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Laporan Tahunan 2022 Annual ReportStrategi Keberlanjutan Sustainability Strategy
1) Penjelasan nilai keberlanjutan Perusahaan.
Explanation of the Company’s sustainability value.
[4.a.1]
2) Penjelasan respons Perusahaan terhadap isu terkait penerapan Keuangan Berkelanjutan.
Explanation of the Company’s response to the issues related to the implementation of Sustainable Finance.
[4.a.2] 33
3) Penjelasan komitmen pimpinan Perusahaan dalam pencapaian penerapan Keuangan Berkelanjutan.
Explanation of the Company management commitment in achieving the implementation of Sustainable Finance.
[4.a.3] 34
4) Pencapaian kinerja penerapan Keuangan Berkelanjutan.
Achievement of the performance of the implementation of Sustainable Finance.
[4.a.4] 12
5) Tantangan pencapaian kinerja penerapan Keuangan Berkelanjutan.
Challenges of the performance achievement of the implementation of Sustainable Finance.
[4.a.5] 236
b. Penerapan Keuangan Berkelanjutan: | Implementation of Sustainable Finance:
1) Pencapaian kinerja penerapan Keuangan Berkelanjutan (ekonomi, sosial, dan lingkungan hidup) dibandingkan dengan target.| Achievement of the performance Implementation of Sustainable Finance (economic, social, and environmental) compared to the target.
[4.b.1] 237
2) Penjelasan prestasi dan tantangan termasuk peristiwa penting selama periode pelaporan (bagi LJK yang diwajibkan membuat Rencana Aksi Keuangan Berkelanjutan).
Explanation of the achievements and challenges including important events during the reporting period (for LJK which is required to submit a Sustainable Financial Action Plan).
[4.b.2] 236
c. Strategi Pencapaian Target: | Target Achievement Strategy:
1) Pengelolaan risiko atas penerapan Keuangan Berkelanjutan terkait aspek ekonomi, sosial, dan lingkungan hidup. | Risk management on the Implementation of Sustainable Finance related to economic, social and environmental aspects.
[4.c.1] 210
2) Pemanfaatan peluang dan prospek usaha. | Utilization of business opportunities and prospects. [4.c.2] 142 3) Penjelasan situasi eksternal ekonomi, sosial, dan lingkungan hidup yang berpotensi mempengaruhi
keberlanjutan Perusahaan. | Explanation of potential external economic, social and environmental situations that affecting the Company’s sustainability.
[4.c.3] 236
5 Tata Kelola Keberlanjutan | Sustainability Governance
a. Uraian tugas Direksi dan Dewan Komisaris, pegawai, pejabat dan/atau unit kerja yang menjadi penanggung jawab penerapan Keuangan Berkelanjutan.
Description of the duties of Board of Directors and Board of Commissioners, employees, officers and/or work units who are responsible for the implementation of Sustainable Finance.
[5.a] 234 & 167
b. Pengembangan kompetensi anggota Direksi, anggota Dewan Komisaris, pegawai, pejabat dan/
atau unit kerja yang menjadi penanggung jawab penerapan Keuangan Berkelanjutan.
Competency development of the Directors, member of the Board of Commissioners, employees, officers and/or work units who are responsible for the implementation of Sustainable Finance.
[5.b] 90
c. Penjelasan mengenai prosedur Perusahaan dalam mengidentifikasi, mengukur, memantau, dan mengendalikan risiko atas penerapan Keuangan Berkelanjutan terkait aspek ekonomi, sosial, dan lingkungan hidup, termasuk peran Direksi dan Dewan Komisaris dalam mengelola, melakukan telaah berkala, dan meninjau efektivitas proses manajemen risiko Perusahaan.
Explanation of the Company’s procedures in identifying, measuring, monitoring and controlling risks for the implementation of Sustainable Finance related to economic, social and environmental aspects, including the role of the Board of Directors and Board of Commissioners in managing, conducting periodic reviews, and reviewing the effectiveness of the Company’s risk management process.
[5.c] 210
d. Penjelasan mengenai pemangku kepentingan yang meliputi: | A description of the stakeholders includes:
1) Keterlibatan pemangku kepentingan berdasarkan hasil penilaian (assessment) manajemen, RUPS, surat keputusan atau lainnya.
Involvement of stakeholders based on management assessment results, GMS, decree and others.
[5.d.1] 235
2) Pendekatan yang digunakan Perusahaan dalam melibatkan pemangku kepentingan dalam penerapan Keuangan Berkelanjutan.
Approach taken by the Company in involving stakeholders in the implementation of Sustainable Finance.
