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Page 1
Unity for
Responsibility
PT BANK CENTRAL ASIA TBK
LAPORAN
KEBERLANJUTAN 2024
Page 2
Pernyataan Mengenai Masa Depan PT Bank Central Asia Tbk dan/atau dalam laporan ini disebut “BCA” bergerak di sektor perbankan dalam Laporan Keberlanjutan mengungkapkan capaian kinerja ekonomi, sosial, lingkungan, serta pengelolaan tata kelola keberlanjutan. Laporan Keberlanjutan adalah bagian dari Laporan Tahunan yang disajikan secara terpisah. Laporan ini berisi data dan informasi yang bersifat material bagi para pemangku kepentingan. Secara umum, isi Laporan berasal dari dokumen-dokumen internal dan informasi narasumber yang dapat dipercaya. Para pembaca perlu memahami bahwa Laporan ini menyajikan data dan informasi tentang proyeksi dan kondisi ke depan atau bersifat forward-looking statement. BCA memahami bahwa risiko dan ketidakpastian dari berbagai macam faktor dapat memengaruhi kinerja operasional dan kondisi usaha yang akan datang. Oleh sebab itu, BCA mengingatkan para pembaca bahwa Bank tidak dapat memastikan data dan informasi mengenai proyeksi ke depan yang dinyatakan dalam Laporan ini adalah benar, akurat, dan dapat terpenuhi seluruhnya.
Page 3
2024
Laporan Keberlanjutan
Unity for Responsibility
Aksi yang Bertanggung Jawab untuk
Masa Depan yang Lebih Baik
‘Unity for Responsibility’ menekankan tanggung
jawab BCA dalam menjalankan setiap kegiatan bisnis
yang berdampak positif pada keberlanjutan jangka
panjang. BCA bertanggung jawab tidak hanya pada
aspek finansial tetapi juga sosial dan lingkungan.
Dalam upaya mencapai tujuan-tujuan keberlanjutan,
BCA terus melibatkan semua pihak untuk menjaga dan
meningkatkan kualitas hidup, baik melalui pengelolaan
sumber daya yang bijak maupun kontribusi pada
pembangunan sosial dan ekonomi. Dengan menjaga
tanggung jawab dalam setiap langkahnya, BCA
berusaha untuk memberikan dampak yang positif dan
bertahan lama bagi generasi mendatang.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 1
Page 4
Daftar Isi
Contents
Ikhtisar Perbankan yang
4 Aspek Keberlanjutan 53 Bertanggung Jawab
16 Pesan Direksi 54 Kinerja Ekonomi
24 Ikhtisar Aspek 55 Praktik Keuangan
Keberlanjutan Berkelanjutan
60 Pengelolaan Risiko
dan Peluang ESG serta
Fokus Keberlanjutan
28
Pengaruhnya pada
Kami Kinerja Keuangan
68 Iklim dan Lingkungan
29 Siapa Kami
32 Strategi Keberlanjutan
Pengelolaan Pengalaman
34 Bisnis yang Bertanggung
Jawab
75 Pelanggan
40 Pengelolaan Isu Utama
ESG dan Topik Material 76 Tanggung Jawab Produk
dan Jasa Keuangan
49 Etika dan Integritas Berkelanjutan
77 Digitalisasi dan
Kemudahan Solusi
78 Pelayanan yang Setara
81 Akses dan
Keterjangkauan
83 Integritas dalam
Pelayanan Perbankan
89 Mengenali Nasabah
2 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 5
Pengelolaan Sumber Sekilas tentang
91 Daya Manusia yang 129 Laporan Keberlanjutan
Berkelanjutan
130 Sekilas Laporan
92 Membangun Sumber Keberlanjutan
Daya Manusia Berkualitas 131 Dukungan dan Kontribusi
101 Manajemen pada TPB
Ketenagakerjaan 134 Lembar Persetujuan
107 Hak Asasi Manusia Dewan Komisaris dan
Direksi atas Laporan
Keberlanjutan 2024
PT Bank Central Asia Tbk
111 Berkarya Memberi Nilai
135 Verifikasi Tertulis Pihak
Independen
139 Referensi POJK No. 51/
112 Mewujudkan Nilai melalui POJK.03/2017, Indeks
Bakti BCA Standar GRI, SASB, dan
120 Pemberdayaan Ekonomi SUSBA
Masyarakat 147 Lembar Umpan Balik
124 Konservasi Ekosistem
128 Evaluasi dan Pengukuran
Dampak Program
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 3
Page 6
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Franchise Perbankan Transaksi
yang Kokoh
End-to-end Supply Chain
Kemampuan Digital yang Andal
Jumlah Transaksi
Supplier Principal Large-sized
Distributor
Mid-sized
Distributor
Retailer End Customer
Mobile & Internet
Banking
5,0x
dalam 5 tahun
1 Online Business Banking
Jumlah Pengguna
Mobile Banking
2,8x
2 3
Merchant dalam 5 tahun
Point of
Sales (POS)
& Merchant
2,5x
Online payment embedded Apps
in 3rd party platform Nilai
Two Leading Mobile
Transaksi QRIS
4 Banking Apps 5 E-Wallet YoY
8
1.264
Cabang
7 24/7 Contact Center
6
Cash Deposit
& Withdrawal
Machine
Pertumbuhan Nasabah Kanal Online Mencetak
yang Berkelanjutan Rekor Tertinggi
Giro & Tabungan
Jumlah Nasabah Jumlah Transaksi Nilai Transaksi
(CASA)
Mobile Banking & Internet Banking
33,1 juta Rp 924,0 triliun 31,6 miliar Rp 28.261 triliun
7,6% YoY 81,5% 23,5% YoY 13,8% YoY
terhadap Total Dana
Pihak Ketiga
4 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 7
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Melayani Beragam Nasabah melalui
Multi-Channel Terintegrasi
yang Dilengkapi dengan Berbagai Fitur
Poket Valas
KlikBCA Kantong dana untuk
Layanan Welma in bertransaksi dengan
Merchant BCA pilihan 16 mata uang
Aplikasi untuk perbankan MyBCA
internet untuk Investasi asing
myBCA & BCA Mobile mengakses layanan
Aplikasi mobile banking bagi merchant secara nasabah secara online
individual atau pada reksa Pemrek Online
untuk melayani mudah, mulai dari
on-boarding, serta bisnis dana, obligasi, Kemudahan
kebutuhan transaksi serta informasi pembukaan
nasabah lintas generasi koneksi dengan
jaringan ekstensif mengenai rekening
EDC/QR produk asuransi secara online
via myBCA dan
BCAmobile
QRIS
Metode transaksi QR
secara nasional maupun EDC APOS BCA
cross-border yang Perangkat payment
distandardisasi point berbasis
oleh Bank Indonesia Android
Contactless
Payment menggunakan eBranch BCA
kartu kredit dan kartu Aplikasi pendukung
debit jadi lebih nyaman untuk layanan
dan cepat di EDC BCA perbankan di kantor
cabang
Halo BCA New Branch Model
Aplikasi pendukung Layanan kantor cabang
Halo BCA contact secara tatap muka dan
center yang online 24/7 digital (hybrid branch
banking)
Aplikasi KeyBCA BI-Fast
Token KeyBCA Kanal transfer real
digital yang time, 24/7, yang
memungkinkan distandardisasi oleh
nasabah untuk Bank Indonesia
melakukan otorisasi
transaksi melalui
smartphone
Flazz
Kartu transaksi multifungsi
dengan teknologi chip
ATM Setor Tarik RFID (Radio Frequency
Mesin ATM yang Indentification) untuk
menawarkan penarikan proses pembayaran
dan penempatan secara non tunai
dana tunai
Paylater BCA
Fasilitas kredit yang dapat
digunakan sebagai alternatif
OneKlik pembayaran melalui scan
Fasilitas pembayaran QRIS di aplikasi myBCA
online pada aplikasi
co-partner
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 5
Page 8
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pencapaian dan Ikhtisar
Keberlanjutan
Kinerja Ekonomi
PERTUMBUHAN KINERJA KEBERLANJUTAN YANG SOLID BERDAMPAK PADA NILAI PERUSAHAAN
9 Sektor KUBL yang Dibiayai
CAGR: 12,7% YoY:
229 12,5%
(Dalam triliun rupiah) 203
Pencegahan
184 99
dan
13,5% pengendalian
polusi
87
Kredit Hijau
82 Efisiensi
Energi
Produk Ramah
Lingkungan
Kegiatan
Usaha yang
130 11,9% Berwawasan
UMKM 102 116 Energi
Lingkungan
Lainnya
Terbarukan
Transportasi
Ramah
Lingkungan
Bangunan
2022 2023 2024 Berwawasan
Lingkungan
Pengelolaan
Sumber Data Alam
% terhadap dan Lahan yang
total 25,5% 24,9% 24,8% Berkelanjutan
Pengelolaan Air dan
portofolio Air Limbah yang
Berkelanjutan
PEMBIAYAAN & INVESTASI HIJAU
Pembiayaan Energi Baru Terbarukan Pembiayaan Sustainability Linked Loan (SLL)
Total Kapasitas Outstanding
216 MW Rp 1.003 miliar
Outstanding Rp3 triliun 3x YoY
Mengambil bagian dalam pengembangan Pembiayaan Kelapa Sawit Berkelanjutan
ekosistem kendaraan listrik Indonesia
Sertifikasi pembiayaan kelapa sawit 2020 2024
Outstanding
Tersertifikasi ISPO dan RSPO 8 16
Rp 2.348 miliar
Tersertifikasi RSPO
Tersertifikasi ISPO
# debitur korporasi sektor kelapa sawit 48
12
28
20
32
68
bersertifikat
Pembelian obligasi hijau menuju
% debitur sektor kelapa sawit yang 36% 76%
penerapan Keuangan Berkelanjutan
terverifikasi
Obligasi Sukuk Hijau % outstanding kredit sektor kelapa sawit 45% 69%
yang terverifikasi
Rp 1.635 miliar
6 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
DUKUNGAN SOSIAL & KEBERLANJUTAN PADA UMKM
Bangga Lokal
total 1.427 Total >1.500
merchant dengan UMKM yang
total penjualan bergabung
2024
Rp548 miliar
Pembiayaan Kredit Usaha Rakyat (KUR)
Rp 784 miliar 30,9% YoY
MENDUKUNG PEMBERDAYAAN PEREMPUAN
Debitur UMKM Perempuan Outstanding
47ribu Rp 17,2 triliun
7,6% YoY 16,4% YoY
PEMBINAAN PELAKU USAHA UMKM BAKTI BCA
Total Peserta Penyerapan Tenaga Kerja Bantuan Sertifikat
Pembinaan UMKM UMKM Desa Binaan Bakti BCA Halal untuk UMKM
> 2.500 UMKM 268 Warga Lokal 1.986 UMKM
Peserta Pelatihan Peserta Pelatihan
Nilai Ekspor
Sertifikat Halal Ekspor
> 2.400 UMKM 58 UMKM Rp37 miliar
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 7
Page 10
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Kinerja Lingkungan
Total Emisi Operasional Total Emisi Pembiayaan
349.741 Ton CO2eq 28,9 juta Ton CO2eq
EMISI OPERASIONAL
Emisi operasional BCA 2024 Intensitas Emisi Cakupan 1 & 2
(tCO2eq/miliar Rupiah pendapatan
Emisi GRK (tCO2eq) 2024 operasional)
Cakupan 1
1,61
Pembakaran stasioner 778,7 1,43
1,33
Pembakaran mobile 10,8
Emisi fugitive 3.861,1
TOTAL 4.650,6
Cakupan 2
Listrik yang dibeli 139.855,6
Cakupan 3
Kategori 1. Barang dan jasa yang dibeli 79.367,6 2022 2023 2024
Kategori 2. Barang modal 56.881,3
Kategori 3. Aktivitas terkait bahan bakar dan energi (tidak
20.853,9
tercakup dalam cakupan 1 & 2)
Kategori 5. Limbah yang dihasilkan dalam operasi 2.325,3
Kategori 6. Perjalanan bisnis 10.704,9 Cakupan penghitungan emisi
Kategori 8. Aset disewa di hulu 34.306,1 operasional
100 %
Kategori 12. Penanganan pada akhir masa pakai produk
795,5
terjual
TOTAL 205.234,6
Total Emisi (GRK Cakupan 1 + 2 + 3) 349.740,8 Emisi operasional dari
Keterangan: cakupan 1, 2, dan 3 secara
Penghitungan dilakukan dengan mengekstrapolasi data bulan Januari-Oktober nasional telah dihitung
2024 untuk 100% Kantor Pusat, Data Center, dan Kantor Cabang.
EMISI PEMBIAYAAN
Emisi pembiayaan BCA 2023
Pertambangan & Penggalian Industri Pengolahan
1,7 juta tCO2eq 23,3 juta tCO2eq
TOTAL
Pengadaan Listrik, Gas, Uap/ Pertanian, Kehutanan, &
Air Panas dan Udara Dingin Perikanan
0,4 juta tCO2eq 28,9 2,1 juta tCO2eq
juta tCO2eq
Konstruksi Pengangkutan & Pergudangan
0,6 juta tCO2eq 0,8 juta tCO2eq
Keterangan:
Penghitungan dilakukan atas lebih dari 50% portofolio kredit produktif BCA pada tahun 2023.
8 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
UPAYA MENUJU OPERASI RAMAH LINGKUNGAN
Potensi Pengurangan Emisi Karbon
Ton CO2eq
Meningkat 2x lipat
dalam 2 tahun
4.216
IDXCarbon
Indonesia Carbon Exchange
3.021
1.996
71.500 Ton CO2eq
Berpartisipasi dalam
2022 2023 2024 perdagangan IDX Carbon
Produk dan Solusi Pengelolaan Limbah &
Perbankan Digital Inisiatif Daur Ulang
2.272 957
Ton CO2eq
4.216 Ton CO2eq
Ton CO2eq
Total potensi
pengurangan Konservasi
Gedung Ramah karbon Keanekaragaman
Lingkungan Hayati
879 Ton CO2eq
108Ton CO2eq
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 9
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
PRODUK & SOLUSI DIGITAL
Mengembangkan fitur digital untuk meningkatkan transaksi digital
SOLUSI PERBANKAN DIGITAL DIGITAL WORKPLACE
Volume Transaksi (miliar) 36
30
24
18 Administrasi Mekanisme
Digital Internal Persetujuan Digital
Work From Hub Kegiatan Internal
2021 2022 2023 2024 Daring
99,8%
dari total transaksi
dilakukan secara digital
35,9 miliar Less Paper Less Mobilisation Less Emission
Total Transaksi Digital
GEDUNG RAMAH LINGKUNGAN
2024 2024
WISMA BCA FORESTA WISMA BCA BSB
Menjadi gedung pertama di Indonesia yang
memperoleh Sertifikat Green Mark Super Low
Mendapatkan Sertifikat Green
Building Level Platinum 27 2
Energy Building Gedung Gedung
oleh Building and Construction Authority Singapore
Terpasang Hijau
oleh Green Building Council Indonesia
Panel Surya Bersertifikasi
Meminimalkan
intensitas energi
2024 2023
Jumlah transaksi (kWh/transaksi)
0,005 0,006 15%
Luas gedung (kWh/m2/tahun)
2021 2022 2023
Sertifikat Pemenang Gedung Winner: Energy 139 154 10%
Platinum dengan Efiensi Efficient
Green Building Energi Terbaik Building Diklasifikasi sebagai “Efisien” berdasarkan
Council Subroto Award dari ASEAN Energy SNI 03-6196-200
Indonesia Kementerian ESDM Award
10 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
PENGELOLAAN LIMBAH & INISIATIF DAUR ULANG
593 Ton
Total limbah dikelola
Rp 489,6
Hasil pengelolaan limbah
juta
disalurkan ke Yayasan Bakti BCA
410 60 Ton Ton
37 Ton
25 Ton
23 Ton
38 Ton
Arsip Cartridge EDC & Limbah Plastik Limbah
ATM Key BCA Anorganik Bungkus Lainnya
Uang
696 Kg
Limbah elektronik BCA
di daur ulang menjadi
sebuah karya seni di BCA
Sustainability Corner
KONSERVASI KEANEKARAGAMAN HAYATI
51.500
Pohon ditanam
463 108 Ton CO2eq
Estimasi penyerapan emisi
CO2 2021-2024
Pelibatan
pihak lokal dengan 92% survival rate
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 11
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Kinerja Sosial
MENGUTAMAKAN KESETARAAN & KESEJAHTERAAN
26.532 Total Pekerja BCA
61,1% 61,4% 61,3%
Pekerja Manajer Pekerja Baru
Perempuan Perempuan Perempuan
4,67/ 5,0 3,4% 1,0%
Skor Team Turnover Rate Absentee Rate
Engagement (skala 5)
MENINGKATKAN KEUNGGULAN LAYANAN
>1,2 juta 97,4%
Total pengaduan Pengaduan
pelanggan yang terselesaikan
diterima
88,1%
Tingkat penyelesaian
pengaduan whistleblowing
4,77 / 5,0 Persentil 91 4,88 / 5,0
Indeks Customer Global Customer Indeks Branch Service
Engagement (CE) Engagement Quality (BSQ)
12 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 15
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
untuk Indonesia
Sebaran Program 2024
Rp169,8 Miliar dana Tanggung Jawab Sosial dan Lingkungan disalurkan
Bakti Lingkungan Bakti Pendidikan
51.500 pohon yang ditanam 700 penerima Beasiswa Bakti BCA
kompos hasil pelatihan
3 ton pengelolaan sampah >230.000 peserta edukasi literasi keuangan
>15.000 tukik dilepaskan
10 sahabat disabilitas mendapatkan
pelatihan MUA dan sertifikat BNSP
5 orang utan direhabilitasi
32 Sekolah Binaan Bakti BCA
5 orang utan dilepasliarkan
Survei awal konservasi macan tutul Jawa
Bakti Budaya Bakti Kesehatan
penampil pagelaran budaya komitmen donasi program Partnership
120 mayoritas pelajar to Accelerate Stunting Reduction in
US$1 juta Indonesia (PASTI) 2023-2026
1.114 penonton pagelaran budaya
peserta pembinaan wastra
1.010 pasien operasi katarak
65 warna alam kantong darah dalam program
pendapatan penenun binaan wastra
2.211 donor darah
>Rp305 juta warna alam masyarakat mendapatkan subsidi
13.620 layanan kesehatan di Klinik Bakti BCA
Desa Bakti BCA
30 Desa Bakti BCA 76 jenis pembinaan Desa Wisata
UMKM penerima bantuan sertifikat
291.452 wisatawan Desa Binaan Bakti BCA 1.986 halal
Rp13,3 miliar pendapatan Desa Binaan Bakti BCA 58 UMKM peserta UMKM Go Export
penyerapan tenaga kerja di desa nilai ekspor UMKM binaan
1.213 orang binaan Bakti BCA Rp37 miliar Bakti BCA
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 13
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Aspek Tata Kelola
Penghargaan dan Apresiasi Praktik Keberlanjutan
GOOD CORPORATE GOVERNANCE
ASEAN Corporate
Governance
Scorecard Rating
106,6
101,9 Juara Umum
BCA 85,2
77,0
Annual Report Best Overall
Rata-rata 67,0
70,0
Award 2023 IICD Award 2024
Tema: Internalizing Integrated Indonesian Institute for Corporate
2017 2019 2021 Mindset Toward Sustainable Directorship (IICD) Corporate
Long Term Value Creation Governance Conference and Award
RATING ESG OLEH LEMBAGA INDEPENDEN
MSCI Thomson Dow Jones
Indonesia Index Reuters - Refinitiv Sustainability Index
Top 10 Constituents Skor ESG S&P Global CSA
Rating A Skor 50
Skor 86/100 Persentil 80
FTSE4Good FIHRRST
ASEAN 5 Index Best Sustainability
Top 10 Constituents Report
Rating A+
BCA masuk daftar konstituen:
• IDX ESG Leaders Index
• SRI - KEHATI Index
• ESG Quality 45 IDX - KEHATI
• ESG Sector Leaders IDX - KEHATI
SERTIFIKASI IT & KEAMANAN DATA
ISO 20000-1:2018 ISO 27001:2013
ISO 27001:2013 untuk IT service management
untuk Enterprise Security untuk data center
& data center
network & operation
PCI DSS 3.2.1 Certification ISO 9001-2015
untuk BCA data center untuk data center operations
(global data security) & quality management system
14 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Apresiasi atas
Pencapaian Kinerja BCA
Global Excellence in Retail Finance World’s Strongest Banking The 15th IICD Corporate Governance Satu Rekening Satu Pelajar (KEJAR)
Awards 2024 Brand 2024 Conference and Award Award
Most Recommended Retail Bank in Asia Top 50 Big Capitalization Public Implementasi terbaik kelompok
Pacific, Best Retail Bank in Indonesia, Most Listed Company, Best Overall Big Bank Umum Konvensional
Recommended Retail Bank in Indonesia Cap
Bank Indonesia Award 2024
Bank Konvensional Pendukung
Pengendalian Moneter Rupiah Terbaik, 14th Asian Excellence Award 2024
Bank Pendukung Keuangan Hijau Terbaik Asia’s Best CSR (Bakti BCA)
Forbes World’s Best Bank 2024 Annual Report Award (ARA) 2023
#1 World’s Best Bank in Indonesia (KBMI III dan KBMI IV), Bank dengan Juara Umum
Kepatuhan Pelaporan Keuangan Terbaik
2024 Asia Executive Team
#1 Best ESG (Sell – side dan
Gallup Global Customer Engagement 2023 FinanceAsia Asia’s Best Companies
FinanceAsia: FinanceAsia Asia’s Best Combined) in Asia ex-Mainland
Customer Engagement (CE) Recognition - 2024
Companies 2024 China dan #2 Best ESG (Sell – side)
CE Score di atas Most Committed to ESG (Silver)
in Core Asia
rata-rata global
Kantar BrandZ: Top 30 Most Valuable Building and Construction Authority
Newsweek: World’s Most Trustworthy Southeast Asian Brands 2024 Singapura: Green Mark Super Low
Companies 2024 #1 The Most Valuable Southeast Asian Energy Building
No. 1 World’s Most Trustworthy Companies Brand in Indonesia, Most Meaningfully Wisma Foresta BSD - Certificate
2024 in Banking Sector Different Brand in Indonesia Green Mark Super Low Energy
Building (Pertama di Indonesia)
ESG, CSR,
Korporasi
GCG, & IVR
Produk dan
Pekerja
Layanan
Kementerian Keuangan Republik Top Ranking Performance Award - 2024 Stevie Awards for Great
Indonesia: Asia Pacific Region HR Asia: HR Asia Award 2024 Employers:
Dealer Utama dan Mitra Distribusi 8 Certified World Class (Best Contact Best Company to Work for in Asia, Best Leadership Development
Surat Berharga Negara Terbaik Center, Best Contact Center Design, Most Caring Companies Program
Dealer Utama SUN Terbaik I Tahun Best CX Branch/Retail Service, Best
2024, Dealer Utama SUN Terbaik Tahun Employee Engagement, Best Employee Asia Pacific Stevie Awards 2024
2024 di Pasar Sekunder, Dealer Utama Wellness Program, Best Help Desk, Gold Winner - Award for Innovation
SBSN Terbaik I Tahun 2024, Dealer Best Improvement Award, Best in Internal Corporate Events (BIA)
Utama SBSN Terbaik Pasar Perdana Customer Service)
Tahun 2024, Dealer Utama SBSN Brandon Hall Group Excellence Awards
Terbaik Tahun 2024 untuk Pelaksanaan - HCM Program 2024
Kuotasi, Mitra Distribusi SUN terbaik Best Benefits, Wellness and Well-Being
Marketeers Youth Choice Award
Tahun 2024 Program (Bronze) - BCA’s Ring the Bell
2024
2024 Stevie International Business & Beautiful Life Programs, Best Results
Kategori Dream Workplace (Silver)
Awards of a Learning Program (Bronze) - BCA’s
Marketing Campaign of the Year - Digital Factory Program (DFP)
Financial Products & Services (Gold) -
Alpha Southeast Asia: 17th Annual #SuddenlyPeaceful - BCA’s Ramadan
Private Wealth Awards 2024 Campaign, Brand & Experiences
Best Wealth Management Bank in - Exhibition Experience (Gold) (BCA’s
Indonesia UMKM Fest - Festival for MSMEs)
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 15
Page 18
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pesan Direksi
Jahja Setiaatmadja
Presiden Direktur
16 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 19
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
BCA berkomitmen pada pertumbuhan berkelanjutan dan penciptaan nilai jangka
panjang melalui kolaborasi bersama pemangku kepentingan dalam mewujudkan
Tujuan Pembangunan Berkelanjutan (TPB). BCA terus melangkah menuju
perbankan berkelanjutan dengan mengintegrasikan prinsip keberlanjutan dalam
pembiayaan dan berupaya untuk mengelola jejak karbon kami melalui upaya
operasi ramah lingkungan yang berfokus pada inisiatif digitalisasi, pengelolaan
limbah, penerapan gedung ramah lingkungan, dan konservasi keanekaragaman
hayati.
Dengan semangat “Unity for Responsibility,” BCA bertekad menciptakan
masa depan yang lebih baik dan memberikan manfaat bagi negeri, menjadikan
tahun 2024 sebagai momentum untuk memperkuat kontribusi positif kepada
masyarakat dan lingkungan.
Pemangku kepentingan yang kami hormati,
Keberlanjutan telah menjadi bagian yang tidak Dengan dukungan penuh dari Direksi dan Dewan
terpisahkan dari kegiatan kami bersama seluruh Komisaris, BCA terus berinovasi untuk menghadapi
pemangku kepentingan. Kami terus memperkuat tata tantangan global dan menciptakan peluang di era
kelola keberlanjutan dengan menjalankan praktik transisi menuju ekonomi rendah karbon.
prudent and responsible banking untuk merespons
setiap perubahan menuju keberlanjutan. Kami Strategi Mengatasi Tantangan
percaya bahwa dengan tata kelola yang kuat, maka Keseimbangan antara keberlanjutan dan kebutuhan
BCA akan mencapai target kinerja keberlanjutan pembangunan sangat diperlukan untuk mencapai
dengan optimal. Di 2024, BCA mempertahankan pertumbuhan ekonomi yang inklusif dan ramah
peringkat A untuk MSCI ESG Rating, peringkat ke-1 lingkungan. Kami terus meningkatkan pembiayaan
untuk perbankan Indonesia pada Thomson Reuters pada sektor hijau, seperti energi terbarukan dan
– Refinitiv ESG Rating, dan skor 50 atau persentil kendaraan listrik, meskipun skala proyek ini masih
80 dalam Corporate Sustainability Assessment - relatif terbatas dan memerlukan dukungan kebijakan
DJSI. Perolehan peringkat lainnya juga menunjukkan yang kuat dari Pemerintah.
rentang kinerja yang baik, sehingga menjadi
dorongan kami untuk tetap mempertahankan, Dalam menerapkan Keuangan Berkelanjutan,
bahkan meningkatkan tata kelola, baik untuk kinerja BCA memprioritaskan tata kelola yang baik,
lingkungan maupun sosial. pengembangan skenario risiko iklim, serta
memperkuat keamanan siber. Selain itu, kami
Di balik semua capaian, BCA memahami tantangan mengedepankan literasi keuangan sebagai bagian
yang dihadapi dunia bisnis akibat kondisi ekonomi dari solusi terhadap tantangan teknologi. Dengan
yang fluktuatif dengan ketidakpastian yang cukup kemajuan artificial intelligence (AI) dan digitalisasi,
tinggi. Meskipun demikian, BCA tetap fokus pada literasi keuangan yang baik menjadi kunci untuk
penguatan kinerja keberlanjutan dengan pendekatan memberdayakan nasabah dan masyarakat, sekaligus
yang seimbang antara pertumbuhan ekonomi, melindungi mereka dari penyalahgunaan teknologi.
tanggung jawab sosial, dan perlindungan lingkungan.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 17
Page 20
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Selama 2024, kami juga menghadapi tantangan Kinerja Ekonomi
dalam memastikan kesiapan sumber daya manusia Dalam mendukung bisnis berkelanjutan, BCA
(SDM) untuk menghadapi transformasi digital, mengadopsi model bisnis bank hybrid yang
kompleksitas bisnis, serta transisi energi. Untuk mengintegrasikan aspek LST. Model ini memperkuat
itu, BCA mengadakan kampanye Cybersecurity eksistensi BCA, baik secara fisik maupun virtual,
Awareness Month dan meningkatkan program sehingga memudahkan akses keuangan yang lebih
pelatihan di berbagai topik, khususnya topik-topik inklusif, terjangkau, dan merata hingga ke berbagai
keberlanjutan, di antaranya terkait Taksonomi wilayah.
untuk Keuangan Berkelanjutan Indonesia (TKBI)
dan perhitungan emisi gas rumah kaca (GRK). Kami Sepanjang 2024, jumlah nasabah meningkat sebesar
merekrut 1.969 pekerja baru untuk memperkuat 7,6% YoY menjadi 33,1 juta, sementara jumlah rekening
tim dalam menghadapi tantangan masa depan, bertambah 8,0% YoY menjadi 41,3 juta rekening.
memastikan BCA memiliki SDM yang siap beradaptasi Pertumbuhan ini didukung oleh pembukaan 4,7 juta
dan inovatif di tengah perubahan lingkungan bisnis. rekening secara online. Inovasi ini mencerminkan
Strategi ini menjadi landasan kami dalam menjawab keberhasilan BCA dalam menyediakan layanan
kebutuhan pengembangan SDM yang selaras dengan perbankan yang modern dan inklusif. Digitalisasi di
visi keberlanjutan dan pertumbuhan jangka panjang. BCA telah mempercepat transaksi online, dengan
kontribusi cabang sekitar 0,2% dan transaksi digital
Capaian Kinerja Keberlanjutan dan mencapai 99,8%. Total frekuensi transaksi digital
Penerapan Keuangan Berkelanjutan mencapai 35.930 juta, naik 20,6% YoY. Selain
BCA terus memperkuat kerangka kerja LST melalui meningkatkan akses keuangan, digitalisasi juga
penyempurnaan sistem, kebijakan, proses, prosedur, mengurangi jejak karbon dari penggunaan kertas dan
dan manajemen risiko. Sebagai realisasi, BCA telah bahan bakar transportasi nasabah.
mengembangkan dan menerapkan langkah-langkah
penting terkait LST dalam kegiatan pembiayaannya, BCA terus memimpin dalam transformasi digital
termasuk kebijakan kredit sektoral untuk industri- dengan berbagai inovasi yang memberikan
industri berisiko tinggi, seperti perkebunan dan pengalaman yang lebih baik dan akses lebih luas ke
industri kelapa sawit, pertambangan batu bara, layanan digital. Salah satu kemajuan utama adalah
pembangunan jalan tol, industri semen dan baja dasar, aplikasi myBCA yang telah berkembang menjadi
serta industri kayu dan hasil hutan. Kami memiliki sarana yang komprehensif. BCA juga meluncurkan
daftar pengecualian yang merujuk pada kegiatan, aplikasi Merchant BCA yang dirancang untuk
seperti pembalakan liar, perjudian, dan pelanggaran mendukung Usaha Mikro, Kecil, dan Menengah
hak-hak masyarakat. Pengajuan kredit dianalisis (UMKM). Aplikasi ini membantu pemilik usaha untuk
dengan mempertimbangkan upaya perlindungan mempermudah pengelolaan transaksi keuangan
dan konservasi lingkungan hidup yang dilakukan dan mendapatkan dukungan 24/7 melalui Merchant
debitur. Penilaian risiko LST kini sudah terintegrasi Care. Layanan digital semakin diperkuat dengan
dalam pembiayaan sektor-sektor tersebut. keberadaan Halo BCA, contact center yang solid
dengan berbagai titik kontak dan aplikasi haloBCA,
BCA juga berpartisipasi aktif dalam menjalankan yang menyediakan layanan praktis untuk terhubung
peta jalan Keuangan Berkelanjutan regulator, dengan BCA. Sebanyak 4.600 pekerja melayani di
seperti melakukan pemetaan debitur berdasarkan Halo BCA yang tersebar di 6 lokasi untuk menangani
TKBI yang merupakan pembaruan dari Taksonomi ± 107 ribu telepon masuk/hari. Selain itu, BCA juga
Hijau Indonesia (THI), melakukan Climate Risk Stress memperkuat VIRA Virtual Assistant yang terintegrasi
Test (CRST), serta melaksanakan Climate Risk dengan aplikasi chatting seperti Facebook
Management & Scenario Analysis (CRMS) sesuai Messenger dan LINE, sehingga dapat membantu
dengan arahan regulator di tahun 2024. nasabah secara real-time.
18 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Transformasi digital telah berkontribusi signifikan Pembiayaan sektor sumber daya alam hayati dan
pada peningkatan kinerja operasional dan ekonomi. lahan berkelanjutan sebagian besar didistribusikan
BCA mencatatkan kinerja keuangan dan operasional ke sektor pada kelapa sawit yang mencapai
yang solid di 2024. Pendapatan bunga dan syariah Rp69,6 triliun. Terdapat 68 debitur kelapa sawit
tercatat Rp94,8 triliun, tumbuh 8,7% YoY. Sementara yang tersertifikasi ISPO dan/atau RSPO, meningkat
itu, laba bersih tumbuh 12,7% YoY menjadi Rp54,8 7,9% dibandingkan tahun sebelumnya, yang
triliun, didorong oleh peningkatan volume kredit, mencakup 76% dari total debitur di sektor ini.
kualitas pinjaman yang membaik, serta kenaikan Adapun pembiayaan kendaraan listrik meningkat
transaksi dan dana pihak ketiga. Pembiayaan naik sebesar 84% YoY, mencapai Rp2.348 miliar, yang
13,8% YoY, dengan rasio Non-Performing Loan (NPL) mencerminkan perhatian masyarakat dalam
terjaga di angka 1,8%. menggunakan transportasi ramah lingkungan.
Sementara itu, penyaluran kredit ke usaha bangunan
Dana pihak ketiga meningkat 2,9% YoY mencapai berwawasan lingkungan mencapai Rp5.694 miliar,
Rp1.133,6 triliun, dengan CASA berkontribusi sekitar meningkat signifikan dibanding tahun 2023.
81,5% dari total dana pihak ketiga. Volume transaksi
juga tumbuh signifikan, mencapai 36.016 juta Untuk mendukung pertumbuhan UMKM, BCA
transaksi, naik 20,5% YoY. meningkatkan porsi pembiayaan mencapai Rp129,8
triliun, tumbuh 12% YoY. Kami juga rutin mengadakan
Portofolio Keberlanjutan berbagai program, seperti Bangga Lokal, UMKM
BCA menyadari bahwa keberlanjutan harus Fest, program suku bunga khusus UMKM perempuan.
diupayakan secara optimal. Langkah ini tecermin BCA terus mendorong kesetaraan gender dengan
dalam peningkatan pembiayaan kegiatan usaha meningkatkan akses perempuan terhadap
berkelanjutan, terdiri dari dua kategori utama, pembiayaan. Di 2024, pembiayaan untuk UMKM
yaitu pembiayaan hijau dan UMKM. Pada tahun perempuan mencapai Rp17,2 triliun, tumbuh 16,4%
2024, capaian pembiayaan berkelanjutan tumbuh YoY dengan jumlah debitur sebanyak 47.856.
melampaui target yang ditetapkan sebesar 8%
YoY, dengan pertumbuhan sebesar 12,5% YoY yang Selain itu, kami mulai menghitung emisi GRK yang
mencapai Rp229 triliun dan berkontribusi 24,8% berasal dari aktivitas pembiayaan di 2024 serta
terhadap total portfolio pembiayaan. Komposisi menerapkan Climate Risk Management and Scenario
portofolio Keuangan Berkelanjutan terbagi menjadi Analysis (CRMS) untuk mendukung aksi iklim dan
43,2% untuk pembiayaan hijau dan 56,8% untuk target Pemerintah menuju Net Zero Emissions
UMKM. (NZE) 2060. BCA menjadi salah satu dari tujuh bank
yang menandatangani komitmen dukungan NZE
Portofolio pembiayaan hijau tumbuh 13,5% YoY Indonesia, bersama Otoritas Jasa Keuangan (OJK).
mencapai Rp99 triliun, yang meliputi pembiayaan Menindaklanjuti analisis bottom-up Climate Risk
Kegiatan Usaha Berwawasan Lingkungan (KUBL), Stress Testing (CRST) yang pertama kali dilakukan
Sustainability-Linked Loan (SLL), dan investasi pada tahun lalu, kami terus memperdalam analisis eksposur
obligasi hijau. Tiga kategori usaha ramah lingkungan risiko portofolio terhadap isu iklim. Pada tahun 2024,
terbesar pada pembiayaan ini yakni sekitar 70% kami menyelesaikan penilaian dan mitigasi risiko
disalurkan untuk sektor yang mengelola sumber iklim dengan melaporkan hasil CRST untuk 50% dari
daya alam hayati dan lahan berkelanjutan, diikuti portofolio, sesuai dengan pedoman OJK. Hasil CRST
oleh transportasi ramah lingkungan dan bangunan menunjukkan bahwa risiko kredit NPL pada <5% dan
berwawasan lingkungan. CAR tetap memadai pada >20%.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 19
Page 22
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Kinerja Lingkungan daur ulang untuk membantu pendidikan anak-anak
Dalam kegiatan operasional, BCA menjalankan pekerja BCA melalui Yayasan Bakti BCA. Selain itu,
berbagai inisiatif operasi perbankan ramah secara kreatif, BCA mengubah sebagian sampah
lingkungan yang fokus pada empat kegiatan utama: operasionalnya menjadi instalasi seni yang dipajang
digitalisasi produk & solusi perbankan, pengelolaan di Galeri BCA untuk meningkatkan kesadaran dan
limbah & daur ulang, penerapan green building gaya hidup pengelolaan sampah di kalangan pekerja.
& energy efficiency, serta kegiatan pelestarian
lingkungan dan keanekaragaman hayati. Melalui Sebagai bagian dari komitmen konservasi dan
berbagai inisiatif tersebut, pada tahun 2024, BCA mitigasi perubahan iklim, BCA melalui Bakti BCA
berpotensi mengurangi emisi karbon sebesar pilar Bakti Lingkungan secara konsisten mendukung
4.216 tCO2eq, meningkat 39,6% dibandingkan pemerintah dalam melakukan pelestarian alam dan
pengurangan emisi pada tahun 2023 sebesar 3.021 keanekaragaman hayati. Pada tahun 2024, BCA
tCO2eq. merehabilitasi 5 orang utan dan melepasliarkan
5 orang utan lainnya. Bekerja sama dengan
Kontribusi terbesar terhadap pengurangan emisi Kementerian Kehutanan, BCA turut mendukung
berasal dari digitalisasi operasional, dengan sebanyak pendataan populasi macan tutul jawa melalui
99,8% transaksi telah beralih ke kanal digital pada pemasangan kamera pengintai, analisis genetik,
tahun 2024. Dengan mengurangi konsumsi kertas dan penyadartahuan. Untuk memperkuat ekosistem
dan mobilitas fisik, adopsi digital terus menurunkan pesisir, pada tahun 2024 BCA melakukan penanaman
emisi karbon di seluruh interaksi nasabah dan proses 1.000 bibit mangrove, membangun ruang penetasan
internal. Digitalisasi juga menciptakan pengalaman inovatif untuk tukik dengan kapasitas 15.000 butir
pelanggan yang lebih baik, sekaligus menjadi bagian telur, serta melepas 15.003 tukik. Selain itu, puluhan
dari transformasi keberlanjutan. ribu pohon ditanam untuk memulihkan lahan kritis
yang diproyeksikan menyerap 107,5 tCO2eq pada
Kami terus fokus pada peningkatan efisiensi energi 2024, memberikan manfaat ekologis dan sosial yang
di gedung-gedung BCA. Kami bangga bahwa pada berkelanjutan.
tahun 2024, gedung Wisma BCA Foresta menjadi
gedung pertama di Indonesia yang memperoleh Kinerja Sosial
sertifikat Green Mark Super Low Energy Building dari BCA mengutamakan aspek sosial dalam pengelolaan
Building and Construction Authority of Singapore. ketenagakerjaan, privasi nasabah, dan kontribusi
Selain itu, Gedung BSB Semarang juga telah untuk masyarakat. Pada 2024, sebanyak 61,4%
mendapatkan sertifikasi bangunan hijau tingkat manajer adalah perempuan. Dengan tingkat turnover
Platinum dari Green Building Council Indonesia. yang rendah (3,4%), kami berhasil mempertahankan
Sementara untuk mendukung ekosistem kendaraan retensi pekerja. Perusahaan juga menghormati hak
listrik, BCA telah menyediakan dua stasiun pengisian asasi manusia (HAM) dan mendukung keseimbangan
kendaraan listrik umum untuk mempermudah akses kerja dengan menyediakan sistem pengaduan
pengisian energi listrik. masalah ketenagakerjaan.
BCA mengelola limbah operasional seperti arsip Peningkatan kompetensi SDM dilakukan secara rutin
yang telah habis masa retensinya, peralatan melalui pelatihan upskilling dan reskilling. Rerata jam
elektronik, plastik, limbah organik, dan anorganik pelatihan pekerja di tahun 2024 adalah 1.156.101 jam.
hingga menghasilkan 593 ton limbah yang dikelola Sebanyak 100% pekerja telah mengikuti berbagai
oleh pihak ketiga. Inisiatif ini berpotensi mengurangi modul pelatihan dari internal maupun eksternal. Kami
emisi gas rumah kaca (GRK) sebesar 957 tCO2eq terus mempromosikan kesetaraan gender dengan
dan mendukung ekonomi sirkular. Selain dampak memberikan kesempatan yang sama bagi semua
lingkungan, kegiatan ini juga membuka peluang pekerja untuk meningkatkan kompetensi tanpa
kerja bagi pekerja informal dan mendonasikan hasil memperhatikan latar belakang.
20 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
BCA merupakan salah satu Bank yang melakukan BCA melalui Bakti Pendidikan menyelenggarakan
penilaian HAM sesuai dengan indikator Penilaian Program Pendidikan Bisnis & Perbankan (PPBP) dan
Risiko Bisnis dan HAM (PRISMA) yang diawasi oleh Teknik Informatika (PPTI), dengan 264 siswa PPBP
Kementerian Hukum dan Hak Asasi Manusia Republik dan 308 siswa PPTI pada 2024, serta 99% lulusan
Indonesia. Aksi ini merupakan komitmen kami dalam bergabung dengan BCA. Komitmen BCA terhadap
menjalankan bisnis yang mengedepankan prinsip- pendidikan juga tecermin melalui Beasiswa Bakti
prinsip HAM di setiap aspek operasionalnya. BCA untuk 700 Bakti Champions dengan kategori
bantuan finansial, prestasi akademik, dan prestasi
Pengelolaan aspek sosial juga mencakup penanganan minat bakat. BCA juga menyelenggarakan kuliah
isu-isu pelanggan. Berdasarkan survei independen umum oleh Direktur BCA dalam program BCA
dari Gallup, kualitas layanan BCA mendapatkan Berbagi Ilmu, dan sekolah binaan Bakti BCA. Selain
nilai 4,77 untuk Customer Engagement dan 4,88 itu, BCA mendukung pengembangan SDM melalui
untuk Branch Service Quality. Dalam hal keamanan program Magang Bakti BCA, SYNRGY untuk talenta
data, BCA mencatat tidak ada kebocoran maupun digital, dan vokasi BCA Cash Management Academy.
pelanggaran data. Bank terus memperkuat sistem BCA juga memberikan pelatihan merias wajah untuk
manajemen keamanan informasi dan privasi serta 10 Sahabat Disabilitas (Teman Tuli) yang tersertifikasi
risiko siber untuk menjaga kepercayaan nasabah. Badan Nasional Sertifikasi Profesi (BNSP), serta terus
BCA juga menerapkan standar mutu internasional menjalankan program literasi dan inklusi keuangan
seperti ISO 27001:2013 dan ISO 9001:2015. Selain yang mendorong pertumbuhan ekonomi, terutama
itu, BCA secara aktif melakukan edukasi pekerja dan di wilayah 3T (Terdepan, Tertinggal, dan Terluar) dan
nasabah tentang pentingnya kewaspadaan ancaman dengan penyediaan infrastruktur ramah disabilitas.
kejahatan siber melalui akun resmi sosial media.
Sepanjang 2024 Bakti Kesehatan BCA memulihkan
Bakti BCA penglihatan dan kualitas hidup 1.010 penerima
Bakti BCA selalu berkomitmen memberikan dampak manfaat melalui operasi katarak di 5 provinsi. BCA
positif melalui program-program yang mendukung membagikan 699 kacamata baca dan memberikan
nilai Creating Shared Value di berbagai bidang. Tahun edukasi kesehatan mata kepada 100 siswa serta
2024, BCA menyalurkan dana Tanggung Jawab mendukung Perdami dengan empat unit alat operasi
Sosial Lingkungan (TJSL) sebesar Rp169,8 miliar yang katarak untuk memperluas layanan medis.
bertujuan meningkatkan kualitas hidup masyarakat
dan memperkuat kontribusi sosial di berbagai sektor. Melalui Bakti Budaya, BCA melatih 65 penenun di
Saat ini, BCA memiliki 14 Desa Binaan dan dipercaya Baduy dan Sumba Timur dalam teknik pewarnaan
Kementerian Pariwisata mendampingi 16 Desa alami untuk menjaga kelestarian tradisi sekaligus
Mitra yang mencerminkan komitmen BCA dalam meningkatkan nilai ekonomi kain tenun mereka.
pemberdayaan masyarakat dan pengembangan Pagelaran budaya Nusantara: Jiwa Surga Khatulistiwa
pariwisata lokal. Pada tahun 2024, desa binaan Bakti yang digelar di Prambanan melibatkan 120 seniman,
BCA telah menyerap lebih dari 1.200 tenaga kerja termasuk siswa binaan, dan menginspirasi 1.114
dan dikunjungi oleh setidaknya 291.452 pengunjung, penonton untuk mencintai serta melestarikan budaya
berkontribusi pada pendapatan desa binaan yang Indonesia.
mencapai Rp13,3 miliar. BCA juga memberikan
pembinaan dan dukungan kepada UMKM Binaan, di Memperkuat Tata Kelola Perusahaan yang Baik
antaranya adalah melalui bantuan sertifikasi halal Tata kelola perusahaan yang baik merupakan salah
bagi 1.986 UMKM dan program Go Export untuk 58 satu aspek keberlanjutan yang menjadi landasan
UMKM dengan nilai ekspor mencapai Rp37 miliar. penting bagi Bank dalam berbisnis dan menjalankan
kegiatan operasional secara prudent. Penerapan
tata kelola perusahaan yang baik menjadi kunci
penting untuk meningkatkan kinerja dan keunggulan
daya saing berkelanjutan.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 21
Page 24
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
BCA memiliki standar tata kelola perusahaan yang menilai bahwa kinerja keberlanjutan BCA pada
tecermin dalam ASEAN Corporate Governance tahun 2024 sangat baik dan menunjukkan kenaikan
Scorecard (ACGS) yang menobatkan BCA sebagai dibandingkan tahun sebelumnya.
salah satu perusahaan yang masuk ke dalam kategori
ASEAN Asset Class PLCs. Selain itu, BCA juga Peningkatan minat masyarakat terhadap investasi
menerima berbagai penghargaan dari berbagai berkelanjutan mendorong sektor perbankan untuk
lembaga kredibel atas konsistensinya dalam menyediakan produk yang mendukung keberlanjutan.
menerapkan praktik tata kelola yang baik. Prestasi Hal ini membuka peluang bagi BCA untuk
ini antara lain sebagai The Greatest Champions of memperbesar pembiayaan hijau dan berkolaborasi
GRC Excellence Performance 2024, Juara Umum dengan bank-bank lain serta lembaga pemerintah
Annual Report Award 2023, The Best Overall di IICD dalam mendanai proyek ramah lingkungan.
Corporate Governance Award 2024.
Komitmen Masa Depan
Tantangan, Peluang, dan Prospek Ke depan, BCA akan terus memperluas kolaborasi
Keberlanjutan dengan nasabah dan pemangku kepentingan untuk
Peran aktif BCA sangat penting dalam memperkuat portofolio hijau dan meningkatkan
mengintegrasikan prinsip-prinsip keberlanjutan pembiayaan rendah karbon. Dengan integritas,
ke dalam kebijakan dan kegiatan usaha Bank. inovasi, dan keberlanjutan sebagai fondasi, kami
Pemantauan dan penerapan Keuangan Berkelanjutan optimis bahwa BCA dapat terus menjadi ”good
dilakukan melalui pembahasan yang komprehensif corporate citizen” yang berkontribusi nyata bagi
antara Direksi, Dewan Komisaris, dan Divisi yang Indonesia dan dunia. Kami juga percaya bahwa
terlibat, yang dilakukan secara berkala minimal keberlanjutan adalah tanggung jawab bersama, dan
empat kali dalam setahun. Direksi juga secara rutin melalui tata kelola yang baik, pengembangan SDM,
memantau dan mengevaluasi capaian indikator serta pengelolaan lingkungan yang bertanggung
kinerja utama yang berkaitan dengan aspek LST serta jawab, kita semua dapat menciptakan masa depan
pelaksanaan Rencana Aksi Keuangan Berkelanjutan yang lebih baik.
(RAKB) setiap tahun. Secara keseluruhan, Direksi
Atas nama seluruh jajaran Direksi BCA,
kami mengucapkan terima kasih.
Jakarta, Februari 2025
Jahja Setiaatmadja
Presiden Direktur
22 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 25
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Keberlanjutan adalah Bagian dari Kehidupan Kita;
Lestarikan Hari Ini, Berkelanjutan di Masa Depan
Bersama untuk Hari Esok yang Lebih Baik
Vera Eve Lim
Chief Financial Officer, Bank Central Asia
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 23
Page 26
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Ikhtisar
Aspek Keberlanjutan
Ekonomi [FN-CB-000.A, FN-CB-000.B]
Uraian Satuan 2024 2023 2022
Kinerja Internal
Pendapatan operasional Rp miliar 108.307 98.517 85.419
Laba bersih Rp miliar 54.851 48.658 40.756
Kredit yang diberikan 1 Rp miliar 921.878 810.392 711.262
Pembiayaan infrastruktur Rp miliar 72.853 58.679 56.179
(termasuk non-cash loan)
Dana Pihak Ketiga (DPK) 2 Rp miliar 1.133.612 1.101.673 1.039.718
Total frekuensi transaksi digital Juta kali 35.927 29.794 23.776
Jumlah pajak yang dibayarkan Rp miliar 13.367 11.522 9.711
Kinerja Aspek Ekonomi terkait Keberlanjutan
Nominal produk dan/atau jasa yang memenuhi Rp miliar 228.566 203.086 183.971
kriteria KKUB
Penyaluran kredit UMKM Rp miliar 129.801 116.038 102.316
Penyaluran KUR Rp miliar 784 599 478
Persentase total KKUB terhadap total portofolio % 24,8 24,9 25,5
Keterangan:
1
Termasuk aset dari transaksi syariah, piutang pembiayaan konsumen dan piutang sewa pembiayaan.
2
Termasuk dana simpanan syariah.
24 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 27
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Pembiayaan pada Kegiatan Usaha
Berkelanjutan [FS6, FS8][FN-CB-000.B]
2024 2023 * 2022 *
Uraian
Rp miliar % Rp miliar % Rp miliar %
Portofolio Pembiayaan Kategori Kegiatan 228.566 100,0 203.086 100,0 183.971 100,0
Usaha Berkelanjutan (KKUB)
a. Energi Terbarukan 2.993 1,3 2.189 1,1 2.149 1,2
b. Efisiensi Energi 254 0,1 74 0,0 - -
c. Pencegahan dan Pengendalian Polusi 35 0,0 30 0,0 35 0,0
d. Pengelolaan Sumber Daya Alam dan 69.561 30,4 67.848 33,4 66.249 36,0
Lahan yang Berkelanjutan
e. Transportasi Ramah Lingkungan 9.447 4,1 8.030 4,0 6.901 3,8
f. Pengelolaan Air dan Air Limbah yang 4.058 1,8 1.388 0,7 818 0,4
Berkelanjutan
g. Produk Ramah Lingkungan 4.530 2,0 5.572 2,7 4.817 2,6
h. Bangunan Berwawasan Lingkungan 5.694 2,5 75 0,0 77 0,0
i. Kegiatan Usaha dan/atau Kegiatan yang 2.193 1,0 1.843 0,9 609 0,3
Berwawasan Lingkungan Lainnya
j. Kegiatan UMKM 129.801 56,8 116.038 57,1 102.316 55,6
Portofolio Pembiayaan KKUB non-UMKM 98.765 100,0 87.048 100,0 81.655 100,0
Berdasarkan Segmen
Korporasi 92.236 93,4 82.502 94,8 79.236 97,0
Komersial 2.927 3,0 1.900 2,2 1.813 2,2
Konsumer 1.967 2,0 1.011 1,1 227 0,3
Obligasi Hijau 1.635 1,6 1.635 1,9 379 0,5
Keterangan:
*) Terdapat penyajian ulang data portofolio KKUB pada tahun 2023 dan 2022.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 25
Page 28
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Lingkungan
Uraian Satuan 2024 a) 2023 2022
Kinerja Internal
Emisi GRK operasional yang dihasilkan tCO2eq 349.741 310.089 b) 142.783
(cakupan 1, 2, 3)
Penggunaan energi listrik c) kWh 177.032.383 172.492.313 156.040.072
Intensitas penggunaan energi listrik kWh/m2 139 154 139
kWh/transaksi 0,005 0,006 0,007
kWh/pekerja 6.672 6.408 8.038
Penggunaan kertas Ton 435 478 296
Pengurangan limbah kertas Ton (43) 182 239
Penggunaan air m3 492.516 403.748 302.646
Kantor cabang yang mendukung green office Kantor 78 77 74
Kegiatan Tanggung Jawab Lingkungan
Realisasi dana kegiatan tanggung jawab Rp miliar 10,7 8,1 1,5
lingkungan
Pelepasliaran orang utan di Kalimantan Ekor 5 5 5
Rehabilitasi orang utan Ekor 5 5 5
Bibit pohon Bibit 51.500 60.000 24.631
Pendidikan (edukasi) Lingkungan Peserta 623 682 939
Partisipasi kantor BCA dalam Earth Hour Kantor 946 864 544
Keterangan:
a)
Penghitungan data listrik, kertas, air, serta emisi GRK operasional dilakukan dengan mengekstrapolasikan data Januari-Oktober 2024.
b)
Penghitungan emisi operasional dilakukan dengan mengekstrapolasikan data Januari-Oktober. Emisi operasional 2023 disajikan
kembali (restatement) untuk menyesuaikan dengan metodologi dan faktor emisi dari Kalkulator Hijau Bank Indonesia.
c)
Cakupan data 2023 dan 2024 dari seluruh Kantor Pusat, Data Center, dan Kantor Cabang (KCU, KCP, dan KCP Kas). Tahun 2022
mencakup data dari Kantor Pusat, Data Center, 120 KCU, dan 742 KCP.
26 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 29
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Sosial
Uraian Satuan 2024 2023 2022
Kinerja Internal
Perempuan yang menduduki posisi direktur % 16,7 16,7 16,7
Pekerja perempuan dibandingkan total pekerja % 61,1 60,8 61,4
Jumlah jam pelatihan Jam 1.156.101 1.183.950 950.297
Biaya pelatihan dan pendidikan pekerja Rp miliar 353,6 372,8 263,2
Jumlah peserta edukasi literasi keuangan (CSR) Orang 228.973 296.022 155.769
Indeks Customer Engagement (CE) Skala 1-5 4,77 4,75 4,73
Indeks Branch Service Quality (BSQ) Skala 1-5 4,88 4,88 4,86
Tingkat penyelesaian pengaduan nasabah % 97,4 97,3 98,1
Persentase pengaduan (whistleblowing) yang % 88,1 98,2 88,5
telah selesai diinvestigasi dari total pengaduan
yang diterima
Pelibatan pihak lokal dalam rantai pasokan % 99 98 98
Kegiatan Tanggung Jawab Sosial
Realisasi dana kegiatan tanggung jawab sosial Rp miliar 159,1 145,1 143,1
Jumlah lulusan pendidikan PPBP dan PPTI Orang 572 192 199
Jumlah pasien klinik umum binaan Orang 11.831 12.802 13.734
Jumlah pasien klinik KB binaan Orang 1.789 1.897 1.978
Jumlah pasien operasi katarak Orang 1.010 1.036 803
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 27
Page 30
O1
Kami
Fokus
anjutan
Keberl
Page 31
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Siapa Kami
PT Bank Central Asia Tbk berdiri berdasarkan Akta kegiatan usaha maupun penunjang perbankan
Pendirian Perusahaan No. 38 dengan Akta Notaris disampaikan dalam Laporan Tahunan 2024 dan
Raden Mas Soeprapto tanggal 10 Agustus 1955, www.bca.co.id.
yang disetujui oleh Menteri Kehakiman dengan Surat
Keputusan No. J.A.5/89/19 tanggal 10 Oktober 1955. Komitmen BCA sebagai penyedia solusi perbankan
Bank yang lebih dikenal masyarakat dengan sebutan dan mengedepankan prinsip responsible banking
BCA merupakan badan usaha berbentuk badan didukung oleh konsep future branch model yang
hukum Perseroan Terbatas. memanfaatkan beragam perangkat teknologi
digital. Melalui konsep ini, BCA semakin memperkuat
Kegiatan usaha utama BCA adalah menyediakan customer experience, meningkatkan efisiensi
solusi perbankan untuk seluruh lapisan masyarakat. operasional di kantor cabang, serta menjadi Bank
Ketetapan bidang usaha BCA tercantum dalam yang aman untuk bertransaksi.
Anggaran Dasar Pasal 3, sedangkan uraian lengkap
Persentase Kepemilikan Saham [2-1]
Robert Budi Hartono Bambang Hartono
(Pemegang Saham Pengendali (Pemegang Saham Pengendali
Terakhir) Terakhir)
51,00% 49,00%
PT Dwimuria Investama
Masyarakat
Keterangan: Andalan
54,94% 45,06% *
Pengendali
Jalur Pengendalian
* Pada komposisi saham yang dimiliki masyarakat per 31 Desember 2024,
sebesar 2,46% dimiliki oleh pihak yang terafiliasi dengan
PT Dwimuria Investama Andalan. Komisaris (tidak termasuk Komisaris
Independen) dan Direksi memiliki 0,14% Saham BCA
Nama Perusahaan [2-1] Kantor Pusat [2-1]
PT Bank Central Asia Tbk (BCA) Menara BCA, Grand Indonesia
Jl. M.H. Thamrin No. 1, Jakarta 10310
Tel. (62 21) 2358 8000
Bidang Usaha [2-1]
Fax. (62 21) 2358 8300
Bank umum yang menjalankan kegiatan perbankan.
Bidang usaha BCA sesuai dengan Pasal 3 Anggaran
Dasar. Produk dan jasa keuangan dapat diakses pada Situs Web
https://www.bca.co.id/id/Individu/Produk. www.bca.co.id
Akta Pendirian Call Center
Akta Pendirian Perusahaan No. 38 dengan Akta
Notaris Raden Mas Soeprapto tanggal 10 Agustus
1955, disetujui oleh Menteri Kehakiman dengan Surat
Keputusan No. J.A.5/89/19 tanggal 10 Oktober 1955.
Halo BCA 1500888
Lokasi Operasi [2-1] +6281 1150 0998 (WhatsApp)
Indonesia halobca@bca.co.id (surel)
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 29
Page 32
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pertumbuhan Nilai dan Skala Usaha [2-1][FN-CB-000.A]
Jumlah Pekerja dan Manajemen Jumlah Kantor (KCU, KCP, KCP Kas)
2024 2024
2023 2022 2023 2022
26.532
Orang
26.915
Orang
24.508
Orang
1.264
Kantor
1.258
Kantor
1.247
Kantor
Jumlah ATM Jumlah Rekening Nasabah
2024 2024
2023 2022 2023 2022
19.543
Unit
19.074
Unit
18.268
Unit
41,3
Juta Rekening
38,3
Juta Rekening
34,7
Juta Rekening
Pendapatan
Operasional Laba Bersih Jumlah Aset Jumlah Liabilitas Jumlah Ekuitas
2024 2024 2024 2024 2024
Rp 108,3 Rp 54,8 Rp 1.449,3 Rp 1.186,5 Rp 262,8
triliun triliun triliun triliun triliun
2023 2023 2023 2023 2023
Rp98,5 Rp48,7 Rp1.408,1 Rp1.165,6 Rp242,5
triliun triliun triliun triliun triliun
2022 2022 2022 2022 2022
Rp85,4 Rp40,8 Rp1.314,7 Rp1.093,6 Rp221,2
triliun triliun triliun triliun triliun
Jumlah
Jumlah Tabungan Jumlah Giro Jumlah Deposito Kredit Bruto Jumlah Transaksi
2024 2024 2024 2024 2024
Rp 562,1 Rp 361,9 Rp 209,6 Rp 921,9 36.016
triliun triliun triliun triliun juta
2023 2023 2023 2023 2023
Rp536,2 Rp348,5 Rp217,0 Rp810,4 29.888
triliun triliun triliun triliun juta
2022 2022 2022 2022 2022
Rp524,0 Rp323,9 Rp191,8 Rp711,3 23.877
triliun triliun triliun triliun juta
30 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 33
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Pasar Terlayani, Rantai Nilai, dan Hubungan Bisnis [2-6]
BCA bergerak di sektor perbankan dan menyediakan beragam solusi keuangan bagi masyarakat. Jenis
pelanggan BCA meliputi individu, institusi, korporasi, bisnis komersial, serta pelaku Usaha Mikro, Kecil, dan
Menengah (UMKM). Berdasarkan sektornya, BCA melayani berbagai bidang seperti sektor swasta, pemerintah,
BUMN, dan entitas asing. Informasi produk dan layanan keuangan BCA dapat diakses di www.bca.co.id. Hingga
akhir 2024, BCA memiliki 12 Kantor Wilayah, 138 Kantor Cabang Utama (KCU), 906 Kantor Cabang Pembantu
(KCP), serta 220 KCP Kas yang tersebar di seluruh Indonesia. Meskipun hanya beroperasi di Indonesia, nasabah
di luar negeri tetap dapat menggunakan layanan digital perbankan BCA untuk melakukan transaksi keuangan.
Sejak awal berdiri, BCA terus memperluas jangkauan dan mengoptimalkan rantai nilainya, baik di sektor
perbankan maupun bisnis keuangan lainnya melalui dukungan dari 8 entitas anak. Per 1 September 2024, jumlah
entitas anak mengalami perubahan setelah penggabungan PT BCA Multi Finance ke dalam PT BCA Finance.
Informasi lebih lanjut mengenai hubungan bisnis antara BCA dan entitas anak dapat diakses melalui tautan
https://www.bca.co.id/id/tentang-bca/korporasi/perusahaan-anak.
Sementara itu, keberadaan BCA bersama entitas anak telah memberikan kontribusi signifikan terhadap
perekonomian nasional dan mendukung pencapaian Tujuan Pembangunan Berkelanjutan (TPB). Di tahun 2024,
BCA melibatkan 3.916 mitra kerja lokal dari total 3.951 mitra kerja. Adapun nilai pengadaan untuk mitra kerja
lokal tercatat sebesar 94,6% dari total biaya pengadaan barang dan jasa. Di samping itu, BCA juga patuh
terhadap regulasi yang berlaku dan turut mendukung pembiayaan proyek-proyek pemerintah.
Perubahan Signifikan [2-6]
BCA mencatat bahwa selama tahun 2024 tidak ada perubahan signifikan terkait penutupan atau pembukaan
cabang, model bisnis, rantai pasokan, maupun struktur kepemilikan saham mayoritas.
Keanggotaan Asosiasi [2-28]
BCA terlibat aktif dalam berbagai asosiasi, lembaga, maupun inisiatif yang mendukung praktik keberlanjutan.
Keanggotaan ini merupakan langkah strategis yang diambil BCA dalam menjalankan kegiatan perbankan dengan
memperhatikan aspek keberlanjutan. BCA hanya memberikan kontribusi dalam bentuk iuran keanggotaan
rutin, tanpa dukungan keuangan tambahan. Sampai dengan akhir 2024, BCA belum terdaftar sebagai Globally
Systemically Important Bank (G-SIB) sebagaimana ditetapkan oleh Financial Stability Board (FSB). Kendati
demikian, BCA tetap berkomitmen untuk menerapkan prinsip kehati-hatian serta manajemen risiko yang sejalan
dengan standar internasional guna memastikan stabilitas dan keberlanjutan operasional. [FN-CB-550a.1]
Berikut adalah daftar keanggotaan BCA dalam beberapa asosiasi yang mendukung penerapan Keuangan
Berkelanjutan.
Keanggotaan dalam Asosiasi di Bidang Keberlanjutan
No. Nama Asosiasi
1 Perhimpunan Bank Nasional (PERBANAS)
2 ACI Financial Market Association (ACI FMA)
3 Asosiasi Sistem Pembayaran Indonesia (ASPI)
4 Forum Komunikasi Direktur Kepatuhan Perbankan (FKDKP)
5 Perhimpunan Pedagang Surat Utang Negara (HIMDASUN)
6 Indonesia Contact Center Association (ICCA)
7 The Institute of Internal Auditors (IIA)
8 Ikatan Komite Audit Indonesia (IKAI)
9 Inisiatif Keuangan Berkelanjutan Indonesia (IKBI)
10 Asosiasi Emiten Indonesia (AEI)
11 Kamar Dagang dan Industri Indonesia (KADIN)
12 Partnership for Carbon Accounting Financials (PCAF)
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 31
Page 34
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Strategi Keberlanjutan [2-22]
Pendekatan Kami
BCA menerapkan praktik keberlanjutan untuk mendukung ekonomi rendah karbon dengan strategi yang
mencakup Keuangan Berkelanjutan, Pilar Keberlanjutan, dan inisiatif lain untuk mencapai Tujuan Pembangunan
Berkelanjutan (TPB). Komitmen ini diintegrasikan dalam visi, misi, tata nilai, serta pilar keberlanjutan.
VISI
KEUANGAN BERKELANJUTAN
Bank pilihan utama andalan masyarakat yang berperan
sebagai pilar penting perekonomian Indonesia, selaras
dengan pembangunan berkelanjutan Indonesia.
TATA NILAI
KEUANGAN BERKELANJUTAN
Berusaha
Fokus pada Integritas Kerja
Mencapai
Nasabah Sama Tim
yang Terbaik
PILAR
KEBERLANJUTAN
01 02 03
Perbankan Budaya Berkarya
Berkelanjutan Keberlanjutan Memberi Nilai
32 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 35
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
MISI
KEUANGAN BERKELANJUTAN
Menyelaraskan kegiatan
usaha perusahaan
dengan prinsip Keuangan
Berkelanjutan.
Menjalankan Kebijakan dan Strategi Keberlanjutan [2-22, 2-23, 2-24]
Pelaksanaan kebijakan dan strategi keberlanjutan diselaraskan dengan visi dan misi Keuangan Berkelanjutan.
Dalam beberapa tahun terakhir, BCA telah menyesuaikan dan menerapkan berbagai kebijakan internal, standar
prosedur operasional, peta jalan, strategi, maupun Rencana Aksi Keuangan Berkelanjutan (RAKB). Inisiatif
ini dirancang untuk mencapai target kinerja keberlanjutan dan mengelola aspek lingkungan, sosial, dan tata
kelola (LST) serta ekonomi yang seimbang.
BCA mengedepankan integrasi strategi bisnis dan strategi keberlanjutan untuk mewujudkan bisnis yang
bertanggung jawab dan berkelanjutan. Strategi pengelolaan aspek-aspek LST semakin diperkuat dan terus
dipantau implementasinya, dengan evaluasi berkala terhadap efektivitas pelaksanaannya. Pelaksanaan
strategi keberlanjutan diawasi langsung oleh Direktur Perencanaan dan Keuangan, dikoordinasikan oleh Grup
ESG, dan didukung oleh seluruh unit kerja.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 33
Page 36
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Bisnis yang Bertanggung Jawab
Menanamkan Budaya Keberlanjutan [2-22, 2-24]
BCA menegaskan komitmen pada praktik keberlanjutan melalui visi, misi, dan tiga pilar utama:
Perbankan Berkelanjutan, Budaya Keberlanjutan, dan Berkarya Memberi Nilai. Pilar ini telah menjadi
budaya di seluruh level jabatan dan unit kerja, dengan tujuan memberikan dampak positif bagi
pemangku kepentingan dan lingkungan. Untuk membentuk budaya keberlanjutan, BCA memobilisasi
seluruh pekerja sebagai agen perubahan melalui pelatihan, sosialisasi berkelanjutan, serta edukasi
terkait topik keberlanjutan di setiap lokasi operasional. Program seperti ‘Sustainability Awareness
Month’, edukasi melalui e-learning, dan media internal lainnya dilakukan untuk memperkuat
pemahaman dan implementasi keberlanjutan di BCA.
Insan BCA merupakan agen perubahan dari budaya keberlanjutan di BCA.
Tata Kelola Keberlanjutan [2-13, 2-24]
BCA menerapkan Keuangan Berkelanjutan dan kepada Senior Executive Vice President CFO Office.
pengelolaan LST sebagai tanggung jawab bersama Senior Executive Vice President CFO Office bertugas
di seluruh unit kerja dan direktorat. Direksi dan untuk melaporkan kinerja keberlanjutan kepada
Dewan Komisaris turut berperan dalam tata kelola Direktur Perencanaan & Keuangan, yang selanjutnya
keberlanjutan, pemantauan kinerja, dan pengelolaan bertanggung jawab menyampaikan laporan tersebut
aspek LST. kepada Presiden Direktur. Indikator kinerja LST dan
Keuangan Berkelanjutan juga tercakup dalam KPI
Grup Environment Sustainability Governance (ESG) Direksi dan unit kerja terkait, sehingga keberlanjutan
BCA merupakan unit terpisah di bawah Direktorat menjadi bagian integral dari kegiatan operasional
Perencanaan & Keuangan, yang bertanggung jawab harian.
34 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 37
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Struktur Tata Kelola Keberlanjutan [2-9]
Struktur tata kelola keberlanjutan BCA digambarkan sebagai berikut:
RAPAT UMUM PEMEGANG SAHAM
DEWAN DIREKSI
KOMISARIS
PRESIDEN DIREKTUR
WAKIL PRESIDEN DIREKTUR
DIREKTUR & PERENCANAAN &
DIREKTUR LAINNYA KEUANGAN
Senior
Executive
Unit Bisnis: Unit Pengelolaan Unit Pendukung: CSR & Vice
• Corporate • HR & Learning Unit KP Cabang/ President
Risiko & Corporate
Banking Institute Lainnya Kanwil
Kepatuhan: Communications
• Commercial & • Analisa Risiko • Pengadaan &
SME Banking Kredit Logistik Grup
• Consumer • Manajemen Risiko • Strategi Operasi
Banking • TI
ESG
• Kepatuhan
• Transaction • Anti-Fraud
Banking
Keuangan
Berkelanjutan
Garis Koordinasi
Catatan:
- Garis koordinasi menggambarkan mekanisme pelaporan kemajuan Keuangan Berkelanjutan
Informasi lengkap terkait komposisi badan tata • Memberikan masukan atas kinerja keberlanjutan
kelola tertinggi dan komite perusahaan disampaikan dan/atau Keuangan Berkelanjutan yang
pula dalam Laporan Tahunan 2024. Selain itu, disampaikan oleh Direksi; serta
informasi ini juga dapat diakses di https://www. • Memberikan arahan penyusunan RAKB sesuai
bca.co.id/id/tentang-bca/tata-kelola/struktur- strategi bisnis Bank.
organisasi. Untuk informasi evaluasi kinerja
organ tertinggi perusahaan dapat diakses di Peran Direksi dalam penerapan Keuangan
https://www.bca.co.id/-/media/Feature/Report/ Berkelanjutan adalah mengarahkan dan memimpin
File/S8/Kebijakan-GCG/20190712-Final-Kebijakan- perusahaan untuk mencapai target dan tujuan
Self-Assessment-IN.pdf. keberlanjutan, yang mencakup:
• Menyusun RAKB dan Laporan Keberlanjutan untuk
Tugas Dewan Komisaris, Direksi, dan disampaikan kepada OJK setelah mendapat
Pejabat Penanggung Jawab Penerapan persetujuan dari Dewan Komisaris;
Keuangan Berkelanjutan [2-12, 2-24] • Menyusun strategi bisnis dan melaksanakan
Dalam penerapan Keuangan Berkelanjutan, Dewan kegiatan Bank dengan mempertimbangkan dan
Komisaris menjalankan peran pengawasan yang menyelaraskan aspek ekonomi, lingkungan,
mencakup: sosial, dan tata kelola;
• Menyetujui Rencana Aksi Keuangan Berkelanjutan • Memastikan strategi keberlanjutan secara
(RAKB) dan Laporan Keberlanjutan yang disusun keseluruhan sesuai dengan strategi Bank;
oleh Direksi, untuk disampaikan kepada OJK; • Menyetujui kebijakan terkait Keuangan
• Memastikan penyusunan strategi bisnis dan Berkelanjutan;
pelaksanaan kegiatan Bank oleh Direksi telah • Mengimplementasikan RAKB dan prinsip
mempertimbangkan dan menyelaraskan aspek Keuangan Berkelanjutan sesuai lingkup tugas
ekonomi, lingkungan, sosial, dan tata kelola; direktorat; serta
• Melakukan evaluasi berkala atas kinerja Keuangan
Berkelanjutan.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 35
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Sementara itu, Grup ESG memiliki tugas dan fungsi BCA mengelola risiko terkait pembiayaan
yang mencakup: berkelanjutan melalui kerja sama dengan unit risiko
• Melindungi kepentingan pemangku kepentingan kredit. Pengelolaan risiko ini dimulai sejak proses
dan meningkatkan kepatuhan terhadap peraturan screening pengajuan kredit calon debitur. Selain
perundang-undangan melalui penerapan tata itu, BCA telah menetapkan kebijakan sektoral kredit
kelola perusahaan yang baik (good corporate untuk sektor-sektor dengan potensi risiko LST yang
governance/GCG); tinggi.
• Membangun budaya Keuangan Berkelanjutan
serta melakukan sosialisasi kepada semua pihak Hasil pemantauan akan diverifikasi oleh Risk
terkait di perusahaan guna mencapai kinerja Management Division untuk memastikan
keberlanjutan (environment, social, governance/ kesesuaiannya dengan selera risiko (risk appetite)
ESG); serta Bank, sebelum disampaikan kepada Direktur
• Menjalankan tugas-tugas pokok pada area yang Manajemen Risiko dan/atau Direktur unit bisnis
mencakup corporate secretary & integrated terkait. Dalam menghadapi risiko keberlanjutan, BCA
GCG, economy & environmental sustainability, secara berkala melaksanakan stress testing jangka
dan social & sustainability governance. pendek dan jangka panjang guna mengevaluasi
ketahanan terhadap berbagai skenario risiko.
Prosedur Identifikasi, Pemantauan, dan
Pengendalian Risiko atas Penerapan Pengelolaan risiko keberlanjutan, pencapaian
Keuangan Berkelanjutan kinerja keberlanjutan, dan implementasi Keuangan
[2-12, 2-14, 2-23, 2-24][FS9] Berkelanjutan dibahas secara rutin dalam rapat
Direksi dan Dewan Komisaris, sebagai pejabat Direksi setidaknya empat kali setahun. Di akhir
tata kelola tertinggi, secara aktif memantau tahun, BCA menyusun Laporan Tahunan dan Laporan
efektivitas penerapan Keuangan Berkelanjutan Keberlanjutan yang tersedia di situs web resmi BCA
dan pengelolaan aspek LST. Direktur Perencanaan untuk diakses oleh seluruh pemangku kepentingan.
dan Keuangan ditunjuk sebagai penanggung jawab Untuk pemegang saham, kinerja keberlanjutan
utama penerapan Keuangan Berkelanjutan, sekaligus disampaikan melalui analyst meeting, public expose,
membawahi Grup ESG. Dalam perannya, Direktur investor call, RUPS, dan forum lainnya.
Perencanaan dan Keuangan bertindak sebagai
koordinator dengan tugas pokok dan tanggung Pada RUPS Tahunan, Direksi dan Dewan Komisaris
jawab utama sebagai berikut: BCA melaporkan kinerja keuangan, operasional,
• Memimpin penyusunan RAKB dan Laporan penerapan GCG, serta pencapaian keberlanjutan.
Keberlanjutan; Meskipun BCA belum mengadopsi kebijakan khusus
• Melakukan pengawasan, evaluasi, dan tindak mengenai hak suara (voting policy) pemegang
lanjut implementasi RAKB secara berkala; serta saham untuk membahas isu LST dalam RUPS,
• Melakukan pengawasan dan memastikan pemegang saham tetap memiliki kebebasan untuk
implementasi aktivitas/inisiatif/program menyampaikan pendapatnya dalam forum tersebut.
Keuangan Berkelanjutan sejalan dengan strategi [FS12]
Bank serta ketentuan yang berlaku.
Pengembangan Kompetensi Keuangan
Dalam penerapan Keuangan Berkelanjutan, Direksi Berkelanjutan [FS4]
bekerja sama untuk mencapai KPI dengan koordinasi Di tahun 2024, BCA melaksanakan pelatihan terkait
dari Direktur Perencanaan dan Keuangan. Presiden Keuangan Berkelanjutan tahap lanjutan bagi pekerja
Direktur, anggota Direksi lain, dan senior eksekutif yang pekerjaannya terkait dengan implementasi
turut mengawasi serta mengevaluasi kebijakan Keuangan Berkelanjutan, termasuk bagi para
terkait aspek ekonomi, sosial, dan lingkungan pekerja yang akan dipromosikan ke jenjang tertentu.
secara insidentil sesuai kebutuhan. Pemantauan Pengembangan kompetensi dilakukan melalui
implementasi Keuangan Berkelanjutan dilakukan berbagai metode, seperti forum, webinar, FGD,
setiap tiga bulan dan dilaporkan dalam analyst sharing session, media komunikasi internal, dan media
meeting, dengan memperhatikan capaian RAKB. pelatihan lain yang disesuaikan dengan kebutuhan.
36 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Adapun pengukuran efektivitas pelatihan diukur menggunakan hasil post-test pekerja. BCA melaksanakan
pengembangan kompetensi dan pengenalan terkait Keuangan Berkelanjutan melalui Forum Gaspol Cabang
dan seluruh Kantor Wilayah serta melaksanakan Sustainability Awareness Month agar seluruh pekerja semakin
sadar tentang isu keberlanjutan serta gaya hidup berkelanjutan.
Selain itu, dalam mendukung pengembangan kompetensi terkait Keuangan Berkelanjutan, BCA melibatkan
pihak eksternal, termasuk ahli, praktisi, akademisi, pelaku bisnis, konsultan, serta organisasi seperti OJK, BI,
Kementerian RI, GRI, CDP, IDX, FIHRRST, IAI, WWF, KADIN, IKBI, serta Trisakti Sustainability Center (TSC). BCA
juga secara konsisten menyelenggarakan refreshment tahunan terkait LST dan Keuangan Berkelanjutan bagi
seluruh Direksi dan Dewan Komisaris BCA, anggota komite, serta seluruh Direksi dan Dewan Komisaris di seluruh
entitas anak.
Data Pelatihan Keuangan Berkelanjutan berdasarkan Jenjang Jabatan
Jumlah Partisipasi (Partisipan)
Jenjang Jabatan
2024 2023 2022
Dewan Komisaris 4 4 1
Direksi 12 10 9
Senior Manager 39 1.549 63
Middle Manager 357 8.972 147
Line Manager 546 14.988 221
Staf 408 25.809 561
Nonstaf 830 19.110 0
Jumlah 2.196 70.442 1.002
Peluang dan Tantangan dalam Penerapan Keuangan Berkelanjutan
Seiring dengan meningkatnya isu-isu keberlanjutan dan risiko LST, BCA mencermati sejumlah peluang dan
tantangan yang harus mulai dikelola dari sekarang untuk memastikan kesiapan di masa mendatang.
Peluang
• Meningkatnya perhatian dari pemerintah dan investor terkait bisnis berkelanjutan,
mendorong pengembangan produk dan proyek ramah lingkungan.
• Semakin banyak pelaku usaha yang mulai mengintegrasikan aspek lingkungan dalam
operasional bisnisnya.
• Terbukanya peluang pembiayaan untuk mendukung ekonomi rendah karbon, seperti di
sektor Energi Baru Terbarukan (EBT), kendaraan tenaga listrik dan baterai, serta pengelolaan
limbah.
Tantangan
• Meningkatnya ancaman serangan siber.
• Pesatnya perkembangan tekonologi informasi dan meningkatnya persaingan dengan
industri teknologi finansial (fintech).
• Pentingnya kepatuhan terhadap kebijakan pembiayaan hijau (green financing).
• Beragamnya standar penerapan LST yang ditetapkan oleh berbagai lembaga pemeringkat.
• Inisiatif dan proyek untuk mengurangi emisi GRK serta berkontribusi terhadap pencapaian
Net Zero Emission (NZE).
• Implementasi Taksonomi Hijau Indonesia (THI), Taksonomi untuk Keuangan Berkelanjutan
Indonesia (TKBI), dan Climate Risk Management & Scenario Analysis (CRMS).
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 37
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pendekatan dan Pelibatan Pemangku Kepentingan
Pemangku kepentingan berperan penting dalam keberlanjutan bisnis dan operasional BCA. Dengan
mempertimbangkan ketergantungan, tanggung jawab, tekanan, dan pengaruh, BCA mengidentifikasi pihak-
pihak utama yang dapat memengaruhi operasionalnya. Melalui keterlibatan para pemangku kepentingan,
BCA menangani isu-isu signifikan dan mengambil langkah tindak lanjut, mencerminkan komitmen terhadap
keberlanjutan bisnis serta pengelolaan aspek LST dan ekonomi. Adapun interaksi dengan pemangku
kepentingan terkait aspek LST merupakan tanggung jawab Grup ESG. Metode yang digunakan untuk
menentukan topik pembahasan LST adalah melalui proses wawancara yang melibatkan perwakilan pemangku
kepentingan. [FS5]
Pendekatan terhadap Pelibatan Pemangku Kepentingan [2-29]
Pelibatan dan Frekuensi Perhatian Utama Respons Kami
Regulator
• Semua laporan pelaksanaan • Kepatuhan dan pelaksanaan prinsip • Mematuhi peraturan perundang-
kepatuhan mencakup kehati-hatian dan tata kelola undangan, pasar modal, peraturan
pula bukti pengumuman • Implementasi Keuangan Berkelanjutan, perbankan, dan peraturan-peraturan lain
Rapat Umum Pemegang Taksonomi Hijau Indonesia (THI), yang relevan
Saham Tahunan (RUPST) Taksonomi untuk Keuangan • Memastikan implementasi tata kelola
dan Luar Biasa (RUPSLB) Berkelanjutan Indonesia (TKBI), dan perusahaan
dan ringkasan Laporan Climate Risk Management & Scenario • Mengembangkan Grup ESG untuk
Keuangan Konsolidasi Analysis (CRMS) memantau implementasi RAKB dan
• Semua laporan disampaikan • Antikorupsi, anti-fraud, serta Anti meningkatkan kualitas implementasi
minimal satu tahun sekali Pencucian Uang, Pencegahan Keuangan Berkelanjutan, THI, TKBI, dan
atau insidentil apabila Pendanaan Terorisme, dan CRMS
diperlukan Pencegahan Pendanaan Proliferasi • Meningkatkan pembiayaan Kategori
Senjata Pemusnah Massal (APU, PPT, Kegiatan Usaha Berkelanjutan (KKUB)
dan PPPSPM) • Memenuhi regulasi, kebijakan, dan
• Aktivitas pembiayaan yang ketentuan ambang batas (threshold)
mendukung kegiatan usaha regulator
berkelanjutan dan ekonomi rendah • Mengembangkan skenario dan melakukan
karbon analisis perhitungan emisi dari aktivitas
• Pembayaran pajak dan pelaporan pembiayaan serta merancang aksi iklim
kinerja perusahaan guna mendukung taget pemerintah dalam
• Dukungan pada target pemerintah mencapai NZE
dalam mencapai Net Zero Emission
(NZE)
Investor dan Pemegang Saham
• RUPS satu tahun sekali, • Kinerja keuangan dan keberlanjutan • Pengungkapan informasi kinerja LST
RUPSLB secara insidentil • Peningkatan pemberian kredit ke secara lebih komprehensif di dalam
• Analyst meeting dan sektor hijau Laporan Keberlanjutan dan analyst
publikasi laporan keuangan • Peningkatan informasi kinerja meeting
triwulan keuangan dan keberlanjutan • Tindak lanjut rekomendasi aspek LST dari
• Laporan Tahunan dan • Penetapan metrik dan target kinerja lembaga pemeringkat maupun pengamat
Laporan Keberlanjutan satu keberlanjutan • Penyusunan strategi dan peta jalan aksi
tahun sekali • Dukungan pada aksi penanganan penanganan perubahan iklim
perubahan iklim • Peningkatan nilai investasi dan dividen
• Nilai saham yang dianggap premium • Melakukan analisis awal penerapan IFRS S1
oleh masyarakat luas dan S2
• Analisis dan strategi terkait risiko serta • Melakukan penghitungan emisi cakupan
peluang ESG yang berdampak pada 3 dari portofolio pembiayaan serta
pelaporan keuangan assessment atas metode perhitungannya
• Menentukan metrik dan target kinerja
keberlanjutan
38 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Pelibatan dan Frekuensi Perhatian Utama Respons Kami
Pekerja
• Media komunikasi internal • Pelatihan, pendidikan, dan • Ketersediaan sarana komunikasi
secara berkala pengembangan kompetensi internal, antara lain media internal,
• Rapat internal sesuai • Jenjang karier gathering, sharing session, HaloSDM, dan
dengan kebutuhan divisi • Kesejahteraan, kesehatan, whistleblowing system
terkait keselamatan, dan keamanan pekerja • Pelatihan internal dan eksternal secara
• Acara kebersamaan secara • Kesetaraan kesempatan dan luring dan daring dengan berbagai modul,
berkala keberagaman termasuk topik-topik keberlanjutan
• Kebebasan berserikat dan • Sistem penilaian kerja dan promosi yang
menyampaikan pendapat jelas dan transparan
• Program work-life balance • Gedung kantor dan fasilitas kerja yang
memadai
• Adanya Serikat Pekerja dan Perjanjian
Kerja Bersama (PKB)
• Adanya wadah untuk berkreasi dan
menyalurkan bakat/minat pekerja
• Jaminan hak-hak pekerja sesuai dengan
PKB
Nasabah
• Aktivitas perbankan di • Keamanan siber dan perlindungan data • Meningkatkan sistem keamanan siber dan
Kantor Cabang, call center, nasabah tata kelola perlindungan data
dan solusi digital perbankan • Ketersediaan informasi produk dan • Pemutakhiran informasi produk dan jasa di
lainnya, frekuensi setiap jasa keuangan yang memadai situs perusahaan
saat dan/atau sesuai • Kemudahan akses kantor cabang • Meningkatkan integritas aset, gedung
kebutuhan dan fasilitas pendukung kegiatan kantor cabang, ATM, dan aset lainnya
• Pertemuan lainnya, perbankan • Peningkatan pengetahuan produk
frekuensi sesuai kebutuhan • Pelayanan dan pengetahuan produk/ frontliner dan pelayanan prima
jasa oleh frontliner berdasarkan prinsip SMART SOLUTION
• Platform perbankan digital yang user • Pemutakhiran sistem TI dan platform
friendly digital perbankan secara terus menerus
• Suku bunga kredit yang kompetitif dan • Pemberian suku bunga kredit yang
program-program menarik kompetitif sesuai acuan serta
• Penanganan keluhan nasabah pengembangan program-program
menarik
• Mengoptimalkan performa layanan
pengaduan pelanggan (Halo BCA)
• Melaksanakan survei nasabah secara
berkala
Mitra Bisnis/Pemasok/Vendor
• Interaksi setiap saat melalui • Keterbukaan dalam membangun kerja • Pemberian informasi yang dibutuhkan
berbagai sarana komunikasi sama • Proses pemilihan mitra secara adil dan
• Kode etik yang • Prosedur tender dan kontrak pekerjaan sesuai ketentuan
berhubungan dengan yang jelas • Sosialisasi kebijakan prosedur pengadaan
vendor • Kelancaran komunikasi dan hubungan • Memastikan kondisi kerja yang sehat dan
• Sosialisasi syarat kerja sama jangka panjang aman
pengadaan barang dan jasa • Pembayaran tepat waktu • Sistem pembayaran sesuai kontrak kerja
setahun sekali • Penerapan praktik LST dalam rantai • Penilaian kinerja vendor
pasokan • Sosialisasi penerapan praktik LST
Masyarakat Umum
• Seminar atau pelatihan • Pendidikan dan pelatihan • Program Bakti BCA
umum yang diadakan • Penyerapan tenaga kerja dan/atau • Pemagangan dan penyediaan kesempatan
secara berkala magang kerja sesuai kebutuhan
• Kegiatan pelibatan dan • Inklusi dan literasi keuangan • Program inklusi dan literasi keuangan
pengembangan masyarakat • Pendampingan serta komunikasi • Penilaian dampak program
• Bakti BCA, UMKM Fest, dua arah untuk pengembangan dan • Pengembangan program-program
Bangga Lokal, dan kegiatan peningkatan program Bakti BCA inovatif yang inklusif dan dapat
lainnya • Pengembangan program untuk kaum menjangkau kelompok rentan serta
rentan dan penyandang disabilitas penyandang disabilitas
Media
• Informasi perbankan secara • Jadwal pertemuan saat konferensi • Memberikan materi untuk siaran pers
berkala maupun insidentil pers • Pengembangan sarana komunikasi, antara
• Liputan media (cetak dan • Kejelasan dan tanggung jawab materi lain jumpa pers, pressroom di situs web
elektronik) komunikasi yang disampaikan BCA, dan surel corcom_bca@bca.co.id
• Keselarasan persepsi dan pemahaman • Pemutakhiran informasi terkait solusi
mengenai LST untuk mempermudah perbankan atau kinerja perusahaan yang
penyampaian informasi disampaikan dalam situs web
resmi BCA
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 39
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pengelolaan Isu Utama ESG
dan Topik Material
Analisis Materialitas dan Penentuan Topik Material [2-14, 3-1, 3-2]
Isu-isu signifikan dan topik material yang disampaikan Penentuan topik material juga mempertimbangkan
dalam laporan ini diidentifikasi melalui proses isu signifikan perbankan pada tahun berjalan, dampak
penilaian materialitas (materiality assesment). aktual dan potensial terkait aspek LST, ekonomi,
Pemangku kepentingan dilibatkan secara langsung HAM, serta pengaruhnya terhadap strategi bisnis dan
melalui wawancara dan survei kuesioner. Selain keputusan pemangku kepentingan di masa depan.
itu, BCA juga mengkaji ulang topik material tahun Pendekatan double materiality digunakan untuk
sebelumnya untuk memastikan relevansinya dan menilai sejauh mana pengelolaan risiko dan peluang
menjadi bahan diskusi dalam proses akhir penilaian terkait aspek keberlanjutan dapat berdampak secara
topik material. finansial serta memengaruhi pengungkapan finansial
pemangku kepentingan, khususnya pemegang
saham dan investor.
Proses Penentuan Topik Material
01 02 03 04
Identifikasi & Penilaian
Pelibatan Pemangku dan Penentuan Validasi Integrasi
Kepentingan Prioritas
BCA melakukan Hasil isu dan topik Proses penilaian Isu signifikan dan topik
identifikasi terhadap yang teridentifikasi materialitas dilakukan material diintegrasikan
isu-isu relevan dengan akan dinilai (assessed) setahun sekali dengan dalam pengelolaan
konteks keberlanjutan menggunakan melibatkan masukan risiko dan pelaksanaan
di industri perbankan double materiality dari ahli eksternal dan strategi Bank. Selain
dan dampaknya approach dimana mempertimbangkan itu, manajemen juga
pada strategi Bank. memperhatikan: acuan standar untuk mengintegrasikan
Selain itu, BCA • Financial sektor perbankan. topik material
juga melakukan materiality Selain itu, penilaian dengan peluang
depth interview terhadap materialitas dilakukan bisnis dan target
dengan pemangku penciptaan nilai di di bawah supervisi: kinerja. BCA berupaya
kepentingan untuk masa depan. • Grup ESG mengungkapkan
menggali perhatian • Impact material • Direktur pengelolaan topik-
utama dan isu yang terhadap aspek Perencanaan & topik material untuk
berkembang di setiap lingkungan, sosial, Keuangan meningkatkan dampak
kelompok pemangku dan ekonomi. positif dan penciptaan
kepentingan. nilai, sekaligus
memitigasi risiko LST.
