG\KGZK\[

TANG


8/39]j

murkty

Hngnfjhjg

t HNGNFKGF \CLN[] \@RJN\] & RK]E]


9/39]j

murkty

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\@J \@RJNL]

\ @ R J N L ]

M[BJR \JRRCRK]H

KGLZ]\RKNA J]TKCGNFJ

GN\ZRNA LK]N]\JR]

ZGKG\JGLJL RJ]ZA\](\`j CCT] inmtcr)

JGYKRCGHJG\NA

YKRZ]J]


10/39]j

murkty

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\@J BZ]KGJ]] RK]E]

IKGNGMKNA AC]]

JHTAC[ & MZ]\CHJR TRKYNM[

AK\KFN\KCG

AJFK]AN\KYJ YKCAN\KCG]

TZBAKM KHNFJ/\RZ]\

KG\JAAJM\ZNA MNTK\NA


11/39]j

murkty

Hngnfjhjg

t

BZ]KGJ]] MCG\KGZK\[ RK]E

V`nt ks t`j Rkse 3

]curmj? Mcgtkgfjgmy Tanggkgf Rjsjnrm`


12/39]j

murkty

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LK]N]\JR M@NRNM\JRK]\KM]

Trcb

nbkaktyciCmmurrjg

mj

AcwMcst

! Acw prcbnbkakty cicmmurrjgmj

! Ljvnstntkgfmcgsjqujgmjs

! Zgmjrtnkgty

Lksnstjr

M`nrnmtjrkstkms


13/39]j

murkty

Hngnfjhjg

t

\@J NA\JRGN\KYJ K]!.


14/39]j

murkty

Hngnfjhjg

t

]curmj? Rcb ]m`nijr, @cw ]nij ks t`j Buskgjss3 HJ\N Frcup 2442

]nhpaj Mcst ci Lcwgtkhj by Kglustry


15/39]j

murkty

Hngnfjhjg

tBMT/LRT ks nbcut Rkse3

lkrjmt cr kglkrjmt acss rjsuatkgf irch kgnljquntj cr

inkajl kgtjrgna prcmjssjs, pjcpaj ngl systjhs cr

irch jxtjrgna jvjgts


16/39]j

murkty

Hngnfjhjg

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MZ]\CHJR YKJV

VJ NRJ ]CRR[ !

\`j guhbjr ycu `nvj lknajl

`ns bjjg lksmcggjmtjl.


17/39]j

murkty

Hngnfjhjg

t

MZ]\CHJR YKJV

V`jg lksnstjr `nppjgs, mchpngkjs cpjg t`j

[jaacw Tnfjs ngl acce icr `japDrnglch

Tanggkgf tcc antj 3


18/39]j

murkty

Hngnfjhjg

t \jm`gcacfy ks gct n mchpajtj ]cautkcg

\JM@GCACF[

TJCTAJ TRCMJ]]

MZ]\CHJR YKJV


19/39]j

murkty

Hngnfjhjg

t

N:MCG\KGZCZ] TRCMJ]]


20/39]j

murkty

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N:MCG\KGZCZ] TRCMJ]]

N]]J]]

NRM@K\JM\

NTTA[

NLHKGK]\JR

BZ]KGJ]] RK]E

MCG\RCA] HN\ZRK\[


21/39]jmurkty

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RK]E NGNA[]K] HN\RKP

T

rcbnbkakty

ciAkej

ak`ccl @

kf`

Hjlkuh

Acw

Hjlkuh@kf` Acw

]jvjrkty ci Mcgsjqujgmj

Nrjn ciHnocr

Mcgmjrg


22/39]jmurkty

Hngnfjhjg

t

\@J KT-MCGJM\KYK\[ MCGMJT\ CI ]IE

> 2LNRE IKBJR

2 hkaj (kgma. Mustchs)

Rjluglngt, huatk-prcvkljr

brcnlbngl mcggjmtkcgs

Rjluglngt, huatk-prcvkljr

brcnlbngl mcggjmtkcgs

]tnglby sntjaaktj mcggjmtkcg

Hkmrcwnvj


23/39]jmurkty

Hngnfjhjg

t

]wkss qunakty ngl

tjm`gcacfy]nij

]jmurj lntn bnmeup icr khpcrtngt, vnaunbaj ngl

mcgikljgtkna lntn


24/39]jmurkty

Hngnfjhjg

t

LN\N BNMEZT VK\@ ]VK]]YNZA\

N mchbkgntkcg ci vnrkcus gjjls kgtc cgj sjrvkmj!

