BCA mapped the Sustainable Development Goals to support its achievements. BCA prioritized nine objectives for its internal and external activities, namely goals 3, 4, 5, 7, 8, 9, 10, 13 and 16.
Quality Education
Affordable and Clean Energy Target Achievement 2020:
s :EROWORKACCIDENTS
s )MPLEMENTEDHEALTHPROGRAMSINCLUDING health talk, health training, health education via video and infographics.
s #OOPERATEDWITH(ALODOCFORONLINE consultations.
s 0ROVIDEDACOUNSELINGPROGRAMFOR employees in need.
s $EVELOPEDGREENOFlCESWITHOPENANDMORE ergonomic work spaces.
s )MPLEMENTEDWORKFROMHOMEPROGRAM Target 2021:
s :EROWORKACCIDENTS
s )MPROVINGACTIVITIESTHATHAVEBEENCARRIED out in 2020.
Achievement Strategy:
1. Instigate strict health protocols based on Memorandum 685/MO/HCM/2020.
2. Organize virtual health activities due to the pandemic.
s -EMASTIKANKESEHATANDANKESELAMATANKERJA dengan melakukan fire drill secara berkala, medical checkup setiap tahun dan tersedianya fasilitas kesehatan.
s +EGIATAN"AKTI"#!JUGAMENDUKUNGKESEHATAN bagi masyarakat
Target Pencapaian 2021:
s !NGKAPEKERJAYANGTIDAKDAPATMELAKSANAKAN pekerjaannya karena sakit menurun.
s ,AYANANKESEHATANKEPADAMASYARAKATSESUAI dengan tujuan program.
Strategi Pencapaian Target:
s -ELAKUKANEVALUASIHASILMEDICALCHEKUP memberikan pelatihan kesadaran hidup sehat, menyelenggarakan Pekan Olah Raga dan Seni (Porseni).
s "EKERJASAMAANTARALAINDENGAN3EKSI
Penanggulangan Buta Katarak Persatuan Dokter Spesialis Mata Indonesia (SPBK Perdami), PMI, klinik Bakti Medika dan praktik dokter Duri Utara.
Target Achievement 2020:
s 3USTAINABLE&INANCETRAININGFOROFTHE employees directly involved in sustainable finance.
s PERMANENTEMPLOYEESRECEIVE3 scholarship.
Target 2021:
s 3USTAINABLE&INANCETRAININGPARTICIPANTS 20% of the employees directly involved in sustainable finance.
s 0ERMANENTEMPLOYEESRECEIVE3 scholarships.
s 2EACHTHOUSANDPARTICIPANTSOF financial literacy and inclusion.
Achievement Strategy:
1. Develop e-learning training programs, in-class training, in collaboration with educational institutions.
2. Develop a selection filter for scholarship recipients.
3. Cooperate with third parties to organize financial literacy and inclusion activities.
Target Achievement 2020:
s !VERAGEGROWTHOFINSUSTAINABLEBUSINESS activity category (KKUB) financing portfolio.
s #ALCULATEDTHEEMISSIONDATAFOR(EAD/FlCE buildings and 115 of the 138 Main Branch Offices.
Target 2021:
s INCREASEIN++5"PORTFOLIO
s #ALCULATETHEEMISSIONDATAFORALL"RANCH/FlCES Achievement Strategy:
1. Provide syndicated loans for Hydro Power Plant (PLTA) and Mini Hydro Power Plant (PLTMH) projects.
2. Cooperate with ICED and/or financing on a bilateral or syndicated basis with other financial institutions.
3. Map the mitigation strategies for reducing CO2 emissions at BCA Buildings in stages.
Gender Equality Good Health and
Well-Being
Target Achievement 2020:
s FEMALEBRANCHBANKHEADSOFTHETOTALBANK branch heads.
s %QUALREMUNERATIONFORFEMALEANDMALEEMPLOYEESAT the same entry level (male employee is 2.8% higher than female employee).
s WOMEN OFTHETOTALEMPLOYEESlLLMIDDLEUP manager positions.
Target 2021:
s -AINTAINANEQUALPERCENTAGEOFFEMALEANDMALE employees with opportunities to:
- serve as Branch Head.
- fill a position as a middle-up manager.
Achievement Strategy:
1. Application of CLA Preamble and Article 59 paragraph 2 Point i concerning equal rights and the prohibition of any discrimination against employees.
2. Support the careers of female employees up to managerial level or above.
3. Provide equal services for both male and female customers, so that BCA can maintain its business relationships.
4. Start planning to formulate internal BCA gender equality policies.
realization of Rp132.7 billion.
s ,AKU"#!$EVELOPMENT
- Number of agents: 2,633 people.
