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Community engagement and empowerment programs
Growing together with the communities is BCA’s hope, as well as stay by the side of all stakeholders to deliver valuable work and creating shared value. Therefore, BCA is committed to continuously engaging and empowering communities through Bakti BCA Program.
A. Community Empowerment
To enhance the economic growth of Bakti BCA's fostered tourist villages, Bakti BCA collaborates with third parties in the digitalization of Bakti BCA's assisted villages program, resulting in the establishment of online shops since 2020, including Wirawisata Goa Pindul, Desa Wisata Pentingsari, Wisata Wayang Desa Wukirsari, Desa Wisata Tamansari, Doesoen Kopi Sirap, Kampung Batik Gemah Sumilir, Bukit Peramun, Wisata Aik Rusa Berehun, Kampung Adat Sijunjung, and Nagari Silokek.
BCA has 14 assisted tourism villages and also trusted by the Ministry of Tourism and Creative Economy (Kemenparekraf) to assist 12 BCA Partner Villages to transform into new leading tourist destinations.
Bakti BCA also assists micro, small, and medium-sized enterprises (MSMEs) outside Bakti BCA's fostered villages through financial management and business development strategy training and introducing the marketplace to MSMEs in West Belitung, East Belitung, and West Nusa Tenggara.
B. Quality Education
In supporting higher quality education in Indonesia that can be accessible to all students in the country, BCA has held several education and scholarship programs for high-achieving students in the country through the Bakti BCA Scholarship Program, Business & Banking Education Program (PPBP), Information Technology Education Program (PPTI), and BCA assisted schools.
C. Financial Literacy & Inclusion
BCA carries out a smart solution program that aims to spread the culture of saving and managing finances early on, with coverage reaching areas in Indonesia that are considered unbankable. This program is implemented in collaboration with educational institutions to introduce communities to banking products and services.
D. Preservation of Indonesian Arts, Culture & Traditions
BCA’s commitment to preserve Indonesian arts, culture, and traditions has been carried out since 2019. The program includes competitions, appreciation/awards for art publications, and more. In carrying out the preservation of Indonesian arts, culture, and traditions, BCA directly involves the younger generation and utilizes digital platforms to optimize the results. BCA engages the younger generation to actively participate in the preservation process by adapting to the current language variety, adopting the mindset of the younger generation, and involving influencers. This preservation program covers many regions in Indonesia. One of the cultural preservation efforts undertaken by BCA is the preservation of wayang art.
E. Health and Community Welfare
One of BCA's concerns for the community is providing health services facilities, including cataract surgeries, Bakti BCA blood donation, free medical treatment, health education, accelerated stunting reduction program, and COVID-19 vaccination programs.
BCA's Materiality Issue Approach Through Understanding with Stakeholders
At BCA, we believe that sustainability is the foundation of long-term value creation for all stakeholders. To ensure that our strategy remains relevant and impactful, we conduct a comprehensive and structured Materiality Assessment process. This process is not only a reporting obligation, but also a vital strategic tool for identifying, prioritizing, and managing the environmental, social, and governance (ESG) issues that are most significant to our business, as well as to society and the environment.
Our Comprehensive Materiality Issue Assessment Process
Our commitment to transparency and accountability is reflected in our robust materiality assessment process, which is conducted annually.
Measuring Our External Impact: Impact Valuation for Stakeholders
As a manifestation of double materiality, we not only focus on internal impact, but also actively measure the external impact of our activities on society and the environment. We conduct impact valuation to translate our operational output into measurable external impact.
Continuous Improvement: This process is updated annually to remain adaptive to business dynamics, regulatory developments, and global stakeholder expectations.
| Materiality Issue for External Stakeholder | Customer Data Protection and Information System Resilience | Responsible Financing |
| External Stakeholder(s)/Impact Area(s) Evaluated | Consumers/End-users & Society | Environment & Consumers/end-users |
| Topic Relevance on External Stakeholders | 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. | 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. |
| Type of Impact | Positive | Positive |
| Output Metric | The target of zero data breaches or no significant data breach incidents reported during the reporting period was achieved, reflecting the effectiveness of our security management system. | A significant increase in the financing portfolio for Environmentally Conscious Business Activities (KUBL) and other sustainable sectors, in line with the targets of the Sustainable Finance Action Plan (SFAP). |
| Impact Valuation | In strengthening the management of data security and customer privacy, BCA has implemented an integrated monitoring system at various levels. This involves the Information Technology Security Group (ISG), which monitors and reports data security conditions directly to the Vice President Director. BCA conducts audits of privacy policy compliance and cybersecurity systems every three years. During the reporting period, there were no data breaches or reports of data misuse. In addition, the Bank also ensures that cybersecurity policies and practices are effectively implemented to maintain system integrity. | Monitoring and evaluation of the green loan portfolio is carried out along with monitoring the sustainable finance implementation. The monitoring process is conducted quarterly and reported regularly to the Board of Directors and Board of Commissioners. In addition, discussions related to sustainable finance achievement and implementation as per the SFAP are also presented to stakeholders through analyst meetings. In particular, the management of the green loan portfolio is under the direct supervision of the Director of Finance and Corporate Planning. |
| Impact Metric | A decrease in the risk of financial loss for customers and an increase in the sense of security in using digital banking services, as reflected in the absence of reports of significant losses due to data security incidents and an increase in the customer satisfaction/trust index.
An increase in customer adoption and trust in BCA's digital channels, as reflected in:
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Contributing to carbon emission reduction and avoidance through green financing and creating social benefits in the form of increased access to sustainable financing that supports the green economy transition.
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