01 FINANCIAL HIGHLIGHTS

12 Financial Highlights
16 Stock Highlights


02 MANAGEMENT REPORT

22 Report of the Board of Directors
34 Board of Commissioners’ Supervisory Report


03 CORPORATE PROFILE

46 Vision, Mission and Core Values
48 Milestones
50 Event Highlights 2016
54 Company General Information
55 Line of Business
56 Products and Services
58 Organization Structure
60 Profile of Board of Directors and Board of Commissioners
74 Profile of Board of Commissioners Committee Members and Corporate Secretary
84 Senior Officers
86 BCA Group Structure and Subsidiaries Ownership
89 Number of Employees and Competence Development
91 Shareholder Composition
93 Record of BCA Share and Securities Listing
94 Capital Market Supporting Institution
95 Awards
103 Branches


04 MANAGEMENT DISCUSSION AND ANALYSIS

108 Business Review
108 Transaction Banking
116 Corporate Banking
122 Commercial and SME Banking
128 Individual Banking
134 Treasury and International Banking

140 Business Support
140 Risk Management
222 Human Resources
228 Network and Operations
232 Information Technology

236 Financial Review
237 Overview of Indonesia’s Macro Economy in 2016
239 Overview of Indonesian Banking Sector Performance in 2016
241 Overview of BCA Financial Performance in 2016


265 Target Achievements in 2016
266 Capital Structure and Management Policy on Capital Structure


265 Target Achievements in 2016
267 Material Information about Investment, Expansion, Divestment and Acquisition
265 Target Achievements in 2016
267 Information on Material Transactions with Conflicts of Interest
265 Target Achievements in 2016
268 Group-Wide Funding Commitments and Other Facilities to Single Outside Debtor
265 Target Achievements in 2016
268 Impact of Changes in Laws and Regulations
265 Target Achievements in 2016
269 Changes in Accounting Policies
265 Target Achievements in 2016
270 Prime Lending Rate
265 Target Achievements in 2016
271 Material Commitments for Capital Expenditures
265 Target Achievements in 2016
271 Capital Expenditures Realization
271 Material Information and Facts that Occurred after the Date of Accountants’ Report
265 Target Achievements in 2016
272 Overview of Business Segment Performance
265 Target Achievements in 2016
275 Marketing
265 Target Achievements in 2016
275 Overview of Subsidiary Performance
265 Target Achievements in 2016
279 Prospects and Strategic Priorities in 2017

281 Business Sustainability

05 CORPORATE GOVERNANCE

290 Introduction
290 Purpose of Good Corporate Governance Implementation
290 References
292 Statement of Corporate Governance Implementation Commitment
292 Corporate Governance Structure
293 GCG Implementation Report
295 Result of GCG Assessment

296 The Implementation of Integrated Governance
297 The Requirements for The Board of Directors and The Board of Commissioners of the Legal Primary Entity
299 The Duties and Responsibilities of the Board of Directors and the Board of Commissioners of the Legal Primary Entity
299 The Duties and Responsibilities of the Integrated Governance Committee
300 The Duties and Responsibilities of the Integrated Compliance Work Unit
300 The Duties and Responsibilities of the Integrated Internal Audit Work Unit
300 The Implementation of the Integrated Risk Management
300 The Development and Implementation of the Integrated Governance Guidelines
301 The Assessment of the Integrated Governance Implementation
301 Annual Report of the Integrated Governance Implementation
306 Management Structure of Legal Primary Entity (PT Bank Central Asia Tbk) and Subsidiaries Company in Financial Conglomerate for Year 2016
309 Policy to Identify, Manage and Reconcile Intra-Group Transactions
310 Supervision by the Board of Commissioners and the Board of Directors
310 Adequacy on Policy, Procedure and Determination of Intra-Group Transaction Risk Limit
311 Adequacy of Identification Process, Measurement, Monitoring and Risk Control as Well as Information System of Intra-Group Transaction Risk Management
312 A Comprehensive Internal Control System Towards Implementation of Intra-Group Risk Management Transaction

