85/92 Attendance Frequency of the Board of Commissioners in Joint Meetings of the Board of Commissioners and the Board of Directors in 2020:
Joint Meeting Plan of the Board of Commissioners and the Board of Directors for 2021 BCA has scheduled joint meetings of the Board of Commissioners and the Board of Directors for 2021 as follows:
The joint meeting plan of the Board of Commissioners and the Board of Directors in 2021 has been posted in BCA website since November 2020 and can be accessed at https://www.bca.co.id/en/Tentang-BCA/Tata-Kelola-Perusahaan/StrukturOrganisasi.
86/92 Table of Fraud Violation Committed by Management, Permanent Employees, and Non- Permanent Emloyees
I. Legal Cases
The legal cases, both criminal and civil, that have been faced by BCA in 2020, 2019, and 2018 are presented in the table below.
1. Criminal Law Issues
Details of criminal law issues that have been faced by BCA during 2020, 2019, and 2018 are as follows:
Criminal cases in the Court over reports from BCA against customers, employees, or other third parties which cover the cases of suspicion of funds transfer, theft, embezzlement, fraud, letter forgery, transfer / transferring information and / or electronic documents to other people’s electronic systems without rights, but there is not a case with a material loss value of more than Rp1 Billion.
Whereas, criminal cases in the Court over reports from customers, employees, or other third parties against BCA are non/ zero.
2. Civil Law Issues
Details of civil law issues that have been faced by BCA during 2020, 2019, and 2018 are as follows:
87/92 Civil cases faced by BCA are occur as a result of:
1) Lawsuit filed on accounts inherited by customers’ heirs.
2) Customer claims/appeal against account blocking by BCA as request from the Court, Tax Office and or other third parties.
3) Lawsuit filed by customers/other third parties on payment transactions, transfers, balances, and/or disbursement of documents.
4) Lawsuit on the use and payment of credit card bills.
5) Lawsuit filed by third parties on disputes over BCA properties i.e. land and buildings.
6) Lawsuits on accounts of legal entities in accordance with a dispute of legal entities management and/or association.
7) Lawsuit/appeal filed by BCA on the settlement of bad loans and saving collateral.
8) Lawsuit/rebuttal of debtor (husband/wife), collateral owner and/or other parties related to foreclosure, auction and or cleaning up foreclosed collateral.
9) Lawsuit/rebuttal of debtor (husband/wife) and or third parties on credit and/or collateral.
10)Lawsuit filed by BCA or its employees on Industrial Relations.
Throughout 2020, BCA did not face any significant risks over legal cases, because based on self assessment, BCA legal risk level is in a “low” position.
Important Cases and Administrative Sanctions Against Violations Committed
BCA discloses important cases faced by BCA, Subsidiary Companies, members of the Board of Directors and members of the Board of Commissioners based on Letter G Number 2 Chapter III SEOJK No. 30 / SEOJK.04 / 2016 concerning the Form and Content of the Annual Report of Issuers or Public Companies.
Disclosures of important cases throughout 2020 are described as follows:
1. Significant Cases faced by BCA, members of Board of Directors, and members of Board of Commissioners. Throughout 2020, BCA dan all of members of Board of Directors or Board of Commissioners who are currently officiate have never been involved in significant cases, both criminal cases and/or civil cases.
2. Cases faced by Subsidiaries
Throughout 2020, all of cases in the Court that have been faced by subsidiaries, are as follows:
88/92 3. Significant Cases Faced by Members of Board of Directors and Board of Commissioners of
BCA Subsidiaries
Throughout 2020, all of members of Board of Directors and Board of Commissioners of BCA Subsidiaries have never been involved in any significant cases, whether criminal and/or civil.
Impact of Legal Issues for BCA and Subsidiaries
All of legal Issues faced by BCA and Subsidiaries during 2020 did not have material impact on position and business continuity of BCA and its subsidiaries.
Administrative Sanctions from Related Authorities
Throughout 2020, there was no administrative sanctions that may have the an impact to business continuity of BCA or administrative sanctions to members of Board of Directors and/or Commissioners from related authorities.
89/92 J. Conflict of Interests Transactions
Policy Related to Conflicts of Interest
In accordance with Code of Ethic of BCA, decision making process is not influenced by other parties and any conflicts of interest. The results of decision making and existing conflicts of interest are always recorded and documented as evidence.
Conflict of intrest policy of BCA has regulated to all BCA personnel to know and avoid the activities that may contain any conflicts of interest. In order to manage the potential of conflicts of interest, all of BCA employees of echelon 5 and above are required to sign the Annual Disclosure.
In relation to Integrated Governance, Board of Directors of BCA ensure that implementation of risk management for intra-group transactions in Financial Conglomerate are independent from conflict of interest that may occur between each individual of Financial Service Intitutions.
Disclosure
Disclosure of Conflicts of Interest Transactions Throughout 2020, BCA did not have any conflicts of interest transactions.