Through online and offline activities or "hybrid now", we strive to improve by taking action, innovation and collaboration with stakeholders and influencing the economic, environmental and social aspects. Internally, BCA continues to educate and improve its employees' understanding of the principles of sustainable finance.
Towards Environmentally Friendly Operations
BCA EDC waste management
Card Waste Treatment
Non-Organic Waste Management
670 Paving block
Social and Community Performance
CSR funds
Customer Service
Human
BCA has implemented a security management system to secure data by following the concept of data loss.
Stay Safe with digital Banking
BCA Always By Your Side in Facing the COVID-19 Pandemic
CuStOMER
ServingOurCustomer
745 MSMEs
SuPPliER/VEndOR
CaringOurEmployee
HelpingOurCommunity
COVid-19 ASSiStAnCE
COVid-19 Assistance
Virtual Engagement to Strengthen Sustainability Commitments
BCA ExPOVERSARy OnlinE
BCA External Virtual Events
Other External Virtual Events
OnlinE COP SERiES
ViRtuAl SPORtS & ARtS wEEK
BCA Internal Virtual Events
Other Internal Virtual Events
Sustainability
Aspects Highlights
Economic
The sustainable funding portfolio as of December 31, 2019 and 2020 has been restated to match the results of the identification of the sustainable funding portfolio as of December 31, 2021.
Environment
Social
Sustainable Finance
Sustainability Strategy and Sustainable
Development Goals
BCA’s main support for
We are developing an Environmental and Social Risk Analysis (ESRA) to have a Sustainability Governance Manual and a Sustainable Financial Policy for plantations and the palm oil industry.
Sustainability Strategy
In addition, we also have a common KPI for all levels of the board to support the implementation of ESG in accordance with the OJK roadmap. Organization of financial literacy education nationwide that has a positive impact in accordance with OJK SNLKI by prioritizing voluntary programs carried out by employees.
Support for Priority
Organize intensive training on blended learning and soft skills training for teachers using the competitive method.
Sustainable Development Goals
The new recruitment of internships at Bakti BCA is 3,634 participants, the total of active internships of Bakti BCA at 9,028 participants. BCA has met compliance indicators such as Minimum Capital Adequacy Requirement (MCRR), Net Non-Performing Loans (NPL), Maximum Lending Limit (BMPK), Rupiah &.
BCA’s support for other SDGs
Sustainability Report Overview
Report Profile
In the past year, we have introduced the topics of energy, emissions and indirect economic impacts as material topics. The assurance process is part of the preparation of the Sustainability Report to ensure the reliability of the information and data presented.
OuR RESPOnSE tO PREViOuS REPORt’S FEEdBACK
We have re-listed some information and data in this report, such as data on internship participants, number of training hours, community expenditure (201-1), due to a change in the calculation method. When preparing the Sustainability Report, BCA refers to the reporting principles of accuracy, balance, clarity, comparability, reliability and timeliness.
Quite Important
Very Important Important
Bank Services
Economic Performance
Anti-Corruption/Anti-Fraud
Responsibility for Products and Services
Occupational Health and Safety (OHS)
Service access and affordability
The BCA identifies key stakeholders who are related parties to our business activities and influence the company's sustainability and vice versa, including the engagement with local parties in the Sustainable Finance process. Stakeholder engagement is jointly managed by various units, including the Corporate Secretary & Corporate Communication Division.
EMPlOyEES
REGulAtOR
CuStOMERS
BuSinESS PARtnERS/SuPPliERS/VEndORS
GEnERAl PuBliC
MEdiA
BCA and
BCA at a glance
Products and Services
Vision, Mission, and Corporate Values
CORPORATE VALUES
BCA operates in Indonesia and has 1 head office, 137 main branches (KCU), 878 branches (KCP) and 227 cashiers throughout the archipelago. In 2021, there was a significant change in the number of branches in accordance with OJK regulation no. 12/POJK.03/2021, which stipulates that the KCP can be permanent or mobile.
