The challenging environment the bank faced in 2016 served as a test of the resilience of BCA's business model. The solid business model of the bank enabled BCA to have another year of good financial performance.
Financial Highlights - Continued
BCA Share Price, Volume & Market Capitalization
BCA Dividends History *
On a consolidated basis, the bank has liabilities in the form of bonds issued by the subsidiary BCA Finance, which were recorded at 239.7 billion Rp. on December 31, 2018. Information on the issued bonds of BCA Finance is available in the audited consolidated financial statements on pages 631-632.
Bonds Highlights
Report of the Board of Directors
Indonesia's economy and the banking industry in 2018 The world economy has gradually recovered, characterized by the improved economic indicators of developed countries, especially the United States. In 2018, the average oil price rose, increasing the import value of crude oil and putting pressure on Indonesia's trade balance.
We continue to develop our products and services leveraging on digital technology, and undertake
This positive trend prompted the US Federal Reserve (Fed) to begin normalizing monetary policy by raising its Fed Fund Rate (FFR) four times in 2018 to 2.5%. Nevertheless, the global economic outlook remains UNCERTAIN3 PRESSURES ON $0 IN ALL COUNTRIES, including China, the world's second largest economy, WHERE GROWTH 'FALLS BELOW $0! THE BEGINNING OF 2018 saw the emergence of trade tensions between the US and a number of countries, including China, Canada, Mexico and the European Union.
The base rate adjustment was intended to stabilize Indonesia's domestic financial market amid global uncertainty. Convenience, security and reliability of transactions remain our focus in the development of transaction banking infrastructure.
Board of Directors
With her experience and competence in the banking sector, we believe she will contribute to the overall performance of BCA. We also appreciate the Board of Commissioners' valued support and guidance to the Board of Directors in the performance of its duties, which contributed to the successful performance of the BCA in 2018.
Board of Commissioners’
The implementation of good corporate governance, risk management and internal
Board of Commissioners
Supervisory and advisory role for the Board of Directors The Supervisory Board supervises the . the management of the company. We appreciate the contributions of committees to increase the effectiveness of the Supervisory Board in 2018.
Corporate actions highlights in 2000-2005
With effect from September 2, 1975, the bank's name was changed to PT Bank Central Asia (BCA). BCA aggressively expanded its branch network in line with the deregulation of the Indonesian banking sector.
Business development
SSOCIATIONFOR'OVERNMENT3SECURITIES (HIMDASUN), BCA participates in the publication of the Market Standard for Debt Securities REPO Transactions as a reference and guide in repo transactions. BCA chairman director Jahja Setiaatmadja poses for a picture with his fellow director Erwan Yuris Ang (left) after the former won the Best Asian Bank award at FinanceAsia 2018.
The President Director of BCA Jahja Setiaatmadja was accompanied by Vice President Director of BCA Armand W. Hartono, Director of BCA Santoso, Director of BCA Lianawaty Suwono and Senior Executive Vice President of Strategic Information 4ECHNOLOGY'ROUPOF"#!(ERMAWAN Thendean after he symbolically awarded the winner of Finhacks #DataChallenge 2018 in Jakarta.
28NOVEMBER
In addition to being in BrandZ's top 50 most valuable Indonesian brands for 2018, this year BCA also became the first Indonesian brand to appear in the global ranking, taking the 99th POSITION IN" RAND:'LOBAL4OP 100. the partnership that is created in recent years.
To be the bank of choice and a major pillar of the Indonesian economy
To build centers of excellence in payment settlements and financial solutions for businesses and individuals
To enhance our corporate franchise and stakeholders value
VISION
MISSION
The Vision and Mission Statements have been approved by the Board of Directors and Board of Directors of PT Bank Central Asia Tbk THROUGH$ECREE.O3+$)2DATED&EBRUAR REGARDING 6ISIONOG-ISSIONOF04"ANK#ENTRAL!SIA4BK-EANWHILETHECORE VALUESWEREGHEROUGH$ECREEDTEDAT. *SELECTING CORE VALUESFOR04"ANK#ENTRAL!SIA4BK.
