Board of Commissioners meetings, joint meetings and participation of members of the Board of Commissioners. Training programs to improve the competence of members of the Board of Commissioners THE BOARD OF DIRECTORS.
Branch
Internet Banking
Mobile Banking
Vision, Mission and Core Values
4OBUILDCENTERSOFEXCELLENCE in payment settlements and
MissionVision
To be the bank of choice and a major pillar of the
Indonesian economy
Core Values
CUSTOMER FOCUS
TEAMWORK
INTEGRITY
CONTINUOUS PURSUIT OF
34;#!AGGRESSIVELY EXPANDED ITS BRANCH NETWORK WITH DEREGULATION OF THE )NDONESIA BANKING SECTOR BCA DEVELOPED ITS INFORMATION TECHNOLOGY CAPABILITY BY ESTABLISHING AN ONLINE BRANCH NETWORK SYSTEM and launching new products and services including the Tahapan BCA SAVINGS ACCOUNT PRODUCT. BCA was fully recapitalized with the Indonesian government through IBRA, TAKING OWNERSHIP OF"#! LIQUIDITY SUPPORT SHARES FROM Bank Indonesia and swapping related party loans for "GOVERNMENT"ONDS.
Corporate actions highlights in 2000-2005
Milestones
Business development after 2000
Event Highlights 2014
The Learning and Development department (DPP) is organizing a High Tea BDP 2014 to achieve intimacy and solidarity between the 295 participants in the BDP in 2014 (batch 36 to 45) and the BCA Board of Directors. BCA signs a cooperation agreement with the General Directorate of Population and Civil Status of the Ministry of the Interior on the use of the electronic identity card.
CTOBER
OVEMBER
3EPTEMBER
MoU BCA – Public Bank Berhad Malaysia BCA signs a Memorandum of Understanding or MoU with Public Bank Berhad from Malaysia. BCA – Collaboration with American Express BCA and American Express announce a collaboration agreement that makes BCA the acquirer for American Express Card on BCA EDC networks.
Financial Highlights
INCLUDING TEMPORARY FUNDS IN 2PBILION2PBILION2PBILION2PBILION2PBILIONAND 2PBILION .. 4 IMPACT OF CONSOLIDATION OF PARENT"#!)INSURANCE#IN NATIONAL)IN)INTERESTAND/PERATING. HANGESON#IRCULAR,ETTEROF"ANK)NDONESIA.O$0.0DA TIM$DECEMBER IN LINKS 1INDIVIDUAL STATEMENTS PUBLISHED&FINANCIAL#COMMERCIAL STATEMENTS. "ANKSAND#ERTAIN2EPORTSTO"ANK)NDONESIA . #!2I CALCULATED BASED ON CREDIT OPERATOR AND MARKET RADIO#RESULTING, ETTEROF"ANK)NDONESIA.O$0.0DATE*ANNUAL RELATED TO 2ISK 7TETE!SETET#ALCULATIONFOR/PERATIONAL CASTORISKNUS!
Stock Highlights
Recent shareholders of BCA. !LAERKA)NVESTMENT,TDOWNSSHARESIN&AR)NDO)NVESTMENTS-AURITIUS ,TD&AR)NDO &AR)NDOgS4REASURY3LOGARIA TOCKSFORTHE BALANCEOF.
Report of
We further report that, in accordance with the new regulation as specified in the Decision of the Council of. The Board of Commissioners appreciates the hard work and leadership of the Board of Directors BY MAINTAINING STABILITY AND DELIVERING SOLID NATIONAL PERFORMANCE AND CONTINUING THE "OARDOF.
Report of the Board of Directors
Jahja Setiaatmadja President Director
We would like to report that there have been some changes in the composition of the Board of Directors in 2014. The role of the Board of Commissioners—Careful MONITORING AND GUIDANCE IS SURELY important and allows the Bank to move confidently amid the uncertainties arising in the operating ENVIRONMENT.
REVIEW
Branch Banking
CASA remains BCA's main source of liquidity, representing 75.1% of the bank's total third-party funds at the end of 2014. In the commercial and SME segment, the bank will increase lending to potential customers and continue to improve the credit infrastructure.
Corporate Banking
BCA mainly offers credit facilities in Rupiah as it matches the bank's source of funds. Through various networking events in recent years, BCA has actively promoted interaction between the bank's business customers.
Individual Banking
The bank focuses on developing infrastructure and strengthening the organizational structure of the work units in the individual banking group. CS Finance continued to grow in 2014, albeit slowly, contributing positive results to the bank.