Sustainability Culture
Sustainability Governance
Board of Directors
Corporate Secretariat & Communication Division
The training was attended by 5 members of the Board of Directors and 47 employees, and the importance of ESG-based credit ratings was discussed. In addition, the Board of Directors and the Board of Commissioners participated in a webinar entitled ESG and the impact of climate change.
Sustainable Finance training by Position
In line with the 5-year SFAP, 100% of employees aim to attend Sustainable Finance training by 2023. Regular webinars include capacity building on Sustainable Finance for BCA's Board of Commissioners and Board of Directors , BCA committee members and directors or representatives from affiliates each year.
Sustainable Finance Implementation
The environmental aspect assessment also identifies the presence or absence of water, soil and air pollution, as well as the marine ecosystems. Within this due diligence, BCA will seek information regarding the presence or absence of warnings/.
GOVERnAnCE (ESG) RiSK MAnAGEMEnt
OPPORtunitiES
Together to Implement
Economic Performance and Green Portfolio
Commitment
Financial Performance & Ratios
Economic Value Generated
Economic Value distributed
Sustainable Finance Performance
The portfolio of sustainable financing as of December 31, 2019 and 2020 has been recalculated to adjust to the results of the identification of sustainable as of December 31, 2021. An explanation of the entire loan portfolio based on business sector and segment (enterprises, enterprises and SMEs, and consumer) can be found in annual report 2021.
2,348 3.5% billion
For 2022, BCA has set a target for sustainable financing growth of 7%, taking into account the conditions of the COVID-19 pandemic that have not yet fully recovered.
892 1.3% billion
81 0.1% billion
5,967 9.0% billion
66,152 100% billion
221 0.3% billion
3,808 5.8% billion
Sustainable Financing for Bioresource Sector
BAnGGA lOKAl PROGRAM
Bangga lokal’ MSME Participants Survey Results
MiCRO, SMAll, And MEdiuM EntERPRiSES (MSMEs) lOAn PORtFOliO
Event uMKM Fest
PEOPlE’S BuSinESS lOAnS (KuR)
Solar Panel Purchase loans – Sunterra BCA provides special offers for BCA credit
18/POJK.03/2016 regarding the Implementation of Risk Management for Commercial Banks and the Implementation of regulations. Risk assessment by the Risk Management Unit, compliance testing by the Compliance Unit, or others under the supervision of the Compliance and Risk Management Director.
Responsibility for Financial Products and/or Services
The Lifestyle feature on BCA mobile helps customers make purchases and payments for goods and/or services such as wildlife vouchers, transport tickets and accommodation. BCA ensures that all financial products and/or services as well as introductions of banking solutions are products approved by Bank Indonesia and OJK.
RESPOnSiBlE MARKEtinG
In May 2021, BCA launched MyBCA, a banking solution that can be accessed via mobile apps or desktop website. BCA Mobile Credit Card Installment Conversion To improve services for BCA credit cardholders.
Easier to connect via the HaloBCA app
In July 2021, BCA launched the HaloBCA contact center services app, which can be downloaded via Playstore and AppStore. A mobile application used by merchants who wish to become a BCA Merchant and provides access to various merchant information and services.
Togetherness to Serve
Customer Satisfaction Survey (5 scale)
Complaints and Resolution Mechanism
Technology and Digitization for Sustainability
Emission Reduction Potential from Branch transactions
Service Access and Affordability
Customer Data Security and Privacy
The BCA Code of Ethics can be accessed via https://www.bca.co.id/-/media/Feature/Report/. Further information about the privacy policy and data security can be accessed through https://www.bca.co.id/.
CyBER SECuRity
Improvement of Information Security Management System by adding ISO 27001 standard certification for Network System, Data Center and Enterprise Security Team. The quality of the Information Security Management System resulted in the Data Center Network Services and Data Center Operational Services receiving ISO/IEC certification in 2016.
