BCA remains committed to investing in both transaction banking concession and lending capabilities, while supporting the development of the Bank's subsidiaries. BCA found itself in a strong position to overcome pandemic challenges due to our consistency in digital banking strategy and extensive digital network, which positioned the Bank well to seize opportunities as customers moved faster to online banking and digital solutions.
EmployeesESG
Digital Banking Service
Sustainability
Performance Highlights
Economic Performance
KKUB to total
Total sustainable business
Tax payment
The MSCI index considers exposure to ESG performance compared to comparable companies in the Indonesian capital market. BCA also received an A rating in the MSCI ESG Ratings for December 2020.
Female occupying Director positions
Education Participants
Branch Service Quality (BSQ) Index
Assisted Schools
Female occupying Branch Heads
Female employees 4 out of total
Corporate Social Responsibility funds (including COVID-19 assistance)
66 building branches supporting the
Solar panels installed in 2 buildings generating 16,654 kWh of electrical
2 offices with a
22.5 % Reduced paper usage
14,700 mangroves
2,100 trees in the peat restoration areas potential to absorb
Rehabilitated in Kalimantan
FINANCIAL HIGHLIGHTS
Loans - gross
Total Assets
Operating Income
Net Income
Total Equity
Third Party Funds
Return on Equity (ROE)
Loan at Risk (LAR) *
Non-Performing Loans (NPL-gross)
Loan to Deposit Ratio (LDR)
Liquidity Coverage Ratio (LCR)
Net Interest Margin (NIM)
Parent company only; financial ratios are presented in accordance with Financial Services Authority Circular Letter No. 9/SEOJK.03/2020 of 30 June 2020 regarding transparency and publication of conventional commercial bank reports. Calculated from total High Quality Liquid Asset (HQLA) divided by total net cash flows in accordance with Financial Services Authority Regulation No.42/POJK.03/2015 regarding liquidity coverage ratios for commercial banks.
STOCK AND BOND HIGHLIGHTS
BCA Share Price, Volume & Market Capitalization
Bonds Highlights
MANAGEMENT REPORT
Jahja Setiaatmadja President Director
REPORT OF THE BOARD OF DIRECTORS
Respected shareholders and stakeholders,
Economy and Banking in Indonesia
Bank Indonesia (BI) issued a series of macroprudential policies throughout the year in response to the economic impacts of the pandemic in order to maintain the country's macro stability. The Financial Services Office (OJK) has temporarily eased restructuring regulations for debtors experiencing financial difficulties due to the pandemic.
Strategic Steps and Performance
These proactive responses from policymakers have contributed to the resilience of the Indonesian economy amid the challenges of the pandemic, enabling the start of a recovery path before the end of the year. The Bank's key principles in mitigating the potential for increased credit risk, and this proved particularly valuable during the prolonged pressures of the pandemic.
Expanding Digital Solutions to Strengthen Transaction Banking
BCA implemented a number of internal policies and work procedures to mitigate risks and meet employee health and safety needs, such as working from home, video conferencing and split office protocols, as well as making use of various technological solutions to maintain external and internal communications.
BOARD OF DIRECTORS
BCA continued to promote the development of digital capabilities in all industries, including on the lending side and the internal business process. To this end, the bank develops visual analysis tools for credit monitoring and uses machine learning, big data technology and data-based analysis to explore new business potentials.
Maintaining Credit Quality
Synergy with BCA Subsidiaries
Implementing Good Corporate Governance
The Bank continues to actively communicate with its customers, regulators and the capital market community and promotes transparency towards its stakeholders. In 2020, the board of directors held 57 meetings of the board of directors and 14 joint meetings with the board of commissioners.
Corporate Social Responsibility
BCA consistently conducts self-assessment of its management implementation, and in the second half of 2020 achieved a "Very Good" rating, indicating adequate implementation of GCG principles.
Sustainable Finance
The best social disclosure ranking for the best issuers of the banking sector; Best ESG Disclosure Ranking for Best Book Category IV; Open ranking of the best banking environment for category IV of the best book; and the Best Social Bank Ranking of the Best Book IV Category. An 'A' rating on MSCI and ranked 1 of the top 10 constituents in the MSCI Indonesia Index, ranked 2 of the top 10 constituents in the FTSE4Good ASEAN Stars Index.
