The high level of convenience and reliability provided by BCA’s transaction network has built customer trust in conducting personal and business transactions through the Bank’s ecosystem. Most individual business customers also use savings accounts as transactional accounts for their business needs. This has supported the sustainable growth of the Bank’s current and savings accounts.
In the individual segment, Tahapan BCA remains the Bank’s top savings product with the most significant and stable contribution to third party funds. The range of Tahapan products offered is tailored to each customer SEGMENT &OR EXAMPLE 4AHAPAN 8PRESI IS ALIGNED WITH a more creative youth lifestyle and comes with various PROMOTIONSANDATTRACTIVE!4-CARDDESIGNS&ORBUSINESS needs, Tahapan Gold provides individual customers with complete and detailed transaction information for easier business operations. We also offer Tapres, for those who need a savings account with a higher interest rate.
To serve customers who want to fulfill their long-term PLANS THE "ANK OFFERS 4AHAPAN "ERJANGKA 4AHAKA an installment savings plan that comes with BCA life insurance protection. A Tahaka account can be opened at any branch office, or via MyBCA video banking or internet banking. To serve the younger generation, BCA also provides Tahaka SiMuda, which requires lower monthly deposits than Tahaka.
BCA also offers current accounts for its business customers, which are available in nine currencies. Current account holders can access various facilities such as internet and mobile banking, and notification features for each transaction via Short Message Service (SMS) and e-mail to make monitoring them easier.
All BCA savings products come with debit card facilities that can be used across our extensive banking network.
The Bank supports Indonesia’s central bank policy on the National Payment Gateway (NPG) by adding the NPG debit card into our range of debit card offerings. To serve customers traveling overseas, the Bank collaborated with MasterCard to launch the BCA Debit MasterCard, which can be used for transactions at all MasterCard merchants and ATMs worldwide. This service is aligned with the National Standard Indonesian Chip Card Specification (NSICCS).
&OR CREDIT CARD ISSUANCE "#! COOPERATES WITH VARIOUS international networks such as Visa, Mastercard, American Express, JCB, NETS and UnionPay International (UPI). In 2019, we issued the BCA JCB Black credit card through a strategic alliance with JCB as the leading payment network in Japan. BCA JCB products target upper middle class customers whose lifestyles involve frequent trips, especially to Japan, which is a popular tourist destination.
Another new co-branding card is the BCA Singapore
!IRLINES +RISmYER )NlNITE THE THIRD OF THE "ANKS CO branding product with Singapore Airlines. Not only do we affiliate with international credit card networks, we are also the only bank in Indonesia with a private label credit card or proprietary card – the BCA Card – which can be widely used in Indonesia and at several outlets in Singapore.
Overall, BCA recorded a 12.7% increase in credit card transaction value during 2019, supported by approximately four million credit cards.
To reach a broader customer base, and to strengthen customer loyalty, BCA collaborates with strategic partners, amongst others are Starbucks, Haagen Dazs, McDonald’s, Outstanding Kartu Kredit
(in trillion Rupiah)
14.1
2019 12.9
2018 2017
11.5
3INGAPORE !IRLINES 'OJEK /6/ $ANA AND OTHERS )N response to the growing demand for online shopping, the Bank also has promotional partnership programs with e-commerce players such as Tokopedia, Blibli.com, Shopee, Tiket.com, Traveloka, as well as other e-commerce companies in various programs such as ‘BCA 12.12’, /NLINE3HOPPING&ESTIVALANDREGULARPROGRAMSSUCHAS the Monday e-promotion.
BCA also participated in various events such as Asia’s biggest book exhibition Big Bad Wolf, Jakarta Sneakers
$AY AND THE "OBA &ESTIVAL AND HOSTED THE "#!
%XPOVERSARYAND"#!4RAVEL&AIR4OSTRENGTHENTHELOYALTY of our EDC customers, the Bank also held a lucky draw for merchants that use our EDC.
In addition to debit and credit cards, BCA offers the
&LAZZCARDWHICHISANEMONEYPRODUCTFORSMALLVALUE PAYMENTS FOR TOLL ROADS COMMUTER LINES 4RANSJAKARTA parking facilities, as well as transactions at food courts ANDMINIMARTS)N&LAZZTRANSACTIONSGREWBY and had a total transaction value of Rp7.0 trillion. To SUPPORT&LAZZCARDGROWTHTHE"ANKCONTINUESTOWIDEN the coverage of its top up facilities, and develop more card acceptance at various sectors and strategic partners along with attractive card designs. BCA also offers Sakuku, application-based electronic money that can be stored in a smartphone (e-wallet) and used to pay merchants, top up prepaid mobile phone vouchers, and make other transactions. Sakuku Plus has additional features such as transfers, cash withdrawals at our ATMs, and a split bill facility to share the bill payment with other Sakuku Plus holders.
Business Review
TRANSACTION BANKING
Number of Distribution Channels (unit)
2019 2018 2017
Number of Branches (including cash offices) 1,256 1,249 1,235
Number of ATMs 17,928 17,778 17,658
Delivery Channels Transactions
2019 2018 2017 Increase / (decrease) 2019 Increase / (decrease) 2018
Total Composition Total Composition Total Composition Jumlah % Jumlah %
Branch
Number of Transactions (in million) 152 1.8% 156 2.4% 160 3.0% (4) -2.6% (4) -2.5%
Transaction Value (in trillion Rupiah) 14,585 49.1% 14,866 53.8% 14,131 56.6% (281) -1.9% 735 5.2%
ATM
Number of Transactions (in million) 2,075 24.2% 2,030 31.8% 1,911 36.3% 45 2.2% 119 6.2%
Transaction Value (in trillion Rupiah) 2,322 7.8% 2,303 8.3% 2,178 8.7% 19 0.8% 125 5.7%
Mobile Banking
Number of Transactions (in million) 3,848 44.8% 1,932 30.3% 1,161 22.0% 1,916 99.2% 771 66.4%
Transaction Value (in trillion Rupiah) 2,089 7.1% 1,389 5.0% 970 3.9% 700 50.4% 419 43.2%
Internet Banking
Number of Transactions (in million) 2,508 29.2% 2,264 35.5% 2,040 38.7% 244 10.8% 224 11.0%
Transaction Value (in trillion Rupiah) 10,701 36.0% 9,107 32.9% 7,694 30.8% 1,594 17.5% 1,413 18.4%
Total
Number of Transactions (in million) 8,583 100.0% 6,382 100.0% 5,272 100.0% 2,201 34.5% 1,110 21.1%
Transaction Value (in trillion Rupiah) 29,697 100.0% 27,665 100.0% 24,973 100.0% 2,032 7.3% 2,692 10.8%