Annual Report PT BCA FINANCE Tahun 2012

2012 ANNUAL REPORT

LAPORAN TAHUNAN 2012

Trusted Partnersfor The FOCUS Growth

Coming together is a beginning,Keeping together is progress,Working together is success.

Henry Ford

Laporan Tahunan Annual Report BCA Finance 2012 1

PENDAHULUAN /PREFACE

Tema 2012 / 2012 Theme

Pokok-Pokok Kinerja Tahun 2012 / Performance Highlight 2012

Visi dan Misi / Vision and Mission

Nilai-Nilai Perusahaan / Corporate Values

DATA PERUSAHAAN / COMPANY DESCRIPTION

Profil Perseroan / Company Profile

Profil Dewan Komisaris dan Komite-Komite Di Bawah Dewan Komisaris / Profile of Board of Commissioners and Committees Under the Board of Commisioners

Profil Dewan Direksi / Board of Directors Profile

Profil Pemegang Saham / Shareholders Profile

Penyertaan Perseroan Pada Perusahaan Lain / The Companys Investments In Other Companies

Struktur Organisasi BCA Finance / BCA Finances Organization Structure

Strategi BCA Finance / BCA Finances Strategies

Testimoni Konsumen / Customer Testimonials

Testimoni Dealer / Dealer Testimonials

Kaleidoskop BCA Finance 2012 / BCA Finances Kaleidoscope 2012

LAPORAN KOMISARIS DAN DIREKSI / COMMISIONERS AND DIRECTORS REPORT

Laporan Presiden Komisaris / President Commissioners Report

Laporan Presiden Direktur / President Directors Report

IKHTISAR DATA KEUANGAN PENTING / KEY FINANCIAL HIGHLIGHT

Ikhtisar Keuangan / Summary of Financial Highlight

Informasi Obligasi / Bond Information

ANALISA DAN PEMBAHASAN MANAJEMEN / MANAGEMENT ANALYSIS AND DISCUSSION

Tinjauan Pasar dan Strategi / Market Review and Strategies

Laporan Usaha / Business Report

5.2.1 Operasional / Operational

5.2.2 Pemasaran dan Pengelolaan Piutang / Marketing and Account Receivable Management

5.2.3 Teknologi Informasi / Information Technology

5.2.4 Sumber Daya Manusia / Human Resources

Analisa Pembahasan Manajemen / Management Analysis Discussion

Menyongsong Tahun 2013 / Welcoming 2013

TATA KELOLA PERUSAHAAN / GOOD CORPORATE GOVERNANCE

Laporan Tata Kelola Perusahaan / Good Corporate Governance Report

Penerapan Manajemen Risiko / Application of Risk Management

TANGGUNG JAWAB SOSIAL PERUSAHAAN / CORPORATE SOCIAL RESPONSIBILITY

ALAMAT JARINGAN USAHA / BUSINESS NETWORK

TANGGUNG JAWAB ATAS LAPORAN TAHUNAN DAN LAPORAN KEUANGAN / RESPONSIBILITY FOR ANNUAL REPORTING AND FINANCIAL STATEMENTS

LAPORAN KEUANGAN 2012 / FINANCIAL REPORT 2012

2

4

8

10

14

16

20

24

31

32

34

36

37

38

46

49

54

59

67

71

74

76

84

92

110

114

147

155

157

161

164

BAB I

BAB II

BAB III

BAB IV

BAB V

BAB VI

BAB VII

BAB VIII

BAB IX

BAB X

1.1

1.2

1.3

1.4

2.1

2.2

2.3

2.4

2.5

2.6

2.7

2.8

2.9

2.10

3.1

3.2

4.1

4.2

5.1

5.2

5.3

5.4

6.1

6.2

DAFTAR ISI TABLE OF CONTENTS

2 Laporan Tahunan Annual Report BCA Finance 2012

1.1TEMA 20122012 THEME

BAB IPENDAHULUANPREFACE