Bnmeup

Cii-sktj Lntn-Ynuatkgf

Nrm`kvj

Rjstcrj

Cvjr-naa sjrvkmj icr lntnbnmeup

Trcmjss strumturjs nglrjspcgskbkaktkjs wkaa bjmajnray strumturjl


25/39]jmurkty

Hngnfjhjg

t

]VK]]YNZA\ CIIJRKGF

]kgfaj akmjgsj vjrskcg Bnmeup mnpnmkty ci > tc :4 FB Cgakgj rjgjwnbaj ngl jxpnglnbaj Vjb NmmjssNs ci Z]L ;.:4 pjr hcgt` (pnkl cgakgj) Kglkvkluna mcgikfurntkcg ekt Kgtjfrntkcg ci sjrvjrs pcsskbaj Bnmeup mnpnmkty irch > tc >44 FB Gc kgktkna mcst icr `nrlwnrjNs ci Z]L > pjr hcgt` (jxma. YN\) Cwg ]tcrnfj Mjgtjr nt ]VK]] ICR\ EGCP Bnmeup mnpnmkty ci 2:4 tc >2:4 FB Zgakhktjl guhbjr ci wcrestntkcgs ngl sjrvjrs

ns ci Z]L =2> pjr hcgt`

]tcrnfj Mjgtjr nt makjgt acmntkcg \wkg Mjgtjr nt ]VK]] ICR\ EGCP Bnmeup mnpnmkty ci 2:4 tc :244 FB Zgakhktjl nhcugt ci wcrestntkcgs ngl sjrvjrsNs ci Z]L


26/39]jmurkty

Hngnfjhjg

t

LN\N ]JAJM\KCG (HNKG IZGM\KCG)

]VK]]YNZA\rjmcfgkzjs t`j jxkstkgf lntn strumturj cg jvjry mchputjr. Cg t`ks smrjjg

t`j usjr / nlhkgkstrntcr mng jnskay ngl kglkvklunaay sjajmt t`j ljskrjl lntn icr t`jpjrkclkm bnmeup prcmjss?


27/39]jmurkty

Hngnfjhjg

t

BRKJIMN]J & J-HNKA IZGM\KCG

Kg fjgjrna ]VK]]YNZA\ks gct ljskfgjl tc upacnl ikajs t`rcuf` t`j Vjb Nmmjss. \`j

brkjimnsj iugmtkcgnakty ciijrs n pcsskbkakty icr n tjhpcrnry ikaj upacnl kg mnsj ci ngjhjrfjgmy. \`ks iugmtkcg nasc naacws icr n `kf`ay sjmurjl lntn jxm`ngfj nhcgfst

pnrtgjrs.

Ng j-hnka iugmtkcg wkt`kg t`j brkjimnsj ciijrs t`j pcsskbkakty tc icrwnrl ngy ikajs irch t`j

lntnsjt nt ]VK]] ICR\ EGCP tc ng nllrjssjj.


28/39]jmurkty

Hngnfjhjg

t

MCGMJT\ MCHBC

Ikaj ]jrvjr

LB ]jrvjr

Nppa. ]jrvjr

Vcrestntkcgs

Hcbkaj Anptcps

Mchpngy>

2

]ystjh rjqukrjhjgts?TM / Hnm (ns ci H] Vkg. ;0 / C] P >4.=), vnrkcus sjrvjr

]jrvkmj cutakgj?Hnx. 0 wcrestntkcgs ngl = sjrvjrs, up tc tctna 2:4 FB

Nlhkgkstrntkcg & mcgtrca?Rjspcgskbkakty ci makjgt


29/39]jmurkty

Hngnfjhjg

t

MCGMJT\ JMC

Ikaj ]jrvjr

LB ]jrvjr

Hnka ]jrvjr

Nppa. ]jrvjr

Vcrestntkcgs

Hcbkaj Anptcps

Mchpngy>

2

]ystjh rjqukrjhjgts? TM / Hnm (ns ci H] Vkg. ;0 / C] P >4.=), vnrkcus sjrvjr systjhs