313 The Board of Directors
313 Legal References
313 Charter of the Board of Directors
314 Duties and Responsibilities of the Board of Directors
314 Authorities of the Board of Directors
314 Segregation of Duties and Responsibilities of the Board of Directors
316 Number, Composition, and Criteria of Members of the Board of Directors
317 Composition of BCA’s Board of Directors as of 31 December 2016
318 Diversity in the Composition of Members of the Board of Directors
319 Nomination of Members of the Board of Directors
319 The Board of Directors Statement of Independence
319 Share Ownership of Member of the Board of Directors that amounts to 5% or Above of the Paid-up Capital
320 Dual Functions of Members of the Board of Directors
320 Procedure for Determining the Remuneration of the Board of Directors
321 Remuneration Structure of the Board of Directors
321 The Board of Directors Meetings, Joint Meetings, and Attendance of Members of the Board of Directors
324 Assessment on the Performance of the Committees under of the Board of Directors
326 Orientation Programs for New Members of the Board of Directors
327 Training Programs to Enhance the Competence of Members of the Board of Directors

330 The General Meeting of Shareholders
330 The General Meeting of Shareholders
330 2016 Annual General Meeting of Shareholders Procedure
330 Implementation of the 2016 AGMS
330 Attendance of Management and Shareholders
331 Chairman of the 2016 AGMS
331 Agenda of the AGMS
331 Vote Calculation Mechanism in the 2016 AGMS
332 Comparison between the 2016 AGMS Resolution and Realization with the 2015 AGMS Resolution and Realization
339 Extraordinary General Meeting of Shareholders Resolution and Realization
340 Statement Concerning the Unrealized AGMS Resolution
340 Major/Controlling Shareholders

341 The Executive Committee of the Board of Directors
341 Asset & Liability Committee
341 Main Functions of ALCO
341 Authorities of ALCO
342 Membership of ALCO and Voting Right Status
342 Duties and Responsibilities of ALCO
342 Main Duties of ALCO Members
342 Meetings of ALCO
342 Decision Making
343 Frequency of Asset & Liability Committee Meetings in 2016
343 Accountability/Work Realization Reporting of ALCO
343 ALCO Work Realization Program in 2016

343 Risk Management Committee
344 Main Function of the Risk Management Committee
344 Membership of the Risk Management Committee and Voting Rights
344 Main Duties of the Risk Management Committee Members
344 Risk Management Committee Meetings
344 Decision Making
345 Frequency of Risk Management Committee Meetings in 2016
345 Accountability/Work Realization Reporting of Risk Management Committee
345 Risk Management Committee Work Realization Program in 2016

345 Integrated Risk Management Committee
345 Main Duties of the Integrated Risk Management Committee
346 Authorities of the Integrated Risk Management Committee
346 Membership of the Integrated Risk Management Committee and Voting Rights
346 Main Duties of the Integrated Risk Management Committee Members
347 Meetings of the Integrated Risk Management
347 Decision Making
347 Frequency of Meetings of the Integrated Risk Management Committee in 2016
348 Accountability/Work Realization Reporting of the Integrated Risk Management Committee
348 Integrated Risk Management Committee Work Realization Program in 2016

348 Credit Policy Committee
348 Main Duties of the Credit Policy Committee
348 Authorities of the Credit Policy Committee
348 Membership of the Credit Policy Committee and Voting Rights
349 Main Duties of the Credit Policy Committee Members
349 Meetings of the Credit Policy Committee
349 Decision Making
349 Frequency of the Credit Policy Committee Meetings in 2016
350 Accountability/Work Realization Reporting
350 Credit Policy Committee Work Realization Program in 2016

351 Credit Committee
351 Main Duties of the Credit Committee
351 Level of the Credit Committee
351 Authorities of the Credit Committee
351 Membership of Corporate the Credit Committee and Voting Rights
352 Membership of Commercial the Credit Committee and Voting Rights
352 Main Duties of the Credit Committee Members
352 Credit Committee Meetings
352 Decision Making
352 Accountability of the Credit Committee
353 Frequency of the Corporate Credit Committee Meetings and Attendance of the Board of Directors and the Corporate Credit Committee Members in 2016
353 Frequency of the Commercial Credit Committee Meetings and Attendance of the Board of Directors and the Commercial Credit Committee Members in 2016
353 Credit Committee Work Realization Program in 2016