Treasury and International
In 2014, the bank entered into short-term loan agreements for USD 270 million. with several of BCA's correspondent banks. Investment assets managed by BCA Treasury and the bank's loan portfolio improved the total earnings asset yield in 2014. BCA's representative offices in Singapore and Hong Kong support and enhance the cooperation between BCA and the bank's correspondent banks.
SUPPORT
Risk
BCA’s Risk Management Application
Guidelines for implementing the Bank's risk management are based on Bank Indonesia Regulation No. 5/8/PBI/2003 dated 19 May 2003 on Application of Risk Management for Commercial Banks as amended by Bank Indonesia Regulation No.
A. Active Supervision by the Board of Commissioners and the Board of
Risk Oversight Committee, set up to ensure that the risk management framework provides adequate protection against the risks faced by the bank. Remuneration and Nomination Committee, set up to make recommendations to the Board of Commissioners on remuneration policies as well as systems and procedures for the selection and/or replacement of members of the Board of Commissioners and the Board.
B. Adequacy of Risk Management Policies and Procedures, and Determination of
All operational activities are based on the standards laid down in the labor guidance manual, a detailed internal control system. All management and employees of the Bank have a role and responsibility in improving the quality and implementation of the Bank's internal control systems. The risk appetite established by the Bank is reflected in the Bank's strategy and business objectives.
BCA Capital
The results of stress testing carried out by BCA for credit, market and liquidity risk were satisfactory and indicate that capital and liquidity would be sufficient to anticipate the estimated potential losses. Meanwhile, BCA and other shareholders provided Central Santosa Finance with a capital injection of Rp 200 billion, of which Rp 140 billion was contributed by BCA and BCA Finance with the approval of the OJK on July 17, 2014. Unconsolidated share capital at the end of 2014 was Rp 64.4 trillion Rp. which accounted for 94.9% of BCA's total capital, while unconsolidated additional capital was Rp. 3.5 trillion or 5.1% of BCA's total capital.
Disclosure of Risk Exposures and Implementation of Risk Management
In 2014, BCA provided capital investment of Rp 300 billion to BCA Syariah as approved by the Indonesian Financial Services Authority (OJK) on 18 June 2014.
A. Disclosure of Credit Risk Exposure and Implementation of Credit Risk
The Bank measures credit risk using Basel II-based guidelines in accordance with Bank Indonesia Circular Letter No. Information on net receivables - only bank and consolidated - by risk weight after calculation of the credit risk limiting effect is shown in table 4.1.a and b. Information on net receivables and techniques for reducing credit risk - only bank and consolidated - is shown in table 4.2.a and b .
B. Disclosure of Market Risk Exposures and Implementation of Market Risk Management
For the calculation of the minimum capital adequacy ratio (CAR), market risk is calculated based on the standardized method of Basel II, approved by Bank Indonesia. The disclosure of market risk – bank only and consolidated – using the standardized method can be seen in table 7.1. Disclosure of market risk – Bank only – using the internal method (Value at Risk) can be seen in Table 7.2.a.
C. Disclosure of Operational Risk Exposure and Implementation of Operational Risk
In addition to RCSA, the bank has implemented a Loss Event Database (LED) and Key Risk Indicators (KRI) identification system. LED is also a means of operational loss risk data collection, which is used by the bank to determine the allocation of capital requirements and for ongoing monitoring of events that may lead to further operational losses. In line with the tagline "BCA Always by Your Side", the bank continues to provide various banking products and services to meet the needs of customers.
D. Disclosure of Liquidity Risk Exposure and Implementation of Liquidity Risk Management
Monitoring losses due to liquidity risk is assessed based on the costs of liquidity maintenance or losses caused by liquidity factors. The Bank maintains liquidity reserves by maintaining high-quality liquid assets sufficient to meet its obligations to customers and other parties, including providing credit, repaying customer deposits, meeting operational liquidity needs and ensuring that the amount of assets expires in each period. will cover the obligations that fall due. Disclosure of Rupiah and currency expiration profiles for the bank alone and as a consolidated entity (according to the Bank Indonesia Regulations on the Implementation of Risk Management for Commercial Banks and Periodic Reports of Commercial Banks) are shown in Table 9.1.a and b, Table 9.2.a and b.