Performance of the Committees under the Board of Directors
An A+ rating from the Foundation for International Human Rights Reporting Standards (FIHRRST), meaning that the compliance of the content of the BCA Sustainability Report 2019 with POJK No.51/POJK.03/2017 is more than 90%. 5 (five) awards in the ESG Award 2020, according to Investors magazine and Bumi Global Karbon, in the following categories: The LQ45 - rating of the ESG issuer;
Changes to the Board of Directors
In line with the gradual economic recovery from the pandemic and the uncertainty it has created about the economic future, BCA has carefully set a moderate growth target for 2021. When setting the objectives, the development of key macroeconomic factors, including the foreseeable low interest rate environment, is always taken into account and takes into account the company's internal capacity and capabilities.
Appreciation to All Stakeholders
The transition to normality after the pandemic may bring its own risks, such as rising inflation and increased credit risk after the end of the restructuring period. It is also expected that the implementation of various business development plans will support the company's performance.
Jahja Setiaatmadja
In the coming years, BCA will prioritize initiatives that promote digitization, integration and automation with a view to strengthening services to customers, both in terms of efficiency and effectiveness across all industries.
Djohan Emir Setijoso President Commissioner
BOARD OF COMMISSIONERS’
SUPERVISORY REPORT
Dear Valued Shareholders,
Overview of Indonesian Economy and Banking
BOARD OF COMMISSIONERS
The appropriate measures taken by the government and regulators were able to reduce the economic downturn to -2.1% by the end of 2020, and also gradually recover export industries, which recorded a decrease of 2.6% as of December 2020, better than the export's decrease of 6.9 % in 2019. Banking NPL increased from 2.5% in 2019 to 3.1% in 2020, but this NPL level remained at a manageable level, supported by the OJK's credit restructuring relaxation policy.
Board of Directors’ Performance
On the other hand, loans recorded a decline of 2.4% in December 2020, compared to a solid growth of 6.1% in 2019, due to lower domestic consumption and low absorption of corporate capital spending. CASA grew by 21.0% in 2020 compared to the previous year, and the composition of CASA to total third-party funds reached 77.0%.
Business Prospects Outlined by the Board of Directors
We also recognize that our commitment to maintaining an excellent transaction banking franchise has resulted in high operating expenses and capital expenditures, although in 2020 these were lower than in previous years as programs and developments suffered delays due to the pandemic . The Board of Commissioners continues to provide full support to the Board of Directors in steering BCA towards success in all business lines, and particularly appreciates the Board's adaptation of digital transformation without neglecting the established business model, ensuring that developments the new digital complement and enrich the breadth of the Bank. range of services.
Implementation of Good Corporate Governance
BCA's Current and Savings Accounts (CASA) have grown steadily at 11.8% CAGR from 2010 to 2020, supported by high levels of customer confidence in the bank's robust payment settlement services.
Implementation of Sustainable Finance
Board of Commissioners and Whistleblowing System
Performance of Committees Under Board of Commissioners
Supervision and Advice Given to Board of Directors
Changes in Composition of Board of Commissioners
Djohan Emir Setijoso
CORPORATE PROFILE
COMPANY GENERAL INFORMATION
LINE OF BUSINESS
The line of business that BCA operates so far has strengthened BCA's position in the national banking industry. However, the entire industry, including banking and BCA, is now standing in the middle of an increasingly rapid digital revolution.
INNOVATION FOR THE CONVENIENCE & SIMPLICITY OF CUSTOMERS’ TRANSACTION
Online Account
Cardless Cash Withdrawal / Deposit
Debit Online Mastercard
Virtual Assistant Chat Banking (VIRA)
INNOVATION FOR SUCCESSING CUSTOMERS’ BUSINESS
Application Programming
BCA Cash Management
MILESTONES
Corporate actions
The bank continued the implementation of the Future Branch business model and a new improved service model to better meet the changing needs of customers. The new model will enrich the customer experience and improve the operational efficiency of the branches.
EVENT HIGHLIGHTS 2020
20 February9 February
21 February
28 February
02 April
09 April
12 April
20 March
27 March
27 May
30 July
10 July06 July
27 July
05 June
As part of the national financial system, BCA is committed to contributing to the sustainability of MSMEs in Indonesia. BCA is donating 100,000 face masks to three provinces in Indonesia in support of the Wear-a-Mask movement.
09 August
This has prompted BCA to become part of the roadmap for the national payment system to support convenience in online transactions. As an institution, inseparable from its community, BCA supports the efforts of the World Health Organization (WHO) and the Indonesian government to slow climate change.