353 Information Technology Steering Committee
353 Main Functions of the Information Technology Steering Committee
354 Membership of the Information Technology Steering Committee and Voting Rights
354 Authorities and Responsibilities of the Information Technology Steering Committee
354 Meetings of the Information Technology Steering Committee
355 Decision Making
355 Accountability/Work Realization Reporting
355 Frequency of the Information Technology Steering Committee Meetings in 2016
355 Work Program in 2016
355 Information Technology Steering Committee Work Realization Program in 2016

356 Personnel Case Advisory Committee
356 Main Functions of the Personnel Case Advisory Committee
356 Authorities of the Personnel Case Advisory Committee
356 Membership of the Personnel Case Advisory Committee and Voting Rights
356 Main Duties of the Personnel Case Advisory Committee
357 Meetings of the Personnel Case Advisory Committee
357 Decision Making
357 Accountability/Work Realization Reporting
357 Frequency of the Personnel Case Advisory Committee Meetings in 2016
357 Personnel Case Advisory Committee Work Realization Program in 2016

357 The Board of Commissioners
357 Legal Reference
358 Charter of the Board of Commissioners
358 Duties and Responsibilities of the Board of Commissioners
358 Authorities of the Board of Commissioners
359 The Board of Commissioner Membership Number, Composition and Criteria
361 Composition of Members of the Board of Commissioners as of 31 December 2016
361 Diversity in the Composition of Members of the Board of Commissioners
362 Nomination of Members of the Board of Commissioners
362 Information Concerning Independent Commissioners
363 Share Ownership of Members of the Board of Commissioners that amounts to 5% or Above of the Paid-up Capital
363 Dual Functions of Members of the Board of Commissioners
364 Procedure of Determining of the Remuneration of the Board of Commissioners
364 The Remuneration Structure of the Board of Commissioners
365 The Board of Commissioners Meetings, Joint Meetings and the Attendance of Members of the Board of Commissioners
366 Performance Assessment of the Board of Directors, the Board of Commissioners, and the Committees under the Board of Commissioners
369 Implementation of Duties of the Board of Commissioners
369 Orientation Programs for New Members of the Board of Commissioners
370 Training Programs to Enhance the Competence of Members of the Board of Commissioners 2016

371 Committees Under Board of Commissioners
371 Audit Committee
371 Main Duties
371 Legal Reference
371 Audit Committee Charter
371 Duties and Responsibilities of the Audit Committee
372 Authorities of the Audit Committee
372 Membership of Audit Committee
372 Composition of Audit Committee Members as of 31 December 2016
373 Term of Duty of Audit Committee Members
373 Independence and Requirements of Audit Committee Members
374 Audit Committee Meeting
374 Audit Committee Work Realization Programs in 2016

374 Risk Oversight Committee
374 Main Duties
374 Legal Reference
374 Charter and Code of Conduct of the Risk Oversight Committee
375 Duties and Responsibilities of Risk Oversight Committee
375 Membership of Risk Oversight Committee
375 Composition of Risk Oversight Committee as of 31 December 2016
375 Term of Duty of the Risk Oversight Committee Members
375 Independence and Requirements of Risk Oversight Committee Members
376 Meetings of Risk Oversight Committee
376 Risk Oversight Committee Work Realization Programs in 2016

377 Remuneration and Nomination Committee
377 Main Duties
377 Legal Reference
377 Charter and Code of Conduct of Remuneration and Nomination Committee
377 Membership of Remuneration and Nomination Committee
377 Composition of Remuneration and Nomination Committee Members as of 31 December 2016
378 Term of Duty of Remuneration and Nomination Committee Members
378 Independence and Requirements of Remuneration and Nomination Committee
378 Duties and Responsibilities of Remuneration and Nomination Committee
379 Meetings of Remuneration and Nomination Committee
379 Policies Concerning the Board of Directors Succession Plan
380 Remuneration and Nomination Committee Work Realization Programs in 2016