(Integrasi pengelolaan
dampak, risiko, dan
target disampaikan
dalam pembahasan
masing-masing
Manajemen Topik
Material)
40 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Prioritas Topik Material [3-2]
No. Topik Material Isu-Isu Signifikan TPB
1 Perlindungan Data • Memperkuat sistem keamanan data
Nasabah dan Ketahanan • Manajemen risiko siber
Sistem Informasi • Kebijakan perlindungan privasi nasabah
• Ketahanan teknologi dan sistem informasi
2 Pembiayaan yang • Pengelolaan risiko LST pada perkreditan
Bertanggung Jawab • Pembiayaan dan pengelolaan portofolio hijau
• Sustainability-linked loan
3 Aksi Iklim • Pengungkapan emisi GRK cakupan 1, 2, dan 3
• Pengelolaan risiko keuangan terkait iklim
• Inisiatif pengurangan emisi GRK
• Inisiatif pengelolaan lingkungan (energi, emisi, limbah, air)
• Strategi perubahan iklim dan dukungan pada NZE
4 Layanan Prima • Pengalaman kemudahan bertransaksi dan rasa aman
• Efisiensi waktu melalui layanan perbankan digital
• Mekanisme penanganan pengaduan
5 Antikorupsi dan Anti- • Sosialisasi dan penyadartahuan antikorupsi dan anti-
fraud fraud
• Sistem pelaporan pelanggaran (WBS)
• Kepatuhan kebijakan antikorupsi dan anti-fraud dalam
rantai pasokan
6 Budaya Kerja dan Hak • Due diligence HAM
Asasi Manusia • Respectful workplace
• Employee engagement
7 Akses dan • Menjangkau masyarakat unbankable
Keterjangkauan • Pengembangan fitur-fitur aplikasi perbankan digital
• Inklusi dan literasi keuangan
8 Pengembangan • Program pengembangan ekonomi masyarakat
Masyarakat • Program pendidikan dan beasiswa
• Mendukung peningkatan kapasitas UMKM
Jika dibandingkan dengan topik material pada laporan periode sebelumnya, terdapat perubahan signifikan
pada topik material tahun ini, demikian juga dengan urutan prioritasnya. Perubahan topik material dipengaruhi
oleh adanya temuan isu-isu signifikan baru saat proses penentuan dan asesmen topik material prioritas
sehingga beberapa topik material disesuaikan kembali.
Di 2024, kami melakukan depth interview dengan perwakilan kelompok pemangku kepentingan dan
menggunakan metode double materiality approach, yaitu material impact dan financial impact. Dari kegiatan
ini, kami dapat menganalisis bahwa topik material pada posisi tiga teratas, yaitu: Perlindungan Data Nasabah
dan Ketahanan Sistem Informasi; Pembiayaan yang Bertanggung Jawab; dan Aksi Iklim, dinilai memberikan
dampak finansial yang signifikan di masa depan jika tidak dikelola dengan baik. Informasi lengkap mengenai
perubahan topik material dan alasannya disampaikan pada laporan terpisah yaitu Laporan Penilaian
Materialitas/Materiality Assessment Report 2024.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 41
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pengelolaan Topik Material [3-3]
Terdapat delapan topik material yang kami uraikan pengelolaannya secara menyeluruh, paling tidak mencakup
dampak positif maupun negatif terhadap perekonomian, lingkungan, masyarakat, dan HAM dalam hubungan
bisnis. Kami juga mengungkapkan organ-organ yang memantau dan mengevaluasi efektivitas kinerja dan aksi
keberlanjutan.
1. Perlindungan Data Nasabah dan Ketahanan Sistem Informasi
Mengapa penting:
Keamanan data dan privasi merupakan hak setiap nasabah, debitur, dan pelanggan BCA yang wajib untuk dipenuhi untuk
menjaga kepercayaan pemangku kepentingan. BCA menyediakan sistem informasi dan infrastruktur IT yang memadai untuk
mendukung sistem keamanan data dan siber.
Pengelolaan dampak:
BCA menunjukkan komitmennya dalam menghormati hak asasi manusia (HAM) melalui upaya pengelolaan dampak keamanan
data, informasi, dan privasi nasabah. Langkah ini mencakup perlindungan terhadap data pribadi, data simpanan, serta keamanan
finansial nasabah. Kebijakan perlindungan data pribadi diterapkan dalam seluruh aktivitas operasional Bank, termasuk
dalam kerja sama dengan mitra bisnis, pemasok, dan vendor. Penerapan sistem manajemen keamanan data bertujuan untuk
mengurangi risiko yang dapat timbul dari kelemahan sistem, seperti kebocoran data, penipuan, kecurangan, pengelabuan, serta
kejahatan siber.
Komitmen dan target: Kebijakan:
BCA terus berkomitmen untuk mencegah terjadinya • Surat Keputusan Direksi No. 175/SK/DIR/2017 tanggal 30
pencurian data dengan secara konsisten meningkatkan November 2017 tentang Penerbitan Manual Kebijakan
sistem manajemen keamanan data dan infrastruktur teknologi Dasar Manajemen Risiko dalam Penggunaan Teknologi
informasi (TI). Bank menetapkan target utama berupa tidak Informasi
adanya kebocoran data. • Surat Keputusan Direksi No. 196/SK/DIR/2024 tanggal
25 November 2024 tentang Penyesuaian Kebijakan
Evaluasi atas Efektivitas Pengelolaan Topik: Pengamanan Informasi.
Untuk memperkuat pengelolaan keamanan data dan privasi • Surat Keputusan Direksi No. 156/SK/DIR/2024 tanggal 26
nasabah, BCA menerapkan sistem pengawasan yang September 2024 tentang Pelindungan Konsumen
terintegrasi di berbagai tingkatan. Pengawasan ini melibatkan • Surat Keputusan Direksi No. 141/SK/DIR/2022 tanggal 16
Information Technology Security Group (ISG), yang bertugas September 2022 tentang Kebijakan Manajemen Risiko
memantau dan melaporkan kondisi keamanan data secara Operasional
langsung kepada Wakil Presiden Direktur. BCA melaksanakan • Surat Keputusan Direksi No. 075/SK/DIR/2023 tanggal 6
audit terhadap kepatuhan kebijakan privasi dan sistem April 2023 tentang Kebijakan Penyelenggaraan Teknologi
keamanan siber setiap tiga tahun sekali. Sepanjang periode Informasi
pelaporan, tidak ditemukan adanya kebocoran data maupun • Surat Edaran No. 257/SE/POL/2015 tanggal 11 Desember
laporan terkait penyalahgunaan data. Selain itu, Bank juga 2015 tentang Transparansi Informasi Produk BCA dan
memastikan bahwa kebijakan dan praktik keamanan siber Penggunaan Data Pribadi Nasabah BCA
diterapkan secara efektif untuk menjaga integritas sistem. • Surat Edaran No. 154/SE/POL/2016 tentang Penawaran
Produk dan/atau Layanan Jasa Keuangan dengan
Memperhatikan Prinsip Perlindungan Konsumen
• Perjanjian Kerja Bersama (PKB)
• Kode Etik Perseroan
BCA berkomitmen senantiasa memperkuat keamanan data dan privasi nasabah.
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
2. Pembiayaan yang Bertanggung Jawab
Mengapa penting:
Portofolio kredit hijau merupakan topik material yang penting untuk dikelola oleh Bank. Komitmen Bank terhadap praktik
Keuangan Berkelanjutan dan kontribusinya dalam mendukung pencapaian Tujuan Pembangunan Berkelanjutan (TPB) semakin
memperkuat signifikansi topik ini.
Pengelolaan dampak:
Praktik Keuangan Berkelanjutan telah menjadi kewajiban dari pemerintah sekaligus komitmen Bank untuk mendukung tercapainya
keberlanjutan di masa depan. Dalam mengelola portofolio hijau, Bank melaporkan pembiayaan KUBL dan melakukan pemetaan
risiko LST. Tujuannya, Bank berupaya untuk meminimalisasi risiko LST pada pembiayaan serta meningkatkan kontribusi pada
pembiayaan di sektor-sektor yang ramah lingkungan sehingga dapat memberikan dampak positif bagi pemangku kepentingan
maupun lingkungan hidup. Selain itu, BCA juga membangun kemitraan strategis dengan pemerintah, sektor swasta lainnya, dan
asosiasi/lembaga terkait untuk mengembangkan solusi bersama untuk mencapai ketahanan bisnis jangka panjang dan menuju
green economy.
Komitmen dan target: Kebijakan:
Mengelola risiko lingkungan dan sosial pada pembiayaan dan • Surat Keputusan Direksi No. 196/SK/DIR/2019 perihal
berupaya mencapai target KKUB sesuai dengan RAKB. Ketentuan Keuangan Berkelanjutan
• Surat Keputusan Direksi No. 169/SK/DIR/2020 tentang
Evaluasi atas Efektivitas Pengelolaan Topik: Peninjauan Kembali Kebijakan Bank Perkreditan Dasar
Pengawasan dan evaluasi terhadap portofolio kredit hijau (KDPB) PT. BCA, Tbk
dilakukan seiring dengan pemantauan penerapan Keuangan • Perubahan Ketentuan AMDAL dan Larangan Pemberian
Berkelanjutan. Proses pengawasan ini dilakukan setiap tiga Kredit
bulan sekali dan dilaporkan secara rutin kepada Direksi dan • Surat Keputusan Direksi No. 179/SK/DIR/2021 perihal
Dewan Komisaris. Selain itu, pembahasan terkait pencapaian Kebijakan Lingkungan PT Bank Central Asia
dan implementasi Keuangan Berkelanjutan sesuai RAKB juga • Surat Keputusan Direksi No. 268/SK/DIR/2021 tentang
disampaikan kepada para pemangku kepentingan melalui Kebijakan Pembiayaan Perkebunan dan Industri Kelapa
analyst meeting. Secara khusus, pengelolaan portofolio Sawit
kredit hijau berada di bawah pengawasan langsung Direktur • Surat Keputusan Direksi No. 198/SK/DIR/2022 tentang
Perencanaan dan Keuangan. Kebijakan Lingkungan, Sosial, dan Tata Kelola (LST)
Pembiayaan Sektor Tambang Batu Bara
• Surat Keputusan Direksi No. 203/SK/DIR/2022 tentang
Kebijakan Lingkungan, Sosial, dan Tata Kelola (LST)
Pembiayaan Sektor Pembangunan Jalan Tol
• Surat Keputusan Direksi No. 212/SK/DIR/2022 tentang
Kebijakan Lingkungan, Sosial, dan Tata Kelola (LST)
Pembiayaan Sektor Industri Kayu dan Hasil Hutan
• Surat Keputusan Direksi No. 213/SK/DIR/2022 tentang
Kebijakan Lingkungan, Sosial, dan Tata Kelola (LST)
Pembiayaan Industri Semen dan Besi Baja Dasar
• Surat Keputusan Direksi No. 179/SK/DIR/2024 tentang
Sustainability-Linked Loan
BCA senantiasa mendukung tercapainya keberlanjutan di masa depan, salah satunya
melalui pembiayaan yang bertanggung jawab.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 43
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
3. Aksi Iklim
Mengapa penting:
Risiko perubahan iklim dapat memengaruhi kelangsungan aktivitas usaha dalam jangka panjang. Oleh karena itu, Bank perlu
mengambil langkah mitigasi terhadap risiko iklim dalam kegiatan pembiayaan, mengingat bahwa aktivitas usaha debitur dapat
berkontribusi pada emisi gas rumah kaca (GRK).
Pengelolaan dampak:
Penilaian risiko iklim kini menjadi salah satu perhatian dalam penilaian kredit, khususnya untuk sektor-sektor dengan emisi
GRK tinggi, sekaligus mendorong debitur untuk mengimplementasikan strategi dekarbonisasi. BCA secara aktif mengelola
sektor-sektor yang rentan terhadap dampak perubahan iklim dan fokus untuk memperbesar pembiayaan proyek-proyek yang
berorientasi pada pengembangan energi baru terbarukan (EBT), pengurangan polusi, efisiensi energi, dan pengelolaan limbah
yang lebih baik.
Komitmen dan target: Kebijakan:
• Mengelola emisi GRK • Surat Keputusan Direksi No. 179/SK/
• Meningkatkan efisiensi energi dalam kegiatan operasional bank DIR/2021 tanggal 22 September 2021
• Berkontribusi dalam pencapaian TPB - Tujuan 13 Aksi iklim di tahun 2030 perihal Kebijakan Lingkungan PT Bank
dan mendukung Indonesia mencapai Net Zero Emission di tahun 2060 Central Asia Tbk
• Surat Keputusan Direksi No. 212/SK/
Evaluasi atas Efektivitas Pengelolaan Topik: DIR/2022 tanggal 29 November 2022
Direktur Keuangan dan Perencanaan memimpin integrasi aksi iklim, dengan tentang Kebijakan Lingkungan, Sosial,
dukungan dari unit-unit kerja yang terlibat dalam implementasi Keuangan dan Tata Kelola (LST) Pembiayaan Sektor
Berkelanjutan. Dari sisi pembiayaan, BCA secara bertahap menilai debitur Industri Kayu dan Hasil Hutan
berdasarkan upaya perlindungan dan pengelolaan lingkungan, serta strategi • Surat Keputusan Direksi No. 197/SK/
mitigasi dan adaptasi terhadap perubahan iklim menggunakan panduan DIR/2021 tanggal 6 Oktober 2021 perihal
Taksonomi Hijau Indonesia maupun Taksonomi untuk Keuangan Berkelanjutan Kebijakan Pemberdayaan Masyarakat PT
Indonesia. Bank terus memperbesar portofolio hijau, konsisten menjalankan Bank Central Asia Tbk
pengelolaan lingkungan, serta melakukan inventarisasi emisi GRK pada
cakupan 1, 2, dan 3. Selain itu, BCA juga memperkuat aksi iklim dengan
memetakan risiko iklim dan melakukan analisis pengaruhnya terhadap kinerja
finansial.
4. Layanan Prima
Mengapa penting:
Pentingnya memberikan pelayanan yang terbaik, baik dari sisi produk maupun layanan akan memberikan pengalaman terbaik
pula kepada pelanggan. Oleh sebab itu, BCA berupaya menyediakan layanan digital yang terus dikembangkan untuk menjawab
kebutuhan nasabah serta memberikan pelayanan yang setara bagi seluruh nasabahnya. Bank selalu mengutamakan solusi
kebutuhan nasabah, memberikan kemudahan, dan tingkat keamanan yang tinggi saat nasabah melakukan transaksi.
Pengelolaan dampak:
Layanan yang prima didukung oleh digitalisasi untuk memudahkan transaksi, menghemat waktu, dan mengurangi dampak
lingkungan. Dua pilar utama pengembangan layanan BCA adalah cabang digital dan peningkatan hubungan nasabah. Untuk
lebih memahami produk dan layanan BCA, kami memberikan informasi dan edukasi lengkap tentang produk dan layanan melalui
berbagai media. Kami juga memiliki prosedur penanganan keluhan untuk memastikan penyelesaian yang cepat dan tepat.
Komitmen dan target: Kebijakan:
Dengan memberikan pelayanan yang prima, BCA • Standar layanan SMART SOLUTION
berkomitmen untuk menjaga kepercayaan nasabah dan • Surat Keputusan Direksi No. 080/SK/DIR/2015 tanggal 18
selalu menjadi pilihan pertama dalam hal solusi perbankan, Juni 2015 tentang Kebijakan Penerbitan Produk/Aktivitas
dengan target mempertahankan kepuasan pelanggan setiap dan Penyediaan Sistem Teknologi Informasi Pendukungnya
tahunnya. • Surat Edaran No. 181/SE/POL/2009 tanggal 1 Desember
2009 perihal Panduan Monitoring Penanganan Keluhan
Evaluasi atas Efektivitas Pengelolaan Topik: • Surat Edaran No. 115/SE/POL/2019 tanggal 11 Juni 2019
Secara rutin, pekerja BCA mendapatkan sosialisasi mengenai perihal Penanganan Pengaduan Nasabah
kebijakan, prosedur, dan standar layanan kepada pelanggan. • Surat Edaran No. 328/SE/POL/2023 tanggal 6 November
BCA mengukur dan menjaga kualitas layanan melalui survei 2023 perihal Ringkasan Informasi Produk dan/atau Layanan
Customer Engagement dan survei Branch Service Quality. (RIPLAY).
Pelaksanaan layanan prima dipimpin oleh Operation Strategy
& Development Group (POL) dan Contact Center & Digital
Services (CDG), di bawah pengawasan Wakil Presiden
Direktur.
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
5. Antikorupsi dan Anti-fraud
Mengapa penting:
Kepercayaan adalah dasar dalam menjalankan bisnis perbankan, oleh sebab itu praktik antikorupsi dan anti-fraud sangat
penting menjadi perhatian.
Pengelolaan dampak:
Pengelolaan antikorupsi dan anti-fraud berdampak positif bagi bank dan pemangku kepentingan dengan membangun
kepercayaan dalam hubungan bisnis. Bank harus menegakkan prinsip antikorupsi dan anti-fraud tanpa toleransi terhadap
pelanggaran, baik oleh manajemen, pekerja, maupun mitra kerja.
Komitmen dan target: Kebijakan:
Nihil kecurangan dan korupsi. • Surat Keputusan Direksi No. 778/SK/DIR/1995 tanggal 24 Agustus 1995
tentang Kode Etik Bankir BCA
Evaluasi atas Efektivitas Pengelolaan Topik: • Surat Keputusan Direksi No. 219/SK/DIR/2003 tanggal 10 Oktober 2003
BCA secara rutin mengadakan sosialisasi tentang Ketentuan mengenai Benturan Kepentingan
terkait antikorupsi, pengendalian gratifikasi, • Surat Keputusan Direksi No. 146/SK/DIR/2017 tanggal 1 November 2017
dan anti-fraud. Selain itu, BCA menerapkan tentang Penerapan Whistleblowing System di BCA
Whistleblowing System (WBS) dan sistem • Surat Keputusan Direksi No. 139/SK/DIR/2020 tanggal 20 Juli 2020
pengendalian internal three lines of defense, tentang Deklarasi Anti-Fraud dan Pakta Integritas
yang meliputi pencegahan, investigasi, • Surat Keputusan Direksi No. 114/SK/DIR/2021 tanggal 17 Juni 2021 tentang
dan pemantauan. Monitoring dan evaluasi Penyesuaian Kebijakan Strategi Anti-Fraud
efektivitas kebijakan ini dilakukan melalui • Surat Keputusan Direksi No. 269/SK/DIR/2021 tanggal 31 Desember 2021
audit minimal setiap tiga tahun, dengan hasil tentang Kebijakan Antikorupsi dan Pengendalian Gratifikasi
pemantauan yang dilaporkan secara berkala • Surat Keputusan Direksi No. 233/SK/DIR/2024 - Kebijakan Program Anti
kepada manajemen. Pencucian Uang, Pencegahan Pendanaan Terorisme, dan Pencegahan
Pendanaan Proliferasi Senjata Pemusnah Massal (APU, PPT, dan PPPSPM)
• Surat Keputusan Direksi No. 234/SK/DIR/2024 - Ketentuan Penerapan
Program Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, dan
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal (APU, PPT,
dan PPPSPM)
• Perjanjian Kerja Bersama (PKB)
6. Budaya Kerja dan Hak Asasi Manusia
Mengapa penting:
Budaya kerja di BCA mencakup prinsip respectful workplace dan menghormati Hak Asasi Manusia (HAM). Topik ini merupakan
nilai fundamental yang menjadi dasar dalam melaksanakan seluruh kegiatan perbankan dan mempertahankan hubungan yang
harmonis dengan semua pemangku kepentingan, terutama antara manajemen dengan pekerja.
Pengelolaan dampak:
Penerapan prinsip respectful workplace dan penghormatan terhadap HAM di BCA dapat meningkatkan employee engagement
karena menciptakan lingkungan kerja yang aman, inklusif, dan menghargai keberagaman. Dampaknya, ketika pekerja merasa
dihargai dan diperlakukan dengan adil, mereka lebih termotivasi untuk berkontribusi secara maksimal.
Komitmen dan target: Kebijakan:
• Terciptanya tempat kerja yang layak dan aman • Surat Keputusan Direksi No. 214/SK/
• Nihil pelanggaran HAM DIR/2021 tanggal 27 Oktober 2021 tentang
Kebijakan Hak Asasi Manusia
Evaluasi atas Efektivitas Pengelolaan Topik: • Surat Keputusan Direksi No. 778/SK/
Budaya kerja yang saling menghormati telah diterapkan di lingkungan kerja DIR/1995 tanggal 24 Agustus 1995 tentang
BCA, termasuk penerapan prinsip respectful workplace dan menghormati Kode Etik Bankir BCA
HAM. Kami telah memiliki kebijakan HAM yang dikoordinasikan, dipantau, • Perjanjian Kerja Bersama (PKB)
dan dievaluasi oleh Unit Kerja Kantor Pusat (UKKP) di setiap area kerja terkait.
Di 2024, BCA juga telah mengembangkan Kebijakan Respectful Workplace
untuk memperkuat komitmen dalam menciptakan budaya kerja yang positif.
Kami percaya bahwa budaya kerja yang baik dapat memperkuat hubungan
kerja yang positif serta mendorong produktivitas yang lebih tinggi. BCA
mencatat skor Team Engagement di 2024 mencapai 4,67 dari skala 5.
Kinerja penerapan Kebijakan HAM dilaporkan oleh Grup ESG setiap tahun
kepada Direksi, Dewan Komisaris, serta seluruh pemangku kepentingan
melalui Laporan Keberlanjutan. BCA juga dapat meminta pihak independen
eksternal untuk melakukan penilaian objektif terhadap kinerja HAM sesuai
dengan standar yang berlaku.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 45
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
7. Akses dan Keterjangkauan
Mengapa penting:
Kebutuhan akan produk dan layanan perbankan semakin meningkat, sehingga perlu diimbangi dengan jaringan akses yang luas
untuk produk dan layanan tersebut.
Pengelolaan dampak:
Akses fasilitas perbankan yang luas dan mudah dijangkau oleh masyarakat memberikan dampak positif dengan meningkatkan
kenyamanan nasabah dan memperkuat peran Bank dalam mendukung perekonomian. Namun, Bank perlu mengelola potensi
dampak negatif dari kemudahan akses tersebut, seperti peningkatan fraud melalui social engineering, serangan siber, dan
kejahatan teknologi lainnya.
Komitmen dan target: Kebijakan:
Menyediakan solusi perbankan yang lebih mudah dijangkau • Implementasi Rencana dan Anggaran Perusahaan (RKAP)
dan meningkatkan akses ke solusi finansial untuk menjangkau • Rencana Bisnis Bank (RBB)
lebih banyak pelanggan. • Surat Keputusan No. 222/SK/DIR/2024 perihal Peningkatan
Literasi & Inklusi Keuangan
Evaluasi atas Efektivitas Pengelolaan Topik:
Pengelolaan akses solusi perbankan di BCA dilakukan secara
terintegrasi oleh berbagai divisi. Divisi Corporate Strategy &
Planning (DCSP) melaporkan target dan realisasi triwulanan
RBB kepada OJK. Sementara itu, Operation Strategy &
Development Group (POL) dan Divisi Manajemen Jaringan
& Pengembangan Wilayah (DJPW) bertanggung jawab
memastikan solusi BCA dapat diakses oleh nasabah dan
masyarakat luas. Di 2024, sistem keamanan informasi dan
manajemen serangan siber telah dijalankan dengan baik
oleh Information Technology Security Group (ISG) untuk
memastikan keamanan akses dan jaringan digital banking.
Pengelolaan akses dan keterjangkauan solusi perbankan ini
dimonitor oleh Wakil Presiden Direktur dan Direktur Jaringan
Wilayah & Cabang.
8. Pengembangan Masyarakat
Mengapa penting:
BCA berkomitmen untuk memberikan dampak positif kepada komunitas lokal dan masyarakat umum di sekitar lokasi
operasionalnya. Setiap kehadiran BCA di berbagai wilayah diharapkan dapat menciptakan nilai tambah yang berkelanjutan dan
berkontribusi pada pengembangan masyarakat, baik melalui program sosial, edukasi, maupun pemberdayaan ekonomi yang
relevan dengan kebutuhan setempat.
Pengelolaan dampak:
Pengelolaan dampak dari pengembangan masyarakat dilakukan melalui Bakti BCA. Dampak positif yang dirasakan oleh
masyarakat di antaranya pertumbuhan perekonomian lokal yang berkontribusi pada pengentasan kemiskinan dan pembangunan
nasional. BCA fokus untuk meningkatkan investasi dalam kegiatan yang mendorong pengembangan dan pemberdayaan, bukan
sekadar filantropi. Dengan pendekatan ini, dampak yang dirasakan oleh masyarakat diharapkan akan lebih berkelanjutan.
Komitmen dan target: Kebijakan:
Menjalankan kegiatan pengembangan dan pemberdayaan • Surat Keputusan No. 193/SK/DIR/2020 tentang Tata Kelola
masyarakat untuk mendukung pencapaian target TPB, Keberlanjutan BCA
terutama TPB 3, 4, 8, dan 10. • Surat Keputusan No. 197/SK/DIR/2021 tentang Kebijakan
Pemberdayaan Masyarakat BCA
Evaluasi atas Efektivitas Pengelolaan Topik:
Program pengembangan masyarakat dikelola oleh Grup
Corporate Communication & Social Responsibility (CCR)
melalui Bakti BCA. BCA merealisasikan dana sebesar
Rp169,8 miliar untuk semua kegiatan yang berkaitan dengan
pengembangan masyarakat sepanjang 2024. Realisasi
pelaksanaan Bakti BCA mencakup berbagai program
pendampingan dan pengembangan Desa Binaan, UMKM
Binaan, peningkatan kualitas pendidikan, layanan kesehatan,
pelestarian seni budaya lokal, serta konservasi dan rehabilitasi
lingkungan, telah memberikan dampak positif yang signifikan
bagi banyak pihak di hampir seluruh wilayah Indonesia.
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Pengelolaan Risiko dan Ketahanan Bisnis
BCA meyakini bahwa pengelolaan risiko yang efektif dapat memperkuat ketahanan bisnis, terutama di masa
transisi dan periode ketidakpastian. Guna dapat beradaptasi dengan cepat dan merespons tantangan, kami
mengambil langkah-langkah proaktif untuk mengurangi dampak risiko. Kerangka kerja manajemen risiko
mencakup empat kegiatan inti, yaitu Identifikasi dan Penilaian Risiko, Pengukuran Risiko, Manajemen dan
Pengendalian Risiko, serta Pemantauan dan Pelaporan Risiko. Risiko-risiko bisnis termasuk risiko LST senantiasa
dikelola hingga Bank dapat memenuhi ekspektasi regulator, melindungi kepentingan Bank, dan kepentingan
para pemangku kepentingan, serta untuk meningkatkan kinerja bisnis jangka panjang.
Dalam proses analisis awal IFRS Sustainability, BCA melakukan penilaian atas risk event terkait LST dan
pengaruhnya terhadap pengungkapan finansial bank. Pada tahapan awal ini, penilaian dilakukan dengan
mengidentifikasi risiko LST serta pengaruhnya terhadap akun-akun keuangan. Tahap selanjutnya, Bank akan
mencermati perkembangan serta melakukan persiapan internal agar dapat mengadopsi framework IFRS
Sustainability.
Ringkasan Penilaian Awal Prioritas Risiko LST dan Pengaruhnya terhadap Pengungkapan Keuangan
Kategori Analisis Pengaruh terhadap Akun yang
Risiko Penanganan Risiko
Risiko Pelaporan Keuangan Terpengaruh
Risiko Risiko sistem, 1. Meningkatkan tata kelola 1. Biaya untuk pengembangan 1. Aset tidak
Operasional human, internal keamanan data dan dan/atau maintenance berwujud/
process, & IT cybersecurity infrastruktur dan sistem IT intangible
2. Pelatihan dan sertifikasi 2. Biaya sertifikasi ISO asset
Dampak aspek pekerja terkait IT 27001 sistem manajemen 2. Aset tetap
LST: 3. Penetration Testing dan Audit pengamanan 3. Beban
Governance Keamanan yang semakin 3. Biaya penanganan jika terjadi administrasi
Social ketat pengaduan terkait kebocoran dan umum
4. Assets Management/Assets data 4. Akun biaya
Storage (data center) pelatihan
5. Rutin melakukan sosialisasi atau
BCP awareness dan sertifikasi
pengujian atas BCP termasuk
di dalamnya simulasi insiden
siber
Risiko Kredit Risiko Kredit 1. Menjalankan ESRM dalam 1. Potensi kredit macet/ 1. Kredit yang
kegiatan pembiayaan bermasalah karena usaha diberikan
Dampak aspek 2. Mengembangkan, melakukan debitur terdampak risiko iklim 2. Pendapatan
LST: review, dan memperbarui 2. Meningkatkan pencadangan bunga
Governance kebijakan internal terkait untuk mengatasi NPL tinggi 3. Beban
Environment pengelolaan lingkungan dan 3. Biaya untuk pelatihan topik- operasional
green financing yang selaras topik ESG dan sustainability lainnya
dengan ketentuan regulator 4. Risiko reputasi dari domino 4. Biaya
3. Pelatihan terus menerus effect yang disebabkan oleh pelatihan
terkait implementasi debitur yang melanggar
Keuangan Berkelanjutan kepatuhan lingkungan dan
4. Melakukan Climate Risk sosial, sehingga timbul biaya
Stress Testing (CRST) secara untuk menangani kasus terkait
berkala
5. Memperketat monitoring
terhadap portofolio kredit
dan kegiatan usaha debitur
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 47
Page 50
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Kategori Analisis Pengaruh terhadap Akun yang
Risiko Penanganan Risiko
Risiko Pelaporan Keuangan Terpengaruh
Risiko Strategis Perubahan 1. Mempelajari perubahan Biaya sosialisasi dan 1. Beban
kebijakan untuk kebijakan serta dampaknya implementasi untuk penerapan umum dan
perusahaan terhadap perusahaan kebijakan yang baru administrasi
publik dan 2. Melakukan dialog dengan 2. Beban
sektor regulator terkait kebijakan operasional
perbankan di dan peraturan terkini lainnya
indonesia 3. Mengembangkan kebijakan 3. Beban lain-
dan infrastruktur internal yang lain
Dampak aspek mencakup sistem manajemen
LST: risiko, sistem informasi, dan
Governance sistem pengendalian internal
Social 4. M e n g i m p l e m e n t a s i k a n
Environment kebijakan baru sesuai dengan
timeline regulator
Risiko Pasar Risiko nilai tukar 1. Melakukan diversifikasi 1. Perhitungan pelaporan 1. Modal/
dan suku bunga portofolio (aset dan Kewajiban Penyediaan Modal ekuitas
geografis) untuk mengurangi Minimum (KPMM) 2. Laba/rugi
Dampak aspek dampak risiko 2. Transaksi perbankan dalam 3. Selisih kurs
LST: 2. Mengelola risiko kredit mata uang asing yang 4. Aset likuid
Governance 3. Mengelola portofolio trading menyebabkan adanya 5. Akun
book yang terekspos dengan keuntungan dan/atau kerugian lainnya yang
risiko suku bunga selisih kurs terdampak
4. Melakukan pengukuran risiko transaksi
suku bunga banking book pasar
Risiko Asuransi Keterlambatan 1. Pengelolaan risiko 1. Pencatatan piutang transaksi 1. Aset lain-lain
penerimaan underwriting asuransi 2. Beban yang
penebusan 2. Penguatan tata kelola dan 2. Beban lainnya yang timbul masih harus
asuransi manajemen risiko asuransi dibayar
3. Memastikan kecukupan 3. Premi
Dampak aspek sistem pengendalian internal asuransi
LST: dan SDM dibayar di
Governance 4. Meningkatkan sistem muka
informasi manajemen
BCA senantiasa berkomitmen menerapkan cyber security dalam
pencegahan risiko.
48 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 51
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Etika dan Integritas
Lembaga keuangan merupakan tulang punggung perekonomian yang sehat di mana pun mereka beroperasi.
Oleh sebab itu, BCA teguh menjadi bank yang bertanggung jawab dalam menyediakan layanan dan produk
finansial bagi seluruh masyarakat. Kami menjunjung tinggi praktik perbankan yang etis yang didasarkan pada
nilai-nilai transparansi, akuntabilitas, keadilan, integritas, dan penciptaan nilai jangka panjang.
BCA senantiasa menjunjung tinggi integritas dalam melayani masyarakat.
Praktik Operasi yang Adil [2-27]
Praktik operasi yang beretika menjadi bagian dari pelaksanaan tanggung jawab sosial perusahaan. Penerapan
praktik operasi yang beretika di BCA tecermin dari beberapa kebijakan berikut:
• Menerapkan kode etik perbankan;
• Menjalankan praktik operasi yang adil;
• Tidak terlibat dalam politik maupun kebijakan pemerintah;
• Membangun, memelihara, dan memperkuat tata kelola, termasuk pembayaran pajak;
• Menghormati dan mendukung perlindungan pada kekayaan intelektual;
• Tidak melakukan praktik monopoli;
• Menegakkan antikorupsi, pengendalian gratifikasi, dan anti-fraud;
• Menjaga keberlanjutan dalam rantai nilai di berbagai bidang dan merumuskan kebijakan-kebijakan untuk
menangani isu keamanan data, hak asasi manusia, hingga pelestarian lingkungan.
Selama periode pelaporan, BCA mematuhi kebijakan, peraturan, maupun undang-undang di Indonesia,
sehingga BCA tidak pernah menerima sanksi maupun denda akibat ketidakpatuhan terkait praktik operasi
yang adil.
Rantai Pasokan yang Bertanggung Jawab
BCA membangun hubungan bisnis yang transparan dengan mitra dan pemasok untuk mendukung rantai nilai
bisnis yang berkelanjutan. BCA tengah mengembangkan Good Procurement Practices Guideline (GPPG) yang
menjadi panduan kepada pemasok dan mitra untuk menjalankan tugas secara berintegritas, patuh hukum, dan
berkelanjutan. Panduan ini mencakup prinsip kepatuhan hukum, transparansi, pengelolaan risiko sosial dan
lingkungan, penghapusan kerja paksa, standar keselamatan dan kesehatan kerja (K3), serta perlindungan data.
Semua mitra diwajibkan menandatangani Pakta Integritas dan diharapkan memenuhi standar keberlanjutan
yang ditetapkan. Guna mendukung pelaksanaan praktik pengadaan yang bertanggung jawab sesuai dengan
GPPG, kami telah mengadakan sosialisasi internal kepada unit kerja terkait yang terlibat dalam proses pemilihan
pemasok dan mitra kerja lainnya.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 49
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
BCA memastikan pemasok dan mitra bebas dari praktik korupsi, pekerja anak, dan kerja paksa, serta
mendukung pengelolaan lingkungan yang berkelanjutan. Selain itu, mereka juga wajib mematuhi etika bisnis,
seperti antikorupsi dan perlindungan data. Dengan pendekatan ini, BCA memastikan mitra kerja tidak hanya
mendukung kelancaran operasional, tetapi juga berkontribusi pada pencapaian keberlanjutan jangka panjang.
Dalam rantai pasokan, kami selalu mengutamakan pelibatan pihak lokal untuk menggerakkan perekonomian di
Indonesia. Di 2024, kami telah melibatkan 3.916 pemasok/mitra kerja lokal, dengan nilai pengadaan mencapai
94,6% dari total pengadaan.
Proporsi Keterlibatan Pemasok berdasarkan Jumlah Badan Usaha
Jumlah Pemasok/Mitra Kerja
Jenis Pemasok/ Mitra Kerja
2024 2023* 2022*
Lokal 3.916 3.852 5.524
Luar Negeri 35 35 53
Total 3.951 3.887 5.577
*) Terdapat penyajian ulang data jumlah pemasok pada tahun 2023 dan 2022
Proporsi Keterlibatan Pemasok berdasarkan Nilai Pengadaan
Jenis Nilai Pengadaan Barang (Rp miliar) Nilai Pengadaan Jasa (Rp miliar)
Pemasok/
Mitra 2024 2023 2022 2024 2023 2022
Kerja
Lokal 2.587 4.129 5.672 902 1.742 7.825
Luar Negeri 148 72 169 52 48 107
Total 2.735 4.201 5.841 954 1.790 7.932
Transparansi dan Kredibilitas Laporan
Pada tahun 2024, BCA memperkuat tata kelola terkait komunikasi keberlanjutan dengan tujuan meminimalkan
risiko greenwashing. Semua saluran komunikasi, terkait solusi perbankan maupun informasi kinerja perusahaan,
hingga klaim dampak lingkungan dan sosial harus menjalani proses peninjauan serta persetujuan divisi. Setiap
laporan yang diterbitkan telah mempertimbangkan prinsip transparansi dan akuntabilitas. Selain itu, laporan ini
juga diverifikasi oleh pihak independen.
Antikorupsi dan Anti-fraud
BCA selalu menjunjung tinggi prinsip kepercayaan dan tidak menoleransi segala bentuk kecurangan, korupsi,
kolusi, maupun nepotisme. Penerapan kebijakan antikorupsi dan pengendalian gratifikasi mengacu pada Surat
Keputusan Direksi No. 269/SK/DIR/2021 tanggal 31 Desember 2021 dan Surat Edaran No. 336/SE/POL/2022
tanggal 15 September 2022, sementara kebijakan strategi anti-fraud mengacu pada Surat Keputusan Direksi
No. 114/SK/DIR/2021 tanggal 17 Juni 2021*. Kebijakan-kebijakan ini dapat diakses melalui situs web https://
www.bca.co.id/id/tentang-bca/tata-kelola/acgs/kebijakan-gcg.
*) Kebijakan strategi anti-fraud telah disesuaikan dengan Surat Keputusan Direksi No. 009/SK/DIR/2025 tanggal 20 Januari 2025 mengikuti
ketentuan regulator.
50 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 53
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Penerapan Antikorupsi dan Pengendalian Selain itu, penegakan antikorupsi, pengendalian
Gratifikasi [205-1, 205-2] gratifikasi, dan anti-fraud juga dilakukan di rantai
BCA terus berkomitmen untuk memperkuat budaya pasokan, di mana mitra kerja atau vendor diminta
antikorupsi dan pengendalian gratifikasi di lingkungan untuk menandatangani surat pernyataan dan kontrak
perusahaan melalui berbagai langkah berikut: yang berisi komitmen untuk tidak melakukan korupsi
1. Setiap anggota Dewan Komisaris, Direksi, maupun kecurangan sebelum kerja sama dimulai.
dan pekerja BCA diwajibkan untuk menyusun
Pernyataan Tahunan (Annual Disclosure) yang BCA telah melakukan penegakan kebijakan anti-fraud
mencakup semua kondisi atau situasi yang dengan dukungan dari Biro Anti Fraud yang bertugas
berpotensi menimbulkan benturan kepentingan. memantau implementasi kebijakan dan strategi anti-
2. Internalisasi nilai-nilai antikorupsi dan fraud di lingkungan bank. Biro ini juga mengawasi
pengendalian gratifikasi melalui sharing session, efektivitas kegiatan pencegahan, deteksi, investigasi,
sosialisasi, e-learning wajib, dan media internal pelaporan, evaluasi, dan tindak lanjut terkait kasus
lainnya. fraud. Secara berkala, Divisi Audit Internal akan
3. Tersedianya whistleblowing system sebagai melakukan penilaian terhadap penerapan strategi anti-
kanal pelaporan korupsi, fraud, dan gratifikasi fraud berdasarkan audit berbasis risiko.
yang dapat diakses oleh pihak internal maupun
eksternal, dengan pengawasan oleh Divisi Setiap kantor wilayah, cabang, dan unit kerja kantor
Compliance sebagai Unit Pengendalian Gratifikasi pusat yang terlibat dalam kegiatan operasional telah
(UPG). memiliki unit pengawasan internal masing-masing.
4. Membangun budaya antikorupsi dan pengendalian Fokus pengawasan diarahkan pada fungsi-fungsi
gratifikasi dari nasabah, debitur, vendor, rekanan, yang memiliki risiko fraud dan potensi korupsi tinggi,
mitra kerja, maupun pihak ketiga lainnya atas layanan seperti pengadaan barang, penyimpanan uang tunai
yang diberikan, dan seluruh insan BCA diwajibkan dan barang berharga, serta transaksi finansial yang
mematuhi kode etik terkait hubungan dengan melibatkan nasabah. Pengawasan ini dilaksanakan
vendor, sebagaimana diatur dalam Pedoman Tata oleh pengawas internal di setiap unit kerja.
Kelola Perusahaan.
5. Tidak terlibat dalam kegiatan politik, seperti Guna meningkatkan kesadaran antikorupsi,
pemberian dana, kontribusi politik, atau donasi pengendalian gratifikasi, maupun anti-fraud, BCA
sukarela yang berpotensi mengarah pada memberikan sosialisasi dan menyelenggarakan
pencucian uang, kolusi, dan suap. Kebijakan ini pelatihan terkait topik tersebut setiap tahunnya.
diatur dalam Pedoman Tata Kelola Perusahaan Pada tahun 2024, sebanyak 35.299 pekerja, termasuk
pada bagian Kode Etik Perusahaan. peserta magang bakti telah mengikuti pelatihan.
Secara berkala, kami memberikan sosialisasi kepada
Penegakan Anti-fraud [205-1, 205-2] seluruh pekerja melalui e-mail blast dan media
Kebijakan anti-fraud di BCA mencakup larangan komunikasi internal, sehingga 100% pekerja BCA
terhadap segala bentuk kecurangan, pemberian menerima sosialisasi mengenai anti-fraud. [205-2]
atau penerimaan gratifikasi, serta korupsi. Seluruh
pekerja, termasuk Direksi dan Dewan Komisaris,
diwajibkan menegakkan prinsip anti-fraud. Sebagai
wujud komitmen, Direksi dan Dewan Komisaris telah
menandatangani Deklarasi Anti Fraud, dan seluruh
pekerja BCA di semua jenjang jabatan diwajibkan
menandatangani Pakta Integritas.
Data Pelatihan Antikorupsi dan Anti-fraud [205-2]
Jumlah Peserta
Pelatihan Antikorupsi dan Anti-fraud
2024 2023 2022
In Class Training -* 3.446 5.875
e-Learning 35.299 35.172 33.178
*) Mulai tahun 2024, pelatihan sepenuhnya dilaksanakan melalui e-learning.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 51
Page 54
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pengelolaan Insiden serta Langkah-Langkah Tindak Lanjutnya [205-3][FN-CB-510a.1]
Terdapat 96 kasus fraud internal dengan potensi kerugian sebesar Rp37,58 miliar, sementara fraud eksternal
berpotensi menyebabkan kerugian hingga Rp90,52 miliar. Setiap insiden fraud dan korupsi telah ditindaklanjuti
sesuai prosedur, dengan pemberian sanksi pemutusan hubungan kerja (PHK) atau sanksi lainnya berdasarkan
ketentuan dalam PKB. Semua insiden telah ditangani dengan baik dan BCA mencatat bahwa tidak ada kasus
fraud atau korupsi yang memiliki dampak signifikan terhadap kelangsungan operasional perusahaan.
Sistem Pengaduan Pelanggaran [FN-CB-510a.2]
Sebagai bagian dari penerapan tata kelola yang baik (GCG), BCA menjalankan whistleblowing system (WBS)
untuk melaporkan pelanggaran etika, kecurangan, korupsi, dan pelanggaran kode etik lainnya. Laporan dapat
diajukan melalui situs web resmi BCA dengan menyertakan informasi yang jelas berdasarkan prinsip What,
Who, When, Where, dan How (4W1H). Laporan tersebut akan diterima dan divalidasi langsung oleh pengelola
WBS, dengan jaminan dari BCA atas kerahasiaan identitas pelapor.
Penyelesaian Laporan Pengaduan Pelanggaran [205-3]
Tahun Status Jumlah Keterangan
Dalam proses (open) 7 Terbukti (6), tidak terbukti (6), data tidak lengkap (24),
2024
Sudah selesai (closed) 52 informasi (9), keluhan nasabah (7)
Dalam proses (open) 0 Terbukti (6), tidak terbukti (4), data tidak lengkap (25),
2023
Sudah selesai (closed) 55 informasi/keluhan nasabah (20)
Dalam proses (open) 0 Terbukti (4), tidak terbukti (3), data tidak lengkap (15),
2022
Sudah selesai (closed) 26 informasi (2), keluhan nasabah (2)
Catatan:
Informasi lengkap terkait Whistleblowing System (WBS) terdapat dalam Laporan Tahunan 2024 dan Laporan Whistleblowing pada https://
www.bca.co.id/id/tentang-bca/tata-kelola/Whistleblowing-System.
Penggolongan Laporan WBS yang Terbukti
Pelanggaran terhadap Kode Etik 2024
Korupsi atau Penyuapan 0
Harassment 2
Data Privasi Nasabah 1
Benturan Kepentingan 0
Pencucian Uang atau Insider Trading 0
Lain-lain 3
Whistleblowing System di website resmi BCA.
52 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 55
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Page 56
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Kinerja Ekonomi
Sepanjang tahun 2024, BCA telah memberikan dampak positif terhadap pertumbuhan ekonomi Indonesia,
tecermin dari tren peningkatan kinerja ekonomi di Indonesia. Pencapaian kinerja ekonomi Bank lebih baik
dibandingkan dengan tahun sebelumnya dan sesuai dengan target yang telah ditetapkan untuk tahun tersebut.
Pada tahun 2024, BCA tidak menerima bantuan finansial dalam bentuk apapun dari pemerintah. [201-4]
Capaian vs Target 2024
2024
Uraian 2023 2022
Target Pencapaian
Pertumbuhan Kredit 9%-10% 13,8% 13,9% 11,7%
Pertumbuhan Tabungan dan Giro (CASA) 6%-8% 4,4% 4,3% 10,4%
Marjin Bunga Bersih 5,5%-5,6% 5,8% 5,5% 5,3%
Cost to Income (CIR) 34%-35% 31,5% 33,8% 33,9%
Return on Asset (ROA) 3,4%-3,6% 3,9% 3,6% 3,2%
Return on Equity (ROE) 21%-23% 24,6% 23,5% 21,7%
Nilai Ekonomi Didistribusikan (dalam miliar rupiah) [201-1]
Uraian 2024 2023 2022
A. Nilai Ekonomi Dihasilkan
Pendapatan Bunga dan Syariah 94.796 87.207 72.114
Pendapatan Operasional Lainnya 26.042 23.579 21.557
Penghasilan (Beban) Komprehensif Lain (345) (1.106) (3.323)
Jumlah Nilai Ekonomi Langsung Dihasilkan 120.494 109.679 90.348
B. Nilai Ekonomi Didistribusikan
Beban Bunga dan Syariah 12.532 12.269 8.252
Beban Operasional Lainnya 38.054 37.281 31.638
Beban Penyisihan Kerugian Penurunan Nilai Aset 2.034 1.056 3.314
Pembayaran Dividen 34.209 26.196 19.108
Pembayaran kepada Pemerintah 13.367 11.522 9.711
Investasi untuk Masyarakat 170 153 143
Total Nilai Ekonomi Didistribusikan 100.366 88.477 72.166
C. Nilai Ekonomi Ditahan (A-B) 20.128 21.202 18.182
54 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 57
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Praktik Keuangan Berkelanjutan
BCA mendukung pencapaian target ekonomi rendah • Kontribusi portofolio KB mencapai minimum
karbon nasional dan global melalui komitmennya 20% dari total portofolio bank
untuk berkontribusi pada pembangunan • Aktif mencari peluang pembiayaan KB seperti
berkelanjutan dan pemberian dampak positif pengembangan program khusus UMKM, EV,
untuk generasi mendatang. Kami secara konsisten serta pinjaman dengan skema Sustainability-
menerapkan praktik Keuangan Berkelanjutan, tidak Linked Loan (SLL)
hanya sebagai bagian dari penerapan bisnis yang 2. Pengembangan Kapasitas Internal
bertanggung jawab, tetapi juga selaras dengan • 20% karyawan terkait KB mengikuti pelatihan
upaya kami dalam memitigasi risiko keuangan akibat KB tahap lanjutan
perubahan iklim, meningkatkan reputasi positif dan • Pembekalan terkait KB untuk 100% pekerja
daya saing, mendukung Indonesia mencapai target yang dipromosikan pada jenjang tertentu
Tujuan Pembangunan Berkelanjutan (Sustainable • Refreshment KB untuk manajemen BCA dan
Development Goals/SDGs), memenuhi permintaan Perusahaan Anak
pasar terhadap pembiayaan Keuangan Berkelanjutan, 3. Penyesuaian organisasi, manajemen risiko, tata
serta menjaga keberlanjutan bisnis jangka panjang kelola, dan/atau standar prosedur operasional
BCA. • Pengembangan kebijakan, SOP, dan/atau
sistem pelaporan terkait taksonomi hijau,
respectful workplace policy, business
Rencana Aksi Keuangan partnering framework berbasis LST, dll.
Berkelanjutan • Pengembangan program dan kampanye
bertema awareness LST kepada Insan BCA
Di tahun 2024, BCA telah menyusun dan melaporkan • Melakukan pilot Climate Risk Stress Test
Rencana Aksi Keuangan Berkelanjutan (RAKB) (CRST) untuk 50% portfolio pembiayaan dan
2025 kepada OJK mencakup rencana penyediaan pengembangan Climate Risk Management &
pembiayaan Kegiatan Usaha Berkelanjutan (KUB); Scenario Analysis (CRMS)
pengembangan kapasitas internal; dan penyesuaian • Melengkapi penghitungan emisi gas rumah
organisasi, manajemen risiko, tata kelola, dan/atau kaca, termasuk emisi pembiayaan
standar prosedur operasional. Grup ESG secara
berkala menerima laporan kinerja keberlanjutan
dan berkomunikasi dengan unit kerja terkait untuk Pembiayaan Bertanggung
memastikan data yang diberikan akurat serta Jawab
sebagai bentuk pengawasan. Selain itu, BCA juga
mengadakan audit berkala setiap minimum 3 tahun BCA mengintegrasikan aspek Lingkungan, Sosial,
sekali untuk memastikan bahwa kebijakan, prosedur, dan Tata Kelola (LST) dalam strategi bisnisnya
dan kinerja keberlanjutan sudah berjalan sesuai guna mendukung kinerja bisnis jangka panjang
dengan target yang tertuang dalam RAKB. yang berkelanjutan, selaras dengan meningkatnya
perhatian pemangku kepentingan atas penerapan
Pada periode pelaporan ini, RAKB yang telah disusun aspek-aspek tersebut. BCA berkomitmen
dan dilaporkan oleh BCA telah terealisasikan meningkatkan pertumbuhan portofolio pembiayaan
melebihi target yang telah disusun. Target RAKB pada Kategori Kegiatan Usaha Berkelanjutan
2024 mencakup: (sustainable financing/KKUB), baik untuk pembiayaan
1. Penyediaan pembiayaan Kegiatan Usaha kategori Kegiatan Usaha Berwawasan Lingkungan
Berkelanjutan (KUB) (green financing/KUBL) maupun untuk pembiayaan
• Pembiayaan Keuangan Berkelanjutan (KB) kategori UUMKM. Peningkatan penyaluran
tumbuh rata-rata 8%, termasuk pertumbuhan pembiayaan pada sektor-sektor ramah lingkungan
penyaluran KUR 11% diharapkan dapat mempercepat transisi menuju
ekonomi rendah karbon.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 55
Page 58
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Portofolio Pembiayaan Kategori Kegiatan Usaha Berkelanjutan (KKUB)
Uraian Satuan 2024 2023 2022
Jumlah produk yang memenuhi kategori kegiatan usaha berkelanjutan
1. Penghimpunan dana Jumlah produk - - -
2. Penyaluran dana a) Jumlah produk 3 3 2
Total aset produktif kegiatan usaha berkelanjutan
3. Total Kredit/Pembiayaan KKUB b) Rp miliar 228.566 203.086 183.971
4. Total kredit/Pembiayaan Non-KKUB Rp miliar 694.294 613.160 536.160
Total Kredit/Pembiayaan Bank Rp miliar 922.860 816.246 720.131
Persentase total kredit/pembiayaan KKUB % 24,8 24,9 25,5
terhadap total kredit/pembiayaan bank
Keterangan:
a) Produk yang digunakan untuk penyaluran dana KKUB diintegrasikan dengan produk kredit/pembiayaan yang sudah ada di BCA.
b) Portofolio pembiayaan KKUB per 31 Desember 2022 dan 2023 disajikan kembali (restatement) untuk menyesuaikan dengan hasil
identifikasi portofolio pembiayaan KKUB per 31 Desember 2024.
Komposisi Outstanding Portofolio Pembiayaan KKUB Berdasarkan Segmen Usaha [FS6]
2024 2023 2022
Uraian
Rp miliar % Rp miliar % Rp miliar %
Portofolio Pembiayaan KUBL 98.765 43,2 87.048 42,9 81.655 44,4
- Korporasi 92.236 40,4 82.502 40,6 79.236 43,1
- Komersial 2.927 1,3 1.900 1,0 1.813 1,0
- Konsumer 1.967 0,8 1.011 0,5 227 0,1
- Green bonds/Sukuk 1.635 0,7 1.635 0,8 379 0,2
Portofolio Pembiayaan UMKM 129.801 56,8 116.038 57,1 102.316 55,6
Total Portofolio Pembiayaan 228.566 100,0 203.086 100,0 183.971 100,0
KKUB
Keterangan:
Portofolio pembiayaan KKUB per 31 Desember 2022 dan 2023 disajikan kembali (restatement) untuk menyesuaikan dengan hasil
identifikasi portofolio pembiayaan KKUB per 31 Desember 2024.
Di tahun 2024, BCA mencatat portofolio pembiayaan KKUB sebesar Rp229 triliun atau meningkat 12,5%
dibandingkan tahun lalu yang sebesar Rp203 triliun. Persentase tersebut lebih tinggi jika dibandingkan dengan
target pembiayaan KKUB yang sebesar 8%. Portofolio pembiayaan KKUB terdiri atas pembiayaan KUBL dengan
43,2% dan pembiayaan UMKM sebesar 56,8%. Total portofolio kredit KKUB setara dengan 24,8% dari total
portofolio tahun 2024. [FS10]
Peningkatan portofolio pembiayaan KKUB didorong oleh tingginya kesadaran pemangku kepentingan terhadap
isu perubahan iklim, yang menciptakan peluang pasar untuk bisnis berbasis solusi iklim. BCA memandang
integrasi aspek LST dalam pembiayaan sebagai langkah strategis untuk memperkuat portofolio pembiayaan
berkelanjutan. Salah satunya adalah melalui penerapan kebijakan pembiayaan melalui skema Sustainability-
Linked Loan (SLL).
Melalui skema SLL, BCA dan debitur menyepakati Key Performance Indicator (KPI) dan target kinerja
keberlanjutan (Sustainability Performance Targets/SPTs) yang disesuaikan dengan bidang usaha utama debitur,
berkaitan dengan aspek ESG dan keberlanjutan seperti sertifikasi dan/atau penurunan emisi GRK perusahaan.
Melalui mekanisme tersebut, debitur berhak menerima insentif jika berhasil mencapai serangkaian SPT yang
telah disepakati. Hingga akhir tahun 2024, total outstanding pembiayaan melalui skema SLL mencapai Rp1.003
miliar, meningkat tiga kali lipat dibanding tahun sebelumnya.
56 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 59
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Portofolio Hijau
Portofolio Kredit KUBL Berdasarkan Sektor Usaha (Rp miliar) [FS6, FS8]
Jenis Usaha Berwawasan Lingkungan 2024 2023 2022
Energi Terbarukan 2.993 2.189 2.149
Efisiensi Energi 254 74 -
Pencegahan dan Pengendalian Polusi 35 30 35
Pengelolaan Sumber Daya Alam Hayati dan Penggunaan Lahan yang 69.561 67.848 66.249
Berkelanjutan
Transportasi Ramah Lingkungan 9.447 8.030 6.901
Pengelolaan Air dan Air Limbah yang Berkelanjutan 4.058 1.388 818
Produk Ramah Lingkungan 4.530 5.572 4.817
Bangunan Berwawasan Lingkungan 5.694 75 77
Kegiatan Usaha yang Berwawasan Lingkungan Lainnya 2.193 1.843 609
Total 98.765 87.048 81.655
Keterangan:
Portofolio pembiayaan KUBL per 31 Desember 2022 dan 2023 disajikan kembali untuk menyesuaikan dengan hasil identifikasi portofolio
pembiayaan KUBL per 31 Desember 2024.
Penjelasan lengkap terkait portofolio kredit yang dibagi berdasarkan sektor usaha dan segmen
(korporasi, komersial & UKM, dan konsumer) dapat diakses pada Laporan Tahunan 2024. [FN-CB-000.B]
BCA mendukung agenda Keuangan Berkelanjutan nasional melalui penyaluran pembiayaan KUBL. Melalui
kegiatan pembiayaan pada kategori usaha Pengelolaan Sumber Daya Alam Hayati dan Penggunaan Lahan
yang Berkelanjutan, tercatat mencapai Rp69,6 triliun per akhir 2024. Untuk memastikan praktik tanggung
jawab lingkungan, BCA senantiasa mengimbau pentingnya sertifikasi untuk praktik usaha yang berkelanjutan,
seperti ISPO atau RSPO bagi perusahaan kelapa sawit, FSC dan PEFC untuk pengolahan kayu, serta UTZ
Certification untuk produk kopi dan kakao. Melalui Surat Keputusan Direksi No. 268/SK/DIR/2021, BCA juga
menetapkan kebijakan ketat dalam pembiayaan sektor kelapa sawit guna mencegah pendanaan terhadap
praktik deforestasi dan pelanggaran HAM.
Pembiayaan pada Perusahaan Industri Kelapa Sawit yang Bersertifikasi [FS10]
Status Sertifikasi ISPO 2024 2023 2022
& RSPO Jumlah Outstanding Jumlah Outstanding Jumlah Outstanding
Perusahaan (Rp miliar) Perusahaan (Rp miliar) Perusahaan (Rp miliar)
Tersertifikasi ISPO 32 13.679 28 12.562 30 11.846
Tersertifikasi RSPO 20 20.828 22 22.405 16 19.848
Tersertifikasi ISPO dan 16 5.267 13 5.477 13 7.728
RSPO
Total 68 39.774 63 40.444 59 39.422
Keterangan:
Perusahaan yang memiliki sertifikat sebagian besar merupakan debitur korporasi dengan outstanding 69% dari total outstanding yang
bergerak di sektor Perkebunan Kelapa Sawit dan Industri Minyak Kelapa Sawit. [FS11]
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 57
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Bank mendukung transisi menuju ekonomi rendah karbon melalui pembiayaan proyek energi baru terbarukan
(EBT). BCA mencatatkan penyaluran pembiayaan senilai Rp2.993 miliar untuk berbagai proyek EBT, termasuk
pembangkit listrik tenaga surya, air, minihidro, biogas, dan biomassa. [FS8]
Usaha Mikro, Kecil, dan Menengah [FS6, FS7, FS8][FN-CB-240a.1]
Portofolio UMKM (Rp miliar)
129.801
116.038
102.316
2022 2023 2024
BCA menunjukkan komitmennya terhadap sektor UMKM dengan melakukan penyaluran pembiayaan sebesar
Rp129,8 triliun, setara dengan 14,1% dari total pembiayaan di 2024. Melalui Kredit Usaha Rakyat (KUR) yang
merupakan bagian dari pembiayaan pada sektor UMKM, BCA berupaya untuk senantiasa mendukung
pemerintah dalam meningkatkan daya saing usaha mikro dan kecil, mendorong pertumbuhan ekonomi,
meningkatkan penyerapan tenaga kerja, memperkuat kemampuan permodalan UMKM, serta menerapkan
kebijakan percepatan pengembangan sektor riil.
Penyaluran KUR [FS6, FS7][FN-CB-240a.1, FN-CB-240a.2]
Pembiayaan Maksimal
Jenis KUR Jumlah Debitur Komposisi (%)
(Rp miliar)
Mikro 290 24,3 3
Ritel 2.329 759,3 97
Total 2.619 783,6 100
Catatan:
Per akhir 2024, BCA mencatat adanya tunggakan dari KUR sebesar Rp15,3 miliar dengan rasio tunggakan keseluruhan sebesar 1,4%.
[FN-CB-240a.2]
Di tahun 2024, penyaluran KUR tercatat sebesar Rp783,6 miliar, meningkat 31% dibandingkan tahun lalu
sebesar Rp598,8 miliar. Beberapa jenis usaha rakyat yang didanai BCA di antaranya adalah usaha kerajinan
tangan, produk olahan hasil bumi, peternakan, dan pembibitan. [FS6, FS7][FN-CB-240a.1]
Penyaluran KUR dilakukan secara direct melalui Kantor Cabang BCA dan juga melalui skema channeling
untuk memperluas akses pembiayaan. Dalam penyaluran KUR, BCA menerapkan prosedur kredit yang
mencakup screening aspek sosial dan lingkungan. BCA juga menyediakan pendampingan dan pelatihan
terkait pengembangan usaha serta pengelolaan aspek LST bagi pelaku usaha rakyat yang belum memenuhi
persyaratan kredit tersebut. Setelah menjadi mitra binaan dan dinilai memenuhi kriteria kredit, baik secara
finansial maupun nonfinansial, BCA memberikan akses pembiayaan untuk mendukung pertumbuhan usaha
mereka. [FS5]
58 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Pengusaha UMKM Perempuan [FS5]
BCA telah mendukung usaha yang dipimpin oleh perempuan melalui program pembiayaan khusus,
seperti program Kredit Multiguna Usaha (KMU) Kartini dengan suku bunga mulai 3,21%. Tujuan inisiatif ini
adalah untuk mendukung kesetaraan gender dan memberdayakan pengusaha perempuan. Pada tahun
2024, BCA mencatatkan 47.856 debitur perempuan, meningkat 7,6%, dengan total pinjaman mencapai
Rp17,2 triliun, naik 16,4% dari tahun sebelumnya. Bank juga menyediakan pelatihan dan pendampingan
untuk pengusaha perempuan sebagai bagian dari komitmennya pada tata kelola sosial dan lingkungan.
Mendorong UMKM untuk Lebih Dikenal [FS5]
Sebagai salah satu pilar perekonomian bangsa, pemerintah Indonesia mendorong peningkatan akses
kredit pada sektor UMKM guna meningkatkan kesempatan pengembangan dan peningkatan kapasitas
usahanya. BCA mendorong debitur UMKM untuk semakin dikenal dan berkembang secara bisnis maupun
kapasitas, salah satunya melalui konsistensi BCA dalam menyelenggarakan Program Bangga Lokal dan
UMKM Fest setiap tahunnya. Pada 2024, lebih dari 50 UMKM terpilih untuk melakukan showcase produk-
produk andalan pada UMKM Fest di Mal Kota Kasablanka dan lebih dari 1.500 pelaku UMKM bergabung
secara online melalui situs web https://umkmfest.bca.co.id/.
Dampak Positif dan Negatif dari Penerapan Keuangan Berkelanjutan
Penerapan Keuangan Berkelanjutan bertujuan mewujudkan ekonomi rendah karbon dan mendukung
pencapaian TPB. Namun, kesiapan pemangku kepentingan dan seluruh pihak yang terlibat menjadi kunci
penting dalam praktiknya. Oleh karena itu, BCA senantiasa menerapkan prinsip Keuangan Berkelanjutan dalam
operasinya, serta mencatat berbagai dampak positif yang perlu dimaksimalkan dan dampak negatif yang
perlu dikelola, baik dari tingkat awareness pemangku kepentingan, pengelolaan aspek lingkungan dan sosial,
maupun tantangan dalam implementasi taksonomi hijau dan pemetaan risiko iklim yang belum merata.
Dampak Positif
• Peningkatan pemahaman tentang Keuangan Berkelanjutan bagi pemangku kepentingan.
• Kesadaran lebih tinggi terhadap praktik ramah lingkungan dan sosial oleh debitur.
• Pemberdayaan kelompok marginal, perempuan, maupun penyandang disabilitas untuk mengurangi
ketimpangan dan meningkatkan perekonomian.
• Kontribusi terhadap pencapaian TPB.
• Perbaikan tata kelola, prosedur, dan kebijakan untuk mengelola aspek LST.
• Mendorong pengembangan produk dan layanan perbankan baru.
Dampak Negatif
• Pemahaman Keuangan Berkelanjutan belum merata.
• Pemetaan risiko lingkungan dan sosial debitur belum menyeluruh.
• Tantangan dalam mengikuti setiap perubahan dan perkembangan Keuangan Berkelanjutan, seperti dalam
pelaksanaan analisa skenario iklim, penerapan Taksonomi untuk Keuangan Berkelanjutan Indonesia (TKBI),
dan dalam mendukung pencapaian target Net Zero Emission (NZE). Hal ini berpotensi untuk mendorong
pihak-pihak yang belum siap untuk melakukan distorsi informasi dan/atau greenwashing, berpotensi
memengaruhi kredibilitas kinerja Keuangan Berkelanjutan suatu perusahaan.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 59
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pengelolaan Risiko dan Peluang
ESG serta Pengaruhnya pada
Kinerja Keuangan [201-2]
Keberlanjutan tetap menjadi fokus utama yang lebih luas dan efektif, dengan mengintegrasikan
dalam agenda nasional dan perusahaan dengan risiko terkait perubahan iklim dan keterkaitannya
meningkatnya urgensi untuk mengambil tindakan dengan jenis risiko lainnya. Pelaksanaan manajemen
terhadap perubahan iklim serta mendukung transisi dan analisis ini telah sejalan dengan initial phase
energi. BCA memandang penting keseimbangan Bottom-Up Climate Risk Stress Testing (CRST) yang
pertumbuhan ekonomi dengan pembangunan dilakukan BCA di 2023 dan di tahun 2024, mencakup
inklusif yang berkelanjutan. Oleh karena itu, BCA 50% portofolio pembiayaan produktif perusahaan.
terus mengembangkan dan mengelola aktivitas
pembiayaan yang mendukung berbagai kegiatan 1. Tata Kelola
keberlanjutan guna memastikan bahwa pertumbuhan Direksi dan manajemen BCA berkomitmen
ekonomi tidak mengorbankan kepentingan sosial untuk mengawasi dan mengelola dampak risiko,
dan lingkungan. termasuk risiko perubahan iklim. Komitmen ini
diwujudkan melalui penetapan Key Performance
Pada 2024, BCA mendukung pencapaian target Net Indicator (KPI) yang mencakup aspek LST dan
Zero Emission (NZE) Indonesia melalui strategi iklim Keuangan Berkelanjutan, serta melalui pemetaan
yang berfokus pada dekarbonisasi dan ketahanan peran dan tanggung jawab yang jelas di seluruh
iklim. BCA mengintegrasikan manajemen risiko iklim organisasi untuk memastikan pengelolaan risiko
dalam kegiatan operasinya, serta berkolaborasi perubahan iklim dilakukan secara terintegrasi dan
dengan pemangku kepentingan dari berbagai transparan. Inisiatif perubahan iklim berada di
industri. BCA memastikan kebijakan-kebijakan bawah tanggung jawab Direktur Perencanaan dan
yang diterapkan selaras dengan praktik Keuangan Keuangan (CFO), yang memastikan bahwa risiko
Berkelanjutan, termasuk penilaian risiko iklim dan dan peluang terkait perubahan iklim diintegrasikan
adopsi inisiatif ramah lingkungan untuk mendukung dalam strategi bisnis perusahaan serta dilaporkan
mitigasi perubahan iklim dan praktik bisnis yang secara berkala. Dalam pelaksanaannya, Grup ESG
berkelanjutan. bekerja sama dengan berbagai unit kerja terkait
yang berperan dalam menganalisis, menilai, dan
Penerapan CRMS dan TCFD Framework pengelolaan risiko perubahan iklim.
[FN-CB-550a.2]
Adopsi kerangka kerja Task Force on Climate- 2. Strategi
related Financial Disclosures (TCFD) merupakan BCA mengintegrasikan potensi dampak risiko
langkah strategis yang diambil oleh BCA untuk perubahan iklim dalam strategi bisnisnya untuk
mengintegrasikan aspek-aspek terkait perubahan menjaga keberlanjutan operasional dan portofolio
iklim ke dalam pengelolaan risiko dan kesempatan kredit perusahaan jangka panjang. Langkah
finansial perusahaan. Climate Risk Management & mitigasi risiko dilakukan melalui penilaian terhadap
Scenario Analysis (CRMS) 2024 yang merupakan debitur penghasil emisi Gas Rumah Kaca (GRK).
penyempurnaan dari pelaksanaan Climate Risk Stress Direksi BCA memimpin pengelolaan risiko fisik
Testing (CRST) OJK yang telah dilakukan di tahun dan transisi terkait perubahan iklim, memastikan
2023, disusun selaras dengan kerangka kerja TCFD strategi dan capaian keberlanjutan dibahas dalam
yang dirancang untuk membantu organisasi dalam rapat direksi minimal empat kali dalam satu tahun,
mengidentifikasi, mengukur, dan mengungkapkan dan dilaporkan secara transparan melalui Laporan
dampak perubahan iklim terhadap kinerja keuangan Tahunan, Laporan Keberlanjutan, serta forum
perusahaan. Tujuan dari CRMS adalah agar Bank seperti analyst meeting, public expose, dan RUPS.
dapat mengembangkan kerangka pengelolaan risiko
60 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Dalam pengelolaan risiko iklim, BCA telah memperhitungkan perubahan harga pasar,
membuat Roadmap Strategi Perubahan Iklim likuiditas, biaya investasi, dan potensi kerusakan
yang digunakan sebagai kebutuhan internal untuk aset. Risiko fisik juga mencakup dampak pada
mendukung target NZE pemerintah. Strategi asuransi dan gangguan operasional.
ini mencakup perencanaan transisi terintegrasi
untuk memitigasi dampak pada sektor prioritas, 4. Metrik dan Target
sekaligus memastikan keselarasan dengan BCA telah mengidentifikasi enam sektor industri
strategi bisnis dan keuangan perusahaan. Upaya prioritas (berdasarkan arahan dari OJK) dengan
ini dilakukan secara konsisten untuk mendukung intensitas emisi Gas Rumah Kaca (GRK) tertinggi
Keuangan Berkelanjutan dan membangun budaya sebagai fokus implementasi CRMS/CRST. Sektor
keberlanjutan di seluruh organisasi. prioritasnya antara lain:
1. Sektor Pertambangan dan Penggalian;
3. Manajemen Risiko 2. Sektor Pengadaan Listrik, Gas, Uap/Air Panas,
BCA telah mengidentifikasi dan mengevaluasi dan Udara Dingin;
risiko perubahan iklim melalui pelaksanaan 3. Sektor Konstruksi;
CRMS/CRST yang mencakup risiko fisik dan 4. Sektor Pengangkutan dan Pergudangan;
transisi. Risiko fisik mencakup dampak langsung 5. Sektor Pertanian, Kehutanan, dan Perikanan;
dari bencana alam, yaitu banjir atau kekeringan serta
terhadap portofolio kredit dan aset, sedangkan 6. Sektor Industri Pengolahan (diutamakan
risiko transisi terkait dengan perubahan kebijakan, subsektor industri logam, industri kertas,
teknologi, dan preferensi pasar menuju ekonomi industri kimia, dan industri tekstil).
rendah karbon.
Dalam rangka mendukung transisi menuju
Dalam pelaksanaan stress testing dampak risiko ekonomi rendah karbon, OJK menetapkan di tahun
perubahan iklim terhadap risiko kredit, sesuai 2024 agar bank-bank melakukan CRMS/CRST
dengan arahan dari OJK, BCA menggunakan basis terhadap eksposur kredit untuk sektor-sektor
data aktual per Desember 2023. Skenario stress prioritas tertentu, yang diharapkan mencapai
test dilakukan dengan tahun acuan 2024, 2025, minimal 50% dari total portofolio kredit bank.
dan 2026 disesuaikan dengan Rencana Bisnis Selain itu, sektor kredit konsumtif dengan agunan
Bank (RBB). Skenario stress test menggunakan properti diwajibkan untuk diperhitungkan dalam
metodologi Network for Greening the Financial simulasi stress test. Lebih lanjut, pada tahun 2025,
System (NGFS) dengan pemodelan internal diharapkan bank-bank dapat melakukan stress
berbasis regresi linier yang dibangun dengan test terhadap 100% portofolio kredit dengan
variasi input data historis internal bank sejak tahun kriteria yang sama.
2001-2023, parameter NZE, dan makroekonomi
yang disediakan oleh OJK. BCA telah melakukan analisis terhadap emisi GRK
pada portofolio kreditnya, yang menunjukkan
Untuk risiko fisik, asesmen dilakukan pada konsentrasi emisi GRK pada beberapa sektor
perubahan nilai agunan di daerah rawan banjir prioritas. Sejalan dengan komitmen ini, BCA
dan kebakaran/kekeringan hutan menggunakan secara aktif mengumpulkan dan memperbarui
data Indeks Risiko Bencana Indonesia (IRBI) OJK. data terkait risiko transisi perubahan iklim,
Risiko transisi dievaluasi melalui kemungkinan termasuk analisis skenario iklim pada sektor-
kebijakan ketat terkait perubahan iklim yang sektor industri yang rentan terhadap kebijakan
dapat memengaruhi arus kas dan kualitas perubahan iklim, teknologi baru, perubahan pasar,
kredit debitur. Dampak terhadap risiko pasar, serta risiko reputasi.
likuiditas, dan operasional juga dianalisis, dengan
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 61
Page 64
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Ringkasan Hasil Identifikasi dan Analisis Dampak Risiko Perubahan Iklim terhadap Aset BCA
Jenis Risiko Pemicu Dampak pada BCA Jangka Waktu
Kredit Risiko fisik dan • Kualitas kredit NPL tetap terjaga < 5% Pendek,
transisi • CAR tetap terjaga pada level > 20% menengah, ke
panjang
Pasar Risiko fisik dan • Memengaruhi unrealized profit/loss
transisi • Perubahan portofolio Fair Value Through Profit or Loss (FVTPL),
bobot risiko perhitungan credit spread risk, dan default risk
charge
Likuiditas Risiko transisi • Penurunan High Quality Liquid Asset (HQLA)
• Peningkatan Net Charge-off Rate (NCO)
Risiko fisik • High Quality Liquid Asset (HQLA) pada level yang tetap
• Peningkatan Net Charge-off Rate (NCO)
Operasional Risiko transisi Potensi peningkatan biaya investasi pada:
• Infrastruktur dan bangunan
• Pengembangan infrastruktur IT
• Kegiatan CSR
• Capacity building berwawasan LST
Risiko fisik • Potensi biaya atas kerusakan/penurunan nilai aset
• Implikasi pada terganggunya/terhentinya aktivitas/layanan
operasional bank
BCA telah mengidentifikasi dan menganalisis berbagai potensi dampak risiko perubahan iklim terhadap bisnis
dan operasi perbankan, serta memahami pentingnya penyesuaian strategi untuk menghadapi potensi risiko
yang akan timbul. Salah satu risiko yang relevan adalah risiko operasional terkait transisi yang dapat berdampak
pada aspek teknologi di BCA. Risiko ini dapat memicu peningkatan biaya investasi pada pengembangan
infrastruktur IT dengan investasi pada infrastruktur IT yang berkelanjutan meningkatkan efisiensi operasional
dan mendukung implementasi strategi LST. Langkah proaktif diperlukan untuk memperkuat kapasitas
teknologi, memastikan keberlanjutan operasional, dan menjaga reputasi institusi di tengah tantangan risiko
transisi ini.
Komitmen BCA untuk meningkatkan kualitas data secara tahunan bertujuan untuk memastikan respons
yang lebih adaptif terhadap dinamika risiko perubahan iklim. Pendekatan ini tidak hanya difokuskan pada
pengurangan potensi kerugian finansial, tetapi juga mendukung pembangunan rendah karbon serta
pencapaian tujuan pembangunan berkelanjutan di tingkat nasional maupun global. Langkah-langkah strategis
ini mencerminkan upaya berkelanjutan BCA dalam mengelola risiko iklim secara terpadu, baik dari perspektif
keuangan maupun nonkeuangan.
Pengelolaan Risiko Keuangan terkait Iklim [201-2]
BCA berupaya untuk meningkatkan kapasitas dalam melaksanakan identifikasi, pengukuran, pemantauan, dan
pengendalian risiko yang berkesinambungan guna mengurangi dampak negatif yang timbul akibat perubahan
iklim dan memanfaatkan peluang untuk menciptakan perubahan positif terkait mitigasi dan adaptasi iklim.
Kami senantiasa bertanggung jawab atas penerapan manajemen risiko dan berupaya untuk terus memperkuat
manajemen risiko iklim berkaitan dengan penilaian dan pengelolaan risiko yang memengaruhi portofolio kami
secara langsung atau tidak langsung.
BCA telah merumuskan strategi iklim sebagai pedoman dalam menjalankan upaya dekarbonisasi dan
mencapai ketahanan iklim guna mendukung komitmen pemerintah Indonesia untuk mengurangi emisi
karbon dan mencapai Net Zero Emission (NZE) pada tahun 2060. Direksi dan Dewan Komisaris terlibat dalam
menyetujui dan memantau pelaksanaan strategi tersebut. Setiap tindakan terkait pengelolaan risiko iklim dan
keberlanjutan dilaporkan secara triwulanan untuk memastikan kemajuan yang konsisten.
62 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Pengelolaan Risiko LST pada Kegiatan Pembiayaan [2-23, FS1, FS2, FS3][FN-CB-410a.2]
BCA mengelola risiko LST dalam aktivitas pembiayaannya dengan memastikan setiap debitur memenuhi
persyaratan tertentu, baik secara dokumen maupun kriteria khusus yang relevan dengan produk kredit.
Penilaian mencakup aspek tata kelola, seperti legalitas izin usaha dan struktur kepengurusan, serta aspek sosial
seperti memastikan tidak adanya pekerja anak atau praktik kerja paksa. Pada tahun 2024, BCA menerbitkan
dokumen pedoman Environment Social Risk Management (ESRM) yang digunakan Tim Bisnis BCA khususnya
debitur korporasi mempelajari risiko LST pada pembiayaan. BCA juga menggunakan Environmental & Social
Risk Assessment (ESRA) untuk menilai risiko sosial dan lingkungan pada segmen Korporasi.
Proses persetujuan kredit di BCA melingkupi mekanisme eskalasi yang melibatkan beberapa unit kerja, komite kredit,
hingga Direksi untuk analisis yang lebih mendalam. Hasil dari penilaian tersebut menjadi salah satu pertimbangan
utama dalam proses persetujuan kredit, terutama untuk debitur besar atau industri tertentu. Sejak tahun 2022, BCA
mengklasifikasikan debitur berdasarkan dukungannya terhadap perlindungan lingkungan dan mitigasi perubahan
iklim sesuai dengan Taksonomi Hijau Indonesia (THI) dan Taksonomi untuk Keuangan Berkelanjutan Indonesia (TKBI).
Melalui Risk Management Division (MRK), BCA mengidentifikasi, mengukur, memantau, mengendalikan, dan
melaporkan risiko, termasuk risiko terkait LST dan perubahan iklim kepada Dewan Komisaris dan Direksi.
Integrasi Pengelolaan Risiko LST pada Aktivitas Pembiayaan
Pelaksana Tugas Pelaksana dalam Memitigasi Aspek Ekonomi dan LST
• Melakukan due diligence terhadap calon debitur melalui APU, PPT, dan PPPSPM.
• Memberikan kredit hanya kepada individu dan perusahaan yang memiliki bisnis sehat, tata kelola yang layak
dipercaya, dan memiliki kemampuan untuk melunasi pinjamannya, serta industri debitur tidak termasuk dalam
daftar industri kredit yang dilarang (exclusion list).
Marketing • Menentukan salah satu Kategori Kegiatan Usaha Berkelanjutan (KKUB) pada debitur dengan klasifikasi
pembiayaan berkelanjutan (untuk segmen SME dan komersial kecil).
• Menganalisis proposal debitur/calon debitur (korporasi dan komersial besar), terkait dengan risiko lingkungan,
sosial dan tata kelola (LST) yang dapat berpengaruh kepada kualitas kredit.
• Menentukan salah satu Kategori Kegiatan Usaha Berkelanjutan (KKUB) pada debitur (korporasi dan komersial
Analis besar) dengan klasifikasi pembiayaan berkelanjutan.
• Menyusun dan mengimplementasikan metodologi pengendalian risiko kredit dalam proses pemberian kredit.
Kredit • Memastikan bahwa pemberian kredit telah sesuai dengan ketentuan perkreditan yang berlaku.
• Memperhatikan upaya yang dilakukan debitur dalam rangka memelihara lingkungan hidup melalui dokumen
Analisis Mengenai Dampak Lingkungan (AMDAL) yang diserahkan oleh debitur dan hasil penilaian Program
Penilaian Peringkat Kinerja Perusahaan dalam Pengelolaan Lingkungan Hidup (PROPER) yang dikeluarkan oleh
Kementerian Lingkungan Hidup, jika ada.
Unit
Kepatuhan Memastikan kepatuhan perusahaan terhadap peraturan perundang-undangan perbankan yang berlaku termasuk
perihal restrukturisasi kredit.
Pejabat Bertanggung jawab dalam pengambilan keputusan kredit, baik dari sisi pengembangan bisnis maupun dari sisi
Pemutus analisis risiko kredit.
Cabang Melakukan monitoring terhadap usaha, portofolio, kualitas kredit, dan profitabilitas nasabah, serta menetapkan
Pelaksana langkah-langkah antisipatif yang diperlukan.
Pengawasan Mengawasi dan mendeteksi potensi kredit bermasalah secara dini dan mengambil tindakan untuk menghindari
Pengawasan ini melibatkan berbagai unit kerja terkait, antara lain: unit bisnis yang menangani debitur secara
langsung, Analis Kredit, Risk Management Division dan Divisi Audit Internal.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 63
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
BCA menerapkan pendekatan kehati-hatian (prudential lending approach) dalam proses pemberian kredit,
yang diatur dalam Manual Ketentuan Perkreditan Bank. Upaya mitigasi risiko LST mengacu pada beberapa
pedoman penting, seperti Panduan Implementasi Integrasi LST bagi Bank yang diterbitkan oleh OJK pada
tahun 2015 serta kebijakan internal seperti Kebijakan Dasar Perkreditan Bank (KDPB) BCA. Selain itu, BCA juga
memperhatikan ketentuan dalam Undang-Undang No. 32 Tahun 2009 tentang Perlindungan dan Pengelolaan
Lingkungan Hidup untuk memastikan pengelolaan risiko LST yang efektif dalam kegiatan pembiayaan.
Mitigasi Bank terhadap risiko LST dilakukan melalui upaya:
Lingkungan
• Memperhatikan upaya yang dilakukan debitur dalam rangka memelihara lingkungan hidup melalui
dokumen Analisis Mengenai Dampak Lingkungan (AMDAL), Upaya Pengelolaan Lingkungan Hidup
dan Upaya Pemantauan Lingkungan Hidup (UKL-UPL), dan hasil penilaian Program Penilaian Peringkat
Kinerja Perusahaan dalam Pengelolaan Lingkungan Hidup (PROPER) yang dikeluarkan oleh Kementerian
Lingkungan Hidup.
• Mewajibkan penyerahan dokumen AMDAL bagi debitur berskala besar dan/atau berisiko tinggi.
• Memintakan informasi tindak lanjut debitur jika hasil penilaian PROPER tidak memenuhi ketentuan
lingkungan hidup dan memantau hasil PROPER berikutnya.
• Memantau komitmen dan rencana mitigasi risiko bagi debitur dengan risiko perubahan iklim, kerusakan
hutan, dan keanekaragaman hayati yang signifikan melalui laporan perbaikan yang disampaikan berkala.
Sosial
• Menerapkan kebijakan ketenagakerjaan, paling tidak memiliki Peraturan Perusahaan (PP) dan/atau
Perjanjian Kerja Bersama (PKB).
• Tidak mempekerjaan anak di bawah umur.
• Tidak ada kerja paksa.
Tata Kelola
• Menerapkan konsep Three Lines Model dalam sistem pengendalian internal dan pengelolaan risiko
yang melibatkan semua lini organisasi.
• Memantau seluruh kualitas kredit secara rutin.
• Menerapkan sistem pemeringkatan risiko debitur atau Internal Credit Risk Rating/Scoring yang terdiri
atas sebelas kategori peringkat risiko mulai dari RR1 sampai dengan RR10, dan yang paling buruk (loss).
Analisis Risiko terkait Iklim pada Aktivitas Pembiayaan [201-2]
BCA telah mengantisipasi dampak perubahan iklim dengan melakukan stress test terhadap risiko fisik dan
transisi. Risiko fisik mencakup dampak langsung dari peristiwa ekstrem seperti banjir dan kekeringan/
kebakaran hutan terhadap aset dan portofolio bank. Sementara itu, risiko transisi terkait dengan perubahan
kebijakan regulator, teknologi, dan preferensi pasar yang diperlukan untuk beralih ke ekonomi rendah karbon,
sesuai dengan ketentuan OJK untuk memperkuat ketahanan sektor perbankan terhadap potensi guncangan
perubahan iklim.
BCA telah melakukan pemetaan portofolio kredit dan aset fisik yang terpapar risiko fisik, dengan fokus pada
sektor seperti properti dan perkebunan, serta mempertimbangkan faktor geografi dan iklim. Untuk risiko
transisi, analisis skenario dilakukan terhadap kebijakan seperti pajak karbon dan regulasi emisi. Hasil stress test
menunjukkan bahwa Bank memiliki paparan risiko yang tidak signifikan (material) pada sektor-sektor prioritas
regulator yang intensitas emisi GRK tinggi, seperti dalam sektor pertambangan, pengadaan listrik, dan industri
energi-intensif lainnya. Dampak risiko perubahan iklim pada risiko kredit, pasar, likuiditas, dan operasional
Bank masih dalam skala risk tolerance Bank dan memenuhi persyaratan regulator terkait tingkat kesehatan
Bank. Meski demikian, kami tetap berkomitmen untuk terus mengembangkan dan memberikan perhatian
khusus terhadap upaya mitigasi dampak perubahan iklim terhadap aset dan portofolio bank, antara lain:
64 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
• Peningkatan kualitas data Sebagai langkah konkret, BCA mendorong debitur
• Penguatan risiko tata kelola yang telah memenuhi persyaratan dasar kredit
• Integrasi risiko iklim ke dalam proses pengambilan untuk mencapai standar umum dalam aspek LST
keputusan dan meningkatkan kinerjanya melalui rencana
• Pengembangan produk dan layanan berkelanjutan aksi terstruktur dengan tenggat waktu yang jelas.
Pelaksanaan rencana ini diawasi secara ketat oleh
Sebagai lembaga keuangan, sumber utama emisi unit kerja terkait kredit melalui pemeriksaan berkala,
GRK BCA berasal dari pembiayaan/investasi dan setidaknya sekali setahun, saat proses perpanjangan
termasuk ke dalam Cakupan 3. Memahami dan atau evaluasi fasilitas kredit.
mengelola emisi yang dibiayai ini merupakan langkah
penting dalam mendukung transisi iklim. Oleh karena Selain itu, BCA juga mengikuti aksi perubahan
itu, kami mengidentifikasi sektor-sektor yang iklim bersama pemangku kepentingan industri dan
menghasilkan karbon tinggi, aset-aset terkait, serta pembuat kebijakan. Perusahaan berpartisipasi dalam
debitur yang terlibat, guna menetapkan target iklim agenda pemerintah melalui pilot project penerapan
dan merancang rencana dekarbonisasi yang efektif. Climate Risk Management and Scenario Analysis
(CRMS), penerapan Taksonomi untuk Keuangan
Kami selalu mengikuti tren penerapan Keuangan Berkelanjutan Indonesia (TKBI), serta berbagai
Berkelanjutan dan menyadari jika standar, praktik jajak pendapat dan sosialisasi. BCA bekerja sama
pasar, dan ketersediaan data akan terus berkembang. dengan OJK dan menjadi salah satu dari tujuh bank
Untuk menghitung emisi yang dibiayai, kami telah yang menandatangani komitmen untuk mendukung
melakukan beberapa kegiatan, yaitu: pencapaian Net Zero Emission (NZE) Indonesia
• Mengembangkan pendekatan penghitungan, pada 2060. Sebagai bagian dari komitmen ini, OJK
metrik, persyaratan data, asumsi, serta prinsip meluncurkan panduan CRMS untuk membimbing
dasar perhitungan ulang dan penyimpangan, sektor keuangan menuju net zero emissions, yang
mengacu kepada Partnership for Carbon sejalan dengan visi BCA dalam mendukung kebijakan
Accounting Financials (PCAF). dan kerangka kerja yang mempercepat mitigasi
• Mengembangkan kalkulator perhitungan dan perubahan iklim di Indonesia.
pengumpulan data berbasis sistem untuk seluruh
kategori aset PCAF yang sesuai dengan portofolio Unit kerja terkait kredit di BCA wajib melakukan
BCA, yaitu Ekuitas Terdaftar dan Obligasi pemeriksaan dokumen lingkungan yang menjadi
Korporasi, Kredit Produktif dan Ekuitas Tidak persyaratan wajib bagi debitur. Selain itu, mereka
Terdaftar, Real Estat Komersial, Hipotek, Pinjaman juga mempertimbangkan prestasi pengelolaan
Kendaraan Bermotor, dan Surat Utang Negara. lingkungan yang lebih luas, di luar persyaratan standar.
Beberapa sertifikat yang perlu dipertimbangkan
untuk berbagai sektor industri meliputi:
Kebijakan dan Pengawasan • PROPER untuk industri yang diwajibkan oleh
[2-23, FS1, FS2, FS3, FS10, FS11][FN-CB-410a.2] Kementerian Lingkungan Hidup (KLH).
• ISPO dan/atau RSPO untuk perusahaan kelapa
BCA menyadari pentingnya kepatuhan terhadap sawit.
peraturan dan standar lingkungan sebagai • FSC dan PEFC untuk perusahaan pengolahan kayu
bagian dari tanggung jawab sosial dan komitmen atau hutan.
keberlanjutan perusahaan. Dalam upaya mengelola • International Sustainability and Carbon
dan meminimalkan dampak lingkungan dari Certification untuk produk energi terbarukan
kegiatan bisnisnya, BCA telah mengadopsi berbagai seperti biofuel dan bioenergi.
kebijakan, termasuk kebijakan lingkungan, kebijakan • UTZ Certification untuk produk kopi dan kakao.
pembiayaan yang bertanggung jawab, serta • Sertifikasi Bangunan Hijau dari Green Building
kebijakan pembiayaan untuk sektor-sektor dengan Council Indonesia (GBCI) untuk bangunan yang
potensi risiko LST yang tinggi. Sektor-sektor tersebut ramah lingkungan.
mencakup perkebunan dan industri kelapa sawit,
tambang batu bara, pembangunan jalan tol, industri Pemeriksaan dan pertimbangan sertifikasi ini penting
kayu dan hasil hutan, serta industri semen dan besi untuk memastikan debitur memenuhi standar
baja dasar. keberlanjutan dan pengelolaan lingkungan yang
lebih baik.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 65
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Kebijakan Kredit Lingkungan
Sektor Kriteria
• Memiliki kelengkapan dokumen untuk Industri yang memanfaatkan dan mengelola sumber
kayu, legalitas sumber kayu, kegiatan usaha, serta dokumen izin lingkungan dan sosial yang
sesuai dengan perundang-undangan yang berlaku.
• Menaati peraturan perundang-undangan, peraturan pemerintah, dan kebijakan pemerintah
yang berlaku terhadap (calon) debitur, terutama yang terkait dengan keselamatan dan
kesehatan kerja, tenaga kerja, lingkungan hidup, dan tanggung jawab sosial yang berlaku.
• Memiliki kebijakan dan manajemen sistem yang jelas terkait pengelolaan lingkungan.
• Memiliki sertifikat yang terkait dengan aspek lingkungan, serta aspek kesehatan dan
Agrikultur
keselamatan kerja.
• Mencegah dan tidak melakukan pembalakan liar dalam proses bisnisnya, serta melaksanakan
pencegahan dan pengendalian kebakaran hutan dan lahan.
• Mengelola dan memperbaiki kondisi lingkungan dari aktivitas industri, baik melalui rehabilitasi
lahan, penerapan praktik pengelolaan hutan lestari, maupun upaya lainnya.
• Menggunakan bahan baku yang berasal dari hutan lestari bersertifikat.
• Melakukan upaya-upaya pengurangan dampak pencemaran lingkungan, air, udara, dan tanah
dengan mengadopsi teknik manajemen terbaik dalam pengelolaan emisi udara, air, limbah
padat, material berbahaya, dan limbah cair.
• Menghormati HAM, hak-hak masyarakat sekitar dan/atau adat, serta memastikan semua lahan
yang digunakan untuk kegiatan tidak berkonflik dan meminimalkan risiko sosial lainnya di
wilayah operasi perusahaan.
• Melakukan program pemberdayaan dan pembinaan masyarakat sekitar untuk meningkatkan
kualitas hidupnya.
• Menerapkan Persetujuan Dengan Informasi Awal Tanpa Paksaan (PADIATAPA) atau Free, Prior,
and Informed Consent (FPIC) dengan masyarakat sekitar dan/atau adat sebelum melakukan
aktivitas operasional.
• Tidak ada pembukaan lahan dengan cara pembakaran (no clearance by burning).
• Memiliki kelengkapan dokumen terkait readiness criteria, dokumen legal atas lahan yang
digunakan untuk usaha, serta dokumen izin lingkungan dan sosial yang terkait, seperti Izin
Prinsip, Izin Lokasi, Izin Usaha Perkebunan (IUP), izin Analisa Dampak Lingkungan (AMDAL),
atau Upaya Pengelolaan dan Pemantauan Lingkungan (UPL-UKL) sesuai dengan perundang-
undangan yang berlaku.
• Menaati peraturan perundang-undangan, peraturan pemerintah, dan kebijakan pemerintah
yang berlaku terhadap (calon) debitur, terutama yang terkait dengan hak asasi manusia,
tenaga kerja, lingkungan hidup, dan tanggung jawab sosial yang berlaku.
Keanegakaragaman
• Menyelesaikan proses pengurusan sertifikat tanah (Hak Guna Usaha/Hak Guna Bangunan) atas
hayati
lahan yang belum bersertifikat.