- Number of accounts: 152,678.
- Total funding of Rp23.5 billion.
Target 2021:
s +52TARGETOF2PBILLION s ,AKU"#!$EVELOPMENT
- Number of agents: 2,850 people.
- Number of accounts: 236,000.
- Total funding of Rp21 billion.
Achievement Strategy:
1. Disburse 60% of KUR financing to the production sector (non-trading).
2. Provide equal employment, education and career opportunities in line with Policy No CLA 2019-2021 (article 11, article 71).
3. Provide inclusive financial services, including Laku BCA, Duitt, SimPel, Tabunganku.
4. Map the banking services required to provide financial access to the unbankable community.
5. Carry out Bakti BCA community empowerment and business training activities.
6. Cooperate with village administrators, local communities, and local governments.
Target Achievement 2020:
s !VERAGEOFTRAININGHOURSEMPLOYEEINONEYEAR s &INANCIALLITERACYANDINCLUSIONTOPARTICIPANTS s 2EMUNERATIONFOREMPLOYEESABOVETHEMINIMUMWAGE s +52DISBURSEMENTSOF2PBILLION Target 2021:
s !VERAGEOFTRAININGHOURSEMPLOYEEINONEYEAR s &INANCIALLITERACYANDINCLUSIONTOPARTICIPANTS s 2EMUNERATIONFOREMPLOYEESABOVETHEMINIMUMWAGE s +52lNANCINGOF2PBILLION
Achievement Strategy:
1. Equal remuneration for female and male employees based on work performance.
2. Conduct planned and targeted training.
3. Carry out financial literacy and inclusion activities in collaboration with third parties.
4. Implement the Bakti BCA programs.
s "RANCHSERVICEQUALITYINDEX"31 FROMASCALEOF s .OCOMPLAINTSRECEIVEDREGARDINGDATAPRIVACYAND
security.
s MILLIONNEWACCOUNTSOPENEDUSINGDIGITALBANKING Target 2021:
s #%!CTIVEINDEX s "31)NDEX
s 4HEREWILLBENOMAJORFRAUD
s .OCOMPLAINTSRECEIVEDREGARDINGDATAPRIVACYAND security.
s MILLIONNEWACCOUNTSOPENEDUSINGDIGITALBANKING Achievement Strategy:
1. Develop digital innovations through digital banking features and solutions.
2. Conduct digital banking education and socialization, for example - opening an online account.
3. Improve service quality through training and appreciations.
4. Ensure implementation of ISO 27001-information security management system.
5. Implement machine learning and artificial intelligence.
6. Implement data loss prevention (DLP) and two-factor authentication for electronic information security.
Target Achievement 2020:
s INCREASEIN++5"PORTFOLIO s 4HELEVELOF@EFlCIENCYFORENERGYCONSUMPTION
intensity in the head office buildings at Landmark Pluit and Wisma Pondok Indah were in accordance with SNI 03-6196-2000.
Target 2021:
s INCREASEIN++5"PORTFOLIO
s %XPANDINGTHESCOPEOF!GENTOF#HANGE!/# FROM the Head Office (33 Divisions) and 138 KCUs (main branches), to increase awareness of achieving GHG emission reduction at the Head Office and KCU.
s $EVELOPADATABASETOCOLLECTRECORDSONTHEIMPACT from operational activities on climate change.
s %XPAND'('REDUCTIONTARGETSFOR3COPEAND Achievement Strategy:
1. Finance products that reduce the use of natural resources and produce less pollution.
2. Finance railroad projects (LRT, commuter line, and railink), as well as financing waste treatment installations.
3. Reduce paper usage, use teleconferencing, video conferencing, smart buildings, and digital services.
4. Provide insights into environmental, social, and governance (ESG) aspects to prospective debtors.
5. Disburse bilateral or syndicated financing with other financial institutions to ESG-oriented businesses.
6. Adaptation behavior in smart building and
implementation environmentally friendly technology, a culture of sustainability, and educate employees through agents of change.
Target Achievement 2020:
s REGULATORYCOMPLIANCE s :EROREPORTSOFCORRUPTION
s -AINTAIN"#!SPOSITIONAS@"EST&INANCIAL3ECTOR Target 2021:
s REGULATORYCOMPLIANCE s :EROREPORTSOFCORRUPTION
s "#!SMINIMUMBANKSOUNDNESSRATINGWAS Achievement Strategy:
1. Evaluate all business activities are in accordance with regulations.
2. Make the whistleblowing system more effective.
Decent Work and Economic Growth
Industry, Innovation, and Infrastructure
Reduce Inequality Climate
Action
Peace, Justice,
and Strong Institutions billion.