24 September
BCA supported the program with the launch of a new feature, Debit Online, on the BCA mobile application. This support was manifested by BCA through the Bakti BCA CSR program by supporting the Wear-a-Mask Movement (GPM), which donated 100,000 masks to the people of West Java, Central Java and East Java.
20 November17 November
17 November
26 October
PT Bank Central Asia Tbk (BCA) is consistently committed to the sustainable management of environmental, social and governance aspects of the business. Welcoming New Year festivities, PT Bank Central Asia Tbk (BCA) has released the latest feature on BCA mobile, Lifestyle.
29 December
This was recognized by the reselection of BCA into the SRI-KEHATI Index Companies List for the period from December 2020 to May 2021. At the end of 2020, BCA received two awards from the Ministry of Finance of the Republic of Indonesia, namely the Best Performance Partner Distribution Award in 2019 and the Retail Distribution Partner of SBSN with the Best Performance in 2020.
To be the bank of choice and a
To build centers of excellence in payment settlements
To understand diverse customer
To enhance our corporate franchise and stakeholders value
VISION
MISSION
CORPORATE CULTURE
CORE VALUES
Customer Focus
Continuous Pursuit of
Integrity
Team work
PRODUCTS AND SERVICES
Eastspring Investments Yield Discovery Nikko Gebyar Indonesien Dua Panin Gebyar Indonesien II Schroder Dana Mantap Plus II Schroder Achievement Gebyar Indonesia II Fixed Income Mutual Funds USD. BNP Paribas Spektra * Schroder Dana Kombination Schroder Dana Terpadu II Schroder Dynamic Balance Fund Schroder Syariah Balanced Fund Equity Mutual Fund IDR.
ORGANIZATION STRUCTURE
GENERAL MEETING OF SHAREHOLDERS
PRESIDENT DIRECTOR Jahja Setiaatmadja
Supervises the internal audit/ . Subsidiary risk/compliance management function in conjunction with integrated corporate governance and integrated risk management application. . ^^) The Director of Corporate Banking determines which corporate business group reports to the EVP. Oversees the financial performance of subsidiaries. ^) The Director of Compliance and Risk Management oversees the risk of subsidiaries as part of the integrated risk management coordination lines.
BOARD OF DIRECTORS PROFILE
Suwignyo Budiman
Armand Wahyudi Hartono
Subur Tan
Henry Koenaifi
Erwan Yuris Ang
Rudy Susanto
Lianawaty Suwono
Santoso
Vera Eve Lim
Gregory Hendra Lembong
Haryanto T. Budiman
BOARD OF COMMISSIONERS PROFILE
Tonny Kusnadi
Cyrillus Harinowo
Raden Pardede
Sumantri Slamet
AUDIT COMMITTEE PROFILE
Ilham Ikhsan
Started his career in 1978 at BCA, later worked as a systems analyst at PT Giwang Selogam, a steel importer and distributor and served as finance manager at PT Multi Electrindo Raya. She then served as CFO at PT Danamas Insan Kreasi Andalan, a subsidiary of BCA Pension Fund engaged in human resource development.
Tjen Lestari
RISK OVERSIGHT COMMITTEE PROFILE
Endang Swasthika Wibowo
Inti Salim Corpora, who took on Senior Internal Auditor as her last position, joined BCA in August 1993 with an initial assignment in BCA's Internal Audit Division, and later served as Head of the BCA Payment Product Center Work Unit . She built her extensive career at the BCA Risk Management Unit (2003 – June 2020), taking on the role of Senior Advisor on Operational Risk Management as her final position.
Ernawati Soegito
Has been a member of the Risk Oversight Committee since September 1, 2020 based on Decree No. 147/SK/DIR/2020 of the Board of Directors.
Lianny Somyadewi D
REMUNERATION AND NOMINATION COMMITTEE PROFILE
Appointed as a member of the Remuneration and Nomination Committee on August 10, 2016, based on Board Decree No. He later assumed various management positions, including as Deputy Head of the Training and Development Department, Head of the Learning and Development Sub-Department, Head of the Network and Regional Planning Work Unit, and Head of the Human Department Capital Management (2016-present).