CORE VALUES
Continuous Pursuit of Excellence
Teamwork
Integrity Customer
Focus
Products and Services
Reksa Dana Terproteksi Schroder Dana Likuid "ATAVIA0ROTEKSI'EBYAR))) "ATAVIA0ROTEKSI'EBYAR6" ATAVIA0ROTEKSI'EBYAR6) "ATAVIA0ROTEKSI'EBYAR6)) "ATAVIA0ROTEKSI'EBYAR6))) Reksa Dana Pendapatan Tetap (IDR) - Bahana Fixed Income Makara. IKKO' EBYAR)NDONESIA$UA 0ANIN'EBYAR)NDONESIA)) - Schroder Dana Mantap Plus II 3CHRODER0RESTASI'EBYAR)NDONESIA)) Reksa Dana Pendapatan Tetap (USD) - BNP Paribas Prima USD - Schroder USD Bond Fund Reksa Dana Hybrid - BNP Paribas Spektra* - Schroder Dana Terpadu II - Reksa Dana Saham Campuran Schroder Syariah (IDR).
BOARD OF DIRECTORS
Organization Structure
GENERAL MEETING OF SHAREHOLDERS
PRESIDENT DIRECTOR Jahja Setiaatmadja
DEPUTY PRESIDENT DIRECTOR Armand Wahyudi Hartono
BOARD OF COMMISSIONERS
DEPUTY PRESIDENT DIRECTOR 2)
In 2018, participated in a number of training programs, seminars and conferences, including: Indonesia.. s )INTERNATIONAL, INTERNATIONAL CONTROLS, TRANSFORMATIONAL#FERENCEV4 CHAIN, CONTROLS.EXT%RA)ISSUE In 2018, participated in a number of training programs, seminars and conferences, including: .. s Creco Indonesia Outlook 2018 – PT Creco Indonesia – Jakarta, Indonesia.
Governance Committee
Beliau kemudian berturut-turut menjabat sebagai pimpinan cabang BCA, antara lain Cabang Penunjang RANCH 0ALEMBANG 0ANGKAL 0INANG "RANCH *AMBI" (Cabang AYAM 7URUK "RANCH 'AJAH -ADA, Cabang Wisma Asia, dan sebagai Manajer Kantor Wilayah di Medan. Kantor Wilayah Haryono Wongsonegoro Manajer VIII, Pondok Indah, Jakarta Djoko Rosmiatun Mijaata Kepala Kanwil IX, Matraman, Jakarta.
Number of Employees
Employee Competence Development
BCA Ultimate Shareholder
Details of 20 Largest Shareholders
Details of Shareholders with More than 5% Share Ownership
Public Shareholders with Less than 5% Shares Ownership
Share Ownership Percentage of Commissioners and Directors
BCA Group Structure and
The IPO was listed on the Jakarta Stock Exchange and the Surabaya Stock Exchange on May 31, 2000 (both exchanges are currently merged into the Indonesia Stock Exchange).
Record of BCA Share Listing at the Indonesia Stock Exchange
Record of Other Securities Listing
PT Central Capital Ventura (CCV). in billions of Rupiah) Company address Operational status PT BCA Finance was established in 1981 and currently PT Central Santosa Finance was established in 2010 and currently offers consumer finance, factoring and financial leasing.
Continued
Branches
Branches - Continued
Training and/or Education for the Board of
Management Discussion
Reducing currency and foreign exchange risk related to capital expenditure 264 .. s -ATERIAL)NFORMATION AND&ACTIONS FOLLOWING THE $ATEOF!ACCOUNTANTS2REPORT 271. Outlook for the Indonesian Economy and Banking Sector in BCA Business Outlook and Strategic Priorities in s -ANAGEMENTANDOR% MPLOYEE3TOCK/PTION0LAN 2 74 .. with 2EALIZATION0UBLIC/OFFERS&UNDS 274.
Transaction Banking
Business Review
Third Party Funds
Annual Report 2018 PT Bank Central Asia Tbk 107 In this era of digitization, BCA's banking transactions have. We continue to proactively innovate new transaction banking products and services in line with customer needs and the development of digital technology.
