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Sustainability Culture

Sustainability values and responsible operational activities

Fair Operating Practices

BCA is committed to maintaining fair operating practices by complying with laws, regulations, social norms, and codes of ethics. The tangible form of BCA's commitment to compliance with a sustainability culture is carried out through several internal efforts, such as managing intellectual assets effectively, building and maintaining fair relationships, eliminating conflicts of interest with suppliers or other related parties, as well as conducting fair competition by complying with anti-monopoly laws. In addition to internal efforts, BCA has established policies regarding respect for human rights, employment, occupational health and safety, and fair procurement practices to suppliers. BCA's stakeholder’s engagement for its business initiatives and sustainability aspects is carried out through clear cooperation through integrity pacts and compliance with policies that are fair to both parties.

In the supply chain, BCA involves local parties to support economic development in Indonesia. In 2021, BCA gradually carried out human rights due diligence on vendors in the BCA supply chain to ensure that vendors respect human rights principles in their operations. Each prospective vendor will be selected prior to being accepted to cooperate, with the selection process covering the ESG aspects.

Human Rights and employment

A. Respecting Human Rights 

BCA's commitment to respecting human rights is embodied in the Human Rights Policy. Human rights policies cover several human rights aspects, including aspects related to employees, vendors, business partners, customers, and the general public. In 2021, BCA carried out human rights due diligence within the context of the Bank’s social and business responsibilities, including its vendors. 

BCA’s human rights policy explicitly covers non-discriminatory practices and gender equality in the workplace. In line with the non-discrimination policy as stated in the SK HAM BCA, as well as BCA's code of conduct, and Collective Labor Agreement, BCA prohibits sexual and non-sexual harassment and will not tolerate such behavior. 

BCA provides opportunities for those with physical disabilities and respects their rights. Currently, BCA has employed 10 (ten) Outsourced Workers with disabilities who work as Call Center Officers at the Digital Service Center. 

BCA is committed to maintaining communication with its employees, through several means, one being Halo SDM (66900) where employees can request information on employment or industrial relations. This facility can be accessed through BCA's internal telephone network where callers’ confidentiality is guaranteed.

B. Paying Attention to Employees’ Welfare 

In human capital management, BCA has a Collective Labor Agreement (CLA) containing the rights and obligations of employees and companies, information on equality and fairness in performance appraisal, promotion and education policies, and freedom of association. 

BCA develops a positive work culture through the Team Engagement (TE) program to measure the engagement level of permanent and contract employees, as well as Bakti BCA Internship participants who have worked for at least one year and other fun activities. The spirit of One BCA: One Goal, One Soul, One Joy is an effort to make BCA a unified whole.

1. Employee Competency Development and Employee Welfare

Human Capital (HC) are the driving force in the company in providing services and maintaining the Bank's business continuity. BCA's commitment is to strive to create superior human capital, by providing training and supporting them to continue to higher education levels. Along with the movement towards digitalization, BCA has implemented e-learning, video learning, video conferencing, gamification, and micro learning methods, to develop employee competency. 

BCA provides remuneration without discrimination against ethnicity, race, or class. The basic salaries for all employees are not differentiated by gender but based on their performance at each position level. Currently, the basic salary of every employee is above the Provincial Minimum Wage (UMP) applicable in the region of all branch offices in Indonesia. In addition to salaries and allowances, BCA provides an extra bonus in the form of BCA shares to increase employees' sense of Company ownership. BCA also facilitates group activities to support the employees’ hobbies and interests outside of work routines. In addition, employees are also provided with the BCA Counseling Service facility to consult with experienced professionals or psychologists in their fields to provide the best service for employees.

2. Retirement Savings

The employees’ retirement savings policy covers a contribution payment scheme borne by the Company and the employees. The retirement savings program (pension fund) applies to all employees from staff level to EVP and is managed by a pension fund established by BCA. BCA also enrolls all employees in the manpower social security, BPJS Employment, program for old age and pension plan. With a monthly contribution scheme paid by the company and employees.

3. Labor Unions and Collective Labor Agreements

In accordance with applicable laws and regulations, BCA guarantees freedom to all employees to join a labor union. The Labor Unions are management's strategic partners in fostering good and harmonious industrial relations, so as to create a conducive work environment and increase optimal productivity. In an effort to build good industrial relations with employees, BCA has a Collective Labor Agreement, which is reviewed every two years by representatives from the Labor Union together with management. 100% of BCA’s permanent employees rights and obligations are protected through this Collective Labor Agreement.

