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Financial Inclusion

BCA is committed to making it easy to manage finances by providing innovative, secure, and accessible banking products and services, especially for the unbankable.

Expanding Access, Reaching More People

Our efforts to expand our service coverage are not only focused on urban centers. BCA continues to strive to get closer to communities in various regions, including frontier, outermost, and disadvantaged areas (3T).

Physical Network Expansion

BCA has operated 28 branch offices in the 3T region, ensuring a physical presence to directly serve the needs of the community.

Accessibility and Inclusion

BCA provides accessibility to create a convenient and equal banking experience for everyone. We provide ATM Wicara with voice guidance for visually impaired customers, as well as the HearMe Program that serves the deaf community with sign language.

Digital Banking Innovation

Developing a digital banking platform to ensure that BCA services can be accessed anytime, anywhere.

Distribution of People's Business Credit (KUR)

Distribution of BCA KUR 2025

Rp656.7 billion

Up 31% YoY

BCA participates in the empowerment of People's Business Credit (KUR) in line with government programs.

The distribution of credit is focused on businesses that have a sustainable economic impact, such as the handicraft sector, processed agricultural products, livestock, and nurseries that are able to encourage community activity and creativity.

Product Solutions for Everyone

As part of its commitment to financial inclusion, BCA provides a variety of savings products specifically designed to meet the needs of various segments of society.

Number of Tabunganku Accounts

2,281 Thousand

Frequency of Transactions

155,316 Thousand

TabunganKu A savings product with no monthly administration fees (non-cost saving account), TabunganKu is the ideal solution for low-income individuals. This product aims to encourage a culture of saving in an easy, safe, and affordable way.

Number of SimPel Accounts

223 Thousand

Transaction Frequency

325 Thousand

Simpanan Pelajar (SimPel) targets the younger generation, providing a simple savings solution accompanied by education on the importance of developing savings habits from an early age. This is the first step in introducing students to the world of banking.

Number of Tahapan Xpresi Accounts

20,700 Thousand

Frequency of Transactions

3,811,406 Thousand

Tahapan Xpresi for the dynamic and digitally savvy younger generation, Tahapan Xpresi offers modern banking services with creative and diverse card designs. This product is designed to support their digitally connected lifestyle needs.

Digital Convenience at Your Fingertips

BCA understands that in the digital age, simplifying the account opening process through digital platforms can make it easier for people to enter the banking ecosystem.

This initiative can have a positive impact by accelerating the completion of financial transactions for millions of Indonesians.

Customers can open an account online through

Customers can open accounts with digital platform partners