]jrvkmj cutakgj?Zgakhktjl wcrestntkcgs & sjrvjrs, wkt` n tctna ci >2:4 FB



30/39]jmurkty

Hngnfjhjg

t

MCGMJT\ TRC

Ikaj ]jrvjr

LB ]jrvjr

Hnka ]jrvjr

Nppa. ]jrvjr

Vcrestntkcgs

Hcbkaj Anptcps

Mchpngy>

2

]ystjh rjqukrjhjgts? TM / Hnm (ns ci H] Vkg. ;0 / C] P >4.=), vnrkcus sjrvjr systjhs

]jrvkmj cutakgj?Zgakhktjl wcrestntkcgs & sjrvjrs, wkt` n tctna ci :244 FB


]VK]]YNZA\]tcrnfjMjgtjr


31/39]jmurkty

Hngnfjhjg

t

][]\JH IZGM\KCGNAK\[

]uppcrtjl cpjrntkgf systjhs ngl nppakmntkcgs?

Makjgts ngl sjrvjrs?

"H] Vkglcws ;0 ]J, HJ, 2444, PT"H] Vkglcws G\


32/39]jmurkty

Hngnfjhjg

t

HCBKAJ RJMCYJR[ JPNHTAJ

LJ]E\CT]ANT\CT]

HZA\KTAJ ]JRYJR]IkajLB

Cpjgikaj hfht

]]A VJB NMMJ]]

ANT\CT]

LK]N]\JR RJMCYJR

BRB BCP

BRB BCP

]N\JAAK\J AKGE

]VK]]YNZA\

]VK]]YNZA\

]VK]]YNZA\

]N\JAK\JAKGE

HCBKAJ ]K\J

LK]N]\JR ]K\J

HCBKAJ RJMCYJR[]K\J


33/39]jmurkty

Hngnfjhjg

t

HCBKAJ MRK]K] HNGNFJHJG\

Vkt`kg 24 TMs wkt` sntjaaktj vckmj ngl Kgtjrgjt mnpnbkaktyBcnrl rcch styaj ljse ngl m`nkrs

Fjgjrntcr icr pcwjr

\Y wkt` sntjaaktj nmmjss

]CAZ\KCG 2


34/39]jmurkty

Hngnfjhjg

t

MCHTRJ@JG]KYJ JHJRFJGM[

HNGNFJHJG\ - MJHT

Mcgtkgfjgmy Tanggkgf\rnlktkcgna JhjrfjgmyHngnfjhjgt

Lksnstjr Rjmcvjry

]jmurkty Buskgjss Mcgtkgukty Mrksks

Mchhugkmntkcgs


35/39

RK]EN]]J]HJG\

BZ]KGJ]]KHTNM\

NGNA[]K]

RJMCYJR[]\RN\JFKJ]

TANG

\J]\KGF

TANG

LJYJACTHJG\

]jmurkty

Hngnfjhjg

t

MCHTAJ\JL

TANG

BZKALKGF BACME] CI MJHT


36/39]jmurkty

Hngnfjhjg

t

N FCCL TANG

"\`j pang ks gct`kgf.Tanggkgf ks jvjryt`kgf

Fjgjrna Jksjg`cwjr


37/39]jmurkty

Hngnfjhjg

t

KHTAJHJG\N\KCG TRCMJ]]

]\NGLNRL] & BJ]\ TRNM\KMJ]

JLZMN\KCG ]ZTTCR\


38/39]jmurkty

Hngnfjhjg

t

\KHJ ICR NM\KCG !

CGA[ CGJ \@KGF K] HCRJ LJYN]\N\KGF \@N\ N TRCACGFJL

BZ]KGJ]] KG\JRRZT\KCG.

KFGCRKGF K\


39/39

Vj hngnfj ycur cpjrntkcgna RK]E

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RISK Profile V2.2