380 Integrated Governance Committee
380 Main Duties
380 Legal Reference
380 Charter of Integrated Governance Committee
380 Duties and Responsibilities of Integrated Governance Committee
381 Membership of Integrated Governance Committee
381 Membership Composition of Integrated Governance Committee
381 Number and Composition of Independent Commissioner
381 Term of Duty of Integrated Governance Committee
381 Work Mechanism
382 Meetings of Integrated Governance Committee
382 Report of the Implementation of Integrated Governance Committee Work Program in 2016

382 Corporate Secretary
382 Profile of Corporate Secretary
383 Educational Background
383 Corporate Secretary Competence Development and Training Program
383 Duties and Responsibilities of Corporate Secretary in 2016
383 Overview of Duties Fulfilled by Corporate Secretary in 2016

384 Investor Relations Functions
384 The Main Duty of Investor Relations
384 Investor Relations Activity
384 Statistics of Investor Relations Activities in 2016 and 2015
385 The Frequency of Monthly Investor Relations Activities in 2016

385 Internal Audit Division
385 Profile of Head of Internal Audit Division
385 Competence Development and Training Program of Internal Audit Head
386 Structure and Position of Internal Audit Division
386 Position of Internal Audit Division in BCA Organizational Structure
387 Organizational Chart of Internal Audit Division
387 Scope
387 Independence
387 Duties and Responsibilities of Internal Audit Division
387 Internal Audit Manual
388 Number of Auditors in Internal Audit Division
388 Reporting
388 Activities of Internal Audit Division in 2016
388 Focus of Audit Plan in 2017

389 Public Accountants Office (External Auditor)
389 Public Accounting Firms and Public Accountants who have Audited BCA Financial Statements (in 2013, 2014, 2015, 2016)

390 Compliance Function
390 Compliance Related Activities in 2016
391 Activities Related to Anti Money Laundering and Counter Terrorist Financing Programs in 2016
391 Indicators of Compliance in 2016

392 Implementation of Risk Management
392 Risk Management System
392 Managed Risks

396 Internal Control System
396 Implementation of Internal Control

397 Corruption Prevention
397 Implementation of Anti-Fraud Strategy
398 Whistleblowing System
401 Internal Fraud
401 Anti-Gratuity

402 Affiliated Transactions & Transactions with Conflict of Interest
402 Affiliated Transaction
402 Transaction with Conflict of Interest

403 Significant Cases And Administrative Sanction
403 In the process of settlement
403 Resolved (with permanent legal force)

403 Access to Company Data and Information
403 Access to Information
404 Website BCA
404 BCA Social Media
405 List of BCA Press Release in 2016
410 Correspondence with Financial Services Authority and Indonesia Stock Exchange
412 Internal Communication
414 Bakorseni

414 Code of Ethics
414 BCA Code of Ethics for Bankers
414 Socialized and Enforcement of Code of Ethics
415 Enforcement of Code of Ethics and Sanctions for the Breach of Code of Ethics

415 Corporate Culture
415 BCA Vision
415 BCA Mission
415 BCA Values
415 Vision, Mission, and Values of BCA

416 Stock Option

416 Provision of Funds to Related Parties and Provide Large Exposure

417 Strategic Plan
417 BCA 2017 Strategic Plan

418 Transparency of Financial and Non-Financial Condition Undisclosed in Other Reports
418 Transparency of Financial Condition
419 Transparency of Non-Financial Condition

420 Highest and Lowest Salary Ratio

420 Shares Buy Back

420 Provision of Funds For Social Activities

421 Provision of Funds For Political Activities


06 CORPORATE SOCIAL RESPONSIBILITY

422 Corporate Social Responsibility


07 CONSOLIDATED FINANCIAL STATEMENTS

443 Consolidated Financial Statements