633 people.
152,678.
3 5 billion
s "RANCH s .OCOM
security s MILLI Target 202
Stakeholder Engagement
[102-40, 102-42, 102-43, 102-44]BCA identifies key stakeholders, namely parties related to the bank’s business activities that influence the Company’s sustainability and vice versa, including the involvement of local parties related to the Sustainable Finance process.
There are seven key stakeholder groups that have been mapped to their needs, and BCA’s engagement and needs response. This stakeholder engagement is managed collectively by various units, one being the Corporate Secretary
& Communication Division.
Method of Engagement and Frequency
Respons to Stakeholder Needs Meetings/Means of Engagement and
Frequency
Significant Topics and Stakeholder Needs
Regulator
s#OMPLIANCEIMPLEMENTATIONREPORT at least once a year, or incidentally s%VIDENCEOFTHEANNOUNCEMENT
for the Annual and Extraordinary General Meeting of Shareholders (AGMS and EGMS), a summary of the Consolidated Financial Statements, at least once a year or incidentally
s-ONTHLYREPORTS0UBLIC%XPOSE Implementation Plan, at least once a year or incidentally
s#OMPLIANCEANDIMPLEMENTATIONOF the precautionary and governance principles
s%NVIRONMENTALANDSOCIALRISK analysis for lending
s!NTI&RAUDANDANTICORRUPTION Anti Money Laundering/Terrorism Financing Prevention
s'REENBANKING
s&INANCIALINCLUSIONANDLITERACY s 3USTAINABLElNANCE
s0AYMENTOFTAXESANDOTHER obligations
s)MPLEMENTCOMPLIANCE
s 0REPAREA3USTAINABLE&INANCE!CTION0LAN2!+"
s0REPAREANNUALREPORTANDSUSTAINABILITYREPORT s%NSUREGOVERNANCEISCARRIEDOUTPROPERLY s%STABLISHAN%3'3UB$IVISIONTOMONITORTHE
implementation of the RAKB and green banking s)NCREASETHEREACHOFBANKINGACCESS
s0AYTAXESACCORDINGTOOBLIGATIONSANDONTIME
Investors and Shareholders s'-3ATLEASTONCEAYEAR s1UARTERLYREPORTSEVERYQUARTER s!NNUALREPORTS
s3USTAINABILITY2EPORTS
s&INANCIALPERFORMANCE s)MPROVEDINFORMATIONON
environmental, social and governance (ESG) performance s3ECURITYOFCUSTOMERPRIVACYINTHE
use of digital products s3UPPORTFORACTIONSTOADDRESS
climate change s,OANMANAGEMENT
s#ARRYOUTASTRATEGYTOACHIEVEBUSINESSTARGETS s$ISCLOSE%3'PERFORMANCEINFORMATIONMORE
comprehensively in the Sustainability Report s&OLLOWUPRECOMMENDATIONSON%3'ASPECTSFROM
rating agencies and observers
s$EVELOPA3ECURITY-ONITORING#ENTER3-#
implement Data Loss Prevention, and continuously improve IT systems to anticipate cyber crime s$EVELOPSTRATEGIESANDROADMAPSFORACTIONTO
address climate change
s0AYATTENTIONTOTHELOANPORTFOLIOMIXMAINTAIN the level of Non-Performing Loan (NPL)
s4HE)NVESTOR2ELATIONSWORKUNITHELDMEETINGS during 2020
Employees
s)NTERNALCOMMUNICATIONMEDIA periodically
s)NTERNALMEETINGSBASEDTOTHE needs of the related divisions, at least once a year
s3HARING3ESSIONSREGULARLY s3PORTSANDARTISTICEVENTSREGULARLY
s4RAININGANDEDUCATION s#AREERPATHPLANNING
s%MPLOYEEUNDERSTANDINGOF(UMAN Resources (HR) management support applications
s%QUALITYHEALTHSAFETYANDSECURITY of employees (K5)
s7ORKANDRETIREMENTWELFARE s&REEDOMOFASSOCIATION
s"ALANCEOFLIFEANDWORKTOENABLE employees to stay fit
s!VAILABILITYOFCOMMUNICATIONFACILITIESFOREXAMPLE internal media, gatherings, sharing sessions, and Halo SDM
s!VAILABILITYOFAWHISTLEBLOWINGSYSTEM s)NCLASSTRAININGANDELEARNING
s0ERFORMANCEAPPRAISALSANDPROMOTIONSYSTEMS s0ROVIDEADEQUATEWORKFACILITIESTOENSURE+
s4HEEXISTENCEOFA,ABOR5NION
s0ROVIDEWELFAREDURINGWORKANDRETIREMENT s'UARANTEETHESAFETYANDRIGHTSOFEMPLOYEESIN