E. Disclosure of Legal Risk Exposure and Implementation of Legal Risk
F. Disclosure of Strategic Risk Exposure and Implementation of Strategic Risk
G Disclosure of Reputation Risk Exposure and Implementation of Reputation Risk
Establishing provisions for customer complaints that clearly define the policies, procedures, work units that monitor and handle customer complaints, including the format of reports to Bank Indonesia or the Indonesian Financial Services Authority. Monitors customer complaints and regularly reports the results to the head of each unit and the board of directors. Develops infrastructure, including implementation of appropriate software and hardware; develops and manages procedures; develops the infrastructure of the management information system to facilitate monitoring and support the speed and quality of work in responding to and monitoring customer complaints.
H. Disclosure of Compliance Risk Exposure and Implementation of Compliance Risk
The Director of Compliance, assisted by the Compliance Unit, is responsible for ensuring compliance and minimizing compliance risk by formulating compliance risk management policies and procedures in monitoring and implementing the compliance function. This is in line with BCA's compliance risk management strategy, which contains policies to always be in compliance with applicable regulations, above all through proactive prevention (ex-ante) to minimize any occurrence of violations and through curative actions (ex-post) to take corrective actions. actions for any violation. Measure and monitor compliance risk exposure on a regular basis; the results are discussed with the Risk Management Unit and then reported to the Compliance Director, who finalizes the decisions and prepares the compliance risk profile report.
Consolidated Risk Management
To improve the effectiveness of internal control, coordination is maintained between the Risk Management Unit, the Internal Audit Division and the Compliance Unit through regular meetings and intensive communication. Adequacy of identification, measurement, monitoring and reduction of risk processes and risk management information system. The bank's subsidiaries that fall within the scope of consolidated risk management are BCA Finance, BCA Finance Limited, BCA Syariah, BCA Sekuritas, BCA Insurance and Central Santosa Finance.
Application of Integrated Risk Management With the issuance of Indonesia Financial
Accountability Committee (ALCO) at the Board of Directors level. . !DEKUACYOF2ISK-ANAGEMENT0OLICY AND0ROCEDURESAND$PERCAFYOF2ISK Management Limits.. 0OLICET AND PROCEDURES AND DETERMINATION OF SUFFICIENT FLIGHTS are regularly reviewed Information Technology Functions and 6. Compliance Functions as well as Research Functions outside the six functions listed above. . s 4HE"OARDOF$DIRECTORS MADE DECISIONS REGARDING INTERNAL POLICY s 4HE"OARDOF$REGISTER SITES WHICH ARE SUBMITTED TO . the regulators. CTIVE SUPERVISION CARRIED OUT BY THE ORDER OF COMMISSIONERS AND THE ORDER OF DIRECTORS THROUGH THE ESTABLISHMENT OF THE FOLLOWING COMMITTEES. RE!ACCEPTANCE#OMITTE AND.
OMISSIONERS AND"OARDOF$DIRECTORS . !ACTIVE SUPERVISION"OARDOF#OMISSIONERSAND"OARDOF$DIRECTORS CARRY OUT THE FOLLOWING FORMS . OF $DIRECTORS MARK REPORTS WHICH ARE SUBMITTED TO. 12 Exposures to the Syariah-based business activity unit (if any). Net receivables according to contractual maturity ) 1 year >1 year to.
Human Resources
Quality human resources are essential to maintain BCA's competitive advantage and support the Bank's business strategy. In 2014, the Bank employed approximately 366 graduates to participate in BCA's management development program or the BCA Development Program (BDP). The Bank regularly organizes career development programs to prepare employees for higher positions and to fulfill staffing needs in strategic positions.
Network and
The services offered by BCA are constantly evolving in line with the needs and demands of the Bank's customers. The SMART SOLUTION program, RO initiatives and periodic customer satisfaction measurement by Gallup reinforce the bank's focus on service and sales. From 2013, the Bank introduced Cash Recycling Machine (CRM) for more efficient cash processing.
Information Technology
15 T/day
BCA implements high-capacity redundant communication systems to maintain the availability and reliability of the bank's banking network nationwide. This is proof of the bank's commitment to quality control and standardization of processes and documentation. These are important steps in the bank's efforts to ensure the security, availability, reliability and scalability of the bank's information technology systems.
Financial
Short-term placements, excluding primary reserves, were recorded at the end of December 2014 at Rp 63.9 trillion or 14.3% of total third-party funds. the total growth of the Bank's Interest income in 2014. BCA's solid funding sources mostly consist of CASA funds which represent 75.1% of the total third party funds in 2014.