• Memperoleh sertifikasi (ISPO/RSPO/sertifikasi lainnya yang sejenis) sesuai ketentuan yang
berlaku.
• Mengadopsi prinsip No-Deforestation, No-Peat, No-Exploitation (NDPE) serta Free, Prior, and
Informed Consent (FPIC).
• Memperhatikan nilai konservasi tinggi/high conservation value (HCV) dan stok karbon tinggi/
high carbon stock (HCS) dalam kegiatan penanaman baru.
• Memiliki Standar Prosedur Operasional (SPO) Pencegahan dan Penanganan Kebakaran Lahan.
• Menerapkan praktik terbaik pengelolaan lahan gambut dan tata air, circular economy,
penggunaan energi rendah karbon, serta upaya adaptasi dan mitigasi perubahan iklim.
• Menjalin relasi yang baik dan meningkatkan kualitas hidup masyarakat lokal, salah satunya
melalui pemberdayaan sosial dan ekonomi yang efektif dan efisien.
• Memiliki kelengkapan dokumen yang diwajibkan sesuai dengan industrinya, menurut
perundang-undangan yang berlaku.
• Menaati peraturan perundang-undangan, peraturan pemerintah, dan kebijakan pemerintah
yang berlaku terhadap (calon) debitur, terutama yang terkait dengan keselamatan dan
kesehatan kerja, tenaga kerja, lingkungan hidup, dan tanggung jawab sosial yang berlaku.
• Memiliki kebijakan dan manajemen sistem yang jelas terkait pengelolaan lingkungan.
• Memiliki sertifikasi terkait aspek lingkungan, serta aspek kesehatan dan keselamatan kerja.
• Memiliki jalur dan proses pengaduan yang jelas dan transparan terkait dengan aspek LST.
• Melakukan program pemberdayaan dan pembinaan masyarakat sekitar untuk meningkatkan
Pertambangan
kualitas hidupnya.
• Melakukan upaya-upaya pengurangan dampak pencemaran lingkungan, air, udara, dan tanah
sesuai dengan ketentuan perundangan-perundangan yang berlaku.
• Mengelola dan memperbaiki kondisi lingkungan dari dampak aktivitas bisnis perusahaan,
antara lain melalui konservasi keanekaragaman hayati atau rehabilitasi lahan maupun upaya
lainnya.
• Menerapkan praktik pemanfaatan dan pengelolaan dengan meminimalkan risiko aspek
kesehatan dan keselamatan kerja, meminimalkan dan mengendalikan dampak kerusakan
lingkungan, serta menghormati dan melindungi hak-hak masyarakat sekitar dan/atau adat dan
pekerja.
Catatan:
Informasi lengkap atas kebijakan BCA terkait LST dan keberlanjutan dapat diakses pada
https://www.bca.co.id/id/tentang-bca/keberlanjutan/kebijakan-dan-standar
66 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Exclusion List [FN-CB-550a.2]
Kebijakan LST yang diterapkan dalam aktivitas pembiayaan juga mengecualikan pemberian kredit pada
kegiatan usaha yang masuk dalam daftar pengecualian (exclusion list), yaitu:
01 Pembalakan liar (illegal logging), produksi, dan perdagangan kayu atau
produk kehutanan lainnya dari hutan yang tidak dikelola secara lestari.
02 Kegiatan yang melibatkan segala macam bentuk kerja paksa atau
eksploitasi pada anak di bawah umur atau pelanggaran HAM.
03 Produksi, perdagangan, pengiriman, dan impor senjata di luar badan usaha/
institusi resmi yang mendapat izin khusus/legalitas khusus dari pemerintah.
04 Produksi, perdagangan narkotika, zat psikotropika, dan zat adiktif di luar
badan usaha/institusi resmi yang mendapat izin/legalitas dari pemerintah.
Kegiatan yang berdampak negatif pada Situs Warisan Dunia (World
05 Heritage Sites) UNESCO atau kawasan lindung nasional dan/atau
internasional.
Kegiatan yang melanggar hak-hak masyarakat setempat, seperti
06 mengambil alih kepemilikan lahan dari masyarakat adat/penduduk asli
tanpa persetujuan dari masyarakat/penduduk tersebut.
07 Perburuan dan perdagangan satwa liar atau produk satwa liar (gading,
tanduk, sirip hiu, dll).
08 Kegiatan yang berhubungan dengan perjudian dan pencucian uang.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 67
Page 70
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Iklim dan Lingkungan
Upaya membangun ketahanan iklim melalui implementasi operasi ramah lingkungan dilaksanakan BCA
bersama seluruh pekerjanya yang berperan sebagai agen perubahan (Agent of Change), guna mengurangi
mengurangi jejak karbon dari kegiatan operasional dan bisnis perbankan. Komitmen ini diperkuat dengan
Kebijakan Lingkungan internal BCA yang disahkan dalam Surat Keputusan Direksi Nomor 179/SK/DIR/2021.
Upaya pelestarian lingkungan tidak hanya diterapkan di internal BCA, tetapi juga melibatkan pemangku
kepentingan dalam rantai nilai perusahaan.
Budaya keberlanjutan telah menjadi tanggung jawab bersama
seluruh Insan BCA. Semangat #BCAforSustainability terus
dikumandangkan untuk bergerak bersama menjaga bumi dan
memitigasi risiko iklim bagi generasi mendatang. Kami terus
berfokus pada inisiatif produk dan solusi perbankan digital,
pengelolaan limbah dan inisiatif daur ulang, gedung ramah
lingkungan, serta konservasi keanekaragaman hayati untuk
mewujudkan operasi perbankan yang ramah lingkungan.
Mengelola Jejak Karbon
Mengendalikan Emisi GRK [305-1,305-2, 305-3]
BCA secara konsisten mengumpulkan, melengkapi, dan memantau data emisi perusahaan dalam upaya
menjaga dan meningkatkan kualitas pelaporan serta mengukur kinerja penurunan emisi GRK Bank. Sehingga,
dalam upaya penyempurnaan penghitungan emisi GRK perusahaan, pembaca akan menemukan penyajian
data baru dan/atau penyajian ulang (restatement) data. BCA mengukur dan mengelola emisi Cakupan 1, 2, dan
3 yang dihasilkan dari operasional dan pembiayaan. Emisi operasional 2024 sebesar 349,7 ribu tCO2eq dan
emisi pembiayaan 2023 sebesar 28,9 juta tCO2eq.
Inventarisasi emisi GRK berkaitan dengan operasional perbankan yang kami lakukan, mengacu pada
metodologi yang diakui secara internasional serta selaras dengan Greenhouse Gas Protocol (GHG Protocol)
dan Kalkulator Hijau Indonesia yang dipublikasikan oleh Bank Indonesia. Detail metodologi penghitungan emisi
operasional sebagai berikut:
• Stasioner dan Mobile: Dihitung berdasarkan pembelian serta pemakaian
bahan bakar dengan acuan faktor emisi dari Kalkulator Hijau Bank Indonesia
Emisi Cakupan 1
dan dilengkapi dengan DEFRA 2023.
• Fugitive: Dihitung melalui estimasi kebocoran freon yang tidak dapat
dihindari, mengacu pada Intergovernmental Panel on Climate Change
(IPCC) Guidelines AR5.
• Berdasarkan konsumsi listrik BCA yang dihitung sesuai dengan regulasi dan
Emisi Cakupan 2
ketentuan Kementerian ESDM, selaras dengan faktor emisi dari Kalkulator
Hijau Bank Indonesia.
• Perhitungan dilakukan dengan metode yang bervariasi tergantung pada
Emisi Cakupan 3 kategori dan jenis data. Faktor emisi yang digunakan berasal dari Kalkulator
Hijau Bank Indonesia, DEFRA 2023, US EPA Supply Chain v 1.2, dan ESDM 2019.
Keterangan:
Emisi GRK yang masuk dalam perhitungan sesuai dengan sumber faktor emisi yang digunakan, mencakup gas seperti CO2, CH4, N2O, SF6,
HFCs, PFCs, NF3.
68 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 71
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Inventarisasi Emisi GRK Operasional BCA [305-1,305-2, 305-3]
Emisi GRK (tCO2eq) 2024 a) 2023 b) 2022 c)
Cakupan 1
Pembakaran stasioner 778,7 769,9 416,0
Pembakaran mobile 10,8 7,0 -
Emisi fugitive 3.861,1 4.060,1 390,0
TOTAL 4.650,6 4.837,0 806,0
Cakupan 2
Listrik yang dibeli 139.855,6 136.481,3 137.019,0
Cakupan 3
Kategori 1. Barang dan jasa yang dibeli 79.367,6 58.932,1 -
Kategori 2. Barang modal 56.881,3 31.455,4 -
Kategori 3. Aktivitas terkait bahan bakar dan energi (tidak
20.853,9 20.396,3 411,0
tercakup dalam cakupan 1 & 2)
Kategori 5. Limbah yang dihasilkan dalam operasi 2.325,3 2.336,8 4.547,0
Kategori 6. Perjalanan bisnis 10.704,9 12.396,4 -
Kategori 8. Aset disewa di hulu 34.306,1 42.586,2 -
Kategori 12. Penanganan pada akhir masa pakai produk terjual 795,5 668,0 -
TOTAL 205.234,6 168.771,2 4.958,0
Total Emisi (GRK Cakupan 1 + 2 + 3) 349.740,8 310.089,5 142.783,0
Keterangan:
a) Penghitungan dilakukan dengan mengekstrapolasi data bulan Januari-Oktober 2024 untuk 100% Kantor Pusat, Data Center, dan
Kantor Cabang.
b) Emisi operasional 2023 disajikan kembali (restatement) untuk menyesuaikan dengan pengembangan metodologi penghitungan dan
faktor emisi yang digunakan, sesuai dengan Kalkulator Hijau Indonesia.
c) Cakupan data tahun 2022 dari Kantor Pusat, Data Center, 120 KCU, dan 730 KCP.
Intensitas Emisi Operasional Cakupan 1 dan 2 [305-4]
Uraian 2024 2023 2022
Emisi cakupan 1 + 2 (tCO2eq) 144.506,2 141.318,3 137.825,0
Intensitas emisi (tCO2eq/miliar Rupiah pendapatan operasional) 1,3 1,4 1,6
Intesitas Emisi YoY (%) 7,0 11,1 23,0
Inventarisasi emisi GRK dari pembiayaan Bank diukur sesuai dengan guideline yang dipublikasikan oleh OJK
melalui panduan Climate Risk Management & Scenario Analysis (CRMS), memuat 6 sektor prioritas yang
telah ditentukan OJK berdasarkan kategori sektor Antasena, mencakup lebih dari 50% outstanding kredit
produktif perusahaan di tahun 2023, dan meliputi mayoritas dari total emisi pembiayaan absolut perusahaan.
[FN-CB-410b.3]
Metodologi penghitungan yang digunakan selaras dengan tier kualitas data yang diberikan oleh OJK sebagai
berikut:
Tier 1 Tier 2 Tier 3 Tier 4
Menggunakan informasi Menggunakan informasi Menggunakan estimasi Menggunakan estimasi dari
emisi debitur yang emisi debitur yang bersifat berdasarkan informasi data lainnya (Faktor Emisi
didapatkan secara publik (Laporan Tahunan, pendukung dari debitur per Sales Revenue dari
langsung dari debitur Laporan Keberlanjutan, dll.) (konsumsi energi, jumlah perusahaan sejenis, dll.)
produksi, dll.)
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 69
Page 72
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Sesuai dengan tier kualitas tersebut, serta ketersediaan data BCA, kami menggunakan Tier 2 dan Tier 4
dalam melakukan inventarisasi emisi pembiayaan perbankan. Dalam menggunakan Tier 4, metodologi dari
Partnership for Carbon Accounting Financials (PCAF) digunakan sebagai acuan perhitungan. Hal ini dilakukan
guna memastikan penghitungan Tier 4 dilakukan dengan konsisten dan terstruktur, sesuai dengan standar
yang berlaku secara internasional. [FN-CB-410b.4]
Inventarisasi Emisi GRK Pembiayaan BCA [305-1,305-2, 305-3]
2023
Emisi GRK Emisi Absolut Intensitas Emisi
(juta tCO2eq) (tCO2eq/juta Rupiah)
Pertambangan dan Penggalian 1,7 0,11
Industri Pengolahan 23,3 0,13
Pengadaan Listrik, Gas, Uap/Air Panas, dan Udara Dingin 0,4 0,03
Pertanian, Kehutanan, dan Perikanan 2,1 0,06
Pengangkutan dan Pergudangan 0,8 0,03
Konstruksi 0,6 0,02
TOTAL 28,9 -
Keterangan:
• Penghitungan dilakukan berdasarkan data 2023 berhubungan dengan ketersediaan data yang ada.
• Intensitas emisi dihitung berdasarkan outstanding dari masing-masing sektor pembiayaan, sesuai dengan metodologi Partnership for
Carbon Accounting Financials (PCAF).
Transisi Menuju Operasi Ramah Lingkungan
Upaya penyempurnaan inventarisasi emisi GRK Perusahaan menjadi acuan bagi Bank untuk menerapkan
berbagai upaya transisi menuju operasi ramah lingkungan, selaras dengan komitmen kami dalam menerapkan
prinsip keberlanjutan dalam berbagai kegiatan bisnis dan operasi perbankan.
Mengoptimalkan Teknologi Digital
BCA terus meningkatkan kapabilitas digital untuk mendukung akselerasi perbankan digital yang tumbuh
pesat setiap tahun. Sebanyak 99,8% transaksi nasabah telah dilakukan melalui kanal digital. Di samping itu,
kanal-kanal digital terus diperkaya dengan berbagai fitur yang mampu menjawab kebutuhan nasabah dan
ekosistem dengan cara yang aman dan nyaman seperti poket valas, paylater BCA, myBCA worldwide access,
dll. Keandalan digitalisasi transaksi perbankan mendorong pertumbuhan jumlah nasabah menjadi 33,1 juta
(meningkat 8% YoY) dengan jumlah transaksi rata-rata mencapai 98,4 juta/hari (meningkat 21% YoY).
Akselerasi perbankan digital juga diimbangi dengan penerapan digital workplace. BCA mengoptimalkan
teknologi digital yang memaksimalkan berbagai fitur digital dalam kegiatan operasional internal perusahaan.
Inisiatif ini mencakup penerapan digital approval mechanism, work from hub, IT Hub, dan shared desk untuk
menciptakan fleksibilitas kerja. Digital workplace mampu mengurangi penggunaan kertas serta mendukung
efisiensi sumber daya. BCA juga melakukan sinergi dengan entitas anak melalui shared services untuk
meningkatkan kualitas layanan dan menciptakan kolaborasi yang lebih efektif antar unit. Dengan langkah-
langkah ini, BCA tidak hanya meningkatkan produktivitas, tetapi juga memperkuat ekosistem digital guna
mendukung transformasi perusahaan. Melalui berbagai upaya akselerasi perbankan digital, pada 2024 BCA
berpotensi menurunkan 2.272 tCO2eq emisi GRK.
Menggunakan Energi dengan Bijak
Pada tahun 2024, meski konsumsi energi listrik BCA meningkat dibandingkan tahun sebelumnya, BCA berhasil
menurunkan intensitas pemakaian energi listrik per luas ruangan mencapai 139 kWh/m2 per tahun, tergolong dalam
kategori "Efisien" berdasarkan standar SNI 03-6196-2000 tentang Intensitas Konsumsi Energi Gedung Indonesia.
70 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 73
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Berbagai upaya efisiensi dan penghematan energi diimplementasikan oleh BCA guna mencerminkan komitmen
kami dalam mencapai serta mempertahankan efisiensi konsumsi energi di tengah konsistensi kami dalam melakukan
perluasan operasional dan bisnis perbankan. Upaya penghematan energi pada tahun 2024 dilaksanakan melalui
berbagai program seperti partisipasi 946 gedung kantor pusat dan cabang dalam inisiatif Earth Hour, pemasangan
dan pemanfaatan panel surya, serta optimalisasi cooling containment di seluruh Data Center BCA.
Intensitas Energi Listrik berdasarkan Luas Bangunan [302-1, 302-3]
Uraian 2024 2023 2022
Jumlah pemakaian listrik (kWh) 177.032.383 172.492.313 156.040.072
Luas bangunan (m2) 1.269.905 1.122.130 1.121.385
Intensitas penggunaan energi per luas ruangan (kWh/m ) 2
139 154 139
Keterangan:
Perhitungan pemakaian listrik 2024 dilakukan dengan mengekstrapolasi data bulan Januari-Oktober 2024.
Intensitas Energi Listrik berdasarkan Jumlah Pekerja [302-1, 302-3]
Uraian 2024 2023 a) 2022
Jumlah pemakaian listrik (kWh) b) 177.032.383 172.492.313 156.040.072
Jumlah pekerja 26.532 26.915 19.413
Intensitas penggunaan energi per jumlah pekerja (kWh/pekerja) 6.672 6.409 8.038
Keterangan:
a) Intensitas penggunaan energi 2023 disajikan kembali (restatement) karena adanya penyesuaian jumlah pekerja.
b) Perhitungan pemakaian listrik 2024 dilakukan dengan mengekstrapolasikan data bulan Januari-Oktober 2024.
Intensitas Energi Listrik berdasarkan Jumlah Transaksi [302-1, 302-3]
Uraian 2024 2023 2022
Jumlah pemakaian listrik (kWh) 177.032.383 172.492.313 156.040.072
Jumlah transaksi (juta) 36.016 29.888 23.877
Intensitas penggunaan energi per jumlah transaksi (kWh/jumlah 0,005 0,006 0,007
transaksi)
Keterangan:
Perhitungan pemakaian listrik 2024 dilakukan dengan mengekstrapolasi data bulan Januari-Oktober 2024.
Pemakaian Bahan Bakar untuk Operasional Perusahaan [302-1]
Uraian 2024
Jumlah pemakaian BBM (liter bensin) 873.629,6
Jumlah pemakaian BBM (liter solar) 451.618,1
Total konsumsi bahan bakar (liter) 1.325.247,7
Keterangan:
Jumlah BBM 2024 dilakukan dengan mengekstrapolasi data bulan Januari-Oktober 2024.
Panel Surya di BCA
27 881,1 kWp 507,7 kWh 401,1 ton CO2eq
Gedung kantor BCA Total kapasitas peak Energi terbarukan Potensi pengurangan
telah terpasang keseluruhan panel dimanfaatkan selama emisi pemanfaatan
panel surya surya di BCA 2024 * energi terbarukan
Keterangan:
*) Pemanfaatan energi terbarukan selama Januari-Oktober 2024.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 71
Page 74
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Menggunakan Air dengan Bijak [303-1, 303-2]
Kami memperoleh pasokan air bersih untuk operasional kantor dari PDAM dan perusahaan air lokal. Untuk menjaga
ketersediaan air, BCA mengupayakan penggunaan air secara efisien dengan merawat instalasi air, menggunakan
keran hemat air, eco-washer, pemasangan rain harvest tank, dan menjalankan kampanye hemat air.
BCA juga menerapkan konservasi air dengan memasang Instalasi Pengolahan Air Limbah (IPAL) di beberapa
gedung yang dikelola sendiri. Air yang diolah digunakan untuk kebutuhan nonhigienis, seperti penyiraman
tanaman dan flushing toilet. Air limbah domestik yang dihasilkan telah memenuhi baku mutu dan tidak
mengandung senyawa berbahaya, sehingga tidak berdampak negatif pada lingkungan. Selama tahun 2024,
tidak ada insiden tumpahan dan atau kebocoran air limbah, bahan kimia, atau limbah cair B3 di area kantor BCA.
Jumlah Pemakaian Air (m3)
492.516 403.748 302.646
2024 a)
2023 b)
2022 c)
a)
Data penggunaan air diekstrapolasikan dari Januari-Oktober 2024 dan 64% gedung kantor BCA
b)
Data penggunaan air tahun 2023 mencakup Kantor Pusat dan 122 Kantor Cabang BCA
c)
Data penggunaan air tahun 2022 mencakup Kantor Pusat dan 100 Kantor Cabang BCA
Bangunan Ramah Lingkungan
Kontribusi kami dalam memitigasi risiko iklim juga diwujudkan melalui pembangunan gedung ramah lingkungan.
Kami memiliki 78 gedung kantor dengan konsep green building per 2024. Green building telah memanfaatkan
fitur-fitur ramah lingkungan, seperti:
• Terpasang lampu LED untuk mengurangi konsumsi listrik.
• Terdapat pengaturan jadwal operasional AC, lampu, lift, komputer, dan perangkat elektronik lainnya.
• Terpasang AC tipe R22 jenis ramah lingkungan.
• Memanfaatkan energi terbarukan dengan memasang panel surya.
• Menerapkan daur ulang limbah melalui kolaborasi dengan bank sampah.
• Menggunakan water cooled chiller dengan efisiensi tinggi.
• Terpasang potable tap water untuk mengurangi penggunaan air minum kemasan.
• Tersedia Stasiun Pengisian Kendaraan Listrik Umum (SPKLU).
• Terdapat Sewage Treatment Plant (STP) serta rain harvest tank.
• Pemeliharaan preventif dan korektif terhadap konsumsi listrik, air, dan refrigerant.
Green Building di BCA
Pada 2024, BCA memiliki 2 bangunan dengan sertifikasi green building dengan
menerapkan berbagai teknologi modern dan ramah lingkungan seperti water-cooled
chiller, Building Automation System (BAS), double glass low-e, serta fasilitas potable
tap water. Gedung-gedung ini juga dilengkapi dengan sistem lift variable voltage
variable frequency (VVVF), sensor CO & CO2, optimalisasi pencahayaan alami, tangga
internal, ruang kerja terbuka, dan Stasiun Pengisian Kendaraan Listrik Umum (SPKLU).
Wisma BCA Foresta
Certification for Green Mark Super Low Energy Building,
2024
Building and Construction Authority Singapore
Winner of Energy Efficient Building,
2023
ASEAN Energy Award
Winner of Energy Efficient Building,
2022
Subroto Award (Kementerian ESDM)
Platinum Certification for Green Building,
2021
Green Building Council Indonesia (GBCI)
Wisma BSB Semarang
Platinum Certification for Green Building,
2024
Green Building Council Indonesia (GBCI)
72 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 75
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Mengelola Limbah Operasional [306-1,306-2, 306-3, 306-4]
BCA menjalankan berbagai aksi operasi ramah lingkungan dalam rangka mengurangi dampak negatif dari
kegiatan operasionalnya. Di antaranya adalah melalui penerapan inisiatif pengelolaan limbah yang secara
konsisten diperluas ke Jabodetabek dan wilayah lain. BCA tidak hanya memperhatikan dampak lingkungan
dari kegiatannya bisnisnya, BCA juga menyadari potensi dampak sosial yang dapat diberikan dari inisiatif
pengelolaan limbah tersebut melalui penyaluran nilai ekonomis pengelolaan limbah kepada Yayasan Bakti
BCA untuk mendukung dan meningkatkan taraf pendidikan bagi anak pekerja yang membutuhkan. Sepanjang
2024, aksi daur ulang limbah BCA dilaksanakan dengan berkolaborasi bersama berbagai mitra UMKM telah
membawa berbagai dampak positif.
Capaian Pengelolaan Limbah Operasional BCA 2024
956.995
kg CO2
Rp 489,6
juta
Penghindaran Emisi Sumbangan Beasiswa
Catatan:
Data potensi dampak lingkungan dan sosial dari pengelolaan limbah mengacu pada sebagian inisiatif tertera.
Jenis Limbah Jumlah Hasil Daur Ulang
Limbah Arsip 410,3 Ton Bubur Kertas
Limbah Cartridge ATM 60,3 Ton Biji Plastik, Biji Besi
Limbah Mesin EDC dan
Token KeyBCA 37,0 Ton Biji Plastik, Biji Besi
Limbah Anorganik 25,4 Ton Bubur Kertas, Biji Plastik
Plastik Bungkus Uang 22,8 Ton Biji Plastik
Limbah Kartu dan ID Card 11,7 Ton Paving Blok
Limbah Organik 5,5 Ton Bubur Kertas, Biji Plastik
Limbah Material Bangunan 2,3 Ton Biji Besi
inventarisasi kabel (patch cord, patch panel, adaptor terminal) dan
Optimalisasi Penggunaan Aset
memeriksa umur aset untuk memaksimalkan pemanfaatannya.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 73
Page 76
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
BCA berkomitmen untuk senantiasa berinovasi dan mengembangkan berbagai inisiatif ramah lingkungan
yang turut melibatkan pemangku kepentingan, khususnya pekerja dan nasabah. Upaya ini dilakukan untuk
mendorong terbentuknya gaya hidup berkelanjutan yang berlaku di lingkungan kerja dan kehidupan sehari-
hari.
Inisiatif peningkatan awareness Green Lifestyle kepada nasabah dan pekerja BCA
Green Champion Program Daur ulang kalender BCA Amplop daur ulang BCA
12,9 Ton 4,8 Ton
limbah rumah tangga limbah kalender
Kampanye yang mengajak Insan Melalui inisiatif operasi yang Kertas arsip yang telah habis
BCA untuk mengumpulkan, bertanggung jawab, BCA masa retensinya dihancurkan
memilah, dan mendaur ulang mengajak seluruh karyawan dan dan diolah kembali menjadi
limbah rumah tangganya. nasabah untuk turut serta dalam amplop daur ulang yang dapat
Limbah yang dapat dikelola program pengumpulan kalender dimanfaatkan oleh karyawan
terdiri dari plastik, kaca, minyak tahun yang telah berlalu untuk dan nasabah, guna mendukung
jelantah, kaleng, kertas, popok, didaur ulang dan didayagunakan penerapan ekonomi sirkular dan
dan lainnya. kembali. gaya hidup berkelanjutan.
BCA Sustainability Corner
Menjadi bagian dari Galeri BCA Learning Institute (BLI), BCA Sustainability Corner dibangun dengan misi untuk
memperkenalkan perjalanan keberlanjutan BCA, serta meningkatkan kesadaran dan kapasitas para Insan BCA,
mitra, nasabah, dan pemangku kepentingan untuk berperan aktif dalam mengedepankan prinsip LST. Tidak
hanya menceritakan berbagai aksi ramah lingkungan dan penerapan ekonomi sirkular yang telah dilakukan oleh
BCA, kami juga berupaya untuk berkarya melalui pemanfaatan limbah operasional BCA menjadi karya seni yang
bernilai. Melalui kolaborasi dengan seniman Indonesia dan mitra lokal, limbah tersebut diproses menjadi instalasi
seni yang tidak hanya memperkaya makna keberlanjutan, tetapi juga menginspirasi serta mengajak pemangku
kepentingan untuk turut berkontribusi dalam menjaga kelestarian lingkungan dan memperkuat kesadaran kolektif
akan pentingnya keberlanjutan.
74 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 77
O3
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Penge
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Pen ggan
Pelan
Page 78
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Tanggung Jawab Produk dan
Jasa Keuangan Berkelanjutan
Inovasi dan Pengembangan Penilaian atas Produk dan Jasa
Produk dan/atau Jasa Keuangan Keuangan
Berkelanjutan
Seluruh produk dan/atau jasa keuangan yang
Pengembangan inovasi untuk Keuangan Berkelanjutan akan diluncurkan wajib mendapatkan persetujuan
di BCA saat ini dikelola oleh product specialist di dari Bank Indonesia dan OJK. BCA memiliki Divisi
masing-masing unit bisnis kredit, yaitu Grup Corporate Pengembangan Produk Transaksi Perbankan (DPD)
Banking, Transaction & Finance, Commercial & SME dan Operation Strategy & Development Group (POL)
Banking Division serta Divisi Bisnis Kredit Konsumer. yang bertanggung jawab dalam mengelola dan
Ketiga unit bisnis ini berperan penting dalam mengembangkan produk serta layanan keuangan
menciptakan dan mengembangkan berbagai produk BCA. Setiap produk dan layanan keuangan yang
Keuangan Berkelanjutan yang tidak hanya bertujuan akan diluncurkan dievaluasi oleh pemilik produk
untuk memenuhi kebutuhan nasabah, tetapi juga melalui proses penilaian risiko yang dilakukan oleh
mendukung keberlanjutan lingkungan dan sosial. Risk Management Division (MRK), diikuti dengan uji
Dengan pendekatan yang terintegrasi, setiap unit kepatuhan oleh Compliance Division (DCP), serta
berupaya memberikan solusi keuangan yang inovatif, pengawasan oleh Direktur Kepatuhan. Selain itu, Bank
ramah lingkungan, dan memberikan nilai tambah, baik juga melakukan user acceptance test dan sertifikasi.
bagi perusahaan maupun masyarakat luas. Langkah
ini menjadi komitmen BCA untuk terus mendorong Sepanjang tahun 2024, tidak terdapat produk dan/atau
pertumbuhan yang berkelanjutan dan sejalan dengan jasa keuangan yang ditarik kembali setelah launching.
prinsip pengelolaan lingkungan, sosial, dan tata kelola
(LST) yang baik.
Dampak Penerapan Keuangan
Berkelanjutan
Kebijakan Periklanan yang Adil
Sepanjang menerapkan Keuangan Berkelanjutan, BCA
Kami memiliki kebijakan komunikasi pemasaran dan tentunya menyadari adanya dampak positif dan negatif
periklanan yang tertuang dalam Surat Keputusan Direksi yang ditimbulkan dari produk dan/atau jasa Keuangan
No. 156/SK/DIR/2024 tentang Pelindungan Konsumen. Berkelanjutan dan proses distribusinya. Masih banyak
Kebijakan ini mengharuskan informasi produk dan tantangan dalam menerapkan Keuangan Berkelanjutan
layanan disampaikan dengan jujur, berdasarkan data karena tidak semua lapisan masyarakat memiliki
yang akurat mengenai manfaat, biaya, dan risiko. Bank pemahaman yang sama. Selain itu, kesiapan dari setiap
memastikan bahwa informasi yang disampaikan tidak individu, baik pelanggan, mitra kerja, serta pekerja Bank
menyesatkan dan menghindari perbedaan penafsiran juga menjadi tantangan, karena mereka perlu terus
antara nasabah dan Bank mengenai ketentuan yang ada menerus menerima pembekalan, sosialisasi, maupun
dalam perjanjian. pelatihan. BCA berupaya untuk meningkatkan dampak
positif serta menyiapkan mitigasi untuk menanggulangi
BCA memastikan bahwa seluruh informasi produk dan dampak negatif yang mungkin timbul.
layanan disampaikan dengan etis, sesuai dengan prinsip
perilaku yang berlaku umum. Dalam merilis iklan, BCA Beberapa dampak positif dari Keuangan Berkelanjutan
selalu memperhatikan dan melindungi kepentingan di antaranya meningkatnya kesadaran terhadap
pelanggan serta masyarakat untuk mengurangi kegiatan usaha ramah lingkungan, pemberdayaan
potensi sengketa di kemudian hari. Materi pemasaran UKM, memperluas akses keuangan yang inklusif,
produk dan layanan perbankan melalui media digital serta pengurangan ketimpangan dalam hal literasi
disesuaikan dengan kode etik periklanan dan peraturan keuangan. Sementara itu, dampak negatif yang perlu
yang berlaku. Di tahun 2024, tidak ada insiden dimitigasi di antaranya adalah potensi adanya informasi
ketidakpatuhan terkait komunikasi pemasaran. greenwashing, sehingga diperlukan verifikasi oleh
pihak independen.
76 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 79
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Digitalisasi dan
Kemudahan Solusi
Pemanfaatan teknologi terkini oleh BCA dalam inklusi keuangan. Dengan adanya kemudahan ini,
digital banking membantu nasabah melakukan BCA semakin memantapkan posisinya sebagai bank
transaksi finansial maupun nonfinansial dengan lebih yang berfokus pada teknologi dan keberlanjutan.
mudah dan efisien. Selain meningkatkan efisiensi
waktu, inovasi ini juga memberikan dampak positif Solusi bisnis perbankan komprehensif yang
bagi lingkungan, seperti pengurangan penggunaan ditawarkan oleh BCA melalui pendekatan B2B2C
kertas dan jejak karbon akibat mobilitas nasabah ke dan B2C, yang terus berkembang untuk memenuhi
cabang. kebutuhan nasabah korporat maupun merchant.
Dalam konteks B2B2C, BCA menyediakan platform
Pada tahun 2024, BCA terus mengembangkan perbankan bisnis online yang membantu perusahaan
perbankan digital untuk memberikan kemudahan dalam mengelola pembayaran, pengumpulan dana,
dan efisiensi bagi nasabah. Beberapa inovasi pembiayaan, serta informasi keuangan secara real-
yang dilakukan termasuk pengembangan layanan time. Kemudahan ini diwujudkan melalui fitur seperti
myBCA, yang kini dilengkapi dengan fitur-fitur baru pembayaran massal, pembayaran utilitas dan pajak,
seperti Poket Valas, Wealth Management, Paylater, transfer valuta asing, serta pembayaran gaji. Di
dan QRIS cross border, memberikan pengalaman sisi pengelolaan piutang, BCA menawarkan solusi
perbankan yang lebih lengkap dan praktis. Selain multi-channel dengan Virtual Account, permintaan
itu, BCA meningkatkan digital payment solutions pembayaran, serta otomatisasi pengumpulan dana.
seperti OneKlik, Sakuku, dan Virtual Account, serta Informasi bisnis dapat dikelola secara real-time
memperkenalkan lebih banyak fitur untuk e-channel dengan dasbor bisnis, analitik, ringkasan arus kas,
seperti KlikBCA, BCA Mobile, dan MyBCA. BCA juga serta laporan portofolio dan e-statement yang
menyediakan Merchant Apps untuk mendukung memudahkan pengambilan keputusan strategis
digitalisasi solusi bisnis. perusahaan.
Dalam segmen B2C, BCA memperluas ekosistem
penerimaan pembayaran dengan menyediakan
Frekuensi Transaksi digital (juta) jaringan point-of-sale (POS) merchant yang ekstensif
serta aplikasi merchant untuk mempermudah akuisisi
35.927 dan layanan merchant. Dengan jaringan pembayaran
yang luas, BCA mendukung lebih dari 40 juta akun
29.794 untuk pembayaran online maupun offline di dalam
dan luar negeri dengan menggunakan kartu debit,
kredit, kode QR, dan pembayaran nirsentuh. Inovasi
23.776 ini juga mencakup aplikasi merchant BCA yang
telah menyumbang sekitar 65% proses onboarding
merchant baru serta peningkatan frekuensi
transaksi kode QR sebanyak 2,7 kali lipat dari tahun
2022 2023 2024 sebelumnya. Tidak hanya mempermudah transaksi
di segmen B2C, BCA juga terus berinovasi untuk
memperluas dan mengoptimalkan layanan B2B2C
BCA juga memperluas layanan digital di kantor demi mendukung kebutuhan bisnis yang dinamis.
cabang dengan ATM, CS Digital, eService, dan sistem
reservasi, dan Video Banking yang memungkinkan Inovasi ini memperluas saluran distribusi tanpa
nasabah melakukan berbagai transaksi secara cabang, mempermudah akses nasabah, serta
mandiri dan efisien. Inovasi ini mendukung tujuan BCA mendukung inklusi keuangan dan komitmen BCA
untuk mempermudah akses keuangan, mengurangi terhadap layanan yang berkelanjutan dan inovatif.
penggunaan formulir cetak, dan meningkatkan
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 77
Page 80
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pelayanan yang Setara
Setiap Insan BCA bertanggung jawab untuk memberikan pelayanan prima sesuai standar SMART SOLUTION
(Sigap, Menarik, Antusias, Ramah, Teliti, Simak, Open mind, Lengkap, Utamakan nasabah, Telling solution,
Inisiatif, dan On-time follow up), guna meningkatkan kepercayaan dan kepuasan nasabah. Pendekatan ini
diterapkan di seluruh BCA.
BCA mewajibkan seluruh pekerjanya untuk memberikan pelayanan yang setara dan menghormati hak asasi
manusia kepada setiap pelanggan, baik individu maupun organisasi. Kesetaraan diberlakukan untuk seluruh
segmen konsumen mencakup korporasi, komersial, UKM, dan individu. Untuk meningkatkan kemampuan
pelayanan, BCA menyediakan berbagai pelatihan, seperti pengetahuan produk, keamanan siber, etika
komunikasi, dan materi relevan lainnya. Peningkatan kemampuan pelayanan ini dilakukan secara berkala
setiap tahunnya untuk memastikan layanan tetap di atas standar dan sesuai dengan perkembangan customer
behavior.
Layanan yang inklusif menjadi salah satu komitmen BCA dalam memberikan
pelayanan terbaik bagi masyarakat.
Hybrid Banking
BCA menggabungkan layanan kantor cabang, customer experience, dan digitalisasi dalam konsep hybrid
banking untuk memenuhi kebutuhan nasabah secara online dan offline. Meskipun digitalisasi berkembang,
kantor cabang tetap penting, dan BCA terus mengembangkan pekerja frontliner untuk memberikan layanan
optimal. Transformasi menjadi cabang digital juga fokus pada penguatan hubungan personal dengan nasabah,
menjadikan keduanya sebagai pilar utama pengembangan layanan BCA.
Pelayanan di kantor cabang BCA dirancang untuk meningkatkan efisiensi waktu transaksi. Nasabah dapat
melakukan reservasi melalui eBranch untuk mengurangi waktu tunggu. Selain dilengkapi dengan Cash
Recycling Machine (CRM), cabang juga memiliki CS Digital untuk cetak dan ganti kartu ATM, memungkinkan
nasabah melakukan transaksi secara mandiri. Hal ini meningkatkan peran frontliner dalam membangun
hubungan dengan nasabah, mengedukasi solusi keuangan, dan penyelesaian transaksi yang lebih aman dan
nyaman.
78 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 81
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Penanganan Pengaduan Pelanggan
Mekanisme Penanganan Pengaduan [2-25]
BCA mengelola proses penanganan pengaduan melalui berbagai saluran, seperti Halo BCA (Aplikasi haloBCA
Mobile/telepon ke 1500888) dan kantor cabang BCA. Setiap pengaduan akan diselesaikan sesuai dengan
Service Level Agreement (SLA). Pengaduan yang diterima akan diadministrasikan pada aplikasi Customer
Relationship Management (CRM), yang akan ditindaklanjuti dan dimonitor oleh unit kerja koordinator
penanganan pengaduan di bawah Divisi Contact Center & Digital Services (CDG). Proses penanganan
pengaduan akan dilaporkan kepada Wakil Presiden Direktur secara triwulan.
Alur Pengaduan dan Penyelesaiannya
01 02 03
Verifikasi kebenaran
Pembuatan tanda
data nasabah sesuai
Nasabah/Pelapor terima bukti
ketentuan yang
pengaduan
berlaku
Penerimaan & Pencatatan
Pengaduan
Eskalasi?
Media Pengaduan
Nasabah Tidak
Ya
• Telepon/Halo BCA
Apps/Sosial media/
E-mail ke haloBCA Eskalasi ke Unit
• Media/Surel ke Biro
Solusi ke Terkait:
Corporate Penyelesaian Nasabah • Halo BCA
Communication
• Walk-in ke kantor
Pengaduan • Unit Kerja Terkait
cabang BCA
02 01
Penyelesaian Pengaduan
Jumlah Pengaduan Pengaduan Diselesaikan Persentase Penyelesaian
Tahun
(dalam ribu) sesuai SLA (dalam ribu) (%)
2024 1.178 1.148 97,4%
2023 1.261 1.226 97,3%
2022 1.082 1.061 98,1%
Penerimaan laporan nasabah yang diterima BCA selama tahun 2024 sebanyak 17,5 juta laporan (55,7%) berupa
kebutuhan informasi solusi perbankan, 12,1 juta laporan (38,5%) berupa pengajuan request, 1,8 juta laporan
(5,8%) keluhan, dan 0,002 juta laporan (0,01%) pemberian saran. Untuk meningkatkan kepuasan nasabah,
BCA menerapkan kualitas layanan dan mengedukasi nasabah tentang penggunaan solusi perbankan serta tips
keamanan bertransaksi.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 79
Page 82
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Penanganan Pengaduan yang Berkaitan dengan Finansial
BCA secara rutin melaporkan penanganan pengaduan perihal sistem pembayaran kepada Bank Indonesia
(BI) setiap triwulan dan pengaduan finansial kepada Otoritas Jasa Keuangan (OJK) setiap semester. Laporan
tersebut mencakup Laporan Penanganan dan Penyelesaian Pengaduan Nasabah (Antasena-BI), Laporan
Pelayanan dan Penyelesaian Pengaduan Konsumen (siPeduli-OJK), serta Laporan Penanganan Pengaduan
Konsumen Terkait Penyetoran dan/atau Penarikan Uang kepada Bank Indonesia (BI).
Apabila nasabah menolak tanggapan pengaduan dari BCA, maka nasabah dapat mengajukan mediasi melalui
Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan (LAPS-SJK) sesuai dengan Peraturan OJK
No. 22 Tahun 2023 tentang Pelindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan oleh Otoritas
Jasa Keuangan.
Survei Kepuasan Nasabah
BCA berkomitmen untuk memberikan layanan prima dengan fokus pada service excellence dan customer
engagement. Menurut survei Gallup International, Customer Engagement BCA pada tahun 2024 mencapai
skor di atas rata-rata global (91st percentile). Selain itu, BCA juga mengukur Branch Service Quality (BSQ)
dengan bekerja sama dengan pihak ketiga independen untuk memastikan kualitas layanan di setiap cabang.
Survei Customer Engagement Survei Branch Service Quality
4,77 4,75 4,73 4,88 4,88 4,86
2024 2023 2022 2024 2023 2022
BCA berhasil mendapat penghargaan Customer Engagement Gallup
Global (di atas 90th persentil) pada tahun 2021-2024.
80 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 83
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Akses dan Keterjangkauan
Akses ke Fasilitas Perbankan relationship yang optimal kepada nasabah potensi
BCA, Contact Center & Digital Services (CDG)
Akses Informasi Produk dan Layanan menyediakan layanan Solution Assistant (SOLA).
BCA mendukung inklusi keuangan dengan
memperluas akses produk dan layanan perbankan Akses Kantor Cabang dan Sarana
melalui strategi digital banking yang didukung Layanan Perbankan
teknologi canggih yang dapat diakses kapan pun Untuk memudahkan nasabah melakukan transaksi
dan di mana pun. Informasi lengkap dan transparan fisik, BCA menyediakan akses berupa kantor cabang
mengenai produk dan layanan, termasuk manfaat, dan fasilitas layanan yang tersebar di seluruh
biaya, bunga, dan persyaratan, tersedia di situs resmi Indonesia, serta kantor perwakilan di Singapura.
www.bca.co.id, aplikasi myBCA, dan kantor cabang. Untuk menjamin keamanan dan kenyamanan
nasabah saat bertransaksi, BCA menjaga integritas
Secara rutin kami menyampaikan informasi terkini aset gedung dan infrastruktur pendukung. Selain
melalui berbagai platform, termasuk media sosial, itu, pemeliharaan rutin juga dilakukan pada mesin
dan situs web bca.co.id. Untuk interaksi langsung, ATM dan EDC untuk memastikan kelancaran layanan
nasabah dapat menghubungi Halo BCA untuk transaksi nasabah.
mendapatkan informasi yang dibutuhkan. Selain itu,
dalam upaya memberikan layanan dan meningkatkan
Sebaran Jaringan Kantor Cabang BCA
138 Kantor
Cabang Utama (KCU)
36
Provinsi
906 Kantor
Cabang Pembantu (KCP)
238
Kota/Kabupaten
220 Kantor
Kas (KCP-Kas)
Sebaran Jaringan Elektronik BCA
19.543ATM 699.466 EDC
di 273 kota di 481 Kota
myBCA Store
tersebar di 10 kota
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 81
Page 84
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Akses untuk Penyandang Disabilitas Inklusi Keuangan
[FS14, FS15] [FS13, FS14] [FN-CB-240a.3]
BCA berkomitmen untuk terus memberikan
pengalaman terbaik bagi pelanggan, termasuk BCA mendukung Peraturan Presiden No. 82 Tahun
mendukung akses layanan perbankan bagi 2016 tentang Strategi Nasional Keuangan Inklusif
penyandang disabilitas. Salah satu upayanya adalah (SNKI) dengan menghadirkan produk dan layanan
menyediakan fitur ATM Wicara, yang menggunakan keuangan untuk masyarakat yang belum terjangkau
panduan suara untuk memudahkan nasabah tuna layanan perbankan (unbankable). Upaya ini mencakup
netra melakukan transaksi. Saat ini, terdapat 13 perluasan jaringan ATM ke daerah pelosok, kerja
ATM Wicara yang tersebar di enam kota besar di sama dengan ATM BERSAMA, serta pengembangan
Indonesia. digital banking. Hingga akhir 2024, BCA memiliki
28 cabang di wilayah 3T dan menjangkau daerah
Di tahun 2024, kami meluncurkan Program HearMe, terpencil melalui mitra seperti Indomaret dan
yakni sebuah inisiatif yang diadakan oleh BCA untuk Alfamart. Pembukaan rekening juga dapat dilakukan
mendukung komunitas Teman Tuli di Indonesia. secara digital melalui BCA Mobile dan MyBCA, serta
Program ini bertujuan untuk memberikan kemudahan aplikasi mitra seperti Blibli, Bayarin, dan MyCampus.
akses transaksi yang aman dan nyaman, serta Program inklusi keuangan ini memberikan dampak
menciptakan lingkungan inklusif yang ramah. positif signifikan bagi masyarakat, khususnya dalam
mempermudah akses dan penyelesaian transaksi
Program HearMe BCA melibatkan penggunaan keuangan.
teknologi untuk mempermudah komunikasi antara
nasabah tunarungu dengan petugas BCA. Salah satu Sebagai bagian dari inklusi keuangan, BCA
aspek penting dari program ini adalah menyediakan menyediakan produk TabunganKu, Simpanan Pelajar,
layanan dengan menggunakan bahasa isyarat. dan Tahapan Xpresi. TabunganKu, sebagai non-
Petugas yang terlatih dalam bahasa isyarat dapat cost saving account, dirancang untuk masyarakat
membantu nasabah tunarungu dalam melakukan berpenghasilan rendah dengan tujuan membantu
transaksi atau konsultasi tanpa hambatan. Melalui mereka menabung dengan lebih mudah, aman,
program HearMe, kami berupaya meningkatkan dan tanpa biaya. Simpanan Pelajar dan Tahapan
inklusivitas layanan keuangan bagi penyandang Xpresi ditargetkan untuk generasi muda. Simpanan
disabilitas. Pelajar memberikan solusi tabungan sederhana yang
sesuai untuk pelajar yang disertai edukasi terkait
Layanan ini dapat diakses di myBCA Store Mall Kota kebiasaan menabung. Tabungan Tahapan Xpresi
Kasablanka, Jakarta Selatan. HearMe BCA dapat menawarkan layanan digital dengan desain kreatif,
dilihat sebagai langkah positif dalam memfasilitasi mendukung kebutuhan gaya hidup generasi muda.
kesetaraan bagi komunitas Teman Tuli, sebagai bukti Melalui berbagai produk ini, BCA terus memperkuat
komitmen sosial BCA. komitmennya terhadap inklusi keuangan di seluruh
lapisan masyarakat.
Jumlah Rekening Tabungan Inklusi
Produk Tabungan Jumlah Rekening
TabunganKu 1.752.368
Simpanan Pelajar 83.541
Tahapan Xpresi 12.952.402
Per 31 Desember 2024
82 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 85
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Integritas dalam
Pelayanan Perbankan
Tata Kelola Data dan Informasi
BCA senantiasa menjaga keamanan data dan privasi nasabahnya dengan mematuhi kode etik perbankan,
kebijakan internal, serta peraturan pemerintah. Keamanan data dikelola melalui sistem teknologi informasi
(TI) yang memadai. Hal ini penting karena perlindungan data dan privasi merupakan hak setiap nasabah,
debitur, serta mitra bisnis atau pemasok BCA yang harus dipenuhi untuk mempertahankan kepercayaan para
pemangku kepentingan.
Sistem Manajemen Keamanan Informasi [FN-CB-230a.2]
Sistem manajemen keamanan data menjadi aspek signifikan bagi Bank untuk mencegah kebocoran data dan
penyalahgunaan data dan informasi. Bank menerapkan sistem manajemen keamanan data serta mematuhi
Peraturan OJK No. 22 tahun 2023 tentang Pelindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan
serta UU No. 27 Tahun 2022 tentang Pelindungan Data Pribadi.
Di era kemajuan teknologi dan digitalisasi, keamanan data menjadi tantangan utama sehingga diperlukan
pembaruan sistem keamanan secara berkelanjutan. Bank telah menerapkan sistem manajemen keamanan
informasi dan data berdasarkan standar internasional yang diverifikasi oleh pihak independen. Proses verifikasi
ini menjadi bagian penting dari pengendalian dan audit sistem manajemen keamanan informasi. Di tahun 2024,
BCA sedang dalam tahap pembaruan sertifikasi ISO 27001 terkait surveillance. Lebih lanjut, dilakukan juga
verifikasi dengan pihak independen sehingga BCA dapat menerima rekomendasi untuk memperbaiki dan
meningkatkan sistem manajemen keamanan siber dan keamanan data yang sudah berjalan.
Berikut adalah sertifikasi yang telah diimplementasikan sepenuhnya di kantor pusat BCA:
ISO/IEC 27001:2013 Data center operation services
ISO/IEC 27001:2022 IT security management system
ISO 9001:2015 Data center network services
ISO 20000-1:2018 Data center network & IT management system
PCI Data Security Payment card data security
Standard 3.2.1
Penanggung jawab keamanan data dan privasi di BCA yaitu Information Technology Security Group (ISG), yang
membawahi empat unit kerja.
Bagan Organisasi Information Technology Security Group (ISG)
Information Technology
Security Group (ISG)
Security Monitoring,
Security ID & Security Security Protection Security Protection
Analytics, &
Administration Assurance A B
Orchestration
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 83
Page 86
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Tugas utama Information Technology Security Group 12. Menerapkan security review, validation, dan
(ISG), yaitu mengelola sistem manajemen keamanan testing yang komprehensif sebelum meluncurkan
informasi di lingkup operasional. Untuk memastikan aplikasi atau fitur baru ke nasabah.
keamanan informasi dan data nasabah, BCA 13. Menerapkan pengamanan terhadap device
memanfaatkan berbagai sistem TI yang diterapkan pekerja yang digunakan untuk mengakses e-mail
secara menyeluruh di Kantor Cabang, Kantor Pusat, dan aplikasi internal BCA.
dan Data Center, antara lain: 14. Penerapan teknologi log analysis, event
1. Menerapkan Data Loss Prevention (DLP), correlation, dan User Behavior Analytic (UBA) untuk
Database Activity Monitoring (DAM), data dapat memonitor anomaly security yang terjadi
encryption, database masking, Information dari aktivitas karyawan maupun dalam sistem TI.
Rights Management (IRM), dan data classification 15. Penerapan pengamanan berlapis, termasuk OTP,
untuk melindungi informasi sensitif dari akses 2FA, dan face biometric, untuk mencegah fraud
pihak yang tidak berkepentingan. dan penyalahgunaan data, serta mengamankan
2. Mengembangkan teknologi pengamanan jaringan provisioning perangkat baru di mobile banking.
dan peningkatan kemampuan web secure 16. Memastikan tim ISG selalu mendapatkan
gateway yang terintegrasi dengan tools data pelatihan dan selalu memperbarui pengetahuan
protection, mendeteksi, dan mencegah akses ke teknis tentang keamanan siber dan mendapatkan
situs-situs yang berbahaya. sertifikasi profesional di bidang keamanan siber.
3. Memanfaatkan teknologi machine learning dan
kecerdasan buatan. Manajemen Data dan Informasi
4. Meningkatkan pengamanan remote access [2-25, 418-1][FN-CB-230a.1]
mulai dari penerapan multi factor authentication, Data pelanggan, mitra kerja, pekerja, dan data
pengamanan pada endpoint yang digunakan, operasional lainnya yang dihasilkan oleh sistem
pengamanan jaringan, pengamanan server yang internal BCA secara otomatis tersimpan di data
diakses, dan pengamanan data yang diakses center. Di samping itu, BCA masih menghasilkan data
serta memonitor aktivitas remote session. fisik di kantor cabang yang diarsipkan. Manajemen
5. Mengimplementasikan kode kata kunci satu waktu data mengacu pada kebijakan internal No. 196/SK/
(One Time Password/OTP) dan otentikasi dua DIR/2024 perihal Kebijakan Pengamanan Informasi
faktor (two factor authentication) dalam aplikasi serta Kebijakan No. 149/SE/POL/2024 perihal
digital guna memastikan bahwa aplikasi tersebut Perubahan Pengelolaan Arsip Sentralisasi.
digunakan oleh pemilik akun/nasabah yang tepat.
6. Menerapkan perangkat monitoring lalu lintas Sesuai dengan kebijakan internal, dilakukan
data dan koneksi di jaringan BCA untuk bisa pengelolaan data nasabah termasuk penyimpanan
mengantisipasi indikasi serangan siber termasuk arsip hardcopy dan softcopy sesuai dengan
risiko data breach dan advance persistent threat klasifikasinya. Arsip softcopy dikelola oleh
serta dapat melakukan respons secara cepat dan Information Technology Security Group (ISG),
efektif yang dimonitor oleh tim yang beroperasi sementara arsip hardcopy dikelola secara sentralisasi
24x7 di Security Monitoring Center (SMC). atau nonsentralisasi. Khusus untuk data yang terkait
7. Penerapan berbagai pengamanan pada aplikasi dengan klasifikasi arsip Penghimpunan Dana dan
melalui penggunaan teknologi Obfuscation, Web Jasa (data nasabah), penyimpanan dilakukan tanpa
Application Firewall, API Security, BOT & anomaly retensi arsip serta dipastikan data yang disimpan
detection serta payload encryption. dapat dibuka dan disajikan saat diperlukan.
8. Menerapkan manajemen akses dan monitoring
untuk penggunaan super user (privilege ID) guna Seluruh Insan BCA diwajibkan untuk menjaga
memastikan tidak adanya penyalahgunaan akses dan melindungi kerahasiaan data nasabah serta
dan user. mitra kerja/pemasok sesuai dengan kebijakan
9. Mengamankan lalu lintas transaksi dan pertukaran pengamanan informasi dan kode etik Bank. BCA
data melalui penerapan end-to-end encryption. melarang pemberian data nasabah kepada pihak
10. Menerapkan monitoring kebocoran data di ketiga tanpa persetujuan tertulis, kecuali diatur
Dark Web dan penyalahgunaan merek melalui oleh undang-undang. Risiko privasi menjadi bagian
pemanfaatan teknologi Cyber Threat Intelligence. dari risiko operasional dan reputasi Bank, sehingga
11. Menerapkan monitoring compliance security dari BCA menetapkan kebijakan perlindungan dan
penerapan teknologi informasi di BCA. mitigasi yang memadai. Bank juga memberikan hak
kepada nasabah untuk mengakses, memperbaiki,
84 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
atau mengkinikan data mereka. Dalam formulir Untuk meningkatkan keamanan, BCA secara
pembukaan rekening, nasabah diminta persetujuan rutin mengedukasi nasabah dan masyarakat luas
untuk berbagi data dengan pihak ketiga sesuai mengenai ancaman siber dan pencurian data melalui
keperluan dan izin yang berlaku. kampanye #AwasModus dan #DontKnowKasihNo
yang disebarkan lewat media digital, webinar, media
Kebijakan Internal terkait Kerahasiaan sosial, dan saluran lainnya yang mudah diakses.
Data
BCA menerapkan kebijakan untuk menjaga Seluruh pemangku kepentingan dapat melaporkan
kerahasiaan data dan melindungi privasi nasabah pelanggaran privasi melalui Halo BCA yang dikelola
yang berlaku bagi seluruh pekerja di setiap level oleh Contact Center & Digital Services (CDG), atau
jabatan. Dalam Perjanjian Kerja Bersama (PKB) Bab melalui sistem pelaporan pelanggaran yang ditangani
20 Pasal 58 ayat 1.e, disebutkan bahwa pekerja wajib oleh Biro Anti Fraud (BAF) berkoordinasi dengan Divisi
menjaga kerahasiaan perusahaan dan nasabah yang Audit Internal (DAI). Apabila terdapat laporan, BCA
diperoleh melalui jabatan atau interaksi di lingkungan berwenang untuk melakukan blokir sementara pada
perusahaan. Mengacu pada Kode Etik, setiap Insan akun rekening atas permintaan nasabah. Selama
BCA bertanggung jawab menjaga kerahasiaan data periode pelaporan, tidak ada kasus pelanggaran
nasabah dan bank. atau penyalahgunaan data nasabah yang berdampak
signifikan terhadap kelangsungan operasional BCA,
Sebagai bagian dari kebijakan ini, Insan BCA dilarang serta tidak ada pengaduan terkait pelanggaran dan
mengungkapkan rahasia perusahaan, baik secara kebocoran data. Semua laporan pelanggaran privasi
sengaja maupun tidak sengaja, termasuk informasi akan diperiksa oleh BAF dan dilaporkan kepada
pelanggan, sistem manajemen informasi, data Presiden Direktur.
karyawan, informasi pemasok atau mitra, serta
perjanjian dengan pemerintah. BCA juga melarang Pekerja yang melanggar privasi nasabah akan
keras seluruh pekerja untuk memperjualbelikan diproses sesuai ketentuan ketenagakerjaan dan
atau menyebarluaskan data nasabah kepada pihak hukum yang berlaku. BCA memiliki Pedoman
eksternal. Penanganan Kasus Pelanggaran yang diatur dalam
Surat Keputusan Direksi No. 021/SK/DIR/2012, yang
Untuk memastikan perlindungan data pribadi, BCA mencakup prosedur penanganan pelanggaran,
telah menugaskan pejabat yang berperan sebagai tanggung jawab pemberian sanksi, peran Komite
Data Protection Officer (DPO). DPO bertanggung Penyelesaian Kepegawaian (KPKK), serta proses
jawab untuk memantau kepatuhan terhadap hukum yang berpotensi mengarah pada sanksi
regulasi, mengelola risiko, dan mengkoordinasikan Pemutusan Hubungan Kerja (PHK). Pelaporan kasus
isu pemrosesan data pribadi. Selain itu, DPO pelanggaran dikelola melalui Aplikasi ORMIS-LED
memberikan saran, meningkatkan kesadaran, dan ditindaklanjuti oleh Risk Management Division
serta mengevaluasi dampak produk atau teknologi (MRK) di Subdivisi Operational Risk Management.
baru terhadap pemrosesan data pribadi, sekaligus BCA tidak menoleransi pelanggaran privasi nasabah,
meninjau kebijakan dan prosedur untuk menjaga dan sanksi yang diberikan bisa berupa PHK.
keamanan data.
Audit terhadap penilaian kepatuhan kebijakan privasi
Jika terjadi pelanggaran, laporan dapat disampaikan telah dilakukan oleh Divisi Audit Internal dengan
melalui whistleblowing system yang dikelola secara frekuensi minimal 3 tahun sekali. Kegiatan audit yang
khusus. Setelah laporan divalidasi, jika memenuhi terakhir kali dilaksanakan di 2023, dengan demikian
kriteria, kasus tersebut akan diteruskan ke Biro Anti audit berikutnya akan dilakukan paling lambat di
Fraud (BAF) untuk ditindaklanjuti. tahun 2026.
Kebijakan Perlindungan Data Nasabah
Kebijakan Perlindungan Data dan Informasi Keamanan Siber
Konsumen BCA dapat diakses melalui https://
www.bca.co.id/-/media/Feature/Report/File/ Manajemen Risiko Keamanan Siber
S8/Kebijakan-GCG/2025/20250207-kebijakan- [FN-CB-230a.2]
pelindungan-data-dan-informasi-konsumen.pdf Penerapan tata kelola keamanan siber di BCA
sementara Kebijakan Privasi dapat dilihat melalui mencakup manajemen risiko dan ketahanan siber
https://www.bca.co.id/id/informasi/Kebijakan. di seluruh bisnisnya, dengan acuan Kebijakan
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 85
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Manajemen Risiko Keamanan Siber. Pelaksanaan siber yang bertanggung jawab dalam menyusun,
manajemen risiko keamanan siber melibatkan peran mengembangkan, dan menelaah kecukupan dari
dari Board of Governance dan unit kerja yang terkait kebijakan, strategi, dan kerangka manajemen
dengan three lines of defense untuk memastikan risiko keamanan siber, serta melakukan pengujian
efektivitas penerapan proses manajemen risikonya ketahanan siber.
dengan pembagian sebagai berikut.
Third Line of Defense
Board of Governance Divisi Audit Internal (DAI) bertanggung jawab untuk
• Dewan Komisaris bertanggung jawab melakukan memastikan bahwa pertahanan lapis pertama dan
pengawasan secara aktif atas penerapan lapis kedua berjalan sesuai dengan yang diharapkan.
manajemen risiko keamanan siber. DAI merupakan unit independen yang memiliki fungsi
• Direksi bertanggung jawab penuh atas penerapan untuk melakukan penilaian terhadap efektivitas dan
manajemen risiko keamanan siber BCA dan kecukupan pengendalian internal atas manajemen
memastikan penerapan manajemen risiko risiko keamanan siber, termasuk melakukan kaji
keamanan siber. ulang dan evaluasi terhadap penerapan manajemen
risiko keamanan siber, serta melakukan pemantauan
First Line of Defense terhadap tindak lanjut hasil temuan audit atas
Information Technology Security Group (ISG) penerapan manajemen risiko keamanan siber.
merupakan unit/fungsi yang memiliki independensi
dalam menangani penerapan proses ketahanan dan Pada prinsipnya, tanggung jawab terhadap tata
keamanan siber, pengelolaan TI, serta bertanggung kelola keamanan siber di BCA melibatkan seluruh
jawab terhadap inventarisasi dan penilaian aset TI direktorat. Namun secara khusus, penerapan
dan aset informasi Non-TI, identifikasi kerentanan manajemen risiko keamanan siber dipantau oleh
dan pemantauan perkembangan siber, serta Komite Manajemen Risiko dan Komite Manajemen
pengujian keamanan siber. Risiko Terintegrasi di bawah Direksi, serta Komite
Pemantau Risiko dan Komite Tata Kelola Terintegrasi
Second Line of Defense di bawah Dewan Komisaris. Pemantauan dan evaluasi
Subdivisi Cyber Security Risk Management (CSM) keamanan siber dilakukan setiap tiga bulan sekali
bertanggung jawab untuk mengembangkan dalam rapat koordinasi. Manajemen risiko siber
dan memantau implementasi manajemen risiko di BCA mengacu pada Surat Edaran OJK No. 29/
keamanan siber secara keseluruhan sebagai SEOJK.03/2022 tentang Ketahanan dan Keamanan
bagian dari governance process. CSM adalah Siber bagi Bank Umum.
unit/fungsi yang memiliki independensi untuk
menangani penerapan manajemen risiko keamanan
Pengembangan keamanan siber di BCA mengikuti tiga aspek utama: People, Process, dan Technology
People
Fokus pada peningkatan pengetahuan dan kesadaran mengenai keamanan siber melalui e-learning, uji
coba phishing lewat e-mail, video awareness, morning briefing seluruh frontliner, infografis, e-booklet,
dan pemasangan poster. Pelatihan tentang penetration test, hacking, dan cyber security diberikan kepada
pekerja, dengan awareness yang dilakukan setiap tahun, termasuk kegiatan Cyber Security Month. Tidak
hanya internal, tetapi pihak ketiga yang bekerja sama dengan BCA juga dilibatkan dalam pelatihan ini.
Process
BCA memastikan kepatuhan terhadap peraturan dan undang-undang terkait keamanan siber yang berlaku
dalam setiap proses operasional yang melibatkan data nasabah.
Technology
BCA meningkatkan teknologi secara terus-menerus untuk memperkuat sistem keamanan data. Di antaranya
pengoperasian IT Security Monitoring Center yang berfungsi 24/7 serta membentuk Information Security
Incident Response Team (ISIRT) jika terjadi insiden siber dan situasi darurat yang secara berkala dilakukan uji
coba ketahanannya untuk memastikan sistem tetap terlindungi dari potensi ancaman.
86 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Resiliensi Teknologi untuk Mendukung Keamanan Siber
Diperlukan resiliensi teknologi untuk menunjang keamanan siber di seluruh rantai nilai BCA. Sebagai bagian dari
manajemen risiko siber, tim ISG telah mengimplementasikan mitigasi untuk mengelola ketahanan dan keamanan
siber di tingkat operasional, termasuk mitigasi terhadap serangan virus, malware, exploit kerentanannya, serta
kontrol internal yang dapat menyebabkan kebocoran data. Bank juga telah menetapkan prosedur penanganan
insiden keamanan informasi dan Security Monitoring Center (SMC) yang beroperasi 24 jam serta membentuk
Information Security Incident Response Team (ISIRT) jika terjadi insiden siber.
Persiapan Deteksi & Pemberantasan Aktivitas
• Tentukan aset kritis Analisis & Pemulihan Pasca Insiden
• Melindungi aset
(Aplikasi, Jaringan,
• Notifikasi dari Penahanan • Notifikasi
alat monitoring, • Finalisasi Laporan
Host, Data) • Strategi Respons
nasabah, Halo Insiden
• Memantau aset • Penahanan dan
BCA, SMS kontak, • Analisis Akar
• Penilaian Remediasi
dll. Penyebab
Kerentanan, Uji • Penilaian Sistem
• Identifikasi Insiden • Tindakan
Penetrasi Pemulihan
& Analisis Dampak perbaikan
• Tinjau & Uji
• Deklarasi Insiden • Penutupan Insiden
Prosedur
• Penyelidikan
Tanggapan Insiden
Program simulasi serangan adversarial dan table-top exercise dilakukan secara rutin minimal 1 kali dalam
setahun untuk mempersiapkan tim IT Security dan Information Security Incident Response Team (ISIRT) dalam
menangani insiden siber dan situasi darurat. Tim SMC melakukan threat hunting untuk menganalisis metode,
teknik, taktik, prosedur, dampak, dan tren serangan siber terhadap sistem TI. Untuk meningkatkan keamanan
BCA secara keseluruhan, BCA juga menyediakan layanan keamanan TI dari Penyedia Jasa Teknologi Informasi
(PJTI) kepada entitas, memastikan seluruh area serangan siber dapat terlindungi, dipantau, dan dimitigasi untuk
meningkatkan postur keamanan secara holistik.
Pengawasan Sistem Informasi
BCA secara berkala menjalankan strategi keamanan informasi dan melakukan review minimal setiap tiga tahun
sekali oleh auditor internal dan eksternal, melalui kolaborasi IT Security dan IT Procurement, serta melakukan
cyber security due diligence untuk pihak ketiga yang akan bekerja sama dengan BCA. Untuk memastikan
sistem keamanan informasi yang memadai, BCA juga melakukan audit secara rutin, baik oleh tim audit internal
maupun auditor eksternal.
Audit eksternal tahun 2024 dilakukan oleh KAP Rintis, Jumadi, Rianto & Rekan (Sebelumnya KAP Tanudiredja,
Wibisana, Rintis & Rekan), firma anggota jaringan global PwC, dengan fokus area pada penilaian risiko, tugas &
tanggung jawab siber, pengamanan aset, kontrol deteksi, kebocoran atau insiden keamanan, exposure umum,
serta backup dan pemulihan. Laporan audit tersebut akan disampaikan ke Direksi untuk memberikan arahan ke
unit kerja terkait agar menindaklanjuti rekomendasi dan temuan audit.
BCA secara berkala setiap tahun menilai tingkat kematangan keamanan siber sesuai dengan standar OJK.
Pada penilaian tahun 2024, BCA mendapatkan hasil "Strong/Sangat Memadai" untuk manajemen risiko dan
ketahanan siber. Selain itu, BCA secara rutin melakukan penilaian keamanan informasi dengan bantuan konsultan
untuk merencanakan pengembangan keamanan tiga tahun ke depan. BCA juga membangun kolaborasi internal
antara Operation Strategy & Development Group (POL), Grup Hukum (GHK), Risk Management Division (MRK),
dan Information Technology Security Group (ISG) untuk melindungi data pribadi nasabah.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 87
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pelatihan terkait Keamanan Data dan Siber
Untuk memastikan pemahaman yang mendalam tentang keamanan siber, seluruh pekerja BCA termasuk
Direksi dan Dewan Komisaris, secara rutin menerima pembaruan mengenai cara mengenali ancaman siber dan
prinsip dasar sistem keamanan informasi. Materi ini disebarkan melalui e-mail dan saluran komunikasi internal
lainnya. BCA menyelenggarakan e-learning wajib bertema "Berpaling dari Phishing" guna memastikan pekerja
selalu terinformasi tentang tren ancaman siber terbaru beserta langkah-langkah pencegahannya. BCA juga
melakukan pengujian terhadap seluruh pekerja melalui kampanye phishing yang berlangsung sepanjang tahun,
serta mengukur tingkat budaya keamanan siber di kalangan pekerja melalui penilaian budaya keamanan siber.
Hal ini bertujuan untuk memastikan efektivitas program awareness dan pengetahuan mengenai keamanan
siber.
Secara rutin, BCA melakukan campaign Cyber Security Awareness Month yang dilaksanakan pada bulan
Oktober. Cyber Security Month Program adalah serangkaian program untuk mengedukasi sekaligus
meningkatkan kesadaran seluruh pekerja tentang pentingnya keamanan siber. Cyber Security Month Program
memberikan penghargaan kepada unit kerja dan individu yang berpartisipasi mengikuti berbagai kegiatan
yang diadakan, seperti webinar, e-learning, awareness, cyber culture & knowledge assessment, phishing
simulation, dan lain sebagainya.
Jumlah Peserta E-Learning Keamanan Siber
33.741 32.625 28.292
2024 2023 2022
Secara khusus, BCA juga memberikan pelatihan keamanan siber bersertifikat kepada tim keamanan sibernya
dan mendorong mereka untuk aktif berpartisipasi dalam kompetisi keamanan siber, guna mengasah
kemampuan tim dalam menjaga ketahanan dan keamanan siber BCA. Topik pelatihan yang diberikan kepada
pekerja di unit kerja IT dan Tim keamanan siber di antaranya:
• CompTIA Security+
• CompTIA CySA+
• Certified Ethical Hacker (CEH)
• Offensive Security Certified Professional (OSCP)
• Certified Information Systems Security Professional (CISSP)
• Certified Professional Penetration Tester (eCPPT), dll.
Pelaksanaan Cyber Security Awareness Month dengan konten interaktif.
88 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Mengenali Nasabah
BCA menerapkan sistem manajemen risiko dengan pada keamanan, kemudahan, dan inklusi finansial.
tujuan utama untuk mengenali dan memahami nasabah Kampanye #DontKnowKasihNo dan #AwasModus
secara menyeluruh, termasuk profil dan pola aktivitas bertujuan meningkatkan kesadaran nasabah dan
keuangan mereka. Melalui pendekatan ini, bank dapat masyarakat terhadap maraknya modus penipuan
memastikan bahwa setiap transaksi sesuai dengan digital, mengedukasi agar tidak memberikan
regulasi yang berlaku, seperti APU, PPT, dan PPPSPM. informasi sensitif seperti OTP atau PIN kepada pihak
Proses ini mencakup pengumpulan informasi dasar, yang tidak dikenal. Selain itu, kampanye ini juga
seperti nama, alamat, tanggal lahir, dan identifikasi dirancang untuk meningkatkan kesadaran nasabah
resmi, serta pemantauan transaksi untuk mendeteksi dan masyarakat dalam menghindari penipuan serta
anomali atau aktivitas mencurigakan. penyalahgunaan rekening untuk Anti Pencucian Uang,
Pencegahan Pendanaan Terorisme, dan Pencegahan
Dengan mengenal nasabah secara mendalam, Pendanaan Proliferasi Senjata Pemusnah Massal
BCA mampu memberikan layanan yang lebih (APU, PPT, dan PPPSPM).
terpersonalisasi dan mendukung kebutuhan
finansial yang lebih tepat. Selain itu, sistem ini juga Dalam rangka mendukung aksesibilitas layanan, BCA
memastikan integritas sistem keuangan tetap memiliki fitur pembukaan rekening online melalui
terjaga, memperkuat kepercayaan nasabah, dan BCA Mobile dan MyBCA yang memungkinkan calon
menciptakan lingkungan perbankan yang aman, nasabah membuka rekening kapan saja dan di mana
nyaman, transparan, serta bertanggung jawab. saja tanpa harus datang ke kantor cabang. Selain itu,
kampanye tematik seperti #BagiBagi mendorong
penggunaan layanan digital, seperti QRIS dan
Meningkatkan Kesadaran dan transfer online untuk berbagi di momen spesial.
Keterlibatan Pelanggan
Secara keseluruhan, kampanye-kampanye BCA
BCA secara konsisten menjalankan berbagai mencerminkan komitmen bank dalam menghadirkan
program dan kampanye guna lebih meningkatkan solusi perbankan yang inovatif, aman, nyaman,
kemudahan, akses layanan, maupun meningkatkan dan edukatif di tengah perkembangan teknologi
kesadaran terhadap keamanan bertransaksi. BCA digital dengan tetap mengutamakan keamanan dan
meluncurkan kampanye strategis untuk menjawab kenyamanan nasabah.
kebutuhan nasabah di era digital, dengan fokus
Kolaborasi dengan nasabah menjadi salah satu upaya menciptakan
lingkungan perbankan yang aman, nyaman, dan bertanggung jawab.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 89
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Implementasi APU, PPT, dan Sepanjang tahun 2024, BCA telah menyelenggarakan
PPPSPM training terkait APU, PPT, dan PPPSPM dalam rangka
memperkuat penerapan APU, PPT, dan PPPSPM
BCA menerapkan kebijakan Anti Pencucian Uang, dengan rincian sebagai berikut:
Pencegahan Pendanaan Terorisme, dan Pencegahan
Pendanaan Proliferasi Senjata Pemusnah Massal Pelatihan APU, PPT, dan PPPSPM berdasarkan Level
(APU, PPT, dan PPPSPM) dalam menjalankan operasi Jabatan pada Tahun 2024
perbankannya. Dalam penerimaan nasabah, BCA
Jenjang Jabatan Jumlah Pekerja*
menjalankan proses Customer Due Diligence (CDD)
dan Enhanced Due Diligence (EDD) berbasis risiko.
Pejabat Senior (termasuk Dewan 11
Selain itu, seluruh pekerja, terutama frontliner, secara Komisaris dan Direksi)
berkala mendapatkan edukasi untuk meningkatkan
Manajer 58
kesadaran dan pengetahuan mereka tentang APU,
Staf 3.377
PPT, dan PPPSPM. Informasi lebih lanjut mengenai
hal ini dapat diakses di situs resmi BCA. Sosialisasi Nonstaf 6.401
mengenai APU, PPT, dan PPPSPM juga dilakukan Jumlah 9.847
melalui e-mail blast dan media komunikasi internal * Keterangan: Pelatihan diberikan kepada pekerja yang belum
menerima edukasi pada tahun sebelumnya.
lainnya. Selain itu, BCA menerapkan pengawasan
transaksi keuangan untuk memastikan kepatuhan
terhadap APU, PPT, dan PPPSPM sebagai bagian dari
pengendalian internal Bank.
Sosialisasi APU, PPT, dan PPPSPM di internal BCA.
90 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 93
ber
O4
an Sum
lola ng
PengeManusia ya
Daya
anjutan
Berkel
Page 94
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Membangun
Sumber Daya Manusia Berkualitas
Kesiapan pekerja dalam menghadapi tren keberlanjutan dan dinamika bisnis industri perbankan menjadi topik
material yang perlu dikelola. Oleh sebab itu, BCA berkomitmen untuk meningkatkan kapabilitas sumber daya
manusia (SDM), khususnya dalam bidang kepemimpinan dan inovasi, dengan senantiasa menjunjung tinggi
tata nilai dan budaya perusahaan. Pengelolaan human capital di BCA mengikuti strategi SDM mulai dari talent
acquisition, pengembangan karier pekerja, hingga persiapan pensiun.
BCA EMPLOYEE
JOURNEY
01 02 03 04 05
Recruitment & On Boarding Engagement &
Selection Development Retirement Post Retirement
Profil Pekerja [2-7]
Dalam mengelola dan memberdayakan SDM, BCA selalu menjunjung prinsip-prinsip Hak Asasi Manusia
(HAM), termasuk memastikan kesetaraan dan bebas diskriminasi. Seluruh hak dan kewajiban Bank serta
pekerja diatur dalam Perjanjian Kerja Bersama (PKB) yang terdaftar di Kementerian Ketenagakerjaan. PKB
mencakup berbagai aspek, seperti kesetaraan dan keadilan dalam penilaian kinerja, kebijakan promosi dan
pengembangan pendidikan, jadwal kerja dan cuti, kebijakan remunerasi, serta kebebasan berserikat. Ruang
lingkup PKB berlaku untuk seluruh karyawan tetap, sementara hak dan kewajiban pekerja kontrak serta pekerja
alih daya mengacu pada ketentuan peraturan ketenagakerjaan yang berlaku.
Seluruh pekerja BCA adalah warga negara Indonesia dengan latar belakang suku dan etnis yang beragam,
mencerminkan keberagaman Indonesia. Sebagai bentuk penghormatan terhadap keberagaman ini, BCA tidak
mengelompokkan data karyawan berdasarkan suku, etnis, atau golongan. Selain itu, BCA hanya mempekerjakan
karyawan penuh waktu, tanpa kategori pekerja paruh waktu. Data yang disajikan mencakup karyawan tetap
dan tidak tetap dengan status kerja penuh waktu.
Jumlah Pekerja dan Manajemen berdasarkan Gender dan Status Ketenagakerjaan
2024 2023 * 2022
Status Pekerja
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Tetap 9.542 15.143 9.232 14.822 8.506 13.785
Tidak tetap (kontrak, percobaan, 770 1.077 1.327 1.534 957 1.260
trainee)
Jumlah berdasarkan gender 10.312 16.220 10.559 16.356 9.463 15.045
Jumlah keseluruhan 26.532 26.915 24.508
92 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Jumlah Pekerja dan Manajemen berdasarkan Gender dan Jenjang Jabatan
2024 2023 * 2022
Jenjang Jabatan
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Dewan Komisaris 5 0 5 0 5 0
Direksi 10 2 10 2 10 2
Senior Manager 115 97 108 94 103 89
Middle Manager 926 963 925 934 872 863
Line Manager 4.053 7.067 3.905 6.742 3.786 6.380
Staf 4.828 7.563 5.124 8.070 4.121 7.207
Nonstaf 375 528 482 514 566 504
Jumlah berdasarkan gender 10.312 16.220 10.559 16.356 9.463 15.045
Jumlah keseluruhan 26.532 26.915 24.508
Komposisi Pekerja dan Manajemen berdasarkan Gender dan Masa Kerja
2024 2023 * 2022
Masa Kerja
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
> 20 tahun 2.517 4.223 2.932 4.730 3.369 5.139
15–20 tahun 327 448 297 403 239 320
10–15 tahun 1.163 2.190 815 1.446 604 956
5–10 tahun 1.981 3.698 1.986 4.008 2.106 4.492
1–5 tahun 3.593 4.592 2.493 3.335 1.977 2.721
≤ 1 tahun 731 1.069 2.036 2.434 1.168 1.417
Jumlah berdasarkan gender 10.312 16.220 10.559 16.356 9.463 15.045
Jumlah keseluruhan 26.532 26.915 24.508
Komposisi Pekerja dan Manajemen berdasarkan Gender dan Wilayah Kerja
2024 2023 * 2022
Wilayah Kerja
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Jabodetabek 6.445 8.606 6.277 8.399 5.527 7.763
Jawa Barat (selain Jabodetabek) 710 1.320 1.117 1.723 892 1.563
Jawa Tengah & DIY 560 1.199 569 1.204 542 1.111
Jawa Timur 1.129 2.127 1.122 2.106 1.090 1.959
Sumatra 738 1.441 734 1.402 712 1.257
Kalimantan 264 531 247 513 229 476
Indonesia Timur 466 996 493 1.009 471 916
Jumlah berdasarkan gender 10.312 16.220 10.559 16.356 9.463 15.045
Jumlah keseluruhan 26.532 26.915 24.508
*) Terdapat penyajian ulang data total pekerja pada tahun 2023
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 93
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Komposisi Pekerja dan Manajemen berdasarkan Gender dan Jenjang Pendidikan
2024 2023 * 2022
Jenjang Pendidikan
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
S3 9 4 10 4 10 4
S2 622 634 589 576 547 504
S1 8.568 13.572 8.585 13.531 7.354 12.279
Diploma (D1–D4) 242 773 309 861 323 913
SMA (jenjang lebih rendah) 871 1.237 1.066 1.384 1.229 1.345
Jumlah berdasarkan gender 10.312 16.220 10.559 16.356 9.463 15.045
Jumlah keseluruhan 26.532 26.915 24.508
Komposisi Pekerja dan Manajemen berdasarkan Gender dan Rentang Usia
2024 2023 * 2022
Rentang Usia
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
< 25 Tahun 1.999 2.373 2.311 2.662 1.707 2.033
25–29 Tahun 2.633 3.864 2.375 3.598 1.949 3.438
30–34 Tahun 1.811 3.621 1.835 3.730 1.652 3.346
35–39 Tahun 998 1.692 819 1.275 574 861
40–44 Tahun 345 554 349 650 465 997
45–50 Tahun 858 1.703 1.023 2.009 1.292 2.383
> 50 Tahun 1.668 2.413 1.847 2.432 1.824 1.987
Jumlah berdasarkan gender 10.312 16.220 10.559 16.356 9.463 15.045
Jumlah keseluruhan 26.532 26.915 24.508
* Terdapat penyajian ulang data total pekerja pada tahun 2023
Pekerja Lain di Luar Pekerja Tetap [2-8]
Di BCA, terdapat pekerja tidak tetap yang mendukung berbagai fungsi operasional. Sebanyak 1.847 pekerja,
atau 6,96% dari total pekerja, terdiri atas pekerja kontrak, percobaan, dan trainee. Selain itu, BCA juga
memanfaatkan tenaga alih daya untuk kebutuhan operasional, seperti keamanan, kebersihan, penjualan, dan
penagihan.
Rekrutmen yang Adil
BCA mengelola talenta, mencakup seluruh tahapan dari rekrutmen hingga akhir masa kerja karyawan.
Akuisisi talenta dilakukan melalui beberapa program, di antaranya Program Pendidikan Bisnis dan Perbankan
(PPBP), Program Pendidikan Teknik Informatika (PPTI), Management Trainee, dan program rekrutmen lainnya
(situs web: https://karir.bca.co.id/). Pendekatan ini bertujuan untuk membentuk pekerja mulai dari entry level
hingga jenjang pemimpin di perusahaan. Rekrutmen dilakukan berdasarkan kebutuhan posisi dan kesesuaian
calon pekerja dengan nilai-nilai budaya BCA. Sepanjang tahun 2024, BCA merekrut 805 laki-laki dan 1.164
perempuan melalui proses rekrutmen yang adil dan bebas dari diskriminasi.
94 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Pekerja dan Manajemen Baru berdasarkan Gender dan Jenjang Jabatan [401-1]
2024 2023 2022
Jenjang Jabatan
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Dewan Komisaris 0 0 0 0 0 0
Direksi 0 0 0 0 0 0
Senior Manager 5 2 3 5 3 0
Middle Manager 4 2 11 5 5 3
Line Manager 9 9 34 19 23 17
Staf 649 853 2.106 2.368 1.134 1.283
Nonstaf 138 298 142 257 91 180
Jumlah berdasarkan gender 805 1.164 2.296 2.654 1.256 1.483
Jumlah keseluruhan 1.969 4.950 2.739
Pekerja dan Manajemen Baru berdasarkan Gender dan Rentang Usia [401-1]
2024 2023 2022
Rentang Usia
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
< 30 Tahun 682 921 2.150 2.467 1.173 1.356
30–50 Tahun 116 232 135 175 77 120
> 50 Tahun 7 11 11 12 6 7
Jumlah berdasarkan gender 805 1.164 2.296 2.654 1.256 1.483
Jumlah keseluruhan 1.969 4.950 2.739
Pekerja dan Manajemen Baru berdasarkan Gender dan Wilayah Penempatan [401-1]
2024 2023 2022
Wilayah Penempatan
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Jabodetabek 497 685 1.323 1.245 755 751
Jawa Barat (selain Jabodetabek) 217 283 667 735 394 532
Jawa Tengah & DIY 15 47 69 119 18 31
Jawa Timur 33 57 101 203 41 67
Sumatra 16 42 59 167 25 33
Kalimantan 12 19 23 59 6 26
Indonesia Timur 15 31 54 126 17 43
Jumlah berdasarkan gender 805 1.164 2.296 2.654 1.256 1.483
Jumlah keseluruhan 1.969 4.950 2.739
Tingkat Perputaran Karyawan
3,4% 3,5% 4,8%
2024 2023 2022
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 95
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Upaya BCA dalam mempertahankan pekerjanya dilakukan melalui manajemen ketenagakerjaan yang baik. Hal
tersebut di antaranya adalah pemberian remunerasi dan benefit lainnya, termasuk bonus, gaji pokok di atas
upah minimum yang berlaku, pelatihan rutin sesuai dengan jenis pekerjaan maupun materi umum perbankan,
penilaian kinerja dan jenjang karier, fasilitas dan tempat kerja yang layak dan aman, hingga saluran pengaduan
SDM.
Hingga akhir tahun 2024, BCA mencatat 1.645 pekerja keluar dari perusahaan karena berbagai alasan, seperti
pengunduran diri, pensiun, atau meninggal dunia. Dengan memperhitungkan jumlah karyawan yang masuk dan
keluar, tingkat turnover BCA untuk tahun buku 2024 tercatat sebesar 3,4%, lebih rendah dibandingkan tahun
sebelumnya.
Pekerja dan Manajemen Keluar berdasarkan Gender dan Jenjang Jabatan [401-1]
2024 2023 * 2022
Jenjang Jabatan
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Dewan Komisaris 0 0 0 0 0 0
Direksi 0 0 0 0 1 0
Senior Manager 1 4 1 0 2 2
Middle Manager 19 17 10 13 21 14
Line Manager 125 173 97 219 169 279
Staf 379 450 206 307 327 445
Nonstaf 193 284 15 0 121 157
Jumlah berdasarkan gender 717 928 329 539 641 897
Jumlah keseluruhan 1.645 868 1.538
Pekerja dan Manajemen Keluar berdasarkan Gender dan Rentang Usia [401-1]
2024 2023 * 2022
Rentang Usia
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
< 30 Tahun 359 357 174 243 295 365
30–50 Tahun 279 449 80 198 167 367
> 50 Tahun 79 122 75 98 179 165
Jumlah berdasarkan gender 717 928 329 539 641 897
Jumlah keseluruhan 1.645 868 1.538
Pekerja dan Manajemen Keluar berdasarkan Gender dan Wilayah Penempatan [401-1]
2024 2023 * 2022
Wilayah Penempatan
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Jabodetabek 491 647 206 312 459 606
Jawa Barat (selain Jabodetabek) 97 89 62 89 41 69
Jawa Tengah & DIY 27 50 12 16 25 39
Jawa Timur 44 53 24 41 62 74
Sumatra 25 43 9 39 38 59
Kalimantan 6 12 5 18 6 22
Indonesia Timur 27 34 11 24 10 28
Jumlah berdasarkan gender 717 928 329 539 641 897
Jumlah keseluruhan 1.645 868 1.538
* Terdapat penyajian ulang data pekerja yang keluar dari BCA pada tahun 2023
96 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Pengawasan dan Penilaian Kinerja
BCA rutin melakukan evaluasi dan penilaian tahunan terhadap kinerja setiap pekerja setelah periode kinerja
berakhir. Metode penilaian yang digunakan adalah Performance Appraisal (PA) dan Performance Management
(PM), yang disesuaikan dengan jenis pekerjaan atau tingkat jabatan. Prosesnya dimulai dari self-assessment,
dilanjutkan dengan evaluasi dan penilaian oleh atasan langsung (Penilai 1) dan diverifikasi oleh satu level di atas
atasan langsung (Penilai 2). Pendekatan ini dirancang untuk memastikan objektivitas dan meminimalkan risiko
bias atau subjektivitas dalam penilaian.
KPI - Tahapan Penghargaan Kinerja
01 Penetapan KPI Direktorat
02 Penetapan KPI Divisi
03 Penetapan KPI Individu
Pelaksanaan Performance
Management
I. Planning
KPI - 04 II. Competency Assessment
III. Coaching 1
Performance IV. Coaching 2
- Reward Cycle V. Annual Review
05 Usulan Kenaikan Pangkat Berkala
Usulan Kenaikan Gaji dan Bonus
06 via Enterprise Compensation
Management (ECM)
Hasil penilaian kinerja di BCA menjadi bahan pertimbangan untuk penyesuaian remunerasi, termasuk
pemberian bonus serta sebagai salah satu bahan pertimbangan dalam menentukan pengembangan karier
pekerja. Di tahun 2024, seluruh pekerja yang memenuhi kriteria telah menjalani evaluasi dan penilaian kinerja.
Pekerja yang Mendapatkan Promosi berdasarkan Gender dan Wilayah Kerja
2024 2023 2022
Wilayah Kerja
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Kantor Pusat 641 659 605 612 574 614
Kantor Cabang & Wilayah 437 1053 476 1.129 569 1.225
Jumlah berdasarkan gender 1.078 1.712 1.081 1.741 1.143 1.839
Jumlah keseluruhan 2.790 2.822 2.982
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 97
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pengembangan Kompetensi
Di bawah koordinasi Divisi Learning and Development, BCA mengembangkan talenta pekerjanya. Upaya
ini dilakukan untuk menciptakan sumber daya manusia yang kompeten dan cepat beradaptasi dengan
perubahan hingga dapat mendukung pencapaian visi dan misi perusahaan. Pengelolaan pengembangan SDM,
termasuk program beasiswa, pendidikan, dan pelatihan, diatur dalam kebijakan internal BCA. Efektivitas
program pelatihan dievaluasi menggunakan model Kirkpatrick, di bawah tanggung jawab Divisi Learning and
Development yang secara berkala dilaporkan kepada Direktur Sumber Daya Manusia.
Materi pelatihan di BCA dirancang untuk mencakup berbagai aspek penting, termasuk pengetahuan tentang
produk dan layanan perbankan, pengembangan soft skills seperti kepemimpinan dan komunikasi, serta
technical skills yang diperlukan untuk mengoperasikan sistem perbankan. Pelatihan juga mencakup keamanan
informasi dan siber, pelindungan finansial nasabah, implementasi keuangan berkelanjutan, serta risiko
perubahan iklim dan dampaknya. Selain itu, materi terkini terkait keberlanjutan, seperti modul Integrasi ESRA
dan ESG tersedia untuk seluruh pekerja melalui platform e-learning BCA.
Pengembangan kompetensi pekerja BCA dilakukan melalui berbagai metode, seperti webinar, pelatihan tatap
muka, e-learning, video learning, video conference, gamification, microlearning, hingga coaching langsung
di tempat kerja. Monitoring dan evaluasi efektivitas pelatihan dikelola oleh Divisi Learning and Development
dengan hasil evaluasi yang secara berkala dilaporkan kepada program owner di masing-masing biro atau unit
kerja untuk ditindaklanjuti. [404-2]
Dalam pelaksanaan pelatihan, BCA tidak hanya mengembangkan e-learning internal, melainkan juga bekerja
sama dengan pihak eksternal dan institusi pendidikan guna memperoleh ilmu dan pengetahuan terkini, baik
dari topik-topik terkait keberlanjutan maupun bisnis perbankan. Untuk pelatihan, BCA bekerja sama dengan
Trisakti Sustainability Center (TSC), Universitas Bina Nusantara, dan Universitas Prasetiya Mulya. Lembaga lain
yang bukan institusi pendidikan dan turut dilibatkan adalah CDP, IDX, dan OJK. Untuk beasiswa pendidikan ke
jenjang lebih tinggi (S1 dan S2), kami bekerja sama dengan Universitas Bina Nusantara, Universitas Prasetiya
Mulya, Sekolah Tinggi Manajemen PPM, dan institusi lainnya. Hingga akhir tahun 2024, sebanyak 162 pekerja
telah menerima beasiswa pendidikan.
Untuk meningkatkan pengetahuan dan keterampilan pekerja, BCA juga memberikan kesempatan bagi pekerja
untuk mengikuti pelatihan yang diselenggarakan oleh pihak eksternal, baik di dalam maupun di luar negeri.
Realisasi Pelatihan [404-1]
Uraian 2024 2023 2022
Biaya pelatihan (Rp Juta) 353.627 372.815 263.243
Jumlah peserta (orang) 74.416 59.323 53.294
Laki-laki 29.999 24.100 21.180
Perempuan 44.417 35.223 32.114
Jumlah jam pelatihan setahun 1.156.101 1.183.950 950.297
Laki-laki 503.727 504.320 402.624
Perempuan 652.374 679.630 547.673
Rerata jam pelatihan per pekerja per tahun 44,5 44,0 38,8
Laki-laki 48,8 47,8 42,5
Perempuan 40,2 41,5 36,4
98 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Pelatihan Pekerja dan Manajemen berdasarkan Gender dan Jenjang Jabatan
2024 2023 2022
Jenjang Jabatan
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Dewan Komisaris 1 0 2 0 2 0
Direksi 10 2 7 2 2 2
Senior Manager 115 97 107 93 100 86
Middle Manager 2.297 2.917 2.196 2.785 2.131 2.626
Line Manager 2.680 5.109 2.628 4.886 2.515 4.595
Staf 4.821 7.551 5.117 8.062 3.836 6.871
Nonstaf 180 46 230 52 296 7
Jumlah berdasarkan gender 10.104 15.722 10.287 15.880 8.882 14.187
Jumlah keseluruhan 25.826 26.167 23.069
Keterangan:
Data pelatihan internal yang diselenggarakan oleh Divisi Learning and Development
Program Pengembangan Karier
Untuk meningkatkan keberlanjutan dalam membangun suksesor pemimpin, BCA mengadakan serangkaian
program pengembangan pekerja, baik untuk soft competencies maupun hard competencies. Salah satu
program pengembangan pekerja yang kami selenggarakan adalah program pengembangan karier untuk
mempersiapkan pekerja menuju jenjang yang lebih tinggi.
