Sustainability Strategy and Governance
Sustainable Finance Action Plan
To support sustainability governance, BCA has a special work unit, Environmental Social and Governance (ESG) Subdivision. Sustainability performance is reported periodically to the Director of Planning & Finance and the President Director. In addition, BCA sets sustainability KPIs in each work unit and joint KPIs for the entire Board of Directors, in line with the ESG roadmap from the OJK. The sustainability strategy emphasizes three aspects.
Financing of sustainable business activities
Internal Capacity Development
Adjustments to organization, risk management, governance and/or standard operating procedures
Key Performance Indicators
The implementation and management of sustainability aspects are part of the responsibilities of each work unit, under the supervision of the Board of Commissioners and the Board of Directors. To support the implementation of LST in line with the OJK roadmap, BCA has established Key Performance Indicators (KPIs) related to sustainability in each work unit, including joint KPIs for the entire Board of Directors. Through these KPIs, BCA strengthens internal accountability and encourages the consistent implementation of sustainability strategies throughout the organization.
Board of Directors Performance Assessment Criteria
The variable remuneration of the Board of Directors including the President Director (CEO) is linked to predefined corporate performance indicators set out in the Bank Business Plan (RBB) 2025 and structured across four Balanced Scorecard perspectives. Capital-efficiency measures Return on Assets (ROA) and Return on Equity (ROE) serve as the primary financial-return metrics, in line with internationally recognized practice.
Financial
Customer
Internal Business Process
Learning & Growth
Collegial KPI of the Board of Directors
| Category | KPI | Metric / Target RBB 2025 | ESG/C | Achievement |
|---|---|---|---|---|
| Financial | Return on Assets (ROA) | 3.6% – 3.8% | C | ✔ |
| Return on Equity (ROE) | 21% – 23% | C | ✔ | |
| Loan Growth | 6% – 8% | C | ✔ | |
| CASA Growth | 6% – 8% | C | ✔ | |
| OPEX Growth | < 10.6% | C | ✔ | |
| PAT Growth | > 3.2% | C | ✔ | |
| LDR (Parent Only) | < 80% | C | ✔ | |
| LAR (Parent Only) | 5.2% – 5.6% | C | ✔ | |
| Customer | Customer Growth | New customers; % of zero balance | C | ✔ |
| Customer Engagement & Satisfaction | CE Active 4.70; Halo BCA 97.5% satisfactory | S | ✔ | |
| Internal Business Process | Bank Soundness Level | Maintaining at Rating 1 | G | ✔ |
| Cyber Crime, Data Leakage & Social Engineering Risk Mitigation | No major incident; Cyber Security Maturity (SEOJK) | G | ✔ | |
| Personal Data Protection Compliance | ROPA & DPIA Self-Assessment in BCA | G | ✔ | |
| ESG Implementation | Align OJK Roadmap; sustainable finance target growth 6%; ESG Rating min. A | E | ✔ | |
| Learning & Growth | Leadership Succession (Executive Officers) | 95% achievement | S | ✔ |
| Key Talent Development | Key Talents developed (hands-on) | S | ✔ | |
| Leader Strengthening (BCA Leader+ advisory, new leader mentoring) | Targeted leaders developed per plan | S | ✔ |
Classification: (C) Corporate (E) Environmental (S) Social (G) Governance
✔ Achievement applicable & measured