[5.d.2] 235
e. Permasalahan yang dihadapi, perkembangan, dan pengaruh terhadap penerapan Keuangan Berkelanjutan. | Problems encountered, developments, and influences on the implementation of Sustainable Finance.
[5.e] 236
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PT BCA FINANCE
6. Kinerja Keberlanjutan | Sustainability Performance
a. Penjelasan mengenai kegiatan membangun budaya keberlanjutan di Perusahaan.
A description of the activities of building a culture of sustainability in the Company.
[6.a] 239
b. Uraian mengenai kinerja ekonomi: | Description of the economic performance:
1) Perbandingan target dan kinerja produksi, portofolio, target pembiayaan, atau investasi, pendapatan dan laba rugi. | Comparison of production targets and performance, portfolio, financial targets, or investment, revenue and profit or loss.
[6.a] 239
2) Perbandingan target dan kinerja portofolio, target pembiayaan, atau investasi pada instrument keuangan atau proyek yang sejalan dengan penerapan Keuangan Berkelanjutan.
Comparison of portfolio targets and performance, financing targets, or investments in financial instruments or projects in line with the implementation of Sustainable Finance.
[6.a] 239
c. Kinerja Sosial: | Social Performance:
1) Komitmen Perusahaan untuk memberikan layanan atas produk dan/atau jasa yang setara kepada konsumen. | The Company’s commitment to provide services for equivalent products and/or services to consumers.
[6.c.1] 246
2) Ketenagakerjaan: | Employment: 243
a) Pernyataan kesetaraan kesempatan bekerja dan ada atau tidaknya tenaga kerja paksa dan tenaga kerja anak.| Equality of employment opportunities and the presence or absence of forced and child labor.
[6.c.2.a]
b) Persentase remunerasi pegawai tetap di tingkat terendah terhadap upah minimum regional. | The percentage of permanent employee remuneration at the lowest level against the regional minimum wage.
[6.c.2.b]
c) Lingkungan bekerja yang layak dan aman. | A decent and safe working environment. [6.c.2.c]
d) Pelatihan dan pengembangan kemampuan pegawai | Training and capacity building of employees. [6.c.2.d]
3) Masyarakat: | Society:
a) Informasi kegiatan atau wilayah operasional yang menghasilkan dampak positif dan dampak negatif terhadap masyarakat sekitar termasuk literasi dan inklusi keuangan.
Information on operational activities or areas which create positive and negative impacts to the surrounding community, including financial literacy and inclusion.
[6.c.3.a] 245
b) Mekanisme pengaduan masyarakat serta jumlah pengaduan masyarakat yang diterima dan ditindaklanjuti. | Public complaints mechanism and the number of public complaints received and followed-up.
[6.c.3.b] 245
c) Tanggung Jawab Sosial dan Lingkungan yang dapat dikaitkan dengan dukungan pada tujuan pembangunan berkelanjutan meliputi jenis dan capaian kegiatan program pemberdayaan masyarakat.
Environmental and Social Responsibility which can be linked to the support for sustainable development goals, includes the types and achievements of community empowerment program activities.
[6.c.3.c] 245
d. Kinerja Lingkungan Hidup: | Environmental Performance:
1) Biaya lingkungan hidup yang dikeluarkan.| Environmental costs incurred. [6.d.1] 240 2) Uraian mengenai penggunaan material yang ramah lingkungan, misalnya penggunaan jenis material daur
ulang. | Details regarding the use of environmentally friendly materials, for example, the use of recycled materials.
[6.d.2] 240
3) Uraian mengenai penggunaan energi, paling sedikit memuat: | Details regarding energy use, which at least contains:
240
a) Jumlah dan intensitas energi yang digunakan. | The amount and intensity of energy used. [6.d.3.a]
b) Upaya dan pencapaian efisiensi energi yang dilakukan termasuk penggunaan sumber energy terbarukan.| Efforts and achievement of energy efficiency including the use of renewable energy sources.
[6.d.3.b]
e. Kinerja Lingkungan Hidup bagi Perusahaan yang proses bisnisnya berkaitan langsung dengan lingkungan hidup: | Environmental Performance for Companies whose business processes are directly related to the environment:
1) Kinerja sebagaimana dimaksud dalam huruf d. | Performance as referred to in letter d. [6.e.1] 240 2) Informasi kegiatan atau wilayah operasional yang menghasilkan dampak positif dan dampak negatif
terhadap lingkungan hidup sekitar, terutama upaya peningkatan daya dukung ekosistem. | Information on activities or operational areas that create positive and negative impacts to the surrounding environment, especially efforts to increase the carrying capacity of ecosystems.
[6.e.2]
3) Keanekaragaman hayati, paling sedikit memuat: | Biodiversity, containing at least: 241
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