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Laporan Tahunan 2022 Annual ReportTable of Contents
DAFTAR ISI
Ikhtisar Keuangan Financial Highlights
Ikhtisar Kinerja Lingkungan dan Sosial
Overview of Environmental and Social Performance Ikhtisar Kinerja Saham
Overview of Stock Performance Penghargaan dan Sertifikasi Tahun 2022 Awards and Certifications in 2022
Laporan Dewan Komisaris
Report of the Board of Commissioners Laporan Direksi
Report of the Board of Directors
Surat Pernyataan Anggota Dewan Komisaris Tentang Tanggung Jawab Atas Laporan Tahunan 2022 PT BCA Finance
Statement of Members of Board of Commissioners on the Responsibility for the 2022 Annual Report of PT BCA Finance
Jaringan Usaha Business Network Struktur Organisasi Organization Structure Keanggotaaan Asosiasi Industri Industrial Association Membership Perubahan Komposisi Manajemen
Changes in the Composition of Management Profil Direksi
Board of Directors Profile Profil Dewan Komisaris
Profile of Board of Commissioner Demografi Karyawan
Employee Demographics Komposisi Pemegang Saham Composition of Shareholders
Pemegang Saham Utama dan Pengendali Information of Major and Controlling Shareholders Daftar Entitas Asosiasi
List of Associated Entities Struktur Grup
Structure of The Company Group Kronologis Pencatatan Saham Share Listing History
Kronologi Pencatatan Oblilgasi Bond Listing History
Kronologis Penerbitan Efek Lainnya Chronology of Other Securities Listing
Nama dan Alamat Lembaga Penunjang Pasar Modal Name and Address of Supporting Capital Market Institutions Pengembangan Kompetensi Dewan Komisaris, Direksi, Komite-Komite, Sekretaris Perusahaan, Satuan Kerja Audit Internal Tahun 2022
Competency Development of The Board of Commission- ers, Board of Directors, Committees, Corporate Secretary, Internal Audit Work Unit in 2022
Informasi Perusahaan Corporate Information Skala Perusahaan Company Scale Riwayat Singkat Brief History Jejak Langkah Milestone
Identitas dan Logo Perusahaan Company Identity and Logo
Visi, Misi, dan Nilai-Nilai Budaya Perusahaan Vision, Mission, and Company Cultural Values Bidang Usaha
Line of Business Produk dan Layanan Products and Services
Sumber Daya Manusia Human Resources Teknologi Informasi Information Technology 13
14 15 17 2 3 4 6 8
24 30 38
56 68 71 71 72 83 88 91 93 94 95 96 96 96 97 99
42 43 44 46 48 49 54 55
Tinjauan Makroekonomi Global dan Nasional Review on Global and National Macroneconomics Tinjauan Operasi Per Segmen Usaha
Operational Review by Business Segment Tinjauan Keuangan
Financial Review 118
120 125 106 111
Ikhtisar Kinerja 2022
2022 Performance Overview
Laporan Manajemen
Management Reports
Tinjauan
Pendukung Bisnis
Business Support Review
Profil Perusahaan
Company Profile
Analisis dan
Pembahasan Manajemen
Management Discussion and Analysis
Sanggahan dan Batasan Tanggung Jawab Liability Disclaimer and Limitation
Tentang Laporan Tahunan About the Annual Report Tema Laporan Tahunan 2022 2022 Annual Report Themes Kesinambungan Tema Theme Continuity Daftar Isi Table of Contents Keunggulan Perusahaan Company Advantages
Laporan Tahunan 2022 Annual Report
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Kebijakan Nominasi dan Remunerasi Dewan Komisaris dan Direksi
Nomination and Remuneration Policy of The Board of Commissioners and Directors
Pengungkapan Hubungan Afiliasi Anggota Dewan Komisaris, Direksi, dan Pemegang Saham Utama Disclosure of Affiliated Relationships Among The Board of Commissioners, The Board of Directors, and Main Shareholders
Komite Di Bawah Dewan Komisaris
Committees Under The Board of Commissioners Organ Di Bawah Direksi
Organs Under The Board of Directors Manajemen Risiko
Risk Management
Sistem Pengendalian Internal Internal Control System Kode Etik
Code of Ethics
Sistem Pelaporan Pelanggaran Whistleblowing Report System
Pendekatan Keberlanjutan Sustainability Approach
Ikhtisar Kinerja Aspek Keberlanjutan
Summary of Performance Aspects of Sustainability Kinerja Ekonomi
Economic Performance Kinerja Lingkungan Hidup Environmental Performance Aspek Sosial
Social Aspect Aspek Ketenagakerjaan Employment Aspect Aspek Kemasyarakatan Community Aspect
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan Responsibility for Sustainable Product/Service Development Referensi Silang POJK No. 51/POJK.03/2017 – Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik
POJK Cross-Referencing No. 51/POJK.03/2017 – Sustainable Finance Implementation for Financial Institutions, Issuers, and Public Companies
Referensi Silang SEOJK No. 16/SEOJK.04/2021 – Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan Publik SEOJK Cross-Referencing No. 16/SEOJK.04/2021 – Form and Contents of Annual Reports of Issuers or Public Companies Lembar Umpan Balik
Feedback Sheet Testimoni Testimonials Laporan Keuangan Financial Report Tingkat Kolektibilitas Piutang
Collectibility Rate of Receivables
Struktur Modal dan Kebijakan Manajemen Struktur Modal Capital Structure and its Management Policy
Ikatan Material untuk Investasi Barang Modal Material Investments in Capital Goods Investasi Barang Modal Tahun 2022 Capital Goods Investment in 2022
Perbandingan Antara Target dan Realisasi Tahun 2022, Serta Proyeksi Tahun 2023
Comparison Between Targets and Realization in 2022, and Projections for 2023
Informasi Keuangan yang Telah Dilaporkan yang
Mengandung Kejadian yang Sifatnya Luar Biasa atau Jarang Terjadi
Reported Financial Information which Contains Extraordinary or Rare Events
Prospek Usaha Business Prospect Aspek Pemasaran Marketing Aspect Kebijakan Dividen Dividend Policy
Program Kepemilikan Saham Karyawan atau Manajemen (ESOP/MSOP)
Employee or Management Share Ownership Program (ESOP/
MSOP)
Informasi Material Mengenai Investasi, Ekspansi, Divestasi, Penggabungan/ Peleburan Usaha, Akuisisi, dan Restrukturisasi Utang/Modal
Material Information Regarding Investment, Expansion, Divestment, Business Merger/Consolidation, Acquisition, and Debt/Capital Restructuring
Realisasi Penggunaan Dana Hasil Penawaran Umum Realization of the Use of Public Offering Funds
Transaksi Material yang Mengandung Benturan dan/atau Pihak Afiliasi
Material Transactions that Contain Conflict and/or Affiliated Parties
Pengaruh Perubahan Regulasi Pemerintah Terhadap Perseroan
The Effect of Changes in Government Regulations on the Company
Perubahan Kebijakan Akuntansi yang Berdampak Terhadap Kinerja Keuangan
Changes in Accounting Policies that Affect Financial Performance
234 239 241 242 246 246 248 252 253
257
273 181
183
184 196 209 216 222 224
276 Rapat Umum Pemegang Saham (RUPS)
General Meeting of Shareholders (GMS) Direksi
Board of Directors Dewan Komisaris Board of Commissioners
Penilaian Kinerja Dewan Komisaris dan Direksi
The Performance Evaluation of The Board of Commissioners and Directors
156 166 171 180 137 137 139 139 140
141
142 143 145 145
146
146 146
147
147