Untuk program pengembangan karier untuk mempersiapkan pekerja menuju jenjang supervisor,
diselenggarakan Program Pengembangan Pratama. Untuk program pengembangan karier menuju jenjang
middle management, diselenggarakan Program Pengembangan Manajer Muda 1 dan Muda 2. Sedangkan untuk
menuju jenjang senior leader, diselenggarakan Program Pengembangan Manajer Madya dan Utama.
Program pengembangan karier ini berfokus pada pengembangan soft competencies, seperti problem solving,
commercial acumen, employee development, decisiveness, dan strategic orientation. Kompetensi tersebut
dibutuhkan untuk meningkatkan kemampuan calon pemimpin di BCA agar memahami gambaran besar bisnis,
mengidentifikasi tantangan strategis, dan bisa menghasilkan ide inovatif untuk strategi pengembangan atau
pencapaian target bisnis yang lebih baik.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 99
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Program Kepemimpinan
Selain itu, BCA menerapkan leadership culture yakni BCA LEADER+, yang merupakan panduan karakter
kepemimpinan sebagaimana tercantum dalam Surat Keputusan Direksi No. 234/SK/DIR/2022, untuk
mendorong budaya kepemimpinan bagi seluruh pemimpin yang ada di BCA. Panduan ini mencakup 10
karakter kepemimpinan yang harus dimiliki oleh para pemimpin di BCA. Pada tahun 2024, BCA kembali
menyelenggarakan Leader Sharing Session untuk menyebarluaskan konsep BCA Leader+ yang melibatkan
lebih dari 90% karyawan tetap dan karyawan dalam masa percobaan di Kantor Pusat, Kantor Wilayah, dan
Kantor Cabang, dengan pembicara dari berbagai level kepemimpinan. Kandidat yang memiliki potensi
kepemimpinan juga berkesempatan untuk mendapatkan beasiswa BCA untuk melanjutkan pendidikan S2 di
universitas-universitas ternama untuk mempersiapkan pemimpin BCA di masa depan.
Becoming a Empathy & Reliable on
Role Model Persuasiveness Growing People
Agility & Drive & Persistence,
Responsiveness yet Patience
Collaboration Looking Forward Enhance Learning
& Personal with a Meaningful Agility & Invest in
Appreciation Goal Yourself
Always Humble & Extra Mile
Serve Others
Untuk meningkatkan pemahaman dan internalisasi penerapan karakter BCA LEADER+, BCA mengadakan
pelatihan BCA LEADER+ dan juga program pelatihan kepemimpinan berbasis soft competency lainnya dengan
topik Self Development, Change Management, dan Leading Across Generation.
Budaya perusahaan BCA LEADER+ secara konsisten diinternalisasikan
melalui media online maupun offline.
100 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Manajemen Ketenagakerjaan
Kebijakan Ketenagakerjaan penuh waktu dengan jam kerja pukul 08.00–17.00
atau 08.30–17.30, termasuk waktu istirahat selama
Perjanjian Kerja Bersama (PKB) dan satu jam dalam sehari. Untuk mendukung employee
Hubungan Industrial [2-30] well-being, BCA memberikan kesempatan kepada
Perjanjian Kerja Bersama (PKB) merupakan hasil pekerja yang memenuhi kriteria untuk mendapatkan
perundingan antara Manajemen Perusahaan dengan izin flexi-hours dalam kehadiran kerja. Ketentuan
Serikat Pekerja yang memuat syarat-syarat kerja terkait jam kerja, lembur, istirahat, dan cuti diatur
serta hak dan kewajiban pihak Perusahaan dan dalam PKB Pasal 13, 14, 19, 20, dan 21. Sebagai upaya
Pekerja. PKB berlaku paling lama 2 tahun sejak mendukung fleksibilitas kerja, kami menyediakan
ditandatangani oleh Pihak Perusahaan dan Serikat BCA Touchpoint, area kerja alternatif di luar kantor
Pekerja, oleh karena itu perlu dilakukan perundingan utama. Karyawan dapat menggunakan aplikasi BCA
kembali sehingga setiap 2 tahun sekali perlu Touchpoint untuk registrasi, pemesanan tempat,
dilakukan perundingan untuk melakukan pembaruan pengaturan hari kolaborasi, dan koordinasi tim.
PKB. Adanya Serikat Pekerja membuktikan bahwa
manajemen BCA memberikan kebebasan bagi Bank memastikan tidak ada praktik modern slavery
para pekerja untuk berserikat, berkumpul, dan di lingkungan kerja BCA. Setiap pekerja yang lembur
menyampaikan pendapat. Serikat Pekerja tidak akan diberikan kompensasi sesuai dengan ketentuan
hanya berfungsi sebagai Tim Perundingan PKB, PKB BCA. Jika pekerja mengajukan lembur atas
namun juga menjadi wadah dan perpanjangan keinginan sendiri dan telah disetujui oleh atasan,
tangan pekerja untuk menyampaikan aspirasi dari maka pekerja akan mendapatkan kompensasi
pekerja seputar hubungan industrial dan aspek sesuai dengan ketentuan PKB BCA. Perusahaan
ketenagakerjaan lainnya. BCA memiliki tujuh serikat mencatat jumlah jam kerja lembur melalui sistem.
pekerja. Berdasarkan hasil verifikasi keanggotaan Seluruh kompensasi lembur sepanjang tahun 2024
Serikat Pekerja, terdapat satu Serikat Pekerja yang telah dibayarkan setiap bulan bersamaan dengan
beranggotakan lebih dari 10% total pekerja yaitu penerimaan gaji bulanan.
KOMNAS SP NIBA BCA yang beranggotakan 51,69%
dari total pekerja. Keterikatan Pekerja
Menyadari pentingnya keterikatan antarpekerja di
Kebijakan Batas Minimum Usia Kerja dan BCA, maka pada tahun 2024 BCA kembali melakukan
Tata Waktu Kerja survei team engagement dengan hasil skor 4,67
Dalam PKB Pasal 7 ayat 2 huruf b diatur tentang batas dari 5,00. Hasil dari survei yang dilakukan juga telah
minimum usia pekerja, sehingga dipastikan tidak ada didistribusikan kepada para pemimpin unit kerja untuk
pekerja anak di BCA. Kami juga mengatur jam kerja kemudian masing-masing unit kerja dapat membuat
dan jam istirahat dengan jelas dalam PKB sehingga rencana aktivitas untuk semakin meningkatkan
dapat dipastikan tidak ada praktik kerja paksa. Selain keterikatan. Tentunya, leader dan anggota tim
itu, seluruh pekerja berhak atas cuti tahunan. memiliki peran penting dalam menumbuhkan team
engagement, oleh karena itu diperlukan kerja sama
Waktu kerja yang berlaku di BCA yaitu 5 hari dalam yang baik dari setiap pihak.
1 minggu, 8 jam dalam 1 hari dan maksimum 40 jam
dalam 1 minggu. Hari kerja dimulai dari Senin sampai
dengan hari Jumat. Seluruh pekerja BCA bekerja
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 101
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Kesempatan yang Setara dan Keberagaman
Kesetaraan Gender
Pada tahun 2024, persentase pekerja laki-laki sebanyak 38,9% dan perempuan 61,1%. Dalam mengelola
ketenagakerjaan, BCA menerapkan prinsip kesetaraan dan keberagaman tanpa adanya diskriminasi
berdasarkan gender, suku, agama, ras, atau golongan. Hal ini didukung oleh kebijakan nondiskriminasi yang
tercantum dalam Surat Keputusan Direksi BCA No. 214/SK/DIR/2021 mengenai Kebijakan HAM, Kode Etik BCA,
dan PKB. BCA juga terus berupaya meningkatkan peran perempuan dalam jenjang kepemimpinan. Struktur
tata kelola perusahaan mencerminkan keberagaman dalam hal gender, pendidikan, pengalaman, usia, dan
keahlian. Untuk menjaga inklusivitas, BCA mempromosikan kesetaraan gender dan memperkuat peran
perempuan di posisi Senior Manager dan Direktur.
Representasi Perempuan
Jabatan 2024 2023 2022
Direktur 16,7% 16,7% 16,7%
Senior Manager 45,8% 46,5% 46,4%
Kesempatan Karier bagi Penyandang Disabilitas
BCA membuka kesempatan karier bagi penyandang disabilitas, termasuk mereka yang memiliki keterbatasan
fisik. Per Desember 2024, BCA mempekerjakan 26 tenaga alih daya penyandang disabilitas yang bekerja
sebagai pegawai call center di Contact Center & Digital Services. Ini merupakan bagian dari komitmen BCA
terhadap praktik hak asasi manusia (HAM) dan kepatuhan pada Peraturan Pemerintah No. 43 Tahun 1998
tentang Upaya Meningkatkan Kesejahteraan bagi Kaum Disabilitas.
Kesejahteraan dan Kesehatan Mental Pekerja
Remunerasi dan Benefit [401-2]
Imbal jasa dan remunerasi yang diterima pekerja di BCA ditentukan berdasarkan level jabatan dan capaian
kinerja, tanpa membedakan gender, suku, ras, agama, atau golongan. BCA memberikan imbal jasa dengan
selalu memastikan kepatuhan pada ketentuan upah minimum yang berlaku di seluruh Indonesia. Remunerasi
yang diberikan meliputi gaji, tunjangan, bonus tunai, dan bonus saham BCA, yang bertujuan untuk meningkatkan
rasa kepemilikan pekerja terhadap perusahaan.
Tunjangan Pekerja berdasarkan Status Ketenagakerjaan
Jenis Tunjangan Pekerja Tetap Pekerja Kontrak Trainee
Tunjangan Hari Raya √ √ √
Tunjangan Akhir Tahun √ N/A √
Tunjangan Khusus Hari Raya Keagamaan √ N/A √
Tunjangan Jabatan √ N/A N/A
Bantuan Lainnya √ √ √
Catatan: Tidak ada perbedaan berdasarkan gender.
102 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Perbandingan Gaji Pekerja Perempuan dan Laki-Laki
Pekerja Tetap Pekerja Kontrak
Jenjang Jabatan
Laki-laki Perempuan Laki-laki Perempuan
Staf 11.232.350 11.589.179 8.670.786 8.560.657
Nonstaf (nonmanajerial) 10.508.960 10.361.750 5.213.285 5.099.788
Cakupan data (% terhadap total pekerja) 50,1%
Catatan:
Besaran gaji pokok pekerja pada level terendah di BCA masih lebih tinggi dibandingkan Upah Minimum Provinsi (UMP) yang berlaku di
seluruh wilayah kantor cabang di Indonesia.
Mendukung Wellbeing Hak Cuti Orang Tua [401-3]
Sebagai wujud nyata kepedulian BCA terhadap Mengacu pada PKB BCA, seluruh pekerja berhak atas
kondisi wellbeing pekerja, BCA menjalankan cuti orang tua atau cuti untuk menyambut kelahiran
program wellbeing melalui 4 Pilar, yaitu Mental anak. Pekerja perempuan berhak mendapatkan
& Physical Wellbeing, Career Wellbeing, Social/ cuti melahirkan selama 3 bulan dan bagi pekerja
Community Wellbeing, dan Financial Wellbeing. perempuan yang mengalami keguguran tidak
Beberapa contoh program atau kebijakan yang disengaja (abortus provocatus) dengan alasan medis
dirancang untuk menunjang kenyamanan bekerja berhak mendapatkan cuti keguguran sampai dengan
dan mendukung wellbeing, di antaranya: 1,5 bulan. Sementara itu, pekerja laki-laki yang
1. Kebijakan jam kerja fleksibel yang diterapkan mendampingi istri sah melahirkan diberikan izin tidak
untuk seluruh pekerja di Kantor Pusat dari unit masuk kerja selama 3 hari kerja tanpa mengurangi
kerja non operasional layanan. cuti tahunannya dan apabila istrinya mengalami
2. Bekerja dari BCA Touchpoint (lokasi kerja resmi di keguguran, pekerja laki-laki akan diberikan izin tidak
luar kantor utama) yang diterapkan untuk pekerja masuk kerja selama 4 hari kerja tanpa mengurangi
di Kantor Pusat dari unit kerja non operasional cuti tahunan.
layanan nasabah.
3. Fasilitas rekreasi yang direalisasikan dalam
bentuk anggaran biaya rekreasi yang dikoordinasi Lingkungan Kerja yang Aman
di masing-masing unit kerja. dan Layak
4. Fasilitas layanan konseling untuk mendukung
kesehatan mental para pekerja. Panduan Respectful Workplace
5. Fasilitas kegiatan olahraga dan seni yang dikelola BCA berkomitmen menciptakan lingkungan kerja
oleh Badan Koordinasi Olahraga, Seni dan Hobi yang sehat, aman, produktif, dan saling menghormati
(BAKORSENI) untuk mendukung keseimbangan dengan menolak segala bentuk diskriminasi,
pola hidup sehat pekerja. pelecehan, kekerasan, atau perilaku negatif lainnya.
6. Menyediakan aplikasi MySaku untuk mendukung Pada tahun 2024, kami menyusun Respectful
wellbeing pekerja melalui pengumpulan poin yang Workplace Policy (RWP) untuk mendukung proses
berasal dari partisipasi pekerja pada kegiatan bisnis dalam membangun lingkungan kerja inklusif,
tertentu di BCA. Poin MySaku dapat ditukarkan adil, dan aman. Kebijakan ini disusun berdasarkan
menjadi barang/jasa yang dapat mendukung standar HAM dan ketenagakerjaan nasional maupun
wellbeing pekerja. internasional, serta melengkapi kebijakan HAM
7. Menyediakan ruang laktasi untuk memberikan internal BCA.
kenyamanan bagi pekerja wanita pada masa
pemberian ASI. Kebijakan ini akan diterapkan tidak hanya dalam
8. Program Flexible Benefit bagi pekerja untuk lingkungan kerja BCA, tetapi juga mencakup
dapat menukarkan bagian kesehatan dari benefit seluruh aktivitas dan situasi yang melibatkan
yang disediakan oleh perusahaan dengan benefit atau berhubungan dengan BCA, baik secara
lain yang lebih sesuai dengan kebutuhan masing- langsung maupun tidak langsung, seperti hubungan
masing pekerja. antarpekerja, baik dengan status tetap, tidak tetap,
alih daya, magang, trainee, hubungan dengan
nasabah, serta pihak ketiga seperti mitra kerja/
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 103
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
vendor/pemasok. Hal ini mencakup berbagai aspek Panitia Pembina Keselamatan dan
operasional serta interaksi bisnis perusahaan, Kesehatan Kerja (P2K3) [403-4]
memastikan penerapan prinsip saling menghargai di BCA berkomitmen untuk menciptakan lingkungan
setiap konteks kerja yang terkait dengan BCA. kerja yang aman dan sehat secara berkelanjutan,
oleh karena itu manajemen membentuk Tim Panitia
Setiap organ tata kelola di BCA memiliki tanggung Pembina Keselamatan dan Kesehatan Kerja (P2K3)
jawab masing-masing yang disesuaikan berdasarkan yang telah ditetapkan oleh Kemnaker sesuai
tingkat manajemen serta jabatan struktural dan peraturan perundangan. Tim P2K3 memiliki peran
fungsional yang ada di perusahaan. Hal ini bertujuan penting dalam membantu manajemen merancang
untuk memastikan bahwa setiap peran memiliki dan mengembangkan program-program strategis
kewajiban yang selaras dengan tanggung jawabnya yang bertujuan meningkatkan penerapan K3 di
dalam mendukung implementasi kebijakan. Direksi seluruh lingkungan kerja BCA. Struktur organisasi
BCA bertanggung jawab memastikan implementasi P2K3, termasuk rincian tugas dan tanggung jawab
Kebijakan Respectful Workplace akan berjalan setiap anggotanya, telah disusun secara jelas dan
efektif melalui pemantauan, peninjauan, dan evaluasi komprehensif dalam Kebijakan SMK3. Keberadaan
berkala, serta melakukan penyesuaian jika diperlukan P2K3 ini tidak hanya memastikan kepatuhan terhadap
untuk menjaga relevansi dan efektivitasnya. regulasi K3 yang berlaku, tetapi juga berkontribusi
pada penciptaan budaya kerja yang aman, sehat,
Keselamatan dan Kesehatan Kerja (K3) dan produktif di seluruh unit kerja perusahaan. BCA
[403-1, 403-7, 403-8] secara rutin melaporkan kegiatan terkait K3 kepada
BCA telah memiliki Kebijakan Sistem Manajemen Disnakertransgi DKI Jakarta setiap tiga bulan.
Keselamatan dan Kesehatan Kerja (SMK3) dengan SK
No. 165/SK/DIR/2019 perihal Penerapan SMK3 yang Identifikasi Bahaya, Investigasi Insiden,
disusun sejalan dengan Undang-Undang tentang dan Pencegahan Risiko K3
Keselamatan Kerja dan Ketenagakerjaan, Peraturan [403-2, 403-4, 403-7, 403-9]
Pemerintah tentang Penerapan Sistem Manajemen BCA menerapkan sistem manajemen K3 guna
Keselamatan dan Kesehatan Kerja, Peraturan meminimalkan kecelakaan kerja dan mengurangi
Menteri Kesehatan RI tentang Standar Keselamatan absensi pekerja akibat penyakit ataupun cedera. Tim
dan Kesehatan Kerja Perkantoran. Kebijakan SMK3 K3 telah melakukan identifikasi Risiko K3 di tempat
tersedia di portal resmi BCA sehingga dapat diakses kerja kami yang dipengaruhi dengan kondisi gedung
oleh seluruh pemangku kepentingan. Selain itu, kami kantor, alat transportasi, arus listrik, dan bencana
juga memiliki kebijakan perlindungan pekerja yang alam seperti gempa bumi dan banjir. Tindakan yang
tercantum dalam PKB Pasal 42, 47, 49, 57 Ayat 1, 58 dilakukan BCA untuk mencegah potensi bahaya di
Ayat 2, dan 59 Ayat 2, serta mengacu pada Undang- tempat kerja ialah bekerja sama dengan pengelola
Undang No. 13 Tahun 2003 Pasal 86 Ayat 2, yang gedung dan petugas keamanan untuk memastikan
mengatur perlindungan keselamatan pekerja guna fasilitas kerja bebas dari kerusakan teknis serta
mencapai produktivitas kerja yang optimal. dilengkapi dengan alat pemadam api ringan.
Secara rutin, simulasi kebakaran dan bencana alam
BCA memastikan bahwa seluruh kantor BCA dilakukan bersama pengelola gedung di seluruh
menerapkan SMK3 yang mengacu pada kebijakan kantor cabang. Selain itu, gedung BCA dilengkapi
SMK3, melalui survei dan asesmen gedung BCA yang dengan alarm sebagai sistem peringatan dini untuk
secara langsung dilakukan oleh Biro Occupational meningkatkan kewaspadaan dan mencegah korban
Health & Safety (K3), maupun secara mandiri akibat bencana. Tim Tanggap Darurat dari unit kerja
dilakukan oleh Tim Pelaksana K3 unit kerja. Semua terkait bertanggung jawab untuk merencanakan dan
pemangku kepentingan yang berada di lingkungan melakukan uji coba tanggap darurat serta menjamin
kerja BCA diimbau untuk bersama-sama mencegah prosedur ini diketahui oleh semua pekerja BCA
insiden terkait keselamatan dan kesehatan kerja (K3). dan pekerja alih daya yang bekerja di area BCA.
Biro Occupational Health & Safety (K3) bertanggung Penerapan SMK3 ini bertujuan untuk menciptakan
jawab terhadap seluruh aspek SMK3, termasuk lingkungan kerja yang aman, kondusif, produktif,
menyusun, mengembangkan, dan memonitor serta mengurangi tingkat absensi pekerja.
penerapan SMK3. Kinerja K3 setiap tahunnya akan
dilaporkan kepada Direktur yang membawahi
Manajemen Risiko.
104 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Persentase Tingkat Absensi Pekerja konseling dengan psikolog, dan edukasi kesehatan.
2,6% Fasilitas ini dikelola oleh Divisi Human Capital
Management (HCM), dan pekerja beserta keluarga
dapat memperoleh manfaat kesehatan seperti
rawat inap, rawat jalan, dan pemeriksaan kesehatan
1,4% lainnya seperti persalinan, kacamata, perawatan
1,0% gigi, pemeriksaan laboratorium, pemeriksaan medis
berkala, dan pap smear. Salah satu upaya untuk
mengurangi risiko penyakit akibat kerja (PAK), yaitu
dengan menyediakan kursi dan meja kerja yang
2022 2023 2024 ergonomis, kualitas lingkungan kerja yang layak, dan
edukasi dengan materi antara lain berupa video dan
Prosedur untuk menginvestigasi dan menangani poster terkait ergonomi perkantoran, serta langkah
insiden di tempat kerja mengacu pada Manual peregangan saat bekerja.
Prosedur SMK3 terkait penanganan masalah K3.
Jika terjadi insiden/kecelakaan kerja, pekerja yang Pekerja yang berusia 40 tahun ke atas berhak
mengetahui insiden tersebut dapat meminta bantuan mendapatkan fasilitas Medical Check-Up (MCU)
Petugas K3 untuk memberikan pertolongan pertama setiap tahun, yang dapat dilakukan di rumah sakit,
pada korban bila diperlukan. Petugas K3 dapat klinik, atau laboratorium yang bekerja sama dengan
menindaklanjuti pertolongan dengan membawa BCA.
korban mendapatkan perawatan selanjutnya, baik ke
unit gawat darurat rumah sakit maupun membantu Komunikasi dan Pelatihan K3 [403-5]
proses klaim asuransi. Tim Investigasi Insiden yang Untuk meningkatkan awareness karyawan
telah ditetapkan manajemen melakukan proses terhadap K3, BCA memfasilitasi seluruh karyawan
investigasi, penetapan penyebab dasar kecelakaan, dengan media pembelajaran e-learning K3,
penentuan rekomendasi, serta pelaporan hasil menyelenggarakan sosialisasi K3 secara daring,
investigasi kepada kepala unit kerja dan manajemen maupun pelatihan keselamatan dan kesehatan
BCA. secara luring kepada Tim Tanggap Darurat dan
Petugas P3K untuk memastikan pemahaman
BCA mendukung K3 untuk pelaksanaan tugas prosedur K3 oleh semua pekerja sehingga mereka
ekspedisi, kurir, dan akan dilengkapi dengan mampu mengidentifikasi dan mengatasi potensi
perlengkapan keselamatan kerja, seperti helm bahaya secara mandiri. Setiap tahun, BCA juga aktif
SNI, jaket, jas hujan, dan tas. Selain itu, BCA juga menyuarakan pola hidup sehat, termasuk kesehatan
memberikan penggantian biaya untuk pembuatan mental. Selain itu, BCA juga mendorong pekerja
atau perpanjangan surat izin mengemudi pekerja. untuk menjaga pola hidup sehat dengan bergabung
dalam berbagai program kesehatan yang dikelola
Akses Fasilitas dan Konsultasi Kesehatan oleh BAKORSENI. Di 2024, kami menyelenggarakan
[403-3, 403-4, 403-6, 403-10] berbagai kegiatan edukasi kesehatan yang
BCA menyadari pentingnya kesehatan bagi disampaikan kepada pekerja, dengan topik-topik
produktivitas pekerja, sehingga berupaya di antaranya kesehatan paru, mata, nyeri punggung,
menyediakan tempat kerja yang aman dan layak. kanker, manajemen stres, sosialisasi pedoman makan
Fasilitas kesehatan yang tersedia di BCA meliputi yang sehat, dan kesehatan mental di tempat kerja.
BPJS Kesehatan, asuransi kesehatan, layanan
Fire Drill di gedung kantor BCA. Kegiatan medical check-up gratis untuk karyawan BCA.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 105
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Jaminan Hari Tua Mencegah Kekerasan dan
Pelecehan
Pelatihan di Masa Purnabakti [404-2]
BCA menerapkan kebijakan pensiun pada usia Satuan Tugas Pencegahan dan
maksimal 55 tahun. Pekerja yang telah mencapai Penanganan Kekerasan Seksual
usia 50 tahun dapat berpartisipasi dalam program Sebagai bentuk upaya pencegahan, penanganan, dan
Ring the Bell, sementara pekerja berusia 54 tahun perlindungan dari segala bentuk kekerasan seksual
dapat mengikuti program Beautiful Life. Menjelang di tempat kerja, pada tahun 2024 BCA menerbitkan
pensiun, pekerja akan diberikan pelatihan tentang Surat Keputusan Direksi dengan No. 076/SK/
kesehatan, investasi, pengelolaan keuangan, serta DIR/2024 tentang Pembentukan Satuan Tugas
keterampilan untuk mengembangkan usaha setelah Pencegahan dan Penanganan Kekerasan Seksual di
pensiun. Meskipun ada kebijakan pensiun, BCA tetap Tempat Kerja. Pembentukan satgas menjadi salah
menghargai kontribusi pekerja yang ingin terus satu komitmen BCA dalam menanggapi Keputusan
berkarya dengan menawarkan kesempatan kerja Menteri Ketenagakerjaan No. 88 Tahun 2023 tentang
sama seperti mewakili BCA dalam penandatanganan Pedoman Pencegahan dan Penanganan Kekerasan
akad kredit, memberikan pendampingan, serta Seksual di Tempat Kerja. Satuan tugas ini dibentuk
berbagi pengetahuan kepada pekerja aktif. untuk menciptakan lingkungan kerja yang aman,
Pensiunan dari level manajerial juga diberi peluang nyaman, dan bebas dari tindak kekerasan seksual.
untuk kembali bekerja sebagai staf ahli yang
membantu komite di bawah Dewan Komisaris, Saluran Komunikasi dan Mekanisme
dengan mempertimbangkan prestasi dan kebutuhan Pengaduan SDM
perusahaan. BCA menyediakan saluran pengaduan terkait
ketenagakerjaan dan hubungan industrial melalui Halo
Pensiun [201-3] SDM (6690000), yang dapat diakses melalui jaringan
Program dana pensiun tersedia bagi pekerja telepon internal BCA atau melalui e-mail ke halo_sdm@
yang telah memasuki usia pensiun, dengan skema bca.co.id. Pengaduan juga dapat disampaikan melalui
pembayaran iuran yang dibagi antara perusahaan dan whistleblowing system (WBS). Kerahasiaan laporan
pekerja. Seluruh pekerja tetap BCA berhak mengikuti akan dilindungi dan akan memberikan sanksi tegas
program ini, dengan perusahaan menanggung 5% kepada pelanggar/pihak yang terbukti bersalah, seperti
dan pekerja menanggung 3% dari total iuran. Program surat peringatan, demosi, atau pemutusan hubungan
dana pensiun ini dikelola oleh lembaga dana pensiun kerja. Kami melarang segala bentuk pelecehan seksual
yang didirikan oleh BCA. Estimasi dana pensiun dapat maupun nonseksual, serta tidak menoleransi perilaku
ditemukan dalam laporan tahunan BCA. tersebut. BCA juga secara rutin memberikan sosialisasi
dan edukasi kepada seluruh pekerja mengenai
Seluruh pekerja didaftarkan dalam program BPJS antidiskriminasi dan antipelecehan. Pekerja yang
Ketenagakerjaan untuk Jaminan Hari Tua (JHT) dan menyaksikan atau menerima tindakan pelecehan dapat
Jaminan Pensiun (JP) dengan skema pembayaran melaporkan kepada atasan langsung atau unit SDM di
bulanan yang melibatkan kontribusi perusahaan dan kantor wilayah/kantor pusat, dan pelaku akan dikenakan
pekerja sesuai ketentuan pemerintah. Persentase sanksi sesuai aturan yang berlaku.
iuran untuk BPJS JHT adalah 3,7% dari perusahaan
dan 2% dari pekerja, sementara untuk BPJS JP, Prosedur Eskalasi Pengaduan SDM
perusahaan menyetor 2% dan pekerja 1%. Kasus-kasus terkait diskriminasi, pelecehan, atau
sejenisnya akan diselesaikan melalui mekanisme
Selain itu, kami juga memiliki program Iuran Sukarela eskalasi yang melibatkan Komite Pertimbangan
Dana Pensiun BCA (DP BCA). Bagi peserta yang Kasus Kepegawaian (KPKK). Komite ini, yang berada
ingin meningkatkan akumulasi dananya di DP BCA di bawah pengawasan Direksi dan dipimpin oleh
akan diberikan kesempatan untuk menambah iuran Kepala Divisi Human Capital Management, bertugas
sukarela. Besarnya iuran sukarela adalah berupa memberikan rekomendasi independen kepada Direksi
persentase dari gaji gross bulanan pekerja, dengan mengenai penyelesaian kasus dengan prinsip keadilan
pilihan kelipatan 1% mulai dari 1% hingga 7% . Program dan kesetaraan. Proses ini mencakup penelaahan
ini berlaku sejak 31 Oktober 2022. terhadap pelanggaran atau kejahatan yang dilakukan
oleh pekerja. Hingga akhir tahun 2024, tidak ada
laporan atau kasus terkait pelanggaran kode etik,
norma kesusilaan, atau pelecehan di lingkungan BCA.
106 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Hak Asasi Manusia
Kebijakan & Komitmen HAM HAM. Upaya ini menjadi wujud nyata tanggung
jawab sosial perusahaan dalam menciptakan
BCA menghormati hak asasi manusia (HAM) sebagai lingkungan kerja yang aman, adil, dan inklusif bagi
bagian tak terpisahkan dari budaya keberlanjutan seluruh pemangku kepentingan. Kebijakan HAM BCA
yang diterapkan dalam bisnis dan operasional. BCA dapat diakses pada situs https://www.bca.co.id/-/
memiliki dan menerapkan Kebijakan HAM yang media/Feature/Report/File/Sustainability-Index/
dirancang sesuai dengan peraturan perundang- Kebijakan/20210521Kebijakan-HAM-IND.pdf.
undangan nasional serta standar internasional,
termasuk Universal Declaration of Human Rights
(UDHR), UN Guiding Principles on Business and Uji Tuntas HAM
Human Rights (UNGP), International Bill of Rights,
dan Konvensi-Konvensi Fundamental dari Organisasi Analisis Risiko HAM
Buruh Internasional (ILO). Dalam mendukung kebijakan dan komitmen HAM,
BCA terus mengintegrasikan prinsip-prinsip hak
Kebijakan HAM ini mencerminkan komitmen BCA asasi manusia ke dalam proses operasional BCA
untuk menjalankan bisnis dengan menghormati untuk mencegah atau mengurangi dampak negatif
prinsip-prinsip HAM, memberikan panduan dan yang mungkin ditimbulkan oleh kegiatan bisnis BCA
harapan perlindungan HAM kepada seluruh terhadap hak asasi manusia. BCA juga melakukan
pemangku kepentingan, serta mengurangi dampak uji tuntas hak asasi manusia yang dikembangkan
dari pelanggaran hak asasi manusia. Kebijakan dan diimplementasikan sesuai dengan UN Guiding
tersebut berlaku untuk seluruh kegiatan operasional Principles on Business and Human Rights (UNGP).
BCA (karyawan, aktivitas langsung, dan produk/
layanan), serta pemasok dan mitra bisnis. Sebagai bagian dari proses uji tuntas HAM, BCA
melakukan penilaian risiko dan potensi dampak
Ruang lingkup dan konteks kebijakan HAM BCA HAM dari aktivitas bisnis untuk mengidentifikasi
sesuai dengan ruang lingkup bisnis operasinya di dan menilai risiko utama serta merancang langkah
industri jasa keuangan, termasuk penegakan: pencegahan dan mitigasi. Penilaian risiko dan
1. Tanpa perdagangan manusia dampak tersebut mencakup aktivitas bisnis, operasi,
2. Tanpa kerja paksa dan rantai nilai perusahaan. Langkah proses penilaian
3. Tanpa pekerja anak mencakup identifikasi risiko dan dampak, serta
4. Hak untuk berserikat penilaian prioritas atas risiko dan dampak.
5. Hak dalam perundingan kolektif
6. Remunerasi yang setara 1. Identifikasi Risiko HAM
7. Tidak ada diskriminasi Tahap pertama dalam uji tuntas HAM di BCA adalah
8. Hak dalam perlindungan privasi mengidentifikasi area bisnis yang berpotensi
berdampak pada hak asasi manusia. Selanjutnya,
Pada tahun 2023, BCA menyelenggarakan program dilakukan analisis terhadap risiko HAM, baik yang
komunikasi dan pelatihan terkait HAM termasuk aktual maupun yang berpotensi terjadi di masa
pelatihan kepada Direksi dan Komisaris, serta Komite depan. Dalam proses ini, BCA juga memetakan
perusahaan. Tujuannya adalah untuk meningkatkan pemangku kepentingan yang terdampak oleh
kesadaran dan pemahaman seluruh lapisan risiko-risiko tersebut.
organisasi serta mencegah terjadinya pelanggaran
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Analisis risiko aktual dilakukan dengan mengumpulkan data internal dan informasi terkait melalui berita
dan publikasi. Sementara untuk risiko potensial, digunakan informasi tentang pelanggaran HAM di
sektor keuangan, baik di Indonesia maupun global, serta menilai kemungkinan dampaknya pada industri
perbankan. Pendekatan ini memungkinkan BCA untuk memitigasi risiko dan melindungi hak asasi manusia
dalam operasionalnya secara lebih efektif.
Melalui proses analisis ini, BCA telah memetakan potensi risiko HAM beserta kelompok pemangku
kepentingan yang mungkin terdampak, meliputi:
Kelompok Pemangku Kelompok Rentan Risiko Aktual dan Potensial atas
Kepentingan Pelanggaran
• Pekerja BCA • Perempuan • Hak untuk menikmati kondisi kerja yang adil
• Nasabah • Nasabah dan menguntungkan
• Pekerja mitra bisnis, • Anak-anak • Hak atas kebebasan berserikat
pemasok, dan vendor • Pekerja kontrak pihak ketiga • Hak untuk membentuk dan bergabung dalam
• Pekerja debitur • Penyandang disabilitas serikat pekerja
• Investor dan pemegang • Ibu hamil • Hak perlindungan bagi anak
saham • Lansia • Hak atas pendidikan
• Masyarakat • Masyarakat 3T dan sekitar • Hak untuk tidak menjadi sasaran perbudakan,
operasional penghambaan, atau kerja paksa
• Hak atas privasi
• Hak atas lingkungan kerja yang bebas dari
diskriminasi dan pelecehan
• Hak untuk tidak menjadi sasaran penyiksaan,
perlakuan yang kejam, tidak manusiawi, dan/
atau merendahkan martabat.
• Hak minoritas
• Hak atas kesehatan
• Hak keselamatan di tempat kerja
• Hak atas standar hidup yang layak
2. Penilaian Prioritas Risiko
Setelah risiko HAM diidentifikasi, dilakukan pemetaan untuk menentukan risiko mana yang paling relevan
dan signifikan bagi aktivitas bisnis dan hubungan antar pemangku kepentingan di BCA. Pemetaan ini
berdasarkan pada dua kriteria utama: tingkat keparahan dan kemungkinan terjadinya risiko. Proses
pemetaan dilakukan dengan membuat matriks heat map (5x5). Dari pemetaan tersebut, ditemukan tiga
risiko HAM yang menjadi prioritas bagi BCA untuk diperhatikan, yaitu:
1. Risiko pelanggaran privasi karyawan dan nasabah.
2. Risiko pelanggaran hak pekerja dan perbudakan modern pada pemasok BCA, mencakup kerja paksa
dan kondisi kerja yang tidak adil.
3. Risiko pelanggaran hak pekerja pada debitur BCA meliputi kerja paksa, pekerja anak, diskriminasi,
pelecehan, dan upah yang tidak layak.
Risiko-risiko tersebut dinilai sebagai prioritas untuk BCA dalam menyusun rencana dan evaluasi tindakan yang
sudah maupun perlu dilakukan untuk memitigasi dan mengurangi dampak risiko HAM.
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Penilaian Hak Asasi Manusia Mitigasi dan Remediasi Hak
Asasi Manusia
Komitmen kami untuk menghormati prinsip HAM juga
merupakan kepatuhan terhadap Peraturan Presiden BCA memastikan tindakan pencegahan dan
Nomor 60 Tahun 2023 tentang Strategi Nasional perbaikan yang diperlukan telah dikembangkan
Bisnis dan HAM. BCA secara sistematis melakukan untuk mencegah terjadinya pelanggaran HAM dan
peninjauan dan penilaian atas potensi isu HAM pada mengurangi dampak buruk hak asasi manusia yang
area operasi, rantai nilai, dan aktivitas bisnis. BCA mungkin timbul secara langsung atau tidak langsung
telah melakukan penilaian isu HAM dalam rangka disebabkan oleh operasi bisnis.
tanggung jawab sosial dan bisnis bank sejak tahun
2021. Penilaian isu HAM dilakukan minimal setiap tiga 1. Prioritas dan Mitigasi Risiko
tahun untuk mengidentifikasi, menilai, mencegah, Berdasarkan proses identifikasi risiko dan dampak
dan mengurangi risiko HAM di 100% area operasional HAM, BCA mengevaluasi dan memprioritaskan
BCA termasuk proses pengadaan, ketenagakerjaan, risiko hak asasi manusia yang mencakup kegiatan
dan aktivitas bank lainnya. Penilaian isu HAM pada di dalam organisasi dan di seluruh rantai nilai.
nasabah dan vendor bertujuan untuk menghindari Penilaian tersebut mengidentifikasi potensi risiko
keterlibatan BCA baik secara langsung maupun tidak utama hak asasi manusia yang menjadi prioritas
langsung dalam kegiatan yang melanggar hak asasi mitigasi BCA saat ini. Dari seluruh potensi risiko
manusia, seperti perdagangan orang, kerja paksa, bisnis yang telah dipetakan oleh BCA, telah
prostitusi, dan penyelundupan tenaga kerja. Penilaian dilakukan mitigasi untuk mengurangi dampaknya,
ini juga dilakukan bertujuan untuk memperhatikan seperti:
risiko bisnis perusahaan yang berkaitan dengan
pelanggaran HAM dan berupaya semaksimal mungkin 1. Pekerja & Nasabah: Terkait Hak Privasi
untuk mencegah dan meminimalisasi risiko terkait Risiko: Bank memiliki potensi risiko
HAM yang mungkin terjadi. Berdasarkan tingkat penyalahgunaan data pribadi karyawan dan
keparahan dan kemungkinan terjadinya potensi risiko nasabah akibat kebocoran data ataupun
HAM di area operasional, didapati kemungkinan yang ketidaksengajaan sehingga menyebabkan
berbeda-beda tergantung penyebab kejadian risiko, pelanggaran atas hak privasi.
jumlah kelompok rentan, dan aktivitas bisnis yang
dilakukan. Mitigasi: Upaya BCA dalam memitigasi
hal tersebut, BCA melakukan pelatihan
BCA juga melakukan penilaian atas isu HAM melalui dan edukasi wajib untuk seluruh karyawan
platform aplikasi Penilaian Risiko Bisnis dan HAM terkait perlindungan data yang dilakukan
(PRISMA) yang dicanangkan oleh Kementerian Hukum dan dievaluasi secara rutin. Proses edukasi
& HAM. Penilaian ini bertujuan untuk mengidentifikasi terkait keamanan data juga dilakukan BCA
dan menilai potensi risiko pelanggaran HAM dalam kepada rantai pasok BCA. Selain itu, BCA
kegiatan bisnis serta meningkatkan kesadaran juga menetapkan ketentuan non-disclosure
perusahaan akan dampak kegiatan bisnisnya agreement (NDA) dan ketentuan procurement
terhadap HAM. Pada tahun 2023, BCA diapresiasi terkait privasi dan keamanan data kepada
karena melakukan penilaian HAM dengan PRISMA rantai pasok BCA.
dan mendapat predikat Hijau, menjadi contoh
best practices dalam sektor perbankan. Setiap 2. Rantai Pasokan: terkait hak-hak pekerja dan
Perusahaan yang mendapat predikat hijau wajib perbudakan modern
mempertahankan kinerjanya dan melakukan Risiko: Bank secara tidak langsung memiliki
penilaian kembali paling lambat dalam 3 tahun sejak potensi untuk berkontribusi terhadap
penilaian terakhir. pelanggaran hak-hak pekerja dan perbudakan
modern melalui transaksi bisnisnya dengan
pemasok yang mengabaikan hak asasi pekerja
mereka, termasuk pekerja wanita, penyandang
disabilitas, dan lainnya. Hal ini dapat berupa
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
pelanggaran regulasi ketenagakerjaan, 2. Pengaduan dan Komunikasi
pelecehan, tindak kekerasan, kondisi kerja Keseriusan kami dalam menegakkan HAM tidak
yang tidak aman dan tidak adil, serta masalah hanya direalisasikan dalam Kebijakan HAM
kesehatan dan keselamatan di tempat serta pelaksanaan uji tuntas dan penilaian HAM.
kerja. Individu yang terkena dampak dapat Kami juga menyediakan saluran komunikasi dan
mencakup pekerja dari pemasok, seperti pengaduan bagi semua pemangku kepentingan
wanita hamil, penyandang disabilitas, dan dan kelompok rentan untuk menyampaikan
lainnya. atau melaporkan dugaan pelanggaran HAM
melalui platform internal karyawan, Halo BCA,
Mitigasi: Pada tahun 2024, langkah mitigasi dan whistleblowing system. Semua pengaduan
yang dilakukan BCA untuk hal tersebut ditangani secara rahasia dan dapat secara mudah
adalah dilakukannya penyusunan pedoman diakses oleh seluruh pemangku kepentingan.
pengadaan yang berkelanjutan termasuk di
dalamnya mengatur ketentuan-ketentuan 3. Investigasi dan Remediasi
HAM yang perlu dilakukan pemasok BCA. Setiap pelaporan terkait pelanggaran HAM
akan ditinjau oleh Biro Anti-Fraud sesuai dengan
3. Debitur/Nasabah: terkait hak-hak pekerja ketentuan platform penerima pengaduan. BCA
dan perbudakan modern akan melakukan investigasi untuk mengevaluasi
Risiko: Bank dapat secara tidak langsung masalah, tingkat keparahan, dan serta pemangku
memiliki potensi terlibat dengan memberikan kepentingan yang bertanggung jawab. BCA
pinjaman atau investasi kepada debitur yang berkomitmen untuk mengurangi risiko HAM
gagal menjunjung tinggi hak asasi manusia dan mengambil tindakan pemulihan melalui
pekerjanya. Hal ini dapat mencakup lingkungan serangkaian langkah terstruktur bagi pekerja BCA,
kerja yang tidak aman atau tidak layak, tindak pekerja pemasok, atau para pihak yang menjadi
pelecehan dan kekerasan, kehidupan yang korban pelanggaran HAM. Proses remediasi
layak, risiko kesehatan dan keselamatan, akan dijalankan sesuai dengan peraturan dan
adanya pekerja anak dan kerja paksa, serta mekanisme yang berlaku.
pelanggaran hak pekerja lainnya.
Mitigasi: BCA terus melakukan peningkatan
atas penilaian risiko pembiayaan terkait
aspek lingkungan, sosial, dan tata kelola
debitur dengan mulai menerapkan panduan-
panduan pembiayaan yang mengintegrasikan
pengelolaan dampak lingkungan dan sosial
pada debitur. Selain itu, BCA juga setiap
tahunnya melakukan sosialisasi atas ketentuan
tanggung jawab sosial yang berkembang dan
perlu diimplementasikan oleh debitur.
110 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Berkar
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Mewujudkan Nilai
melalui Bakti BCA
BCA senantiasa berinovasi untuk menghadirkan solusi yang efektif dan relevan dalam menjawab tantangan
lingkungan dan sosial yang dihadapi masyarakat. Upaya ini berlangsung secara komprehensif di bawah
‘payung’ Bakti BCA.
Melalui Bakti BCA, kami meyakini bahwa individu yang memiliki daya dapat memberdayakan komunitas di
sekitarnya. Selanjutnya, komunitas yang berdaya mampu memberikan kontribusi positif terhadap kelestarian
ekosistem. Dengan pendekatan ini, terciptalah siklus lingkaran pengaruh yang saling mendukung dan
berkelanjutan, yang tidak hanya memperkuat komunitas tetapi juga berkontribusi pada pembangunan
berkelanjutan di Indonesia.
Bakti BCA bagi Pembangunan Berkelanjutan Indonesia
Lingkaran pengaruh tersebut diupayakan melalui arah pergerakan Bakti BCA untuk meningkatkan kualitas hidup
dan pembangunan berkelanjutan di berbagai bidang, termasuk pendidikan (Bakti Pendidikan), kesehatan (Bakti
Kesehatan), budaya (Bakti Budaya), pemberdayaan masyarakat (Desa dan UMKM Bakti BCA), serta lingkungan
(Bakti Lingkungan).
Pada tahun 2024, BCA meluncurkan kampanye #BuktiBaktiBCA, ditandai dengan pemutaran perdana
video Bukti Bakti. Video ini dibuat di tiga pulau dengan melibatkan tokoh masyarakat mitra Bakti BCA, dan
memperkenalkan Nicholas Saputra sebagai Duta Bakti BCA untuk memperluas inspirasi dan dampak program
ke berbagai kalangan masyarakat. Informasi lebih lanjut mengenai kampanye ini dapat disaksikan melalui video
bertajuk “Sebuah Kisah Jejak #BuktiBakti BCA” di tautan berikut: https://bca.id/buktibaktibca. Pada tahun
2024, BCA telah menerima penghargaan sebagai Asia's Best CSR di ajang 14th Asian Excellence Award 2024.
Bakti Pendidikan
BCA menjalankan berbagai program yang bertujuan untuk meningkatkan kualitas dan daya saing sumber
daya manusia Indonesia, khususnya generasi muda. Program-program ini dirancang untuk memberikan
pengetahuan, keterampilan, serta pengembangan kompetensi bagi guru, siswa, dan mahasiswa.
112 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Sebaran Program Bakti Pendidikan 2024
Beasiswa Bakti BCA Sekolah Bakti BCA BCA Berbagi Ilmu Literasi Keuangan Program Lainnya
1. Bali New Kuliah Umum 1. Bali PPBP/PPTI
(Universitas Udayana) 1. Bengkulu 1. Bali 2. Banten
2. DI Yogyakarta (SDN 61 Kota Bengkulu (Universitas Udayana) 3. Bengkulu
(Universitas Gadjah + 3 Sister School 2. DI Yogyakarta 4. DI Yogyakarta Magang Bakti BCA
Mada) 2. Kalimantan Timur (Universitas Atma 5. DK Jakarta
3. DK Jakarta (SMAN 3 Penajam Jaya Yogyakarta) 6. Jambi
(Universitas Indonesia, Paser Utara) 3. DK Jakarta 7. Jawa Barat Program SYNRGY
Universitas Nahdatul 3. Nusa Tenggara Timur (Universitas Bina 8. Jawa Tengah
Ulama Indonesia) (SD Inpres Nunumeu Nusantara) 9. Jawa Timur
4. Jawa Barat + 3 Sister School dan 4. Jawa Barat 10. Kalimantan Barat BCA Cash
(Institut Teknologi 25 sekolah program (Institut Teknologi 11. Kalimantan Selatan Management
Bandung, Universitas GASING di Manggarai Bandung, President 12. Kalimantan Tengah Academy
Padjadjaran, IPB Barat) University) 13. Kalimantan Timur
University) 4. Papua Barat Daya 5. Jawa Timur 14. Kalimantan Utara
5. Jawa Tengah (SDN 35 Kota Sorong (Universitas Islam 15. Kepulauan Bangka Pemberdayaan
(Universitas + 2 Sister School) Malang, Universitas Belitung Disabilitas
Diponegoro) Kristen Petra) 16. Kepulauan Riau
6. Jawa Timur Continue 6. Jawa Tengah 17. Lampung
(Institut Teknologi Jawa Timur (Universitas 18. Maluku Kemitraan Beasiswa
Sepuluh Nopember, (SDN 1 Tamansari, Diponegoro) 19. Nusa Tenggara Barat dengan Yayasan KSE
Universitas Airlangga, SMPN 1 Licin, SMAN 1 7. Sulawesi Utara 20. Nusa Tenggara Timur dan UPH
Universitas Wongsorejo) (Universitas Sam 21. Papua
Brawijaya, Universitas Ratulangi) 22. Papua Barat Daya
Muhammadiyah Graduated 8. Sumatra Selatan 23. Riau
Malang) 1. Banten (Universitas Sriwijaya 24. Sulawesi Barat
7. Kalimantan Barat (SDN 1 Taktakan, SDN 25. Sulawesi Selatan
(Universitas 2 Taktakan, SMPN 6 Banking Tour 26. Sulawesi Tengah
Tanjungpura) Kota Serang, SMAN 3 1. Bali 27. Sulawesi Tenggara
8. Kalimantan Timur Serang (BCA KCU Kuta) 28. Sulawesi Utara
(Universitas 2. DI Yogyakarta 2. DK Jakarta 29. Sumatra Barat
Mulawarman) (SDN 3 Semanu, (BCA KCU Wisma 30. Sumatra Selatan
9. Papua SDN Kwangen, SDN Asia) 31. Sumatra Utara
(Universitas Banyubening 1, SDN 3. Jawa Barat
Cenderawasih) Candibaru 2, SDN (BCA KCU Dago)
10. Sulawesi Selatan Ponjong 1, SDN 4. Jawa Tengah
(Universitas Ponjong 2, SMPN 1 (Halo BCA Semarang)
Hasanuddin) Karangmojo, SMPN 5. Sumatra Selatan
11. Sulawesi Utara 1 Ponjong, SMPN 1 (BCA KCU Palembang)
(Universitas Sam Semanu, SMAN 1
Ratulangi) Karangmojo)
12. Sumatra Barat 3. Lampung
(Universitas Andalas) (SDN 1 Gadingrejo,
13. Sumatra Selatan SMPN 1 Gadingrejo,
(Universitas Sriwijaya) SMAN 1 Gadingrejo)
14. Sumatra Utara
(Universitas Sumatra
Utara)
Beasiswa dan Bantuan Pendidikan
Sekolah Binaan Bakti BCA
Program Sekolah Binaan bertujuan untuk mengembangkan dan memberdayakan komunitas sekolah secara
holistik, sehingga menghasilkan sumber daya manusia yang unggul dan berdaya saing. Program ini juga
mendukung program pemerintah dalam peningkatan kualitas pendidikan di Indonesia. Sekolah binaan BCA
tersebar di beberapa kota di Indonesia dari tingkat SD, SMP, sampai dengan SMA. Sekolah Bakti BCA diarahkan
untuk memiliki keunggulan dalam karakter, sains, dan teknologi.
Di tahun 2024, BCA menambah empat sekolah Bakti BCA dan delapan sekolah sister schools menyerahterimakan
17 sekolah Bakti BCA kembali kepada Dinas Pendidikan setempat karena telah berhasil melewati standar
kualitas pembelajaran Nasional. Salah satu contoh Sekolah Binaan Bakti BCA adalah SD Inpres Nunumeu di Nusa
Tenggara Timur yang telah dikunjungi dan menerima apresiasi langsung dari Wakil Menteri Pendidikan Dasar
dan Menengah, Fajar Riza Ul Haq, atas inovasi Science Garden. Inovasi ini merupakan ruang belajar terbuka
yang memicu pembelajaran sains aplikatif dan kecintaan terhadap lingkungan. Program penguatan numerasi
atau literasi matematika juga diberikan kepada 32 guru dan 64 siswa pada 25 sekolah di Manggarai Barat, Nusa
Tenggara Timur, bekerja sama dengan Yayasan Teknologi Indonesia Jaya yang didirikan oleh Prof. Yohanes
Surya, Ph.D.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 113
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Beasiswa Bakti BCA
BCA turut mendukung mahasiswa dalam menyelesaikan pendidikan tingkat universitas dengan memberikan
beasiswa. Selain itu, BCA juga menyelenggarakan pelatihan pengembangan kompetensi berupa program
transformasional, perencanaan keuangan, kunjungan perusahaan, dan lokakarya karier. Pada tahun 2024, BCA
memberikan beasiswa kepada 700 mahasiswa dari 20 universitas dengan kategori bantuan finansial, prestasi
akademik, dan prestasi minat bakat, dengan total dana sebesar Rp7,52 miliar.
National Bootcamp – Every Champion is Unique, The Champion is You
National Bootcamp adalah acara puncak dari Program Beasiswa Bakti BCA 2024. Kegiatan yang digelar secara
hybrid ini menjadi penutup dari rangkaian kegiatan pembinaan dan pengembangan di sepanjang 2024 bagi
seluruh Bakti Champions (Penerima Beasiswa Bakti BCA). Program ini menjadi salah satu upaya Bakti BCA dalam
mendukung pengembangan dan peningkatan daya saing sumber daya manusia, serta mempersiapkan para Bakti
Champions terhadap tantangan masa depan, baik dalam karier maupun kehidupan pascakampus.
BCA Berbagi Ilmu
Melibatkan para Direktur (Leader) BCA sebagai pemateri, program pembangunan kapasitas generasi
muda ini mengangkat berbagai topik seperti kepemimpinan, teknologi, dan pengembangan diri. Kegiatan
ini dilaksanakan dalam bentuk rangkaian kuliah umum di 10 perguruan tinggi dan dihadiri lebih dari 6.900
mahasiswa. BCA juga mengadakan Banking Tour & Sharing di kantor cabang maupun unit kerja kantor pusat,
yang diikuti oleh lebih dari 500 peserta dari tujuh SMA & SMK dan dua perguruan tinggi. Program “BCA Berbagi
Ilmu” juga turut menghadirkan Duta Bakti BCA.
The Beauty of Disabilities: Makeup Class with BCA
Bakti BCA berkolaborasi dengan Yayasan Perempuan Tangguh Mandiri Indonesia (PTI) menyelenggarakan program
pelatihan merias wajah bagi Sahabat Disabilitas (Teman Tuli) bertajuk ”The Beauty of Disabilities: Makeup Class with
BCA". Program ini merupakan bagian dari komitmen BCA untuk meningkatkan kualitas pendidikan dan memberikan
ruang inklusif bagi penyandang disabilitas. Program ini dimulai dengan perekrutan, pelatihan dengan materi teknik
makeup profesional dan hairdo, marketing branding melalui media sosial, dan literasi keuangan yang diakhiri dengan
ujian kompetensi untuk mendapatkan sertifikat dari Badan Nasional Sertifikasi Profesi (BNSP). Kelas diikuti oleh 10 teman
tuli yang juga berkesempatan untuk menjadi Make Up Artist pada Kebaya Fashion Week, Pagelaran Nusantara: Jiwa
Surga Khatulistiwa sebagai bagian dari rangkaian acara Gebyar BCA Merah Putih, dan Indonesia Knowledge Forum.
Program Pendidikan Bisnis & Perbankan dan Program Pendidikan Teknik Informatika
Salah satu keunggulan BCA dalam mendukung pendidikan anak bangsa dan kesiapan mereka dalam bekerja
adalah melalui Program Pendidikan Bisnis & Perbankan (PPBP - sebelumnya dikenal sebagai Program Pendidikan
Akuntansi/PPA) dan Program Pendidikan Teknik Informatika (PPTI). Kedua program pendidikan non-gelar ini
dilaksanakan melalui kerja sama dengan perguruan tinggi terkemuka di Indonesia. Lulusan dari PPBP dan PPTI
langsung diberikan kesempatan untuk bergabung dengan BCA.
Jumlah Peserta dan Lulusan PPBP dan PPTI
Peserta PPBP a) Lulusan PPBP b) Lulusan PPBP b) yang Bergabung ke BCA
2024 264 2024 88 2024 87 (99%)
2023 265 2023 132 2023 131 (99%)
2022 308 2022 132 2022 126 (95%)
Peserta PPTI a) Lulusan PPTI Lulusan PPTI yang Bergabung ke BCA
2024 308 2024 101 2024 100 (99%)
2023 307 2023 60 2023 60 (100%)
2022 267 2022 67 2022 67 (100%)
(100%)
Keterangan:
a)
Peserta tahun 2024 terdiri dari 6 angkatan aktif PPBP dan 9 angkatan aktif PPTI
b)
Lulusan PPBP pada tahun 2023 dan 2022 merupakan data lulusan PPA
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yang Berkelanjutan Laporan Keberlanjutan
Magang Bakti BCA
BCA menawarkan program Magang Bakti BCA bagi lulusan SMA, SMK sederajat, dan sarjana yang tertarik
berkarier di sektor perbankan. Program ini menyediakan posisi seperti customer service officer dan teller.
Pada tahun 2024, terdapat 3.982 peserta baru Magang Bakti BCA, meningkat dari tahun 2023 sebanyak 3.915
peserta.
Program SYNRGY
SYNRGY merupakan inisiatif berbasis pemberdayaan dan pendidikan yang bertujuan mendukung ekonomi
digital di Indonesia dengan meningkatkan kapasitas dan daya saing perusahaan rintisan. Program ini terdiri
dari dua jenis, yaitu SYNRGY Accelerator dan SYNRGY Academy.
SYNRGY Accelerator
SYNRGY Accelerator dirancang untuk mendorong pertumbuhan dan inovasi di ekosistem perusahaan rintisan
yang fokus pada pengembangan usaha digital. Program ini menawarkan pelatihan yang disesuaikan dengan
kebutuhan spesifik setiap perusahaan rintisan, dengan tujuan utama memperkuat ekosistem digital di
Indonesia. Sejak awal terbentuknya di tahun 2019, program ini berhasil memberikan pelatihan pada total 82
perusahaan rintisan.
SYNRGY Academy
SYNRGY Academy, yang bekerja sama dengan Binar Academy, menyediakan beasiswa dan pelatihan untuk
meningkatkan kapasitas serta kompetensi dalam bidang teknologi informasi dan komunikasi. Pada tahun
2024, program ini berhasil mendidik 292 peserta. Setelah menyelesaikan akademi, BCA akan membantu
alumni dalam mencari pekerjaan dan memberikan kesempatan untuk bergabung dengan grup BCA.
BCA Cash Management Academy
BCA Cash Management Academy berkolaborasi dengan berbagai SMK di seluruh Indonesia untuk
mempersiapkan generasi muda yang siap bekerja. SMK yang terpilih mendapatkan dukungan berupa alat
praktik, seperti uang dummy, alat hitung uang, mesin sortir uang, mesin ATM dan CRM, serta mobil operasional
pengantaran uang. Di tahun 2024, program ini melibatkan 3.687 peserta, dengan 325 peserta terpilih yang
akan melaksanakan program magang selama 6 bulan di berbagai vendor BCA.
Literasi Keuangan [FS16][FN-CB-240a.4]
BCA berkomitmen untuk memberikan dampak positif melalui edukasi literasi keuangan kepada masyarakat
Indonesia guna mendukung pengembangan perekonomian nasional dalam jangka panjang. Literasi keuangan
diharapkan dapat meningkatkan kemampuan masyarakat dalam mengelola keuangan, membangun usaha, dan
merencanakan keuangan untuk masa depan. Untuk mencapai sasaran edukasi literasi keuangan yang masif
dan merata, pada tahun 2024 BCA membangun sebuah media pembelajaran digital berupa e-learning Literasi
Keuangan (https://literasikeuangan.id/). Melalui platform e-learning ini, perluasan wilayah sasaran dan jumlah
literasi keuangan diharapkan dapat meningkat secara bertahap di masa mendatang.
>230.000 >1.000 252 544
masyarakat kegiatan cabang Jumlah karyawan
peserta edukasi pelaksana literasi duta literasi
literasi keuangan keuangan keuangan
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 115
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Program Edukasi Literasi Keuangan BCA dilaksanakan secara nasional dengan melibatkan gerakan sukarela
dari pekerja BCA dan berbagai pihak eksternal seperti OJK Daerah, akademisi, financial planner, dan tenaga
ahli di bidang keuangan lainnya yang dilakukan baik secara offline maupun online. Program ini ditujukan untuk
berbagai kalangan, termasuk pelajar, mahasiswa, guru, dosen, UMKM, pekerja sektor informal, serta melalui
SiMolek (Sarana Informasi Mobil Literasi dan Edukasi Keuangan) untuk menjangkau lebih banyak masyarakat.
BCA menjalankan program literasi keuangan yang menjangkau berbagai segmen masyarakat sebagai bagian
dari komitmen mendukung inklusi keuangan. Bagi individu berpenghasilan rendah atau marjinal, program literasi
berfokus pada edukasi pengelolaan keuangan pribadi, seperti penyusunan anggaran, pentingnya menabung,
dan penggunaan produk keuangan secara tepat. Untuk generasi muda, BCA memberikan pemahaman tentang
keuangan digital, investasi, dan manajemen keuangan sejak dini guna mempersiapkan mereka menghadapi
tantangan ekonomi masa depan.
Selain itu, BCA menjangkau komunitas unbankable dengan edukasi manfaat dan aksesibilitas layanan
perbankan, mendorong mereka untuk terintegrasi ke dalam sistem keuangan formal. Dengan inisiatif ini, BCA
mendukung pembangunan ekonomi berkelanjutan dengan menciptakan ekosistem masyarakat yang memiliki
literasi finansial memadai dan akses ke layanan perbankan.
Apresiasi OJK dalam Pelaksanaan Kegiatan Literasi Keuangan
BCA menerima Satu Rekening Satu Pelajar (KEJAR) Award dari Otoritas Jasa Keuangan (OJK) untuk kategori
Implementasi Terbaik, kelompok Bank Umum Konvensional. Penghargaan ini diterima langsung oleh Direktur BCA
Antonius Widodo di acara pencanangan Gerakan Nasional Cerdas Keuangan (GENCARKAN). Pada kesempatan yang
sama, BCA juga menjadi finalis KEJAR Award Kategori Bank Pencapaian KEJAR Terbaik dalam rangka Hari Indonesia
Menabung.
Pelatihan Literasi Keuangan Berkelanjutan untuk Desa Binaan Bakti BCA
dan Program UMKM Go Export
Sebagai wujud komitmen terhadap pembinaan berkelanjutan, BCA memberikan pelatihan keuangan bagi 14
Desa Binaan Bakti BCA, 26 Pelaku UMKM di dalam Desa, dan 58 Peserta Program UMKM Go Export. Program ini
dirancang untuk meningkatkan keterampilan masyarakat dalam manajemen keuangan usaha, meliputi pengelolaan
keuangan, penyusunan laporan keuangan sederhana, pengenalan produk keuangan, hingga pencatatan keuangan
secara digital melalui aplikasi SI APIK. Sedangkan untuk peserta UMKM Go Export mendapatkan pembinaan
pengelolaan keuangan dalam mengalkulasikan biaya ekspor.
1 2 3 4
5 6
1. Wakil Presiden Direktur BCA, Armand W. Hartono dan Duta Bakti BCA, Nicholas Saputra mengisi kuliah umum BCA Berbagi Ilmu di Universitas
Diponegoro. | 2. Pelatihan MUA Bakti BCA. | 3. Kesempatan MUA Bakti BCA merias salah satu Puteri Indonesia. | 4. Sekolah Bakti BCA di timur
Indonesia. | 5. Literasi Keuangan di Institusi Pendidikan. | 6. Sharing session di National Bootcamp Beasiswa Bakti BCA bersama Najwa Shihab.
116 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Bakti Kesehatan
Program Penurunan Stunting
BCA mendukung upaya penurunan stunting di Indonesia melalui dua program strategis yang saling melengkapi,
PASTI (Partnership to Accelerate Stunting Reduction in Indonesia) dan "Ayo Cegah Stunting". Program PASTI
berfokus pada pada tingkat nasional melalui kolaborasi multi-stakeholder, dengan komitmen donasi senilai
USD 1 juta selama 2023–2026. Hingga akhir tahun 2024, BCA telah menyalurkan Rp7,5 miliar untuk mendukung
penurunan stunting di empat provinsi prioritas, yaitu Banten, Jawa Timur, Nusa Tenggara Timur, dan Kalimantan
Barat.
Pencapaian PASTI melalui kolaborasi multi-stakeholder untuk periode 2023-2024
4.238 Balita mendapat
intervensi gizi 5.718 Remaja dan calon
pengantin menerima
edukasi kesehatan
12.233 Orang tua mengikuti
kegiatan komunikasi
reproduksi & perubahan perilaku
pencegahan stunting
Pencapaian "Ayo Cegah Stunting"
19 Unsur masyarakat dilatih untuk
menjadi local champions
pencegahan stunting
40 Masyarakat terlibat
aktif dalam pencarian
solusi berbasis data
50 Remaja mendapatkan
edukasi langsung melalui
program Sekolah Lapangan
53 Kader posyandu dilatih
untuk meningkatkan
pelayanan kesehatan & gizi
851 Masyarakat
berpartisipasi dalam
kegiatan awal Ayo
masyarakat Cegah Stunting
Sementara itu, ”Ayo Cegah Stunting” berfokus pada pemberdayaan komunitas lokal di tingkat desa, dimulai
pada akhir 2024 di Sumatra Barat dan Nusa Tenggara Barat. Program ini melatih tokoh masyarakat dan remaja
sebagai agen perubahan untuk menemukan solusi yang sesuai dengan kebutuhan nyata masyarakat. Langkah
awal mencakup penelitian mendalam untuk memahami kondisi lokal dan penyusunan panduan kegiatan yang
akan diimplementasikan pada 2025.
Program Kesehatan Mata
Sejak 2001, BCA konsisten berkontribusi pada peningkatan kesehatan mata masyarakat Indonesia melalui
program operasi katarak yang bekerja sama dengan Seksi Penanggulangan Buta Katarak Perhimpunan Dokter
Spesialis Mata Indonesia (SPBK Perdami). Sepanjang tahun 2024, program ini telah membantu 1.010 penerima
manfaat di lima provinsi, memulihkan penglihatan, dan meningkatkan produktivitas ekonomi serta kualitas
hidup mereka. Selain itu, BCA memberikan bantuan empat unit alat operasi katarak kepada Perdami untuk
meningkatkan kapasitas pelayanan medis mereka.
Sebagai langkah pengembangan, BCA juga memperluas cakupan program dengan menyediakan pemeriksaan
mata presbiopi, membagikan 699 kacamata baca kepada masyarakat, dan memberikan edukasi kesehatan
mata kepada 100 siswa SD dan SMP.
1.010 Rp1,5Miliar
Pasien katarak yang berhasil dioperasi, Nilai bantuan alat
termasuk yang berusia produktif dan/atau operasi katarak ke
sangat bergantung pada orang lain Perdami
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Klinik Binaan dan Bakti Sosial Layanan Kesehatan
BCA mendukung pelayanan kesehatan masyarakat dengan menyediakan subsidi layanan pengobatan dan
Keluarga Berencana (KB) di dua klinik binaan, yaitu Praktik Dokter Duri Utara di Tambora, Jakarta Barat, dan
Klinik Bakti Medika di Mangga Dua Selatan, Jakarta Pusat.
11.831 1.789
pasien menerima keringanan biaya pasien menerima
berobat umum keringanan biaya KB
Selain itu, bertepatan dengan HUT BCA dan Hari Kemerdekaan RI, BCA menyediakan pemeriksaan kesehatan
gratis bagi 455 warga di sekitar klinik binaan, termasuk deteksi hipertensi, diabetes, kolesterol, dan asam urat
untuk membantu mereka mendeteksi penyakit sejak dini.
Donor Darah
BCA telah secara konsisten bekerja sama dengan Palang Merah Indonesia (PMI) untuk melaksanakan program
donor darah secara rutin sejak tahun 1990. Pada tahun 2024, terkumpul 2.211 kantong darah melalui kegiatan
donor darah yang diselenggarakan di Kantor Pusat maupun di beberapa cabang BCA.
Konsistensi Tanpa Henti, BCA Raih Penghargaan dari PMI
Berkat konsistensinya menggelar kegiatan donor darah, BCA meraih
penghargaan dari PMI Jakarta sebagai salah satu instansi yang aktif melakukan
donor darah periode 2023-2024. Penyerahan penghargaan dilakukan oleh Ketua
Umum PMI Pusat Muhammad Jusuf Kalla dan Ketua PMI Jakarta Rustam Effendi.
1 2 4
3
5 1. Direksi BCA menghadiri kegiatan donor darah. | 2. Karyawan BCA menjadi
peserta kegiatan donor darah di kantor BCA. | 3. Pemberian kacamata gratis bagi
masyarakat yang membutuhkan. | 4. Kegiatan operasi katarak gratis. | 5. Edukasi
kesehatan dan pencegahan stunting bagi remaja.
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yang Berkelanjutan Laporan Keberlanjutan
Bakti Budaya
Program Pelestarian Budaya
BCA berkomitmen mendukung pelestarian seni, tradisi, dan kearifan lokal Indonesia melalui berbagai inisiatif,
mencakup pelestarian seni pertunjukan, warisan budaya, dan pemberdayaan komunitas lokal agar budaya
tetap relevan dan berkembang secara berkelanjutan.
Seni, Budaya, dan Tradisi Nusantara
Sebagai bagian dari rangkaian acara Gebyar BCA Merah Putih, BCA mempersembahkan Pagelaran Nusantara:
Jiwa Surga Khatulistiwa di Ramayana Ballet Prambanan, Yogyakarta pada Agustus 2024. Acara ini merayakan
kekayaan budaya Indonesia melalui kolaborasi tari, musik, dan teater yang melibatkan 120 penampil dari
sanggar dan sekolah Bakti BCA, komunitas seni, serta seniman profesional. Penampilan ini menciptakan
pengalaman budaya yang memukau bagi 1.114 penonton, termasuk 306 pelajar, sehingga dapat memperkuat
daya tarik dan apresiasi generasi muda terhadap seni budaya.
Sebagai bagian dari proses kreatif, para siswa Sekolah Bakti BCA dan komunitas seni mengikuti rangkaian
latihan intensif bersama seniman untuk meningkatkan pengetahuan dan keterampilan dalam seni pertunjukan,
sekaligus menanamkan nilai profesionalisme dan kepercayaan diri.
Dampak Program Pagelaran Nusantara: Jiwa Surga Khatulistiwa
Ekonomi Memberikan pendapatan langsung kepada 98 penampil, 22 musisi, 72 anggota tim
produksi, dan 15 pembuat kostum.
Sosial Meningkatkan keterampilan, kepercayaan diri, dan kolaborasi peserta dengan
seniman profesional.
Pendidikan Proses transfer pengetahuan budaya kepada siswa sekolah Bakti BCA, dilengkapi
sertifikat resmi dari Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi
Inklusi Sosial Melibatkan komunitas disabilitas sebagai penata rias, memperkuat komitmen
terhadap inklusivitas.
Pembinaan Wastra Warna Alam
Pada tahun 2024, BCA memperluas pelatihan pewarnaan alami untuk tenun ke Baduy, Banten dan Sumba
Timur, NTT, setelah sebelumnya sukses di Timor Tengah Selatan. Program ini melibatkan 15 peserta di Baduy
yang menghasilkan 179 kain dan 50 peserta di Sumba dengan 94 kain. Inisiatif ini tidak hanya bertujuan
mengurangi penggunaan bahan kimia, tetapi juga melestarikan sumber daya alam dan menjaga keberlanjutan
warisan budaya tenun khususnya bagi generasi muda. Program ini juga melibatkan partisipasi kaum laki-
laki yang jarang terjadi dalam proses tenun tradisional, sehingga memperkuat kolaborasi lintas gender dan
memastikan pewarnaan alami tetap diwariskan. Melalui inisiatif ini, para penenun memperoleh peningkatan
nilai produk, akses pasar yang lebih luas, pendapatan yang lebih baik, serta mendukung pelestarian budaya
dan kesejahteraan masyarakat lokal secara berkelanjutan.
1 2 3
1. Duta Bakti BCA, Nicholas Saputra mengisi monolog dalam pagelaran Nusantara Jiwa
Surga Khatulistiwa. | 2. Pagelaran Nusantara Jiwa Surga Khatulistiwa dipersembahkan
oleh kolaborasi sanggar budaya dan siswa Sekolah Bakti BCA. | 3. Pembinaan wastra
warna alam diikuti oleh para perajin wastra.
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pemberdayaan
Ekonomi Masyarakat
BCA mendukung pemberdayaan ekonomi lokal dengan menjalankan program pendampingan masyarakat
yang bertujuan untuk mendorong kemandirian yang berkelanjutan.
Desa Bakti BCA [203-1, FS13][FN-CB-240a.3]
BCA terus memperluas dampaknya melalui penguatan kapasitas desa binaan, memberikan akses finansial,
perluasan akses pasar dan strategi promosi, mendukung ketahanan pangan melalui pembinaan penanaman
bahan pangan, serta melakukan revitalisasi kebun kopi.
Desa Binaan Desa Mitra
Sumatra Sumatra Nusa Tenggara Timur
Desa Wisata Limbongan Desa Wisata Kampung Warna Warni Tigarihit Desa Wisata Prai Ijing Tebara
Desa Wisata Nagari Silokek Desa Wisata Dayun
Desa Wisata Kampung Adat Nagari Sijunjung Desa Wisata Teluk Kiluan Maluku
Desa Wisata Bukit Peramun Desa Wisata Pahawang Desa Wisata Negeri Laha
Desa Wisata Kreatif Terong
Desa Wisata Kelubi Jawa Sulawesi
Desa Wisata Patakbanteng Desa Wisata Kakaskasen Dua
Jawa Desa Wisata Pecinan Glodok Desa Wisata Malangga
Kampung Batik Gemah Sumilir Desa Wisata Saba Budaya Baduy
Doesoen Kopi Sirap Desa Wisata Situs Cagar Budaya Gunung Padang Kalimantan
Wisata Wayang Dusun Pucung Wukirsari Desa Wisata Semen Desa Wisata Pulau Derawan
Desa Wisata Pentingsari Desa Wisata Edelweiss Wonokitri Desa Wisata Kampung Melayu BML
Wirawisata Goa Pindul
Desa Wisata Tamansari
Bali
Desa Wisata Taro
Nusa Tenggara Barat
Desa Wisata Hijau Bilebante
Di tahun 2024, BCA memberikan pembinaan kepada 30 Desa Bakti, terdiri dari 14 desa binaan dan 16 desa
mitra hasil kolaborasi dengan Kementerian Pariwisata Republik Indonesia. Pendampingan desa wisata yang
dilakukan BCA bertujuan utama untuk mendukung peningkatan kesejahteraan ekonomi masyarakat melalui
peningkatan pendapatan dan peluang kerja di sektor pariwisata dan ekonomi kreatif, dengan mengacu
pada berbagai pedoman resmi, termasuk Peraturan Menteri Pariwisata dan Ekonomi Kreatif No. 9 Tahun
2021 tentang Pedoman Destinasi Pariwisata Berkelanjutan, Keputusan Menteri Pariwisata Republik Indonesia
Nomor KM.143/KD.00/MENPAR/2019 tentang Dewan Pembangunan Pariwisata Berkelanjutan Indonesia
(Indonesia Sustainable Tourism Council), serta standar Global Sustainable Tourism Council (GSTC). Hal ini
memastikan pembinaan dilakukan secara terarah dan sesuai dengan prinsip pariwisata berkelanjutan, terbukti
dari meningkatnya nilai desa binaan Bakti BCA berdasarkan kriteria Desa Wisata Kemenpar. Pada tahun 2024,
12 dari 14 Desa Binaan sudah diklasifikasikan sebagai Desa Wisata Maju dan Mandiri.
Jumlah Pengunjung Desa Binaan Bakti BCA
Sepanjang tahun 2024, desa binaan Bakti BCA mencatat kunjungan sebanyak 291.452 orang. Desa Wisata
Tamansari masih menjadi destinasi dengan jumlah pengunjung terbanyak, yaitu 156.898 orang atau 53,8% dari
total kunjungan. Disusul oleh Desa Wirawisata Goa Pindul dengan 37.478 pengunjung dan Desa Wisata Taro
dengan 31.011 pengunjung. Selama tiga tahun terakhir, desa wisata Bakti BCA telah menarik 778.919 pengunjung.
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Jumlah Tenaga Kerja Desa Binaan Bakti Derawan di Kalimantan sebagai Juara 3 kategori digital,
BCA serta Desa Wisata Negeri Laha di Maluku sebagai juara
Desa binaan Bakti BCA turut berperan dalam 3 klasifikasi Desa Wisata Berkembang.
mendukung pemberdayaan ekonomi masyarakat
setempat. 14 Desa wisata binaan BCA telah Ragam Pembinaan Desa Binaan Bakti BCA
memberikan kesempatan kerja bagi 1.213 tenaga Sepanjang tahun 2024, BCA telah memberikan 76
kerja lokal yang terdiri dari 479 pekerja wisata program pembinaan untuk meningkatkan kualitas
tercantum dalam SK Kepengurusan dan 734 pekerja dan daya saing desa wisata secara berkelanjutan.
di luar SK Kepengurusan. Desa Wisata Kreatif
Terong mencatat jumlah pekerja wisata diluar SK Perluasan Akses Pasar
Kepengurusan dengan jumlah terbesar sebanyak 268 BCA berupaya untuk mendukung perluasan pasar
orang. Kini terdapat tiga Desa binaan Bakti BCA yang melalui akses pada BCA Lifestyle dan berbagai
memiliki pemimpin perempuan, yaitu Desa Wisata platform digital lainnya dengan total nilai transaksi
Pentingsari, Kampung Adat Nagari Sijunjung, dan lebih dari Rp320 juta. Selain itu, pelaksanaan program
Desa Wisata Hijau Bilebante. Selain itu, sebanyak familiarization trip dan sales mission meningkatkan
99,7% merupakan pekerja dengan usia produktif (16- akses pasar dalam negeri dengan nilai transaksi
64 tahun) dan 12% pekerja desa wisata menguasai sebesar lebih dari Rp270 juta. Perluasan akses
bahasa asing. pasar luar negeri juga diberikan melalui kesempatan
partisipasi Desa Binaan Bakti BCA dalam Bali Beyond
Jumlah Pendapatan Desa Binaan Bakti Travel Fair & Wonderful Indonesia Travel Fair dengan
BCA nilai transaksi sebesar lebih dari Rp280 juta. Tidak
Pada tahun 2024, desa binaan Bakti BCA mencatat hanya itu, melalui kerja sama strategis Bakti BCA
pendapatan sebesar Rp13,3 miliar, meningkat dengan jenama perhiasan lokal TULOLA, perajin perak
sebesar 58% dibandingkan tahun 2023, yaitu Rp8,4 I Made Suama dari Desa Taro, Desa Bakti BCA ikut
miliar. Selama lima tahun terakhir, total pendapatan merancang desain dan memproduksi tiga perhiasan
desa binaan telah mencapai Rp28,7 miliar, dalam koleksi “The Dancer” yang dipasarkan ke
menunjukkan kontribusi nyata program ini dalam mancanegara. Kolaborasi ini mendukung akses
mendukung ekonomi lokal. kerajinan perak Desa Taro ke pasar global.
Sertifikasi Profesi
Total pendapatan 13,3
BCA juga berupaya meningkatkan kapasitas
14 Desa Binaan Bakti BCA 8,4
(Rp miliar) sumber daya manusia (SDM) Desa Wisata melalui
pembinaan pengelolaan keuangan dan 51 sertifikasi
4,0 profesi melalui Badan Nasional Sertifikasi Profesi
1,8 (BNSP) seperti sertifikasi Balawista Tirta, Pemandu
1,2
Ekowisata, Pemandu Tubing, dan Pemandu
2020 2021 2022 2023 2024 Outbound.
Pembinaan Skala Internasional
Prestasi Desa Binaan Bakti BCA Pengembangan kapasitas desa skala internasional
Beberapa desa binaan Bakti BCA mendapatkan juga diberikan kepada Desa Wisata Taro dan
penghargaan dan pengakuan dari berbagai pihak, baik Desa Wisata Hijau Bilebante yang berkesempatan
dalam lingkup nasional maupun internasional. Beberapa menghadiri konferensi internasional “The First
di antaranya adalah Desa Wisata Taro dan Desa Wisata UN Tourism Conference on Tourism for Rural
Hijau Bilebante yang memperoleh penghargaan Best Development and The Second Annual Meeting For
Tourism Village-Upgrade Programme dari UN Tourism The Best Tourism Village by UN Tourism Network” di
for Rural Development Programme. Desa Wisata Hoi An, Vietnam, untuk memperluas jaringan dengan
Kreatif Terong di Belitung memenangkan penghargaan anggota Best Tourism Villages dan melakukan studi
Wonderful Indonesia Impact 2024 dari Kementerian banding ke Desa Wisata terbaik di Vietnam.
Pariwisata dan Ekonomi Kreatif. “Anugrah Desa Wisata
Indonesia” (ADWI) 2024 memberikan penghargaan Rumah Pangan Hidup
kepada Desa Wisata Patakbanteng, Wonosobo Pada tahun 2024, BCA menginisiasi program
sebagai Juara 1 kategori resiliensi, Desa Wisata Pulau Rumah Pangan Hidup di empat desa binaan, yaitu
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 121
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Kampung Adat Nagari Sijunjung Sumatra Barat, dari Rp1 miliar, dengan mayoritas pendapatan berasal
Desa Wisata Limbongan Belitung, Wirawisata Goa dari UMKM Kampung Batik Gemah Sumilir yang
Pindul Yogyakarta, dan Desa Wisata Hijau Bilebante mencapai Rp470 juta, atau sekitar 47% dari total
Lombok, untuk meningkatkan pemahaman komunitas pendapatan. Untuk mendukung keberlanjutan UMKM
lokal terkait konsep dan teknis dalam budi daya binaan, BCA memberikan berbagai pembinaan,
tanaman sayur dan pengelolaan sampah. Program ini seperti pelatihan dan perluasan akses pasar.
diikuti oleh 110 pelaku wisata desa binaan dan 200
masyarakat sekitar dengan 78% di antaranya adalah 1. Promosi dan Perluasan Akses Pasar UMKM
perempuan. Melalui program ini, penduduk desa Binaan Bakti BCA
wisata menanam 179.690 bibit sayur dan memperoleh Bakti BCA memfasilitasi promosi dan perluasan
Rp86 juta dari hasil panen, berpotensi mengurangi akses pasar untuk pelaku UMKM melalui
pengeluaran belanja sayur rata-rata rumah tangga penyediaan pop-up store atau booth di berbagai
per bulan hingga 50%. Program ini juga berhasil acara, serta pembuatan e-flyer yang menampilkan
mengurangi limbah desa melalui pengelolaan 66,8 katalog desa wisata binaan. UMKM binaan BCA
kg sampah organik dan 814,8 kg sampah anorganik berpartisipasi dalam acara-acara besar seperti
menjadi media tanam dan pupuk alami. BCA Expoversary, Indonesia Knowledge Forum,
UMKM Festival, Pekan Raya Jakarta, Gebyar BCA
Ragam Pembinaan Desa Binaan Bakti BCA Lainnya Merah Putih, Pagelaran Sabang Merauke, dan
Berbagai program pembinaan lainnya termasuk Rapat Kerja Nasional BCA, guna memperluas
pembinaan untuk meningkatkan daya tarik wisata, jangkauan pasar dan mengenalkan produk UMKM.
pelatihan pemandu, pembinaan pengelolaan
keuangan, dan lain-lain, yang secara akumulatif 2. Pelatihan kepada Pelaku Usaha UMKM
diperkirakan mendukung perolehan pendapatan Pendampingan Sertifikasi Halal UMKM
hingga lebih dari Rp140 juta. Sepanjang tahun 2024, lebih dari 2.400 pelaku
UMKM di penjuru Indonesia telah mendapatkan
Hasil Survei Kepuasan Pengunjung pendampingan untuk sertifikasi halal, sekaligus
Untuk menjaga kualitas layanan desa wisata, pendampingan penerbitan Nomor Induk Berusaha
pengunjung desa wisata diarahkan untuk memberikan (NIB) bagi pelaku UMKM yang belum memiliki,
ulasan kepuasan salah satunya melalui Google rating. dan pengenalan produk perbankan. Tahun 2024,
Rata-rata nilai survei Google rating untuk 14 Desa sebanyak 1.986 sertifikat halal telah diterbitkan
Wisata Binaan Bakti BCA mencapai 4,7 dari 5. di 24 kota/kabupaten yang tersebar di 13 provinsi
di Indonesia. Melalui sertifikasi halal ini, pelaku
UMKM dapat memanfaatkan kesempatan untuk
Kolaborasi dan Pendampingan meningkatkan kualitas produk dan skala usaha
UMKM sehingga mampu meningkatkan daya saing.
Selain pembinaan Desa Bakti, BCA melalui Bakti UMKM Go Export
BCA dan Commercial & SME Banking Division juga UMKM BCA Go Export mendukung 58 UMKM dari
membantu pembinaan Usaha Mikro, Kecil, dan berbagai daerah di Indonesia untuk menembus
Menengah (UMKM) dalam memperoleh sertifikasi pasar internasional, dengan nilai ekspor mencapai
halal, memperluas pasar dalam dan luar negeri, serta Rp37 miliar hingga akhir 2024. Melalui riset pasar,
mendukung potensi ekspor bagi UMKM yang layak. kurasi ketat, dan pendampingan intensif, program
ini memastikan UMKM yang terlibat siap memenuhi
UMKM Binaan Bakti BCA standar global. BCA turut mendampingi UMKM
Sebanyak 38 penduduk di desa binaan Bakti BCA dalam proses transaksi dengan calon pembeli
merupakan pelaku UMKM yang mempekerjakan 268 internasional pada berbagai ajang promosi, salah
tenaga kerja lokal. UMKM dari 10 desa binaan Bakti satunya adalah Trade Expo Indonesia. Produk
yang terlibat dalam program UMKM binaan memiliki unggulan seperti kakao bubuk dan olahan cokelat,
ragam komoditas, antara lain kain batik, tenun, gula olahan ikan, olahan rempah, produk kacang-
aren, kopi, keripik singkoling, jamur, hingga kerajinan kacangan, furnitur, dan kerajinan tangan kini
wayang. Pada akhir tahun 2024, UMKM binaan Bakti diekspor ke negara seperti Malaysia, Singapura,
BCA mencatatkan total pendapatan sebesar lebih Thailand, Tiongkok, Jepang, Uni Emirat Arab,
122 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Belanda, Perancis, dan Australia. Program ini juga mencatat peningkatan business matching hingga 10x
lipat (YoY), menunjukkan efektivitasnya dalam memperluas akses pasar internasional dan menciptakan
peluang strategis bagi UMKM binaan.
3. Revitalisasi Kebun Kopi Cikoneng
Bakti BCA melakukan pembinaan kepada 50 orang petani yang tergabung dalam Kelompok Tani
Lestari Maju Bersama dan Cikoneng Lestari di 10 ha lahan di Cikoneng, Tugu Utara, Cisarua, Kab. Bogor.
Pembinaan mencakup praktik pertanian ramah lingkungan seperti pemupukan organik, pembuatan
rorak, dan pemangkasan pascapanen, serta pemberian bantuan sarana prasarana berupa pupuk organik,
alat pemangkasan, mesin potong rumput, dan power sprayer, guna meningkatkan produktivitas dan
keberlanjutan pertanian. Melalui program ini, penjualan cherry kopi yang dipanen mencapai lebih dari
Rp200 juta per tahun.
Desa dan UMKM Binaan Bakti BCA yang Mendunia
Desa dan UMKM Binaan Bakti BCA semakin menunjukkan dampaknya di kancah internasional melalui partisipasi
dalam berbagai ajang global. Doesoen Kopi Sirap memperkenalkan kopi khas Indonesia di tiga festival
internasional, yakni Amsterdam Coffee Festival di Belanda, Singapore Coffee Week Festival, dan acara Batik
Pesisiran: Celebrating Nature in Batik Design From Java’s North Coast. Ketiga event ini memberikan peluang
strategis untuk memperluas jaringan pasar sekaligus memperkenalkan cita rasa unik kopi lokal kepada konsumen
global.
Kampung Batik Gemah Sumilir juga sukses menampilkan karya seni batiknya di panggung internasional. Tiga kain
batik dipamerkan di MARKK Museum, Hamburg, selama lima bulan, sekaligus menjadi bagian dari perayaan seni
dan budaya global. Selain itu, tujuh kain batik mereka berhasil menarik perhatian masyarakat Hamburg dengan
total penjualan sebesar EUR 630 dalam acara Batik Pesisiran: Celebrating Nature in Batik Design from Java’s North
Coast. Langkah ini tidak hanya memperluas pasar untuk batik tradisional, tetapi juga memperkuat posisi batik
sebagai warisan budaya yang relevan di pasar internasional.
1 2 3
4 5
6 7
1 & 2: Desa Taro dan Desa Bilebante meraih penghargaan Best Tourism Village 2023 dari UN Tourism. | 3. Partisipasi Doesoen Kopi Sirap, Desa
Bakti BCA di Singapore Coffee Week Festival. | 4 & 5: Desa Bakti BCA berpartisipasi pada event World Bank. | 6 & 7: Pengrajin Desa Taro
berkolaborasi dalam koleksi perhiasan Kawan Nusantara: The Dancer dengan jenama Tulola.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 123
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Konservasi
Ekosistem
Bakti Lingkungan
Mendukung Pelestarian Alam dan Keanekaragaman Hayati
Tanggung jawab sosial dan lingkungan bukan hanya kewajiban moral, tetapi juga bagian penting dari strategi
bisnis kami untuk mendukung keberlanjutan. Meskipun operasional BCA tidak ada yang secara langsung terkait
dengan keanekaragaman hayati atau kawasan sensitif, namun BCA berkomitmen untuk berkontribusi dalam
pelestarian alam demi menciptakan masa depan yang lebih baik bagi generasi mendatang.
Program Penanaman Pohon
Sebagai bagian dari komitmen pelestarian lingkungan, BCA melakukan program penanaman pohon untuk
menyerap karbon dioksida (CO₂), meningkatkan debit air, melindungi ekosistem satwa liar, dan memberikan
manfaat ekonomi bagi masyarakat lokal. Pada 2024, dengan melibatkan 463 masyarakat lokal sebagai mitra
yang berperan aktif dalam proses penanaman dan perawatan, sebanyak 51.500 Multi Purpose Tree Species
(MPTS) telah ditanam di empat lokasi strategis sesuai kebutuhan lingkungan setempat.
Jumlah
Lokasi Tanam Jenis Pohon Dampak Lingkungan & Sosial Ekonomi
Pohon
Desa Gambuhan, 15.000 Pohon Karet • Mencegah longsor dan menjaga keberlanjutan aliran mata
Pemalang, Jawa Kerbau, Beringin, air Balekambang, sumber utama air minum bagi warga
Tengah Bambu, Alpukat, Pemalang dan Tegal.
Jeruk, dan Kopi
• Pengembangan agroforestri serta ekowisata sebagai
peluang ekonomi berkelanjutan.
Buleleng, Bali 21.500 Pohon Cempaka, • Memulihkan lahan kritis di kawasan hutan desa, menjaga
Majegau, Durian, ekosistem, dan memperkuat perlindungan lanskap.
Alpukat, Kopi, dan
lain-lain • Meningkatkan kapasitas resapan air tanah, guna mengatasi
isu air yang menjadi salah satu tantangan penduduk lokal.
• Memberdayakan kelompok tani hutan melalui pengelolaan
hutan desa yang produktif.
Desa Cikondang, 14.000 Pohon Manglid, • Membentuk koridor satwa untuk memberikan jalur aman
Garut Selatan Trembesi, Alpukat, bagi satwa liar seperti owa jawa, monyet, harimau, macan,
Durian dan Nangka dan surili, sehingga mengurangi konflik dengan manusia di
perbatasan Cagar Alam Leuweung Sancang.
• Mendukung pertanian lahan kering dengan agroforestri
produktif, membantu petani meningkatkan panen sekaligus
menjaga keseimbangan alam.
Pesisir Aceh 1.000 Pohon mangrove Memulihkan ekosistem yang rusak, melindungi habitat
satwa liar seperti burung migrasi dan ikan, serta menjaga
keseimbangan ekosistem pesisir.
Tidak hanya melakukan penanaman, BCA juga secara berkala memantau pertumbuhan pohon untuk memastikan
dampaknya terhadap lingkungan, bekerja sama dengan mitra ahli untuk menjaga akurasi dan kredibilitas data.
Pada 2024, pohon-pohon yang ditanam sejak tahun 2021-2024 berhasil menyerap 107,5 ton CO₂e, dengan
tingkat kelangsungan hidup mencapai 91,7%.
124 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Estimasi Serapan Carbon (tCO2eq)
Penanaman Pohon MPTS
2024 2028 2033 2038
2021-2022* 57,05 1.327,75 3.576,13 5.335,22
2023* 25,87 2.686,20 6.146,99 9.073,85
2024 24,57 1.415,15 8.960,67 14.828,64
Total 107,49 5.429,10 18.683,79 29.237,71
* Estimasi perhitungan berdasarkan platform Carbon Atlas per Desember 2024
Pembuatan Rumah Kompos dan Pelatihan Pembuatan Kompos
Sebagai bagian dari upaya pengelolaan sampah organik, BCA bekerja sama dengan Dinas Kehutanan (KPHL)
Balikpapan membangun rumah kompos dan mengadakan pelatihan pembuatan kompos di kawasan Wisata
Meranti, Balikpapan. Dimulai pada akhir 2023, program ini memanfaatkan kiambang—tumbuhan hama lokal—
dan sampah organik sebagai bahan baku utama. Hingga 2024, 6.000 kg bahan organik berhasil diolah menjadi
3.000 kg kompos, memberikan manfaat ekonomi bagi 15 peserta kelompok tani yang mengikuti pelatihan,
sekaligus menyediakan kompos bagi anggota kelompok tani lainnya. Program ini berkontribusi signifikan
terhadap keberlanjutan lingkungan dan pemberdayaan masyarakat, yang tecermin dari pencapaian Wisata
Meranti meraih berbagai penghargaan, termasuk juara 2 Desa Wisata Tingkat Provinsi Kalimantan Timur dan
peningkatan kelas Kelompok Usaha Perhutanan Sosial (KUPS) dari Silver menjadi Gold.
