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Sustainable Banking

Conducting responsible business and supporting the SDGs

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Responsible Financing Quality of Service and Customer Trust Technological Development and Digitalization Privacy and Data Security Protection for Customers Fraud Prevention and Financial Crime Prevention

Responsible Financing

BCA is committed to implementing Sustainable Financing, including increasing loan disbursement for Sustainable Business Sector.

  1. Improving Sustainable Financing Portfolios
    The sustainable loan portfolio in 2022 reached IDR 183.2 trillion, an increase of 14.9% compared to the portfolio in 2021 which amounted to IDR 159.5 trillion. The percentage exceeds the 2022 Sustainable Financing growth target of 7%. The sustainable loan portfolio comprised of 44.2% Green Financing and 55.8% MSME financing. The sustainable loan portfolio is equivalent to 25.4% of the bank’s total portfolio (Corporate Loans and Bonds).

    The sustainable financing includes renewable energy, energy efficiency, natural resources and sustainable land use, eco-efficient products, as well as environmentally friendly buildings.

    In disbursing loans, BCA has implemented several policies and procedures to create business activities that align with responsible financing. One of the efforts in responsible financing includes implementing sectoral credit policies for business sectors with high environmental damages risk. BCA has also issued exclusion list as risk appetite guidelines while still considering the risk aspect of each sector.

  2. Sustainable Infrastructure Project Financing
    BCA contributes to creating indirect economic impact for the communities through infrastructure financing in Indonesia. BCA provides financing for toll road projects, electricity, railways, telecommunication towers, airports and ports, and also drinking water and sanitation. In 2022, the total of sustainable infrastructure project financing (including cashless credit) reached IDR 56.2 trillion.

    In addition, BCA also finances power plants sourced from new and renewable (NRE) including solar, mini-hydro, biomass, and biogas power plants projects.

  3. Assistance and Support for Micro, Small and Medium Enterprises (MSMEs)
    MSMEs have a crucial position in the Indonesian economy as they absorb labor and drive the local economy. BCA is committed to supporting MSMEs by providing special MSMEs financing programs, and developing a special program for ESG based MSMEs. In 2022, MSME financing reached IDR 102.3 trillion, an increase of 16.0% compared to 2021. BCA also held MSME Fest to bring together MSMEs with business people, also helped to market products both online and offline. More than 1,250 MSMEs from all around Indonesia participated in the event.

  4. ‘Bangga Lokal’ Program
    ‘Bangga Lokal’ is BCA's support to assist MSMEs in developing their business and finding new partners. For MSMEs that pass the selection process, BCA will assist in promotion, marketing, provide education, and offer opportunities to obtain working capital financing. This program also includes development programs with various activities such as webinars with relevant topics for business, collaboration between MSMEs and creators for new product development, and coaching clinics. As of December 2022, there are 1,477 new MSMEs that have joined the ‘Bangga Lokal’ program.

  5. People’s Business Loans (KUR)
    In 2022, BCA disbursed People’s Business Loans (KUR) amounting to IDR 478 billion, an increase of 131.6% compared to 2021, which was IDR 206.4 billion. BCA finances KUR that directly impact the economy of the community, by increasing the activities and creativity of people in underdeveloped areas. Types of business that receive KUR include handicraft businesses, processed agricultural products, livestock, and seedlings.

  6. Climate-Related Financial Risks
    BCA also takes responsibility for reducing global warming. In assessing financial risks related to climate change, BCA refers to international standards and guidelines from the Task Force on Climate-related Financial Disclosures (TCFD). To mitigate climate-related financial risks, BCA applies a prudent principle in lending, especially in sectors that have a high risk of environmental and climate change impact. BCA has developed sectoral credit policies for the palm oil, coal mining, toll road development, timber and forest products, as well as cement and basic steel sectors. Additionally, BCA will gradually implement a policy for ESG-based loan risks by applying Environmental & Social Risk Analysis (ESRA).

Quality of Service and Customer Trust

BCA values a fair and equal service to all of its customers. The service is expected to provide satisfaction and convenience to customers, as well as provide necessary banking solutions.

  1. Maintaining Service Quality and Handling Customer Complaints
    BCA always strives to meet the needs of its customers by understanding their transaction requirements to provide the right banking solutions. BCA equips its employees, especially frontliners who deal directly with customers, with consulting and communication training to ensure that they can provide solutions that are suitable for each customer's situation.
  2. Accessibility to Banking Services
    In order to increase access and affordability of banking solutions for all customers, digitalization becomes BCA’s strategy. Besides making it easier for customers to access banking services anytime and anywhere, digital banking is equipped with reliable data security systems. BCA applies the ISO 27001 standard to ensure data security. BCA continues to expand its network of inclusive, fair, and respectful banking solutions. BCA's services are based on the 'SMART SOLUTION' culture, which is being alert, engaging, enthusiastic, friendly, thorough, attentive, open-minded, complete, prioritizing customer needs, telling solutions, initiatives, and on-time

Technological Development and Digitalization

Information technology development and digitization has become one of the keys to support ease of transactions as well as the implementation of Sustainable Finance. Banking digitalization makes it easier for customers to conduct transactions without having to come to branches, thus contributing to reducing carbon emissions from vehicles and reducing paper usage. In 2022, 99.5% of BCA's transactions were done digitally by customers.

Privacy and Data Security Protection for Customers

BCA is committed to maintaining the trust of its loyal customers by protecting their data security and privacy. This commitment is part of BCA's efforts to respect human rights.

  1. Protection of Customer Security, Confidentiality, and Privacy
    The protection of customer privacy, including personal data, deposits, and financial security, is the foundation of banking business. BCA continually strives to implement and improve security systems that protect the privacy of all its customers. To achieve this, BCA also continuously mitigates efforts in three areas: people, process, and technology.
  2. Cybersecurity
    As information technology continues to advance, the risk of cybercrime is increasing. BCA prioritizes the protection of customer data to ensure that customers feel comfortable transacting with BCA by providing regular training and socialization to employees. Data security incident simulations are conducted regularly to ensure that all employees are aware of cybersecurity issues. With a strong security system and prepared employees, it is hoped that potential cybercrime threats, negligence, and fraud can be effectively anticipated.

  3. No Data Leakage
    Throughout 2022, BCA did not experience any significant cases of customer data or privacy violations. There was no lost customer data, and no sanctions/fines borne by the Bank or BCA employees. BCA has an escalation mechanism in place in the event of a breach of customer privacy, as stipulated in the Collective Labor Agreement (PKB).

Fraud Prevention and Financial Crime Prevention

BCA has an anti-fraud unit that monitors the implementation/development of bank-wide Anti-Fraud policies/strategies. This monitoring covers prevention, detection, and investigation. To support the prevention of corruption and fraud, BCA implements the following systems:

  1. Whistleblowing System
    As part of transparency, a Whistleblowing System (WBS) is implemented to detect and prevent fraud as early as possible. Both internal and external parties can report fraud, corruption, or actions that violate banking ethics. Reports can be submitted through the website, including clear data/information according to the 4W1H principle (What, Who, When, Where, and How). The report will be automatically received and validated by the Whistleblowing System (WBS) manager.
  2. Anti-Money Laundering and Anti-Terrorism Financing (APU PPT)
    BCA raises awareness among all employees to increase vigilance against money laundering and terrorist financing practices. BCA runs APU PPT for all suspicious and high-value transactions. 100% of permanent employees have received socialization regarding APU PPT.


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