4. Access to Health Facilities

Health facilities are provided in all BCA offices, including insurance, health clinics, and health education banners. All employees are entitled to inpatient, outpatient, childbirth, eyeglasses, dental care, laboratory examinations, periodic medical examinations, and pap smears. BCA also provides BPJS Kesehatan coverage for employee’s families. BCA actively socializes healthy lifestyles (health awareness) through Health Seminars with employees and their families. BCA provides consultation facilities through visits to BCA referral doctors. In addition, BCA also provides Medical Check-Up (MCU) once a year for employees aged 40 years and over. BCA has also mapped out occupational diseases that are frequently suffered by employees.

5. Decent and Safe Work Environment

Occupational safety is reflected in the arrangement of office space that refers to completeness and adequate working facilities and environment, as well as security facilities. All branch offices’ building management conducts fire and earthquake simulations on a regular basis. In addition, all employees will receive briefing, training fire drill, and natural disaster evacuation drills. To increase alertness and prevent casualties, infrastructure of BCA's office building has been equipped with facilities such as alarms as early warning system.

6. Socializing Prevention of COVID-19 Transmission

BCA has established a COVID-19 call center for all employees. In addition, guidelines for handling COVID-19 have been issued to assist BCA personnel in understanding the procedures for handling suspected cases, probable cases, close contacts, and confirmed cases. In an effort to break the spread of COVID-19, BCA also carries out contact tracing.

Environment and Climate Change

A. BCA’s Response to Climate Change

BCA has developed a climate change strategy roadmap to identify the bank's risks and opportunities posed by climate change. 

Overall, to support the Government of Indonesia in achieving its GHG reduction target of 29% by 2030, BCA has taken the following steps:

  • Develop a Climate Change Strategy roadmap;
  • Continue to develop a GHG inventory using the GHG Protocol Standard;
  • Improved the understanding of climate change sources and impacts on its operations and investments;
  • Increase the Bank's resilience to emissions and climate risk by monitoring climate-related investment sectors;
  • Prepare guidelines for customers and businesses to shift to a low-carbon and climate-resilient economy. 

B. Towards Green or Low Carbon Operations

BCA continues to develop innovations towards environmentally friendly operations. Various efforts have been implemented to reduce negative environmental impacts, including:

  1. Paper usage reduction program
  2. Energy efficiency program
  3. Reducing travel by air transport and replacing the activities with virtual meetings.
  4. Carrying out gradual green procurement by integrating green procurement guidelines and GHG reduction aspects to create climate resilience.
  5. Improving its products and services quality to facilitate customer access through digital banking
  6. Implementing a digital workplace
  7. Supporting environmentally friendly operations through the green building concept
  8. Environmentally-based Bakti BCA Program 

C. Agent of Change 

The eco-friendly movement at the BCA office cannot be separated from the involvement of BCA employees. BCA has established Agent of Change (AOC) in representative offices/work units at the head office, regional offices, branch offices throughout Indonesia and also subsidiaries. 

Agent of Change plays a role in implementing environmentally friendly culture and behavior in the office, such as saving electricity and water, sorting waste, developing e-learning green office & green lifestyle e-learning as a means of environmental awareness, and calling for an environmentally friendly movement through internal communication media and the company’s social media. 

D. Energy Management and Reducing Carbon Footprint 

To support of environmental conservation and climate change mitigation, BCA has started to manage its energy use. BCA consistently undertakes initiatives to reduce electricity consumption such as:

  • Setting a schedule for gradually shutting down the elevator
  • Turning off the lights during lunch time in the back-office area
  • Using inverter AC and LED lamps
  • Switching HVS paper usage from 80 gsm to 75 gsm 

E. Waste and Water Consumption Management 

BCA has gradually separated waste in several office buildings, namely Wisma Asia I, Wisma Asia II, Wisma Pondok Indah and Wisma BCA Foresta. In addition, BCA also cooperates with third parties to carry out initiatives to process waste debit and credit cards into building materials (paving blocks). Several BCA buildings have also utilized the wastewater for non-hygiene needs. 

In terms of water saving, the efforts to do water saving are carried out by maintaining water installations, using water-saving faucets, eco-washers, installing rain harvest tanks, and water-saving campaigns. 

F. Environment and Biodiversity Preservation 

BCA contributes to supporting Indonesia’s flora and fauna conservation efforts, even though its business activities are not directly related to natural resources or biodiversity. This biodiversity Conservation is very important in helping the environmental ecosystems and reducing emissions.

G. Environmental Complaints 

BCA's commitment and efforts to support environmental sustainability in daily banking activities will continue to be improved and carried out on an ongoing basis. None of BCA's activities directly utilize natural resources or damage the environment. Therefore, to date, no environmental complaints concerning BCA’s banking activities have been received.

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