Hendra Tanumihardja
INTEGRATED GOVERNANCE COMMITTEE PROFILE
Wimpie Rianto
Appointed as a member of the integrated corporate governance committee in 2019 based on Board of Directors Decision No. Obtained a Bachelor's degree in civil engineering from the civil engineering faculty of Petra Christian University, Surabaya (1979), and a Master's degree in business administration from Indonesian Management Development Institute, IPMI) in 1988.
Sulistiyowati
From then until recently she has been a trainer and financial consultant and partner at Leny-Astrid & Associates, and since 2016 until recently she has been an independent commissioner at PT BCA Finance. Before joining BCA, from 1979 to 2011, Gusiono Kustianto held various senior positions, both in financial and non-financial industries, such as VP of Citibank N.A Jakarta, Director of PT Bank Tiara Asia Tbk (later merged into PT Bank Danamon Tbk) , division head of BPPN Bank restructuring unit, vice president director of PT Bank Internasional Indonesia Tbk (now PT Bank Maybank Indonesia Tbk), director of PT Tri Polyta Indonesia Tbk (now PT Chandra Asri Petrochemical Tbk), financial director of PT Broadband Multimedia Tbk (now PT First Media Tbk), and President Director of PT Indonesia Air Transport Tbk.
Gustiono Kustianto
Sejak November 2014, beliau juga menjabat sebagai komisaris independen dan ketua komite audit PT Asuransi Jiwa BCA. Semasa Pudjianto, beliau pernah menduduki posisi direktur keuangan, sumber daya manusia, dan umum di PT Asuransi Jiwa InHealth Indonesia, Jakarta.
Pudjianto
From Sutedjo, Prihatono was a member of the Audit Committee and the Risk Oversight Committee of PT Bank BCA Syariah. Joined BCA in 1984 and has since held various management positions, including as general manager and head of global trade and payment services, chief manager and deputy head of the international banking division, vice chairman of the SWIFT Indonesia Association, senior manager and deputy head of the Sudirman branch and head of the Asemka- the department.
Sutedjo Prihatono
His appointment for this last term took effect on September 25, 2017, based on Board Resolution No. His appointment for this last term took effect on September 25, 2017, based on Board Resolution No.
Rudy Harjono
He is also an independent commissioner of Central Santosa Finance since November 28, 2016, a member of the Audit Committee of PT Asuransi Jiwa BCA since October 1, 2014, and a member of the Audit Committee of PT BCA Finance since August 2015. Appointed a member of the Integrated Corporate Governance Committee on 25 September 2017 based on the board's decree no.
Mendari Handaya
Currently serves as Chairman of the Board of PT Karya Griya Bersama since 2009, Chairman of PT Dayalima Abisatya since 2012 and Independent Commissioner of PT Pelayaran Nasional Bina Buana Raya Tbk since 2012 and Independent Commissioner of PT PPA Finance since 2018, as well as the Planning and Risk Monitoring Committee from Perumnas. Previously, he was CEO of PT Pefindo Riset Konsultasi, director of investment banking and corporate finance at PT OSK Nusadana Securities Indonesia, director of PT Catunilai Finans Adhinarya, advisor at Lippo Group and group head of bank restructuring and department head of asset management investments at Indonesian Bank Restructuring Agency – IBRA.
Hendra Iskandar Lubis
Appointed as a member of the Integrated Management Committee on July 10, 2020, based on Board Resolution No. 125/SK/DIR/2020. Also PT Bank Digital BCA's independent proxy pursuant to the Extraordinary General Meeting of Shareholders on January 22, 2020, effective June 1, 2020.
Ignatius Djulianto Sukardi
He is currently the head of the information system security department at PT Rintis Sejahtera, a position he has held since 2015.
CORPORATE SECRETARY PROFILE
Raymon Yonarto
SENIOR OFFICERS
Grace Putri Ayu Dewijany* Head of Corporate Credit Risk Analysis Helena Maria Atmodjo* Head of Corporate Credit Risk Analysis Tan Tesien Tanudjaja* Head of Corporate Credit Risk Analysis Budi Mulja Adi Sentana* Head of Corporate and SME Credit Risk Analysis Djulijanto Liong * Head of the commercial credit risk and SME credit risk analysis team. Jip Thomas Sutanto, Head of IT Infrastructure and Operations Group Fransiscus Kaurrany, Head of IT Architecture and Service Quality.