Reverse Vending Machine (RVM)
Sebagai upaya untuk mendorong perubahan perilaku dalam pengelolaan sampah plastik, BCA bekerja sama
dengan Plasticpay menghadirkan RVM Bakti BCA. Mesin ini memudahkan masyarakat dalam memilah sampah
botol plastik sehingga tidak tercampur dengan limbah lain dan dapat diolah secara optimal. Kemudahan ini
diperkuat dengan fitur konversi poin setara nominal rupiah dari setiap botol plastik yang dikumpulkan, sehingga
memberikan insentif tambahan bagi masyarakat. Melalui pendekatan ini, RVM diharapkan dapat mendorong
terbentuknya kebiasaan pemilahan dan pengelolaan limbah yang lebih bertanggung jawab dan berkelanjutan.
Sebanyak tiga unit RVM Bakti BCA ditempatkan di kampus Institut Teknologi Bandung dan Universitas
Padjadjaran, dengan lebih dari 1.000 sivitas akademika telah berpartisipasi dalam penggunaan RVM untuk
memilah sampah botol plastik selama tahun 2024. Penempatan RVM di kawasan kampus ditujukan untuk
meningkatkan kesadaran mahasiswa yang berperan sebagai agen perubahan dalam menyebarkan kesadaran
lingkungan di masyarakat. Sebanyak dua unit RVM Bakti BCA juga ditempatkan di desa binaan Bakti BCA untuk
menjaga kebersihan desa wisata serta mendukung edukasi dan kesadaran pengelolaan sampah.
RVM Bakti BCA turut dihadirkan pada BCA Expoversary 2024, diintegrasikan dengan program konservasi
ekosistem pesisir. Setiap 10 botol plastik yang dikumpulkan berkontribusi pada penetasan dan pelepasan satu
telur penyu ke habitat aslinya. Melalui inisiatif ini, lebih dari 5.000 botol plastik berhasil terkumpul.
Pencapaian Program RVM Bakti BCA Tahun 2024
55.722 5,3 tCO2eq
botol plastik yang serapan karbon
dikumpulkan melalui RVM
Bakti BCA
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 125
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pelestarian Hewan Dilindungi
1. Rehabilitasi dan Pelepasliaran Orang Utan
Menyadari pentingnya keberlangsungan orang utan sebagai umbrella species dalam menjaga keberlanjutan
lingkungan dan keanekaragaman hayati, sejak tahun 2012 BCA secara konsisten mendukung konservasi
orang utan di Indonesia melalui kerja sama dengan Balai Konservasi Sumber Daya Alam (BKSDA) Kalimantan
Timur dan Borneo Orangutan Survival Foundation (BOSF), dengan fokus pada rehabilitasi, pelepasliaran,
dan edukasi masyarakat.
Pada 2024, BCA bersama BOSF meresmikan selesainya empat pulau buatan sebagai rumah sementara bagi
orang utan, mempersiapkan mereka untuk kembali ke alam. Pulau-pulau ini juga menjadi sanctuary bagi
orang utan yang tidak dapat hidup bebas di habitat aslinya.
Edukasi terkait pentingnya pelestarian orang utan pada tahun 2024 dilakukan melalui program ”Student
Goes to Nature” (SGTN). Program ini mengajak siswa SD dan SMP berkunjung ke kawasan konservasi orang
utan di Samboja Lestari untuk belajar secara langsung mengenai pentingnya orang utan bagi ekosistem
sambil dikenalkan pada konsep literasi keuangan.
Program konservasi orang utan tahun 2024
5 orang utan 5 orang utan 4 pulau buatan 200 pelajar
direhabilitasi dilepasliarkan pra-pelepasliaran dan berpartisipasi dalam
sanctuary program SGTN
2. Konservasi Penyu
Sejak tahun 2016, BCA bersama Banyuwangi Sea Turtle Foundation (BSTF) berperan aktif melakukan aksi
pelestarian penyu yang mencakup upaya relokasi telur, pelepasliaran tukik, penanaman pandan laut, serta
edukasi bagi masyarakat dan pelajar. Pada tahun 2024, BCA bersama BSTF meluncurkan inovasi “Intan
Ruang” yang merupakan alat inkubasi tanpa pasir pertama di Indonesia dengan kapasitas 15.000 telur.
Teknologi ini selain meningkatkan efisiensi penetasan, juga memungkinkan pengaturan suhu yang dapat
memengaruhi jenis kelamin tukik. Pengaturan ini penting untuk menjaga keseimbangan penyu jantan dan
betina di alam, yang menjadi kunci keberlanjutan populasi penyu di tengah tantangan perubahan iklim.
BCA juga mendukung pembangunan dan perbaikan infrastruktur di dua lokasi konservasi baru, yaitu Pantai
Goa Cemara di Yogyakarta dan Pantai Kerobokan di Bali. Pembangunan infrastruktur di Pantai Goa Cemara
memanfaatkan konblok hasil daur ulang kartu bekas untuk mendukung konsep ramah lingkungan.
Sepanjang tahun 2024, 17.531 telur berhasil direlokasi dari 171 sarang, dengan 15.003 tukik dilepaskan
ke habitatnya. Selain itu, 273 pelajar di Banyuwangi telah mendapatkan edukasi terkait pentingnya
keberlanjutan keanekaragaman hayati.
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
3. Java-Wide Leopard Survey (JWLS)
Pada 2024, BCA bersama Kementerian Kehutanan serta SINTAS (Save the Indonesian Nature and Threatened
Species) memulai inisiatif konservasi macan tutul jawa di Taman Nasional Bromo Tengger Semeru (TNBTS).
Inisiatif tersebut merupakan bagian dari survei nasional macan tutul jawa atau dikenal sebagai Java-Wide
Leopard Survey (JWLS). Fase Pertama mencakup pemasangan 40 kamera pengintai untuk memantau
keberadaan dan pergerakan macan tutul. Diperoleh lebih dari 85.000 dokumentasi, termasuk foto dan
video aktivitas macan tutul jawa di habitatnya. Hasil pemantauan juga mengungkap tantangan di beberapa
titik, yang menekankan urgensi kegiatan perlindungan habitat macan tutul. Selain itu, 15 sampel kotoran
dikumpulkan untuk dianalisis bersama dokumentasi lainnya guna memberikan gambaran lengkap tentang
populasi, distribusi, dan preferensi mangsa macan tutul jawa. Kajian ini menjadi pijakan strategis dalam
menyusun Strategi dan Rencana Aksi Konservasi (SRAK) untuk mendukung keberlanjutan konservasi macan
tutul dan ekosistem.
Pengaduan terkait Lingkungan Hidup [413-2]
BCA berkomitmen untuk berkontribusi pada pelestarian lingkungan melalui berbagai program tanggung
jawab lingkungan. Sepanjang tahun 2024, tidak ada pengaduan terkait dampak lingkungan yang diterima BCA
sebagai akibat dari aktivitas perbankannya.
1 2 3
4 5
Property of Kementerian Kehutanan, SINTAS Indonesia, dan BCA.
1. Pelepasan Tukik di pantai Banyuwangi bersama BSTF. | 2. Inovasi Intan Ruang, ruang inkubasi telur penyu tanpa pasir dengan kapasitas
15 ribu telur. | 3. Penanaman bibit pohon Bakti BCA. | 4. Survei awal konservasi macan tutul jawa di Taman Nasional Bromo Tengger Semeru.
| 5. Pra-pelepasliaran orang utan di pulau buatan Samboja Lestari, Kalimantan Timur bersama BOSF.
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 127
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Evaluasi dan Pengukuran
Dampak Program [413-1]
BCA berupaya untuk memberikan dampak dan nilai tambah kepada masyarakat luas melalui program-program
Bakti BCA. Evaluasi dampak program Bakti BCA terus dilakukan untuk mengukur ruang pengembangan dan
peningkatan kualitas program secara berkelanjutan. Pada tahun 2023, BCA menggunakan metode analisis
kontribusi (contribution analysis/CA) yang dilakukan oleh tenaga ahli independen untuk menilai hasil dan
dampak dari berbagai program Bakti BCA melalui Focus Group Discussion (FGD) bersama pihak-pihak yang
relevan. Hasil CA untuk program Bakti BCA telah disampaikan pada Laporan Keberlanjutan 2023.
Pada tahun 2024, BCA melakukan evaluasi dengan prinsip Social Return on Investment (SROI) terhadap salah
satu program unggulannya, pengembangan komunitas pada Desa Wisata BCA. Pengukuran SROI di lakukan
untuk 4 Desa Wisata, yaitu Desa Wisata Kampung Warna Warni Tigarihit dan Desa Wisata Malangga oleh
Institute for Sustainability and Agility yang merupakan anggota UN Global Compact, serta Desa Wisata Nagari
Silokek dan Desa Wisata Kampung Adat Nagari Sijunjung oleh Centre for Entrepreneurship, Change, and Third
Sector (CECT). Pengukuran SROI dilakukan dengan menghitung nilai moneter dari dampak yang tercipta di
aspek sosial, lingkungan hidup, dan ekonomi kepada pemangku kepentingan, meliputi penerima manfaat,
mitra pendamping, pemerintah setempat, dan Perusahaan.
Melalui analisis SROI, aktivitas Bakti BCA dalam memberikan pelatihan, publikasi, bantuan sarana prasarana,
pendampingan, dan pemantauan di empat Desa Wisata Binaan Bakti BCA berdampak pada peningkatan
pengetahuan dan keahlian penerima manfaat yang memengaruhi peningkatan pendapatan, kualitas hidup,
dan hubungan baik warga Desa Wisata, serta penghematan biaya pendidikan dan program pemerintah. Dari
penilaian tersebut, perhitungan nilai SROI adalah sebagai berikut:
Desa Wisata Binaan Bakti BCA Nilai SROI Keterangan
Desa Wisata Malangga 2,43 Setiap 1 rupiah investasi Perusahaan dihasilkan nilai sosial sebesar
2,43 rupiah untuk program di Desa Wisata Malangga
Desa Wisata Kampung Warna Warni 2,32 Setiap 1 rupiah investasi Perusahaan dihasilkan nilai sosial sebesar
Tiga Rihit 2,32 rupiah untuk program di Desa Wisata Kampung Warna Warni
Tiga Rihit
Desa Wisata Kampung Adat Nagari 2,02 Setiap 1 rupiah investasi Perusahaan dihasilkan nilai sosial sebesar
Sijunjung 2,02 rupiah untuk program di Desa Wisata Kampung Adat Nagari
Sijunjung
Desa Wisata Nagari Silokek 1,57 Setiap 1 rupiah investasi Perusahaan dihasilkan nilai sosial sebesar
1,57 rupiah untuk program di Desa Wisata Nagari Silokek
Hasil evaluasi program Bakti BCA digunakan sebagai referensi penting dalam pengembangan strategi
perusahaan untuk meningkatkan dampaknya. Melalui evaluasi tersebut, BCA dapat mengidentifikasi faktor-
faktor yang berperan besar dalam pencapaian tujuan keberlanjutan, serta merumuskan langkah-langkah yang
lebih tepat sasaran. Dengan pemahaman yang lebih mendalam tentang kontribusi yang telah dilakukan, BCA
dapat terus memperkuat peranannya dalam mendukung kemajuan masyarakat dan lingkungan sekitar, sekaligus
memastikan bahwa setiap inisiatif berorientasi pada pencapaian tujuan jangka panjang yang berkelanjutan.
Mekanisme Pengaduan Masyarakat
Hingga saat ini, kami berhasil membangun hubungan baik dengan masyarakat umum, termasuk penerima
manfaat program-program Bakti BCA. Secara terbuka, kami menerima kritik dan saran dari masyarakat luas.
Mekanisme pengaduan masyarakat tersedia melalui Halo BCA. Pada periode pelaporan, BCA tidak menerima
pengaduan masyarakat terkait program-program Bakti BCA. Namun demikian, kami menerima saran-saran
yang bermanfaat untuk terus meningkatkan dan mengembangkan program yang berjalan.
128 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 131
O6
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Sekila
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Lap lanjutan
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Page 132
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Sekilas Laporan Keberlanjutan
Profil Laporan [2-2, 2-3, 2-4, 2-5] mengutamakan independensi. Untuk memastikan tidak
Laporan Keberlanjutan PT Bank Central Asia Tbk (BCA) ada benturan kepentingan, pemilihan vendor dilakukan
tahun 2024 disusun berdasarkan periode tahunan dan secara independen. Penunjukan pihak independen
melanjutkan laporan sebelumnya yang diterbitkan pada ini dipantau dan disetujui oleh Direktur Keuangan dan
15 Februari 2024. Laporan ini merujuk pada sejumlah Perencanaan BCA.
peraturan/pedoman nasional dan internasional sebagai
bentuk transparansi upaya BCA mengintegrasikan Verifikasi penjaminan Laporan Keberlanjutan BCA
keberlanjutan dalam operasional dan strategi dilakukan oleh SR Asia Indonesia menggunakan Standar
perusahaan. Peraturan/pedoman tersebut antara lain: AA1000 AS (V3), Tipe II, dengan tingkat moderat.
• Peraturan Otoritas Jasa Keuangan (POJK) No. 51/ Proses ini melibatkan verifikasi dan konfirmasi data
POJK.03/2017 tentang Keuangan Berkelanjutan. oleh semua kontributor yang relevan serta pejabat
• Global Reporting Initiative (GRI) Standards 2021, tinggi dari fungsi terkait. Hasil verifikasi ini disertakan
yang digunakan dalam kesesuaian "in accordance dalam laporan dalam bentuk pernyataan independen
with the GRI Standards". mengenai proses assurance yang telah dilakukan.
• GRI-G4 Sector Disclosures: Financial Sector
Supplement Disclosures (FSSS). Tanggapan Umpan Balik Laporan Tahun
• Sustainability Accounting Standards Board (SASB) Sebelumnya
untuk kategori Bank Komersial. BCA secara berkala menerima evaluasi dan masukan
• Sustainable Banking Assessment (SUSBA) oleh terkait kinerja keberlanjutan dari berbagai pihak,
World Wide Fund for Nature (WWF), yang mengukur seperti investor, lembaga pemeringkat, regulator,
integrasi aspek Lingkungan, Sosial, dan Tata Kelola dan pemangku kepentingan lainnya. Beberapa isu
(LST). yang mendapat perhatian, antara lain peningkatan
• ASEAN Corporate Governance Scorecard (ACGS). pembiayaan hijau, strategi mitigasi risiko finansial
terkait perubahan iklim, pengungkapan emisi GRK dari
Laporan Keberlanjutan ini mencakup data dan kegiatan pembiayaan, serta komitmen Bank terhadap
informasi yang relevan dari periode 1 Januari hingga ekonomi rendah karbon. Manajemen BCA merespons
31 Desember 2024. Data yang digunakan diperoleh dari dan menindaklanjuti perhatian tersebut secara
kegiatan operasional BCA, sementara data keuangan bertahap, serta mencantumkan tanggapannya dalam
bersumber dari laporan keuangan konsolidasi yang Laporan Keberlanjutan ini.
mencakup BCA dan seluruh entitas anak, termasuk
PT BCA Finance, BCA Finance Limited, PT Bank BCA Kontak [2-3]
Syariah, PT BCA Sekuritas, PT Asuransi Umum BCA (BCA
Insurance), PT Asuransi Jiwa BCA (BCA Life), PT Central Situs Perusahaan: Call Center:
Capital Ventura (CCV), dan PT Bank Digital BCA (BCA
Digital). www.bca.co.id Halo BCA 1500888
www.klikbca.com
Sebagai bagian dari proses penyusunan laporan ini,
Corporate Communication,
data tahun sebelumnya juga disajikan kembali. Seluruh
Investor Relations, Environment
data dan informasi yang digunakan dalam laporan
Sustainability Governance (ESG)
telah ditelaah dan divalidasi oleh unit kerja terkait
serta mendapat persetujuan dari Direksi dan Dewan Menara BCA, Lantai 20
Komisaris sebelum dipublikasikan. Grand Indonesia
Jl. M.H. Thamrin No.1
Verifikasi Pihak Independen Jakarta 10310, Indonesia
BCA menunjuk pihak independen yang memiliki Tel. (62-21) 2358 8000
keahlian dalam penjaminan (assurance) laporan Fax. (62-21) 2358 8300
keberlanjutan serta memahami konteks keberlanjutan E-mail: corcom_bca@bca.co.id;
di sektor perbankan. Proses verifikasi dilakukan dengan investor_relations@bca.co.id
esg_group@bca.co.id
130 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Dukungan dan
Kontribusi pada TPB
BCA secara konsisten mendukung seluruh pencapaian Tujuan Pembangunan Berkelanjutan (TPB), dengan
memberikan kontribusi pada berbagai sektor sesuai dengan bidang usaha dan kapasitas perusahaan. Fokus
utama BCA adalah pada bidang-bidang yang sejalan dengan visi dan misi perusahaan.
Dukungan Utama pada TPB
Tujuan Capaian 2024 Strategi Target 2025
• Nihil kecelakaan serius di tempat • Memberikan edukasi kesehatan • Nihil kecelakaan serius di tempat
kerja melalui kampanye kesehatan kerja
• 1.010 pasien operasi katarak • Melakukan kegiatan bakti sosial • Memastikan seluruh pekerja telah
• 13.620 masyarakat mendapatkan • Mengedukasi masyarakat tentang menjadi anggota BPJS dan sistem
layanan umum kesehatan & KB kesehatan melalui seminar atau kesehatan swasta
melalui klinik binaan BCA webinar • Melaksanakan edukasi dan
• 2.211 kantong darah pelaksanaan kampanye kesehatan secara
donor darah karyawan berkala
• 4.238 balita mendapatkan • Melaksanakan bakti sosial operasi
intervensi gizi melalui program katarak dan klinik binaan
PASTI • Melaksanakan donor darah
karyawan
• 97,3% pekerja mendapatkan • Mengembangkan program • 40% pekerja BCA terkait
pelatihan e-learning, in-class training, dan mendapatkan pelatihan KB tahap
• 162 pekerja mendapatkan bekerja sama dengan lembaga lanjutan
beasiswa S1 dan S2 pendidikan lain • Menerapkan Program Beasiswa
• 2.196 pekerja terkait mengikuti • Menyeleksi dan memberikan Bakti BCA
pelatihan Keuangan Berkelanjutan beasiswa kepada mahasiswa • Melaksanakan program PPBP dan
• 700 mahasiswa mendapatkan sesuai kriteria serta memberikan PPTI
beasiswa Bakti BCA pelatihan softskill • Pekerja BCA mendapatkan
• 572 peserta PPBP dan PPTI • Strategi PPBP: merekrut dan program pelatihan dan pendidikan
• >230.000 masyarakat (termasuk mengadakan sosialisasi ke • Menyelenggarakan Program
pelajar dan mahasiswa) SMA/SMK terkemuka di seluruh Penghargaan Pelestarian Budaya
mendapatkan edukasi literasi Indonesia secara rutin
keuangan • Mengadakan pelatihan intensif
• Melaksanakan Indonesia mengenai blended learning dan
Knowledge Forum (IKF) 2024 pelatihan softskill untuk guru
dengan metode kompetisi
• Menyelenggarakan edukasi literasi
keuangan secara nasional yang
berdampak positif sesuai SNLKI
OJK dengan mengedepankan
program volunteer yang
dilaksanakan oleh pekerja
• 61,4% pekerja perempuan dari • Penerapan Perjanjian Kerja • Tidak ada kesenjangan remunerasi
total pekerja yang mendapatkan Bersama (PKB) bagian Mukadimah antara pekerja perempuan dan
kesempatan promosi dan pasal 59 ayat 2 butir i laki-laki
• 16,7% perempuan menduduki terkait persamaan hak dan tidak • Nihil kasus pelanggaran
posisi Direktur diperkenankan adanya diskriminasi persamaan hak dan diskriminasi
• 61,4% pekerja perempuan dalam bentuk apa pun terhadap terhadap pekerja
menduduki posisi middle-up pekerja • Nihil laporan diskriminasi terhadap
manager • Memberikan kesempatan yang nasabah
setara dalam peningkatan karier • Mempertahankan persentase
hingga level manajerial ataupun yang setara antara pekerja
lebih perempuan dan laki-laki dalam
• Memberikan keterampilan dan memperoleh kesempatan untuk
penugasan kepada perempuan menjabat posisi level manajerial
penenun untuk meningkatkan
keterampilan/kesejahteraan hidup
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 131
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Tujuan Capaian 2024 Strategi Target 2025
• 12,5% peningkatan portofolio • Memetakan strategi mitigasi • Melaksanakan uji coba Climate
pembiayaan Keuangan penurunan emisi CO2 pada gedung Risk Stress Test untuk 100%
Berkelanjutan BCA secara bertahap portofolio pembiayaan
• 27 gedung menggunakan panel • Mengembangkan perilaku adaptasi • 8% peningkatan portofolio
surya pada bangunan pintar (smart KKUB, termasuk debitur yang
• Pengukuran emisi operasional buildings), penerapan teknologi berwawasan lingkungan
mencakup 100% Kantor Pusat, ramah lingkungan, dan budaya • Melaksanakan penggantian AC
Data Center, dan Kantor Cabang keberlanjutan R22 ke R32 di cabang
• 78 Kantor Cabang menerapkan • Pemberian kredit kepada usaha • Pemasangan panel surya di
fitur gedung ramah lingkungan debitur yang berwawasan gedung milik BCA
• Melakukan inventarisasi GRK lingkungan • Mengurangi penggunaan kertas
cakupan 3 emisi pembiayaan sebanyak 3% di unit kerja Kantor
• Melaksanakan Climate Risk Stress Pusat
Testing (CRST)
• 1.969 orang direkrut sebagai • Membuka lapangan pekerjaan • Peningkatan penyaluran KUR 6%
pekerja BCA untuk mendukung digitalisasi BCA • Peningkatkan pembiayaan UMKM
• Remunerasi pekerja pada tingkat dan relationship sebesar 6%
terendah di Jakarta lebih tinggi • Mengembangkan peran dan • Melaksanakan Keselamatan dan
dibandingkan UMR DKI Jakarta kapabilitas frontliner BCA agar Kesehatan Kerja secara konsisten
dapat memberikan solusi yang (tidak ada major incident di
• 1.213 tenaga kerja di 14 desa binaan
lebih komprehensif kepada lingkungan kerja)
Bakti BCA nasabah • Merekrut pekerja dan peserta
• 268 tenaga kerja UMKM • Memperbanyak kerja sama Magang Bakti
• 3.982 orang pemagang yang channeling dengan anchor • Penyelengaraan UMKM Fest
direkrut lewat program Bakti BCA • Membina dan mendampingi Kantor
• Peningkatan pembiayaan UMKM Cabang dalam penyaluran KUR
sebesar 11,9% • Memperluas line of business yang
• Rp784 miliar realisasi KUR dibiayai KUR
• Workshop bagi pelaku UMKM untuk • Pemetaan layanan perbankan
Go Export kepada masyarakat yang masuk
• Memfasilitasi pelaku UMKM untuk kategori unbankable
• Bekerja sama dengan pengurus
sertifikasi halal
desa, masyarakat setempat, dan
• Lebih dari 1.500 seller UMKM pemerintah daerah
bergabung dalam UMKM Fest • Merekrut calon pemagang Bakti
BCA
• 4,88 Indeks Branch Service Quality • Mengembangkan inovasi digital • Indeks BSQ minimum 4,5
(BSQ) dari skala 5 • Menerapkan machine learning dan • Indeks CE minimum 4,5
• 4,77 Customer Engagement (CE) kecerdasan buatan • Nihil kecurangan besar (major
dari skala 5 • Menjalankan Pencegahan fraud)
• 4,7 juta rekening baru melalui Kehilangan Data (Data Loss • Nihil pengaduan terkait privasi dan
perbankan digital sehingga total Prevention/DLP) dan sistem keamanan data
rekening mencapai 40,7 juta otentifikasi dua faktor untuk
pengamanan informasi elektronik
• Mengedukasi dan mengadakan
sosialisasi terkait keamanan data
dan perbankan digital kepada
nasabah
• Memenuhi indikator kepatuhan • Evaluasi atas semua kegiatan usaha • Memenuhi indikator kepatuhan
yaitu Kewajiban Penyediaan sesuai dengan regulasi • Nihil pelaporan tindak korupsi
Modal Minimum (KPMM), Non- • Mengefektifkan whistleblowing yang dilakukan oleh perusahaan
Performing Loan (NPL) Net, Batas system • Minimal tingkat kesehatan bank
Maksimum Pemberian Kredit • Menerapkan tata kelola adalah 2
(BMPK), Giro Wajib Minimum perusahaan yang baik • Tidak ada kasus hukum dan/
(GWM) Rupiah & Valas, Penyangga • Mematuhi peraturan perundang- atau sengketa yang material dan
Likuiditas Makroprudential undangan dan pasar modal signifikan dengan nasabah
(PLM), Posisi Devisa Neto (PDN), • Mengadopsi standar praktik • Melakukan uji tuntas risiko bisnis
Rasio Pembiayaan Inklusif terbaik yang relevan dan hak asasi manusia bersama
Makroprudensial (RPIM), dan pihak independen
Liquidity Coverage Ratio (LCR) • Menerbitkan kebijakan tanpa
• Tingkat kesehatan bank adalah 1 diskriminasi di tempat kerja
• Seluruh pekerja telah • Nihil kasus/laporan korupsi
menandatangani pakta integritas • Risiko kepatuhan di level “low to
• Seluruh pekerja telah moderate”
menandatangani kode etik • Seluruh pekerja menandatangani
• Seluruh pekerja eselon 5 ke atas pakta integritas dan kode etik
telah menandatangani annual • Seluruh pekerja eselon 5 ke atas
disclosure wajib menandatangani annual
• Nihil kasus korupsi disclosure
• Melakukan penilaian risiko bisnis
dan hak asasi manusia (PRISMA)
dari Kemenkumham
132 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Kontribusi pada TPB Lainnya
Tujuan Kegiatan Pendukung
• Memberikan upah/gaji sesuai dengan ketentuan pemerintah
• Memberikan fasilitas pinjaman tanpa bunga untuk nominal tertentu kepada pekerja BCA
• Membuka lowongan pekerja untuk posisi pekerja maupun pemagang program Bakti BCA
• Mendaftarkan pekerja dalam BPJS Ketenagakerjaan
• Menyalurkan pembiayaan pada usaha pertanian rakyat
• Mendukung program penurunan stunting (Partnership to Accelerate Stunting Reduction in Indonesia)
• Menyalurkan pembiayaan pada usaha pengelolaan air bersih dan pengelolaan air limbah
• Memberikan bantuan untuk sanitasi
• Fasilitas shuttle bus kepada pekerja yang berlokasi di BLI-Sentul
• Bantuan program pembangunan infrastruktur, fasilitas umum dan fasilitas sosial pemerintah, serta desa binaan BCA
• Membuat program daur ulang sampah rumah tangga pekerja BCA
• Peralihan penggunaan kertas HVS dari 80 gsm menjadi 75 gsm
• Inisiatif untuk mematikan lampu di area kerja saat jam makan siang
• Penggunaan digital sign untuk mengurangi pemakaian kertas dalam proses persetujuan dokumen internal
• Bekerja sama dengan vendor untuk mengelola limbah padat
• Penanaman total 51.500 pohon di 4 lokasi strategis, termasuk penanaman 1.000 bibit mangrove di pesisir Aceh
• Pelatihan yang berhasil mengelola 6.000 kg bahan organik menjadi 3.000 kg kompos
• Bekerja sama dengan BOSF untuk melindungi orang utan serta pemantauan penanaman pohon
• Bekerja sama dengan Nusantara Institute dan SENA WANGI untuk kegiatan pelestarian seni, budaya, dan tradisi
nusantara
• Bekerja sama dengan SPBK Perdami, Dinas Kesehatan, Klinik Bakti Media, dan Klinik Duri Utara untuk mendukung
peningkatan kesehatan masyarakat
• Bekerja sama dengan Perkumpulan Warna Alam Indonesia (WARLAMI) untuk pembinaan warna alam
• Bekerja sama dengan Save the Indonesian Nature and Threatened Species (SINTAS) untuk melakukan tahap awal
konservasi macan tutul Jawa
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 133
Page 136
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Lembar Persetujuan Dewan Komisaris dan Direksi
atas Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk
Kami selaku Dewan Komisaris dan Direksi, yang bertanda tangan di bawah ini menyatakan bahwa
semua informasi dalam Laporan Keberlanjutan PT Bank Central Asia Tbk tahun 2024 telah disampaikan
secara lengkap dan bertanggung jawab penuh atas kebenaran isi Laporan Keberlanjutan sesuai dengan
POJK No. 51/POJK.03/2017.
Demikian lembar persetujuan ini dibuat dengan sebenarnya.
Jakarta, Februari 2025
Anggota Dewan Komisaris
Djohan Emir Setijoso
Presiden Komisaris
Tonny Kusnadi Cyrillus Harinowo Raden Pardede Sumantri Slamet
Komisaris Komisaris Independen Komisaris Independen Komisaris Independen
Anggota Direksi
Jahja Setiaatmadja Armand Wahyudi Hartono Gregory Hendra Lembong
Presiden Direktur Wakil Presiden Direktur Wakil Presiden Direktur
Subur Tan Rudy Susanto Lianawaty Suwono
Direktur Direktur Direktur
Santoso Vera Eve Lim Haryanto Tiara Budiman
Direktur Direktur Direktur
Frengky Chandra Kusuma John Kosasih Antonius Widodo Mulyono
Direktur Direktur Direktur
134 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Independent Assurance Statement
The 2024 Sustainability Report of PT Bank Central Asia Tbk
Number : 01/000-758/I/2025/SRAI
Assurance Type : Type 1 and Type 2 for the specific topic of Customer Data Protection and
Information System Resilience, Responsible Financing, Service Excellence,
and Community Development
Assurance Level : Moderate
Reporting Standards : GRI Universal Standard 2021 Consolidated, GRI G4 Financial Services Sector
Supplement, Sustainability Accounting Standard Board (SASB) Financial
Sector Commercial Banks, and Sustainable Banking Assessment (SUSBA) and
ASEAN Corporate Governance Scorecard (ACGS)
Reporting Regulation : Otoritas Jasa Keuangan Regulation (POJK) Number 51/ POJK.03/2017
and SEOJK No. 16/SEOJK.04/2021
Dear stakeholders,
PT Sejahtera Rambah Asia is issuing an Independent Assurance Statement (“the Statement”) of the
2024 Sustainability Report (“the Report”) of PT Bank Central Asia Tbk (“the Bank” or “the Reporting
Organization”). The Reporting Organization a local commercial bank in Indonesia located in Jakarta.
The Report presents the commitment and efforts of the Bank in managing its sustainability
performance for the reporting period of January 1st to December 31st, 2024. As agreed with
Management, PT Sejahtera Rambah Asia’s responsibility is to make an assessment based on the data
and content of the Report for the year.
Intended User and Purpose
The purpose of the Statement is to present our opinion including the findings and recommendations
based on the results of assurance work to the Bank’s stakeholders. The Assurance Team in accordance
with specific procedures and a specific scope of work carried out the assessment. Except for the areas
covered in the scope of the assurance, we encourage all NOT to solely interpret the Statement as the
basis to conclude the Bank’s overall sustainability performance.
Responsibilities
Our responsibilities to the Management are to evaluate the Report content, come up with findings and
recommendations, and issue the Statement. We are also responsible for coming up with conclusions
and recommendations based on the agreed standards, methods, and approaches. Hence, PT Sejahtera
Rambah Asia is only evaluated for the latest received editorial and data on the final draft as of January
30th, 2025. PT Sejahtera Rambah Asia is only responsible for delivering assurance work, NOT an audit,
by following the Non-Disclosure Agreement, the Assurance Engagement Agreement, Representation
Letter, and Subsequent Event Testing. The Management has its sole responsibility for the presentation
of data, information, and disclosures in the Report content. Therefore, any parties who depend on the
Report and this Statement shall bear and manage their risks.
Independence, Impartiality, and Competency
PT Sejahtera Rambah Asia confirms NO relationships between the assuror team and the clients that
can influence their independence and impartiality to conduct the assessment and generate the
Statements. The assuror team is mandated to follow a particular assurance protocol and professional
ethical code of conduct to ensure their objectivity and integrity. We carried out a pre-engagement
PT Sejahtera Rambah Asia Independent Assurance Statement, version 2025, page 1 of 4
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 135
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
assessment before the assurance work was taken to verify the risks of engagement as well as the
independence and impartiality of the team. The assuror team members have knowledge of ISO 26000,
AA1000 AccountAbility standards and principles, and also have experience in sustainability report
assessment based on various reporting regulations, standards, and principles.
Type and Level of Assurance Service
1. Type 1 assurance on the Report content
2. Type 2 assurance on Customer Data Protection and Information System Resilience, Responsible
Financing, Service Excellence, and Community Development.
3. A moderate level of assurance to the procedure on the Report content and evidence, where the
risks of information and conclusions of the Report being error is reduced, but not to very low, but
not zero.
Scope and Limitation of Assurance Service
1. Data and information in the Report for the period of January 1st to December 31st, 2024.
2. Material topics presented in the Report: Customer Data Protection and Information System
Resilience, Responsible Financing, Service Excellence, Community Development, Work Culture
and Human Rights, Climate Action, Anti-corruption and Anti-fraud, and Accessibility and
Affordability.
3. Evaluation of publicly disclosed information, system, and process of the Bank to ensure adherence
of the Report content to the reporting principles.
4. PT Sejahtera Rambah Asia does NOT include financial data, information, and figures in the Report
content. We assumed that the Bank, independent parties, or other parties associated with the
Bank have verified and/or audited financial statements, data, and information.
5. Adherence to the reporting principles, standards, and regulations of POJK Number
51/POJK.03/2017 and SEOJK No. 16/SEOJK.04/2021, GRI Standard 2021 Consolidated, GRI
Financial Services Sector Supplement, Sustainability Accounting Standard Board (SASB) Financial
Sector Commercial Banks, Sustainable Banking Assessment (SUSBA) , and ASEAN Corporate
Governance Scorecard (ACGS).
Exclusion
1. The expression of opinion, belief, expectation, advertisement, and also forward-looking
statements, including future planning of the Bank as specified in the Report content.
2. Analysis or assessment against regulations, principles, standards, guidelines, and indicators other
than those indicated in the Statement.
3. Topics, data, and information outside the reporting period, or in the public domain not covered
in the reporting period.
4. Financial performance data and information as presented in the Bank’s financial statements and
documents, other than those mentioned in the Report.
Methodology and Source Disclosure
1. Form an Assurance Team whose members are capable in sustainability report development and
assurance.
2. Perform the pre-engagement phase to ensure the independence and impartiality of the Assuror
Team.
3. Hold a kick-off meeting and initial analysis of the Report draft based on the PT Sejahtera Rambah
Asia Protocol on Assurance Analysis refers to the standards, principles, and indicators of AA1000AS
v3, AA1000APS (2018), and standards/regulations used in the Report.
PT Sejahtera Rambah Asia Independent Assurance Statement, version 2025, page 2 of 4
136 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
4. Discuss online the results of the analysis with the Management and data contributors.
5. Verify evidence and trace data and information as covered in the Report.
6. The Bank incorporated our recommendations in the draft Report and release the final Report
content.
7. Prepare the Statement and send it to AA1000 AccountAbility for review to get approval before
submitting it to the Bank.
8. Prepare a Management Letter detailing all aspects seen, recorded, and observed during the
assurance to the Management of the Bank for further improvement of sustainability processes.
Adherence to AA1000AP (2018) and GRI Universal Standards
Inclusivity – The Report content outlines the Bank's implementation to stakeholder engagement by
involving them in exploring significant issues and determining material topics. The Bank has
demonstrated inclusivity through various initiatives, such as conducting stakeholder engagement
sessions, addressing key interests of different stakeholder groups, and integrating their feedback into
strategic decisions. Efforts include financial literacy programs, sustainable finance initiatives,
workforce inclusion, and supplier engagement policies. Stakeholder expectations and concerns have
been identified through regular interactions, ensuring that their input contributes to corporate
decision-making.
Materiality – The Bank has implemented a structured and comprehensive approach in identifying and
prioritizing material topics for this reporting period. The process integrates both internal and external
stakeholder insights, reflecting key concerns from employees, customers, investors, regulators, and
business partners. Prioritization of material topics has been determined through engagement
activities, in-depth interviews, and quantitative assessments, ensuring relevance and alignment with
the Bank’s sustainability strategy. Overall, the materiality assessment process is well-integrated,
effectively identifying material topics.
Responsiveness – The Bank maintains robust mechanisms for reporting violations of ethics, fraud,
corruption, and other misconduct through its whistleblowing system (WBS). The system ensures
transparency by allowing reports to be submitted via the Bank’s website while safeguarding the
confidentiality of whistleblowers. WBS reports are validated using the 4W1H principle and managed
by the designated administrator for further assessment. Additionally, the Bank's commitment to
handling customer concerns is demonstrated through its HaloBCA complaint management system,
which follows a Service Level Agreement (SLA) to ensure timely resolutions.
Impact – The Bank continues its commitment to fostering economic development by supporting
financial literacy programs aimed at improving financial management skills within communities. The
Bank's sustainability-linked loan (SLL) schemes cater to debtors engaged in sustainable resource
management, eco-friendly transportation, and energy-efficient product development. Additionally,
community investment initiatives continue to create tangible social and economic benefits for multiple
regions across the country. In governance, the Bank has maintained its zero data breach record,
reinforcing its commitment to strong cybersecurity and data protection measures.
Statement of Use: “In Accordance to the GRI Standards” – We evaluated the Report content according
to the GRI Universal Standards principles, disclosures, and requirements for reporting. The Bank has
complied with nine requirements: apply the reporting principles, report the disclosures in GRI 2:
General Disclosures 2021, determine material topics, report the disclosures in GRI 3: Material Topics
2021, report disclosures from the GRI Topic Standards for each material topic, provide reasons for
PT Sejahtera Rambah Asia Independent Assurance Statement, version 2025, page 3 of 4
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 137
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
omission for disclosures and requirements that the organization cannot comply with, publish a GRI
content index, provide a statement of use, and notify GRI.
GRI Standards Principles – As the assurance work was taken, the report content sufficiently indicates
its adherence to sustainability reporting principles (accuracy, balance, clarity, comparability,
completeness, sustainability context, timeliness, and verifiability). The Management provide adequate
support during the assurance work by submitting evidence/documents as requested.
Type 2 Assurance – The Bank continues to implement good governance and sustainability practices
that create impacts across key material topics. To strengthen Customer Data Protection and
Information System Resilience, the Bank has reinforced its cybersecurity framework by
implementing role-based access controls, penetration testing, security incident simulations, and
real-time database monitoring, ensuring compliance with SEOJK 29, ISO 27001:2022, and PCI DSS
standards. The Bank's Responsible Financing approach integrates ESG risk assessments, sector-
specific financing policies, and sustainable credit growth strategies, with oversight from the Credit
Committee to ensure responsible lending and compliance with regulatory frameworks. For Service
Excellence, the Bank maintains a structured customer complaint management system with defined
SLA, real-time tracking through the HaloBCA CRM platform, and customer satisfaction assessments
via Gallup International’s Customer Engagement Score, Customer Satisfaction Index, and Net
Promoter Score, ensuring continuous service improvements. In Community Development, the Bank
applies SROI and contribution analysis to measure long-term program impact while collaborating
with local governments, universities, and third-party organizations to support financial literacy,
MSME empowerment, and rural development initiatives. The Bank is enhancing internal
governance, regulatory compliance, and continuous sustainability improvements.
Recommendation
1. To disclose the effectiveness of stakeholder engagement initiatives and demonstrating how
stakeholder feedback directly influences corporate policies.
2. To outlining how senior management and cross-functional teams are involved in overseeing,
reviewing, and integrating materiality assessments into corporate strategy and risk management.
3. To enhance disclosures on long-term impact evaluations, for example, tracking improvements in
financial inclusion, reductions in environmental footprint, or benefits to MSMEs.
4. To set and disclose GHG emission reduction targets for the short, medium, and long term.
5. To establish and communicate commitments towards sustainability performance targets for the
next period
The assurance provider,
Jakarta, January 30th 2025
Lim Hendra
Assurance Director of
PT Sejahtera Rambah Asia
PT Sejahtera Rambah Asia Independent Assurance Statement, version 2025, page 4 of 4
138 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 141
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Referensi POJK No. 51/POJK.03/2017,
Indeks Standar GRI, SASB, dan SUSBA
Peraturan Otoritas Jasa Keuangan (POJK) Nomor 51/POJK.03/2017
- Surat Edaran Otoritas Jasa Keuangan (SEOJK)
Nomor 16/SEOJK.04/2021
No Indeks Uraian Halaman
Strategi Keberlanjutan
A.1 Penjelasan Strategi Keberlanjutan 32-33
Ikhtisar Kinerja Aspek Keberlanjutan
B.1 Aspek Ekonomi 24-25
B.2 Aspek Lingkungan Hidup 26
B.3 Aspek Sosial 27
Profil Perusahaan
C.1 Visi, Misi, dan Nilai Keberlanjutan 32-33
C.2 Alamat Perusahaan 29
C.3 Skala Usaha 30
C.4 Produk, Layanan, dan Kegiatan Usaha yang Dijalankan 29
C.5 Keanggotaan pada Asosiasi 31
C.6 Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan 31
Penjelasan Direksi
D.1 Penjelasan Direksi 17-22
Tata Kelola Keberlanjutan
E.1 Penanggung Jawab Penerapan Keuangan Berkelanjutan 34-36
E.2 Pengembangan Kompetensi terkait Keuangan Berkelanjutan 36-37
E.3 Penilaian Risiko atas Penerapan Keuangan Berkelanjutan 47-48
E.4 Hubungan dengan Pemangku Kepentingan 38-39
E.5 Permasalahan terhadap Penerapan Keuangan Berkelanjutan 37
Kinerja Keberlanjutan
F.1 Kegiatan Membangun Budaya Keberlanjutan 34
Kinerja Ekonomi
F.2 Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan
54
dan Laba Rugi
F.3 Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen Keuangan
56-58
atau Proyek yang Sejalan dengan Keuangan Berkelanjutan
Kinerja Lingkungan Hidup
Aspek Umum
F.4 Biaya Lingkungan Hidup 26
Aspek Material
F.5 Penggunaan Material yang Ramah Lingkungan 72
Aspek Energi
F.6 Jumlah dan Intensitas Energi yang Digunakan 71
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan 71
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 139
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
No Indeks Uraian Halaman
Aspek Air
F.8 Penggunaan Air 72
Aspek Keanekaragaman Hayati
F.9 Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki
124
Keanekaragaman Hayati
F.10 Usaha Konservasi Keanekaragaman Hayati 124-127
Aspek Emisi
F.11 Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya 69-70
F.12 Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan 70-74,
124 - 125
Aspek Limbah dan Efluen
F.13 Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis 73-74
F.14 Mekanisme Pengelolaan Limbah dan Efluen 73-74
F.15 Tumpahan yang Terjadi (jika ada) 72
Aspek Pengaduan Terkait Lingkungan Hidup
F.16 Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan 127
Kinerja Sosial
F.17 Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Konsumen 78, 81-82
Aspek Ketenagakerjaan
F.18 Kesetaraan Kesempatan Bekerja 92, 102
F.19 Tenaga Kerja Anak dan Tenaga Kerja Paksa 107
F.20 Upah Minimum Regional 102-103
F.21 Lingkungan Bekerja yang Layak dan Aman 103-105
F.22 Pelatihan dan Pengembangan Kemampuan Pegawai 98-100
Aspek Masyarakat
F.23 Dampak Operasi terhadap Masyarakat Sekitar 128
F.24 Pengaduan Masyarakat 128
F.25 Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) 112-127
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan 76
F.27 Produk/Jasa Yang Sudah Dievaluasi Keamanannya Bagi Pelanggan 76
F.28 Dampak Produk/Jasa 59, 76
F.29 Jumlah Produk yang Ditarik Kembali 76
F.30 Survei Kepuasan Pelanggan terhadap Produk dan/atau Jasa Keuangan Berkelanjutan 80
Lain-lain
G.1 Verifikasi Tertulis dari Pihak Independen (jika ada) 135-138
G.2 Lembar Umpan Balik 147
G.3 Tanggapan terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya 130
G.4 Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017 tentang
139-140
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik
140 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Indeks Standar GRI
Pernyataan penggunaan PT Bank Central Asia Tbk telah menyampaikan informasi sesuai dengan Standar GRI untuk
periode 1 Januari hingga 31 Desember 2024.
GRI 1 yang digunakan GRI 1: Fondasi 2021
Standar Sektor GRI yang Berlaku N/A
Pengecualian
No.
Standar GRI Indikator Pengungkapan Lokasi Persyaratan Standar
Alasan Penjelasan
yang Sektor GRI
Dikecualikan
Pengungkapan Umum
GRI 2: 2-1 Rincian organisasi 29,30
Pengungkapan
2-2 Entitas pada pelaporan
Umum 2021 130
keberlanjutan organisasi
2-3 Periode, frekuensi, dan kontak
130
pelaporan
2-4 Penyajian kembali informasi 130
2-5 Penjaminan eksternal 130
2-6 Aktivitas, rantai nilai, dan
31
hubungan bisnis lainnya
2-7 Tenaga Kerja 92
2-8 Pekerja yang bukan pekerja
94
langsung
2-9 Struktur dan komposisi tata kelola 35
2-10 Pencalonan dan pemilihan badan
tata kelola tertinggi Annual
Report
2-11 Ketua badan tata kelola tertinggi
2-12 Peran badan tata kelola tertinggi
dalam mengawasi pengelolaan 35,36
dampak
2-13 Delegasi tanggung jawab untuk
34
mengelola dampak
2-14 Peran badan tata kelola tertinggi
36,40
dalam pelaporan keberlanjutan
2-15 Konflik kepentingan
2-16 Komunikasi masalah penting
2-17 Pengetahuan kolektif pejabat
tata kelola tertinggi
Annual
2-18 Evaluasi kinerja badan tata kelola
Report
tertinggi
2-19 Kebijakan remunerasi
2-20 Proses menentukan remunerasi
2-21 Rasio total kompensasi tahunan
2-22 Pernyataan tentang strategi
32,33,34
pembangungan berkelanjutan
2-23 Komitmen kebijakan 33,36,
63,65
2-24 Menanamkan komitmen 33,34,
kebijakan 35,36
2-25 Proses untuk memperbaiki
79,84
dampak negatif
2-26 Mekanisme untuk mencari nasihat
Annual
dan mengemukakan
Report
masalah
2-27 Kepatuhan terhadap hukum dan
49
peraturan
2-28 Asosiasi keanggotaan 31
2-29 Pendekatan untuk keterlibatan
38
pemangku kepentingan
2-30 Perjanjian perundingan kolektif 101
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 141
Page 144
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pengecualian
No.
Standar GRI Indikator Pengungkapan Lokasi Persyaratan Standar
Alasan Penjelasan
yang Sektor GRI
Dikecualikan
Topik Material
GRI 3: 3-1 Proses menentukan topik
40
Topik Material material
2021
3-2 Daftar topik material 40, 41
Manajemen Topik Material : Perlindungan Data Nasabah dan Ketahanan Sistem Informasi
GRI 3: Topik 3-3 Manajemen topik material
42
Material 2021
GRI 418: 418-1 Pengaduan pelanggan terkait
Privasi privasi pelanggan dan kehilangan
84
Pelanggan data pelanggan
2016
Manajemen Topik Material : Pembiayaan yang Bertanggung Jawab
GRI 3: Topik 3-3 Manajemen topik material
42
Material 2021
GRI 201: 201-1 Nilai ekonomi langsung yang
Kinerja dihasilkan dan didistribusikan 54
Ekonomi 2016
Manajemen Topik Material : Aksi Iklim
GRI 3: 3-3 Manajemen topik material
Topik Material 42
2021
GRI 201: 201-2 Implikasi finansial akibat
Kinerja perubahan iklim 60,62,64
Ekonomi 2016
GRI 305: 305-1 Emisi GRK (Cakupan 1) langsung
68,69,70
Emisi 2016
305-2 Emisi energi GRK (Cakupan 2)
68,69,70
tidak langsung
305-3 Emisi GRK (Cakupan 3) tidak
68,69,70
langsung lainnya
Manajemen Topik Material : Layanan Prima
GRI 3: Topik 3-3 Manajemen topik material
42
Material 2021
Manajemen Topik Material : Antikorupsi dan Anti-fraud
GRI 3: 3-3 Manajemen topik material
Topik Material
42
2021
GRI 205: 205-1 Operasi yang dinilai memiliki
51
Antikorupsi risiko korupsi |
2016
205-2 Komunikasi dan pelatihan tentang
kebijakan dan prosedur anti 51
korupsi
205-3 Insiden korupsi yang terbukti dan
tindakan yang diambil 52
Manajemen Topik Material : Budaya Kerja dan Hak Asasi Manusia
GRI 3: 3-3 Manajemen topik material
Topik Material
2021 42
Manajemen Topik Material : Akses dan Keterjangkauan
GRI 3: 3-3 Manajemen topik material
Topik Material 42
2021
142 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Pengecualian
No.
Standar GRI Indikator Pengungkapan Lokasi Persyaratan Standar
Alasan Penjelasan
yang Sektor GRI
Dikecualikan
Manajemen Topik Material : Pengembangan Masyarakat
GRI 3: Topik 3-3 Manajemen topik material
42
Material 2021
GRI 203: 203-1 Investasi infrastruktur dan
Dampak dukungan layanan
Ekonomi
120
Tidak
Langsung
2016
GRI 413 : 413-1 Operasi dengan keterlibatan
Masyarakat masyarakat lokal, penilaian
128
Setempat dampak, dan program
2016 pengembangan
413-2 Operasi yang memiliki atau
berpotensi menimbulkan dampak
127
negatif signifikan kepada
maysarakat setempat
Kinerja Ekonomi
GRI 201: 201-3 Kewajiban pada program imbalan
Kinerja pasti dan program pensiun 106
Ekonomi 2016 lainnya
201-4 Bantuan finansial yang diterima
54
dari pemerintah
Energi
GRI 302: 302-1 Konsumsi energi di dalam
71
Energi 2016 organisasi
302-3 Intensitas energi 71
Air dan Efluen
GRI 303: 303-1 Interaksi dengan air sebagai
72
Air dan Efluen sumber daya bersama
2018
303-2 Manajemen dampak yang
berkaitan dengan pembuangan 72
air
Limbah
GRI 306: 306-1 Timbulan limbah dan dampak
73
Limbah 2020 signifikan terkait limbah
306-2 Manajemen dampak signifikan
73
terkait limbah
306-3 Timbulan limbah 73
306-4 Limbah yang dialihkan dari
73
pembuangan akhir
Kepegawaian
GRI 401: 401-1 Perekrutan karyawan baru dan
95,96
Kepegawaian pergantian karyawan
2016
401-2 Tunjangan yang diberikan kepada
karyawan purnawaktu yang tidak
diberikan kepada karyawan pada 102
kurun waktu tertentu atau paruh
waktu
401-3 Cuti melahirkan 103
Kesehatan dan Keselamatan Kerja
GRI 403: 403-1 Sistem manajemen keselamatan
104
Kesehatan dan kesehatan kerja
dan
Keselamatan 403-2 Pengidentifikasian bahaya,
Kerja 2018 penilaian risiko, dan investigasi 104
insiden
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 143
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Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Pengecualian
No.
Standar GRI Indikator Pengungkapan Lokasi Persyaratan Standar
Alasan Penjelasan
yang Sektor GRI
Dikecualikan
403-3 Layanan kesehatan kerja 105
403-4 Partisipasi, konsultasi, dan
komunikasi pekerja tentang 104,105
keselamatan dan kesehatan kerja
403-5 Pelatihan pekerja mengenai
105
keselamatan dan kesehatan kerja
403-6 Peningkatan kualitas kesehatan
105
pekerja
403-7 Pencegahan dan mitigasi
dampak-dampak keselamatan
104
dan kesehatan kerja terkait
hubungan bisnis
403-8 Pekerja yang tercakup dalam
sistem manajemen keselamatan 104
dan kesehatan kerja
403-9 Kecelakaan kerja 104
403-10 Penyakit Akibat Kerja 105
Pelatihan dan Pendidikan
GRI 404: 404-1 Rata-rata jam pelatihan pertahun
98
Pelatihan dan perkaryawan
Pendidikan
2016 404-2 Program untuk meningkatkan
keterampilan karyawan dan 98,106
program bantuan peralihan
GRI Financial Services
Indikator Aspek Halaman
FS1 Kebijakan dengan komponen lingkungan dan sosial tertentu yang diterapkan pada lini bisnis 63,65
FS2 Prosedur untuk menilai dan menyaring risiko lingkungan dan sosial di lini bisnis 63,65
FS3 Proses untuk memantau implementasi dan kepatuhan klien dengan persyaratan lingkungan dan sosial 63,65
termasuk dalam perjanjian atau transaksi
FS4 Proses untuk meningkatkan kompetensi staf untuk mengimplementasikan kebijakan dan prosedur 36
lingkungan dan sosial sebagaimana diterapkan pada lini bisnis
FS5 Interaksi dengan klien/investee/mitra bisnis mengenai risiko dan peluang lingkungan sosial 38,58,59
FS6 Persentase portofolio untuk lini bisnis berdasarkan wilayah tertentu, ukuran menurut sektor (mikro/SME/ 25,56-58
besar)
FS7 Nilai moneter produk dan layanan yang dirancang untuk memberikan manfaat sosial khusus untuk setiap 58
lini bisnis yang dirinci berdasarkan tujuan
FS8 Nilai moneter produk dan layanan yang dirancang untuk memberikan manfaat lingkungan spesifik untuk 25, 57,58
setiap lini bisnis yang dirinci berdasarkan tujuan
FS9 Cakupan dan frekuensi audit untuk menilai implementasi kebijakan lingkungan dan sosial dan prosedur 36
penilaian risiko
FS10 Persentase dan jumlah perusahaan yang dimiliki dalam portofolio lembaga tempat organisasi pelapor 56,57,65
berinteraksi dengan masalah lingkungan atau sosial
FS11 Persentase aset yang terkena penyaringan lingkungan atau sosial positif dan negatif 57,65
FS12 Kebijakan pemberian suara diterapkan pada masalah lingkungan atau sosial 36
FS13 Jalur akses di daerah berpenduduk rendah atau kurang beruntung secara ekonomi berdasarkan jenis 82,120
FS14 Inisiatif untuk meningkatkan akses ke layanan keuangan untuk orang-orang yang kurang beruntung 82
FS15 Kebijakan untuk desain yang adil dan penjualan produk dan layanan keuangan 82
FS16 Inisiatif untuk meningkatkan literasi keuangan berdasarkan jenis penerima manfaat 115
144 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
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Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Sustainability Accounting Standards Board (SASB)
Kode Uraian Halaman
Metrik Aktivitas
FN-CB-000.A (1) Jumlah dan (2) nilai rekening giro dan tabungan menurut segmen: (a) pribadi dan (b) usaha kecil 24, 30
FN-CB-000.B (1) Jumlah dan (2) nilai pinjaman menurut segmen: (a) pribadi dan (b) usaha kecil 24, 25, 57
Keamanan Data
FN-CB-230a.1 (1) Jumlah pelanggaran data (2) Persentase informasi identifikasi pribadi (3) Jumlah rekening yang
85
terpengaruh
FN-CB-230a.2 Pendekatan untuk menangani risiko keamanan data 83-87
Inklusi Keuangan dan Capacity Building
FN-CB-240a.1 (1) Jumlah dan (2) total pinjaman yang memenuhi syarat untuk program promosi usaha kecil dan
58
pengembangan masyarakat
FN-CB-240a.2 (1) Jumlah dan (2) total pinjaman jatuh tempo dan non-akrual yang memenuhi syarat untuk
58
mempromosikan usaha kecil dan pengembangan masyarakat
FN-CB-240a.3 Jumlah rekening yang sebelumnya tidak memiliki rekening bank atau yang menghadapi keterbatasan
82,120-122
akses
FN-CB-240a.4 Jumlah peserta literasi keuangan untuk nasabah yang tidak memiliki rekening bank, atau kurang
115-116
terlayani
Inkorporasi Tata Kelola, Sosial, dan Lingkungan di Analisis Kredit
FN-CB-410a.2 Pendekatan untuk memasukkan faktor lingkungan, sosial, dan tata kelola (LST) dalam analisis kredit 63-67
Emisi yang Dibiayai
FN-CB-410b.1 Emisi bruto absolut yang dibiayai, dipilah berdasarkan (1) Cakupan 1, (2) Cakupan 2, dan (3) Cakupan 3 69-70
FN-CB-410b.2 Eksposur bruto untuk setiap industri berdasarkan jenis aset 70
FN-CB-410b.3 Persentase paparan bruto yang termasuk dalam perhitungan emisi yang dibiayai 69
FN-CB-410b.4 Deskripsi metodologi yang digunakan untuk menghitung emisi yang dibiayai 69-70
Etika Bisnis
FN-CB-510a.1 Jumlah kerugian akibat proses hukum terkait dengan penipuan, perdagangan orang dalam, anti-
trust, perilaku anti-persaingan, manipulasi pasar, malpraktek, atau undang-undang industri keuangan 52
terkait lainnya
FN-CB-510a.2 Deskripsi kebijakan dan prosedur whistleblowing 52
Sistem Manajemen Risiko
FN-CB-550a.1 Skor Global Systemically Important Bank (G-SIB), berdasarkan kategori 31
FN-CB-550a.2 Deskripsi pendekatan untuk memasukan faktor lingkungan, sosial, dan tata kelola (LST) dalam analisis
kredit ke dalam perencanaan kecukupan modal, strategi perusahaan jangka panjang, dan aktivitas 60-62, 67
bisnis lainnya
SUSBA ESG Integration Pillars
No Indikator Pengungkapan Halaman
1 Tujuan Strategi keberlanjutan dan pelibatan pemangku kepentingan 32, 38-39
Partisipasi dalam inisiatif Keuangan Berkelanjutan dan advokasi kebijakan dengan regulator 31, 42-46,
55, 59
2 Kebijakan Pernyataan publik tentang masalah LST tertentu 36-37, 66-67
Pernyataan publik tentang sektor tertentu 36, 57, 66-67
3 Proses Penilaian risiko LST dalam persetujuan klien dan transaksi 63-67
Pemantauan dan keterlibatan klien 63
4 SDM Tanggung jawab untuk LST 34-36
Pelatihan staf lingkungan dan sosial serta evaluasi kinerja 36-37, 97-100
5 Produk Integrasi LST dalam produk dan layanan 56-57
6 Portfolio Penilaian dan mitigasi risiko LST di tingkat portofolio 43, 64-65
Pengungkapan eksposur risiko LST dan target 44, 60-64
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 145
Page 148
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
ASEAN Corporate Governance Scorecard (ACGS)
Penerapan ACGS di BCA disampaikan lebih detail pada situs web BCA
https://www.bca.co.id/id/tentang-bca/tata-kelola/acgs
146 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 149
Pengelolaan Sumber Daya Manusia Berkarya Memberi Nilai Sekilas tentang
yang Berkelanjutan Laporan Keberlanjutan
Lembar Umpan Balik
PT Bank Central Asia Tbk (BCA) menerbitkan Laporan Keberlanjutan untuk memberikan gambaran atas kinerja keberlanjutan
dan penerapan Keuangan Berkelanjutan kepada pemangku kepentingan. Kami mengharapkan masukan, kritik, dan saran
dari Bapak/Ibu/Saudara setelah membaca Laporan Keberlanjutan ini dengan mengirim e-mail atau mengirim formulir ini
melalui pos.
Profil Anda
Nama (bila berkenan) : . .........................................................................................................................................................................................................................
Institusi/Perusahaan : . .........................................................................................................................................................................................................................
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Telp/Hp : . .........................................................................................................................................................................................................................
Kelompok Pemangku Kepentingan
Regulator
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Pekerja
Nasabah
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Masyarakat Umum
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Lain-lain, mohon sebutkan:
..........................................................................
Mohon Pilih Jawaban Berikut yang Paling Sesuai dengan Pertanyaan di Bawah.
YA TIDAK
1. Laporan ini mudah dimengerti.
2. Laporan ini bermanfaat bagi Anda.
3. Laporan ini sudah memaparkan kinerja keberlanjutan secara jelas.
4. Laporan ini sudah mengungkapkan topik-topik material yang relevan bagi Perusahaan.
Terima Kasih atas Partisipasi Anda.
Mohon agar Lembar Umpan Balik ini Dikirimkan Kembali ke Alamat:
Corporate Secretary
PT Bank Central Asia Tbk (BCA)
Menara BCA, Lantai 20, Grand Indonesia
Jl. M.H. Thamrin No. 1 Jakarta 10310
Tel. : (62 21) 2358 8000
Fax. : (62 21) 2358 8300
Surel : humas@bca.co.id
Situs : www.bca.co.id
Laporan Keberlanjutan 2024 PT Bank Central Asia Tbk 147
Page 150
Ikhtisar Fokus Perbankan yang Pengelolaan Pengalaman
Aspek Keberlanjutan Keberlanjutan Kami Bertanggung Jawab Pelanggan
Halaman ini sengaja dikosongkan
148 PT Bank Central Asia Tbk Laporan Keberlanjutan 2024
Page 151
Unity for
Responsibility
PT BANK CENTRAL ASIA TBK
SUSTAINABILITY
REPORT 2024
Page 152
Forward-looking Statement PT Bank Central Asia Tbk, and/or in this report referred to as “BCA”, is engaged in the banking sector and discloses its economic, social and environmental performance achievements, as well as its sustainability governance management through this Sustainability Report. This report is part of the Annual Report, which is presented separately, and contains data and material information for stakeholders. The contents of the Report are generally collected from internal documents and information from reliable sources. Readers are expected to understand that this Report presents data and information about projections and conditions in the future or forward-looking statements. BCA recognizes that risks and uncertainties from a variety of factors may affect future operating performance and business conditions. Therefore, we advise the readers that the Bank cannot guarantee that the data and information regarding future projections stated in this Report are true, accurate, and can be entirely fulfilled.
Page 153
2024
Sustainability Report
Unity for Responsibility
Responsible Action for a Better Future
‘Unity for Responsibility’ underlines BCA’s
responsibility in carrying out every business activity
that positively impacts long-term sustainability.
BCA is responsible not only for financial but also
social and environmental aspects. In a bid to achieve
sustainability goals, BCA continuously engages with all
parties to maintain and improve the quality of life, by
wisely managing resources and contributing to social
and economic development. With responsibility at
every step of the way, BCA is determined to make a
positive and lasting impact on future generations.
2024 Sustainability Report PT Bank Central Asia Tbk 1
Page 154
Table of
Contents
Contents
Sustainability Aspects
4 Highlight 53 Responsible Banking
16 Board of Director’s Message 54 Economic Performance
24 Sustainability Performance 55 Sustainable finance
Highlights Practices
60 ESG Risks and
Opportunities
28 Our Sustainability Focus
Management and Its
Effects to the Financial
Performances
29 Who We Are 68 Climate and Environment
32 Sustainability Strategy
34
40
Responsible Business
Management of ESG
75 Customer Experience
Management
Key Issues and Material
Topics
76 Responsibility on
49 Ethics and Integrity Sustainable finance
Products and Services
77 Digitalization and Smart
Solutions
78 Fair Services
81 Access and Affordability
83 Integrity in Banking
Services
89 Know Our Customer
2 PT Bank Central Asia Tbk 2024 Sustainability Report
Page 155
Sustainable Human Capital A Brief of Sustainability
91 Management 129 Report
92 Building Excellent Human 130 A Brief of Sustainability
Capital Report
101 Employment 131 Support and Contribution
Management to SDGs
107 Human Rights 134 Approval Sheet of the
Board of Commissioners
and the Board of Director
on the 2024 Sustainability
Report of PT Bank Central
Empowering Value Creation
111 Asia Tbk
135 Independent Assurance
112 Creating Value through Statement
Bakti BCA
139 POJK Number 51/
120 Empowering Local POJK.03/2017
Economies Reference, GRI
124 Conservation of Standards, SASB, and
Ecosystem SUSBA Indices
128 Program Impact 147 Feedback Form
Evaluation and
Measurement
2024 Sustainability Report PT Bank Central Asia Tbk 3
Page 156
Sustainability Our Sustainability Responsible Banking Customer Experience
Aspects Highlight Focus Management
Robust Transaction Banking
Franchise
End-to-end Supply Chain
Reliable Digital Capabilities
Number of Mobile
Supplier Principal Large-sized
Distributor
Mid-sized
Distributor
Retailer End Customer
& Internet Banking
Transactions
5.0x
in 5 years
1 Online Business Banking
Number of Mobile
Banking Users
2.8x
2 3
Merchant in 5 years
Point of
Sales (POS)
& Merchant
2.5x
Online payment embedded Apps
in 3rd party platform QRIS
Two Leading Mobile
Transaction Value
4 Banking Apps 5 E-Wallet YoY
8
1,264
Branches
7 24/7 Contact Center
6
Cash Deposit
& Withdrawal
Machine
Sustainable Customer Online Channels Reach
Growth New Records
Number of Current Account & Number of Transaction
Customers Saving Account (CASA) Transactions Value
Mobile Banking & Internet Banking
33.1 million Rp 924.0 trillion 31.6 billion Rp 28,261 trillion
7.6% YoY 81.5% 23.5% YoY 13.8% YoY
to total Third
Party Funds
4 PT Bank Central Asia Tbk 2024 Sustainability Report
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Sustainable Human Capital Empowering Value Sustainability Report
Management Creation in Brief
Serving Customers through Integrated
Multi-Channels with Various Features
Poket Valas
KlikBCA Money pocket for
Internet banking Welma in transactions with
Merchant BCA 16 foreign exchange
An app for easy for individual or MyBCA
business Online currencies
myBCA & BCA Mobile access to merchant
Mobile banking application services starting investing in
from on-boarding mutual funds,
to cater the needs of bonds, and
transactions for customers to support service, Online Account
connected with the access to Opening
across generation insurance
extensive EDC/QR Easy online
network information account opening
via myBCA and
BCAmobile
QRIS
Bank Indonesia’s
standardized QR code EDC APOS BCA
for facilitating national & Android based
crossborder payment payment point of
sales
Contactless
Faster and more
convenient payment via
eBranch BCA
credit and debit cards on A complementary app
BCA EDC for branch banking
service
Halo BCA New Branch Model
Supporting app to A hybrid branch
connect with Halo BCA banking, facilitated by
contact center 24/7 a combination of digital
channels and in person
services.
KeyBCA Apps BI-Fast
Digitalized Transfer channel real-
KeyBCA token time, 24/7, set by Bank
that allows Indonesia
customers
to authorize
transactions via
smartphone
Flazz
A multifunctional
transaction card with
ATM CRM RFID (Radio Frequency
ATM offering for both Indentification) chip
cash withdrawal and techology for non-cash
deposit facilities payment process
Paylater BCA
A credit facility that can
be used as an alternative
OneKlik payment method by
Online payment feature scanning QRIS in ‘myBCA’
- embedded in co-
partner’s app
application
2024 Sustainability Report PT Bank Central Asia Tbk 5
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Sustainability Our Sustainability Responsible Banking Customer Experience
Aspects Highlight Focus Management
Sustainability Achievement
and Highlight
Economic Performance
IMPACT OF SOLID SUSTAINABILITY PERFORMANCE GROWTH ON COMPANY VALUE
9 Green Financing Sectors
CAGR: 12.7% YoY:
229 12.5%
(In trillion Rupiah) 203
Pollution
184 99
prevention and
13.5% control
87
Green Financing
82 Energy
Efficiency
Eco-efficient
Products
Other
Environmentally
130 11.9% Friendly Business
MSMEs 102 116 Renewable
Activities
Energy
Sustainable
Transportation
Green Building
2022 2023 2024
Sustainable
Natural Resources
% to total and Land Use
portfolio 25.5% 24.9% 24.8% Sustainable Water
and Wastewater
Management
GREEN FINANCING & INVESTMENT
Renewable Energy Financing Established Sustainability Linked Loan Policy
Total Capacity Outstanding
216 MW Rp 1,003 billion
Outstanding Rp3 trillion 3x YoY
Participating in the Indonesian Electric Sustainable Palm Oil Financing
Vehicle Ecosystem Development
Palm Oil Financing Certification 2020 2024
Outstanding
ISPO and RSPO Certified 8 16
Rp 2,348 billion
RSPO Certified
ISPO Certified
# Palm Oil Corporate Debtors with
12
28
48
20
32
68
Certifications
The purchase of green corporate bonds as
%of Certified Palm Oil Debtors 36% 76%
part of the implementation of sustainable
finance % of Certified Palm Oil Loan Outstanding 45% 69%
Green Corporate Bonds (Sukuk)
Rp 1,635 billion
6 PT Bank Central Asia Tbk 2024 Sustainability Report
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Sustainable Human Capital Empowering Value Sustainability Report
Management Creation in Brief
SOCIAL SUPPORT & SUSTAINABILITY FOR MSMEs
Bangga Lokal
total 1,427 Total >1,500
merchants MSMEs
with total sales participated
volume in 2024
Rp548 billion
People’s Business Credit (KUR) Financing
Rp 784 billion 30.9% YoY
SUPPORTING WOMEN EMPOWERMENT
Women MSME Debtors Outstanding
47thousands Rp17.2 trillion
7.6% YoY 16.4% YoY
DEVELOPMENT OF BAKTI BCA MSMEs
Total MSMEs MSMEs workforce in Desa Halal Certification
Development Participants Binaan Bakti BCA Support for MSMEs
> 2,500 MSMEs 268 Local Residents 1,986 MSMEs
Total Training Participants Export Training Potential Value of
in Halal Certification Participants Exports
> 2,400 MSMEs 58 MSMEs Rp37 billion
2024 Sustainability Report PT Bank Central Asia Tbk 7
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Sustainability Our Sustainability Responsible Banking Customer Experience
Aspects Highlight Focus Management
Environmental Performance
Total Operation Emission Total Financed Emission
349,741 Ton CO2eq 28.9 million Ton CO2eq
OPERATIONAL EMISSION
2024 BCA’s Operational Emission Scope 1 & 2 Emission Intensity
(tCO2eq/billion Rupiah Operating income)
GHG Emission (tCO2eq) 2024
Scope 1 1.61
1.43
Stationary combustion 778.7 1.33
Mobile combustion 10.8
Fugitive emissions 3,861.1
TOTAL 4,650.6
Scope 2
Electricity purchased 139,855.6
Scope 3 2022 2023 2024
Category 1. Purchased goods and services 79,367.6
Category 2. Capital goods 56,881.3
Category 3. Fuel- and energy-related activities not
20,853.9
included in scope 1 or scope 2
Category 5. Waste generated in operations 2,325.3
Scope of operational emissions
Category 6. Business travel 10,704.9 calculation
100 %
Category 8. Upstream leased assets 34,306.1
Category 12. End-of-life treatment of sold products 795.5
TOTAL 205,234.6
Total GHG Emissions (Scope 1 + 2 + 3) 349,740.8 Operational emission from
Note: Scope 1, 2, and 3 has been
Calculations were made by extrapolating data from January to October 2024 for calculated nationwide
100% of BCA's Head Offices, Data Center, and Branch Offices.
FINANCED EMISSION
2023 BCA’s Financed Emission
Mining & Quarrying Processing Industry
1.7 million tCO2eq 23.3 million tCO2eq
TOTAL
Electricity, Gas, Steam/Hot & Agriculture, Forestry, &
Cold Air Procurement Fisheries
0.4 million tCO2eq 28.9 2.1 million tCO2eq
million tCO2eq
Construction Transportation & Warehousing
0.6 million tCO2eq 0.8 million tCO2eq
Note:
Calculations consisted of more than 50% of the BCA's total productive loan portfolio in 2023.
8 PT Bank Central Asia Tbk 2024 Sustainability Report
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Sustainable Human Capital Empowering Value Sustainability Report
Management Creation in Brief
EFFORT TOWARDS ENVIRONMENTALLY FRIENDLY OPERATION
Carbon Emission Reduction Potential
Ton CO2eq
Increased >2x in 2
years
4,216
IDXCarbon
Indonesia Carbon Exchange
3,021
1,996
71,500 Ton CO2eq
Participating in Indonesia’s
2022 2023 2024 carbon trade
Digital Banking Products Waste Management &
and Solutions Recycling Initiative
2,272 957
Ton CO2eq
4,216 Ton CO2eq
Ton CO2eq
Total carbon
reduction
potential Biodiversity
Green Building Conservation
879 Ton CO2eq
108Ton CO2eq
2024 Sustainability Report PT Bank Central Asia Tbk 9
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Sustainability Our Sustainability Responsible Banking Customer Experience
Aspects Highlight Focus Management
DIGITAL PRODUCT & SOLUTION
We enhance digital capabilities to accelerate digital transaction
DIGITAL BANKING SOLUTION DIGITAL WORKPLACE
36
Transaction Volume (billion)
30
24
18 Internal Digital Digital Approval
Administration Mechanism
Work From Hub Internal Online
2021 2022 2023 2024 Events
99.8%
of transaction done
through digital channels
35.9 billion Less Paper Less Mobilisation Less Emission
Total Digital Transaction
ENVIRONMENTALLY FRIENDLY BUILDINGS
2024 2024
WISMA BCA FORESTA WISMA BCA BSB
Became Indonesia’s First Building to Secure the
Green Mark Super Low Energy Building Certificate
Received Green Building
Certificate Platinum Level
27 2
Buildings Green
By Building and Construction Authority Singapore by Green Building Council Indonesia with Solar Building
Panel Certified
Minimize energy
intensity
2024 2023
Total transaction (kWh/txn)
0.005 0.006 15%
Building area (kWh/m2/year)
2021 2022 2023
Platinum Winner: Energy Winner: Energy 139 154 10%
Certificate Efficient Building Efficient
Green Building Subroto Award by Building
Council Ministry of Energy & ASEAN Energy Classified as “Efficient” based on
Indonesia Mineral Resoiurces Award SNI 03-6196-200
10 PT Bank Central Asia Tbk 2024 Sustainability Report
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Sustainable Human Capital Empowering Value Sustainability Report
Management Creation in Brief
WASTE MANAGEMENT & RECYCLING INITIATIVE
593
Total waste managed
Ton Rp 489.6 million
of waste management proceeds were
distributed to the Bakti BCA Foundation
410 60 Ton Ton
37 Ton
25 Ton
23 Ton
38 Ton
Archived Cartridge EDC & Non-Organic Plastic Other
Paper ATM Key BCA Waste Money Waste
Wrap
696 Kg
BCA’s electronic waste
recycled into an artwork
at the BCA Sustainability
Corner
BIODIVERSITY COSERVATION
51,500
trees planted
463 108 Ton CO2eq
estimated CO2 emissions absorption
(2021-2024)
local
involvement with 92% survival rate
2024 Sustainability Report PT Bank Central Asia Tbk 11
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Sustainability Our Sustainability Responsible Banking Customer Experience
Aspects Highlight Focus Management
Social Performance
PRIORITISING EQUALITY & WELFARE
26,532 Total BCA Employees
61.1% 61.4% 61.3%
Female Female New Female
Employees Managers Employees
4.67/ 5.0 3.4% 1.0%
Team Engagement Turnover Rate Absentee Rate
Score (scale 5)
ENHANCING SERVICE EXCELLENCE
>1.2 million 97.4%
Number of Customers’
received report received
customers’ report
88.1%
Whistleblowing Resolution
Rate
4.77 / 5.0 91st Percentile 4.88 / 5.0
Customer Engagement Global Customer Branch Service Quality
(CE) Index Engagament (BSQ) Index
12 PT Bank Central Asia Tbk 2024 Sustainability Report
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Sustainable Human Capital Empowering Value Sustainability Report
Management Creation in Brief
for Indonesia
2024 Program Distribution
Rp169.8 Billion of Corporate Social Responsibility funds disbursed
Bakti Lingkungan Bakti Pendidikan
51,500 trees planted 700 recipients of Bakti BCA Scholarship
of compost produced from waste
3 tons management training >230,000
participants of financial literacy
education
>15,000 sea turtle hatchlings released
10 people with disability received MUA
training and BNSP certificate
5 orangutans rehabilitated
32 Bakti BCA assisted schools
5 orangutans released into the wild
Initial survey for Javan leopard conservation
Bakti Budaya Bakti Kesehatan
performers of the cultural commitment to donate for Partnership
120 to Accelerate Stunting Reduction in
performance were mostly students
US$1 million Indonesia (PASTI) program 2023-2026
1,114 spectators of cultural performances
participants in natural dyeing for
1,010 patients underwent cataract surgery
65 blood bags in blood donation
woven fabric training
2,211 program
>Rp305 million inproduction
revenue from natural dye woven
individuals received healthcare service
13,620 subsidies at the Bakti BCA Clinic
Desa Bakti BCA
development program for
30 Bakti BCA Villages 76 tourism villages
tourists visiting Bakti BCA assisted MSMEs received support for halal
291,452 villages 1,986 certification
Rp13.3 billion Bakti BCA assisted villages’ revenue 58 MSME’s participated in MSME Go Export
employment in Bakti BCA assisted export value from Bakti BCA
1,213 villages Rp37 billion assisted MSME
2024 Sustainability Report PT Bank Central Asia Tbk 13
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Sustainability Our Sustainability Responsible Banking Customer Experience
Aspects Highlight Focus Management
Sustainability Governance Aspect
Award & Appreciation of Sustainability Practices
GOOD CORPORATE GOVERNANCE
ASEAN Corporate
Governance
Scorecard Rating
106.6
101.9 Grand Champion
BCA 85.2
77.0
Annual Report Best Overall
Average 67.0
70.0 Award 2023 IICD Award 2024
Regional
Theme: Internalizing Integrated Indonesian Institute for Corporate
2017 2019 2021 Mindset Toward Sustainable Directorship (IICD) Corporate
Long Term Value Creation Governance Conference and Award
ESG RATING BY INDEPENDENT INSTITUTIONS
MSCI Thomson Dow Jones
Indonesia Index Reuters - Refinitiv Sustainability Index
Top 10 Constituents ESG Scores S&P Global CSA
Rating A Score 50
Score 86/100 Rank percentile 80th
FTSE4Good FIHRRST
ASEAN 5 Index Best Sustainability
Top 10 Constituents Report
Rating A+
BCA constituents of:
• IDX ESG Leaders Index
• SRI - KEHATI Index
• ESG Quality 45 IDX - KEHATI
• ESG Sector Leaders IDX - KEHATI
IT & DATA SECURITY CERTIFICATION
ISO 20000-1:2018 ISO 27001:2013
ISO 27001:2013 for IT service management
for Enterprise Security for data center
& data center
network & operation
PCI DSS 3.2.1 Certification ISO 9001-2015
for BCA data center for data center operations
(global data security) & quality management system
14 PT Bank Central Asia Tbk 2024 Sustainability Report
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Sustainable Human Capital Empowering Value Sustainability Report
Management Creation in Brief
Recognition of
Our Excellence
Global Excellence in Retail Finance World’s Strongest Banking The 15th IICD Corporate Governance Satu Rekening Satu Pelajar (KEJAR)
Awards 2024 Brand 2024 Conference and Award Award
Most Recommended Retail Bank in Asia Top 50 Big Capitalization Public The Best Implementation in
Pacific, Best Retail Bank in Indonesia, Most Listed Company, Best Overall Big Conventional Bank
Recommended Retail Bank in Indonesia Cap
Bank Indonesia Award 2024
Best Rupiah Monetary Control
Supporting Conventional Bank, Best 14th Asian Excellence Award 2024
Forbes World’s Best Bank 2024 Green Finance Supporting Bank (KBMI Asia’s Best CSR (Bakti BCA)
Annual Report Award (ARA) 2023
#1 World’s Best Bank in Indonesia III and KBMI IV), Bank with Best Financial
Overall Champion
Reporting Compliance.
2024 Asia Executive Team
Gallup Global Customer Engagement 2023 FinanceAsia Asia’s Best Companies
FinanceAsia: FinanceAsia Asia’s Best #1 Best ESG (Sell – side dan
Customer Engagement (CE) Recognition - 2024
Companies 2024 Combined) in Asia ex-Mainland
CE Score above global average Most Committed to ESG (Silver) China dan #2 Best ESG (Sell – side)
in Core Asia
Newsweek: World’s Most Trustworthy Kantar BrandZ: Top 30 Most Valuable Building and Construction Authority
Companies 2024 Southeast Asian Brands 2024 Singapura: Green Mark Super Low
No. 1 World’s Most Trustworthy Companies #1 The Most Valuable Southeast Asian Energy Building
2024 in Banking Sector Brand in Indonesia, Most Meaningfully Wisma Foresta BSD - Certificate
Different Brand in Indonesia Green Mark Super Low Energy
Building (First in Indonesia)
ESG, CSR,
Corporate
GCG, & IVR
Product and
Employee
Services
Ministry of Finance Indonesia: Top Ranking Performance Award - 2024 Stevie Awards for Great
Dealer Utama dan Mitra Distribusi Asia Pacific Region HR Asia: HR Asia Award 2024 Employers:
Surat Berharga Negara Terbaik 8 Certified World Class (Best Contact Best Company to Work for in Asia, Best Leadership Development
Best SUN Primary Dealer I in 2024, Center, Best Contact Center Design, Most Caring Companies Program
Best SUN Primary Dealer in 2024 in Best CX Branch/Retail Service, Best
Secondary Market, Best SBSN Primary Employee Engagement, Best Employee Asia Pacific Stevie Awards 2024
Dealer I in 2024, Best SBSN Primary Wellness Program, Best Help Desk, Gold Winner - Award for Innovation
Dealer in Primary Market in 2024, Best Improvement Award, Best in Internal Corporate Events (BIA)
Best SBSN Primary Dealer in 2024 for Customer Service)
Quotation Implementation, Best SUN Brandon Hall Group Excellence Awards
Distribution Partner in 2024 - HCM Program 2024
Best Benefits, Wellness and Well-Being
Marketeers Youth Choice Award
Program (Bronze) - BCA’s Ring the Bell
2024
2024 Stevie International Business & Beautiful Life Programs, Best Results
Dream Workplace Category (Silver)
Awards of a Learning Program (Bronze) - BCA’s
Alpha Southeast Asia: 17th Annual Marketing Campaign of the Year - Digital Factory Program (DFP)
Private Wealth Awards 2024 Financial Products & Services (Gold) -
Best Wealth Management Bank in #SuddenlyPeaceful - BCA’s Ramadan
Indonesia Campaign, Brand & Experiences
- Exhibition Experience (Gold) (BCA’s
UMKM Fest - Festival for MSMEs)
2024 Sustainability Report PT Bank Central Asia Tbk 15
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Sustainability Our Sustainability Responsible Banking Customer Experience
Aspects Highlight Focus Management
Board of Director’s Message
Jahja Setiaatmadja
President Director
16 PT Bank Central Asia Tbk 2024 Sustainability Report
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BCA is committed to driving sustainable growth and creating long-term value
through strategic collaboration with stakeholders to achieve the Sustainable
Development Goals (SDGs). We are advancing towards sustainable banking by
integrating sustainability into our financing activities and actively managing
our carbon footprint. Our efforts focus on environmentally friendly operations,
including digitalization, waste management, green building initiatives, and
biodiversity conservation.
Guided by the principle of “Unity for Responsibility,” BCA remains dedicated to
building a better future and delivering longlasting benefits to society. In 2024,
we aim to further strengthen our positive impact on both communities and the
environment.
Our respected stakeholders,
Sustainability has become an integral part of With the Board of Directors’ and the Board of
our activities with all stakeholders. We continue Commissioners’ full supports, BCA continues to
to strengthen our sustainability governance by innovate in facing global challenges and creating
implementing prudent and responsible banking opportunities in the low carbon economy transition.
practices to respond to any changes towards
sustainability. With strong governance, we believe Strategy to Overcome Challenges
that BCA will optimally achieve its sustainability Maintaining a balance of sustainability and
performance targets. In 2024, BCA maintained its A development needs is essential to achieve inclusive
rating for the MSCI ESG Rating, 1st rank for Indonesian and environmentally-friendly economic growth. We
Banks on the Thomson Reuters - Refinitiv ESG Rating, continue to increase financing in green sectors, such
and a score of 50 in the Dow Jones Sustainability as renewable energy and electric vehicles, although
Index. Other ratings also show a good range of these projects scale are still relatively limited and
performance, encouraging us to maintain and further require strong policies support from the Government.
improve our governance, both for environmental and
social performance. In implementing sustainable finance, BCA prioritizes
good governance, developing climate-related
While these achievements are noteworthy, BCA risk scenarios, and strengthening cybersecurity. In
recognizes the business world faces challenges due addition, we promote financial literacy as part of the
to fluctuating economic conditions with relatively solution to technological challenges. With advances
high uncertainty. Despite, BCA remains focused on in artificial intelligence (AI) and digitalization,
strengthening its sustainability performance with good financial literacy is the key to empowering
a balanced approach between economic growth, customers and communities, while protecting them
social responsibility and environmental protection. from technological crime.
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During 2024, we also faced the challenge of Economic Performance
ensuring our human capital readiness to interact Supporting our sustainable business, BCA adopts
with digital transformation, business complexity, a hybrid bank business model that integrates ESG
and energy transition. In response, BCA carried out aspects. This model strengthens BCA's presence,
a Cybersecurity Awareness Month campaign and both physically and virtually, allowing for more
intensified training programs on various topics, inclusive, affordable, and equitable access to
particularly sustainability, including the Taxonomy for finance across the region.
Sustainable finance Indonesia (TKBI) and greenhouse
gas (GHG) emission calculations. We recruited 1,969 Throughout 2024, the number of customers
new employees to strengthen the team to face increased by 7.6% YoY to 33.1 million, while the
future challenges, creating a pool of talent who number of accounts increased by 8.0% YoY to 41.3
are ready to adapt and be innovative in a changing million accounts. This growth was supported by the
business environment. This strategy is our foundation opening of 4.7 million online accounts. This innovation
in addressing HC development needs, aligning with reflects BCA's success in providing modern and
our vision of sustainability and long-term growth. inclusive banking services. Digitalization at BCA
has accelerated online transactions, with branches
Sustainability Performance Achievements contributing around 0.2% and digital transactions
and Sustainable finance Implementation reaching 99.8%. Total digital transactions volume
BCA continues to strengthen ESG framework reached 35,930 million, up 20.6% YoY. In addition
by improving its systems, policies, processes, to improving access to finance, digitalization also
procedures, and risk management. As a realization, reduces the carbon footprint from the paper usage
BCA has developed and implemented key ESG and fuel of customer transportation.
measures within its financing activities, including
sectoral credit policies for high-risk industries, such BCA continues to lead the banking industry in digital
as the palm oil plantation and industry, coal mining, transformation with innovations that provide a better
toll road development, the cement and basic steel experience and easier access to digital services. One
industry, and timber and forest products. We maintain of the key advancements is the myBCA application
an exclusion list that targets activities, such as illegal which has evolved into a comprehensive tool.
logging, gambling, and violations of community BCA also launched the Merchant BCA application
rights. Credit proposals take into account the designed to support Micro, Small, and Medium
environmental protection and conservation efforts Enterprises (MSMEs). The application helps business
of debtors. BCA has established five ESG policies for owners easily manage financial transactions and get
the plantation, palm oil, coal mining, toll road, timber a 24/7 support through Merchant Care. BCA's digital
and forest products, and cement and steel sectors. services are further strengthened by the presence
ESG risk assessment is currently integrated in the of Halo BCA, a robust contact center with multiple
financing of these sectors. touchpoints and haloBCA Apps, an easy way to
connect with BCA. A total of 4,600 employees serve
BCA also actively participates in implementing the at Halo BCA spread across 6 locations to handle ± 107
regulator's sustainable finance roadmap, such as thousand calls/day. In addition, BCA strengthened
the mapping of debtors based on TKBI which is an VIRA Virtual Assistant, which is integrated with
updated version of the Indonesian Green Taxonomy popular chat applications such as Facebook
(THI), conducting Climate Risk Stress Testing (CRST), Messenger and LINE, providing real-time assistance
and implementing Climate Risk Management & to customers.
Scenario Analysis (CRMS) in accordance with the
regulator's directive in 2024.
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Digital transformation has been significantly Financing of the sustainable natural resources
improved to operational and economic performance. and land use sector is largely distributed to palm
BCA recorded solid financial and operational oil sector, which reached Rp69.6 trillion. There
performance in 2024. Interest income and sharia were 68 palm oil debtors who were ISPO and/or
was recorded at Rp94.8 trillion, growing 8.7% YoY. RSPO certified, an increase of 7.9% compared to
Meanwhile, net profit grew 12.7% YoY to Rp54.8 the previous year, accounting for 76% of the total
trillion, driven by increased loan volume, improved debtors in this sector. The financing of electric
loan quality, and higher transactions and third vehicles increased by 84% YoY, reaching Rp2,348
party funds. Financing rose 13.8% YoY, with Non- billion, reflecting the public's attention in using
Performing Loan (NPL) ratio maintained at 1.8%. environmentally friendly transportation. Meanwhile,
lending to the green building business sector reached
Third party funds increased by 2.9% YoY to Rp5,694 billion, a significant increase from 2023.
Rp1,133.6 trillion, with CASA contributing around
81.5% of total third party funds. Transaction volume In supporting MSMEs’ growth, BCA increased its
also grew significantly, reaching 36,016 million financing portion to Rp129.8 trillion, increasing by
transactions, up 20.5% YoY. 12% YoY. We also regularly carry various programs,
such as Bangga Lokal, UMKM Fest, and a special
Sustainability Portfolio interest rate program for women MSMEs. BCA
BCA is aware that it needs to optimize its sustainability continues to promote gender equality by increasing
efforts. This is reflected in an increase of sustainable women's access to financing. By 2024, financing for
financing for business activities, consisting of two women MSME entrepreneurs reached Rp17.2 trillion,
main categories: green financing and MSME. In 2024, improving 16.4% YoY, with a total number 47,856 of
sustainable financing grew beyond the set target of debtors.
8% YoY, increased by 12.5% YoY to Rp229 trillion and
contributed 24.8% to BCA's total financing portfolio. In addition, we began calculating GHG emissions
The sustainable financing portfolio is divided into from financing activities in 2024 and implemented
43.2% for green financing and 56.8% for MSMEs. a Climate Risk Management and Scenario
Analysis (CRMS) to support climate action and the
The green financing portfolio grew by 13.5% YoY Government's target of Net Zero Emissions (NZE)
to Rp99 trillion, which includes green financing, in 2060. BCA is one of seven banks that signed a
Sustainability-Linked Loan (SLL), and investment commitment to support NZE Indonesia with the
in green bonds. The three largest green financing Financial Services Authority (OJK). Following up on
categories around 70% were disbursed to BCA's first bottom-up Climate Risk Stress Testing
sustainable natural resources and land use, followed (CRST) analysis last year, we continued to deepen
by eco-friendly transportation and green buildings. our analysis of our portfolio risk exposure to climate-
related issues. In 2024, we were on track to meet the
OJK guidelines for climate-related risk assessment
and mitigation by reporting CRST for 50% of our
portfolio. The CRST results show that the credit
risk NPS remains well maintained at <5% and CAR
remains ample at >20%.
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Environmental Performance for informal workers and contributed towards BCA
Numerous environmentally friendly initiatives employees' children education through the donation
have been carried out within BCA's day-to-day for Bakti BCA Foundation. In addition, BCA creatively
operation activities, focusing on four main actions: transformed some of its operational waste into art
digital banking & product solution, waste recycling installations displayed in BCA's Gallery, in order to
& management, implementation of green building raise awareness and waste management lifestyle
& energy efficiency, and nature conservation and among employees.
biodiversity activities. Through these initiatives
implemented in 2024, BCA has potentially reduced a As part of its commitment to conservation and
total of 4,216 tCO2eq carbon emission, increasing by climate change mitigation, BCA has consistently
39.6% compared to 3,021 tCO2eq in 2023. supported the government to preserve nature and
biodiversity through Bakti Lingkungan by Bakti
Digitalization of banking operations became the BCA. In 2024, BCA rehabilitated 5 orangutans and
biggest carbon savings contributor, with 99.8% released 5 others. In collaboration with the Ministry
of transactions shifted to digital channels in 2024. of Forestry, BCA supports the collection of data on
By reducing paper consumption and physical the javan leopard population by installing surveillance
mobility, digitalization efforts continues to lower camera, conducting genetic analysis, as well as
carbon emissions across customer interactions raising awareness. In 2024, BCA also contributed
and internal processes. Digitalization also creates a to maintaining coastal ecosystems by planting
better customer experience while being part of the 1,000 mangrove seedlings, building an innovative
sustainability transformation. hatchery with a capacity of 15,000 sea turtle eggs,
and releasing 15,003 hatchlings. In addition, tens of
We continuously focus on improving energy thousands of trees were planted to restore critical
efficiency throughout BCA's buildings. We are proud land, projected to absorb 107.5 tCO2eq by 2024, and
to note that in 2024, Wisma BCA Foresta became bringing sustainable ecological and social benefits.
the first building in Indonesia to received the Green
Mark Super Low Energy building certificate from the Social Performance
Building and Construction Authority of Singapore. In BCA prioritizes social aspects in managing
addition, BSB Semarang Building also earned platinum employment, customer privacy, and contributions
level green building certification from the Green to society. By 2024, 61.4% of managers were
Building Council Indonesia. Furthermore, to support women. With a low turnover rate (3.4%), we have
the electric vehicle ecosystem, BCA provided two successfully maintained employee retention. The
public electric vehicle charging stations to enhance company also respects human rights and supports
its accessibility. work-life balance, by providing a grievance system
for employment issues.