Sepuluh tahun lebih BCA Finance secara konsisten menjaga pertumbuhan bisnis dan profitabilitasnya yang terlihat dari trend pertumbuhan pelepasan pembiayaan baru dan laba Perseroan yang terus meningkat setiap tahunnya. Gejolak perekonomian yang terjadi di tahun 2000, 2006, 2008 maupun pemberlakuan regulasi berupa penetapan minimum uang muka atau Down Payment (DP) dan kewajiban mendaftarkan fidusia ditahun 2012 dilalui Perseroan dengan tetap berhasil meningkatkan pertumbuhannya diatas 20%. Hal ini membuktikan bahwa Perseroan cukup adaptif dan antisipatif dalam menghadapi perubahan kondisi perekonomian yang tidak menentu. Keberhasilan Perseroan untuk terus bertumbuh ini juga tidak terlepas dari dukungan Induk Perusahaan, PT Bank Central Asia, Tbk.

Perjalanan di tahun 2012 telah berhasil dilalui BCA Finance dengan baik. Di tahun ini pula ketahanan perekonomian Indonesia dalam menghadapi ketidakstabilan perekonomian dunia semakin teruji, hal ini tercermin dari perekonomian Indonesia yang dapat pulih dengan relatif cepat pasca krisis ekonomi yang melanda perekonomian global di tahun

For over ten years BCA Finance has consistently maintained its business growth and profitability, as evidenced from its growth trend of new financing and its increasing earnings every year. Economic turbulence in 2000, 2006, 2008 and the imposition of both minimum Down Payment (DP) regulation and mandatory fiduciary registration in 2012 were successfully passed, evidenced from its growth by more than 20%. This proves that the Company is adaptive and anticipative to face the uncertainty in the changing economic conditions. The Companys key of success to keep growing is inseparable from the support from its Parent Company, PT Bank Central Asia, Tbk.

Journey in 2012 was successfully passed by BCA Finance. This year Indonesias economic resilience in facing the instable world economy was tested, reflected from relatively fast recovery post global economic crisis

2008 lalu. Keadaan ini terus berlanjut sampai dengan tahun 2012, kondisi perekonomian berkembang semakin stabil, tercermin dari meningkatnya pertumbuhan ekonomi berada diangka 6,4% dan pergerakan suku bunga yang tidak terlalu fluktuatif dengan BI rate yang tetap terjaga stabil di angka 5,75%. Ditahun 2012, industri otomotif pun telah kembali bangkit dan mencatatkan angka pertumbuhan penjualan mobil nasional yang cukup signifikan, yaitu mencapai angka 1,16 juta atau naik 24,8% dibanding penjualan tahun sebelumnya. Sejalan dengan meningkatnya penjualan mobil baru nasional, BCA Finance berhasil mencetak pertumbuhan penyaluran pembiayaan kendaraan sebesar 20,65%.

Melanjutkan tema Operational Excellence pada tahun 2011, BCA Finance mencanangkan Toward Greatness pada tahun 2012. Tema ini adalah tema jangka panjang untuk lima tahun kedepan bahwa pertumbuhan dan perkembangan Perseroan yang telah dicapai dalam sepuluh tahun terakhir perlu dijaga daya tahan dan keberlanjutannya (Sustainability Growth and Continuous Improvement). Melalui tema Toward Greatness, Perseroan kembali

in 2008. Indonesias strong economic resilience was maintained until 2012 and it surprisingly became more stable, as reflected from its economic growth at the figure 6.4% and less volatile interest rate fluctuation with stable BI rate at 5.75% in 2012. The automotive industry in 2012 surged and recorded a significant growth of national car sales which reached 1.16 Million units of 24.8% higher than the figure in the previous year. Along with the increasing national car sales, BCA Finance successfully recorded a new financing growth of 20.65%.