NUMBER OF EMPLOYEES AND COMPETENCE DEVELOPMENT
Number of Employees
TRAINING AND/OR EDUCATION FOR THE BOARD OF COMMISSIONERS, BOARD OF DIRECTORS,
Employee Competence Development
Details of 20 Largest Shareholders
SHAREHOLDER COMPOSITION
BCA Ultimate Shareholder
Details of Shareholders with More than 5% Share Ownership
Public Shareholders with Less than 5% Shares Ownership
Share Ownership Percentage of Commissioners and Directors
RECORD OF BCA SHARE AND OTHER SECURITIES LISTING
Record of BCA Share Listing at the Indonesia Stock Exchange
Record of Other Securities Listing
BCA GROUP STRUCTURE AND SUBSIDIARIES OWNERSHIP
Car finance and multipurpose finance PT BCA Finance was established in 1981 and currently offers car finance, especially 4-wheelers. Car finance and multi-purpose finance PT BCA Multi Finance (formerly known as PT Central Santosa Finance/CSF) was established in 2010 and deals in motorcycle, car and multi-purpose finance.
INFORMATION ON SUBSIDIARIES
BCA Finance Limited PT Bank Central Asia Tbk: 100% remittance and money lending BCA Finance Limited was established in 1975, and. Banking PT Bank Digital BCA (formerly PT Bank Royal), is involved in commercial banking with status of Bank BUKU II.
CAPITAL MARKET SUPPORTING INSTITUTION
Public Accounting Kantor Akuntan Publik Tanudiredja,
Trustee
BCA Continuous Subordinated Bonds I Phase I 2018
PT Bank Rakyat Indonesia (Persero) Tbk Trust and Corporate Services
Share Registrar PT Raya Saham Registra
Notary
Fitch Ratings Singapore Pte Ltd One Raffles Quay
PT Fitch Ratings Indonesia
PT Pemeringkat Efek Indonesia (PEFINDO) Panin Tower Senayan City, 17 th Floor
Law Firm Consultant Hadiputranto, Hadinoto & Partners
AWARDS AND CERTIFICATIONS
PENGHARGAAN
AWARDS
19 TOP Brand Award 2020 Marketing Magazine BCA (for Credit Card Category) BCA (for Deposit Product Category) Flazz (for Prepaid Card Category) HALO BCA (for Call Center Category) Click BCA (for Internet Banking Category) KPR BCA (for Bank's Mortgage Category) m-BCA (for Mobile Banking -category) Tahapan BCA (for savings product category) March 11 Infobank - The best bank in. 25 Payment Channel Award 2020 BPJS Kesehatan The highest transaction and revenue for non-pool banking category.
BRANCHES
INFORMATION ON COMPANY’S WEBSITE
MANAGEMENT
DISCUSSION AND ANALYSIS
Contents
BUSINESS SEGMENT
PERFORMANCE OVERVIEW
Transaction Banking
Corporate Banking
Number of Transaction Growth (YoY)
Corporate Loan Growth (YoY)
Commercial & SME Banking
Commercial & SME loan growth (YoY)
Individual Banking
Consumer Loan Growth
YoY)
Business Review
TRANSACTION BANKING
Third Party FundsRp 642.1
CASA
Number of
Transactions Growth
Strengthening the Transaction Banking Franchise through Digitalization
In the future, BCA will regularly update and develop other lifestyle features to round out the service and serve a wider range of customer needs.
Integrated Multi Channel Network
BCA continues to improve in-branch service levels, convenience and efficiency by installing digital devices that customers can use independently. CS Digital, e-services and STAR ATM are some examples of this new concept.
Comprehensive Transaction Banking Solutions
BCA savings accounts are mostly transactional accounts, which are used as day-to-day transactional accounts to meet the business needs of the Bank's individual business customers. Apart from the Bank's various partnerships, BCA is the only bank in Indonesia that issues private label or proprietary cards, namely the BCA Batik Credit Card and the Everyday Card, which offers a more direct relationship with customers.
Future Development Plan
CORPORATE BANKING
Corporate Loan Portfolio
Corporate Loan growth
With these measures and careful diversification across business sectors, BCA managed to maintain a non-performing loan ratio of 1.6% for business loans, higher than the 1.4% in 2019. BCA constantly monitors conditions in all business sectors to capture opportunities for lending to potential sectors and to minimize exposure to higher risk sectors.
Comprehensive Solutions for Customers
Corporate banking continues to pursue collaborations with communities in healthcare, transportation and logistics, e-commerce, real estate and building materials, where the Bank has seen significant potential in those communities. The Bank continues to equip them with deeper knowledge about the sector, risks and overall debtor exposure management, as well as the ability to use data analytics to improve portfolio analysis.