BCA manages operational waste, such as expired
archived documents, e-waste, plastics, organic, Human capital competency development is carried
and inorganic waste, totaling up to 593 tons of out routinely through upskilling and reskilling training.
waste to be recycled by third parties. This initiative The average training hours for employees in 2024
potentially reduces greenhouse gas (GHG) emissions was 1,156,101 hours. A total of 100% employees have
by 957 tCO2eq and supports the implementation of attended various training modules from internal and
circular economy. In addition to the environmental external parties. We also continue to promote gender
impact, this activity also created job opportunities equality in improving every talent by providing equal
opportunities for all employees regardless of their
background.
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BCA is one of the banks that conducts human rights BCA through Bakti Pendidikan organizes the Business
assessments in accordance with the Business Risk & Banking Education Program (PPBP) and Informatics
Assessment and Human Rights (PRISMA) indicators Engineering (PPTI). In 2024, there were 264 PPBP
supervised by the Ministry of Law and Human Rights students and 308 PPTI students, and 99% of graduates
of the Republic of Indonesia. This is the real action joined BCA. BCA's commitment to education is also
reflecting our commitment to conducting business manifested through the Bakti BCA Scholarship for
that prioritizes human rights principles in every 700 Bakti Champions in the categories of financial
aspect of our operations. assistance, academic achievement, and aptitude
achievement. BCA also organized public lectures by
Social aspect management also includes handling BCA Directors in the BCA Berbagi Ilmu program, and
customer issues. Based on an independent survey by Bakti BCA assisted schools. In addition, BCA supports
Gallup, BCA's service quality scored 4.77 for Customer human capital development through the Bakti BCA
Engagement and 4.88 for Branch Service Quality. Internship program, SYNRGY for digital talent, and
BCA recorded no data leaks or breaches for the data the BCA Cash Management Academy vocational
security. We continue strengthening our information program. BCA also held makeup classes for 10
security, privacy and cyber risk management people with hearing disabilities (Teman Tuli) certified
systems to maintain our customers’ trust. BCA also by the National Professional Certification Agency
applies international quality standards, such as ISO (BNSP), as well as continuing the financial literacy and
27001:2013 and ISO 9001:2015. In addition, BCA inclusion program that promotes economic growth,
actively educates employees and customers on the especially in the 3T (underdeveloped, frontier, and
importance of cybercrime threat awareness through outermost) areas and by providing disability-friendly
official social media accounts. infrastructure.
Bakti BCA BCA's Bakti Kesehatan restored the eyesight and
Bakti BCA is committed to creating a positive quality of life of 1,010 beneficiaries through cataract
impact through programs that support Creating surgeries in 5 provinces in 2024. BCA distributed 699
Shared Value across various sectors. In 2024, reading glasses and organized eye health education
BCA disbursed Rp169.8 billion in Social and for 100 students, and supported Perdami with four
Environmental Responsibility (CSR) funds to improve units of cataract surgery equipment to expand
the community's quality of life and to amplify social medical services.
contributions in various sectors. BCA currently has 14
Assisted Villages and is mandated by the Ministry of Through Bakti Budaya, BCA trained 65 weavers in
Tourism to assist 16 Partner Villages, demonstrating Baduy and East Sumba in natural dyeing techniques
BCA's commitment to community empowerment to preserve traditions while increasing the
and local tourism development. In 2024, Bakti BCA’s economic value of their woven fabrics. Pagelaran
assisted villages generated over 1,200 employment Budaya Nusantara: Jiwa Surga Khatulistiwa, held in
opportunities and welcomed at least 291,452 visitors, Prambanan, involved 120 artists, including mentored
contributing to a total revenue of Rp13.3 billion. BCA students, and inspired 1,114 audience members to
also provided support to MSMEs, including halal love and preserve Indonesian culture.
certification assistance for 1,986 MSMEs and the
Go Export program for 58 MSMEs, with export value Strengthening Good Corporate Governance (GCG)
reaching Rp37 billion. Good corporate governance is one of the
sustainability aspects which is an important
foundation for the Bank in doing business and
carrying out operational activities prudently. The
implementation of good corporate governance is
the key to improving performance and sustainable
competitive advantage.
2024 Sustainability Report PT Bank Central Asia Tbk 21
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BCA’s standards of corporate governance were Sustainable finance Action Plan (SFAP) every year.
reflected in its ASEAN Corporate Governance Overall, the Board of Directors considered BCA's
Scorecard (ACGS) where BCA is categorized as sustainability performance in 2024 to be very good
one of ACGS ASEAN Asset Class PLCs. Further, and showed an increase compared to the previous
BCA received a series of recognitions from several year.
credible institutions due to the Bank’s consistent
adherence to solid governance practices. The Increased public interest in sustainable investment
recognitions, among others are from the Greatest has prompted the banking sector to provide
Champions of GRC Excellence Performance 2024, products that support sustainability. This opens up
the Grand Champion of Annual Report Award 2023, opportunities for BCA to expand green financing
the Best Overall in IICD Corporate Governance and collaborate with other banks and government
Award. agencies in funding green projects.
Sustainability Challenges, Opportunities, Future Commitment
and Prospects Going forward, BCA will continue to expand
BCA plays an active role in integrating sustainability collaboration with customers and stakeholders to
principles into the Bank's policies and business strengthen our green portfolio and increase low-
activities. The monitoring and implementation of carbon financing. With integrity, innovation, and
sustainable finance is carried out through regular sustainability as our foundation, we are optimistic
comprehensive deliberation between the Board that BCA can continue to be a “good corporate
of Directors, the Board of Commissioners, and the citizen” that contributes significantly to Indonesia
Divisions involved, at least four times a year. The Board and the world. We also believe that sustainability is a
of Directors also regularly monitors and evaluates the shared responsibility, and through good governance,
achievement of key performance indicators related people development, and responsible environmental
to ESG aspects, as well as the implementation of the management, we can all create a better future.
On behalf of the Board of Directors of BCA,
we sincerely thank you.
Jakarta, February 2025
Jahja Setiaatmadja
President Director
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Management Creation in Brief
Sustainability is a Part of Our Life;
Preserve Today, Sustainable Tommorow
Together for a Better Tommorow
Vera Eve Lim
Chief Financial Officer, Bank Central Asia
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Highlights
Sustainability Performance
Economic [FN-CB-000.A, FN-CB-000.B]
Description Unit 2024 2023 2022
Internal Performance
Operating income Rp billion 108,307 98,517 85,419
Net income Rp billion 54,851 48,658 40,756
Loan disbursements 1 Rp billion 921,878 810,392 711,262
Infrastructure financing Rp billion 72,853 58,679 56,179
(including non-cash loan)
Third Party Funds (TPF) 2 Rp billion 1,133,612 1,101,673 1,039,718
Total frequency of digital banking transactions Million times 35,927 29,794 23,776
Total taxes paid Rp billion 13,367 11,522 9,711
Economic Performance related to sustainable finance
Nominal products and/or services that meet Rp billion 228,566 203,086 183,971
Sustainable finance (SF) business activities
criteria
MSME loan disbursements Rp billion 129,801 116,038 102,316
KUR disbursements Rp billion 784 599 478
Percentage of total sustainable finance % 24.8 24.9 25.5
business categories (SF) to total financing
portfolio
Notes:
1
Including asset related to sharia transaction, consumer financing receivables and finance lease receivables.
2
Including sharia deposits.
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Financing for Sustainable Business
Activities [FS6, FS8][FN-CB-000.B]
2024 2023 * 2022 *
Description
Rp billion % Rp billion % Rp billion %
Total Sustainable Financing Portfolio 228,566 100.0 203,086 100.0 183,971 100.0
a. Renewable Energy 2,993 1.3 2,189 1.1 2,149 1.2
b. Energy Efficiency 254 0.1 74 0.0 - -
c. Pollution Prevention and Control 35 0.0 30 0.0 35 0.0
d. Sustainable Natural Resources and Land 69,561 30.4 67,848 33.4 66,249 36.0
Use
e. Sustainable Transportation 9,447 4.1 8,030 4.0 6,901 3.8
f. Sustainable Water and Wastewater 4,058 1.8 1,388 0.7 818 0.4
Management
g. Eco-Efficient Products 4,530 2.0 5,572 2.7 4,817 2.6
h. Green Building 5,694 2.5 75 0.0 77 0.0
i. Other Environmentally Friendly Business 2,193 1.0 1,843 0.9 609 0.3
Activities
j. MSME Activities 129,801 56.8 116,038 57.1 102,316 55.6
Non-MSME Sustainable finance Portfolio 98,765 100.0 87,048 100.0 81,655 100.0
Based on Segment
Corporate 92,236 93.4 82,502 94.8 79,236 97.0
Commercial 2,927 3.0 1,900 2.2 1,813 2.2
Consumer 1,967 2.0 1,011 1.1 227 0.3
Green bonds 1,635 1.6 1,635 1.9 379 0.5
Note:
*) Data on sustainable finance portfolio in 2023 and 2022 has been restated.
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Environment
Description Unit 2024 a) 2023 2022
Internal Performance
GHG emission from operations tCO2eq 349,741 310,089 b) 142,783
(scope 1, 2, 3)
Electricity consumption c) kWh 177,032,383 172,492,313 156,040,072
Electricity consumption intensity kWh/m2 139 154 139
kWh/ 0.005 0.006 0.007
transaction
kWh/employee 6,672 6,408 8,038
Paper consumption Ton 435 478 296
Paper waste reduction Ton (43) 182 239
Water consumption m 3
492,516 403,748 302,646
Branch offices adopting green office Offices 78 77 74
Environmental Responsibility Activities
Environmental responsibility activity funds Rp billion 10.7 8.1 1.5
realization
Reintroduction of orangutan in Kalimantan Individuals 5 5 5
Orangutan rehabilitation Individuals 5 5 5
Tree seeds Seeds 51,500 60,000 24,631
Environmental education Participants 623 682 939
BCA offices’ participation in Earth Hour Offices 946 864 544
Notes:
a)
The calculation of electricity, paper, water usage, and GHG emission from BCA's operation were extrapolated from January to
October 2024.
b)
The calculation was extrapolated from January to October 2023. Restatement for the 2023 operational emission due to methodology
and emission factor adjustment with Bank Indonesia's Green Calculator.
c)
Data in 2023 & 2024 covered all BCA's Head Office, Data Center, and Branch Offices (KCU, KCP, KCP Kas). Data in 2022 covered
BCA's Head Offices, Data Center, 120 KCU, and 742 KCP.
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Social
Description Unit 2024 2023 2022
Internal Performance
Females occupying director positions % 16.7 16.7 16.7
Total female employees to total employees % 61.1 60,8 61.4
Number of training hours Hours 1,156,101 1,183,950 950,297
Employee training and education expenses Rp billion 353.6 372.8 263.2
Number of participants in financial literacy People 228,973 296,022 155,769
education (CSR)
Customer Engagement (CE) Index Scale 1-5 4.77 4.75 4.73
Branch Service Quality (BSQ) Index Scale 1-5 4.88 4.88 4.86
Customer complaint settlement level % 97.4 97.3 98.1
Percentage of (whistleblowing) complaints % 88.1 98.2 88.5
investigated to total complaints received
Local parties involvement within supply chain % 99 98 98
Social Responsibility Activities
Social responsibility activity funds realization Rp billion 159.1 145.1 143.1
Number of PPBP and PPTI education graduates People 572 192 199
Number of assisted general clinic patients People 11,831 12,802 13,734
Number of assisted Family Planning clinic People 1,789 1,897 1,978
patients
Number of cataract surgery patients People 1,010 1,036 803
2024 Sustainability Report PT Bank Central Asia Tbk 27
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O1
Focus
Our
nability
Sus tai
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Management Creation in Brief
Who We Are
PT Bank Central Asia Tbk was established based on the Articles of Association, while the complete
the Company Deed of Establishment No. 38 with description of its business and supporting banking
the Deed of Notary Raden Mas Soeprapto dated activities is available in the 2024 Annual Report and
August 10, 1955, which was approved by the Minister https://www.bca.co.id/en
of Justice through Decree No. J.A.5/89/19 dated
October 10, 1955. The Bank, better known to the BCA's commitment as a provider of banking solutions
public as BCA, is a business entity in the form of a and promoting responsible banking principles is
Limited Company. supported by the concept of a future branch model
that utilizes various digital technologies. Through this
BCA's primary business activity is providing concept, BCA enhances the customer experience,
banking solutions to all segments of society. improves operational efficiency at branch offices,
BCA's line of business is stated in Article 3 of and becoming a safe bank for transactions.
Shareholding Percentage [2-1]
Robert Budi Hartono Bambang Hartono
(Ultimate Shareholder) (Ultimate Shareholder)
51.00% 49.00%
PT Dwimuria Investama
Public
Note: Andalan
54.94% 45.06% *
Controlling
Controlling Line
* In the composition of shares owned by the public as of December 31,
2024, 2.46% is owned by parties affiliated with PT Dwimuria Investama
Andalan. Commissioners (excluding Independent Commissioners) and
Board of Directors own 0.14% BCA shares.
Company Name [2-1] Head Office [2-1]
PT Bank Central Asia Tbk (BCA) Menara BCA, Grand Indonesia
Jl. M.H. Thamrin No. 1, Jakarta 10310
Tel. (62 21) 2358 8000
Lines of Business [2-1]
Fax. (62 21) 2358 8300
Commercial bank that carries out banking activities.
BCA’s line of business is in accordance with Article 3
of the Articles of Association. Financial products and Website
services can be accessed at https://www.bca.co.id/en/ https://www.bca.co.id/en
Individu/produk.
Call Center
Deed of Establishment
Deed of Establishment No.38 with Notarial Deed Raden
Mas Soeprapto dated August 10, 1955, approved by
the Minister of Justice through Decree No. J.A.5/89/19
dated October 10, 1955. Halo BCA 1500888
+6281 1150 0998 (WhatsApp)
Location of Operation [2-1] halobca@bca.co.id (e-mail)
Indonesia
2024 Sustainability Report PT Bank Central Asia Tbk 29
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Highlight Focus Management
Growing Value and Business Scale [2-1][FN-CB-000.A]
Total employee and management Number of offices (KCU, KCP, Cash Office)
2024 2024
2023 2022 2023 2022
26,532
People
26,915
People
24,508
People
1,264
Offices
1,258
Offices
1,247
Offices
Number of ATM Number of accounts
2024 2024
2023 2022 2023 2022
19,543
Unit
19,074
Unit
18,268
Unit
41.3
Million Accounts
Million Accounts
38.3 34.7
Million Accounts
Operating
Revenues Net Profit Total Asset Total Liability Total Equity
2024 2024 2024 2024 2024
Rp 108.3 Rp 54.8 Rp 1,449.3 Rp 1,186.5 Rp 262.8
trillion trillion trillion trillion trillion
2023 2023 2023 2023 2023
Rp98.5 Rp48.7 Rp1,408.1 Rp1,165.6 Rp242.5
trillion trillion trillion trillion trillion
2022 2022 2022 2022 2022
Rp85.4 Rp40.8 Rp1,314.7 Rp1,093.6 Rp221.2
trillion trillion trillion trillion trillion
Total Current Total Time Transactions
Total Savings Total Loan - Gross
Account Deposits volume
2024 2024 2024 2024 2024
Rp 562.1 Rp 361.9 Rp 209.6 Rp 921.9 36,016
trillion trillion trillion trillion million
2023 2023 2023 2023 2023
Rp536.2 Rp348.5 Rp217.0 Rp810.4 29,888
trillion trillion trillion trillion million
2022 2022 2022 2022 2022
Rp524.0 Rp323.9 Rp191.8 Rp711.3 23,877
trillion trillion trillion trillion million
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Market Served, Value Chain, and Business Relationship [2-6]
BCA operates in the banking industry and offers a wide range of financial solutions to the public. BCA's
customers include individuals, institutions, corporations, commercial businesses, as well as Micro, Small,
and Medium Enterprises (MSMEs). Based on sector, BCA serves various sectors such as the private sector,
government, state-owned enterprises, and foreign entities. Information on BCA's financial products and
services can be accessed at https://www.bca.co.id/en. As of the end of 2024, BCA has 12 Regional Offices,
138 Main Branch Offices (KCU), 906 Sub-Branch Offices (KCP), and 220 Cash Sub-Branch Offices (KCP Kas)
spread throughout Indonesia. Although only operating in Indonesia, customers abroad can still use BCA's
digital banking services to conduct financial transactions.
Since its establishment, BCA has continuously expanded its coverage and optimized its value chain, both in the
banking sector and other financial businesses through the support of 8 subsidiaries. As of September 1, 2024,
the number of subsidiaries changed after the merger of PT BCA Multi Finance into PT BCA Finance. Further
information on the business relationship between BCA and its subsidiaries can be accessed through the link
https://www.bca.co.id/en/tentang-bca/korporasi/Perusahaan-Anak
Meanwhile, BCA and its subsidiaries have made significant contributions to the national economy and
supported the achievement of the Sustainable Development Goals (SDGs). In 2024, BCA involved 3,916 local
partners out of a total of 3,951 partners. The procurement value for local business partners accounted for
94.6% of the total procurement cost of goods and services. In addition, BCA also complies with applicable
regulations and supports the financing of government projects.
Significant Changes [2-6]
During 2024, BCA recorded no significant changes regarding branch closures or openings, business models,
supply chains, or majority shareholding structures.
Association Membership [2-28]
BCA has been actively involved in various associations, institutions, and initiatives that support sustainability
practices. These memberships are part of BCA's strategic approach in carrying out banking activities with
regards to sustainability. BCA only contributes in the form of regular membership dues, without additional
financial support. As of the end of 2024, BCA has not been listed as a Globally Systemically Important Bank
(G-SIB) as defined by the Financial Stability Board (FSB). Nevertheless, BCA remains committed to applying
prudential principles and risk management in line with international standards to ensure operational stability
and sustainability. [FN-CB-550a.1]
The following is a list of BCA's membership in associations that support the sustainable finance implementation.
Association Membership in the Sustainability
No. Association Name
1 National Bank Association (PERBANAS)
2 ACI Financial Market Association (ACI FMA)
3 Indonesian Payment System Association (ASPI)
4 Communication Forum for Director of Banking Compliance (FKDKP)
5 Sovereign Debt Securities Trader Association (HIMDASUM)
6 Indonesia Contact Center Association (ICCA)
7 The Institute of Internal Auditors (IIA)
8 Indonesia Audit Committee (IKAI)
9 Indonesia Sustainable finance Initiative (IKBI)
10 Indonesian Publicly Listed Companies Association (AEI)
11 Indonesian Chamber of Commerce and Industry (KADIN)
12 Partnership for Carbon Accounting Financials (PCAF)
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Sustainability Strategy [2-22]
Our Approach
BCA implements sustainability practices to support a low carbon economy with strategies that include
sustainable finance, Sustainability Pillars, and other initiatives to achieve the Sustainable Development Goals
(SDGs). This commitment is integrated into the Bank’s vision, mission, core values, and sustainability pillars.
VISION
OF SUSTAINABLE FINANCE
To be the Bank of choice for the people who play a role as
a major pillar of the Indonesian economy, that aligns with
Indonesia’s sustainable development.
CORE VALUES
OF SUSTAINABLE FINANCE
Continuous
Customer Integrity Teamwork Pursuit of
Focus
Excellence
SUSTAINABILITY
PILLARS
01 02 03
Sustainable Sustainability Social Value
Banking Culture Creation
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MISSION
OF SUSTAINABLE FINANCE
To align the company’s
business activities with the
principles of sustainable
finance.
Implementing Sustainability Policy and Strategy [2-22, 2-23, 2-24]
BCA implements its sustainability policies and strategies in alignment with the vision and mission of sustainable
finance. In recent years, BCA has adjusted and implemented various internal policies, standard operating
procedures, roadmaps, strategies, and sustainable finance action plans. These initiatives are designed to
achieve sustainability performance targets and ensure balanced management of environmental, social, and
governance (ESG) along with economic aspects.
BCA emphasizes the integration of its business and sustainability strategies to achieve responsible and sustainable
business practices. Strategies for managing ESG aspects are further strengthened and implementation is
continuously monitored, with regular evaluations of their effectiveness. The implementation of the sustainability
strategy is directly supervised by the Director of Finance and Corporate Planning, coordinated by ESG Group,
and supported by all working units.
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Responsible Business
Embedding Sustainability Culture [2-22, 2-24]
BCA emphasizes its commitment to sustainability practices through its vision, mission, and three main pillars:
Sustainable Banking, Sustainability Culture, and Social Value Creation. These pillars have become a culture
at all levels of positions and work units to deliver a positive impact on stakeholders and the environment. To
cultivate sustainability culture, BCA reinforces all employees as agents of change through training programs,
ongoing socialization, and education on sustainability topics across all operational locations. Programs such
as ‘Sustainability Awareness Month’ education through e-learning, and other internal media are conducted to
strengthen understanding and implementation of sustainability at BCA.
BCA employees are the agents of change for a sustainability culture at BCA.
Sustainability Governance [2-13, 2-24]
BCA integrates sustainable finance and ESG Executive Vice President of the CFO Office. The
management as a shared responsibility across all Senior Executive Vice President of the CFO Office is
work units and directorates. The Board of Directors in charge of reporting sustainability performance to
and Board of Commissioners are actively involved the Director of Finance and Corporate Planning who
in the sustainability governance, performance in turn is responsible for submitting the report to the
monitoring, and management of ESG aspects. President Director. ESG and financial sustainability
performance indicators are also included in the
BCA's Environment Sustainability Governance (ESG) KPIs of the Board of Directors and related work
Group is a separate unit under the Director of Finance units, making sustainability an integral part of daily
and Corporate Planning reporting to the Senior operations.
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Sustainability Governance Structure [2-9]
BCA’s sustainability governance structure is described as follows:
GENERAL MEETING OF SHAREHOLDERS
BOARD OF BOARD OF DIRECTORS
COMMISSIONERS
PRESIDENT DIRECTOR
FINANCE &
DEPUTY PRESIDENT
CORPORATE
DIRECTORS AND
PLANNING
OTHER DIRECTORS
DIRECTOR
Senior
Executive
Risk Other Vice
Business Units: Supporting Units: CSR & Branches/
Management Head President
• Corporate • HR & Learning Corporate Regional
Banking & Compliance Institute Office
Communications Offices
• Commercial & Units: • Procurement & Units
SME Banking • Credit Risk Logistics ESG
• Consumer Analysis • Operation
Banking Strategy
Group
• Risk Management
• Transaction • Compliance • IT
Banking • Anti-Fraud
Sustainable
Coordination Line
finance
Note:
- The coordination line describes the mechanism for reporting progress on Sustainable finance
Detailed information on the composition of • Providing feedback on sustainability performance
the company's highest governance body and and/or sustainable finance submitted by the
committees is also available in the 2024 Annual Board of Directors; and
Report. Besides, this information can also be • Providing direction for the preparation of the
accessed at https://www.bca.co.id/en/tentang- SFAP in accordance with the Bank’s business
bca/tata-kelola/Struktur-Organisasi. Information strategy.
on the performance evaluation of the company's
highest organ can be accessed at https://www.bca. The Board of Directors’ role in implementing
co.id/-/media/Feature/Report/File/S8/Kebijakan- sustainable finance is to direct and lead the company
GCG/20190712-Final-Kebijakan-Self-Assessment- to achieve sustainability targets and objectives,
EN.pdf. which includes:
• Preparing the SFAP and Sustainability Report to
Duties of the Board of Commissioners, be submitted to OJK after obtaining approval
Board of Directors, and Officers in Charge from the Board of Commissioners;
of Sustainable finance Implementation • Developing business strategies and implementing
[2-12, 2-24] the Bank’s activities by considering and
In implementing sustainable finance, the Board of harmonizing economic, environmental, social,
Commissioners performs a supervisory role, which and governance aspects;
includes: • Ensuring the overall sustainability strategy aligns
• Approving the Sustainable finance Action Plan with the Bank’s strategy;
(SFAP) and Sustainability Report prepared by the • Approving policies related to sustainable finance;
Board of Directors, to be submitted to OJK; • Implementing the SFAP and the principles of
• Ensuring that the preparation of business sustainable finance in accordance with the
strategies and the implementation of the directorate’s scope of duties; and
Bank’s activities by the Board of Directors • Evaluating sustainable finance performance
have considered and harmonized economic, periodically.
environmental, social, and governance aspects;
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Meanwhile, the ESG Group's duties and functions, BCA manages risks associated with sustainable
which include: financing through collaboration with the credit risk
• Protecting the stakeholders' interests and unit. This risk management starts with the screening
improving compliance with laws and regulations process of prospective debtors’ credit applications.
by implementing good corporate governance Additionally, BCA has established sectoral credit
(GCG); policies for sectors with high potential of ESG risks.
• Building a culture of sustainable finance and
socializing to all relevant parties in the company to The monitoring results will be verified by the Risk
achieve sustainability performance (environment, Management Division to fit the Bank's risk appetite,
sustainability, governance/ESG); and before being delivered to the Risk Management
• Carrying out main tasks in areas that include Director and/or the Director of the relevant business
corporate secretary & integrated GCG, economy unit. In dealing with sustainability risk, BCA regularly
& environmental sustainability, and social & conducts short-term and long-term stress testing
sustainability governance. to evaluate resilience to various risk scenarios.
Procedures for Identification, Monitoring, Sustainability risk management, sustainability
and Risk Control of Sustainable finance performance achievement, and sustainable finance
Implementation implementation are discussed regularly in Board
[2-12, 2-14, 2-23, 2-24][FS9] of Directors meetings at least four times a year. At
Board of Commissioners and Directors, as the the end of the year, BCA prepares Annual Report
highest governance officials, actively monitor the and Sustainability Report which are available on the
effectiveness of sustainable finance implementation official BCA website for all stakeholders to access.
and management of ESG aspects. The Director of For shareholders, sustainability performance is
Finance and Corporate Planning as main person presented through analyst meetings, public expose,
responsible for the implementation of sustainable investor calls, GMS, and other forums.
finance, as well as overseeing the ESG Group. In her
role, the Director of Finance and Corporate Planning At the Annual GMS, BCA's Board of Directors
acts as a coordinator with the following main duties and Board of Commissioners report on financial
and responsibilities: performance, operations, GCG implementation, and
• Leading the preparation of the SFAP and sustainability achievements. Although BCA has not
Sustainability Report; adopted a specific shareholders' voting policy to
• Monitoring, evaluating, and following up on the discuss ESG issues at the GMS, shareholders are still
implementation of the SFAP on a regular basis; free to express their opinions in this forum. [FS12]
and
• Supervising and ensuring the implementation Sustainable finance Competency
of sustainable finance activities/initiatives/ Development [FS4]
programs in line with the Bank’s strategy and In 2024, BCA conducted an advanced stage
comply with applicable regulations. of sustainable finance training for employees
whose works are related to the sustainable
In implementing sustainable finance, the Board of finance implementation, including those who
Directors work closely together to achieve KPIs will be promoted to certain levels. Competency
under the coordination of the Director of Finance development is conducted through various methods,
and Corporate Planning. The President Director, such as forums, webinars, FGDs, sharing sessions,
other Board of Directors members, and senior internal communication media, and other training
executives also oversee and evaluate policies related media tailored to the needs.
to economic, social, and environmental aspects
incidentally as needed. Monitoring of sustainable The measurement of training effectiveness is
finance implementation is conducted quarterly and measured using employees' post-test results.
reported in the analyst meetings, taking into account BCA conducts competency development and
the achievements of the SFAP.
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introduction to sustainable finance through the Branch Gaspol Forum and all Regional Offices as well as
Sustainability Awareness Month to make all employees more aware of sustainability issues and sustainable
lifestyles.
In addition, to support the development of competencies related to sustainable finance, BCA involves external
parties, including experts, practitioners, academics, business people, consultants, and organizations such as
OJK, BI, Ministry of RI, GRI, CDP, IDX, FIHRRST, IAI, WWF, KADIN, IKBI, and Trisakti Sustainability Center (TSC).
BCA also consistently organizes annual refreshments on ESG and sustainable finance for the BCA's Board of
Directors and Board of Commissioners, committee members, as well as all Board of Directors and Board of
Commissioners in subsidiaries.
Sustainable finance Training Data by Position Level
Number of Participation (Participants)
Level of Position
2024 2023 2022
Board of Commissioners 4 4 1
Board of Directors 12 10 9
Senior Manager 39 1,549 63
Middle Manager 357 8,972 147
Line Manager 546 14,988 221
Staff 408 25,809 561
Non-staff 830 19,110 0
Total 2,196 70,442 1,002
Opportunities and Challenges in Implementing Sustainable finance
With the growing significance of sustainability issues and ESG risks, BCA is addressing various opportunities
and challenges that must be managed now to ensure future readiness.
Opportunities
• Growing attention from the government and investors regarding sustainable business,
encouraging the development of environmentally friendly products and projects.
• Many businesses have begun to pay attention to environmental aspects in conducting
their business.
• The opening of financing opportunities to support low-carbon economy, such as in the
renewable energy sector, electric vehicles and batteries, and waste management.
Challenges
• Increasing threat of cyber-attacks.
• Rapid development of information technology and increasing competition with the
financial technology (fintech) industry.
• Importance of compliance with green financing policies.
• Diverse ESG implementation standards set by various rating agencies.
• Initiatives and projects to reduce GHG emissions and contribute to achieving Net Zero
Emission (NZE).
• Implementation of Indonesian Green Taxonomy (THI), Taxonomy for Indonesian
Sustainable finance (TKBI), and Climate Risk Management & Scenario Analysis (CRMS).
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Stakeholder Engagement and Approach
Stakeholders play an important role in the sustainability of BCA's business and operations. By considering
dependencies, responsibilities, pressures and influences, BCA identifies key parties that may affect its
operations. Through stakeholders' engagement, BCA addresses significant issues and follows them through,
reflecting BCA's commitment to business sustainability as well as its management of ESG and economic
aspects. Interactions with stakeholders on ESG aspects are the responsibility of the ESG Group. The method
used to determine ESG discussion topics is through an interview process involving stakeholder representatives.
[FS5]
Approach to Stakeholder Engagement [2-29]
Involvement and
Key Concerns Our Response
Frequency
Regulator
• All compliance reports, • Compliance and implementation of • Complying with laws and regulations,
including evidence of prudential and governance principles capital market regulations, banking
announcement of the • Implementation of sustainable regulations, and other relevant regulations
Annual General Meeting finance, Indonesian Green Taxonomy • Ensuring corporate governance
of Shareholders (AGMS) (THI), Taxonomy for Indonesian implementation
and Extraordinary General Sustainable finance (TKBI), and • Developing the ESG Group to monitor the
Meeting of Shareholders Climate Risk Management & Scenario implementation of SFAP and improve the
(EGMS) and summary of Analysis (CRMS) quality of implementation of sustainable
Consolidated Financial • Anti-corruption, anti-fraud, Anti- finance, THI, TKBI, and CRMS
Statements. Money-Laundering, Counter- • Increasing the financing of Sustainable
• All reports are submitted Terrorism Financing, and Counter Business Activities Categories (KKUB)
at least once a year or Proliferation Financing (AML-CFT, • Complying with regulations, policies, and
incidentally whenever and CPF) threshold requirements of regulators
necessary. • Financing activities that support • Developing scenarios and conducting
sustainable business activities and financed emission calculation analysis, as
low carbon economy well as designing climate actions to support
• Tax payment and corporate the government's target in achieving NZE
performance reporting
• Support for government target to
achieve Net Zero Emission (NZE)
Investors and Shareholders
• GMS once a year, EGMS • Sustainability and financial • More comprehensive disclosure of
incidentally performance ESG performance information in the
• Analyst meeting and • Increase in lending to the green Sustainability Report and analyst meeting
publication of quarterly sector • Follow-up recommendations on ESG
financial reports • Improved financial and sustainability aspects from rating agencies and observers
• Annual Report and performance information • Develop strategies and roadmaps for
Sustainability Report once a • Target and metric settings of action to address climate change
year sustainability performance • Increase in investment value and dividends
• Support for climate change action • Conduct initial analysis of IFRS S1 and S2
• Share value perceived as premium implementation
by the general public • Calculate scope 3 emissions from the
• Analysis and strategies of ESG- financing portfolio and assessing the
related risks and opportunities calculation method
affecting financial reporting • Determine sustainability performance
metrics and targets
Employees
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Involvement and
Key Concerns Our Response
Frequency
• Regular internal • Training, education, competency • Availability of internal communication tools,
communication media development, including internal media, gatherings, sharing
• Internal meetings • Career path sessions, HaloSDM, and whistleblowing
according to the needs of • Welfare, health, safety, and security system
the relevant division of employees • Internal and external training sessions,
• Periodic gatherings • Equal opportunity and diversity conducted both offline and online with
• Freedom of association and various modules, including sustainability
expression of opinion topics
• Work-life balance program • Clear and transparent appraisal and
promotion system
• Ensure adequate office building and work
facilities
• Existence of labor union and Collective
Labor Agreement (CLA)
• The existence of a forum for creativity and
channeling workers' talents / interests
• Guarantee of workers' rights in accordance
with the CLA
Customers
• Banking activities in branch • Cybersecurity and customer data • Improving cybersecurity system and data
offices, call centers, and protection protection governance
other digital banking • Availability of adequate information • Updating product and service information
solutions, frequency at any on financial products and services on the company website
time and/or as needed • Ease of access to branch offices • Improving the integrity of assets, branch
• Other meetings, frequency and supporting facilities for banking office buildings, ATMs, and other assets
as needed activities • Improving frontliner product knowledge
• Service and product/service and excellent service based on the SMART
knowledge by frontliners SOLUTION principle
• User friendly digital banking platform • Continuous update of IT systems and digital
• Competitive loan interest rates and banking platforms
attractive programs • Providing competitive credit interest rates
• Customer complaint handling according to the reference and developing
attractive programs
• Optimizing performance of customer
complaint services (Halo BCA)
• Carrying out periodic customer surveys
Business Partners/Suppliers/Vendors
• Interaction through various • Transparency in establishing • Provide the required information
means of communication at cooperation • Conduct fair and appropriate partner
any time • Clear tender procedures and work selection partners
• Vendor-related code of contracts • Socialization of procurement procedure
conduct • Smooth communication and long- policies
• Socialization of goods term cooperative relationship • Ensure healthy and safe working conditions
and services procurement • Timely payment • Ensure payment system according to work
requirements once a year • Implementation of ESG practices in contract
the supply chain • Conduct vendor performance assessment
• Socialization of the implementation of ESG
practices
General Public
• Regularly organized public • Education and training • Bakti BCA Program
seminars or trainings • Workforce absorption and/or • Internships and provision of job
• Community engagement internship opportunities as needed
and development activities • Financial inclusion and literacy • Financial inclusion and literacy program
• Bakti BCA, UMKM Fest, • Mentoring and two-way • Program impact assessment
Bangga Lokal, and other communication to develop and • Development of innovative and inclusive
activities enhance the Bakti BCA program programs that reach vulnerable groups and
• Program development for vulnerable people with disabilities
and disabled groups
Media
• Banking information, • Schedule of meetings during press • Providing material for press releases
periodically or incidentally. conferences • Development of communication tools such
• Media coverage (print and • Clarity and responsibilities of as press conference, pressroom on BCA
electronic) published communication material website, and email corcom_bca@bca.co.id
• Aligning perceptions and • Updating information related to banking
understanding of ESG to support solutions or company performance
efficient communication of presented on the official BCA website
information
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Management of ESG Key Issues
and Material Topics
Materiality Analysis and Material Topic Determination [2-14, 3-1, 3-2]
BCA identified the significant issues and material The material topic determination also considers
topics presented in this report through a materiality significant banking issues in the current year, actual
assessment process. Stakeholders were directly and potential impacts related to ESG, economy,
involved through interviews and questionnaire human rights, and their influence on business
surveys. BCA also reviewed the previous year's strategies and future stakeholder decisions. We
material topics to ensure their relevance and to be use the double materiality approach to assess the
discussed in the final assessment of material topics. management of sustainability-related risks and
opportunities that can have a financial impact and
influence the financial disclosures of stakeholders,
especially shareholders and investors.
Material Topic Determination Process
01 02 03 04
Stakeholder
Assessment and
Identification & Validation Integration
Prioritization
Engagement
BCA identified The identified issues The materiality BCA integrates
issues relevant to and topics will be assessment process significant issues and
the sustainability assessed using a is conducted once a material topics into its
context in the banking double materiality year by involving input risk management and
industry and their approach which from external experts strategy execution. In
impact on the Bank’s considers: and by considering addition, management
strategy. In addition, • Financial standard references also integrates
BCA conducted in- materiality to future for the banking sector. material topics with
depth interviews value creation. In addition, materiality business opportunities
with stakeholders • Material impact assessment carried and performance
to identify the key on environmental, out under supervision targets. BCA discloses
concerns and issues social, and by: the management of
of each stakeholder economic aspects. • ESG Group material topics to
group. • Director of Finance boost positive impact
& Corporate and value creation,
Planning while mitigating ESG
risks.
(Integration of
impact, risk, and
target management
is presented in the
discussion of each
Material Topic
Management)
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Material Topic Priority [3-2]
No. Material Topics Significant Issues SDGs
1 Customer Data Protection • Strengthen data security system
and Information System • Cyber risk management
Resilience • Customer privacy protection policy
• Information technology and system resilience
2 Responsible Financing • ESG risk management in lending
• Green financing portfolio
• Sustainability-linked loan
3 Climate Action • Disclosure of GHG emissions for scopes 1, 2, and 3
• Management of climate-related financial risks
• GHG emission reduction initiatives
• Environmental management initiatives (energy,
emissions, waste, water)
• Climate change strategy and support to NZE
4 Service Excellence • Experience ease and secure transactions
• Time efficiency through digital banking services
• Grievance mechanism
5 Anticorruption and • Anti-corruption and anti-fraud dissemination and
Anti-fraud awareness campaign
• Whistleblowing system (WBS)
• Anti-corruption and anti-fraud policy compliance in the
supply chain
6 Work Culture and Human • Human rights due diligence
Rights • Respectful workplace
• Employee engagement
7 Access and Affordability • Reaching the unbankable community
• Development of digital banking application features
• Financial inclusion and literacy
8 Community Development • Community economic development program
• Education and scholarship programs
• Supporting capacity building of MSMEs
This year's material topics changed significantly from those in the previous period as well as the order of
prioritization. The changes in material topics were influenced by the identification of new significant issues
during the determination and assessment of the prioritized material topics, which resulted in some material
topics being readjusted.
In 2024, we conducted in-depth interviews with representatives of stakeholder groups and used the double
materiality approach, with material and financial impact. This activity allowed us to analyze the top three
material topics: Customer Data Protection and Information System Resilience; Responsible Financing; and
Climate action, were identified as having a significant financial impact in the future if not properly managed.
Full details of the material topic changes and the reasons behind them are provided separately in the Materiality
Assessment Report 2024.
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Material Topic Management [3-3]
Our management of eight material topics is described in detail, covering the positive and negative impacts
on the economy, environment, community, and human rights in our business relationships. We also disclose the
organs that monitor and evaluate the effectiveness of sustainability performance and actions.
1. Customer Data Protection and Information System Resilience
Why it matters:
Data security and privacy are the rights of every customer, debtor, and client of BCA that must be fulfilled to maintain stakeholder
trust. BCA provides adequate information systems and IT infrastructure to support data and cyber security systems.
Impact management:
BCA demonstrates its commitment to respecting human rights by managing the impact of data security, information and
customer privacy. This includes protecting customers' personal data, deposit data, and financial security. Personal data
protection policy is applied in all operational activities of the Bank, including in cooperation with business partners, suppliers
and vendors. The implementation of a data security management system aims to reduce risks that may arise from system
deficiencies, such as data breach, scams, fraud, phishing, and cybercrime.
Commitment and target: Policies:
BCA remains committed to preventing data theft by • Board of Directors Decree No. 175/SK/DIR/2017 dated
consistently improving its data security management system November 30, 2017 on the Issuance of Risk Management
and information technology (IT) infrastructure. The Bank sets Basic Policy Manual in the Use of Information Technology
a primary target of zero data breaches. • Board of Directors Decree No. 196/SK/DIR/2024 dated
November 25, 2024 on Revision of Information Security
Evaluation of theTopic Management Effectiveness: Policy
In strengthening the management of data security and • Board of Directors Decree No. 156/SK/DIR/2024 dated
customer privacy, BCA has implemented an integrated September 26, 2024 on Consumer Protection
monitoring system at various levels. This involves the • Board of Directors Decree No. 141/SK/DIR/2022 dated
Information Technology Security Group (ISG), which monitors September 16, 2022 on Operational Risk Management
and reports data security conditions directly to the Vice Policy
President Director. BCA conducts audits of privacy policy • Board of Directors Decree No. 075/SK/DIR/2023
compliance and cybersecurity systems every three years. dated April 6, 2023 regarding Information Technology
During the reporting period, there were no data breaches Implementation Policy
or reports of data misuse. In addition, the Bank also ensures • Circular Letter No. 257/SE/POL/2015 dated December 11,
that cybersecurity policies and practices are effectively 2015 on BCA’s Product Information Transparency and Use
implemented to maintain system integrity. of BCA’s Customer Personal Data
• Circular Letter No. 154/SE/POL/2016 on the Offering of
Financial Services Products and/or Services with Regard
to Consumer Protection Principles
• Collective Labor Agreement (CLA)
• Company’s Code of Conduct
BCA is committed to continuously strengthening its data security and customer privacy.
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2. Responsible Financing
Why it matters:
The green loan portfolio is a key material topic for the Bank to manage. The Bank's commitment to sustainable finance practices
and its contribution to supporting the achievement of the Sustainable Development Goals (SDGs) further reinforce the
significance of this topic.
Impact management:
Sustainable finance practices have become mandatory requirement from the government and the Bank's commitment to
achieve sustainability in the future. In managing its green portfolio, the Bank reports on sustainable financing and conducts ESG
risk mapping. The Bank aims to minimize ESG risks in financing and increase the contribution of financing in environmentally
friendly sectors so that it can have a positive impact on stakeholders and the environment. In addition, BCA also has developed
strategic partnerships with the government, other private sectors, and relevant associations/institutions to develop joint
solutions to achieve long-term business resilience and move towards a green economy.
Commitment and target: Policies:
Manage environmental and social risks in financing and strive • Board of Directors Decree No. 196/SK/DIR/2019 regarding
to achieve sustainable financing targets according to the sustainable finance provisions
SFAP. • Board of Directors Decree No. 169/SK/DIR/2020 on Review
of the Basic Credit Bank Policy (KDPB) of PT. BCA, Tbk
Evaluation of theTopic Management Effectiveness: • Board of Directors Decree No.198/SK/DIR/2020
Monitoring and evaluation of the green loan portfolio is concerning Changes to AMDAL Provisions and Prohibitions
carried out along with monitoring the sustainable finance on Providing Credit (exclusion list)
implementation. The monitoring process is conducted • Board of Directors Decree No. 179/SK/DIR/2021 regarding
quarterly and reported regularly to the Board of Directors and Environmental Policy of PT Bank Central Asia Tbk
Board of Commissioners. In addition, discussions related to • Board of Directors Decree No. 268/SK/DIR/2021 regarding
sustainable finance achievement and implementation as per Plantation and Palm Oil Industry Financing Policy
the SFAP are also presented to stakeholders through analyst • Board of Directors Decree No. 198/SK/DIR/2022 on
meetings. In particular, the management of the green loan Environmental, Social, and Governance (ESG) Policy for
portfolio is under the direct supervision of the Director of Coal Mining Sector Financing
Finance and Coprorate Planning. • Board of Directors Decree No. 203/SK/DIR/2022 on
Environmental, Social, and Governance (ESG) Policy for
Financing Toll Road Development Sector
• Board of Directors Decree No. 212/SK/DIR/2022 on
Environmental, Social, and Governance (ESG) Policy for
Timber and Forest Products Industry Sector Financing
• Board of Directors Decree No. 213/SK/DIR/2022 on
Environmental, Social, and Governance (ESG) Policy for
Financing the Cement and Basic Iron and Steel Industries
• Board of Directors Decree No. 179/SK/DIR/2024 on
Sustainability Linked Loan
BCA continuously supports the sustainability of the future through
responsible financing.
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3. Climate Action
Why it matters:
Climate change-related risks can affect the continuity of business activities in the long term. Therefore, the Bank needs to take
climate-related risk mitigation measures in its financing activities, given that the debtor's business activities may contribute to
greenhouse gas (GHG) emissions.
Impact management:
Climate-related risk assessment is now one of the concerns in credit assessment, especially for sectors with high GHG emissions,
while encouraging debtors to implement decarbonization strategies. BCA actively manages sectors that are vulnerable to the
impacts of climate change and focuses on increasing financing for projects oriented towards renewable energy development,
pollution reduction, energy efficiency, and better waste management.
Commitments and targets: Policies:
• Manage GHG emissions • Board of Directors Decree No. 179/SK/DIR/2021 dated
• Improve energy efficiency in bank operations September 22, 2021 on PT Bank Central Asia Tbk
• Contribute to the achievement of SDG - Goal 13 on climate Environmental Policy
action by 2030 and support Indonesia to achieve Net Zero • Board of Directors Decree No. 212/SK/DIR/2022 dated
Emission by 2060 November 29, 2022 on Environmental, Social, and
Governance (ESG) Policy for Financing the Timber and
Evaluation of Topic Management Effectiveness: Forest Products Industry Sector
The Director of Finance and Coprorate Planning leads the • Board of Directors Decree No. 197/SK/DIR/2021 dated
integration of climate action, with support from working October 6, 2021 on Community Empowerment Policy of PT
units involved in sustainable finance implementation. In Bank Central Asia Tbk
the financing aspect, BCA is gradually assessing debtors
based on their environmental protection and management
efforts, as well as climate change mitigation and adaptation
strategies, with guidelines from the Indonesian Green
Taxonomy and the Indonesian Sustainable finance Taxonomy.
The Bank continues to expand its green portfolio, consistently
implement environmental management, and conduct GHG
emission calculations in scopes 1, 2, and 3. In addition, BCA
also strengthens climate action by mapping climate risks and
analyzing their impact on financial performance.
4. Service Excellence
Why it matters:
Delivering the best service in terms of products and services is key to providing the best customer experience. Therefore, BCA
continuously develops digital services to meet customer needs and provide equal service to all its customers. The Bank always
focuses on providing solutions to customer needs, convenience, and a high level of security when customers make transactions.
Impact management:
Service excellence is supported by digitalization to facilitate transactions, save time, and reduce environmental impact.
The two main pillars of BCA's service development are digital branches and enhanced customer relationships. We provide
comprehensive information and education through various media to help customers understand more about BCA's products
and services. We also have grievance procedures in place to ensure prompt and appropriate resolution.
Commitments and targets: Policies:
By providing service excellence, BCA is committed to • SMART SOLUTION service standard
maintaining customer trust and always being the first choice • Board of Directors Decree No. 080/SK/DIR/2015 dated
in banking solutions, with the target of maintaining customer June 18, 2015 on Policy for Issuance of Products/Activities
satisfaction level every year. and Provision of Supporting Information Technology
Systems
Evaluation of Topic Management Effectiveness: • Circular Letter No. 181/SE/POL/2009 dated December 1,
BCA employees are regularly briefed on policies, 2009 on Guidelines for Monitoring Complaint Handling
procedures, and standards of service to customers. BCA • Circular Letter No. 115/SE/POL/2019 dated June 11, 2019 on
measures and maintains service quality through Customer Customer Complaint Handling
Engagement surveys and Branch Service Quality surveys. • Circular Letter No. 328/SE/POL/2023 dated November 6,
Service excellence implementation is led by the Operation 2023 on Summary of Product and/or Service Information
Strategy & Development Group (POL) and Contact Center & (RIPLAY).
Digital Services (CDG), under the supervision of the Deputy
President Director.
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5. Anti-corruption and Anti-fraud
Why it matters:
Trust is fundamental to the business of banking, making anti-corruption and anti-fraud practices a critical element of
attention.
Impact management:
Anti-corruption, and anti-fraud management positively impacts banks and stakeholders by building trust in business
relationships. The Bank must uphold anti-corruption and anti-fraud principles with zero tolerance for violations, whether by
management, employees, or partners.
Commitments and targets: Policies:
Zero fraud and corruption. • Board of Directors Decree No. 778/SK/DIR/1995 dated August 24, 1995 on
BCA Banker Code of Ethics
Evaluation of Topic Management • Board of Directors Decree No. 219/SK/DIR/2003 dated October 10, 2003
Effectiveness: on Provisions for Conflict of Interest
BCA regularly conducts dissemination of • Board of Directors Decree No. 146/SK/DIR/2017 dated November 1, 2017
information regarding anti-corruption, on the Implementation of Whistleblowing System in BCA
gratification control, and anti-fraud. • Board of Directors Decree No.139/SK/DIR/2020 dated July 20, 2020 on
In addition, BCA has implemented a Anti-Fraud Declaration and Integrity Pact
Whistleblowing System (WBS) and a three • Board of Directors Decree No. 114/SK/DIR/2021 dated June 17, 2021 on
lines of defense internal control system, Adjustment of Anti-Fraud Strategy Policy
comprising prevention, investigation, and • Board of Directors Decree No. 269/SK/DIR/2021 dated December 31, 2021
monitoring. Monitoring and evaluation of the on Anti-Corruption and Gratification Control Policy
effectiveness of these policies is conducted • Board of Directors Decree No. 233/SK/DIR/2024 - Policy on Anti-Money
through audits at least every three years, with Laundering, Countering the Financing of Terrorism, and Combating the
the results of monitoring reported regularly to Financing of Proliferation of Weapons of Mass Destruction (AML-CFT and
management. CPF) Program
• Board of Directors Decree No. 234/SK/DIR/2024 - Provisions on the
Implementation of Anti-Money Laundering, Countering the Financing of
Terrorism, and the Combating the Financing of Proliferation of Weapons of
Mass Destruction (AML-CFT and CPF) Program
• Collective Labor Agreement (CLA)
6. Work Culture and Human Rights
Why it matters:
BCA's work culture includes the principles of a respectful workplace and respect for human rights. The topic is a fundamental
value for carrying out all banking activities and maintaining harmonious relationships with all stakeholders, especially between
management and employees.
Impact management:
The implementation of respectful workplace principles and respect for human rights at BCA can increase employee engagement
by creating a safe, inclusive, and respectful work environment. As a result, when employees feel appreciated and treated fairly,
they are more motivated to contribute to their full potential.
Commitments and targets: Policies:
• Creation of a decent and safe workplace • Board of Directors Decree No. 214/SK/
• Zero human rights violations DIR/2021 dated October 27, 2021 on Human
Rights Policy
Evaluation of Topic Management Effectiveness • Board of Directors Decree No. 778/SK/
A work culture of mutual respect has been implemented in BCA's work DIR/1995 dated August 24, 1995 on BCA
environment, including the application of respectful workplace principles and Banker Code of Ethics
respect for human rights. We have a human rights policy under coordination, • Collective Labor Agreement (CLA)
monitoring, and evaluation of the Head Office Work Unit in each relevant
work area. In 2024, BCA has also established a Respectful Workplace Policy
to solidify our commitment to creating a positive work culture. We believe
that a good work culture can strengthen positive working relationships and
drive higher productivity. BCA's Team Engagement score in 2024 reached
4.67 on a scale of 5.
The ESG Group annually reports the performance of the Human Rights Policy
implementation to the Board of Directors, Board of Commissioners, and all
stakeholders through the Sustainability Report. BCA may also request an
external independent party to perform an objective assessment of human
rights performance according to applicable standards.
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7. Access and Affordability
Why it matters:
The need for banking products and services is increasing, which needs to be met with a wide access network for them.
Impact management:
Wide access to banking facilities that are easily accessible to the public has a positive impact by increasing customer
convenience and strengthening the Bank's role in supporting the economy. However, the Bank needs to manage the potential
negative impacts of this easy access, such as an increase in fraud through social engineering, cyber attacks, and other
technological crimes.
Commitments and targets: Policies:
Providing more affordable banking solutions and increasing • Implementation of Corporate Budget Plan (RKAP)
access to financial solutions to reach more customers. • Bank Business Plan (RBB)
• Decree No. 222/SK/DIR/2024 on Financial Literacy &
Evaluation of Topic Management Effectiveness: Inclusion Improvement
BCA's access to banking solutions is managed in an integrated
manner by various divisions. Corporate Strategy & Planning
Division (DCSP) has submitted its quarterly RBB targets and
realizations to OJK. Meanwhile, the Operation Strategy &
Development Group (POL) and the Network Management &
Regional Development Division (DJPW) are responsible for
ensuring BCA's solutions are accessible to customers and the
wider community. In 2024, information security and cyber-
attack management systems have been well implemented
by the Information Technology Security Group (ISG) to
ensure the security of digital banking access and networks.
The management of access and affordability of banking
solutions is monitored by the Deputy President Director and
the Regional & Branch Network Director.
8. Community Development
Why it matters:
BCA is committed to making a positive impact on local communities and the wider community around its operational locations.
BCA's presence in various regions is expected to create sustainable added value and contribute to community development,
through social, educational, and economic empowerment programs that are relevant to local needs.
Impact management:
Impact management of community development is carried out through Bakti BCA. The positive impact experienced by the
community includes the growth of the local economy which contributes to poverty alleviation and national development. BCA
focuses on increasing investment in activities that promote development and empowerment, rather than just philanthropy.
With this approach, the community is expected to have a more sustainable impact.
Commitments and targets: Policies:
Undertaking community development and empowerment • Decree No. 193/SK/DIR/2020 on BCA Sustainability
activities to support the achievement of SDG targets, Governance
especially SDGs 3, 4, 8, and 10. • Decree No. 197/SK/DIR/2021 on BCA’s Community
Empowerment Policy
Evaluation of Topic Management Effectiveness:
The community development program is organized by the
Corporate Communication & Social Responsibility (CCR)
Group through Bakti BCA. BCA is realizing Rp169.8 billion for
all community development-related activities in 2024. The
realization of Bakti BCA implementation includes various
programs of mentoring and development of assisted villages,
assisted MSMEs, improvement of the quality of education,
health services, preservation of local cultural arts, as well
as conservation and environmental rehabilitation, which has
had a significant positive impact on many groups in nearly all
parts of Indonesia.
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Risk Management and Business Resilience
BCA believes that effective risk management can increase business resilience, especially in times of transition
and periods of uncertainty. We proactively take measures to mitigate the impact of risks to adapt quickly and
respond to challenges. The risk management framework includes four core activities: Risk Identification and
Assessment, Risk Measurement, Risk Management and Control, and Risk Monitoring and Reporting. The Bank
manages business risks, including ESG risks, to meet the expectations of regulators, to protect the interests of
the bank and its stakeholders, and to boost long-term business performance.
In the initial analysis of IFRS Sustainability, BCA assessed ESG-related risk events and their impact on the
bank's financial disclosures. In this initial stage, the assessment involved identifying ESG risks and their impact
on financial accounts. In the next stage, the Bank monitored developments and made internal preparations to
adopt the IFRS Sustainability framework.
Summary of Initial Assessment of ESG Risk Prioritization and Impact on Financial Disclosures
Risks Impact Analysis on Financial Affected
Risks Risk Treatments
Category Reporting Account
Operational System, 1. Enhance data security 1. IT infrastructure and systems 1. Intangible
Risk people, internal governance and development and/or assets
process & IT cybersecurity maintenance costs 2. Fixed assets
risks 2. Organize IT-related 2. ISO 27001 certification costs 3. Administrative
employee training and for security management and general
Impact of ESG certification system expenses
aspects: 3. Perform Stricter Penetration 3. Handling costs for data breach 4. Training or
Governance Testing and Security Audits complaints certification
Social 4. Assets Management/Assets cost account
Storage (data center)
5. Conduct dissemination of
BCP awareness and BCP
testing including cyber
incident simulations
Credit Risk Credit Risk 1. Implement ESRM in 1. Non-performing loans due 1. Disbursed
financing activities. to the climate-related risks loans
Impact of ESG 2. Develop, review, and affecting the debtor's business. 2. Interest
aspects: update internal policies 2. Increase provisioning to income
Governance related to environmental address high rate of NPLs 3. Other
Environment management and green 3. Costs for training on ESG and operating
financing in line with sustainability topics expenses
regulator's requirements 4. Reputational risk from the 4. Training costs
3. Conduct continuous training domino effect caused
on the implementation of by debtors who violate
sustainable finance environmental and social
4. Perform Climate Risk Stress compliance, incurring costs to
Testing (CRST) regularly handle the associated cases.
5. Tightening monitoring of
loan portfolio and business
activities of debtors.
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Risks Impact Analysis on Financial Affected
Risks Risk Treatments
Category Reporting Account
Strategic Risk Policy changes 1. Studying changes in Costs of socialization and 1. General and
for public policies and their impact on implementation for new policies. administrative
companies and the company. expenses
the banking 2. Hold dialog with regulators 2. Other
sector in on current policies and operating
Indonesia regulations. expenses
3. Developing internal policies 3. Other
Impact of ESG and infrastructure including expenses
aspects: the risk management
Governance system, information system,
Social and internal control system.
Environment 4. M e n g i m p l e m e n t a s i k a n
kebijakan baru sesuai
dengan timeline regulator.
Market Risk Exchange rate 1. Diversify portfolio (asset 1. Calculation of Minimum 1. Capital/equity
and interest and geographical) to reduce Capital Adequacy Ratio (CAR) 2. Profit/loss
rate risk the impact of risk. reporting. 3. Exchange rate
2. Manage credit risk 2. Banking transactions difference
Impact of ESG 3. Manage the trading book denominated in foreign 4. Liquid assets
aspects: portfolio that is exposed to currencies that result in foreign 5. Other
Governance interest rate risk exchange gains and/or losses accounts
4. Perform measurement of affected
banking book interest rate by market
risk transactions
Insurance Risk Delay in 1. Underwriting risk 1. Record insurance transaction 1. Other assets
receiving management receivables 2. Accrued
insurance 2. Strengthen governance and 2. Other expenses incurred expenses
redemption insurance risk management 3. Prepaid
3. Ensure the adequacy of insurance
Impact of ESG internal control systems and premium
aspects: human resources
Governance 4. Improve management
information system
BCA has always been committed to the implementation of cyber
security as part of risk prevention.
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Ethics and Integrity
Financial institutions are the backbone of a healthy economy wherever they operate. Therefore, BCA is
committed to being a responsible bank that provides financial services and products to all members of
society. We adhere to ethical banking practices based on the values of transparency, accountability, fairness,
integrity, and long-term value creation.
BCA upholds integrity in serving the community.
Fair Operating Practices [2-27]
Ethical operating practices are part of the implementation of corporate social responsibility. Implementation
of ethical operating practices in BCA is reflected in the following policies:
• Implementing the banking code of ethics;
• Ensuring fair operational practices;
• Refraining from involvement in politics or government policies;
• Establishing, maintaining and strengthening governance, including tax compliance;
• Respecting and supporting intellectual property;
• Avoiding monopolistic practices;
• Enforcing anti-corruption, gratification control, and anti-fraud;
• Maintaining sustainability across value chain in various fields and formulating policies to address issues,
such as data security, human rights, and environmental preservation.
During the reporting period, BCA complied with Indonesian policies, regulations, and laws, ensuring that BCA
has never received any sanctions of fines due to non-compliance related to fair operating practices.
Responsible Supply Chain
BCA maintains transparent business relationships with partners and suppliers to support a sustainable
business value chain. The Bank is developing a Good Procurement Practices Guideline (GPPG) for suppliers and
partners to perform their duties with integrity, legal compliance, and sustainable principles. The guidelines
cover the principles of legal compliance, transparency, social and environmental risk management, abolition
of forced labor, and Occupational Health Safety (OHS), and data protection standards. We require all partners
to sign an Integrity Pact and meet established sustainability standards. We provide internal dissemination to
relevant work units involved in the selection process of suppliers and other business partners to support the
implementation of responsible procurement practices in accordance with GPPG.
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BCA ensures suppliers and partners are free from corruption, child labor, and forced labor, along with the
implementation of environmental management. In addition, they must also comply with business ethics,
such as anti-corruption and data protection. With this approach, BCA ensures that partners not only support
uninterrupted operations but also contribute to the achievement of long-term sustainability.
In our supply chain, we always prioritize local involvement, as we aim to drive the economy in Indonesia. In
2024, we have engaged 3,916 local suppliers/business partners, with procurement value reaching 94.6% of
total procurement.
Proportion of Supplier Engagement Based on Number of Business Entities
Number of Suppliers/Business Partner
Type of Supplier/Business Partner
2024 2023* 2022*
Local 3,916 3,852 5,524
Overseas 35 35 53
Total 3,951 3,887 5,577
*) Data on the number of suppliers in 2023 and 2022 has been restated.
Proportion of Supplier Engagement Based on Procurement Value
Type of Goods Procurement Value (Rp billion) Procurement Value Service (Rp billion)
Supplier/
Business 2024 2023 2022 2024 2023 2022
Partner
Local 2,587 4,129 5,672 902 1,742 7,825
Overseas 148 72 169 52 48 107
Total 2,735 4,201 5,841 954 1,790 7,932
Report Transparency and Credibility
In 2024, BCA strengthened its sustainability communication governance with the aim of minimizing the risk
of greenwashing. All communication channels, related to banking solutions and corporate performance
information, as well as environmental and social impact claims must undergo a review and approval process
by the relevant divisions. Every report published takes into account the principles of transparency and
accountability. In addition, the report is also verified by an independent party.
Anti-corruption and Anti-fraud
BCA always upholds the principle of trust and does not tolerate any form of fraud, corruption, collusion, or
nepotism. The implementation of anti-corruption and gratification control policies refers to Board of Directors
Decree No. 269/SK/DIR/2021 dated December 31, 2021 and Circular Letter No. 336/SE/POL/2022 dated
September 15, 2022, while the anti-fraud strategy policy refers to Board of Directors Decree No. 114/SK/
DIR/2021 dated June 17, 2021*. These policies can be accessed through the website: https://www.bca.co.id/
en/tentang-bca/tata-kelola/acgs/kebijakan-gcg.
*) The anti-fraud strategy policy has been adjusted in accordance with the Board of Directors Decree No. 009/SK/DIR/2025 dated January
20, 2025 following the regulatory requirements.
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Implementation of Anti-corruption and commitment, the Board of Directors and Board
Gratification Control [205-1, 205-2] of Commissioners have signed the Anti Fraud
BCA continues to be committed to strengthening the Declaration, and all BCA employees at all levels are
culture of anti-corruption and gratification control required to sign the Integrity Pact.
within the company through the following measures:
1. Each member of the Board of Commissioners, In addition, anti-corruption, gratification control and
Directors, and employees of BCA is required anti-fraud enforcement are also carried out in the
to prepare an Annual Disclosure covering all supply chain, where partners or vendors are required
conditions or situations that could potentially to sign a statement letter and contract containing
lead to a conflict of interest. a commitment not to commit corruption or fraud
2. Internalization of anti-corruption and gratification before cooperation begins.
control values through sharing sessions,
socialization, mandatory e-learning, and other BCA has enforced its anti-fraud policy with the
internal media. support of the Anti Fraud Bureau, which monitors the
3. The availability of whistleblowing system as implementation of anti-fraud policies and strategies
a channel for reporting corruption, fraud, and within the bank. The bureau also oversees the
gratification that can be accessed by internal effectiveness of prevention, detection, investigation,
and external parties, which is supervised by the reporting, evaluation, and follow-up activities related
Compliance Division as the Gratification Control to fraud cases. Periodically, the Internal Audit Division
Unit. will assess the implementation of the anti-fraud
4. Building a culture of anti-corruption and strategies through risk-based audits.
gratification control from customers, debtors,
vendors, work partners, and other third parties Each regional office, branch, and head office work
for services provided, and all BCA personnel are unit involved in operational activities has its own
required to comply with the Code of Ethics related internal control unit. The focus of supervision is
to relationships with vendors, as stipulated in the directed at functions that have a high risk of fraud
Corporate Governance Guidelines. and potential corruption, such as procurement of
5. Not engaging in political activities, such as goods, storage of cash and valuables, and financial
providing funds, political contributions, or transactions involving customers. This supervision is
voluntary donations that could potentially lead carried out by internal supervisors in each work unit.
to money laundering, collusion, and bribery. This
policy is regulated in the Corporate Governance To raise awareness regarding anti-corruption,
Guidelines under the Code of Ethics section. gratification control, and anti-fraud, BCA provides
socialization and conducts training on these topics
Anti-fraud Enforcement [205-1, 205-2] every year. In 2024, a total of 35,299 employees,
BCA's anti-fraud policy includes the prohibition including interns participated in training. Periodically,
against all forms of fraud, giving or receiving we provide socialization to all employees through
gratuities, and corruption. All employees, including e-mail blasts and internal communication media, so
the Board of Directors and Board of Commissioners, that 100% of BCA employees receive socialization
must uphold the anti-fraud principles. As a on anti-fraud. [205-2]
Anti-corruption and Anti-fraud Training Data [205-2]
Number of Employees
Anti-corruption and Anti-fraud Training
2024 2023 2022
In Class Training -* 3,446 5,875
e-Learning 35,299 35,172 33,178
*) Starting in 2024, training was conducted entirely through e-learning.
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Incident Management and Follow-Up Actions [205-3][FN-CB-510a.1]
There were 96 cases of internal fraud with a potential loss of Rp37.58 billion, while external fraud had the
potential to cause losses of up to Rp90.52 billion. Every incident of fraud and corruption has been followed
up according to procedures, with the sanction of termination of employment or other sanctions based on the
provisions in the CLA. All incidents have been handled properly and BCA noted that there were no cases of
fraud or corruption that had a significant impact on the company's operational sustainability.
Whistleblowing System [FN-CB-510a.2]
As part of the good governance (GCG) implementation, BCA operates a whistleblowing system (WBS) to
report ethical violations, fraud, corruption, and other code of conduct violations. Reports can be submitted
through BCA's official website website with clear information based on the What, Who, When, Where, dan
How (4W1H) principles. The report will be received and validated directly by the WBS manager, with BCA
guaranteeing the confidentiality of the reporter's identity.
Settlement of Violation Complaint Reports [205-3]
Year Status Total Remarks
In process (open) 7 Proven (6), not proven (6), incomplete data (24), customer
2024
Completed (closed) 52 information (9), complaints (7)
In process (open) 0 Proven (6), not proven (4), incomplete data (25),
2023
Completed (closed) 55 information/complaints (20)
In process (open) 0 Proven (4), not proven (3), incomplete data (15), customer
2022
Completed (closed) 26 information (2), complaints (2)
Note:
Complete information regarding the Whistleblowing System (WBS) is available in the 2024 Annual Report and Whistleblowing Report at
https://www.bca.co.id/en/tentang-bca/tata-kelola/Whistleblowing-System.
Classification of Proven WBS Reports
Breaches of the Codes of Conduct 2024
Corruption or Bribery 0
Harassment 2
Customer Privacy Data 1
Conflicts of Interest 0
Money Laundering or Insider Trading 0
Others 3
Whistleblowing System on BCA’s official website.
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Economic Performance
Throughout 2024, BCA has made a positive impact on Indonesia’s economic growth, as demonstrated by the
upward trend in the country’s economic performance. The Bank recorded a stronger economic performance
compared to the previous year, ensuring the achievement of the determined targets for the year. In 2024, BCA
did not receive any financial assistance from the government. [201-4]
Achievement vs Target 2024
2024
Description 2023 2022
Target Achievement
Loan Growth 9%-10% 13.8% 13.9% 11.7%
CASA Growth 6%-8% 4.4% 4.3% 10.4%
Net Interest Income 5.5%-5.6% 5.8% 5.5% 5.3%
Cost to Income (CIR) 34%-35% 31.5% 33.8% 33.9%
Return on Asset (ROA) 3.4%-3.6% 3.9% 3.6% 3.2%
Return on Equity (ROE) 21%-23% 24.6% 23.5% 21.7%
Economic Value Generated and Distributed (in billion rupiah) [201-1]
Description 2024 2023 2022
A. Economic Value Generated
Interest Income and Sharia 94,796 87,207 72,114
Other Operating Income 26,042 23,579 21,557
Other Comprehensive Income (Expense) (345) (1,106) (3,323)
Total Economic Value Generated 120,494 109,679 90,348
B. Economic Value Distributed
Interest Expenses and Sharia 12,532 12,269 8,252
Other Operating Expenses 38,054 37,281 31,638
Allowance for Impairment Losses on Assets 2,034 1,056 3,314
Dividend Payments 34,209 26,196 19,108
Payments to Government 13,367 11,522 9,711
Community (Environmental) Investment 170 153 143
Total Economic Value Distributed 100,366 88,477 72,166
C. Economic Value Retained (A-B) 20,128 21,202 18,182
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Sustainable finance Practices
BCA supports the national and international low- • Actively seeking opportunities for sustainable
carbon economy targets through our commitment to financing such as the development of special
enhancing sustainable development and positively programs for MSMEs, EVs, and loans under the
impacting future generations. We consistently Sustainability-Linked Loan (SLL) scheme
implement sustainable finance practices, not only as 2. Internal Capacity Building
part of our commitment toward responsible business • 20% of SF-related employees attend
practices, but also to aligned our efforts to mitigate advanced SF training
financial risks due to climate change, enhance our • SF-related training for 100% of employees
positive reputation and competitiveness, support who are promoted to certain levels
Indonesia’s Sustainable Development Goals (SDGs) • SF refreshment for management of BCA and
targets, meet market demand for innovative its subsidiaries
sustainable financing, and to maintain BCA’s long 3. Adjustments to organization, risk management,
term business sustainability. governance and/or standard operating
procedures
• Development of policies, SOPs, and/or
Sustainable finance Action Plan reporting systems related to green taxonomy,
respectful workplace policy, ESG-based
In 2024, BCA prepared and reported the 2025 business partnering framework, etc.
Sustainable finance Action Plan (SFAP) to OJK, • Development of ESG awareness programs
containing plans to provide financing for Sustainable and campaigns for BCA employees
Business Activities (KUB); internal capacity building; • Conducting pilot Climate Risk Stress Test
and organizational adjustments, risk management, (CRST) for 50% of the financing portfolio and
governance and/or standard operating procedures. development of Climate Risk Management &
The ESG Group periodically receives sustainability Scenario Analysis (CRMS)
performance reports and holds meetings with • Completing the calculation of greenhouse gas
relevant work units, to ensure data accuracy and as emissions including financing emissions
part of monitoring purposes. The Bank also conducts
periodic audits at least once every three years to
ensure that sustainability policies, procedures, and Responsible Financing
performance are on track with the targets set out in
the SFAP. BCA integrates Environment, Social, and Governance
(ESG) aspects into its business strategy to support long-
In this reporting period, the SFAP prepared and term sustainable business performance, in alignment
reported by BCA in the previous year has been with the growing attention from stakeholders on the
realized beyond the targets. The targets of 2024 implementation of these aspects. BCA is committed
SFAP include: to continuously expand its financial portfolio
1. Financing of sustainable business activities in the sustainable financing category, both for
• Sustainable Financing (SF) grew by an green financing as well as the MSME category. The
average of 8%, including 11% growth in KUR increasing lending towards environmentally friendly
disbursements sectors is expected to accelerate the low-carbon
• SF portfolio contribution reached a minimum economy’s transition process.
of 20% of the bank’s total portfolio
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Sustainable Financing Portfolio
Description Unit 2024 2023 2022
Number of products meeting the sustainable financing categories
1. Funding Number of - - -
products
2. Lending a) Number of 3 3 2
products
Total earning assets for sustainable business activities
3. Total SF Loans/Financing b) Rp billion 228,566 203,086 183,971
4. Total SF Loans/Non-Financing Rp billion 694,294 613,160 536,160
Total Bank Loans/Financing Rp billion 922,860 816,246 720,131
Percentage of total sustainable loans/financing to % 24.8 24.9 25.5
total Bank loans/financing
Note:
a) Products for channeling sustainable financing funds are integrated with BCA’s existing loan/financing products.
b) Sustainable financing portfolios as of December 31, 2022, and 2023 were restated to adjust with the results of sustainable financing
portfolio identification as of December 31, 2024.
Sustainable Financing Portfolio based on Business Segment [FS6]
2024 2023 2022
Description
Rp billion % Rp billion % Rp billion %
Green Financing Portfolio 98,765 43.2 87,048 42.9 81,655 44.4
- Corporate 92,236 40.4 82,502 40.6 79,236 43.1
- Commercial 2,927 1.3 1,900 1.0 1,813 1.0
- Consumer 1,967 0.8 1,011 0.5 227 0.1
- Green bonds/Sukuk 1,635 0.7 1,635 0.8 379 0.2
MSME sustainable financing 129,801 56.8 116,038 57.1 102,316 55.6
portfolio
Total Sustainable Financing 228,566 100.0 203,086 100.0 183,971 100.0
Note:
The Sustainable Financing portfolio as of December 31, 2022 and 2023 is restated to adjust to the identification results of the Sustainable
Financing portfolio as of December 31, 2024.
In 2024, BCA recorded a sustainable financing portfolio at Rp 229 trillion, an increase of 12.5% compared to
Rp203 trillion in the previous year. The percentage was higher than the sustainable financing target of 8%.
The sustainable financing portfolio consisted of 43.2% green financing and 56.8% MSMEs financing. The
sustainable financing portfolio attributable to 24.8% of the total Bank’s portfolio in 2024. [FS10]
The increase in sustainable financing portfolio is driven by stakeholders’ growing awareness of climate change
issues, which creates market opportunities for businesses based on climate solutions. BCA envisions the
integration of ESG aspects in financing as a strategic move to strengthen its sustainable financing portfolio.
One of these efforts is through the implementation of a financing policy through the Sustainability-Linked
Loan (SLL) scheme.
Under the SLL scheme, BCA and the debtors agree on Key Performance Indicators (KPIs) and Sustainability
Performance Targets (SPTs) tailored to the debtors’ main line of business, relating to ESG and sustainability
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aspects of the company, such as certification and/or the company’s GHG emission reduction. The mechanism
entitles debtors to receive incentives if they successfully achieve the agreed set of SPTs. By the end of 2024,
total outstanding financing under SLL scheme reached Rp1,003 billion, a threefold increase compared to the
last year.
Green Financing
Green Financing Portfolio based on Business Sector (Rp billion) [FS6, FS8]
Sustainable Business Sector 2024 2023 2022
Renewable Energy 2,993 2,189 2,149
Energy Efficiency 254 74 -
Pollution Prevention and Control 35 30 35
Sustainable Natural Resources and Land Use 69,561 67,848 66,249
Sustainable Transportation 9,447 8,030 6,901
Sustainable Water and Wastewater Management 4,058 1,388 818
Eco-Efficient Products 4,530 5,572 4,817
Green Building 5,694 75 77
Other Sustainable Business and/or Activities 2,193 1,843 609
Total 98,765 87,048 81,655
Note:
Green Financing portfolio as of December 31, 2022 and 2023, is restated to adjust to the identification results of the Green Financing
portfolio as of December 31, 2024.
A full explanation of the loan portfolio based on by business sector, and segments (corporate,
commercial & MSME, and consumer) can be accessed in the 2024 Annual Report. [FN-CB-000.B]
BCA continues to provide green financing to support the national sustainable finance agenda. Financing
activities in the Sustainable Natural Resources and Land Use category were recorded at Rp69.6 trillion by the
end of 2024. The Bank requires certifications such as ISPO or RSPO for palm oil companies, FSC and PEFC for
wood processing, and UTZ Certification for coffee and cocoa products to ensure environmentally responsible
practices. BCA has also issued a stringent policy in financing the palm oil sector, through Board of Directors
Decree No. 268/SK/DIR/2021, to prevent funding of deforestation practices and human rights violations.
Financing for Certified Palm Oil Industry Companies [FS10]
2024 2023 2022
ISPO & RSPO
Certification Status Number of Outstanding Number of Outstanding Number of Outstanding
Companies (Rp billion) Companies (Rp billion) Companies (Rp billion)
ISPO Certified 32 13,679 28 12,562 30 11,846
RSPO Certified 20 20,828 22 22,405 16 19,848
ISPO and RSPO Certified 16 5,267 13 5,477 13 7,728
Total 68 39,774 63 40,444 59 39,422
Note:
The certified companies are predominantly corporate debtors with 69% of the total outstanding engaged in the Palm Oil Plantation and
Palm Oil Industry sectors. [FS11]
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Furthermore, the Bank has been supporting the transition to a low-carbon economy by enhancing its financing
and lending towards renewable energy projects. BCA recorded total lending at Rp2,993 billion for various NRE
projects, including solar, hydro, mini-hydro, biogas, and biomass power plants. [FS8]
Micro, Small, and Medium Enterprises [FS6, FS7, FS8][FN-CB-240a.1]
MSME portfolio (Rp billion)
129,801
116,038
102,316
2022 2023 2024
BCA has demonstrated its commitment to the MSME sector by disbursing Rp129.8 trillion in financing,
equivalent to 14.1% of total financing in 2024. Through People’s Business Credit (KUR), which is part of financing
for the MSME sector, BCA aims to support the government in boosting the competitiveness of micro and small
enterprises, promoting economic growth, increasing employment, strengthening their capital capabilities,
and implementing policies to accelerate development of the real sector.
KUR Disbursements [FS6, FS7][FN-CB-240a.1, FN-CB-240a.2]
Disbursed Loans
Type of KUR Number of Debtors Composition (%)
(Rp billion)
Micro 290 24.3 3
Retail 2,329 759.3 97
Total 2,619 783.6 100
Note:
By the end of 2024, BCA recorded arrears from KUR loans of Rp15.3 billion, with a total arrears ratio of 1.4%. [FN-CB-240a.2]
In 2024, KUR disbursement was recorded at Rp783.6 billion, a 31% increase compared to the previous year
total disbursement of Rp598.8 billion. Through this initiative, BCA has funded numerous small businesses
focusing on handicrafts, processed agricultural products, animal husbandry, and nurseries, among other things.
[FS6, FS7][FN-CB-240a.1]
KUR disbursements are conducted directly through BCA Branch Offices and a channeling scheme to expand
financing access. In KUR disbursement, BCA applies loan procedures that include social and environmental
screening. BCA also offers assistance and training on business development and management of ESG aspects
for small businesses that do not meet the loan requirements. After becoming an assisted partner and fulfilling
the loan’s criteria, both financial and non-financial, BCA provides financial access to support the business
growth. [FS5]
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Women MSME Entrepreneurs [FS5]
BCA has been supporting women-led businesses through special financing products, such as the
Multipurpose Business Loan (KMU) Kartini program with interest rates starting at 3.21%. The initiative
aims to support gender equality and women empowerment. In 2024, BCA recorded 47,856 female
debtors, an increase of 7.6%, with total loans reaching Rp17.2 trillion, increase by 16.4% from the
previous year. The Bank also provides training and mentoring for women entrepreneurs as part of its
commitment to social and environmental governance.
Promoting MSMEs to Be More Recognized [FS5]
As one of the national economic pillars, the Indonesian government encourages the disbursement of
credit to the MSME sector to increase opportunities for business development and expansion. BCA
encourages MSME debtors to be more well known and continuously growing in terms of business and
capacity, through Bangga Lokal Program and UMKM Fest that is held consistently by BCA every year. In
2024, more than 50 MSMEs were chosen to showcase their products through the UMKM Fest that was
held in Kota Kasablanka and more than 1,500 MSMEs tenants participated online through the umkmfest.
bca.co.id.
Positive and Negative Impacts of Sustainable finance Implementation
The implementation of sustainable finance aims to realize a low-carbon economy and support the achievement
of the SDGs. However, the readiness of stakeholders and all parties involved is key to its implementation.
Accordingly, BCA continues to apply sustainable finance principles in its operations, noting the positive
impacts that need to be maximized and the negative impacts that need to be managed, both in terms of
stakeholder awareness, management of environmental and social aspects, and challenges in implementing
green taxonomy and climate risk mapping.
Positive Impact
• Increased sustainable finance knowledge for stakeholders.
• Higher awareness of environmentally and socially friendly practices by debtors.
• Empowerment of marginalized groups, women, and people with disabilities to reduce inequality and
improve the economy.
• Contribution to the achievement of SDGs.
• Improved governance, procedures, and policies to manage ESG aspects.
• Encouraged the development of new banking products and services.
Negative Impact
• Unequal understanding and knowledge of sustainable finance.
• Incomprehensive mapping of debtors' environmental and social risks.
• Difficulties in keeping up with any changes and developments in sustainable finance, such as in the
implementation of climate scenario analysis, Taxonomy for Indonesian Sustainable finance (TKBI), and
achievement of Net Zero Emission (NZE) targets, which potentially encourage unprepared parties to
distort information and/or conduct greenwashing actions that would affect the credibility of a company's
sustainable financial performance.
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ESG Risks and Opportunities
Management and Its Effects to
the Financial Performances [201-2]
Sustainability remains a key focus in the national conducted by BCA in 2023 and 2024, covering 50%
and corporate agenda, driven by the urgency to of the company’s productive financing portfolio.
take action on climate change and support the
energy transition. BCA recognizes the importance 1. Governance
of balancing economic growth with inclusive and Board of Directors and all management are
sustainable development. Therefore, BCA continues committed to monitoring and managing the impact
to develop and manage financing activities that of risks, including climate risks. This commitment
support sustainability activities, ensuring that is manifested through the integration of ESG
economic growth does not negatively affect social and sustainable finance aspects into the Key
and environmental interests. Performance Indicators (KPIs), as well as through
clear mapping of roles and responsibilities
In 2024, BCA supported Indonesia’s Net Zero Emission across the organization to ensure climate risk
(NZE) roadmap target through a climate strategy management is conducted in an integrated and
focusing on decarbonization and climate resilience. transparent manner. Climate change initiatives
BCA has integrated climate risk management into its and actions are under the responsibility of the
operations and collaborated with stakeholders from Finance and Corporate Planning Director, who
across industries. BCA ensures the alignment of its are responsible in ensuring the integration of
policies with sustainable finance practices, including climate related risks and opportunities into the
climate risk assessment and adoption of green company’s business strategy, and to be reported
initiatives to support climate change mitigation and regularly. In its implementation, the ESG Group
sustainable business practices. works closely with various working units in
analyzing, assessing, and reporting on climate
Implementation of CRMS and TCFD change risks and opportunities.
Framework [FN-CB-550a.2]
The adoption of the Task Force on Climate related 2. Strategy
Financial Disclosure (TCFD) is a strategic move for BCA integrates the potential impact of climate
BCA to integrate climate change related aspects into change risk into its business strategy to maintain
its management of financial risks and opportunities. the long-term sustainability of its operations and
In 2024, we developed Climate Risk Management & loan portfolio. The Bank conducts risk mitigation
Scenario Analysis (CRMS), an enhancement of the measures through assessing debtors’ greenhouse
Climate Risk Stress Testing (CRST) conducted by gas (GHG) emissions. BCA’s Board of Directors
OJK in 2023, in alignment with the TCFD framework, leads the management of climate change-
designed to help organizations identify, measure, related physical and transition risks, ensuring that
and disclose the impact of climate change on their sustainability strategies and achievements are
financial performance. The objective of CRMS is discussed in board meetings at least four times
to enable banks to develop a broader and more a year and reported transparently through the
effective risk management framework by integrating Annual Report, Sustainability Report, as well as
climate-related risks and their interconnections forums such as analyst meetings, public expose,
with other risk types. The implementation of this and GMS.
management and analysis aligns with the initial phase
of the Bottom-Up Climate Risk Stress Testing (CRST)
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To manage climate risk, BCA has developed an account changes in market prices, liquidity risk,
internal Climate Change Strategy Roadmap to investment costs, and potential asset damage.
support the national’s NZE targets. The strategy Physical risks also include the impact on insurance
includes an transition plan to mitigate impacts on and operational disruptions.
priority sectors, while ensuring alignment with
the company’s business and financial strategies. 4. Metric and Target
These efforts are made consistently to support BCA has identified six priority industry sectors
sustainable finance and build sustainability (based on OJK’s guideline) with the highest GHG
culture within the organization. emissions intensity as the focus of CRMS/CRST
implementation. The priority sectors include:
3. Risk Management 1. Mining and Quarrying Sector;
BCA has identified and evaluated climate change 2. Electricity, Gas, Steam/Hot Water, and Cold
risks through the implementation of CRMS/CRST Air Supply Sector;
for physical and transition risks. Physical risks 3. Construction Sector;
include the direct impact of natural disasters 4. Transportation and Warehousing Sector;
such as floods or droughts on the loan portfolio 5. Agriculture, Forestry and Fisheries Sector;
and assets, while transition risks associated 6. Processing Industry Sector (priority sub-
with changes in policy, technology, and market sectors include metal, paper, chemical, and
preferences towards a low-carbon economy. textile industries).
In conducting the stress testing of climate change To support the transition to a low-carbon
risk impact on credit risk, as regulated by OJK, BCA economy, OJK requires banks to conduct CRMS/
used the actual database as of December 2023. CRST in 2024 on their credit exposure to certain
Stress test scenarios are conducted with baseline priority sectors, envisioned to reach at least 50%
years of 2024, 2025, and 2026, in accordance of the bank’s total loan portfolio. In addition, the
with the Bank’s Business Plan (RBB). The stress consumer credit sector secured by property is
test scenarios use the Network for Greening required to be taken into account in the stress
the Financial System (NGFS) methodology with test simulation. Furthermore, by 2025, banks
the internal linear regression-based model built are expected to have performed stress tests on
with various inputs of internal bank historical 100% of the loan portfolio with the same criteria.
data from 2001-2023, NZE parameters, and
macroeconomic data provided by OJK. BCA, as one of the major financial institutions, has
conducted an in-depth analysis of GHG emissions
Meanwhile, the assessment of physical risk is in its loan portfolio, which shows a significant
conducted against the changes in collateral concentration of GHG emissions in certain
value in areas prone to flooding and forest fires/ priority sector. BCA maintains its commitment by
drought using OJK’s Indonesia Disaster Risk Index actively collecting and updating data on climate
(IRBI) data. Transition risk is evaluated through the change transition risks, including climate scenario
possibility of stringent policies on climate change analysis on industry sectors that are vulnerable
that may affect the cash flow and credit quality to climate change policies, new technologies,
of debtors. The impact on market, liquidity, and market changes, and reputational risks.
operational risks is also analyzed, taking into
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Summary of Climate Change Risk Identification and Impact Analysis Results on BCA Assets
Type of Risk Driver Impact on BCA Time Horizon
Loan Physical and • NPL credit quality maintained < 5% Short, medium,
Transition Risks • CAR remained ample > 20% and long term
Market Physical and • Affecting unrealized profit/loss
Transition Risks • Changes in the Fair Value Through Profit or Loss (FVTPL)
portfolio, risk weight for credit spread risk calculations, and
default risk charges.
Liquidity Transition risk • Decrease in High Quality Liquid Asset (HQLA)
• Increase in Net Charge-off Rate (NCO)
Physical risk • High Quality Liquid Asset (HQLA) at a steady level
• Increase in Net Charge-off Rate (NCO)
Operational Transition risk Potential increase in investment costs on:
• Infrastructure and buildings
• IT infrastructure development
• CSR activities
• ESG-oriented capacity building
Physical risk • Potential costs for damage/impairment of assets and human
capital
• Implications for disruption/interruption of bank operational
activities/services
BCA has identified and analyzed various potential impacts of climate change risks to banking operations and
businesses, along with understanding the importance of aligning its strategy to deal with the possible risks.
Through our analysis, operational risk became one of the most relevant risks for BCA as transitional climate
risk will influence the technological aspect of the company. This risk can potentially increase the required
investment cost for IT infrastructure with investment in sustainable IT infrastructure to increase operational
efficiency and support the implementation of ESG strategies. Proactive measures are needed to strengthen
the company’s technological capacity, ensuring the sustainability of its operations and maintaining the
institution’s reputation amidst the transition risk’s challenges.
BCA’s commitment to continuously improving data quality is carried out to ensure a more adaptive response
to the dynamics of climate risks. This approach is not only focused on reducing potential financial losses, but
also supporting low-carbon development and the achievement of SDGs at the national and global levels.
These strategic actions demonstrate BCA’s continued efforts to manage climate risk in an integrated manner,
from both financial and non-financial perspectives.
Climate-related Financial Risk Management [201-2]
BCA strives to enhance its capacity in identifying, measuring, monitoring, and continuously managing risks
to mitigate the negative impacts of climate change while seizing opportunities to drive positive change in
climate mitigation and adaptation. We remain accountable for the implementation of risk management and
progressing to further strengthen climate risk management in relation to the assessment and management of
risks that directly or indirectly affect our portfolio.
BCA has formulated a climate strategy as guidelines for decarbonization and climate resilience to support
the Indonesian government’s commitment to reduce carbon emissions and achieve Net Zero Emission (NZE)
by 2060. The Board of Directors and Commissioners are involved in the approval and monitoring of the
implementation of the strategy. Each action related to climate-related risk management and sustainability is
reported quarterly to ensure consistent progress.
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ESG Risk Management in Financing Activities [2-23, FS1, FS2, FS3][FN-CB-410a.2]
BCA manages ESG risk in its financing activities by ensuring that each debtor meets certain requirements,
both in terms of documents and relevant criteria to the credit product. The assessment includes governance
aspects, such as the legality of business licenses and management structures, as well as social aspects such
as ensuring the absence of child labor or forced labor practices. In 2024, BCA issued an Environment Social
Risk Management (ESRM) guideline document for the BCA Business Team to further enhance their knowledge
regarding ESG risks in financing, especially on corporate debtors. BCA also uses Environmental & Social Risk
Assessment (ESRA) to assess social and environmental risks in the Corporate segments.
The credit approval process at BCA involves an escalation mechanism that engages multiple work units, credit
committees, and the Board of Directors for in-depth analysis. The results of these assessments are one of
considerations in the credit approval process, particularly for large debtors or specific industries. Since 2022,
BCA has classified debtors based on their support for environmental protection and climate change mitigation in
compliance with the Indonesian Green Taxonomy (THI) and the Taxonomy of Sustainable finance (TKBI).
Through the Risk Management Division (MRK), BCA identifies, measures, monitors, controls and reports risks,
including ESG and climate change related risks to the Board of Commissioners and Board of Directors.
ESG Risk Management (ESRM) Integration in Financing Activities
Implementer Duties of Officers in Mitigating Economic Aspects and ESG
• Conducting due diligence on prospective debtors through Know Your Customer and paying attention to the
AML-CFT and CPF principles.
• Providing loans only to individuals and companies that have a healthy business, trustworthy governance, the
ability to repay their loans, and are not in the exclusion list.
Marketing • Determining one of the sustainable business activities categories to debtor with sustainable financing
classification (for SME and small commercial segments).
• Analyzing debtor/prospective debtor proposals (corporate and large commercial), related to environmental,
social and governance (ESG) risks that can affect credit quality.
• Determining the relevant Sustainable Business Activity Categories (KKUB) for debtors (corporate and large
Credit commercial) with sustainable financing classification.
• Developing and implementing a credit risk control methodology in the lending process.
Analyst • Ensuring that the lending process is in accordance with the applicable credit provisions.
• Take into account the efforts made by the debtor to preserve the environment through the Environmental
Impact Analysis (AMDAL) document submitted by the debtor and the results of the Corporate Performance
Rating Program in Environmental Management (PROPER) assessment issued by the Ministry of Environment, if
any.
Compliance
Unit Ensuring the company’s compliance with the applicable banking laws and regulations including loan restructuring.
Decision Responsible for making loan decisions, considering both business development and the credit risk analysis
Maker aspects.
Branch Monitoring the business, portfolio, loan quality, and profitability of customers and establish anticipatory actions
when needed.
Oversight Monitoring and detecting potential non-performing loans at early stages and takes action to avoid losses.
Supervision is carried out by the Business Units directly relate to Debtors, Credit Analyst, Risk Management
Division, and Internal Audit Division.
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BCA applies a prudential lending approach in the credit approval process, as stipulated in the Bank’s Credit
Terms Manual. ESG risk mitigation efforts refer to several essential guidelines, such as the ESG Integration
Implementation Guidelines for Banks issued by OJK in 2015, as well as internal policies such as BCA’s Basic Bank
Credit Policy (KDPB). In addition, BCA also considers the provisions of Law No. 32 of 2009 on Environmental
Protection and Management to ensure effective ESG risk management in financing activities.
The Bank’s mitigation of ESG risk is carried out through the following efforts:
Environment
• Observe the debtors’ efforts in preserving the environment through Environmental Impact Analysis
(AMDAL) documents, Environmental Management Efforts and Environmental Monitoring Efforts (UKL-
UPL), the results of the assessment of the Company Performance Rating Program in Environmental
Management (PROPER) issued by the Ministry of Environment.
• Require submission of AMDAL documents for large-scale and/or high-risk debtors.
• Request follow-up information from debtors if PROPER assessment results do not meet environmental
requirements and monitor subsequent PROPER results.
• Monitor commitments and risk mitigation plans for debtors with significant risks of climate change,
forest destruction, and biodiversity, through progress reports submitted periodically.