Continuing the theme of Operational Excellence in 2011, BCA Finance proclaimed Toward Greatness in 2012. This is a long-term theme for the five years, proclaiming that the Companys growth and development in the past decade need to be sustained, in another word, maintaining sustainable growth and continuous improvement. With the theme Toward Greatness, The Company

TOWARDGREATNESS

TOWARDGREATNESS


1.1TEMA 20122012 THEME

memperkuat sumber daya dan infrastruktur dalam memastikan kemajuan dalam menunjang pertumbuhan dan perkembangan bisnis. Faktor sumber daya manusia kembali menjadi fokus utama di tahun 2012. Dimulai dengan pemetaan sumber daya yang ada, kemudian memberikan bekal pelatihan yang memadai serta perekrutan yang terfokus pada visi Perseroan maka diharapkan Perseroan mampu memiliki sumber daya manusia yang disiplin, diikuti dengan cara berpikir yang disiplin pula. Dalam jangka pendek, peningkatan kemampuan sumber daya ini pada akhirnya diharapkan dapat meningkatkan produktivitas, efektivitas, dan efisiensi proses yang telah dan terus dibangun ditambah dengan kinerja yang tinggi dan penanganan kredit bermasalah yang cepat membuat biaya operasional menjadi sangat kompetitif.

Toward Greatness juga mengarahkan Perseroan untuk mereview dan memperkuat fokus bisnis dengan visi Perseroan. Hal tersebut menjadi tantangan tersendiri untuk dirumuskan secara tepat dalam menciptakan daya tahan dan keberlanjutan pertumbuhan Perseroan lima tahun kedepan. Pada akhirnya, strategi dan

re-strengthened its resources and infrastructures to ensure the progress in supporting the growth and development of the business. Human Capital reemerged to become the main focus in 2012. Starting with the mapping of existing human resources, followed with the provision of adequate trainings and recruitment focusing on the Companys vision, the Company expected to have disciplined human resources. In short term, human resources improvement was expected to improve productivity, effectiveness, and process efficiency which had been established. Accompanied with high performance and prompt handling of overdue receivables, operational costs were expected to be more competitive.

Toward Greatness also showed directions to the Company to review and strengthen its business focus to be aligned with its vision. It became a particular challenge for the Company to precisely formulate its resilience and sustainable growth for the next five years. At the end, strategies and

fokus yang telah ditentukan dengan sumber daya dan infrastruktur yang terus dibangun menjadi kata kunci terakhir bagi keberhasilan Toward Greatness. Pada tahun 2012, eskalasi di lini bisnis menjadi fokus utama dengan membangun kebiasaan disiplin eskalasi bagi para marketing dan sales. Hal ini akan terus dibangun dan diperkuat pada tahun-tahun mendatang dan diperluas pada fungsi-fungsi support.

Jaminan kinerja perusahaan yang terus bertumbuh memberikan keyakinan kepada lembaga pemeringkat rating yakni Pefindo & Fitch untuk terus meningkatkan peringkat perusahaan dan surat hutang yang diterbitkan Perusahaan menjadi AA+. Hal ini membuat dukungan pendanaan yang diberikan kreditur baik dari industri perbankan maupun publik meminta imbal hasil yang sangat kompetitif. Demikian pula dukungan dari PT Bank Central Asia, Tbk sebagai induk perseroan. Sinergi ini mendukung dan menjamin keberlanjutan strategi BCA Finance sebagai perusahaan dengan Most Competitive Price di pasar.

focuses which had been defined along with human resources and developing infrastructures will become the final keyword to achieve Toward Greatness. In 2012, an escalation in the line of business became the main focus by establishing the habits of discipline escalation for marketing and sales. This will continue to be built and strengthened in the following years and it will be supported by the expansion of support functions.

The companys guaranteed performance growth assured the rating agencies Pefindo & Fitch to continue to improve its ratings and debt securities issued by the Company to AA +. This gives an extra funding support from creditors, either from banking industries or public with who demands competitive returns; similarly, supports of PT Bank Central Asia, Tbk as the parent company. This synergy supports and ensures the long term strategy of BCA Finance to offer the Most Competitive Price in the market.

Sejalan dengan Toward Greatness yang merupakan tema dalam mengiringi langkah perjalanan BCA Finance di tahun 2012, Perseroan terus menyempurnakan penerapan program Key Performance Indicator, bagi setiap divisi sampai individu agar terus fokus pada sasaran strategi yang tepat.

In line with Toward Greatness theme, which accompanied BCA Finances journey in 2012, the Company consistently refines the implementation of Key Performance Indicator Program from division level to individual level to focus on the right strategic objectives.