Syndicated Loans to Support Infrastructure Development
Future Development Plans
COMMERCIAL AND
SMALL & MEDIUM ENTERPRISE (SME) BANKING
In addition, the Bank regularly reviews and assesses the adequacy of its credit provision in the Commercial and SME credit portfolio. The Bank sets limits for commercial and SMEs by considering each client's current business scale and prospects.
Focus on Customer Engagement
In the micro segment, the Bank's activities include building cooperation with various companies that have direct access and infrastructure to the micro market, such as BPR Karya Perdana Sejahtera, Klik ACC, iGrow, Akseleran and Fintech Modalku.
Providing an Integrated Cash Management Service
COMMERCIAL AND SMALL & MEDIUM ENTERPRISE (SME) BANKING
Currently, 63 thousand customers make BPJS Ketenagakerjaan payments through BCA, with total transactions of more than Rp. 11 trillion. As an impact of the implementation of PSBB, the frequency of cash management transactions in the commercial and small and medium enterprises segment achieved a growth of 20.0% by the end of the year, reaching more than 460 million transactions.
INDIVIDUAL BANKING
Consumer Loans PortfolioRp118.1 trillion
Priority and Solitaire Banking
Quality Consumer Credit
Mortgages (KPR)
BCA believes that mortgages will continue to grow as housing remains a primary need and mortgage penetration in Indonesia is still relatively low, not to mention, BCA's large customer base provides a great opportunity to offer mortgages to customers qualitative. Finally, with the current low interest rate environment, BCA believes mortgages have ample room to grow in the near future.
Vehicle Loans (KKB)
In addition, mortgages have a relatively longer credit term, creating greater opportunities for the Bank to develop deeper relationships and engage in targeted cross-selling.
Credit Cards
Wealth Management
In the individual banking business, BCA will continue to focus on maintaining relationships and expanding the portfolio of existing customers, while further increasing new customer growth. Looking ahead, BCA will continue to develop new ways to scale individual banking businesses through broader product penetration and deeper customer relationships.
TREASURY AND
INTERNATIONAL BANKING
TREASURY
Treasury and International Banking
Treasury Portfolio
Managing Liquidity
Treasury Banking Solutions
BCA Custodian is a service offering securities custody and mutual fund management for corporate and consumer clients. In 2020, BCA Custodian recorded a total of Rp 155 trillion in assets under management and more than 118,000 securities accounts.
Trade Finance Services
BCA Custodian ensures the safe management of assets under management and protects the rights of asset owners, such as receiving dividends or bond coupon payments. BCA Custodian manages a range of securities including stocks, government bonds, corporate bonds, deposits, mutual funds and fund management contracts.
TREASURY AND INTERNATIONAL BANKING
In addition to currency products and services, BCA also offers fund administration services for investment funds and custodians. The Bank continuously develops these services in line with customers' needs and their business growth.
Remittance Services
Financial Institutions Group
RISK
Business Support
RISK MANAGEMENT FOCUS IN 2020
Continue to adjust internal business processes and services amid the COVID-19 pandemic while considering the balance between convenience and security and implementing risk management. Preparing the necessary infrastructure to meet regulatory requirements regarding the calculation of Operational Risk RWA using the standardized approach framework that will be implemented in January 2023.
Credit Quality
The growth has mainly come from credit facilities for investments, especially in the plantation and agriculture sectors. In line with technological development such as machine learning and data analysis, BCA will continue to develop capabilities in the loan process for better quality loan disbursement.
Liquidity
BCA closely monitored the condition of debtors restructuring their loans, creating a provision for impairment losses on financial assets Rp11.6 trillion in 2020, up 153.3% from Rp4.6 trillion in 2019 as anticipation of increased credit risk in the middle of the crisis. insecurity. Note: These categories are based on BCA internal classifications and are defined differently from those in the Financial Audit Report, which refers to classifications in the General Banking Report as determined by the regulator.
Capital Position
Exchange Rate Risk
Operational Risk
Regarding the media to communicate and promote a risk management culture in the bank, BCA has published an operational risk management policy and guidelines for all transaction processes in the bank. In this review process, the risk management unit identifies and provides input on risk mitigation to related work units.
INTEGRATED RISK MANAGEMENT
Integrated risk management in accordance with the characteristics and complexity of the BCA financial conglomerate. Compliance with the implementation of integrated risk management and comparison with existing policies and procedures.