Employees Receiving Cyber-Security training Based on department level
Fully 100% of permanent employees have received information about cyber security via e-mail blast and other internal communication media. BCA also carries out ongoing dissemination regarding cyber security through digital media, webinars, social media and other channels that our customers and debtors can freely access.
BCA has introduced a data security policy in all business units, with each operating company having its own data security policy.
Post incident Activity
Containment Eradication &
Recovery
Preparation
Analysis
BCA's internal policies cover the prohibition of providing customer data and/or information to third parties, except with the customers' written consent and/or as required by laws and regulations. BCA has an escalation mechanism in the event of a breach of customer privacy in accordance with the Collective Labor Agreement (CLA).
Corruption and Fraud Prevention
Complete information on the Whistleblowing System (WBS) can be found in the 2021 Annual Report and Whistleblowing Report at https://www.bca.co.id/en/tentang-bca/tata-kelola/Whistleblowing-System. More complete information about APU PPT can be found at https://www.bca.co.id/en/tentang-bca/tata-kelola/Informasi-Lain/APU-PPT.
2021 Employees APu PPt training based on Position
Together
Fair Operations
Respecting and Protecting Employees
Employees leaving based on Gender and Position level
Employees leaving based on Gender and Age Group
Employees leaving based on Gender and work Area
The performance appraisal mechanism uses Performance Appraisal (PA) and Performance Management (PM) forms to be completed by each individual. BCA uses performance appraisal results to determine promotions and adjustments to benefits, bonuses and career paths.
Employees Promoted based on Region and Gender
EMPlOyEE EnGAGEMEnt
BCA promotes
SEnAdA – Always By your Side
Employee Competency Development
Rp 193,417 million
The remuneration is based on the Company's ability and the prevailing wage provisions in the territories of Indonesia. In addition to salaries and allowances, BCA offers an extra bonus in the form of BCA shares to increase employees'.
Benefits Based on Employment Status
Comparison of salary for female and male employees (Rp million)
Monitoring, recording and evaluating OHS performance is carried out periodically and reported to the Director of Compliance & Risk Management. Occupational safety is reflected in the design of office spaces, which refers to completeness and adequate working facilities and environment, as well as security features.
Percentage of Employees Absence Rate
Respecting Human Rights
HuMAn RiGHtS POliCy
EQuAlity And diVERSity
JOB OPPRtunitiES FOR PHySiCAl diSABilitiES
COVid-19 RAPid SElF ASSESSMEnt FOR BuSinESS (C19 RSAB)
Development and implementation of policies and procedures for human rights during the selection and implementation of cooperation with partners or supply chains; Responding to any negative impact that may occur if there is a significant human rights incident committed by partners or supply chains.
BCA’s Response to Climate Change
The greenhouse gas inventory is the first step to managing emissions, because it will be difficult to plan one's reduction strategy without understanding the profile of the existing CO2 footprint. The calculation of BCA's greenhouse gas inventory will follow the "GHG Protocol Standard" issued by the World Resource Institute (WRI) and the World Business Council for Sustainable Development (WBCSD) (GHG Protocol Standard, 2004).
Towards Environmentally Friendly or Low Carbon Footprint Operations
Agent of Change
Green Office implementation
The purpose of these AOCs is to motivate staff to be more consistent in implementing environmentally friendly movement programs in support of creating a green office. BCA employees in offices/work units along with change agents implement environmentally friendly behaviors such as saving electricity and water, reducing paper, plastic and waste, avoiding the use of styrofoam, participating in Earth Hour and plant growing movements.
We have established Agents of Change (AOC) in representative offices/work units at headquarters, regional offices, branches throughout Indonesia and also subsidiaries. A call for environmentally friendly movements through internal communication media and social media to strengthen environmentally friendly behavior through various interesting themes such as saving water, Earth Hour, Earth Day, Green Ramadan, Environment Day, Mangrove Day and Orangutan Day.