Corporate Banking
Corporate Loan Portfolio
Corporate Loan Portfolios by Industry Sectors
Along with commercial and SME banking, corporate banking has developed a value chain financing business, focusing on companies in developing industries. The increase in the commercial and SME loan portfolio was driven by an increase in credit demand.
Commercial and SME Loan Portfolio
In its efforts to optimize commercial lending and lending, BCA continues to strengthen its credit infrastructure, including increasing human resource capacity and using technology to improve process efficiency. Commercial and SME lending business plans are supported by a wide network of branches.
Commercial and SME Banking
We continue to strengthen our capacity in commercial and SME lending as well as cash. Annual Report 2018 PT Bank Central Asia Tbk 125 To support the growth of commercial loans and SME loans.
Consumer Loans Portfolio
The bank's large customer base provides great potential for BCA to offer individual banking products. The bank's large customer base provides great potential for BCA to offer individual banking products and.
Treasury Portfolio
Treasury and International Banking in 2018
We recorded a net interest margin (NIM) of 6.1% in 2018, supported by the optimization of return on earned assets and managed costs of funds. The Bank's efforts in government bond sales also contribute to fee income.
Risk Management
Business Support
BCA’s Application of Risk Management
A. Active Supervision by the Board of Commissioners and the Board of Directors
In evaluating the effectiveness of BCA's risk management system, the Board of Directors and the Board of Directors are assisted by committees under the Board of Commissioners and the Board of Directors. Evaluation of the effectiveness of risk management is also carried out through regular reports submitted to the Board of Commissioners and the Board of Directors.
BCA Capital
BCA provides an adequate capital position to support the development of the business of the Bank and its subsidiaries. The Bank's capital requirements can be fully met by increasing a healthy financial performance.
Disclosure of Risk Exposures and Implementation of Risk Management
In 2018, BCA issued subordinated bonds for the first time as part of the rehabilitation plan to fulfill the bank's obligations as a system bank based on OJK Regulation no. With reference to the regulation of the Financial Services Authority, the board of directors prepares the capital plan as part of the bank's business plan and obtains the approval of the board of directors.
The bank measures credit risk using a standardized method based on guidelines in accordance with OJK Circular Letter No. In calculating risk-weighted assets (RWA) for credit risk, the Bank refers to OJK Circular Letter No.
Interest rate risk can arise from securities transactions, as well as from Forward and SWAP transactions. The bank uses the profit method and the economic value method to measure interest rate risk.
C. Disclosure of Operational Risk Exposures and Implementation of Operational Risk
Based on this process and in coordination with the Risk Management Unit, the business units determine the controls to be implemented to mitigate the identified risks. The application of RCSA, LED and KRI is supported by the Operational Risk Management Information System (ORMIS).
D. Disclosure of Liquidity Risk Exposure and Implementation of Liquidity Risk Management
Responsible for monitoring statutory reserves and ensuring the bank's compliance with Bank Indonesia's regulations regarding statutory reserves;. Based on the NSFR calculations in 2017, the bank's NSFR is above the minimum requirement, both on a bank-only and consolidated basis.
Measuring the progress of the Bank's business plan To measure progress in achieving the business plan, the Bank carries out the following activities: .. s )IDENTIFYING THE MEASURING AND MONITORING of strategic risks, as well as preparing quarterly strategic risk profile reports;
G. Disclosure of Reputation Risk Exposure and Implementation of Reputation Risk
H. Disclosure Of Compliance Risk Exposure And Implementation Of Compliance Risk
Internal control is carried out by the Working Unit for Internal Audit, the Commissioner and the Board of Directors. PT CENTRAL CAPITAL VENTURA Active supervision by the Board of Commissioners and the Board of Directors.
Risk Management Table *
Disclosure of the Bank's capital structure (on a standalone basis and consolidated) is presented in the audited Consolidated Financial Statements, note no. Disclosure of Net Debtors by Region - Bank Only. 1 Opening balance - allowance for impairment losses Additional/reversal allowance for impairment losses during the year (Net).