Social
• Implement employment policies, at least have a Company Regulation and/or Collective Labor
Agreement (CLA).
• No child labor.
• No forced labor.
Governance
• Implement the Three Lines model in the internal control and risk management system, involving all lines
of the organization.
• Regularly monitor all credit quality.
• Implement a debtor risk rating system or Internal Credit Risk Rating/Scoring consisting of eleven risk
rating categories ranging from RR1 to RR10, and the worst (loss).
Climate-related Risk Analysis on Financing Activities [201-2]
BCA has anticipated the impact of climate change by conducting stress tests on physical and transition risks.
Physical risks include the direct impact of extreme events such as floods, droughts and forest fires on the
bank’s assets and portfolio. Meanwhile, transition risk involves changes in regulatory policies, technology
and market preferences required to transition to a low carbon economy, in line with OJK’s requirement to
strengthen the banking sector’s resilience to potential climate change shocks.
We have mapped our loan portfolio and physical assets that are exposed to physical risk, focusing on sectors
such as property and plantations, and considering geography and climate factors. Meanwhile, the Bank has
conducted scenario analysis on policies such as carbon tax and emission regulation for transition risk. The stress
test results indicate that the Bank has insignificant (immaterial) risk exposure to the priority sectors determined
by the regulator based on high GHG emission intensity, such as in the mining sector, electricity procurement,
and other energy-intensive industries. The impact of climate change risk on the Bank’s credit, market, liquidity,
and operational risks is within the Bank’s risk tolerance and meets the regulatory requirements related to the
Bank’s soundness. Nevertheless, we remain committed to continue developing and paying special attention
to the mitigation of climate change impacts on the Bank’s assets and portfolios, among others:
• Data quality improvement
• Risk governance enhancement
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• Integration of climate-related risks into decision- As a concrete action, BCA encourages debtors
making processes that have met the primary credit requirement to
• Development of sustainable products and achieve the general ESG standards and improve
services their performance through a structured action plans
with a clear time frame. The working units relating
As a financial institution, BCA’s main source of GHG to credit disbursement and management are closely
emissions comes from the investment/financing, monitoring the execution of this plan through
included in Scope 3. Understanding and managing periodic checks, at least once a year, during the loan
financed emissions is a crucial step in supporting facility renewal or evaluation process.
the climate transition actions. Therefore, we identify
sectors with high carbon emissions, their associated In addition, BCA also participates in climate
assets, and the debtors involved, to establish climate change actions with industry stakeholders and
targets and design effective decarbonization plans. policymakers. The company participates in the
government's agenda through a pilot project on
We continuously follow trends in sustainable finance Climate Risk Management and Scenario Analysis
and recognize that standards, market practices, and (CRMS), implementation of the Taxonomy for
data availability will continue to evolve. To calculate Indonesian Sustainable finance (TKBI), as well as
financed emissions, we have undertaken several various polls and dissemination. BCA collaborated
initiatives, including: with OJK and became one of seven banks to sign a
• Developing calculation approaches, metrics, data commitment to support the achievement of Net Zero
requirements, assumptions, and basic principles Emission (NZE) by 2060. As part of this commitment,
for recalculation and deviation with reference to OJK launched the CRMS guidelines for the financial
the Partnership for Carbon Accounting Financials sector to navigate towards net zero emissions,
(PCAF). which aligns with BCA's vision of supporting policies
• Developing system-based data collection and and frameworks that accelerate climate change
measurement tools for all PCAF asset classes mitigation in Indonesia.
relevant to BCA’s portfolio, including: Listed
Equity and Corporate Bonds, Business Loans BCA's working units relating to credit disbursement
and Unlisted Equity, Commercial Real Estate, and management are required to check
Mortgages, Motor Vehicle Loans, and Sovereign environmental documents, which are mandatory for
Debts. debtors. They also consider broader environmental
management achievements beyond the standard
requirements. Certificates to be considered for
Policy and Oversight various industry sectors include:
[2-23, FS1, FS2, FS3, FS10, FS11][FN-CB-410a.2] • PROPER for industries that are required by the
Ministry of Environment (MoE).
BCA recognizes the importance of complying with • ISPO and/or RSPO for palm oil companies.
environmental regulations and standards as part of • FSC and PEFC for timber processing or forest
its corporate social responsibility and sustainability management companies.
commitments. Therefore, BCA is committed to • International Sustainability and Carbon
managing the environmental impact of its business Certification for renewable energy products such
activities and seeks to minimize the negative impact. as biofuels and bioenergy.
The Bank has issued several policies, including an • UTZ Certification for coffee and cocoa products.
environmental policy, a responsible financing policy, • Green Building Certification from GBCI for
and a financing policy for sectors with high potential environmentally friendly buildings.
ESG risks. These sectors include palm oil plantations,
coal mining, toll road construction, timber and forest The inspection and consideration of these
products industries, as well as cement and basic certifications is important to ensure debtors meet
steel industries. sustainability standards and better environmental
management.
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Environmental Credit Policy
Sector Criteria
• Hold complete documents for Industries that utilize and manage wood sources, legality of
wood sources, business activities, as well as environmental and social permit documents in
accordance with applicable laws and regulations.
• Comply with laws, government regulations, and government policies applicable to the
(prospective) debtor, especially those related to occupational health and safety, manpower,
the environment, and social responsibility.
• Have clear policies and management systems related to environmental management.
Agriculture
• Hold certificates related to environmental aspects, as well as occupational health and safety
aspects.
• Prevent and not conducting illegal logging in its business processes, as well as implementing
prevention and control of forest and land fires.
• Manage and improve environmental conditions from industrial activities, either through land
rehabilitation, implementation of sustainable forest management practices, or other efforts.
• Use raw materials from certified sustainable forests.
• Making efforts to reduce the impact of environmental, water, air, and soil pollution by adopting
the best management techniques in managing air emissions, water, solid waste, hazardous
materials, and effluent.
• Respect human rights, the rights of surrounding and/or indigenous communities and ensure all
land used for activities is free from conflict and minimize other social risks in the company’s
operating areas.
• Conduct empowerment and development programs for surrounding communities to improve
their quality of life.
• Implement FPIC (Free, Prior, and Informed Consent) with surrounding and/or indigenous
communities before conducting operational activities.
• Requires no clearance by burning.
• Hold complete documents related to readiness criteria, legal documents for land used for
business, and relevant environmental and social permit documents, such as Principle License,
Location Permit, Plantation Business Permit (IUP), Environmental Impact Analysis (AMDAL)
permit or Environmental Management and Monitoring Efforts (UPL-UKL) in accordance with
applicable laws and regulations.
• Comply with laws and regulations, government regulations, and government policies
applicable to (prospective) debtors, especially those related to human rights, manpower, the
environment, and social responsibility.
Biodiversity
• Complete the process of obtaining land certificates (Cultivation Right/Right to Build) for
uncertified land.
• Obtain certification (ISPO/RSPO/other similar certifications) in accordance with applicable
regulations.
• Adopt the principles of No-Deforestation, No-Peat, No-Exploitation (NDPE) and Free, Prior,
and Informed Consent (FPIC).
• Take into account high conservation value (HCV) and high carbon stock (HCS) in new planting
activities.
• Have a Standard Operating Procedure (SPO) for Land Fire Prevention and Handling.
• Implement best practices in peatland and water management, circular economy, low carbon
energy use, climate change adaptation and mitigation efforts.
• Establish good relationships and improve the quality of life of local communities, including
through effective and efficient social and economic empowerment.
• Hold the required documents according to the industry, based on applicable laws.
• Comply with laws and regulations, government regulations, and government policies
applicable to the (prospective) debtor, especially those related to occupational health and
safety, labor, the environment, and social responsibility.
• Have clear policies and management systems related to environmental management.
• Hold certifications related to environmental aspects, as well as occupational health and
safety aspects.
• Have clear and transparent grievance channels and processes related to ESG aspects.
Mining
• Conducting empowerment programs and mentoring for surrounding communities to improve
their quality of life.
• Make efforts to reduce the impact of environmental, water, air, and land pollution in
accordance with applicable laws and regulations.
• Manage and improve environmental conditions from the impact of the company’s business
activities, including through biodiversity conservation or land rehabilitation and other efforts.
• Implement utilization and management practices by minimizing the risk of occupational
health and safety aspects, minimizing and controlling the impact of environmental damage
and respecting and protecting the rights of surrounding and/or indigenous communities and
employees.
Note:
Complete information on BCA's policy on ESG and sustainability can be accessed at
https://www.bca.co.id/en/tentang-bca/Keberlanjutan/kebijakan-dan-standar
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Exclusion List [FN-CB-550a.2]
As part of the ESG policy for financing activities, an exclusion list was established to restrict lending towards
the following business activities:
01 Illegal logging, production and trade of timber or other forestry products
from unsustainable forests.
02 Activities involving any form of forced labor or child exploitation or
human rights violations.
Production, trade, shipping and import of weapons outside of official
03 business entities/institutions that receive special permits/ specific legality
from the government.
Production, trade of narcotics, psychotropic substances, and addictive
04 substances outside of official business entities/institutions that receive a
special permit/legality from the government.
05 Activities that negatively impact UNESCO World Heritage Sites or national
and/or international protected areas.
06 Activities that violate the rights of local communities, such as taking over
land ownership from indigenous people without their consent.
07 Poaching and trade in wildlife or wildlife products (ivory, horns, shark fins,
etc.).
08 Gambling and money laundering related activities.
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Climate and Environment
BCA's efforts to build climate resilience through implementing environmentally friendly operations are carried
out by involving all employees as agents of change, with the aim of reducing the carbon footprint of banking
operations and business activities. This commitment is reinforced by BCA's internal Environmental Policy, which
is authenticated in Board of Directors Decree No. 179/SK/DIR/2021. Environmental conservation efforts are not
only implemented within BCA, but also in cooperation with all stakeholders in the company's value chain.
The culture of sustainability has become a shared responsibility
of all BCA employees. The spirit of #BCAforSustainability
promoted continuously to collectively protect the earth and
mitigate climate risks for future generations. We continue
to focus on digital banking operations, waste management
& recycle, green building & energy efficiency, and nature
conservation initiatives to realize environmentally friendly
banking operations.
Managing Carbon Footprint
Controlling GHG Emissions [305-1,305-2, 305-3]
BCA consistently collects, enhances, and monitors the Company’s emissions data to maintain reporting quality
and the measurement of the Bank’s GHG emission reductions actions. In an effort to improve the Bank’s GHG
emissions calculations, readers will find new and/or restated data. BCA measures and manages Scope 1, 2,
and 3 emission from both its operation and financing. Total operational emissions in 2024 were 349.7 thousand
tCO2eq, while financed emissions in 2023 were 28.9 million tCO2eq.
The calculation of GHG emissions from banking operations is based on nationally and globally recognized
methodologies, in line with the Greenhouse Gas Protocol (GHG Protocol) and Kalkulator Hijau Indonesia
(Indonesia's Green Calculator) that was published by Bank Indonesia. Detailed operational emissions
accounting methodology is as followed:
• Stationary and Mobile: Calculated based on fuel purchases and usage with
reference to emission factors from Bank Indonesia's Green Calculator and
Emissions Scope 1
supplemented by DEFRA 2023.
• Fugitive: Calculated through estimation of fugitive freon leakage, referring
to the Intergovernmental Panel on Climate Change (IPCC) Guidelines AR5.
• Based on BCA's electricity consumption calculated in accordance with
Emissions Scope 2 Ministry of Energy and Mineral Resources regulations, referring to emission
factors from Bank Indonesia's Green Calculator.
• The calculation uses different methods depending on the category and
Emissions Scope 3 type of data. Emission factors used are from Bank Indonesia's Green
Calculator, DEFRA 2023, US EPA Supply Chain v1.2, and MEMR 2019.
Notes:
GHG emissions measurement aligned with each emission factors, including such as CO2, CH4, N2O, SF6, HFCs, PFCs, NF3.
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BCA Operational GHG Emission Inventory [305-1,305-2, 305-3]
GHG Emission (tCO2eq) 2024 a) 2023 b) 2022 c)
Scope 1
Stationary combustion 778.7 769.9 416.0
Mobile combustion 10.8 7.0 -
Fugitive emissions 3,861.1 4,060.1 390.0
TOTAL 4,650.6 4,837.0 806.0
Scope 2
Electricity purchased 139,855.6 136,481.3 137,019.0
Scope 3
Category 1. Purchased goods and services 79,367.6 58,932.1 -
Category 2. Capital goods 56,881.3 31,455.4 -
Category 3. Fuel- and energy-related activities not included in
20,853.9 20,396.3 411.0
scope 1 or scope 2
Category 5. Waste generated in operations 2,325.3 2,336.8 4,547.0
Category 6. Business travel 10,704.9 12,396.4 -
Category 8. Upstream leased assets 34,306.1 42,586.2 -
Category 12. End-of-life treatment of sold products 795.5 668.0 -
TOTAL 205,234.6 168,771.2 4,958.0
Total GHG Emissions (Scope 1 + 2 + 3) 349,740.8 310,089.5 142,783.0
Note:
a) Calculations were made by extrapolating data from January to October 2024 for 100% of BCA's Head Office, Data Center, and
Branch Offices.
b) 2023 operation emissions were restated due to updated calculation's methodology and emission factors, in accordance to the Bank
Indonesia's Green Calculator.
c) 2022 data covered Head Office, Data Center, 120 KCU, and 730 KCP.
GHG Emission Intensity for Scope 1 and 2 [305-4]
Description 2024 2023 2022
Emission scope 1 + 2 (tCO2eq) 144,506.2 141,318.3 137.825,0
Emission intensity (tCO2eq/billion Rupiah operating income) 1.3 1.4 1.6
Emission intensity YoY (%) 7.0 11.1 23.0
The financed emission inventory is measured in accordance with the Climate Risk Management & Scenario
Analysis (CRMS) guidelines that is published by OJK, including 6 priority sectors based on Anatasena sector
category, covering more than 50% of the Company's outstanding productive loans in 2023 and the majority
of the Company's total absolute financed emissions. [FN-CB-410b.3]
The calculation methodology used aligns with the data quality tier provided by OJK as follows:
Tier 1 Tier 2 Tier 3 Tier 4
Based on measured Based on the publicly Based on estimated Based on estimated
emissions reported available debtors' emission emissions accounting, emission accounting,
directly by the debtors. data (Annual Report, through supporting data utilizing other data sources
Sustainability Report, etc.) given by the debtors (emission factor per sales
(energy consumption, total revenue from similar
production, etc.) companies, etc.)
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In accordance with this tiering system and BCA's data availability, we used Tier 2 and Tier 4 in conducting the
bank's financed emissions inventory. In measuring Tier 4 data, the methodology published by the Partnership
for Carbon Accounting Financial (PCAF) is utilized as a reference to ensure the consistency and cohesion of the
measurement with international standards. [FN-CB-410b.4]
BCA Financed GHG Emission Inventory [305-1,305-2, 305-3]
2023
GHG Emission Emission Intensity
Absolute Emission
(tCO2eq/million
(million tCO2eq)
Rupiah)
Mining and Quarrying 1.7 0.11
Processing Industry 23.3 0.13
Electricity, Gas, Steam/Hot and Cold Air Procurement 0.4 0.03
Agriculture, Forestry, and Fisheries 2.1 0.06
Transportation and Warehousing 0.8 0.03
Construction 0.6 0.02
TOTAL 28.9 -
Note:
• Calculations were based on 2023 data subject to data availability.
• Emission intensity was calculated based on the outstanding of each financing sector, in accordance with the Partnership for Carbon
Accounting Financials (PCAF) methodology.
Transition to Environment-Friendly Operations
Continuous GHG emissions inventory enhancement served as the basis of the Company’s transition efforts
towards environmentally friendly operations, aligned with our commitment to implement sustainable
principles in various business and operation activities.
Optimizing Digital Technology
BCA continues to enhance its digital capabilities to support the acceleration of digital banking that grows
rapidly every year. A total of 99.8% of customer transactions have been conducted through digital channels.
Online channels continue to be enriched with features that safely and conveniently meet the needs of
customers and the ecosystem, such as pocket valas, BCA paylater, myBCA worldwide access, etc. Reliable
digitalization of banking transactions drives growth in the number of customers to 33.1 million (increased by
8% YoY) with the number of transactions reaching 98.4 million/day (increased by 21% YoY).
The accelerated digital banking has also been supported by the implementation of digital workplace. BCA
optimizes digital technology through the integration of various digital features in the company's internal
operational activities. This initiative includes the implementation of a digital approval mechanism, work from
hub, IT Hub, and shared desk to create work flexibility. Digital workplace reduces paper usage and supports
resource efficiency. BCA also synergizes with subsidiaries through shared services to improve its quality
of service and create more effective collaboration between units. BCA's efforts have not only improved
productivity, but also strengthened the digital ecosystem to support the company's transformation. These
efforts potentially reduce 2,272 tCO2eq GHG emissions in 2024.
Responsible Energy Usages
In 2024, although there is an increase in the total electricity consumption compared to the previous year,
the intensity of electricity consumption per space area has decreased to 139 kWh/m2 per year, which is
classified as “Efficient” based on the SNI 03-6196-2000 standard on Energy Consumption Intensity of
Indonesian Buildings. Numerous energy efficiency and savings efforts have been implemented as part of
our commitment to achieving and maintaining energy consumption efficiency as we continue to expand our
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banking operations and businesses. In 2024, we carried out energy saving efforts through various programs
such as the participation of 946 head office and branch buildings in the Earth Hour initiative, installation and
utilization of solar panels, and the optimization of cooling containment in all BCA Data Center.
Energy Intensity of Electricity based on Building Area [302-1, 302-3]
Description 2024 2023 2022
Total electricity consumption (kWh) 177,032,383 172,492,313 156,040,072
Building area (m )
2
1,269,905 1,122,130 1,121,385
Intensity of Energy Use (kWh/ m ) 2
139 154 139
Note:
The 2024 electricity consumption was calculated by extrapolating data from January to October 2024.
Energy Intensity of Electricity based on Number of Employees [302-1, 302-3]
Description 2024 2023 a) 2022
Total electricity consumption (kWh) b) 177,032,383 172,492,313 156,040,072
Number of employees 26,532 26,915 19,413
Intensity of energy use (kWh/employee) 6,672 6,409 8,038
Note:
a) 2023 intensity of energy use was restated due to the adjusted number of employees.
b) The 2024 electricity consumption was calculated by extrapolating data from January to October 2024.
Energy Intensity of Electricity based on Number of Transactions [302-1, 302-3]
Description 2024 2023 2022
Total electricity consumption (kWh) 177,032,383 172,492,313 156,040,072
Number of transactions (million) 36,016 29,888 23,877
Intensity of Energy Use (kWh/number of transactions) 0.005 0.006 0.007
Note:
The 2024 electricity consumption was calculated by extrapolating data from January to October 2024.
Fuel Consumption for Operational Purposes [302-1]
Description 2024
Fuel consumption (liter gasoline) 873,629.6
Fuel consumption (liter solar) 451,618.1
Total fuel consumption (liter) 1,325,247.7
Notes:
The 2024 fuel consumption was calculated by extrapolating data from January to October 2024.
Solar Panels in BCA
27 881.1 kWp 507.7 kWh 401.1 ton CO2eq
Buildings have solar Total peak capacity Renewable energy Potential emission
panel installed of all solar panels at utilization in 2024 * reduction from
BCA renewable energy
utilization
Notes:
*) The electricity consumption was calculated by extrapolating data from January to October 2024.
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Responsible Water Usage [303-1, 303-2]
Our clean water supply for the office operations is from Local Water Supply Utility (PDAM) and local water
companies. In maintaining water availability, BCA ensures the efficient use of water by maintaining water
installations, using water-saving faucets, eco-washers, installing rain harvest tanks, and conducting water
saving campaigns.
BCA also implements water conservation by installing Wastewater Treatment Plants (WWTPs) in several self-
managed buildings. The treated water is used for non-hygienic needs, such as plant watering and toilet flushing.
The domestic wastewater produced meets quality standards and does not contain harmful compounds, which
has no negative impact on the environment. During 2024, there were no incidents of spills and/or leaks of
wastewater, chemicals, or hazardous liquid waste in the BCA office area.
Total Water Usage (m3)
492,516 403,748 302,646
2024 a) 2023 b) 2022 c)
a)
Water consumption data was extrapolated from January to October 2024 and 64% of BCA's office buildings.
b)
2023 water usage data covers BCA Head Office and 122 Branch Offices
c)
2022 water usage data covers the Head Office building and 100 Branch Offices
Green Building
Our contribution to mitigating climate risks has also been realized through the construction of environmentally
friendly buildings. We have 78 office buildings with a green building concept by 2024. The green building has
utilized environmentally friendly features, such as:
• LED lights that are installed to reduce electricity consumption.
• Operational schedule settings for air conditioners, lights, elevators, computers, and other electronic devices.
• Environmentally friendly R22 type air conditioners are installed.
• Utilizing renewable energy by installing solar panels.
• Implementing waste recycling through collaboration with waste banks.
• Using water cooled chillers with high efficiency.
• Installed portable tap water to reduce the use of bottled water.
• Availability of Public Electric Vehicle Charging Station (SPKLU).
• Sewage treatment plant (STP) and rain harvest tank.
• Preventive and corrective maintenance of electricity, water, and refrigerant consumption.
Green Building at BCA
In 2024, BCA owned 2 buildings with green building certification featuring various
modern and environmentally friendly technologies such as water cooled chiller,
Building Automation System (BAS), double glass low-e, and potable tap water
facilities. These buildings are also equipped with variable voltage variable frequency
(VVVF) elevator systems, CO & CO2 sensors, natural lighting optimization, internal
stairs, open workspaces, and Public Electric Vehicle Charging Stations (SPKLU).
Wisma BCA Foresta
Certification for Green Mark Super Low Energy Building,
2024
Building and Construction Authority Singapore
Winner of Energy Efficient Building,
2023
ASEAN Energy Award
Winner of Energy Efficient Building,
2022
Subroto Award (Ministry of Energy & Mineral Resources)
Platinum Certification for Green Building,
2021
Green Building Council Indonesia (GBCI)
Wisma BSB Semarang
Platinum Certification for Green Building,
2024
Green Building Council Indonesia (GBCI)
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Managing Operation Waste [306-1,306-2, 306-3, 306-4]
BCA carries out various green operations to reduce the negative impact of its operations, including the
implementation of waste management initiatives that are consistently expanded to the Greater Jakarta
area and other regions. In addition to paying attention to the environmental impact of its business activities,
BCA also recognizes the potential social impact that waste management initiatives can bring through the
distribution of the economic value of waste management to the Bakti BCA Foundation to support and raise the
level of education for children of employees in need. In 2024, BCA's waste recycling actions in collaboration
with various MSME partners has brought about various positive impacts.
BCA Operational Waste Management Outcomes in 2024
956,995
Kg CO2
Rp 489.6
million
Emissions Avoidance Scholarship Assistance
Note:
Data on potential environmental and social impacts of waste management refers to some of the initiatives presented.
Type of Waste Total Recycled Output
Archived Document Waste 410.3 Ton Paper Pulp
ATM Cartridge Waste 60.3 Ton Plastic Beats, Iron Ore
EDC Machines and KeyBCA
Token Waste 37.0 Ton Plastic Beats, Iron Ore
Inorganic Waste 25.4 Ton Paper Pulp, Plastic Beats
Plastic Money Wrap 22.8 Ton Plastic Beats
Card and ID Card Waste 11.7 Ton Paving Blocks
Organic Waste 5.5 Ton Paper Pulp, Plastic Beats
Building Materials Waste 2.3 Ton Iron Ores, Iron Granules
Cable inventory (patch cords, patch panels, terminal adapters), and
Optimization of Asset Utilization
checking the life of assets to maximize their utilization.
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BCA is committed to continuously innovating and developing environmentally friendly initiatives that involve
stakeholders, especially employees and customers. These initiatives are aimed at promoting sustainable
lifestyles in the workplace and daily life.
Initiatives to raise awareness of Green Lifestyle among BCA customers and employees
Green Champion Program BCA calendar recycling BCA recycled envelops
12.9 Ton 4.8 Ton
household waste calender waste
A campaign that encourages Through our sustainable Achieve paper that has passed
BCA employees to collect, sort, operations initiatives, BCA its retention period is destroyed
and recycle their household invites all employees and into recycled envelopes, utilized
waste, including plastic, glass, customers to partake in the by employees and customers,
used cooking oil, cans, paper, annual calendars’ recycling and with the aim of supporting the
diapers, and others. re-purposing program. implementation of a circular
economy and sustainable
lifestyle.
BCA Sustainability Corner
As part of the BCA Learning Institute (BLI) Gallery, the BCA Sustainability Corner was built with the mission to
introduce BCA's sustainability journey, as well as to increase the awareness and capacity of BCA employees,
partners, customers, and stakeholders to play an active role in promoting ESG principles. Aside from sharing
BCA's green actions and implementation of circular economy, we also create art installations by utilizing BCA's
operational waste into valuable works of art. In collaboration with Indonesian artists and local partners, waste
materials are processed into art installations that not only enrich the sustainability value, but also inspire and
encourage stakeholders to contribute towards the preservation of the environment and collectively raising
awareness of the importance of sustainability.
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mer
Custo
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Exp gement
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Responsibility on Sustainable
finance Products and Services
Innovation and Development of Assessment of Financial
Sustainable finance Products Products and Services
and/or Services
All financial products and/or services to be launched
The development of innovations for sustainable finance must obtain approval from Bank Indonesia and OJK.
at BCA is currently managed by product specialists in BCA has the Transaction Banking Product Development
each credit business unit, to be specific the Corporate Division (DPD) and Operation Strategy & Development
Business Group, Commercial and SME Division, and Group (POL) which are responsible for managing and
Consumer Credit Business Division. These three developing BCA's financial products and services.
business units play an important role in creating and Each financial product and service to be launched has
developing sustainable finance products that not only undergone an evaluation process by the product owner
meet customer needs, but also support environmental through a risk assessment by the Risk Management
and social sustainability. With an integrated approach, Division (MRK), followed by a compliance test by
each unit seeks to provide financial solutions that are the Compliance Division (DCP), and supervision by
innovative, environmentally friendly, and provide added the Compliance Director. In addition, the Bank also
value, both for the company and the wider community. conducts user acceptance tests and certifications.
It is BCA's commitment to continue to drive sustainable
growth in line with the management of environment, In 2024, there were no financial products and/or
social, and good governance (ESG) principles. services that were recalled after being launched.
Fair Advertising Policy Impact of Sustainable finance
Implementation
We have a marketing communication and advertising
policy stipulated in Board of Directors Decree No. 156/ In implementing sustainable finance, BCA is aware
SK/DIR/2024 on Consumer Protection. This policy of the positive and negative impacts of sustainable
requires that honest information about products and finance products and/or services and their distribution
services, based on accurate data regarding benefits, process. We still face many challenges in implementing
costs, and risks. The Bank ensures that the information sustainable finance considering that not all members
provided is not misleading and avoids misinterpretation of society share the same understanding. Moreover,
between the customer and the Bank regarding the the readiness of each individual, including customers,
terms of the agreement. partners and Bank employees, remains a challenge,
as they need to receive continuous debriefing,
BCA ensures that all product and service information dissemination, and training. BCA seeks to reduce
is ethically presented, in accordance with generally negative impacts and increase positive impacts, as well
accepted code of conduct. In releasing advertisements, as prepare mitigations to deal with negative impacts
BCA carefully considers and protects the interests of that may arise.
customers and the public to minimize potential disputes
in the future. Marketing materials for banking products Some of the positive impacts of sustainable finance
and services through digital media comply with the include increasing awareness of environmentally
advertising code of ethics and applicable regulations. friendly business activities, empowering SMEs,
In 2024, there were no incidents of non-compliance expanding access to inclusive finance, and reducing
concerning marketing communications. gaps in financial literacy. Meanwhile, negative impacts
that need to be mitigated include the potential for
greenwashing information, which requires verification
by an independent party.
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Digitalization and
Smart Solutions
BCA's use of cutting-edge technology in digital and increasing financial inclusion. With these
banking helps customers easily and efficiently conveniences, BCA further solidifies its position as a
conduct their financial and non-financial transactions. bank focused on technology and sustainability.
Aside from increasing time efficiency, this innovation
also has a positive impact on the environment, such BCA offers comprehensive business banking
as reducing paper usage and carbon footprint from solutions through B2B2C and B2C approaches, which
the lower mobility of customers to branches. continue to evolve to meet the needs of corporate
and merchant customers. In the B2B2C approach,
In 2024, BCA continued its digital banking BCA offers an online business banking platform
development for customer convenience and that assists companies in managing payments,
efficiency. Some of the innovations include the fund collection, financing, and real-time financial
development of the myBCA service, which is now information. The platform offers features to ease the
equipped with new features such as Paylater, process of payments such as bulk payments, utility
Wealth Management, Pocket Valas and cross- and tax payments, foreign exchange transfers, and
border QRIS, providing a more complete and salary payments. On the receivables management
practical banking experience. BCA also upgraded aspect, BCA offers multi-channel solutions with
digital payment solutions such as OneKlik, Sakuku, virtual accounts, payment requests, and fund
and Virtual Account, and introduced more features collection automation. Business information can be
for e-channels such as KlikBCA, BCA Mobile, and managed in real-time with business dashboards,
MyBCA. BCA also provides Merchant Apps to support analytics, cash flow summaries, as well as portfolio
the digitization of business solutions. reports, and e-statements for a more convenient
way to make strategic decisions.
In the B2C segment, BCA expanded its payment
Frequency of Digital Transactions ecosystem by providing an extensive merchant
(million) point-of-sale (POS) network and merchant
35,927 applications to facilitate merchant acquisition and
services. With its extensive payment network, BCA
29,794 supports more than 40 million accounts for online
and offline payments using debit and credit cards,
QR codes, and contactless payments. This innovation
23,776 also includes BCA's merchant application, which has
accounted for around 65% of the new merchant
onboarding process and a 2.7 times increase in QR
code transaction frequency from the previous year.
2022 2023 2024 In addition to the convenience of transactions in the
B2C segment, BCA also keeps innovating to expand
and optimize B2B2C services to support dynamic
BCA also expanded digital services at branch business needs.
offices with ATMs, Digital CS, eService, reservation
system, and Video Banking, allowing customers to These innovations expand branchless distribution
conduct various transactions by themselves. These channels, provide easier access for customers,
innovations contribute to BCA's goal of simplifying as well as support financial inclusion and BCA's
access to finance, reducing the use of paper forms, commitment to sustainable and innovative services.
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Fair Services
Every BCA employee is responsible for providing solutions to customers with service excellence in accordance
with SMART SOLUTION, BCA’s service standards from Indonesian abbreviation of Heedful, Attractive,
Enthusiastic, Friendly, Thorough, Attentive, Open-minded, Complete, Prioritizing customer needs, Telling
solutions, Initiative, and on-time follow-up), to consistently increase customer trust and satisfaction. This
approach is applied in all BCA.
BCA requires all employees to provide fair service and respect for human rights to all customers, whether
individuals, organizations, or government agencies. This fair treatment applies to all debtor segments,
including corporate, commercial, SME, and consumer. To improve service capabilities, BCA provides a variety
of training, including communication ethics, product knowledge, customer financial protection, and other
relevant materials. This service capability enhancement is carried out annually to ensure services remain
beyond the established standards and to keep up to the customer behavior changes.
Inclusive services are one of BCA’s commitments in providing the best
services to the community.
Hybrid Banking
BCA has combined branches service, customer experience, and digitalization in a hybrid banking concept
to meet customers' needs online and offline. Despite the growth of digitalization, branches remain a key
component, and the Bank continues to develop its frontliners to provide optimal service. The transformation
to digital branches also focuses on strengthening personal relationships with customers, making digital
transformation and customer relationship enhancement both key pillars of BCA's service development.
BCA's branch services are designed for more efficient transaction and queuing times. Customers can make
reservations through eBranch to reduce waiting time. In addition to being equipped with a Cash Recycling
Machine (CRM), branches also have a Digital CS for ATM card printing and replacement, allowing customers
to conduct transactions on their own. This allows bank officers to have more time to build relationships with
customers, educate on financial solutions, and making safer and more convenient transaction settlements.
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Customer Complaint Handling
Complaint Handling Mechanism [2-25]
BCA carries out the complaint handling process through various channels, such as haloBCA (Halo BCA Mobile
Application/ call to 1500888) and BCA branch offices. Each complaint will be resolved following the Service
Level Agreement (SLA). Complaints received will be administered in the Customer Relationship Management
(CRM) application, which will be followed up and monitored by the complaint handling coordinator work unit
under the Contact Center & Digital Services (CDG) Division. The complaint handling process will be reported
quarterly to the Vice President Director.
Complaint Management Flow and Resolution
01 02 03
Verification of customer
Create a receipt for
Customer/Reporter data according to
proof of complaint
applicable regulations
Complaint Recipient
& Recording
Escalation?
Customer Complaint
Channel No
• Telephone/haloBCA Yes
App/ Social Media/e-
mail to Halo BCA Escalation to related
• Media/e-mail
to Corporate
Solutions to work unit:
Complaint Customers • Halo BCA
Communication Bureau
• Walk in/Call/e-mail to Resolution • Related Work Units
Branch Office
02 01
Complaint Resolution
Complaints Resolved Percentage
Number of Complaints
Year based on the SLA Resolved
(in thousand)
(in thousand) (%)
2024 1,178 1,148 97.4%
2023 1,261 1,226 97.3%
2022 1,082 1,061 98.1 %
BCA received 17.5 million customer reports (55.7%) on banking solution information needs, 12.1 million reports
(38.5%) on requests, 1.8 million reports (5.8%) on complaints, and 0.002 million reports (0.01%) on suggestions.
BCA implements quality service and educates customers on the use of banking solutions and secure transaction
tips to improve customer satisfaction.
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Highlight Focus Management
Handling of Financial Complaints
BCA regularly reports on the handling of financial complaints to Bank Indonesia (BI) every quarter and to the
Financial Services Authority (OJK) every semester. These reports include the Customer Complaint Handling
and Resolution Report (Antasena-BI), the Consumer Complaint Service and Resolution Report (siPeduli-
OJK), and the Consumer Complaint Handling Report Related to Money Deposits and/or Withdrawals to Bank
Indonesia (BI).
If the customer rejects the complaint response from BCA, the customer may request mediation through
the Financial Services Sector Alternative Dispute Resolution Institution (LAPS-SJK) in accordance with OJK
Regulation No. 22 of 2023 concerning the Consumer and Community Protection in the Financial Services
Sector by the Financial Services Authority.
Customer Satisfaction Survey
BCA is committed to delivering high quality service by focusing on service excellence and customer
engagement. According to Gallup International survey, BCA's Customer Engagement in 2024 reached a score
above the global average (91st percentile). In addition, BCA also measured Branch Service Quality (BSQ) by
working with an independent third party to ensure service quality at all branch.
Customer Engagement Survey Branch Service Quality Survey
4.77 4.75 4.73 4.88 4.88 4.86
2024 2023 2022 2024 2023 2022
BCA has surpassed Global Gallup Customer Engagement
(above 90th percentile) for the years 2021-2024
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Management Creation in Brief
Access and Affordability
Access to Banking Facilities
and the bca.co.id website. For direct interaction,
Access to Product and Service customers can contact Halo BCA to get the
Information information they need. In addition, BCA provides
BCA encourages financial inclusion by expanding Solution Assistant (SOLA) as Relationship PICs to
access to banking products and services through assist customers with their needs.
a digital banking strategy supported by advanced
technology that can be accessed anytime and Access to Branch Offices and Banking
anywhere. Complete information on products and Service Facilities
services, including benefits, charges, interest rates, BCA provides customers with access to branch
and terms, is available on the official website https:// offices and service facilities across Indonesia, as well
www.bca.co.id/en, myBCA application, and branch as two overseas representative offices in Singapore
offices, to ensure transparency and convenience for and Hong Kong to facilitate physical transactions.
customers. The Bank also maintains the integrity of its building
assets and supporting infrastructure to ensure the
We regularly provide the latest information through customers' safety when transacting. In addition, ATM
various platforms, including social media, BCA and EDC machines are regularly maintained to ensure
Solutions information in the myBCA application, the reliability of customer transaction services.
BCA Branch Office Network
138 Main Branch
Offices (KCU)
36
Provinces
906 Sub-Branch
Offices (KCP)
238
Cities/Regencies
220 Cash
Offices (KCP-Kas)
Electronic Network Distribution
19,543ATM 699,466 EDC
in 273 cities in 481 cities
myBCA Store
in 10 cities
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Highlight Focus Management
Access for People with Disabilities Financial Inclusion
[FS14, FS15] [FS13, FS14] [FN-CB-240a.3]
BCA continues to provide access to banking services
for people with disabilities. One of the BCA's BCA supports Presidential decree No. 82/2016 on the
initiatives to support people with disabilities is talking National Financial Inclusion Strategy (SNKI) by offering
ATM called ATM Wicara, which features audible financial products and services to the unbankable
instructions to assist visually impaired customers in community. These efforts include expanding the
making transactions. Currently, there are 13 Talking ATM network to remote areas, partnering with ATM
ATMs spread across six major cities in Indonesia. BERSAMA, and developing digital banking. As of
the end of 2024, BCA has 28 branches in 3T areas
In 2024, we launched the HearMe Program, an based on the government’s classification and covers
initiative by BCA to support the Deaf community in remote areas through partners such as Indomaret
Indonesia. The program aims to give Deaf people and Alfamart. Account opening can also be done
access to banking services and create a more digitally through BCA Mobile, MyBCA, and partner
inclusive and friendly environment for them. applications such as Blibli, Bayarin, and MyCampus.
This financial inclusion program has made a positive
BCA's HearMe program involves the use of and significant impact on the community, especially
technology to facilitate communication between in providing easier access and financial transactions.
Deaf customers and BCA staff. One key aspect of the
program is providing services using sign language. As part of financial inclusion, BCA has offered
Officers trained in sign language can assist Deaf TabunganKu, Simpanan Pelajar, and Tahapan
customers in conducting transactions or consulting Xpresi. TabunganKu, as a non-cost saving account,
without barriers. The program aims to reduce the is designed for low-income community members
gap in access to financial services for people with to help them save more easily, safely and without
disabilities, as well as raise awareness about the charges. Simpanan Pelajar and Tahapan Xpresi
importance of diversity and inclusion in banking. are targeted at the younger generation. Simpanan
Pelajar offers a simple savings solution that suits
This service can be accessed at myBCA Store in Kota students, while Tahapan Xpresi offers digital
Kasablanka Mall, South Jakarta. HearMe BCA can be services with creative designs, supporting the
perceived as a positive effort in promoting equality younger generation's lifestyle need. By offering
for Deaf community members, as well as an example these products, BCA continues to reinforce its
our social commitment. commitment to financial inclusion for people from all
walks of life.
Number of Inclusion Saving Account
Saving Product Number of Accounts
TabunganKu 1,752,368
Simpanan Pelajar 83,541
Tahapan Xpresi 12,952,402
As of December 31 , 2024
st
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Management Creation in Brief
Integrity in
Banking Services
Data and Information Governance
BCA ensures the security of its customers' data and privacy by adhering to the banking code of ethics, internal
policies and government regulations. Data security is managed through adequate information technology (IT)
systems. BCA considers it is crucial to protect data and privacy as the right of every customer, debtor, and
business partner or supplier/vendor to maintain the trust of stakeholders.
Information Security Management System [FN-CB-230a.2]
Data security management system is a vital aspect for the Bank to prevent data breaches and misuse of data
and information. The Bank implements a data security management system in compliance with OJK Regulation
No. 22 of 2023 on Consumer and Community Protection in the Financial Services Sector and Law No. 27 of
2022 on Personal Data Protection.
In the era of technological advancement and digitalization, data security is a major challenge that requires
the continuous updating of security systems. The Bank has implemented an information and data security
management system based on international frameworks and standards that have been verified by an
independent party. The assessment process is a critical part of controlling and auditing the information security
management system. In 2024, BCA was in the process of renewing its ISO 27001 certification for surveillance.
In addition, independent assessments are conducted to ensure that BCA can get recommendations to improve
and enhance the current cybersecurity and data security management system.
The following certifications have been fully implemented at BCA head office:
ISO/IEC 27001:2013 Data center operation services
ISO/IEC 27001:2022 IT security management system
ISO 9001:2015 Data center network services
ISO 20000-1:2018 Data center network & IT management system
PCI Data Security Payment card data security
Standard 3.2.1
The Information Technology Security Group (ISG) is in charge of BCA's data security and privacy, and oversees
four working units.
Organization Structure Information Technology Security Group (ISG)
Information Technology
Security Group (ISG)
Security Monitoring,
Security ID & Security Security Protection Security Protection
Analytics, &
Administration Assurance A B
Orchestration
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The Information Technology Security Group's (ISG) 12. Implementation of comprehensive security
main duty is to maintain the information security review, validation and testing before launching
management system in operational areas. BCA new applications or features to customers.
applies various IT systems across the branch offices, 13. Implementation of security on employee
head office, and data centers to ensure the security devices used to access e-mail and internal BCA
of information and customer data, including: applications.
1. Implementation of Data Loss Prevention (DLP), 14. Implementation of log analysis, event correlation,
Database Activity Monitoring (DAM), data User Behavior Analytic (UBA) technology to be
encryption, database masking, Information Rights able to monitor security anomalies that occur
Management (IRM), and data classification to from employee activities and in IT systems.
protect sensitive information from unauthorized 15. Implementation of multi-layered security,
access. including OTP, 2FA, and face biometric, to
2. Development of network security technology prevent fraud and data misuse, as well as secure
and upgrade web secure gateway capabilities provisioning of new devices in mobile banking.
that integrate with data protection tools, detect, 16. Ensuring the ISG team receives continuous
and prevent access to malicious sites. training and updated technical knowledge
3. Use of machine learning technology and artificial on cybersecurity and obtaining professional
intelligence. certification in cybersecurity.
4. Improving remote access security starting from
the application of multi factor authentication, Data and Information Management
security at the endpoint used, network security, [2-25, 418-1][FN-CB-230a.1]
and security of the server being accessed, as well Data on customers, vendors, employees, and other
as secure the data being accessed and monitor operational data generated by BCA's internal
remote session activity. systems are automatically stored in the data center.
5. Implementation of one-time password (OTP) In addition, BCA still produces physical data at branch
codes and two-factor authentication in digital offices and archives it. Data management refers to
applications to ensure that they are used by the internal policy No. 196/SK/DIR/2024 on Information
rightful account holder/customer. Security Policy and internal policy No.149/SE/
6. Implementation of data traffic and connection POL/2024 on Centralized Archives Management.
monitoring tools on BCA's network to anticipate
indications of cyber-attacks including data In accordance with internal policies, customer data
breaches and advanced persistent threat risks and management is carried out including the storage
to respond quickly and effectively, monitored by of hardcopy and softcopy archives based on their
a team operating 24x7 at the Security Monitoring classification. Softcopy archives are managed by the
Center (SMC). Information Technology Security Group (ISG), while
7. Implementation of various application safeguards hardcopy archives are centralized or non-centralized
through the use of Obfuscation technology, Web managed. Data related to the classification of Fund
Application Firewall, API Security, BOT & anomaly Raising and Services archives (customer data) is
detection, and payload encryption. specifically stored without archive retention and
8. Implementation of access management and ensures that the stored data can be opened and
monitoring for the use of super user (privilege ID) presented when needed.
to ensure no misuse of access and users.
9. Securing transaction traffic and data exchange All BCA personnel are required to maintain
by applying end to end encryption. confidentiality and protect the privacy of customer
10. Monitoring of data breaches on the Dark Web and and partner/supplier information in accordance with
brand misuse by utilizing Cyber Threat Intelligence the Bank's information security policy and code of
technology. conduct. BCA prohibits the provision of customer
11. Monitoring compliance security of information data to third parties without written consent,
technology implementation at BCA. unless stipulated by law. Privacy risk is part of the
Bank's operational risk, requiring BCA to establish
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Management Creation in Brief
appropriate protection and mitigation policies. informasi/Kebijakan. BCA also enhances security
The Bank also provides customers with the right by regularly educating customers on cyber threats
to access, edit or update their data. In the account and data theft through the #AwasModus campaign
opening form, customers are asked for consent to through digital media, webinars, social media, and
share data with third parties where necessary and other easily accessible channels.
permitted.
All stakeholders could report any privacy violations
Internal Policy on Data Confidentiality through Halo BCA managed by Contact Center
BCA implements a policy to maintain data & Digital Services (CDG), or through the Whistle
confidentiality and protect customer privacy that Blowing System (WBS) handled by the Anti Fraud
applies to all employees at all levels. Article 58 Bureau (BAF) coordinating with the Internal Audit
paragraph 1.e Chapter 20 of the Collective Labor Division (DAI). When a report is filed, BCA is authorized
Agreement (CLA) stipulates that employees are to temporarily block the account at the customer's
required to maintain the confidentiality of the request. During the reporting period, there were no
company and customers obtained through their cases of breach or misuse of customer data that
positions or interactions within the company. Based significantly affected BCA's operations, and there
on BCA's Code of Conduct, every employee is were no complaints related to data breaches and
responsible for maintaining the confidentiality of the leaks. All reports of privacy violations are investigated
customer and bank data. by BAF and reported to the President Director.
Under this policy, BCA employees are prohibited from Employees who violate customer privacy will be
intentionally or unintentionally disclosing company investigated in accordance with labor regulations
secrets, including customer information, information and applicable laws. BCA has a Guideline for Handling
management systems, employee data, supplier or Violation Cases stipulated in Board of Directors
partner information, and government agreements. Decree No. 021/SK/DIR/2012, which includes
BCA also strictly prohibits all employees from trading procedures for handling violations, responsibility
or distributing customer data to external parties. for imposing sanctions, the role of the Personnel
Resolution Committee (KPKK), as well as legal
In order to ensure the protection of personal data, processes that could potentially lead to termination
BCA has appointed a management-level official of employment. Reporting of violations is managed
to act as Data Protection Officer (DPO). The DPO is through the ORMIS-LED Application and followed
responsible for monitoring regulatory compliance, up by the Risk Management Division (MRK) in the
managing risks, and coordinating personal data Operational Risk Management Sub Division. BCA
processing issues. Additionally, the DPO provides does not tolerate violations of customer privacy, and
guidance, raises awareness, evaluates the impact the sanctions imposed may include termination of
of new products or technologies on personal data employment.
processing, and reviews policies and procedures to
maintain data security. The Internal Audit Division conducts an audit of
the privacy policy compliance assessment at least
If a violation occurs, a report can be submitted every 3 years. The last audit was conducted in 2023,
through a dedicated whistleblowing system. After therefore the next audit will be conducted no later
the report is validated, if it meets the criteria, the than 2026.
case will be forwarded to the Anti Fraud Bureau (BAF)
for follow-up.
Cyber Security
Customer Data Protection Policy
BCA's Data Protection and Consumer Information Cyber Security Risk Management
Policy can be accessed at https://www.bca. [FN-CB-230a.2]
co.id/-/media/Feature/Report/File/S8/Kebijakan- The cyber security governance implementation at
G C G / 2 0 2 5 / 2 0 2 5 0 2 0 7 - c o n s u m e r - d at a - a n d - BCA covers risk management and cyber resilience
privacy-protection-policy.pdf, while the Privacy across its business, by referring to the Cyber Security
Policy can be found at https://www.bca.co.id/en/ Risk Management Policy. The implementation of
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cybersecurity risk management involves the role of security risk management and is responsible for
the Board of Governance and work units in the three drafting, developing, and reviewing the adequacy of
lines of defense to ensure the effectiveness of the cyber security risk management policies, strategies,
risk management process with the following division. and frameworks, as well as conducting cyber
resilience testing.
Board of Governance
• The Board of Commissioners is responsible Third Line of Defense.
for actively overseeing the implementation of The Internal Audit Division is responsible for ensuring
cybersecurity risk management. that the first and second lines of defense are
• The Board of Directors is fully responsible for working properly. The division is an independent
the implementation of BCA's cybersecurity risk unit with a function to assess the effectiveness and
management, and ensures the implementation of adequacy of internal control over cybersecurity risk
cybersecurity risk management. management, including reviewing and evaluating the
implementation of cybersecurity risk management,
First Line of Defense. and monitoring the follow-up of audit findings on the
Information Technology Security Group (ISG) is a cybersecurity risk management implementation.
unit/function that has independence in handling
the implementation of cyber resilience and security In principle, all directorates of BCA are responsible
processes, IT management, and is responsible for for cybersecurity governance. The Risk Management
inventorying and appraising IT assets and Non-IT Committee and Integrated Risk Management
information assets, identifying vulnerabilities and Committee under the Board of Directors, as well
monitoring cyber developments, and cyber security as the Risk Monitoring Committee and Integrated
testing. Governance Committee under the Board of
Commissioners, monitor the implementation of
Second Line of Defense. cybersecurity risk management. Cybersecurity
The Cyber Security Risk Management (CSM) monitoring and evaluation are conducted
subdivision is responsible for developing and quarterly during coordination meetings. Cyber risk
monitoring the overall implementation of cyber management at BCA refers to OJK Circular Letter
security risk management as part of the governance No. 29/SEOJK.03/2022 on Cyber Resilience and
process. CSM is a unit/function that has the Security for Commercial Banks.
independence to handle the implementation of cyber
Cybersecurity development at BCA has three key aspects:
People, Process, and Technology.
People
Focus on increasing knowledge and awareness of cybersecurity through e-learning, email phishing tests,
awareness videos, infographics, e-booklets, and posters. Training on penetration tests, hacking, and cyber
security is provided to employees, with annual awareness activities, including Cyber Security Month. In
addition to internal training, BCA also involves third party partners in the training.
Process
BCA ensures compliance with applicable cybersecurity regulations and laws in every operational process
involving customer data.
Technology
BCA continuously upgrades technology to strengthen data security systems. This includes operating a 24/7
IT Security Monitoring Center and establishing an Information Security Incident Response Team (ISIRT) in the
event of cyber incidents and emergency situations, which is regularly tested (at least once a year) to ensure
the system remains protected from potential threats.
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Technology Resilience to Support Cybersecurity
Technology resilience is required to support cybersecurity across BCA's value chain. As part of cyber risk
management, the ISG team has implemented mitigations to manage resilience and cybersecurity at the
operational level, including mitigation against virus attacks, malware, vulnerability exploits, as well as internal
controls that could lead to data breaches. The Bank has also established procedures for handling information
security incidents and a Security Monitoring Center (SMC) that operates 24 hours as well as forming an
Information Security Incident Response Team (ISIRT) should a cyber incident occur.
Preparation Detection & Detention Post-Incident
• Define critical Analysis Eradication & Activities
assets
• Protects assets
• Alerts from Recovery • Notifications
monitoring tools, • Incident Report
(Application, • Response Strategy
customers, Halo Finalization
Network, • Containment &
BCA, Contact SMS, • Root Cause
Host, Data) Remediation
etc. Analysis
• Monitor assets • System
• Incident • Corrective Action
• Vulnerability Assessment
Identification & • Incident Closing
Assessment, Recovery
impact Analysis
Penetration Test
• Incident
• Review & Test
Declaration
Incident Response
• Investigation
Procedure
Adversarial attack simulation programs and table-top exercises are conducted regularly (at least once a year)
to prepare the IT Security team and Information Security Incident Response Team (ISIRT) in handling cyber
incidents and emergency situations. The SMC team conducts threat hunting to analyze methods, techniques,
tactics, procedures, impacts, and trends of cyber attacks on IT systems. To enhance BCA's overall security,
BCA also provides IT security services from Information Technology Service Providers (ISPs) to entities,
ensuring all areas of cyber-attacks are protected, monitored, and mitigated to improve the holistic security
posture.
Information System Monitoring
BCA regularly implements an information security strategy and reviews it at least once every three years
by internal and external auditors, through the collaboration of IT Security and IT Procurement, as well as
conducting cyber security due diligence for third parties that will partner with BCA. To ensure adequate
information security systems, BCA also conducts regular audits, both by the internal and external audit teams.
The 2024 external audit was conducted by KAP Rintis, Jumadi, Rianto & Rekan (Formerly KAP Tanudiredja,
Wibisana, Rintis & Rekan), a member firm of the PwC global network, with focus areas on risk assessment,
cyber duties & responsibilities, asset security, detection controls, security breaches or incidents, general
exposure, as well as backup and recovery. The audit report would be submitted to Board of Directors for
advice to related work unit to follow up on the audit recommendations and findings.
BCA regularly assesses its cybersecurity maturity level every year according to OJK standards. In the 2024
assessment, BCA received a “Strong/ Highly Adequate” result for risk management and cyber resilience.
In addition, BCA regularly conducts information security assessments assisted by consultants for security
development planning over the next three years. BCA has also built internal collaboration between the
Operations Strategy & Development Group (POL), Legal Group (GHK), Risk Management Division (MRK), and
Information Technology Security Group (ISG) to protect customers' personal data.
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Training on Data and Cyber Security
To ensure a the understanding of cybersecurity, all BCA employees including, Board of Directors and Board
of Commissioners, regularly receive updates on how to recognize cyber threats and basic principles of
information security systems. These materials are circulated through email and other internal communication
channels. BCA conducts mandatory e-learning on avoiding phishing with the theme “Berpaling dari Phishing”
to ensure employees are always informed about the latest cyber threat trends and preventive measures. BCA
also has tested all employees through phishing campaigns throughout the year, and measured the level of
cybersecurity culture among employees through a cybersecurity culture assessment. This aims to ensure the
effectiveness of the cybersecurity awareness and knowledge program.
BCA regularly organizes the Cyber Security Awareness Month campaign in October. The Cyber Security Month
Program is a series of programs to educate and raise the awareness of all employees about the importance
of cyber security. The Cyber Security Month Program rewards work units and individuals who participate in
various activities such as webinar, e-learning, awareness, cyber culture & knowledge assessment, phishing
simulation, and others.
Number of Cybersecurity E-Learning Participants
33,741 32,625 28,292
2024 2023 2022
BCA also provides certified cybersecurity training to its cybersecurity team and encourages them to actively
participate in cybersecurity competitions, to hone the team's ability in maintaining BCA's cybersecurity and
resilience. Training topics provided to employees in the IT work unit and Cybersecurity team include:
• CompTIA Security+
• CompTIA CySA+
• Certified Ethical Hacker (CEH)
• Offensive Security Certified Professional (OSCP)
• Certified Information Systems Security Professional (CISSP)
• Certified Professional Penetration Tester (eCPPT), etc
Implementation of Cyber Security Awareness Month with interactive contents.
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Know Our Customer
BCA implements a risk management system with the security. BCA has launched strategic campaigns to
main objective of getting to know and understand address customer needs in the digital era, focusing
customers holistically, including their profiles on security, convenience, and financial inclusion. The
and patterns of financial activity. The approach #DontKnowKasihNo and #AwasModus campaigns
enables the bank to ensure that every transaction aim to raise customer awareness of the rising
complies with applicable regulations, such as Anti- modus operandi of digital fraud, educating them
Money Laundering, Counter Terrorism Financing, not to provide sensitive information such as OTP or
and Counter Proliferation Financing (AML-CFT and PIN to unknown parties. In addition, this campaign
CPF) while protecting customers from the risk of is also designed to increase customer awareness
cybercrime or fraud. This process includes collecting in avoiding fraud and misuse of accounts for Anti-
basic information, such as name, address, date of Money Laundering, Counter Terrorism Financing, and
birth, and official identification, as well as monitoring Counter Proliferation Financing (AML-CFT and CPF).
transactions to detect anomalies or suspicious
activity. As part of its support for service accessibility,
BCA has Online Opening Account feature through
By getting to know customers better, BCA can BCA Mobile and MyBCA which allows potential
offer more personalized services and support their customers to open accounts anytime and anywhere
financial needs more effectively. The system also without visiting a branch office. In addition, themed
ensures the integrity of the financial system is campaigns such as #BagiBagi encourage the use of
maintained, increasing customer confidence and digital services, such as QRIS and online transfers, to
creating a safe, transparent and responsible banking share in special moments.
environment.
Overall, BCA's campaigns demonstrate the bank's
commitment to providing innovative, secure
Raising Awareness and and user-friendly banking solutions amid digital
Customer Engagement technology advancement, while prioritizing
customer satisfaction and convenience.
BCA consistently carries out various programs and
campaigns to provide more convenience, access
to services, and raise awareness of transaction
Collaboration with customers is one of the efforts to create a safe,
comfortable and responsible banking environment.
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AML-CFT and CPF Throughout 2024, BCA has organized training
Implementation programs related to AML-CFT and CPF to enhance
the implementation of AML-CFT and CPF with the
BCA implements Anti-Money Laundering, Counter following details:
Terrorism Financing, and Counter Proliferation
Financing (AML-CFT and CPF) policies in its banking AML-CFT and CPF Training based on Position Level
operations. As part of the process of opening a new
Position Level Number of
account, BCA conducts a risk-based Customer Employees *
Due Diligence (CDD) and Enhanced Due Diligence
(EDD). All employees, especially frontliners, Senior Officers (including the 11
regularly receive dissemination of information to Board of Commissioners and the
Board of Directors)
raise their awareness on AML-CFT and CPF. Further
information on this can be accessed on BCA's Manager 58
official website. Dissemination of AML-CFT and Staff 3,377
CPF is also circulated through e-mail blasts and
Non staff 6,401
other internal communication media. In addition,
BCA implements financial transaction monitoring to Total 9,847
ensure compliance with AML-CFT and CPF as part of * Notes : Training is provided to employees who have not
received education in the previous year.
the Bank's internal controls.
AML-CFT and CPF socialization within BCA.
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n a ble O4
Sustai tal
n Capi
Huma ement
Manag
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Highlight Focus Management
Building Excellent
Human Capital
Employees' readiness to adapt to sustainability trends and the business dynamics of the banking industry is a
material topic that needs to be managed. Therefore, BCA is committed to improving human capital's capability,
in the areas of leadership and innovation, while upholding the company's values and culture. BCA's human
capital management is based on an HC strategies that encompasses talent acquisition, career development,
and retirement preparation.
BCA EMPLOYEE
JOURNEY
01 02 03 04 05
Recruitment & On Boarding Engagement &
Selection Development Retirement Post Retirement
Employee Profile [2-7]
In managing and empowering HC, BCA always upholds human rights principles, including ensuring equality
and freedom from discrimination. All rights and obligations of the Bank and employees are stipulated in the
Collective Labor Agreement (CLA) that is registered to the Ministry of Manpower. The CLA covers various
aspects, such as equality and fairness in performance appraisal, promotion and educational development
policies, work and leave schedules, remuneration policies, and freedom of association. The CLA’s scope
applies to all permanent employees, while the rights and obligations of contract and outsourced employees
refer to the provisions of the applicable labor regulations.
All BCA employees are Indonesian citizens from various ethnic backgrounds, reflecting the diversity of
Indonesia. In order to honor this diversity, BCA does not classify employee data based on ethnicity, race, or
class. In addition, BCA only employs full-time employees, with no part-time workers. The data presented
includes permanent and non-permanent employees with full-time employment status.
Total Employees and the Management based on Gender and Employment Status
2024 2023 * 2022
Employee Status
Male Female Male Female Male Female
Permanent 9,542 15,143 9,232 14,822 8,506 13,785
Non-permanent (contract, 770 1,077 1,327 1,534 957 1,260
probation, trainee)
Total based on gender 10,312 16,220 10,559 16,356 9,463 15,045
Grand total 26,532 26,915 24,508
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Total Employees and the Management based on Gender and Position Level
2024 2023 * 2022
Position Level
Male Female Male Female Male Female
Board of Commissioners 5 0 5 0 5 0
Board of Directors 10 2 10 2 10 2
Senior Manager 115 97 108 94 103 89
Middle Manager 926 963 925 934 872 863
Line Manager 4,053 7,067 3,905 6,742 3,786 6,380
Staff 4,828 7,563 5,124 8,070 4,121 7,207
Non-Staff 375 528 482 514 566 504
Total based on gender 10,312 16,220 10,559 16,356 9,463 15,045
Grand total 26,532 26,915 24,508
Total Employees and the Management based on Gender and Length of Service
2024 2023 * 2022
Length of Service
Male Female Male Female Male Female
> 20 years 2,517 4,223 2,932 4,730 3,369 5,139
15–20 years 327 448 297 403 239 320
10–15 years 1,163 2,190 815 1,446 604 956
5–10 years 1,981 3,698 1,986 4,008 2,106 4,492
1–5 years 3,593 4,592 2,493 3,335 1,977 2,721
≤ 1 year 731 1,069 2,036 2,434 1,168 1,417
Total based on gender 10,312 16,220 10,559 16,356 9,463 15,045
Grand total 26,532 26,915 24,508
Total Employees and the Management based on Gender and Working Area
2024 2023 * 2022
Work Area
Male Female Male Female Male Female
Greater Jakarta 6,445 8,606 6,277 8,399 5,527 7,763
West Java (excluding Greater 710 1,320 1,117 1,723 892 1,563
Jakarta)
Central Java and Yogyakarta 560 1,199 569 1,204 542 1,111
East Java 1,129 2,127 1,122 2,106 1,090 1,959
Sumatra 738 1,441 734 1,402 712 1,257
Kalimantan 264 531 247 513 229 476
Eastern Indonesia 466 996 493 1,009 471 916
Total based on gender 10,312 16,220 10,559 16,356 9,463 15,045
Grand total 26,532 26,915 24,508
*) Data on total employees in 2023 has been restated
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Total Employees and the Management based on Gender and Education Level
2024 2023 * 2022
Education Level
Male Female Male Female Male Female
Doctoral degree 9 4 10 4 10 4
Master’s degree 622 634 589 576 547 504
Bachelor’s degree 8,568 13,572 8,585 13,531 7,354 12,279
Associate degree (Diploma 1-4) 242 773 309 861 323 913
High School (and below) 871 1,237 1,066 1,384 1,229 1,345
Total based on gender 10,312 16,220 10,559 16,356 9,463 15,045
Grand total 26,532 26,915 24,508
Total Employees and the Management based on Gender and Age Group
2024 2023 * 2022
Age Group
Male Female Male Female Male Female
< 25 Years old 1,999 2,373 2,311 2,662 1,707 2,033
25–29 Years old 2,633 3,864 2,375 3,598 1,949 3,438
30–34 Years old 1,811 3,621 1,835 3,730 1,652 3,346
35–39 Years old 998 1,692 819 1,275 574 861
40–44 Years old 345 554 349 650 465 997
45–50 Years old 858 1,703 1,023 2,009 1,292 2,383
> 50 Years old 1,668 2,413 1,847 2,432 1,824 1,987
Total based on gender 10,312 16,220 10,559 16,356 9,463 15,045
Grand total 26,532 26,915 24,508
* Data on total employees in 2023 has been restated
Non-Employee Workers [2-8]
In BCA, there are non-permanent employees who support various operational functions. The total of
non-permanent employees is 1,847 workers or 6.96% of total employees, including contract employees,
probationers, and trainees. In addition, BCA also employs outsourced workers for operational needs such as
security, cleaning, sales, and collection.
Fair Recruitment
BCA talent management covers all stages from recruitment to the end of an employee’s service terms. Talent
acquisition is conducted through several programs, including the Business and Banking Education Program
(PPBP), Informatics Engineering Education Program (PPTI), Management Trainee, and other recruitment
programs (website: https://karir.bca.co.id/). This approach aims to shape employees from entry-level to
leadership level in the company. Recruitment is based on position needs and the compatibility of candidates
with BCA’s cultural values. During 2024, BCA recruited 805 men and 1,164 women through a fair, transparent,
and non-discriminatory recruitment process.
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New Employees and the Management based on Gender and Position [401-1]
2024 2023 2022
Jenjang Jabatan
Male Female Male Female Male Female
Board of Commissioners 0 0 0 0 0 0
Board of Directors 0 0 0 0 0 0
Senior Manager 5 2 3 5 3 0
Middle Manager 4 2 11 5 5 3
Line Manager 9 9 34 19 23 17
Staff 649 853 2,106 2,368 1,134 1,283
Non-Staff 138 298 142 257 91 180
Total based on gender 805 1,164 2,296 2,654 1,256 1,483
Grand total 1,969 4,950 2,739
New Employees and the Management based on Gender and Age Group [401-1]
2024 2023 2022
Age Group
Male Female Male Female Male Female
< 30 Years old 682 921 2,150 2,467 1,173 1,356
30–50 Years old 116 232 135 175 77 120
> 50 Years old 7 11 11 12 6 7
Total based on gender 805 1,164 2,296 2,654 1,256 1,483
Grand total 1,969 4,950 2,739
New Employees and the Management based on Gender and Work Area [401-1]
2024 2023 2022
Work Area
Male Female Male Female Male Female
Greater Jakarta 497 685 1,323 1,245 755 751
West Java (excluding Greater 217 283 667 735 394 532
Jakarta)
Central Java and Yogyakarta 15 47 69 119 18 31
East Java 33 57 101 203 41 67
Sumatra 16 42 59 167 25 33
Kalimantan 12 19 23 59 6 26
Eastern Indonesia 15 31 54 126 17 43
Total based on gender 805 1,164 2,296 2,654 1,256 1,483
Grand total 1,969 4,950 2,739
Employee Turnover Rate
3.4% 3.5% 4.8%
2024 2023 2022
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BCA’s efforts to retain its employees are carried out through good employment management. These include
the provision of remuneration and other employee benefits, including bonuses, higher base salaries than the
minimum wage, regular training tailored to the type of work and general banking materials, performance
appraisal and career paths, decent and safe facilities and workplaces, and HC grievance channels.
By the end of 2024, BCA recorded 1,645 employees leaving the company for various reasons, such as
resignation, retirement, or passed away. With the total number of incoming and outgoing employees taken
into account, BCA’s turnover rate for the 2024 fiscal year was recorded at 3.4%, lower than the previous year.
Employees and the Management Leaving based on Gender and Position Level [401-1]
2024 2023 * 2022
Position Level
Male Female Male Female Male Female
Board of Commissioners 0 0 0 0 0 0
Board of Directors 0 0 0 0 1 0
Senior Manager 1 4 1 0 2 2
Middle Manager 19 17 10 13 21 14
Line Manager 125 173 97 219 169 279
Staff 379 450 206 307 327 445
Non-Staff 193 284 15 0 121 157
Total based on gender 717 928 329 539 641 897
Grand total 1,645 868 1,538
Employees and the Management Leaving based on Gender and Age Group [401-1]
2024 2023 * 2022
Age Group
Male Female Male Female Male Female
< 30 Years old 359 357 174 243 295 365
30–50 Years old 279 449 80 198 167 367
> 50 Years old 79 122 75 98 179 165
Total based on gender 717 928 329 539 641 897
Grand total 1,645 868 1,538
Employees and the Management Leaving based on Gender and Placement Area [401-1]
2024 2023 * 2022
Work Area
Male Female Male Female Male Female
Greater Jakarta 491 647 206 312 459 606
West Java (excluding Greater 97 89 62 89 41 69
Jakarta)
Central Java and Yogyakarta 27 50 12 16 25 39
East Java 44 53 24 41 62 74
Sumatra 25 43 9 39 38 59
Kalimantan 6 12 5 18 6 22
Eastern Indonesia 27 34 11 24 10 28
Total based on gender 717 928 329 539 641 897
Grand total 1,645 868 1,538
* Data on Employees leaving the Company in 2023 has been restated.
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Performance Appraisal and Oversight
BCA will conduct an annual performance evaluation and appraisal for each employee after the performance
period ends. The methodologies implemented are Performance Appraisal (PA) and Performance Management
(PM), which are tailored to the type of job or level of position. The process starts with self-assessment,
followed by review and assessment by immediate superior (Appraiser 1), and verified by 1 level above the
immediate superior (Appraiser 2). This approach is designed to ensure objectivity and minimize the risk of bias
or subjectivity in the assessment.
KPI - Performance Reward Cycles
01 Directorate KPI determination
02 Division KPI determination
03 Individual KPI determination
Performance Management
Implementation Steps
I. Planning
KPI - 04 II. Competency Assessment
III. Coaching 1
Performance IV. Coaching 2
- Reward Cycle V. Annual Review
05 Periodic Promotion Proposal
Salary Increased and Bonus
Proposal via Enterprise
06
Compensation Management
(ECM)
The results of performance appraisals at BCA are taken into consideration for remuneration adjustments,
including bonuses, and in determining employees' career development. In 2024, all employees who meet the
criteria have been evaluated and performance appraised.
Employees Promoted based on Gender and Region
2024 2023 2022
Region
Male Female Male Female Male Female
Head Office 641 659 605 612 574 614
Branches and Regional Offices 437 1053 476 1,129 569 1,225
Total based on gender 1,078 1,712 1,081 1,741 1,143 1,839
Grand total 2,790 2,822 2,982
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Competency Development
Under the coordination of Learning and Development Division, BCA develops its employees' talents. This
initiative aims to develop competent human capital that can quickly adapt to change and contribute to
achieving the company's vision and mission. The management of HC development, including scholarship,
education, and training programs, is stipulated in BCA's internal policies. The Learning and Development
Division is responsible for evaluating the effectiveness of training programs using the Kirkpatrick model and
reports the results regularly to the Human Capital Management Director.
BCA's training programs are designed for a wide range of key aspects, including knowledge of banking
products and services, development of soft skills such as leadership and communication, and technical skills
required to operate banking systems. Training also covers information and cyber security, customer financial
protection, sustainable finance implementation, as well as climate change risk and its impact. Additionally,
the latest sustainability related materials, such as the ESRA and ESG Integration modules are accessible to all
employees through BCA's e-learning platform.
BCA conducts employee competency development through various methods, such as webinars, face-to-face
training, e-learning, video learning, video conference, gamification, microlearning and on-the-job coaching.
The Learning and Development Division conducts monitoring and evaluation of training effectiveness and
periodically reports the results to the program owner in each bureau or work unit for follow-up. [404-2]
In the implementation of training, BCA not only develops internal e-learning, but also engages other external
parties and educational institutions to gain the latest knowledge on sustainability and business banking-related
topics. BCA collaborates with Trisakti Sustainability Center (TSC), Bina Nusantara University, and Prasetiya
Mulya University to provide training. Other institutions that are not educational entities and are also involved
include CDP, IDX, and OJK. Our scholarship program for higher education (bachelor's and master's degree) is
in partnership with Bina Nusantara University, Prasetiya Mulya University, PPM Institute of Management, and
other institutions. By the end of 2024, a total of 162 employees have received educational scholarships.
To enhance employees' knowledge and skills, BCA also provides employees with opportunities to attend both
domestic and overseas training organized by external parties.
Training Realization [404-1]
Description 2024 2023 2022
Training expenses (Rp million) 353,627 372,815 263,243
Total participants 74,416 59,323 53,294
Male 29,999 24,100 21,180
Female 44,417 35,223 32,114
Total training hours per year 1,156,101 1,183,950 950,297
Male 503,727 504,320 402,624
Female 652,374 679,630 547,673
Average training hours per employee per year 44.5 44.0 38.8
Male 48.8 47.8 42.5
Female 40.2 41.5 36.4
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Employees and the Management Training based on Gender and Position Level
2024 2023 2022
Position Level
Male Female Male Female Male Female
Board of Commissioners 1 0 2 0 2 0
Board of Directors 10 2 7 2 2 2
Senior Manager 115 97 107 93 100 86
Middle Manager 2,297 2,917 2,196 2,785 2,131 2,626
Line Manager 2,680 5,109 2,628 4,886 2,515 4,595
Staff 4,821 7,551 5,117 8,062 3,836 6,871
Non-Staff 180 46 230 52 296 7
Total based on gender 10,104 15,722 10,287 15,880 8,882 14,187
Grand total 25,826 26,167 23,069
Note:
Data on internal training organized by the Learning and Development Division
Career Development Program
BCA conducts a series of employee development programs to ensure sustainability in shaping successor
leaders, both in soft and hard competencies. One of the programs is a career development program designed
to prepare employees for higher-level positions.
To support career development in preparing employees for Supervisor position level, Pengembangan
Pratama Program is conducted. To support career development for Middle Management Position Level,
Pengembangan Manajer Muda 1 and Muda 2 programs are held. Meanwhile, to advance to Senior Leader
position, Pengembangan Manajer Madya and Utama are conducted.
This career development program focuses on developing soft competencies such as problem-solving,
commercial acumen, employee development, decisiveness, and strategic orientation. These competencies
are required to improve the ability of prospective leaders at BCA to understand the overall landscape of the
business, identify strategic issues, and generate innovative ideas for development strategies or achievement
of business targets.
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Leadership Program
In addition, BCA implements the BCA Leader+ concept, as stated in Board of Directors Decree No. 234/SK/
DIR/2022, to foster a leadership culture. This concept includes 10 leadership characters that leaders in BCA
should possess. In 2024, BCA held another Leader Sharing Session to disseminate the concept of BCA Leader+,
involving more than 90% of permanent and probationary employees at the Head Office, Regional Offices, and
Branch Offices, with speakers from various levels of leadership. Candidates with leadership potential are also
eligible for BCA scholarships to pursue master's degrees at renowned universities, to prepare BCA's future
leaders.
Becoming a Empathy & Reliable on
Role Model Persuasiveness Growing People
Agility & Drive & Persistence,
Responsiveness yet Patience
Collaboration Looking Forward Enhance Learning
& Personal with a Meaningful Agility & Invest in
Appreciation Goal Yourself
Always Humble & Extra Mile
Serve Others
To enhance understanding and internalization of the BCA LEADER+ character implementation, BCA conducts
BCA LEADER+ training as well as other leadership training programs based on soft competencies, covering
topics such as Self-Development, Change Management, and Leading Across Generations.
BCA LEADER+ corporate culture is consistently internalized through
online and offline media.
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Employment Management
Employment Policy to working hours, overtime, breaks, and leave are
regulated in the CLA Articles 13, 14, 19, 20, and 21.
Collective Labor Agreement (CLA) and In an effort to support work flexibility with certain
Industrial Relations [2-30] criteria, we provide BCA Touchpoint, an alternative
The Collective Labor Agreement (CLA) is the work area outside the main offices. Employees can
result of negotiations between the Company's use the BCA Touchpoint application for registration,
Management and the Labor Union which contains booking, organizing collaboration days, and team
working conditions, rights and obligations regarding coordination.
the Company and employees. The CLA is valid for a
maximum of 2 years since it is signed by the Company The Bank ensures that there are no modern slavery
and the Labor Union, therefore it is necessary to practices in the BCA work environment. Employee
deliberate for CLA renewal every 2 years. The who works overtime shall be compensated in
existence of the Labor Union proves that BCA accordance with the provisions of BCA's CLA. If
management supports the freedom of association, the employee requests to work overtime at their
the rights to assemble, and to express opinions. discretion and is approved by the supervisor, the
Labor Unions not only serve as the negotiation team employee will be compensated in accordance with
for the CLA, but also as a forum and an arm of the the provisions of the BCA's CLA. The company will
employees to convey their aspirations regarding record the number of overtime hours through system.
industrial relations and other aspects of employment. All overtime compensation during the year 2024 has
BCA has seven labor unions. Based on the results been paid on a monthly basis along with the monthly
of the verification of Labor Union membership, one salary.
of which has more than 10% members of the total
employees, namely KOMNAS SP NIBA BCA, which Employee Engagement
has 51.69% members of the total employees. Acknowledging the importance of employee
engagement, BCA conducted another team
Minimum Working Age and Working Time engagement survey in 2024 and achieved a score of
Policies 4.67 out of 5.00. The survey results have also been
Article 7 paragraph 2 letter b of the CLA regulates the distributed to work unit leaders to enable each work
minimum age of employees, ensuring that there is no unit to create an activity plan to further improve
child labor in BCA. We also clearly arrange working engagement. Team leaders and members play an
hours and rest periods in the CLA to ensure that there important role in fostering team engagement, which
is no forced labor. In addition, all employees are requires good teamwork from all parties.
entitled to annual leave.
The working hours applicable at BCA are 5 days in 1
week, 8 hours in 1 day and a maximum of 40 hours in 1
week. Working days start from Monday to Friday. All
BCA employees work full-time with working hours
from 8 AM to 5 PM or 8.30 AM to 5.30 PM, including
a one-hour break, in a week. Provisions related
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Equal Opportunities and Diversity
Gender Equality
In 2024, the percentage of male employees was 38.9% and female employees 61.1%. BCA manages its
manpower by upholding the principles of diversity and equal opportunity without discrimination against
gender, ethnicity, religion, race, or class. It is supported by the non-discrimination policy stated in BCA Decree
No. 214/SK/DIR/2021 on Human Rights Policy, BCA Code of Ethics, and CLA. BCA also continues to increase the
role of women in leadership roles. The corporate governance structure represents diversity in terms of gender,
education, experience, age, and expertise. BCA promotes gender equality and encourages the role of women
in Senior Manager and Director positions to maintain inclusivity.
Women's Representation
Position 2024 2023 2022
Director 16.7% 16.7% 16.7%
Senior Manager 45.8% 46.5% 46.4%
Career Opportunities for People with Disabilities
BCA offers career opportunities for people with disabilities, including those with physical handicaps. By
December 2024, BCA employed 26 outsourced employees with disabilities who work as call center staff in
Contact Center & Digital Services. It is part of BCA's commitment to human rights practices and compliance
with Government Regulation No. 43 of 1998 on Efforts to Improve Welfare for People with Disabilities.
Employees’ Wellbeing and Mental Health
Remuneration and Benefits [401-2]
The remuneration received by BCA employees is determined based on position level and performance
achievement, without discriminating against gender, ethnicity, race, religion, or class. BCA provides
remuneration by always ensuring compliance with minimum wage requirements that apply all over Indonesia.
The remuneration comprises salaries, allowances, cash bonuses, and extra bonuses in the form of BCA shares,
to increase employees’ sense of ownership of the company.
Benefits Based on Employment Status
Permanent Contract
Type of Allowance Trainee
Employees Employees
Religious holiday allowance √ √ √
Year-end allowance √ N/A √
Special religious holiday allowance √ N/A √
Functional allowance √ N/A N/A
Other allowances √ √ √
Note: There is no difference based on gender.
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Salary Comparison between Female and Male Employees
Permanent Employees Contract Employees
Position Level
Male Female Male Female
Staff 11,232,350 11,589,179 8,670,786 8,560,657
Non-Staff (non-managerial) 10,508,960 10,361,750 5,213,285 5,099,788
Data coverage (% of total employees) 50.1%
Note:
The base salary of the lowest level employee at BCA is higher than the Provincial Minimum Wage (UMP) applicable in all branch offices
across Indonesia.
Supporting Wellbeing Parental Leave Entitlement [401-3]
As a manifestation of BCA's attention to employee According to the CLA, all employees are entitled to
wellbeing, BCA carries out a wellbeing program parental leave or leave for the child’s birth. Female
through 4 pillars of Mental & Physical Wellbeing, employees are entitled to maternity leave for 3
Career Wellbeing, Social/Community Wellbeing, and months and for female employees who experience
Financial Wellbeing. Some examples of programs or an accidental miscarriage (abortus provocatus) due
policies designed to support the comfort of work to medical reasons are entitled to miscarriage leave
and support well-being include: for up to one and a half months. Meanwhile, male
1. Flexible working hours policy applied to all employees who accompany their lawful wives to give
employees at the Head Office from non- birth are given permission to be absent from work for
operational service units. 3 working days without reducing their annual leave
2. Working from BCA Touchpoints (official work and if their wives experience a miscarriage, male
locations outside the main office) which is employees will be given permission to be absent
applied to employees at the Head Office from from work for 4 working days.
non-operational customer service work units.
3. Recreational facilities in the form of a recreational
budget coordinated by each work unit. Safe and Decent Work
4. Cooperation with psychological service bureaus Environment
to provide counseling service to support
employees’ mental health. Respectful Workplace Guidelines
5. Facilitating various sports and art activities BCA is committed to creating a healthy, safe,
managed by the Sports, Arts and Hobbies productive, and respectful work environment by not
Coordinating Board (BAKORSENI) to support the tolerating any form of discrimination, harassment,
employees’ work-life balance. violence, or other negative conduct. In 2024, we
6. Providing MySaku Apps to support employee developed a Respectful Workplace Policy (RWP)
wellbeing through the collection of points from to support business processes in establishing an
employee participation in certain activities at inclusive, fair and safe work environment. This policy
BCA. These points can then be redeemed on the is based on national and international human rights
MySaku application into goods/services that can and labor standards and complements BCA's internal
also benefit employees’ wellbeing. human rights policy.
7. Provide a lactation room to give comfort for
female workers during breastfeeding period. This policy is applied not only in the BCA work
8. Flexible Benefit program for employees to environment, but also covers all activities and
exchange part of the benefits they receive from situations involving or related to BCA, either
the company for other benefits that better suit directly or indirectly, such as relationships between
their individual needs. employees, both with permanent, non-permanent,
outsourced, and internship status, relationships with
customers, as well as third parties such as business
partners, vendors or suppliers. This covers various
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aspects of the company's business operations and Occupational Health and Safety
interactions, ensuring the application of the mutual Committee (P2K3) [403-4]
respect in every context of work related to BCA. BCA is committed to creating a sustainable safe and
healthy work environment, for which management
Each governance organ in BCA has its own has established the Occupational Health and Safety
responsibilities, based on the level of management Committee (P2K3) that has been established by the
as well as structural and functional positions in Ministry of Manpower in accordance with laws and
the company. It aims to ensure that each role has regulations. The P2K3 team plays an important role
obligations that align with its responsibilities in in assisting management to design and develop
supporting the implementation of the policy. BCA's strategic programs aimed at improving the OHS
Board of Directors is responsible for ensuring implementation across BCA's work environment.
the effective implementation of the Respectful The organizational structure of P2K3, including
Workplace Policy through periodic monitoring, details of the duties and responsibilities of each
review and evaluation, as well as making necessary member, has been clearly and comprehensively set
adjustments to maintain its relevance and out in the SMK3 Manual. The establishment of P2K3
effectiveness. not only ensures compliance with applicable OHS
regulations, but also contributes to the creation of
Occupational Health and Safety (OHS) a safe, healthy, and productive work culture in all of
[403-1, 403-7, 403-8] the company's work units. BCA routinely reports K3-
BCA has an Occupational Health and Safety related activities to the DKI Jakarta Disnakertansgi
Management System (SMK3) Policy with Decree every three months.
No.165/SK/DIR/2019 regarding the Implementation
of SMK3 which was prepared in line with the Law on Hazard Identification, Incident
Occupational Safety and Employment, Government Investigation, and OHS Risk Prevention
Regulation on the Implementation of Occupational [403-2, 403-4, 403-7, 403-9]
Health and Safety Management System, Minister of BCA implemented an OHS management system to
Health Regulation on Office Occupational Health and minimize workplace accidents and reduce worker
Safety Standards. The SMK3 Policy is available on absenteeism due to illness or injury. The OHS team
BCA's website to be accessed by all stakeholders. In has identified OHS risks in our workplace that
addition, we also have employee protection policies are affected by the condition of office buildings,
stated in the CLA Articles 42, 47, 49, 57 Paragraph 1, 58 transportation vehicles, electricity, and natural
Paragraph 2, and 59 Paragraph 2, as well as referring disasters such as earthquakes and floods. BCA's
to Law No. 13 Year 2003 Article 86 Paragraph 2, measures to prevent potential hazards in the
which stipulates the protection of employee safety workplace include cooperating with building
to achieve optimal work productivity. managers and security officers to ensure that
work facilities are free from technical defects and
BCA ensures that all of its offices implement OHSMS, equipped with light fire extinguishers. Fire drills and
which refers to the OHSMS policy, through surveys natural disaster simulations are regularly conducted
& assessments of BCA buildings directly conducted alongside building management in all branch
by the Occupational Health & Safety (OHS) offices. In addition, BCA buildings are equipped
Bureau, and independently conducted by the OHS with alarms as an early warning system to increase
Implementation Team of work units. All stakeholders vigilance and prevent casualties due to disasters.
in BCA's work environment are encouraged to The Emergency Response Team of the relevant
work together to prevent occupational health work unit is responsible for planning and conducting
and safety (OHS) related incidents. The OHS emergency response tests and ensuring that these
Bureau is responsible for all aspects of OHSMS, procedures are known by all BCA employees and
including drafting, developing, and monitoring outsourced workers who work in the BCA area. The
the OHSMS implementation. OHS performance is implementation of SMK3 is aimed at creating a safe,
annually reported to the Director in charge of Risk conducive and productive work environment, as well
Management. as to reduce employee absenteeism.
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Percentage of Employee Absenteeism Rate Access to Health Facilities and
2.6% Consultation
[403-3, 403-4, 403-6, 403-10]
BCA recognizes the importance of health to
employee productivity, and has made efforts
1.4% to provide a safe and decent workplace. Health
1.0% facilities available at BCA include BPJS Health, health
insurance, counseling services with psychologists
and health education. These facilities are managed
by the Human Capital Management (HCM) Division,
2022 2023 2024 with employees and their families entitled to health
benefits such as inpatient care, outpatient care,
The procedure for investigating and handling childbirth, eyeglasses, dental care, laboratory tests,
incidents in the workplace refers to the OHSMS periodic medical check-ups, and pap smears. One
Procedure Manual on handling OHS cases. In the of the efforts to reduce the risk of occupational
event of a work incident/accident, employees who diseases is by providing ergonomic chairs and desks,
are aware of the incident may request the assistance a decent quality work environment, and education
of the OHS Officer/First Aid Officer to administer with materials such as videos and posters related to
first aid to the injured person if necessary. The OHS office ergonomics, as well as stretching at work.
Officer may follow up by taking the person for
further treatment, either to the hospital emergency Employees over the age of 40 are entitled to an
unit or assisting with the insurance claim process. annual Medical Check-Up (MCU), which can be
The Incident Investigation Team, established by conducted at hospitals, clinics, or laboratories that
management, conducts the investigation process, are partnered with BCA.
identifies the primary cause of the accident, makes
recommendations and reports the results of the OHS Communication and Training [403-5]
investigation to the head of the work unit and BCA BCA's efforts to raise employees' awareness of OHS
management. include facilitating all employees with OHS e-learning
media, organizing online OHS dissemination and
On the other hand, non-permanent employees and/ offline safety and health training for the Emergency
or outsourced employees who work as expedition Response Team and First Aid Officers to ensure
staff, messengers, or couriers are provided with all employees understand OHS procedures to be
safety equipment, such as SNI helmets, jackets, able to identify and address potential hazards
raincoats, and bags. In addition, BCA also offers independently. Every year, BCA actively promotes
reimbursement for making or extending the a healthy lifestyle, including mental health. The Bank
employee's driver's license. also encourages employees to maintain a healthy
lifestyle by joining various health programs managed
by BAKORSENI. In 2024, we organized various health
education activities for employees, including topics
on lung health, eyes, back pain, cancer, stress
management, socializing healthy eating guidelines
and mental health in the workplace.
Fire Drill at BCA office building Free medical check-up for BCA’s employees
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Retirement Plan Preventing Violation and
Harassment
Retirement Training [404-2]
BCA applies a retirement policy at a maximum age of Task Force for the Prevention and
55 years. Employees who have turned 50 years old Response to Sexual Violence in the
can participate in the Ring the Bell program, while Workplace
employees aged 54 years old can join the Beautiful In an effort to prevent, address, and protect against
Life program. Ahead of retirement, employees all forms of sexual violence at the workplace, BCA
receive training on health, investment, financial issued a Board of Directors' Decree No. 076/SK/
management, and skills to develop a business after DIR/2024 on the Establishment of a Task Force for
retirement. Although BCA has a retirement policy, the Prevention and Actions against Sexual Violence
we still value the contributions of employees who at the Workplace. The establishment of the Task
wish to continue working by offering partnerships, Force is one of BCA's commitments in response to
such as representing BCA in signing credit contracts, the Minister of Labor's Decree No. 88 of 2023 on
mentoring, and sharing knowledge with active Guidelines for the Prevention and Handling of Sexual
employees. Retirees from managerial levels also Violence in the Workplace. This Task Force was
have the opportunity to return to work as expert created to promote a safe, comfortable and sexual
staff assisting committees under the Board of violence-free work environment.
Commissioners, based on merit, career path, and
company needs. Communication Channel and Employment
Grievance Mechanism
Pension [201-3] BCA provides a grievance channel related to
The pension fund program is available for employees employment and industrial relations at Halo SDM
who have reached the age of retirement, with (6690000), which can be accessed through BCA’s
a contribution payment scheme that is shared internal telephone network, or via email to halo_sdm@
between the company and employees. All permanent bca.co.id. Complaints can also be submitted through
employees of BCA are eligible for this program, with the whistleblowing system (WBS). We will protect
the company covering 5% and employees 3% of the the confidentiality of reports and impose strict
total contributions. The pension program is managed sanctions on offenders, including issuing warning
by a pension fund established by BCA. Pension fund letters, demotions, or termination of employment.
estimates can be found in BCA's annual report. We prohibit all forms of sexual and nonsexual
harassment, and do not tolerate such behavior. BCA
BCA enrolls all employees in the BPJS Employment also regularly provides dissemination and education
program for Old Age Security (JHT) and Pension to all employees on anti-discrimination and anti-
Security (JP), with a monthly contribution scheme harassment. Employees who witness or experience
in which the company and employees pay in harassment may report it to their immediate superior
accordance with government regulations. The or the HC unit at the regional office/head office, and
percentage of contributions for BPJS JHT is 3.7% the perpetrator will be penalized according to the
from the company and 2% from employees, while for applicable regulations.
BPJS JP, the company pays 2% and employees 1%.
HC Grievance Escalation Procedure
In addition, we also have the Voluntary Contribution Cases of discrimination, harassment, or other abuse
Program of BCA Pension Fund (DP BCA). Participants will be resolved through an escalation mechanism
who wish to increase their accumulated funds in involving the Personnel Settlement Committee
DP BCA will be offered an option to increase their (KPKK). The committee, under the supervision of the
voluntary contributions. Voluntary contributions Board of Directors and led by the Head of Human
are a percentage of the employee's gross monthly Capital Management Division, is tasked with providing
salary, with options ranging from 1% to 7%, in 1% independent recommendations to the Board of
increments. This program has been in effect since Directors regarding the resolution of cases based on
October 31, 2022. the principles of fairness and equality. This process
includes a review of offenses or crimes committed
by employees. As of the end of 2024, there were no
reports or cases of violations of the code of conduct,
norms of decency, or harassment within BCA.
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Human Rights
Human Rights Policy & www.bca.co.id/-/media/Feature/Report/File/
Commitments Sustainability-Index/Kebijakan/20210521-Human-
Rights-Policy-ENG.pdf.
BCA's respect for human rights is an integral part of
the sustainability culture applied in its business and
operations. BCA has established and implemented Human Rights Due Diligence
a Human Rights Policy designed to comply with
national laws and regulations as well as international Human Rights Risk Assessment
standards, including the Universal Declaration of In support of BCA's human rights policies and
Human Rights (UDHR), the UN Guiding Principles on commitments, we continue to integrate human
Business and Human Rights (UNGP), the International rights principles into our operational processes to
Bill of Rights, and the Fundamental Conventions of prevent or mitigate any negative impacts that our
the International Labor Organization (ILO). business activities may cause on human rights. BCA
also conducts human rights due diligence which
The Human Rights Policy reflects BCA's commitment is developed and implemented based on the UN
to conducting business with respect for human rights Guiding Principles on Business and Human Rights
principles, providing guidance and expectations (UNGP).
for human rights protection to all stakeholders, and
reducing the impact of human rights violations. As part of the human rights due diligence process,
The policy applies to all BCA operations (including BCA conducts an assessment of the risks and
employees, direct activities and products/services), potential human rights impacts that may arise from
as well as suppliers and business partners. its business activities and operations. This process
aims to identify and evaluate key human rights risks,
The scope and context of BCA's human rights as well as to design appropriate preventive and
policy is consistent with the scope of its business mitigation measures. The assessment covers various
activities in the financial services industry, including aspects of the company's operations, including core
enforcement of: business activities, daily operations, and the value
1. No human trafficking chain involved.
2. No forced labor
3. No child labor 1. Human Rights Risk Identification
4. Right to associate The first stage of human rights due diligence at
5. Right to collective bargaining BCA involves identifying business areas that may
6. Equal remuneration impact human rights. Following this, an analysis is
7. No discrimination conducted on both actual and potential human
8. Right to privacy protection rights risks. During this process, BCA also maps
the stakeholders affected by these risks.
In 2023, BCA organizes communication and
training programs on human rights as part of the The analysis of actual risks is carried out by
implementation of this policy, including training for collecting internal data and relevant information
the Board of Directors and Commissioners, as well from news and publications. For potential risks,
as the company's Committees. It aims to increase BCA uses information on human rights violations
awareness and understanding at all levels of the in the financial sector, both in Indonesia and
organization and prevent human rights violations. globally, to assess the potential impact on the
This effort is a manifestation of corporate social banking industry. This approach enables BCA
responsibility in creating a safe, fair and inclusive to effectively mitigate risks and protect human
work environment for all stakeholders. BCA's Human rights within its operations.
Rights Policy can be accessed on the https://
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Through this analysis process, BCA has identified potential human rights risks and the stakeholders that
may be affected, including:
Stakeholder Group Vulnerable Group Actual and Potential Risk of Violation
• BCA Employees • Women • The right to fair and favorable working
• Customers • Customers conditions
• Employees of business • Children • The right to freedom of association;
partners, suppliers, and • Third party contract • The right to form and join trade unions;
vendors employees • The right to protection for children;
• Debtor employees • Persons with disabilities • The right to education;
• Investors and shareholders • Pregnant women • The right to not be subjected to slavery,
• Community • Elderly servitude, or forced labor
• 3T communities and around • The right to privacy
operations • The right to a work environment free from
discrimination and harassment
• The right to not be subjected to torture, cruel,
inhuman, or degrading treatment.