Energy Management
MAnAGinG EnERGy
Electrical Energy intensity based on Room Size
Electrical Energy intensity based on number of Employees
Electrical Energy intensity based on number of transactions
Green Building – BCA Foresta
Waste and Water Consumption Management
REduCinG OFFiCE wAStE
Paper usage
ElECtROniC wAStE MAnAGEMEnt
Environment &
Biodiversity Preservation
MAnGROVE REHABilitAtiOn
4 batches
3 species of orangutan
5 orangutans
HAtCHlinGS COnSERVAtiOn
Environmental Complaints
A series of social and environmental programs are carried out under an umbrella programme, called Bakti BCA. Each program is carried out based on the stakeholder's needs, including regular assistance based on sustainability to create long-term value in accordance with regulations.
ExCEllEnt
BCAs exists not only to run its activities, but also to share its values with stakeholders.
PHilAntHROPHy
SynERGy
Indonesia Corporate Sustainability Initiatives 2021, Creative Philanthropy category (PPBP & PPTI BCA Scholarship Program Award). Indonesia Corporate Sustainability Initiatives 2021, Creating Shared Value (Award for Tourism Village and MSME Community Development Programs) category.
CSR Awards in 2021
Community Development and Empowerment [203-2]
BCA ASSiStEd VillAGES
BCA Assisted Villages Environmental Preservation through waste Management
MSME ASSiStAnCE
BCA tourism Village Awards 2021 The 2021 BCA Tourism Village Awards event
1 st Place
Visitor numbers
In 2021, it became one of the 50 tourist villages to receive Sustainable Tourism Village certification from the Ministry of Tourism and Creative Economy. There is also Wukirsari Puppet Tourism Village is one of the centers of 'wayang kulit' preservation and cultural development.
COMMunity COMPlAint MECHAniSM
From the island of the gods, there is the Pucak Tinggan Bali tourist village, which has a strong tradition of maintaining its culture and customs, as well as many religious rituals. The natural rural atmosphere and fresh air with a family touch and a spirit of mutual aid and self-help are special to Pucak Tinggan Tourist Village.
Quality Education to
Boost Young Generation Competitiveness
Creative Philanthropy
PPA/PPti nOn-dEGREE PROGRAM
Accounting Education (PPA) non-degree Program
BCA informatics Engineering Education (PPti BCA) non-degree Program
BAKti BCA intERnSHiP
BAKti BCA ASSiStEd SCHOOl PROGRAM
BAKti BCA SCHOlARSHiP PROGRAM
Bakti BCA Schoolarship Recipients
EduCAtiOn PARtnERSHiP
SynRGy
Financial Literacy & Inclusion
Archipelago Culture Preservation
Awards for Cultural Observers & warriors
Public Health
Cataract Surgery Program
COVid-19 vaccine assistance
COnVAlESCEnt BlOOd dOnAtiOnS
ASSiStEd CliniCS
Health service assistance for the community in 2021
BlOOd dOnAtiOn
Natural Disaster Relief
PHilAntHROPy
BCA measures the impact of its CSR program implementation in the social, environmental and economic aspects. The impact measurement results are used as a basis for improving the quality of the programs.
We, the undersigned, hereby declare that all information in the PT Bank Central Asia Tbk 2021 Sustainability Report has been presented in its entirety and is in accordance with POJK No.
Raden Pardede
Sumantri Slamet
BOARd OF COMMiSSiOnERS
Subur tan Director
Rudy Susanto Director
Armand wahyudi Hartono Deputy President Director
BOARd OF diRECtORS
Santoso Director
Gregory Hendra lembong Director
Vera Eve lim Director
POJK, GRI, SASB and SUSBA INDICES
FN-CB-240a.1 (1) Number and (2) Amount of outstanding loans eligible for programs designed to promote small. FN-CB-410a.2 Description of approach to incorporating environmental, social and governance (ESG) factors in.
After reading this Sustainability Report, we look forward to your input, criticism and suggestions by sending an e-mail or sending this form by post.
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