INTERNAL CONTROL
Formulate policies and procedures, and limit the determination of integrated risk management, according to the Bank's risk appetite and risk tolerance. Adequacy of identification, measurement, monitoring and control of integrated risks, as well as the integrated risk management information systems.
RISK PROFILE ASSESSMENT OF BCA AND SUBSIDIARIES
Active supervision of BCA financial conglomerate by the board and the board of the main unit.
DISCLOSURE OF RISK MANAGEMENT
- BCA’s Application of Risk Management
- A. Active Supervision by the Board of Commissioners and the Board of Directors
- B. Adequacy of Risk Management Policies and Procedures and Determination of Risk Limits
- D. Comprehensive Internal Control System
After obtaining approval from the board of commissioners, the board determines the policy, strategy and risk management framework. To support the implementation of the internal control system, BCA has a fully documented risk management policy (organizational structure, segregation of duties, risk limits and other).
GENERAL MEETING OF SHAREHOLDERS
DEPUTY PRESIDENT DIRECTOR
BOARD OF COMMISSIONERS
EFFECTIVENESS OF BCA RISK MANAGEMENT SYSTEMS
BCA Capital Capital Structure
BCA ensures an adequate capital position to support the business development of the Bank and its subsidiaries. The Bank and all its subsidiaries conducted integrated stress tests using various scenarios, which resulted in changes to NPL levels and their effects on income, liquidity position and capital position.
Basis for Management Policy on Capital Structure
- Disclosure of Risk Exposure and Implementation of Risk Management
- A. Disclosure of Credit Risk Exposure and Implementation of Credit Risk Management
- B. Disclosure of Market Risk Exposure and Implementation of Market Risk Management
- C. Disclosure of Operational Risk Exposures and Implementation of Operational Risk
- D. Disclosure of Liquidity Risk Exposure and Implementation of Liquidity Risk Management
- E. Disclosure of Legal Risk Exposure and Implementation of Legal Risk Management
- F. Disclosure of Strategic Risk Exposure and Implementation of Strategic Risk Management
- G. Disclosure of Reputation Risk Exposure and Implementation of Reputation Risk
- H. Disclosure of Compliance Risk Exposure and Implementation of Compliance Risk
Establishment of Risk Management Committee and Asset Liability Committee (ALCO) at board level;. The product development committee, the investment committee and the risk management committee are set up at board level.
Risk Management Table
General - Key Metrics - Bank as Consolidated with Subsidiaries
Leverage Ratio *)
General - Difference between consolidated scope and mapping in the financial statement in accordance with financial accounting standards by risk categories as reported by regulatory for risk categories
General - The difference between consolidated scope and mapping in the accounts in accordance with accounting standards by risk categories as reported by authorities for risk categories with financial accounting standards by risk categories as reported by authorities for risk categories. General - Differences between book value in accordance with Indonesian accounting standards with exposure value in accordance with the Financial Services Authority (LI2).
General - Differences between carrying value in accordance with Indonesian Financial Accounting Standards with exposure value in accordance with Financial Services Authority (LI2)
General - Explanations of differences between accounting and regulatory exposure amounts (LIA)
Additional Tier 1 instruments (and CET1 instruments not included in row 5) issued by subsidiaries and held by third parties (amount allowed in group AT1). Significant investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions).
Capital: Instruments and Provisions
- Common Equity Tier 1 (as a percentage of risk weighted assets) 24.82% 25.89%
- Capital - Composition of Capital (CC1) - as of December 31, 2019
- Common Equity Tier 1 capital before regulatory adjustments 170,089,822 177,144,715 Common Equity Tier 1 capital: Regulatory Adjustments
Significant investments in ordinary shares of banking, financial and insurance entities that are outside the scope of regulatory consolidation, without eligible draw positions (amount above 10% .threshold). 34 Additional level 1 instruments (and CET1 instruments not included in row 5) issued by subsidiaries and held by third parties (amount . allowed in group AT1).
- EQUITIES
- Leverage Ratio Calculation Report
31a Leverage ratio (excluding the impact of an applicable temporary exemption from central bank reserves) containing the average values from row 28 of the gross SFT assets. 5 Adjustment of fiduciary assets that are included in the balance sheet under the accounting standard, but are excluded from the total exposure in the calculation of the leverage ratio.