accordance with the Collective Labor Agreement (CLA)
s!VAILABILITYOFFACILITIESANDINFRASTRUCTURETOCARRY out activities
Method of Engagement and Frequency
Respons to Stakeholder Needs Meetings/Means of Engagement and
Frequency
Significant Topics and Stakeholder Needs
Customers
s"ANKINGACTIVITIESATBRANCHOFlCES frequency at any time
s/THERMEETINGSFREQUENCYATANY time if needed
s3UFlCIENTINFORMATIONONlNANCIAL products and services
s#OMPETITIVELENDINGRATES s$ATACONlDENTIALITYANDCUSTOMER
privacy
s%XCELLENTSERVICEANDINNOVATIONS s"ANKINGACCESS
s&RAUDPREVENTION
s(ALO"#!WEBSITESANDSOCIALMEDIA s)NFORMATIONONBANKINGPRODUCTSANDSERVICES
available on the BCA website
s0ROVIDELOANINTERESTRATESBYTAKINGINTOACCOUNT the interest rates set by Bank Indonesia
s1UALITYSERVICEWITHREGULARCUSTOMERSURVEYS s$EVELOPTECHNOLOGICALINNOVATIONS
s3ECURITY-ONITORING#ENTER3-# RUNNING$ATA Loss Prevention (DLP), and continue to improve technological innovation systems to anticipate cyber crime
s)MPLEMENTlNANCIALINCLUSIONANDLITERACY s2UN3-!243/,54)/.
Business Partners/Suppliers/Vendors s)NTERACTIONTHROUGHWEBSITEANY
time
s#ODEOFCONDUCTFORVENDORS socialization of procurement requirements annually s-EETINGSWITHTHE,OGISTICSAND
Procurement Division, if needed at least once a year
s /PENNESSINBUILDINGCOOPERATION s#LEARTENDERPROCEDURES
s3MOOTHCOMMUNICATIONS s/CCUPATIONALHEALTHANDSAFETY
(OHS)
s 4IMELYPAYMENTS
s0ROVIDETHEREQUIREDINFORMATION
s)NSTIGATEFAIRANDAPPROPRIATEPARTNERSELECTION process
s3OCIALIZEPROCUREMENTPROCEDURESPOLICIES s)NSTIGATEGOODCOMMUNICATIONSANDCOOPERATION s%NSUREHEALTHYANDSAFEWORKINGCONDITIONS s0AYMENTSYSTEMACCORDINGTOWORKCONTRACTS
General Public
s'ENERALSEMINARSORTRAININGHELD regularly
s#OMMUNITYDEVELOPMENTACTIVITIES s-EETINGSWITHINSTITUTIONSRELATED
to Sustainable Finance, including WWF, USAID-ICED
s#ONTINUITYOFEMPOWERMENT programs over the following years s%DUCATIONANDTRAINING
s3TRATEGICALLYASSISTED"AKTI"#!
programs s"ANKINGACCESS
s"AKTI"#!PROGRAM
s)NTERNSHIPSANDPROVISIONOFJOBOPPORTUNITIESAS needed
s&INANCIALINCLUSIONANDLITERACYPROGRAMS
Media
s"ANKINGINFORMATIONPERIODICALLY or incidentally
s-EDIACOVERAGEPRINTONLINE electronic)
s$AILYCOMMUNICATION
s3CHEDULEOFMEETINGSDURINGPRESS conferences
s#LARITYOFMATERIALTOBEREPORTED s3IMILARITYINPERCEPTIONAND
knowledge regarding ESG to facilitate reporting
s0ROVIDEPRESSRELEASESIN
s$EVELOPCOMMUNICATIONFACILITIESFOREXAMPLEPRESS conferences, pressrooms on the BCA website, e-mail [email protected]
s5PDATEINFORMATIONRELATEDTOBANKINGSOLUTIONS or company performance on the www.bca.co.id website
Note:
The method of mapping and stakeholder engagement is carried out in accordance with the AA1000 SES: 2011 Stakeholder Engagement Standard, namely:
dependency, responsibility, tension, and influence.
dependency responsibility tension influence
Sustainable Finance Competency Development
The number of participants in the Sustainable Finance training in 2020 reached 23%, exceeding the target of 15%
of the total employees directly related to Sustainable Finance. Of the total 874 participants include 6 Board of Director, 719 were employees directly related to sustainable business activities (credit-related work units). This training was held internally through 3 webinars. BCA also included representatives from the subsidiaries and members of the Board of Commissioners Support Committees as training participants.