• Minority rights
• The right to health
• The right to safety at work
• The right to an adequate standard of living
2. Risk Prioritization Assessment
Once human rights risks have been identified, a mapping exercise is conducted to determine which risks
are most relevant and material to BCA's business activities and stakeholder relationships. This mapping is
based on two main criteria: severity and likelihood of occurrence. The mapping process was conducted by
creating a heat map matrix (5x5). From the mapping, three human rights risks were identified as priorities
for BCA to address, namely:
1. Risk of employee and customer privacy breach.
2. The risk of labor rights violations and modern slavery at BCA suppliers includes forced labor and unfair
working conditions.
3. The risk of labor rights violations at BCA debtors includes forced labor, child labor, discrimination,
harassment, and improper wages.
These risks are considered a priority for BCA in developing plans and evaluating actions already taken, as well
as those that need to be implemented, to mitigate and reduce the impact of human rights risks.
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Human Rights Assessment Human Rights Mitigation &
Remediation
Our commitment to respecting human rights
principles is also in compliance with Presidential BCA ensures that necessary preventive and
Regulation No. 60 of 2023 on the National Strategy corrective measures are developed to prevent
for Business and Human Rights. BCA systematically human rights violations from occurring and to
reviews and assesses potential human rights issues mitigate adverse human rights impacts that may be
in areas of operations, value chains, and business directly or indirectly caused by business operations.
activities. BCA has been conducting human rights
assessments in the context of the bank's social and 1. Risk Prioritization and Mitigation
business responsibilities since 2021. Human rights Based on the human rights risk and impact
assessments are conducted at least every three identification process, BCA evaluates and
years to identify, assess, prevent, and mitigate prioritizes human rights risks covering activities
human rights risks in 100% of BCA's operational areas within the organization and across the value chain.
including procurement, employment, and other The assessment identified the key human rights
bank activities. The human rights assessment of risks that BCA currently prioritizes for mitigation.
customers and vendors aims to avoid BCA's direct or Of all the business risks mapped by BCA, risks
indirect involvement in activities that violate human have been mitigated for risk reduction processes,
rights, such as human trafficking, forced labor, such as:
prostitution, and human trafficking. This assessment
also aims to pay attention to the company's business 1. Employee & Customer: Privacy Rights
risks related to human rights violations and make Risk: The Bank has a potential risk of personal
every effort to prevent and minimize human rights- data misuse of employees and customers due
related risks that may occur. The results of the to data breach or accidental causing violation
human rights assessment identified that 100% of of privacy right.
BCA's operational areas are exposed to human
rights risks at varying levels of potential severity and Mitigation: BCA's mitigation efforts include
likelihood depending on the risk event, stakeholders, mandatory training and education for all
number of vulnerable groups, and business activities employees on data protection, which is
undertaken. conducted and evaluated regularly. BCA also
provides data security education to its supply
BCA also conducts human rights assessments chain. Additionally, BCA also established a non-
through the Business Risk Assessment and Human disclosure agreement (NDA) and procurement
Rights (PRISMA) application platform developed provisions regarding data privacy and security
by the Directorate General of Human Rights, the to BCA's supply chain.
Ministry of Law and Human Rights. This application
was designed to identify and assess potential risks 2. Supply Chain: Related to Employee Rights and
of human rights violations in business activities and Modern Slavery
aims to increase corporate awareness of the impact Risk: The Bank has the potential to indirectly
of their business activities on human rights. In 2023, contribute to employee rights violations
BCA was recognized for conducting a human rights and modern slavery through its business
assessment with PRISMA and received a Green transactions with suppliers that disregard the
rating, setting an example of best practice in the human rights of their employees, including
banking sector. Every company that receives a green female employees, people with disabilities,
rating is required to maintain its performance and and others. These may include employment
reassess within 3 years of the last assessment regulation violations, harassment, acts
of violence, unsafe and unfair working
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conditions, employee health and safety issues, 2. Grievance and Communication
and workplace health and safety issues. We ensure that we uphold human rights not
Affected individuals may include employees only through our Human Rights Policy, the
of suppliers, such as pregnant women, people implementation of due diligence and human
with disabilities, and others. rights assessments, but also by providing
communication and grievance channels for all
Mitigation: In 2024, BCA's mitigation measure stakeholders and vulnerable groups to submit
included the development of sustainable or report any suspected human rights violations
procurement guidelines such as human rights through our internal employee platform, Halo BCA
provisions that need to be carried out by BCA's and Whistleblowing system. All complaints are
suppliers. treated confidentially and can be easily accessed
by all stakeholders.
3. Debtor/Customer: Related to Employee
Rights and Modern Slavery 3. Investigation and Remediation
Risk: The Bank may be indirectly implicated BCA reviews every report related to human rights
through lending to or investing in debtors violations through the Anti-fraud Bureau based
that fail to uphold the human rights of on the requirements of the platform receiving
their employees. This may include unsafe the complaint. BCA will investigate the report
or inadequate working environments, to evaluate the problem, its severity, and the
harassment and violence, lack of decent living responsible stakeholders. BCA is committed to
conditions, health and safety risks, child labor mitigating human rights risks and taking remedial
and forced labor, and other employee rights action through a set of structured steps for
violation. BCA employees, supplier employees, or parties
who are victims of human rights violations.
Mitigation: BCA continues to improve the Remediation process will be carried out in
assessment of financing risks related to accordance with applicable regulations and
environmental, social, and governance applicable mechanisms.
aspects of debtors by implementing financing
guidelines that integrate the management of
environmental and social impacts on debtors.
In addition, BCA also annually conducts
dissemination of social responsibility
provisions developments that need to be
implemented by debtor.
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Crea
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Creating Value
through Bakti BCA
BCA continues to innovate by providing effective and relevant solutions to the environmental and social
challenges faced by communities. These efforts are carried out comprehensively under the umbrella of Bakti
BCA.
Through Bakti BCA, we believe that individuals with the capacity to make a difference can empower the
communities around them. In turn, empowered communities contribute positively to the conservation of
ecosystems. This approach creates a mutually reinforcing and sustainable circle of influence that not only
empowers communities, but also contributes to sustainable development throughout Indonesia.
Bakti BCA to Indonesia's Sustainable Development
This circle of influence is pursued by Bakti BCA's initiatives to improve the quality of life and promote sustainable
development in various sectors, including education (Bakti Pendidikan), healthcare (Bakti Kesehatan), culture
(Bakti Budaya), community empowerment (Desa & UMKM Bakti BCA), and the environment (Bakti Lingkungan).
In 2024, BCA launched the #BuktiBaktiBCA campaign, marked by the premiere of the "Bukti Bakti" video.
Produced on three islands with the participation of Bakti BCA community partners, the video introduces
Nicholas Saputra as Bakti BCA Ambassador to spread the inspiration and impact of the program to a wider
audience. To learn more about this campaign, please watch the video titled "A Story of #BuktiBakti BCA" at
the following link: https://bca.id/buktibaktibca. In 2024, BCA has successfully won Asia's Best CSR at the 14th
Asian Excellence Award 2024.
Bakti Pendidikan
BCA runs a variety of programs aimed at improving the quality and competitiveness of Indonesia's human
resources, especially among the younger generation. These programs are designed to provide knowledge,
skills and competence development for teachers, students, and university students.
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Distribution of Bakti Pendidikan Programs in 2024
Bakti BCA Scholarship Bakti BCASchools BCA Berbagi Ilmu Financial Literacy Other Programs
1. Bali New Public Lecture 1. Bali PPBP/PPTI
(Universitas Udayana) 1. Bengkulu 1. Bali 2. Banten
2. DI Yogyakarta (SDN 61 Kota Bengkulu (Universitas Udayana) 3. Bengkulu
(Universitas Gadjah + 3 Sister School 2. DI Yogyakarta 4. DI Yogyakarta Bakti BCA Internship
Mada) 2. East Kalimantan (Universitas Atma 5. DK Jakarta
3. DK Jakarta (SMAN 3 Penajam Jaya Yogyakarta) 6. Jambi
(Universitas Indonesia, Paser Utara) 3. DK Jakarta 7. West Java SYNRGY Program
Universitas Nahdatul 3. East Nusa Tenggara (Universitas Bina 8. Central Java
Ulama Indonesia) (SD Inpres Nunumeu Nusantara) 9. East Java
4. West Java + 3 Sister School dan 4. West Java 10. West Kalimantan BCA Cash
(Institut Teknologi 25 sekolah program (Institut Teknologi 11. South Kalimantan Management
Bandung, Universitas GASING di Manggarai Bandung, President 12. Central Kalimantan Academy
Padjadjaran, IPB Barat) University) 13. East Kalimantan
University) 4. Southwest Papua 5. East Java 14. North Kalimantan
5. Central Java (SDN 35 Sorong + 2 (Universitas Islam 15. Bangka Belitung Empowering
(Universitas Sister School) Malang, Universitas Island Disabilities
Diponegoro) Kristen Petra) 16. Riau Island
6. East Java Continue 6. Central Java 17. Lampung
(Institut Teknologi East Jawa (Universitas 18. Maluku Scholarship
Sepuluh Nopember, (SDN 1 Tamansari, Diponegoro) 19. West Nusa Tenggara Partnership with KSE
Universitas Airlangga, SMPN 1 Licin, SMAN 1 7. North Sulawesi 20. East Nusa Tenggara Foundation and UPH
Universitas Wongsorejo) (Universitas Sam 21. Papua
Brawijaya, Universitas Ratulangi) 22. Southwest Papua
Muhammadiyah Graduated 8. South Sumatra 23. Riau
Malang) 1. Banten (Universitas Sriwijaya 24. West Sulawesi
7. West Kalimantan (SDN 1 Taktakan, SDN 25. South Sulawesi
(Universitas 2 Taktakan, SMPN 6 Banking Tour 26. Central Sulawesi
Tanjungpura) Kota Serang, SMAN 3 1. Bali 27. Southeast Sulawesi
8. East Kalimantan Serang (BCA KCU Kuta) 28. North Sulawesi
(Universitas 2. DI Yogyakarta 2. DK Jakarta 29. West Sumatra
Mulawarman) (SDN 3 Semanu, (BCA KCU Wisma 30. South Sumatra
9. Papua SDN Kwangen, SDN Asia) 31. North Sumatra
(Universitas Banyubening 1, SDN 3. West Java
Cenderawasih) Candibaru 2, SDN (BCA KCU Dago)
10. South Sulawesi Ponjong 1, SDN 4. Central Java
(Universitas Ponjong 2, SMPN 1 (Halo BCA Semarang)
Hasanuddin) Karangmojo, SMPN 5. South Sumatra
11. North Sulawesi 1 Ponjong, SMPN 1 (BCA KCU Palembang)
(Universitas Sam Semanu, SMAN 1
Ratulangi) Karangmojo)
12. West Sumatra 3. Lampung
(Universitas Andalas) (SDN 1 Gadingrejo,
13. South Sumatra SMPN 1 Gadingrejo,
(Universitas Sriwijaya) SMAN 1 Gadingrejo)
14. North Sumatra
(Universitas Sumatra
Utara)
Scholarship and Educational Assistance
Bakti BCA Assisted Schools
The Assisted School program aims to develop and empower school communities holistically, to produce
outstanding and competitive human resources, while supporting government programs to improve the
quality of education in Indonesia. BCA's assisted schools are spread across several cities in Indonesia from
elementary, junior high, to senior high school levels. Bakti BCA schools are aimed at achieving excellence in
character, science and technology.
In 2024, BCA added four Bakti BCA schools and eight sister schools, while also handing over 17 Bakti BCA
schools to the local education authorities for successfully surpassing the national quality of learning standards.
One of Bakti BCA's assisted schools is Inpres Nununemu elementary school in East Nusa Tenggara, which has
been visited and gained appreciation directly from the Deputy Minister of Primary and Secondary Education,
Fajar Riza Ul Haq, for its innovative Science Garden, an open learning space that has sparked interest in
applied science learning and love for the environment. The numeracy enrichment program was also held for
32 teachers and 64 students in 25 schools in West Manggarai, East Nusa Tenggara, in collaboration with the
Teknologi Indonesia Jaya Foundation founded by Prof. Yohanes Surya, Ph.D.
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Bakti BCA Scholarship
BCA supports students to complete their university education program through providing scholarships,
along with various competency development such as transformational program, financial planning, company
visit, and career workshops. In 2024, BCA awarded scholarships to 700 students from 20 universities in the
categories of financial assistance, academic achievement, and aptitude achievement, with a total value of
Rp7.52 billion.
National Bootcamp – Every Champion is Unique, The Champions is You
National Bootcamp is the culminating event of the Bakti BCA Scholarship Program 2024. This hybrid event concluded
a series of mentoring and development activities during the year for all Bakti Champions - a term used for Bakti BCA
Scholarship recipients. This program is one of Bakti BCA's efforts to support the development and improvement
of human resources competitiveness, especially the younger generation, create positive impacts through social
contributions, and prepare Bakti Champions for future challenges, both in careers and post-campus life.
BCA Berbagi Ilmu
With the involvement of BCA's Directors (Leaders) as presenters in BCA Berbagi Ilmu, this capacity building
program for the younger generation raised various topics such as leadership, technology and personal
development. The program was carried out through a series of public lectures at 10 universities and was
attended by more than 6,900 students. BCA also held Banking Tour & Sharing at BCA branch offices and work
units, with over 500 participants from seven high schools & vocational schools and two universities. The “BCA
Berbagi Ilmu” program also featured Bakti BCA Ambassadors.
The Beauty of Disabilities: Makeup Class with BCA
BCA in collaboration with Perempuan Tangguh Mandiri Indonesia (PTI) Foundation held a make-up course for people
with hearing disabilities (Teman Tuli) titled “The Beauty of Disabilities: Makeup Class with BCA.” This program is part of
BCA's commitment to improve the quality of education and provide inclusive opportunities for people with disabilities.
The program begins with recruitment, training in professional makeup and hairstyling, marketing branding through social
media, and financial literacy, and ends with a competency exam to obtain a certificate from the National Professional
Certification Agency (BNSP). The course was attended by 10 Teman Tuli who also had the opportunity to become make-
up artists at various events, including Kebaya Fashion Week, Jiwa Surga Khatulistiwa as part of 'Gebyar Merah Putih'
series, and Indonesia Knowledge Forum.
Business & Banking Education Program and Computer Science Education Program
One of BCA's advantages in supporting the education of the nation's young generation and their readiness
for work is the Business & Banking Education Program (PPBP - previously known as Accounting Education
Program/PPA) and Computer Science Education Program (PPTI). These two non-degree education programs
are jointly implemented with leading universities in Indonesia. Graduates of the PPBP and PPTI are immediately
offered the opportunity to join BCA.
PPBP and PPTI Participants and Alumni
PPBP a) Participants PPBP b) Alumni PPBP b) Alumni Joined BCA
2024 264 2024 88 2024 87 (99%)
2023 265 2023 132 2023 131 (99%)
2022 308 2022 132 2022 126 (95%)
PPTI a) Participants PPTI Alumni PPTI Alumni Joined BCA
2024 308 2024 101 2024 100 (99%)
2023 307 2023 60 2023 60 (100%)
2022 267 2022 67 2022 67 (100%)
(100%)
Description:
a)
2024 participants consist of 6 PPBP batch and 9 PPTI batch
b)
PPBP graduates in 2023 and 2022 are PPA graduate data
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Bakti BCA Internship
BCA offers Bakti BCA Internship program for graduates of high schools, vocational schools, and undergraduate
programs who are interested in a career in banking. The program offers positions such as customer service
officer and teller. In 2024, there were 3,982 new participants in the Bakti BCA Internship program, up from
3,915 participants in 2023.
SYNRGY Program
SYNRGY is an empowerment and education-based initiative aimed at supporting the digital economy in
Indonesia by enhancing the capacity and competitiveness of startup companies. The program consists of
SYNRGY Accelerator and SYNRGY Academy.
SYNRGY Accelerator
The SYNRGY Accelerator is designed to foster growth and innovation within the startup ecosystem, focusing
on digital business development. This program provides tailored training to meet the specific needs of each
startup, with the primary goal of strengthening Indonesia's digital ecosystem. Since its inception in 2019, the
program has successfully trained a total of 82 startups.
SYNRGY Academy
SYNRGY Academy, in collaboration with Binar Academy, offers scholarships and training to enhance capacity
and competence in information and communication technology. In 2024, the program successfully educated
292 participants. Upon completing the academy, BCA supports alumni in their job search and provides
opportunities to join the BCA Group.
BCA Cash Management Academy
BCA Cash Management Academy partners with various vocational schools across Indonesia to prepare a
work-ready young generation. Selected vocational schools are provided with operational tools, such as
dummy money, money counting machines, money sorting machines, ATM and CRM machines, as well as cash
delivery vehicles. In 2024, a total of 3,687 participants joined the program, with 325 participants selected for
a 6-month internship program at various BCA vendors.
Financial Literacy [FS16][FN-CB-240a.4]
BCA is committed to making a positive impact through financial literacy education for the Indonesian societies,
aiming to support the long-term development of the national economy. Financial literacy is expected to
enhance people's ability to manage finances, build businesses, and plan for the future. To achieve widespread
and equitable financial literacy education, BCA launched a digital learning platform in 2024—an e-learning
program focused on Financial Literacy (https://literasikeuangan.id/). Through this platform, the reach and
impact of financial literacy are expected to grow progressively in the future.
>230,000 >1,000 252 544
people participating activities branches employees participate
in financial literacy implementing as financial literacy
education financial literacy ambassador
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BCA's Financial Literacy Education Program is implemented nationwide, both offline and online, involving a
voluntary movement of BCA employees and various external parties such as the OJK, academics, financial
planners, and other financial experts. The program is intended for various groups, including students, teachers,
university lecturers, MSMEs, informal sector workers. BCA also has operated SiMolek vehicles as information
facility for financial literacy and education to reach wider community.
BCA carries out financial literacy programs that reach different segments of society as part of its commitment
to support financial inclusion. For low-income or marginalized individuals, the literacy program focuses on
personal finance management, such as budgeting, the importance of saving, and the proper use of financial
products. For the younger generation, BCA provides early introduction on digital finance, investment, and
financial management to prepare them to deal with future economic challenges.
In addition, BCA reaches out to unbankable communities and/or those in rural areas by providing education
on the benefits and accessibility of banking services, encouraging their integration into the formal financial
system. With these initiatives, BCA supports sustainable economic development by creating an ecosystem of
people with adequate financial literacy and access to banking services.
OJK Appreciation for Implementation of Financial Literacy Activities
As a recognition for its commitment to supporting the improvement of financial literacy of the Indonesian young
generation, BCA received the Satu Rekening Satu Pelajar (KEJAR) Award from the Financial Services Authority (OJK)
in the Best Implementation category for Conventional Commercial Banks. The award was personally accepted by
Antonius Widodo, Director of BCA, at the launch of the National Financial Literacy Movement (GENCARKAN). On the
same occasion, BCA was also a finalist for the KEJAR Award in the Best KEJAR Achievement category in celebration
of Indonesia's National Saving Day.
Sustainable finance Training for Bakti BCA Assisted Villages and UMKM
Go Export Program
As part of its commitment to sustainable development, BCA provided financial training for 14 Bakti BCA Assisted
Villages, 26 MSMEs in the villages, and 58 participants of the UMKM Go Export Program. The program is designed
to improve the communities financial management skills, including financial management, preparation of simple
financial reports, introduction to financial products, and digital financial records through SI APIK application.
Participants of the UMKM Go Export program also received financial management mentoring in calculating export
costs.
1 2 3 4
5 6
1. BCA Deputy President Director Armand W. Hartono and Bakti BCA Ambassador Nicholas Saputra gave a public lecture on BCA Berbagi
Ilmu at Universitas Diponegoro. | 2. MUA Bakti BCA Training. | 3. MUA Bakti BCA has the opportunity to do make up for one of Puteri Indonesia
| 4. Bakti BCA Assisted School in eastern Indonesia. | 5. Financial Literacy in school. | 6. Sharing session in National Bootcamp oh Bakti BCA
Scholarship with Najwa Shihab.
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Bakti Kesehatan
Stunting Reduction Program
BCA supports stunting reduction efforts in Indonesia through two complementary strategic programs, PASTI
(Partnership to Accelerate Stunting Reduction in Indonesia) and “Ayo Cegah Stunting”. The PASTI program
focuses on a national level through multi-stakeholder collaboration, with commitment to donate a total of
USD1 million over 2023 to 2026. By the end of 2024, BCA has disbursed Rp7.5 billion to support stunting
reduction in four priority provinces of Banten, East Java, East Nusa Tenggara, and West Kalimantan.
PASTI achievements through multi-stakeholder collaboration for the period 2023-2024
4,238 Toddlers
received nutrition
interventions
5,718 Teens, along with future
brides and grooms
attended reproductive
12,233 Parents participated
in behavioral change
health education & communication activities
stunting prevention
Achievements "Ayo Cegah Stunting"
19 Community leaders trained to
become local champions of
stunting prevention
40 Community members
involved in seeking
data-driven solutions
50 Adolescents received
experiential learning through
the ‘Sekolah Lapangan’ program
53 Integrated health post
cadres trained to improve
community health &
851 Members of the community
participated in the initial
activity of Ayo Cegah
nutrition care Stunting program
Meanwhile, the stunting prevention program, Ayo Cegah Stunting, focuses on empowering local village
communities, beginning in late 2024 in West Sumatra and West Nusa Tenggara. The program has trained
community leaders and youth as agents of change to find viable solutions that can address the community's
actual needs. The initial steps included in-depth research to understand local conditions and the preparation
of activity guidelines to be implemented in 2025.
Eye Health Program
Since 2001, BCA has consistently contributed to promote eye health in Indonesia through a cataract surgery
program in collaboration with the Cataract Blindness Control Section of the Indonesian Ophthalmologist
Association (SPBK Perdami). Throughout 2024, the program has helped 1,010 beneficiaries in five provinces,
restoring their sight and improving their economic productivity and quality of life. In addition, BCA donated
four units of cataract surgery equipment to Perdami to increase their medical service capacity.
As a further step, BCA also expanded the scope of the program by providing presbyopic eye examinations,
distributing 699 reading glasses to the elderly, and providing eye health education to 100 elementary and
junior high school students.
1,010 Rp1.5Billion
Successfully operated cataract Value of assistance
patients, including those of for cataract surgery
productive age and/or are highly equipment to Perdami
dependent on others
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Assisted Clinics and Social Health Services
BCA supports community health services by providing subsidized medical treatment and family planning
services at two assisted clinics, the Duri Utara Medical Practice in Tambora, West Jakarta, and the Bakti Medika
Clinic in South Mangga Dua, Central Jakarta.
11,831 1,789
patients received fee waivers for patients received fee waivers
general medical treatment for contraceptive service
In celebration of BCA's anniversary and Indonesia's Independence Day, BCA provided free medical check-ups
for 455 residents around the clinic, including detection of hypertension, diabetes, cholesterol, and uric acid,
for early detection of illnesses.
Blood Donation
Since 1990, BCA has partnered with the Indonesian Red Cross (PMI) to support regular blood donation drives.
In 2024, these efforts resulted in the collection of 2,211 blood bags through events at the Head Office and BCA
branches.
BCA’s Unwavering Consistency Earns Award from
Indonesian Red Cross (PMI)
BCA received an award from PMI Jakarta for its consistency as one of the
institutions that actively organized blood donation programs for the 2023-2024
period. The award was directly presented to BCA by PMI Chairman Muhammad
Jusuf Kalla and Jakarta PMI Chairman Rustam Effendi.
1 2 4
3
5 1. BCA's Directors attending blood donation activity. | 2. Employees of BCA
donated blood in BCA's offices. | 3. Providing eyeglasses to people in need. | 4.
Free cataract surgery program. | 5. Health education and preventing stunting in
adolescents.
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Bakti Budaya
Cultural Preservation Program
BCA is committed to support the preservation of Indonesian art, tradition and local wisdom through various
strategic programs. These initiatives include the preservation of performing arts, cultural heritage, and the
empowerment of local communities to maintain cultural relevance and develop sustainably.
Indonesian Arts, Culture, & Traditions
As part of the Gebyar BCA Merah Putih event and BCA's commitment to cultural preservation and community
empowerment, in August 2024, BCA presents the Performing Arts of the Pagelaran Nusantara: Jiwa Surga
Khatulistiwa at Ramayana Ballet Prambanan, Yogyakarta. The event celebrated Indonesia's cultural wealth
through dance, music, and theater collaborations involving 120 performers from Bakti BCA studios and schools,
art communities, and professional artists. This performance created a captivating cultural experience for 1,114
audiences, including 306 students, strengthening the younger generation's attraction and appreciation for
cultural arts.
As part of the creative process, students from Bakti BCA schools and the arts community participated
in a series of intensive rehearsals with the professional artists to enhance their knowledge and skills in the
performing arts while instilling the value of professionalism and self-confidence.
Impact of the Pagelaran Nusantara Program: Jiwa Surga Khatulistiwa
Economy Generating direct income for 98 performers, 22 musicians, 72 production team
members, and 15 costume makers.
Social Increasing participants' skills, confidence and collaboration with professional
artists.
Education Cultural knowledge transfer process to students of Bakti BCA schools, with official
certificates from the Ministry of Education, Culture, Research and Technology.
Social Inclusion Involving the disabled community as makeup artists, reinforcing commitment to
inclusivity.
Natural Dyeing Training for Woven Fabric
In 2024, BCA expanded its natural dyeing training for woven fabrics (wastra) to Baduy, Banten and East Sumba, East
Nusa Tenggara, after a previous success in Timor Tengah Selatan. The program involved 15 participants in Baduy
who produced 179 fabrics and 50 participants in Sumba with 94 fabrics. This initiative not only aims to reduce the
use of chemicals, but also conserve natural resources and maintain the sustainability of weaving cultural heritage,
especially for the younger generation. The program also includes the participation of men, which is rare in traditional
weaving. This strengthens the cooperation between the genders and ensures that the natural dyeing process is
passed on. Through this initiative, weavers gain added value to their products, greater market access and better
incomes, supporting cultural heritage preservation and the sustainable well-being of local communities.
1 2 3
1. Nicholas Saputra, Bakti BCA Ambassador read monologue in Pagelaran Nusantara
Jiwa Surga Khatulistiwa. | 2. Pagelaran Nusantara Jiwa Surga Khatulistiwa was
presented by collaboration of art studios and students of Bakti BCA Assisted School.
| 3. Training of the natural color wastra was attended by the women wastra artisans.
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Empowering Local
Economies
BCA supports local economic empowerment by running community mentoring programs aimed at encouraging
sustainable self-reliance.
Bakti BCA Villages [203-1, FS13][FN-CB-240a.3]
BCA continues to amplify its impact by building the capacity of assisted villages, providing access to finance,
supporting food security through food cultivation coaching, and revitalizing coffee plantations.
Assisted Villages Partner Villages
Sumatra Sumatra East Nusa Tenggara
Tourism Village Limbongan Tourism Village Kampung Warna Warni Tigarihit Tourism Village Prai Ijing Tebara
Tourism Village Nagari Silokek Tourism Village Dayun
Tourism Village Kampung Adat Nagari Sijunjung Tourism Village Teluk Kiluan Maluku
Tourism Village Bukit Peramun Tourism Village Pahawang Tourism Village Negeri Laha
Tourism Village Kreatif Terong
Tourism Village Kelubi Java Sulawesi
Tourism Village Patakbanteng Tourism Village Kakaskasen Dua
Java Tourism Village Pecinan Glodok Tourism Village Malangga
Kampung Batik Gemah Sumilir Tourism Village Saba Budaya Baduy
Doesoen Kopi Sirap Tourism Village Situs Cagar Budaya Gunung Padang Kalimantan
Wisata Wayang Dusun Pucung Wukirsari Tourism Village Semen Tourism Village Derawan Island
Tourism Village Pentingsari Tourism Village Edelweiss Wonokitri Tourism Village Kampung Melayu
Wirawisata Goa Pindul BML
Tourism Village Tamansari
Bali
Tourism Village Taro
West Nusa Tenggara
Tourism Village Hijau Bilebante
In 2024, BCA provided mentoring to 30 Bakti Villages, consisting of 14 assisted villages and 16 partner villages
in collaboration with the Ministry of Tourism of the Republic of Indonesia. The support for these tourist villages
primarily aims to enhance the economic well-being of local communities by increasing income and creating
job opportunities in the tourism and creative economy sectors. This initiative is guided by official frameworks,
including the Ministry of Tourism and Creative Economy Regulation No. 9 of 2021 on Sustainable Tourism
Destination Guidelines, the Minister of Tourism's Decree No. KM.143/KD.00/MENPAR/2019 on the Indonesia
Sustainable Tourism Council, as well as the Global Sustainable Tourism Council (GSTC) standards. This ensures
that the support is well-directed and aligned with sustainable tourism principles, as proven by the increasing
value and performance of Bakti BCA's assisted villages, based on the Ministry of Tourism's Village Tourism
criteria. By 2024, 12 out of 14 assisted villages have been classified as advanced and independent tourism
villages.
Number of Visitors to Bakti BCA Assisted Villages
In 2024, Bakti BCA-assisted villages recorded a total of 291,452 visitors. Tamansari Tourism Village continued to
be the destination with the highest number of visitors, with 156,898 people or 53.8% of the total visitors. It was
followed by Goa Pindul Tourism Village with 37,478 visitors and Taro Tourism Village with 31,011 visitors. Over the
past three years, assisted villages have attracted 778,919 visitors.
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Number of Bakti BCA Assisted Villages in Maluku as the third winner of the Developing Tourism
Workers Village category.
Bakti BCA assisted villages play a role in supporting
the economic empowerment of local communities. Development Programs for Bakti BCA
14 assisted villages have created job opportunities Assisted Villages
for 1,213 local workers, consisting of 479 tourism In 2024, BCA provided 76 development programs to
workers listed in the management decree and 734 sustainably improve the quality and competitiveness
workers outside the management decree. Terong of tourism villages.
Creative Tourism Village recorded the largest
number of tourism workers outside the management Market Access Expansion
decree with 268 people. There are now three BCA- BCA is committed to supporting market expansion
assisted tourism villages with female leaders, namely through access to BCA Lifestyle and various other
Pentingsari Tourism Village, Kampung Adat Nagari digital platforms, achieving a total transaction value
Sijunjung, and Bilebante Green Tourism Village. In of over Rp320 million. In addition, the implementation
addition, 99.7% of workers are of productive age (16 of familiarization trips and sales missions program
to 64 years old) and 12% of tourist village workers has improved domestic market access, resulting in a
speak a foreign language. transaction value of over Rp270 million. Furthermore,
BCA has facilitated international market access
Total Revenue of Bakti BCA Assisted by providing opportunities for Bakti BCA Assisted
Villages Villages to participate in the Bali Beyond Travel
In 2024, Bakti BCA assisted villages recorded Fair & Wonderful Indonesia Travel Fair, generating
revenues of Rp13.3 billion, an increase of 58% transactions worth over Rp280 million. Additionally,
compared to Rp8.4 billion in 2023. Over the past five through a strategic partnership between Bakti BCA
years, the total revenue of BCA-assisted villages and the local jewelry brand TULOLA, silver artisan I
has reached Rp28.7 billion, indicating the program's Made Suama from Desa Taro, a Bakti BCA assisted
concrete contribution to supporting the local village, collaborated in designing and producing
economy. three pieces of jewelry in the "The Dancer"
collection, which are marketed internationally. This
collaboration supports the global market access of
Total income of 14 Bakti 13.3
Desa Taro’s silver craftsmanship.
BCA Assisted Villages
(Rp billion) 8.4
Professional Certification
BCA has been working to support the capacity
4.0
1.8 development of human resources in Bakti Villages
1.2
through financial management training and
2020 2021 2022 2023 2024 assistance with the issuance of 51 professional
certifications through the National Professional
Certification Agency (BNSP). This includes
Achievements of Bakti BCA Assisted certifications for Balawista Tirta, Ecotourism Guide,
Villages Tubing Guide, and Outbound Guide.
Several Bakti BCA assisted villages have received
awards and recognition from various parties, both International Scale Development
nationally and internationally. Taro Tourism Village and Capacity building at the international level was also
Bilebante Green Tourism Village received the Best provided to Taro Tourism Village and Green Bilebante
Tourism Village-Upgrade Program from the UN Tourism Tourism Village, which had the opportunity to attend
for Rural Development Program. Kreatif Terong Tourism the international conference "The First UN Tourism
Village in Belitung won the Wonderful Indonesia Conference on Tourism for Rural Development and
Impact 2024 award from the Ministry of Tourism. The Second Annual Meeting for The Best Tourism
The "Anugerah Desa Wisata Indonesia" (ADWI) 2024 Village by UN Tourism Network" in Hoi An, Vietnam.
recognized Patakbanteng Tourism Village in Wonosobo This initiative aimed to expand their network with
as the first winner in the resilience category, Derawan members of the Best Tourism Villages and conduct
Island Tourism Village in Kalimantan as the third winner a benchmarking study at top tourism villages in
of the digital category, and Negeri Laha Tourism Village Vietnam.
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Rumah Pangan Hidup MSMEs from the 10 assisted villages involved in the
In 2024, BCA initiated the Rumah Pangan Hidup Bakti BCA assisted MSME program have a variety
program in four assisted villages: Kampung Adat of commodities, including batik fabric, weaving,
Nagari Sijunjung in West Sumatra, Limbongan palm sugar, coffee, singkoling chips, mushrooms,
Tourism Village in Belitung, Wira WIsata Goa and puppet crafts. At the end of 2024, the Bakti
Pindul in Yogyakarta, and Bilebante Green Tourism BCA-assisted MSMEs total revenue of more than Rp1
Village in Lombok. The aim of this program was billion, with the majority of revenue generated by
to improve the local community's understanding the Kampung Gemah Sumilir Batik MSME reaching
of the concepts and techniques in vegetable Rp470 million, or around 47% of total revenues. To
cultivation and waste management. The program support the sustainability of the assisted MSMEs,
saw the participation of 110 tourism workers and BCA provides various coaching, such as training and
200 local community members, of whom 78% were market access expansion.
women. Under the program's guidance, the villagers
successfully cultivated 179,690 vegetable seedlings 1. Promotion and Market Access Expansion for
and generated a total income of Rp86 million from Bakti BCA Assisted MSMEs
the harvest, which has the potential to reduce Bakti BCA facilitates promotion and market
the average household's monthly expenditure on expansion for MSMEs through the provision of
vegetables by 50%. The program also contributed to pop-up stores or booths at various events, as well
the village's waste management by managing 66.8 as e-flyers featuring a catalog of assisted tourist
kg of organic waste and 814.8 kg of inorganic waste, villages. BCA's assisted MSMEs have participated
which were transformed into planting media and in major events such as BCA Expoversary,
natural fertilizer. Indonesia Knowledge Forum, UMKM Festival,
Pekan Raya Jakarta, Gebyar BCA Merah Putih,
Various Development Programs for Bakti BCA Pagelaran Sabang Merauke, and BCA National
Assisted Villages Work Meeting, to expand market reach and to
Various other development programs were held, promote MSME products.
including mentoring to improve tourist attraction,
guide training, financial management, and others, 2. Training for MSME Entrepreneurs
with the collective estimated contribution to revenue MSME Halal Certification Assistance
generation of more than Rp140 million. In 2024, more than 2,400 MSME entrepreneurs
across Indonesia have received assistance
Visitor Satisfaction Survey for halal certification, mentoring on Business
To maintain the quality of tourism village services, Identification Numbers (NIB) issuance for those
visitors are invited to leave reviews of their who did not have one, and introduction to
satisfaction, one of which is through Google ratings. banking products. In 2024, as many as 1,986
The average rating of the Google survey for the 14 halal certificates issued in 24 cities/districts
Bakti BCA assisted villages is 4.7 out of 5. spread across 13 provinces in Indonesia. The
halal certification enables MSMEs to leverage
the opportunity to increase product quality and
Collaboration and Engagement business scale to boost competitiveness.
MSMEs
UMKM Go Export
In addition to fostering Bakti Villages, the Bank, UMKM BCA Go Export is empowering 58 MSMEs
through its Bakti BCA and Commercial & SME from across Indonesia to access international
Banking Division program also facilitates Micro, markets, with a total export value reaching Rp37
Small, and Medium Enterprises (MSMEs) in acquiring billion by the end of 2024. With market research,
halal certification, expanding domestic and overseas strict curation, and intensive mentoring, the
markets, and supporting the export potential of program ensures that the MSMEs involved are
qualified MSMEs. ready to meet global market standards. BCA
also assists MSMEs in the transaction process
Bakti BCA Assisted MSMEs with potential international buyers at various
A total of 38 residents in the Assisted Villages are promotional events such as Trade Expo Indonesia.
MSME entrepreneurs who employ 268 local workers. Featured products such as cocoa powder and
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processed chocolate, processed fish, processed spices, nut products, furniture, and handicrafts are now
exported to countries such as Malaysia, Singapore, Thailand, China, Japan, United Arab Emirates, the
Netherlands, France, and Australia. The program also recorded a tenfold increase in business matching
(YoY), indicating its effectiveness in expanding international market access and creating strategic
opportunities for the assisted MSMEs.
3. Revitalization of Cikoneng Coffee Plantation
Bakti BCA provided guidance to 50 farmers from the Lestari Maju Bersama and Cikoneng Lestari farmer
groups, managing 10 hectares of land in Cikoneng, Tugu Utara, Cisarua, Bogor Regency. The support included
environmentally friendly agricultural practices such as organic fertilization, rorak (soil aeration) creation,
and post-harvest pruning, as well as the provision of infrastructure support including organic fertilizers,
pruning tools, grass cutting machines, and power sprayers, to enhance productivity and sustainability in
farming. Through this program, the sales of harvested cherry coffee exceeded Rp200 million annually.
Bakti BCA’s Assisted Villages and MSMEs Going Global
Bakti BCA's Assisted Villages and MSMEs are increasingly making their mark on the international scene through
participation in various global events. Doesoen Kopi Sirap introduced Indonesia’s distinctive coffee at three major
international festivals: the Amsterdam Coffee Festival in Netherlands, Singapore Coffee Week Festival, and the
Batik Pesisiran: Celebrating Nature in Batik Design From Java’s North Coast event. These events provided strategic
opportunities to expand market networks and showcase the unique flavors of local coffee to global consumers.
Kampung Batik Gemah Sumilir also successfully showcased its batik art on the global stage. Three batik fabrics
were displayed at the MARKK Museum in Hamburg for five months, becoming part of a global celebration of art
and culture. Additionally, seven of their batik pieces attracted the attention of the Hamburg community, with total
sales amounting to EUR 630 at the Batik Pesisiran: Celebrating Nature in Batik Design from Java’s North Coast
event. This initiative not only expanded the market for traditional batik but also reinforced batik’s position as a
culturally significant heritage in the international market.
1 2 3
4 5
6 7
1 & 2: Taro Village and Bilebante Village received Best Tourism Village 2023 Award from UN Tourism. | 3. Doesoen Kopi Sirap, Bakti BCA Village
participated in Singapore Coffee Week Festival. | 4 & 5: Bakti BCA Village participated in World Bank event. | 6 & 7: Desa Taro esteemed
craftsman collaborating with Tulola brand in Kawan Nusantara: The Dancer jewelry collection.
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Conservation of
Ecosystem
Bakti Lingkungan
Supporting Environmental and Biodiversity Conservation
Social and environmental responsibility is not only a moral obligation, but also a crucial part of our business
strategy to support sustainability. While BCA's operations are not directly associated with biodiversity or
sensitive areas, we remain committed to contributing to nature conservation to create a better future for the
next generation.
Tree Planting Program
As part of its commitment to environmental conservation, BCA has implemented a tree planting program
to absorb carbon dioxide (CO₂), increase water debit, protect wildlife ecosystems, and provide economic
benefits to local communities. In 2024, with the involvement of 463 local communities as active partners
in the planting and maintenance process, a total of 51,500 Multi Purpose Tree Species (MPTS) were planted
across four strategically chosen locations, tailored to the specific environmental needs of each area.
Planting Number of
Tree Species Environmental & Socio-economic Impact
Location Trees
Gambuhan Village, 15,000 Rubber Fig Tree, • Preventing landslides and maintaining the sustainability
Pemalang, Central Banyan, Bamboo, of the stream of Balekambang spring, the main source of
Java Avocado, Orange, drinking water for Pemalang and Tegal residents.
Coffee
• Development of agroforestry and ecotourism as sustainable
economic opportunities.
Buleleng, Bali 21,500 Cempaka Tree, • Restoring critical land in village forest areas, preserving
Majegau, Durian, ecosystems, and strengthening landscape protection.
Avocado, Coffee,
and others • Increasing groundwater recharge capacity, to address
water issues as one of the challenges faced by local
residents.
• Empowering forest farmer groups through productive
village forest management.
Cikondang Village, 14,000 Manglid Tree, • Creating animal corridors to provide safe passage for
South Garut Trembesi, wildlife such as Javan gibbons, monkeys, tigers, leopards
Avocado, Durian, and surili, to reduce conflict with humans at the edge of
and Jackfruit Leuweung Sancang Nature Reserve.
• Supporting dryland farming with productive agroforestry,
enabling farmers to increase yields while maintaining the
balance of nature.
Aceh Coast 1,000 Mangrove trees Restore damaged ecosystems, protect wildlife habitats
such as migratory birds and fish, and maintain the balance of
coastal ecosystems.
In addition to planting, BCA regularly monitors tree growth to ensure its environmental impact, collaborating
with expert partners to maintain the accuracy and credibility of the data. By 2024, trees planted between
2021 and 2024 have successfully absorbed 107.5 tons of CO₂e, with a survival rate of 91.7%.
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Estimated Carbon Absorption (tCO2eq)
MPTS Tree Planting
2024 2028 2033 2038
2021-2022* 57.05 1,327.75 3,576.13 5,335.22
2023* 25.87 2,686.20 6,146.99 9,073.85
2024 24.57 1,415.15 8,960.67 14,828.64
Total 107.49 5,429.10 18,683.79 29,237.71
* Estimated calculation based on the Carbon Atlas platform as of December 2024
Building Compost House and Composting Training
As part of its organic waste management efforts, BCA has partnered with the Balikpapan Forestry Office (KPHL)
to build a composting facility and conduct composting workshops in the Wisata Meranti area, Balikpapan.
Launched in late 2023, the program utilizes kiambang—an invasive local plant—and organic waste as key raw
materials. By 2024, 6,000 kg of organic waste had been processed into 3,000 kg of compost, benefiting
15 participants from farmer groups while providing compost for other members. This program has made a
significant contribution to environmental sustainability and community empowerment, as reflected in Wisata
Meranti’s recognition with multiple awards, including second place in the East Kalimantan Provincial Village
Tourism competition and the advancement of the Social Forestry Business Group (KUPS) from Silver to Gold.
Reverse Vending Machine (RVM)
In an effort to drive behavioral change in plastic waste management, BCA, in collaboration with Plasticpay,
introduced the Bakti BCA RVM. This machine simplifies the sorting of plastic bottle waste from other materials,
enhancing its recycling process. The RVM is further incentivized by a feature that converts collected points
into rupiah, encouraging greater community participation. With this approach, the RVM aims to foster more
responsible and sustainable waste sorting and management practices.
Three Bakti BCA RVM units were installed at the campuses of Bandung Institute of Technology and Padjadjaran
University, where over 1,000 members of the academic community actively engaged in sorting plastic bottle
waste throughout 2024. The strategic placement of these units on campus serves to raise awareness among
students, who play a key role as agents of change in promoting environmental consciousness within the
broader community. Additionally, two more RVM units were deployed in Bakti BCA-assisted villages, helping
maintain the cleanliness of tourism villages while educating and raising awareness about community waste
management.
The Bakti BCA RVM also featured prominently at BCA Expoversary 2024, where it was integrated with a coastal
ecosystem conservation initiative. For every 10 plastic bottles collected, one sea turtle egg was hatched and
released back into its natural habitat. As a result, more than 5,000 plastic bottles were collected, contributing
to both waste management and the preservation of marine life.
Achievements of Bakti BCA's RVM Program in 2024
55,722 5.3 tCO2eq
plastic bottles collected carbon absorption
through Bakti BCA RVM
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Protected Animal Conservation
1. Orangutan Rehabilitation and Reintroduction
Recognizing the importance of orangutan survival as an umbrella species in maintaining environmental
sustainability and biodiversity, since 2012 BCA has consistently supported orangutan conservation in
Indonesia through collaboration with the East Kalimantan Natural Resources Conservation Agency (BKSDA)
and the Borneo Orangutan Survival Foundation (BOSF), with a focus on rehabilitation, reintroduction, and
community education.
In 2024, BCA and BOSF officiated the completion of four artificial islands as temporary homes for
orangutans, preparing them for their return to nature. These islands also serve as sanctuaries for orangutans
that could not live freely in their natural habitat.
Education on the importance of orangutan conservation in 2024 was conducted through the “Student
Goes to Nature” (SGTN) program. This program invited elementary and junior high school students to visit
the orangutan conservation area in Samboja Lestari to learn firsthand about the importance of orangutans
to the ecosystem while being introduced to the concept of financial literacy.
Orangutan conservation program in 2024
5 orangutans 5 orangutans 4 artificial islands 200 students
rehabilitated reintroduced for pre-release of participated in STGN
orangutans program
2. Sea Turtle Conservation
Since 2016, BCA, in collaboration with Banyuwangi Sea Turtle Foundation (BSTF), has played an active
role in sea turtle conservation, including egg relocation, hatchling release, sea pandanus planting, and
education for the community and students. In 2024, BCA and BSTF launched the “Intan Ruang” innovation,
the first sandless incubator in Indonesia with a capacity of 15,000 eggs. This technology not only enhances
hatching efficiency but also allows for temperature control, which helps regulate the sex of the hatchlings.
This adjustment is crucial for maintaining a balanced ratio of male and female turtles in the wild, which is
key to ensuring the sustainability of turtle populations amid the challenges of climate change.
BCA also supports the development and improvement of infrastructure at two new conservation sites: Goa
Cemara Beach in Yogyakarta and Kerobokan Beach in Bali. The infrastructure development at Goa Cemara
Beach incorporates recycled concrete blocks made from used cards, aligning with the eco-friendly
concept.
In 2024, a total of 17,531 eggs were successfully relocated from 171 nests, with 15,003 hatchlings released
to their habitat. In addition, 273 students in Banyuwangi have been educated on the importance of
biodiversity sustainability.
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3. Java-Wide Leopard Survey (JWLS)
In 2024, BCA, in collaboration with the Ministry of Forestry and Save the Indonesian Nature and Threatened
Species (SINTAS), began a Java leopard conservation initiative in Bromo Tengger Semeru National Park
(TNBTS). The initiative is part of a national survey of Javan leopards known as the Java-Wide Leopard
Survey (JWLS). The first phase included the installation of 40 surveillance cameras to monitor leopard
presence and movements. More than 85,000 footage were recorded, including images and videos of the
Javan leopard's activities in its habitat. The monitoring results also revealed challenges that emphasizes
and hunting activities in several spots, emphasizing the urgency of leopard habitat protection activities. In
addition, 15 excrement samples were collected for analysis along with other documentation to provide a
detailed insight into the population, distribution, as well as prey preferences of Javan leopards. This study
provides a strategic foundation for developing a Conservation Strategy and Action Plan (CSAP) to support
the sustainability of leopard and ecosystem conservation.
Environmental Complaints [413-2]
BCA is committed to contributing to environmental conservation through various environmental responsibility
programs. In 2024, BCA did not receive any complaints related to environmental impacts as a result of its
banking activities.
1 2 3
4 5
Property of Ministry of Forestry, SINTAS Indonesia, and BCA.
1. Seaturtle release in Banyuwangi Beach with BSTF. | 2. Intan Ruang innovation, a sandless turtle incubator room with a capacity of 15 thousand
eggs. | 3. Bakti BCA tree seedlings planting. | 4. Initial survey on the conservation of Javan leopards in Bromo Tengger Semeru National Park.
| 5. Pre-release of orangutans on the artificial island of Samboja Lestari, East Kalimantan with BOSF.
2024 Sustainability Report PT Bank Central Asia Tbk 127
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Program Impact
Evaluation and Measurement [413-1]
BCA strives to create impact and added value to the wider community through its Bakti BCA programs.
Continuous evaluation of the impact of the Bakti BCA program aims to measure the room for development
and continuous improvement of the program quality. In 2023, BCA used the contribution analysis method
conducted by independent experts to assess the results and impact of various Bakti BCA programs in Focus
Group Discussions (FGDs) with relevant parties. The CA for Bakti BCA's program has been presented in the
2023 Sustainability Report.
In 2024, BCA conducted a Social Return on Investment (SROI) evaluation of one of its flagship programs,
community development at BCA Tourism Village. SROI measurement was conducted for 4 tourism villages:
Kampung Warna Warni Tigarihit and Malangga Tourism Villages by the Institute for Sustainability and Agility,
a member of the UN Global Compact, and Nagari Silokek Tourism Village and Kampung Adat Nagari Sijunjung
Tourism Village by the Centre for Entrepreneurship, Change, and Third Sector (CECT). The SROI was measured
by calculating the monetary value of the impact created in social, environmental, and economic aspects to
stakeholders, including beneficiaries, assisting partners, local government, and the Company.
Through SROI analysis, Bakti BCA's activities in providing training, publications, infrastructure assistance,
mentoring, and monitoring in Malangga Tourism Village and Kampung Warna Warni Tiga Rihit Tourism Village
have an impact on increasing the knowledge and skills of beneficiaries which affects the increase in income,
quality of life, and good relations among Tourism Village residents, as well as saving costs for education and
government programs. The calculation of the SROI value based on this assessment is as follows:
BCA Assisted Tourism Village SROI Score Remark
Malangga Tourism Village 2.43 Every Rp1 of the Company's investment generated a social value
of Rp2.43 for the program at Malangga Tourism Village
Kampung Warna Warni Tiga Rihit 2.32 Every Rp1 of the Company's investment generated a social value
Tourism Village of Rp2.32 for the program at Kampung Warna Warni Tiga Rihit
Tourism Village
Kampung Adat Nagari Sijunjung 2.02 Every 1 rupiah of the Company's investment generated a social
Tourism Village value of 2.02 rupiah for the program at the Kampung Adat Nagari
Sijunjung Tourism Village
Nagari Silokek Tourism Village 1.57 Every 1 rupiah of the Company's investment generated a social
value of 1.57 rupiah for the program at the Nagari Silokek Tourism
Village
The results of the evaluation of Bakti BCA program are used as an essential reference in developing the
company's strategy to increase its impact. The evaluation enables BCA to identify factors that play a crucial
role in achieving sustainability goals, and to formulate more targeted measures. With a deeper understanding
of the contributions made, BCA can continue to strengthen its role in supporting the advancement of society
and the environment, while ensuring that every initiative is oriented towards achieving long-term sustainable.
Community Grievance Mechanism
We have built a good relationship with the general public until today, including the beneficiaries of Bakti
BCA programs. We have been open to criticism and suggestions from the public. The community grievance
mechanism is available at Halo BCA. During the reporting period, BCA did not receive any public complaints
related to Bakti BCA programs. However, we have received useful suggestions to continuously improve and
develop the programs.
128 PT Bank Central Asia Tbk 2024 Sustainability Report
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O6
A Brief of
n ability
Sus ta i
Re p or t
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A Brief of Sustainability Report
Report Profile [2-2, 2-3, 2-4, 2-5] banking sector. The verification process is conducted
The 2024 Sustainability Report of PT Bank Central with independence in mind. To ensure there is no
Asia Tbk (BCA) is prepared based on an annual conflict of interest, vendor selection is conducted
period and is a continuation of the previous report independently. The appointment of this independent
published on This report refers to a number of party is monitored and approved by BCA's Director
national and international regulations/guidelines as of Finance and Corporate Planning.
a form of transparency of BCA's efforts to integrate
sustainability into its operations and strategies. Assurance verification of BCA's Sustainability Report
These regulations/guidelines include: was conducted by SR Asia Indonesia using the AA1000
• Financial Services Authority Regulation (POJK) AS Standard (V3), Type II, with a moderate level. The
No. 51/POJK.03/2017 on the Implementation of process involved verification and confirmation of data
sustainable finance. by all relevant contributors, as well as senior officers
• Global Reporting Initiative (GRI) Standards from relevant functions. The results of this verification
2021, with option: “in accordance with the GRI are included in the report in the form of an independent
Standards”. statement on the assurance process undertaken.
• GRI-G4 Sector Disclosures: Financial Sector
Supplement Disclosures (FSSS). Feedback on Previous Year’s Report
• Sustainability Accounting Standard Board (SASB) BCA regularly receives evaluation and feedback on
for the Commercial Bank category. its sustainability performance from various parties,
• Sustainable Banking Assessment (SUSBA) by such as investors, rating agencies, regulators, and
the World Wide Fund for Nature (WWF), which other stakeholders. Some of the issues that have
measures the integration of Environmental, Social, drawn attention include increasing green financing,
and Governance (ESG) aspects. strategies to mitigate financial risks related to
• ASEAN Corporate Governance Scorecard (ACGS). climate change, disclosure of GHG emissions from
financing activities, and the Bank's commitment
This Sustainability Report covers relevant data and to a low carbon economy. BCA's management has
information from the period January 1 to December responded and followed up on these concerns
31, 2024. The data used is collected from BCA's in stages, and has included its responses in this
operational activities, while financial data is sourced Sustainability Report.
from the consolidated financial statements covering
BCA and all of its subsidiaries, including PT BCA Contact [2-3]
Finance, BCA Finance Limited, PT Bank BCA Syariah,
PT BCA Sekuritas, PT BCA Multi Finance (merged with
Company Website: Call Center:
PT BCA Finance as of September 1, 2024), PT Asuransi
Umum BCA (BCA Insurance), PT Asuransi Jiwa BCA www.bca.co.id/en Halo BCA 1500888
(BCA Life), PT Central Capital Ventura (CCV), and PT www.klikbca.com
Bank Digital BCA (BCA Digital).
Corporate Communication,
As part of the preparation process for this report, Investor Relations, Environment
the previous year's data is also restated. All data and Sustainabiiility Governance (ESG)
information used in the report have been reviewed
Menara BCA, 20th Floor
and validated by the relevant work units and approved
Grand Indonesia
by the Directors and Board of Commissioners, prior
Jl. M.H. Thamrin No.1
to publication.
Jakarta 10310, Indonesia
Tel. (62-21) 2358 8000
Independent Party Verification Fax. (62-21) 2358 8300
BCA appointed an independent party with E-mail: corcom_bca@bca.co.id;
expertise in sustainability report assurance and an investor_relations@bca.co.id
understanding of the sustainability context in the esg_group@bca.co.id
130 PT Bank Central Asia Tbk 2024 Sustainability Report
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Support and
Contribution to SDGs
BCA consistently supports the achievement of all Sustainable Development Goals (SDGs), by contributing
to various sectors in accordance with the company's business and capacity. BCA mainly focuses on several
areas that align with the company's vision and mission.
Primary Support to SDGs
Goal 2024 Achievement Strategy 2025 Target
• Zero major accidents in the • Providing health education through • Zero major accidents in the
workplace health campaigns workplace
• 1,010 cataract surgery patients • Conducting social service • Ensuring all employees have
• 13,620 people received activities become members of BPJS and
general medical treatment & • Educating public about health private health systems
contraceptive services through through seminars or webinars • Conducting regular health
BCA-assisted clinics education and campaigns
• 2,211 blood bags from employee • Carrying out social services for
blood donation program cataract surgery and assisted
• 4,238 children under five receive clinics
nutrition intervention through the • Conducting employee blood
PASTI program donations
• 97.3 % of employees received • Developing e-learning programs, • 40% BCA employees received
training in-class training, and collaborate advanced SF training
• 162 employees received with educational institutions • Implementing Bakti BCA
undergraduate and master's • Selecting and providing Scholarship Program
degree scholarships scholarships to students according • Implementing PPBP and PPTI
• 2,196 relevant employees attended to the criteria as well as facilitating programs
sustainable finance training soft skills training. • BCA employees received training
• 700 students received Bakti BCA • PPBP strategy: recruit and conduct and education programs
Scholarship dissemination to leading high • Organizing regular Cultural
• 572 participants of PPBP and PPTI schools/vocational schools across Preservation Award Program
• >230,000 people (including Indonesia
students and university students) • Organizing intensive training
received financial literacy on blended learning and soft
education skills training for teachers with
• Organizing Indonesia Knowledge competition methods
Forum (IKF) 2024 • Organizing financial literacy
education nationwide that has a
positive impact in accordance
with OJK SNLKI by prioritizing
volunteer programs carried out by
employees
• 61.4% of female employees from • Implementation of the Collective • No remuneration gap between
total employees were promoted Labor Agreement (CLA) in the female and male employees
• 16.7% of women occupied Director Preamble section and article 59 • Zero cases of violation of equal
positions paragraph 2 letter i on equal rights rights and discrimination against
• 61.4% female employees occupied and no discrimination of any kind is employees
middle-up manager positions allowed against employees • Zero reports of discrimination
• Providing equal opportunities in against customers
career advancement to managerial • Maintaining an equal percentage
level or higher of female and male employees
• Providing training and assignments in the opportunity to occupy
to women weavers to improve life managerial level positions
skills/welfare
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Goal 2024 Achievement Strategy 2025 Target
• 12.5% increase in sustainable • Mapping out mitigation strategies • Conducting Climate Risk Stress
finance portfolio to reduce CO2 emissions in BCA's Testing for 100% of financing
• 27 buildings utilize solar panels buildings gradually portfolio
• Operational emission covers 100% • Developing adaptive behavior in • 8% increase in Sustainable
of BCA Head Office, Data Center, smart buildings, the application Financing portfolio, including
and Branch Offices. of environmentally friendly environmentally friendly debtors
• 78 Branch offices applying green technology, and sustainable • Replacing R22 to R32 air
building features culture conditioners in branches
• Conducting GHG inventory of • Lending to debtors with • Installation of solar panels in
scope 3 financed emissions environmentally friendly buildings owned by BCA
• Conducting Climate Risk Stress businesses • Reducing paper usage by 3% in
Testing (CRST) Head Office work units
• 1,969 people recruited as BCA • Creating job opportunities to • Increase in KUR disbursement by
employees support BCA digitalization and 6%
• Remuneration of employees relationships • Increase in MSME financing by 6%
at the lowest level in Jakarta is • Developing the role and • Consistent implementation of
higher than the Jakarta Provincial capabilities of BCA's frontliners Occupational Health and Safety
to provide more comprehensive (no major incidents in the work
Minimum Wage
solutions to customers environment)
• 1,213 workers in 14 Bakti BCA • Expanding channeling cooperation • Hiring employees and Bakti BCA
assisted villages with anchors Interns
• 268 MSME workers • Providing guidance and assistance • Organizing UMKM Fest
• 3,982 interns recruited through the for Branch Offices in KUR
Bakti BCA program disbursement
• 11.9% increase in MSME financing • Expanding the line of business
• Rp784 billion KUR realization financed by KUR
• Workshop for MSME for Go Export • Mapping of banking services to
• Facilitate MSME entrepreneurs for people who are categorized as
halal certification unbankable
• Collaborating with village
• More than 1,500 MSME sellers
administrators, local communities,
joined UMKM Fest and local government
• Recruiting prospective Bakti BCA
interns
• 4.88 Branch Service Quality (BSQ) • Developing digital innovation • Minimum BSQ Index 4.5
index on a scale of 5 • Implementing machine learning • Minimum CE Index 4.5
• 4.77 Customer Engagement (CE) and artificial intelligence • Zero major frauds
index on a scale of 5 • Implementing Data Loss • Zero complaints related to data
• 4.7 million new accounts through Prevention (DLP) and two-factor privacy and security
digital banking bringing total authentication systems for
accounts to 40.7 million securing electronic information
• Educating and conducting
dissemination on data security and
digital banking to customers
• Meeting compliance indicators • Evaluation of all business activities • Fullfilling compliance indicators
including Minimum Capital in compliance with regulations • Zero report of corruption
Adequacy (CAR), Net Non- • Ensuring the effectiveness of the committed by the company
Performing Loan (NPL), Maximum whistleblowing system • Minimum bank soundness level is 2
Legal Lending Limit (LLL), Rupiah • Implementing good corporate • No material and significant legal
& Forex Statutory Reserves governance cases and/or disputes with
(GWM), Macroprudential Liquidity • Complying with laws and customers
Buffer (PLM), Net Open Position regulations on capital market • Conducting business risk and
(NOP), Macroprudential Inclusive • Adopting relevant best practice human rights due diligence with
Financing Ratio (RPIM), and standards independent parties
Liquidity Coverage Ratio (LCR). • Issuing a policy of non-
• The bank's soundness level is 1 discrimination in the workplace
• All employees have signed an • Zero corruption cases/reports
integrity pact • Compliance risk at “low to
• All employees have signed code of moderate” level
conduct • All employees sign integrity pact
• All employees of echelon 5 and and code of ethics
above have signed the annual • All employees of echelon 5
disclosure and above must sign an annual
• Zero corruption cases disclosure
• Conducting business risk and
human rights assessment (PRISMA)
from the Ministry of Law and
Human Rights
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Contribution to Other SDGs
Goal Supporting Activities
• Providing wages/salaries in compliance with government regulations
• Providing interest-free loan facilities for a certain nominal amount to BCA employees
• Open job opportunities for worker and internship program in the Bakti BCA program
• Registering employees with BPJS Employment
• Disbursing financing to smallholder agricultural businesses
• Supporting the stunting reduction program (Partnership to Accelerate Stunting Reduction in Indonesia)
• Disbursing financing to clean water management and wastewater treatment businesses
• Providing assistance for sanitation
• Shuttle bus facilities to employees at BLI-Sentul
• Assistance in infrastructure development programs, public facilities and social facilities of the government, as well
as BCA-assisted villages
• Establishing a household waste recycling program for BCA employees
• Changing the use of HVS paper from 80 gsm to 75 gsm
• Initiative to turn off lights in work areas during lunch hours
• Using digital sign to reduce paper usage in internal documents approval process
• Working with vendors to manage solid waste
• Planting a total of 51,500 trees in 4 strategic locations, including planting 1,000 mangrove seedlings on the coast
of Aceh
• Conducted training that successfully managed 6,000 kg of organic material into 3,000 kg of compost
• Collaborating with BOSF for orangutan protection and tree planting monitoring
• Collaborating with Nusantara Institute and SENA WANGI for activities to preserve the Indonesian art, culture and
traditions
• Collaborating with SPBK Perdami, the Health Agency, Bakti Media Clinic, and Duri Utara Clinic to support the
community's health promotion
• Collaborating with the Indonesian Natural Dye Association (WARLAMI) for the development of natural dye
• Collaborating with Save the Indonesian Nature and Threatened Species (SINTAS) to conduct the initial phase of
Javan leopard conservation.
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Approval Sheet of the Board of Commissioner and the Board of Director
on the 2024 Sustainability Report of PT Bank Central Asia Tbk
We, the undersigned, hereby declare that all information in the Sustainability Report of PT Bank Central Asia
Tbk for the year 2024 has been presented in its entirety and that we assume full responsibility for the accuracy
of the contents of this Sustainability Report in compliance with POJK No. 51/POJK.03/2017.
This statement is duly made in all integrity.
Jakarta, February 2025
Members of the Board of Commissioners
Djohan Emir Setijoso
President Commissioner
Tonny Kusnadi Cyrillus Harinowo Raden Pardede Sumantri Slamet
Commissioner Independent Commissioner Independent Commissioner Independent Commissioner
Members of the Board of Directors
Jahja Setiaatmadja Armand Wahyudi Hartono Gregory Hendra Lembong
President Director Deputy President Director Deputy President Director
Subur Tan Rudy Susanto Lianawaty Suwono
Director Director Director
Santoso Vera Eve Lim Haryanto Tiara Budiman
Director Director Director
Frengky Chandra Kusuma John Kosasih Antonius Widodo Mulyono
Director Director Director
134 PT Bank Central Asia Tbk 2024 Sustainability Report
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Independent Assurance Statement
The 2024 Sustainability Report of PT Bank Central Asia Tbk
Number : 01/000-758/I/2025/SRAI
Assurance Type : Type 1 and Type 2 for the specific topic of Customer Data Protection and
Information System Resilience, Responsible Financing, Service Excellence,
and Community Development
Assurance Level : Moderate
Reporting Standards : GRI Universal Standard 2021 Consolidated, GRI G4 Financial Services Sector
Supplement, Sustainability Accounting Standard Board (SASB) Financial
Sector Commercial Banks, and Sustainable Banking Assessment (SUSBA) and
ASEAN Corporate Governance Scorecard (ACGS)
Reporting Regulation : Otoritas Jasa Keuangan Regulation (POJK) Number 51/ POJK.03/2017
and SEOJK No. 16/SEOJK.04/2021
Dear stakeholders,
PT Sejahtera Rambah Asia is issuing an Independent Assurance Statement (“the Statement”) of the
2024 Sustainability Report (“the Report”) of PT Bank Central Asia Tbk (“the Bank” or “the Reporting
Organization”). The Reporting Organization a local commercial bank in Indonesia located in Jakarta.
The Report presents the commitment and efforts of the Bank in managing its sustainability
performance for the reporting period of January 1st to December 31st, 2024. As agreed with
Management, PT Sejahtera Rambah Asia’s responsibility is to make an assessment based on the data
and content of the Report for the year.
Intended User and Purpose
The purpose of the Statement is to present our opinion including the findings and recommendations
based on the results of assurance work to the Bank’s stakeholders. The Assurance Team in accordance
with specific procedures and a specific scope of work carried out the assessment. Except for the areas
covered in the scope of the assurance, we encourage all NOT to solely interpret the Statement as the
basis to conclude the Bank’s overall sustainability performance.
Responsibilities
Our responsibilities to the Management are to evaluate the Report content, come up with findings and
recommendations, and issue the Statement. We are also responsible for coming up with conclusions
and recommendations based on the agreed standards, methods, and approaches. Hence, PT Sejahtera
Rambah Asia is only evaluated for the latest received editorial and data on the final draft as of January
30th, 2025. PT Sejahtera Rambah Asia is only responsible for delivering assurance work, NOT an audit,
by following the Non-Disclosure Agreement, the Assurance Engagement Agreement, Representation
Letter, and Subsequent Event Testing. The Management has its sole responsibility for the presentation
of data, information, and disclosures in the Report content. Therefore, any parties who depend on the
Report and this Statement shall bear and manage their risks.
Independence, Impartiality, and Competency
PT Sejahtera Rambah Asia confirms NO relationships between the assuror team and the clients that
can influence their independence and impartiality to conduct the assessment and generate the
Statements. The assuror team is mandated to follow a particular assurance protocol and professional
ethical code of conduct to ensure their objectivity and integrity. We carried out a pre-engagement
PT Sejahtera Rambah Asia Independent Assurance Statement, version 2025, page 1 of 4
2024 Sustainability Report PT Bank Central Asia Tbk 135
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assessment before the assurance work was taken to verify the risks of engagement as well as the
independence and impartiality of the team. The assuror team members have knowledge of ISO 26000,
AA1000 AccountAbility standards and principles, and also have experience in sustainability report
assessment based on various reporting regulations, standards, and principles.
Type and Level of Assurance Service
1. Type 1 assurance on the Report content
2. Type 2 assurance on Customer Data Protection and Information System Resilience, Responsible
Financing, Service Excellence, and Community Development.
3. A moderate level of assurance to the procedure on the Report content and evidence, where the
risks of information and conclusions of the Report being error is reduced, but not to very low, but
not zero.
Scope and Limitation of Assurance Service
1. Data and information in the Report for the period of January 1st to December 31st, 2024.
2. Material topics presented in the Report: Customer Data Protection and Information System
Resilience, Responsible Financing, Service Excellence, Community Development, Work Culture
and Human Rights, Climate Action, Anti-corruption and Anti-fraud, and Accessibility and
Affordability.
3. Evaluation of publicly disclosed information, system, and process of the Bank to ensure adherence
of the Report content to the reporting principles.
4. PT Sejahtera Rambah Asia does NOT include financial data, information, and figures in the Report
content. We assumed that the Bank, independent parties, or other parties associated with the
Bank have verified and/or audited financial statements, data, and information.
5. Adherence to the reporting principles, standards, and regulations of POJK Number
51/POJK.03/2017 and SEOJK No. 16/SEOJK.04/2021, GRI Standard 2021 Consolidated, GRI
Financial Services Sector Supplement, Sustainability Accounting Standard Board (SASB) Financial
Sector Commercial Banks, Sustainable Banking Assessment (SUSBA) , and ASEAN Corporate
Governance Scorecard (ACGS).
Exclusion
1. The expression of opinion, belief, expectation, advertisement, and also forward-looking
statements, including future planning of the Bank as specified in the Report content.
2. Analysis or assessment against regulations, principles, standards, guidelines, and indicators other
than those indicated in the Statement.
3. Topics, data, and information outside the reporting period, or in the public domain not covered
in the reporting period.
4. Financial performance data and information as presented in the Bank’s financial statements and
documents, other than those mentioned in the Report.
Methodology and Source Disclosure
1. Form an Assurance Team whose members are capable in sustainability report development and
assurance.
2. Perform the pre-engagement phase to ensure the independence and impartiality of the Assuror
Team.
3. Hold a kick-off meeting and initial analysis of the Report draft based on the PT Sejahtera Rambah
Asia Protocol on Assurance Analysis refers to the standards, principles, and indicators of AA1000AS
v3, AA1000APS (2018), and standards/regulations used in the Report.
PT Sejahtera Rambah Asia Independent Assurance Statement, version 2025, page 2 of 4
136 PT Bank Central Asia Tbk 2024 Sustainability Report
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4. Discuss online the results of the analysis with the Management and data contributors.
5. Verify evidence and trace data and information as covered in the Report.
6. The Bank incorporated our recommendations in the draft Report and release the final Report
content.
7. Prepare the Statement and send it to AA1000 AccountAbility for review to get approval before
submitting it to the Bank.
8. Prepare a Management Letter detailing all aspects seen, recorded, and observed during the
assurance to the Management of the Bank for further improvement of sustainability processes.
Adherence to AA1000AP (2018) and GRI Universal Standards
Inclusivity – The Report content outlines the Bank's implementation to stakeholder engagement by
involving them in exploring significant issues and determining material topics. The Bank has
demonstrated inclusivity through various initiatives, such as conducting stakeholder engagement
sessions, addressing key interests of different stakeholder groups, and integrating their feedback into
strategic decisions. Efforts include financial literacy programs, sustainable finance initiatives,
workforce inclusion, and supplier engagement policies. Stakeholder expectations and concerns have
been identified through regular interactions, ensuring that their input contributes to corporate
decision-making.
Materiality – The Bank has implemented a structured and comprehensive approach in identifying and
prioritizing material topics for this reporting period. The process integrates both internal and external
stakeholder insights, reflecting key concerns from employees, customers, investors, regulators, and
business partners. Prioritization of material topics has been determined through engagement
activities, in-depth interviews, and quantitative assessments, ensuring relevance and alignment with
the Bank’s sustainability strategy. Overall, the materiality assessment process is well-integrated,
effectively identifying material topics.
Responsiveness – The Bank maintains robust mechanisms for reporting violations of ethics, fraud,
corruption, and other misconduct through its whistleblowing system (WBS). The system ensures
transparency by allowing reports to be submitted via the Bank’s website while safeguarding the
confidentiality of whistleblowers. WBS reports are validated using the 4W1H principle and managed
by the designated administrator for further assessment. Additionally, the Bank's commitment to
handling customer concerns is demonstrated through its HaloBCA complaint management system,
which follows a Service Level Agreement (SLA) to ensure timely resolutions.
Impact – The Bank continues its commitment to fostering economic development by supporting
financial literacy programs aimed at improving financial management skills within communities. The
Bank's sustainability-linked loan (SLL) schemes cater to debtors engaged in sustainable resource
management, eco-friendly transportation, and energy-efficient product development. Additionally,
community investment initiatives continue to create tangible social and economic benefits for multiple
regions across the country. In governance, the Bank has maintained its zero data breach record,
reinforcing its commitment to strong cybersecurity and data protection measures.
Statement of Use: “In Accordance to the GRI Standards” – We evaluated the Report content according
to the GRI Universal Standards principles, disclosures, and requirements for reporting. The Bank has
complied with nine requirements: apply the reporting principles, report the disclosures in GRI 2:
General Disclosures 2021, determine material topics, report the disclosures in GRI 3: Material Topics
2021, report disclosures from the GRI Topic Standards for each material topic, provide reasons for
PT Sejahtera Rambah Asia Independent Assurance Statement, version 2025, page 3 of 4
2024 Sustainability Report PT Bank Central Asia Tbk 137
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omission for disclosures and requirements that the organization cannot comply with, publish a GRI
content index, provide a statement of use, and notify GRI.
GRI Standards Principles – As the assurance work was taken, the report content sufficiently indicates
its adherence to sustainability reporting principles (accuracy, balance, clarity, comparability,
completeness, sustainability context, timeliness, and verifiability). The Management provide adequate
support during the assurance work by submitting evidence/documents as requested.
Type 2 Assurance – The Bank continues to implement good governance and sustainability practices
that create impacts across key material topics. To strengthen Customer Data Protection and
Information System Resilience, the Bank has reinforced its cybersecurity framework by
implementing role-based access controls, penetration testing, security incident simulations, and
real-time database monitoring, ensuring compliance with SEOJK 29, ISO 27001:2022, and PCI DSS
standards. The Bank's Responsible Financing approach integrates ESG risk assessments, sector-
specific financing policies, and sustainable credit growth strategies, with oversight from the Credit
Committee to ensure responsible lending and compliance with regulatory frameworks. For Service
Excellence, the Bank maintains a structured customer complaint management system with defined
SLA, real-time tracking through the HaloBCA CRM platform, and customer satisfaction assessments
via Gallup International’s Customer Engagement Score, Customer Satisfaction Index, and Net
Promoter Score, ensuring continuous service improvements. In Community Development, the Bank
applies SROI and contribution analysis to measure long-term program impact while collaborating
with local governments, universities, and third-party organizations to support financial literacy,
MSME empowerment, and rural development initiatives. The Bank is enhancing internal
governance, regulatory compliance, and continuous sustainability improvements.
Recommendation
1. To disclose the effectiveness of stakeholder engagement initiatives and demonstrating how
stakeholder feedback directly influences corporate policies.
2. To outlining how senior management and cross-functional teams are involved in overseeing,
reviewing, and integrating materiality assessments into corporate strategy and risk management.
3. To enhance disclosures on long-term impact evaluations, for example, tracking improvements in
financial inclusion, reductions in environmental footprint, or benefits to MSMEs.
4. To set and disclose GHG emission reduction targets for the short, medium, and long term.
5. To establish and communicate commitments towards sustainability performance targets for the
next period
The assurance provider,
Jakarta, January 30th 2025
Lim Hendra
Assurance Director of
PT Sejahtera Rambah Asia
PT Sejahtera Rambah Asia Independent Assurance Statement, version 2025, page 4 of 4
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POJK Number 51/POJK.03/2017 Reference,
GRI Standards, SASB, and SUSBA Indices
Financial Services Authority Regulation (POJK)
Number 51/POJK.03/2017 - Financial Services Authority Circular
Letter (SEOJK) Number 16/SEOJK.04/2021
Index
Description Page
Number
Sustainability Strategy
A.1 Explanation of Sustainability Strategy 32-33
Performance Overview on Sustainability Aspects
B.1 Economic Aspects 24-25
B.2 Environmental Aspects 26
B.3 Social Aspects 27
Company Profile
C.1 Vision, Mission and Values of Sustainability 32-33
C.2 Company Address 29
C.3 Business Scale 30
C.4 Products, Services, and Business Activity 29
C.5 Membership of Association 31
C.6 Significant Changes 31
Board of Director Statement
D.1 Board of Director Statement 17-22
Sustainability Governance
E.1 Responsible Party related to Sustainable finance Implemention 34-36
E.2 Competency Development related to Sustainable finance 36-37
E.3 Risk Assessment for the Application of Sustainable finance 47-48
E.4 Stakeholder Engagement 38-39
E.5 Problems Encountered on Sustainable finance 37
Sustainability Performance
F.1 Building a Sustainability Culture 34
Economic Performance
F.2 Comparison of Targets and Production Performance, Portfolio, Financing Targets, or Investments,
54
Income as Well as Profit and Loss
F.3 Comparison of Target and Portfolio Performance, Financing Targets, or Investments in Financial
56-58
Instruments or Projects That are in line with the Implementation of Sustainable finance
Environmental Performance
General Aspects
F.4 Environmental Costs 26
Material Aspects
F.5 Usage of Environmentally Friendly Materials 72
Energy Aspects
F.6 Amount and Intensity of Energy Consumed 71
F.7 Efforts and Achievement for Energy Efficiency and Renewable Energy Usage 71
2024 Sustainability Report PT Bank Central Asia Tbk 139
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Index
Description Page
Number
Water Aspects
F.8 Water Usage 72
Biodiversity Aspects
F.9 Impacts from Operational Areas that are Near or Located in Conservation Areas or Have Biodiversity 124
F.10 Biodiversity Conservation Efforts 124-127
Emission Aspects
F.11 Amount and Intensity of Emissions Generated by Type 69-70
F.12 Efforts and Achievements Made for Emission Reduction 70-74,
124 - 125
Waste and Effluent Aspects
F.13 Amount of Waste and Effluent Generated by Type 73-74
F.14 Waste and Effluent Management Mechanism 73-74
F.15 Occurring Spills (if any) 72
Complaints Related to the Environment Aspects
F.16 Amount and Material of Environmental Complaints Received and Resolved 127
Social Performance
F.17 Commitment to Provide Services on Equal Products and/or Services to Consumers 78, 81-82
Employment Aspects
F.18 Equal Employment Opportunities 92, 102
F.19 Child Labor And Forced Labor 107
F.20 Regional Minimum Wage 102-103
F.21 A Decent and Safe Work Environment 103-105
F.22 Training and Development of Employee Skills 98-100
Community Aspects
F.23 Operations Impacts on Surrounding Communities 128
F.24 Community Complaints 128
F.25 Corporate Social Responsibility (CSR) Activities 112-127
Responsibility for Sustainable Product/Service Development
F.26 Innovation and Development of Sustainable finance Products/Services 76
F.27 Products and Services that the Safety have been Evaluated for Customers 76
F.28 Products/Services Impacts 59, 76
F.29 The Number of Products Withdrawn 76
F.30 Customer Satisfaction Survey of Sustainable finance Products and/or Services 80
Others
G.1 Written Verification from Independent Parties (if any) 135-138
G.2 Feedback Form 147
G.3 Responses to Previous Year’s Sustainability Report Feedback 130
G.4 List of Disclosures According to Financial Services Authority Regulation Number 51/POJK.03/2017
concerning Implementation of Sustainable finance for Financial Services Institutions, Issuers, and 139-140
Public Companies
140 PT Bank Central Asia Tbk 2024 Sustainability Report
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GRI Content Index
Statement of use PT Bank Central Asia Tbk has submitted information in accordance with the GRI Standards for
the period January 1 to December 31, 2024.
GRI 1 used GRI 1: Fondation 2021
Applicable GRI Sector Standard(s) N/A
Omission
GRI Sector
GRI Standard Indicator Disclosure Location Requirement(s) Standard
Reason Explanation Ref.No
Omitted
General Disclosure
GRI 2: General 2-1 Organizational details 29,30
Disclosures
2-2 Entities within the organization’s 130
2021
sustainability reporting
2-3 Reporting period, frequency and 130
contact
2-4 Restatements of information 130
2-5 External assurance 130
2-6 Activities, value chain and other 31
business relationships
2-7 Employees 92
2-8 Workers who are not employees 94
2-9 Governance structure and 35
composition
2-10 Nomination and selection of the Annual
highest governance body Report
2-11 Chair of the highest governance
body
2-12 Role of the highest governance 35,36
body in overseeing the
management of impacts
2-13 Delegation of responsibility for 34
managing impacts
2-14 Role of the highest governance 36,40
body in sustainability reporting
2-15 Conflicts of interest
2-16 Communication of critical
concerns
2-17 Collective knowledge of the
highest governance body
Annual
2-18 Evaluation of the performance of
Report
the highest governance body
2-19 Remuneration policies
2-20 Process to determine
remuneration
2-21 Annual total compensation ratio
2-22 Statement on sustainable 32,33,34
development strategy
2-23 Policy commitments 33,36,63,65
2-24 Embedding policy commitments 33,34,35,36
2-25 Processes to remediate negative 79,84
impacts
2-26 Mechanisms for seeking advice Annual
and raising concerns Report
2-27 Compliance with laws and 49
regulations
2-28 Membership associations 31
2-29 Approach to stakeholder 38
engagement
2-30 Collective bargaining 101
agreements
2024 Sustainability Report PT Bank Central Asia Tbk 141
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Omission
GRI Sector
GRI Standard Indicator Disclosure Location Requirement(s) Standard
Reason Explanation Ref.No
Omitted
Material Topics
GRI 3: 3-1 Process to determine material 40
Material topics
Topics 2021
3-2 List of material topics 40, 41
Material Topic : Customer Data Protection and Information System Resilience
GRI 3: 3-3 Management of material topics 42
Material
Topics 2021
GRI 418: 418-1 Customer complaints related 84
Customer to customer privacy and loss of
Privacy 2016 customer data
Material Topic : Responsible Financing
GRI 3: 3-3 Management of material topics 42
Material
Topics 2021
GRI 201: 201-1 Direct economic value generated 54
Economic and distributed
Performance
2016
Material Topic : Climate Action
GRI 3: 3-3 Management of material topics 42
Material
Topics 2021
GRI 201: 201-2 Financial implications due to 60,62,64
Economic climate change
Performance
2016
GRI 305: 305-1 Direct (Scope 1) GHG emissions 68,69,70
Emissions
2016
305-2 Energy indirect (Scope 2) GHG 68,69,70
emissions
305-3 Other indirect (Scope 3) GHG 68,69,70
emissions
Material Topic : Service Excellence
GRI 3: 3-3 Management of material topics 42
Material
Topics 2021
Material Topic : Anticorruption and Anti-fraud
GRI 3: 3-3 Management of material topics
Material
Topics 2021
GRI 205: Anti- 205-1 Operations assessed for risks 51
corruption related to corruption
2016
205-2 Communication and training 51
about anti-corruption policies
and procedures
205-3 Confirmed incidents of 52
corruption and actions taken
Material Topic : Work Culture and Human Rights
GRI 3: 3-3 Management of material topics 42
Material
Topics 2021
Material Topic : Access and Affordability
GRI 3: 3-3 Management of material topics 42
Material
Topics 2021
142 PT Bank Central Asia Tbk 2024 Sustainability Report
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Management Creation in Brief
Omission
GRI Sector
GRI Standard Indicator Disclosure Location Requirement(s) Standard
Reason Explanation Ref.No
Omitted
Material Topic : Community Development
GRI 3: 3-3 Management of material topics 42
Material
Topics 2021
GRI 203: 203-1 Infrastructure investment and 120
Indirect services supported
Economic
Impacts 2016
GRI 413: Local 413-1 Operations with local 128
Communities community engagement, impact
2016 assessments, and development
programs
413-2 Operations that have or 127
potentially cause significant
adverse impacts on the local
community
Economic Performance
GRI 201: 201-3 Defined benefit plan obligations 106
Economic and other retirement plans
Performance
201-4 Financial assistance received 54
2016
from government
Energy
GRI 302: 302-1 Energy consumption within the 71
Energy 2016 organization
302-3 Energy intensity 71
Water and Effluents
GRI 303: 303-1 Interactions with water as a 72
Water and shared resource
Effluents 2018
303-2 Management of water discharge- 72
related impacts
Waste
GRI 306: 306-1 Waste generation and significant 73
Waste 2020 waste-related impacts
306-2 Management of significant 73
waste-related impacts
306-3 Waste generated 73
306-4 Waste diverted from disposal 73
Employment
GRI 401: 401-1 New employee hires and 95,96
Employment employee turnover
2016
401-2 Benefits provided to full-time 102
employees that are not provided
to temporary or part-time
employees
401-3 Parental leave 103
Occupational Health and Safety
GRI 403: 403-1 Occupational health and safety 104
Occupational management system
Health and
403-2 Hazard identification, risk 104
Safety 2018
assessment, and incident
investigation
403-3 Occupational health service 105
403-4 Worker participation, 104,105
consultation, and communication
on occupational health and
safety
2024 Sustainability Report PT Bank Central Asia Tbk 143
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Omission
GRI Sector
GRI Standard Indicator Disclosure Location Requirement(s) Standard
Reason Explanation Ref.No
Omitted
403-5 Worker training on occupational 105
health and safety
403-6 Promotion of worker health 105
403-7 Prevention and mitigation of 104
occupational health and safety
impacts linked by business
relationships
403-8 Workers covered by an 104
occupational health and safety
management system
403-9 Work-related injuries 104
403-10 Work-related ill health 105
Training and Education
GRI 404: 404-1 Average hours of training per 98
Training and year per employee
Education
404-2 Programs for upgrading 98,106
2016
employee skills and transition
assistance programs
GRI Financial Services
Indicator Aspect Page
FS1 Policies with specific environmental and social components applied to business lines 63,65
FS2 Procedures for assessing and screening environmental and social risks in business lines 63,65
FS3 Processes for monitoring clients’ implementation of and compliance with environmental and social 63,65
requirements included in agreements or transactions
FS4 Process(es) for improving staff competency to implement the environmental and social policies and 36
procedures as applied to business lines
FS5 Interactions with clients/ investees/business partners regarding environmental and social risks and 38,58,59
opportunities
FS6 Percentage of the portfolio for business lines by specific region, size (e.g. micro/SME/large) and by 25, 56-58
sector
FS7 Monetary value of products and services designed to deliver a specific social benefit for each business 58
line broken down by purpose
FS8 Monetary value of products and services designed to deliver a specific environmental benefit for each 25,57,58
business line broken down by purpose
FS9 Coverage and frequencies of audits to assess implementation of environmental and social policies and 36
risk assessment procedures
FS10 Percentage and number of companies held in the institution’s portfolio with which the reporting 56,57,65
organization has interacted on environmental or social issues
FS11 The percentage of assets subject to positive and negative environmental or social screening 57,65
FS12 Voting policy applied to environmental or social issues 36
FS13 Access points in low-populated or economically disadvantaged areas by type 82,120
FS14 Initiatives to improve access to financial services for disadvantaged people 82
FS15 Policies for the fair design and sale of financial products and services 82
FS16 Initiatives to enhance financial literacy by type of beneficiary 115
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Sustainability Accounting Standards Board (SASB)
Code Description Page
Activity Metrics
FN-CB-000.A (1) Number and (2) value of checking and savings accounts by segment: (a) personal and (b) small
24, 30
business
FN-CB-000.B (1) Number and (2) value of loans by segment: (a) personal and (b) small business 24, 25, 57
Data Security
FN-CB-230a.1 (1) Number of data breaches, (2) percentage involving personally identifiable information (PII), (3)
85
number of account holders affected
FN-CB-230a.2 Description of approach to identifying and addressing data security risks 83-87
Financial Inclusion & Capacity Building
FN-CB-240a.1 (1) Number and (2) amount of loans outstanding qualified to programs designed to promote small
58
business and community development
FN-CB-240a.2 (1) Number and (2) amount of past due and nonaccrual loans qualified to programs designed to
58
promote small business and community development
FN-CB-240a.3 Number of no-cost retail checking accounts provided to previously unbanked or underbanked
82,120-122
customers
FN-CB-240a.4 Number of participants in financial literacy initiatives for unbanked, underbanked, or underserved
115-116
customers
Incorporation of Environmental, Social, and Governance Factors in Credit Analysis
FN-CB-410a.2 Description of approach to incorporation of environmental, social and governance (ESG) factors in
63-67
credit analysis
Financed Emissions
FN-CB-410b.1 Absolute gross financed emissions, disaggregated by (1) Scope 1, (2) Scope 2 and (3) Scope 3 69-70
FN-CB-410b.2 Gross exposure for each industry by asset class 70
FN-CB-410b.3 Percentage of gross exposure included in the financed emissions calculation 69
FN-CB-410b.4 Description of the methodology used to calculate financed emissions 69-70
Business Ethics
FN-CB-510a.1 Total amount of monetary losses as a result of legal proceedings associated with fraud, insider
trading, anti-trust, anti-competitive behavior, market manipulation, malpractice, or other related 52
financial industry laws or regulations
FN-CB-510a.2 Description of whistleblower policies and procedures 52
Risk Management System
FN-CB-550a.1 Global Systemically Important Bank (G-SIB) score, by category 31
FN-CB-550a.2 Description of approach to incorporation of environmental, social, and governance (ESG) factors
in credit analysis into capital adequacy planning, long-term corporate strategy, and other business 60-62, 67
activities
SUSBA ESG Integration Pillars
No Indicator Aspect Page
1 Purpose Sustainability strategy and stakeholder engagement 32, 38-39
Participation in sustainable finance initiatives and policy advocacy with regulators 31, 42-46,
55, 59
2 Policies Public statements on specific ESG issues 36-37, 66-67
Public statements on specific sectors 36, 57, 66-67
3 Processes Assessing ESG risks in client and transaction approvals 63-67
Client monitoring and engagement 63
4 People Responsibilities for ESG 34-36
Staff E&S training and performance evaluation 36-37, 97-100
5 Product ESG integration in products and services 56-57
6 Portfolio ESG risk assessment and mitigation at portfolio level 43, 64-65
Disclosure of ESG risk exposure and targets 44, 60-64
2024 Sustainability Report PT Bank Central Asia Tbk 145
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Highlight Focus Management
ASEAN Corporate Governance Scorecard (ACGS)
The implementation of ACGS at BCA is presented in more detail on the BCA website
https://www.bca.co.id/en/tentang-bca/tata-kelola/acgs
146 PT Bank Central Asia Tbk 2024 Sustainability Report
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Management Creation in Brief
Feedback Form
PT Bank Central Asia Tbk (BCA) published this Sustainability Report to provide stakeholders with an overview of our
sustainability performance and implementation of sustainable finance. We would like to receive feedback, criticism, and
suggestions from you after reading this Sustainability Report by sending an e-mail or sending this form by post.
Your Profile
Name (if possible) : . .........................................................................................................................................................................................................................
Institution/Company : . .........................................................................................................................................................................................................................
E-mail : . .........................................................................................................................................................................................................................
Phone/Mobile : . .........................................................................................................................................................................................................................
Stakeholder Group
Regulator
Investor and Shareholders
Employess
Customers
Business Partners/Suppliers/Vendors
General Public
Media
Others, please specify:
..........................................................................
Please Select The Appropriate Answers In Response to The Questions Below
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1. This report is easily understood.
2. This report is useful for you.
3. This report has clearly described BCA sustainability performance.
4. This report has disclosed material topics relevant to the Company.
Thank You for Your Participation
Please Submit and Send This Response to The Following Address:
Corporate Secretary
PT Bank Central Asia Tbk (BCA)
Menara BCA, 20th Floor, Grand Indonesia
Jl. M.H. Thamrin No.1 Jakarta 10310
Tel. : (62 21) 2358 8000
Fax. : (62 21) 2358 8300
E-mail : humas@bca.co.id
Website : https://www.bca.co.id/en
2024 Sustainability Report PT Bank Central Asia Tbk 147
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148 PT Bank Central Asia Tbk 2024 Sustainability Report
Page 301
Page 302
Unity for
Responsibility
LAPORAN
KEBERLANJUTAN 2024
PT Bank Central Asia Tbk
Kantor Pusat
Menara BCA, Grand Indonesia
Jl. M.H. Thamrin No. 1
Jakarta 10310, Indonesia
Tel. : (+62 21) 2358 8000
Fax. : (+62 21) 2358 8300
www.bca.co.id
Names mentioned 66 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.7 ×11
unresolved
org
Kementerian ESDM
p.12 ×3
unresolved
org
Yayasan Bakti BCA
p.13 ×2
unresolved
org
Bank Umum Konvensional Recommended Retail Bank
p.17
unresolved
org
Bank Indonesia Award
p.17
unresolved
org
Bank Konvensional Pendukung Pengendalian Moneter Rupiah Terbaik
p.17
unresolved
org
Kementerian Keuangan Republik
p.17
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org
Yayasan Bakti BCA. Selain
p.22
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org
Kementerian Kehutanan
p.22
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Kementerian Hukum dan Hak Asasi Manusia Republik
p.23
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Nasional Sertifikasi
p.23
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Kementerian Pariwisata
p.23
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Menteri Kehakiman
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Bank Ketetapan
p.31
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PT Dwimuria Investama Masyarakat
p.31
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PT Dwimuria Investama Andalan.
· Komisaris
p.31
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person
H. Thamrin
p.31 ×2
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PT BCA Multi Finance
p.33
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org
PT BCA Finance. Informasi
p.33
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person
Forum Komunikasi
· Direktur
p.33
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Kementerian RI
p.39
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Bank Perkreditan Dasar Pengawasan
p.45
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PT. BCA
p.45
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Central Asia Tbk
p.46
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Pemasok
p.52
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Kementerian Lingkungan Hidup
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Bank Indonesia Emisi Cakupan
p.70
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Rintis
p.89
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Rianto & Rekan
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Tanudiredja
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Rintis & Rekan
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Kementerian Ketenagakerjaan. PKB
p.94
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Menteri Kesehatan RI
p.106
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Menteri Ketenagakerjaan
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Dana Pensiun BCA
p.108
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PT BCA Finance
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PT Bank BCA
p.132
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PT Asuransi Umum BCA
p.132
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PT Asuransi Jiwa BCA
p.132
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PT Central
p.132
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PT Bank Digital BCA
p.132
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