1.2POKOK-POKOK KINERJA TAHUN 2012PERFORMANCE HIGHLIGHT 2012

Jumlah pembiayaan baru dalam unit di tahun 2012 meningkat 23.401 unit atau 16,9% dari tahun sebelumnya.

Jumlah pembiayaan baru dalam nilai di tahun 2012 meningkat sebesar Rp 4.209 Miliar atau meningkat 20,7% dari tahun sebelumnya.

In 2012, total new financing in Indonesian Rupiah (IDR) increased by IDR 4,209 Billion or rose 20.7% from the previous year.

In 2012, total new financing in unit increased by 23,401 units or 16.9% higher than the previous year.

200,000 -

150,000 -

100,000 -

50,000 -

0 -

JUMLAH PEMBIAYAAN BARU DALAM UNITTOTAL NEW FINANCING IN UNIT

2008 2009 2010 2011 2012

78,042 86,654 138,218 161,619101,792UnitUnit

JUMLAH PEMBIAYAAN BARU DALAM NILAITOTAL NEW FINANCING IN VALUE

25,000 -

20,000 -

15,000 -

10,000 -

5,000 -

0 -2008 2009 2010 2011 2012

Rp MilliarIDR Billion

9,211 11,425 20,381 24,59014,987



Total asset kelolaan di tahun 2012 mengalami peningkatan sebesar Rp 6.814 Miliar atau 29,4% dari tahun sebelumnya.

Jumlah kontrak di tahun 2012 mengalami peningkatan sebanyak 67.635 kontrak atau 27,6% dari tahun sebelumnya.

Number of contracts in 2012 increased by 67,635 contracts or rose 27.6% from the previous year.

Total Managed Asset in 2012 increased by IDR 6,814 Billion or rose 29.4% from the previous year.

JUMLAH KONTRAKNUMBER OF CONTRACTS

350,000 -

300,000 -

250,000 -

200,000 -

150,000 -

100,000 -

50,000 -

0 -2008 2009 2010 2011 2012

KontrakContracts

125,292 161,255 245,268 312,903191,182

TOTAL ASET KELOLAANTOTAL MANAGED ASSET

35,000 -

30,000 -

25,000 -

20,000 -

15,000 -

10,000 -

5,000 -

0 -2008 2009 2010 2011 2012

Rp MilliarIDR Billion

9,701 12,747 23,202 30,01616,725


Laba sebelum manfaat pajak meningkat 8,6% menjadi sebesar Rp 973 Miliar

Laba komprehensif meningkat 9,1% menjadi sebesar Rp 731 Miliar

Definisi piutang bermasalah Perseroan adalah piutang yang menunggak lebih dari 30 hari (balance overdue). Jumlah piutang bermasalah di tahun 2012 berhasil dijaga di bawah angka 1%, yakni 0,60 %.

The Company defines Non Performing Loan as receivables with balance overdue more than 30 days. The Companys Non Performing Loan ratio in 2012 was maintained below 1%, to be exact 0.60%.

Income before tax benefit rose to IDR 973 Billion, experiencing an increase of 8.6% from the previous year.

Comprehensive income rose to IDR 731 Billion, experiencing an increase of 9.1% from the previous year.


JUMLAH PIUTANG BERMASALAHNON PERFORMING LOAN

1.00% -

0.80% -

0.60% -

0.40% -

0.20% -

0.00% -2008 2009 2010 2011 2012

% 0.80% 0.68% 0.44% 0.60%0.52%

1,000 -

800 -

600 -

400 -

200 -

0 -

LABA KOMPREHENSIF & LABA SEBELUM MANFAAT PAJAKCOMPREHENSIVE INCOME AND INCOME BEFORE TAX BENEFIT

2008 2009 2010 2011 2012

193 278 388 542 577 768 670 896 731 973Rp Milliar

IDR Billion


Imbal hasil ekuitas rata-rata mengalami kenaikan sebesar 4,16% menjadi 54,06%

Imbal hasil aset rata-rata mengalami penurunan sebesar 2,15% menjadi 17,12%

The Companys Return on Average Asset (ROAA) experienced a slight decrease of 2.15% to 17.12%.

The Companys Return on Average Equity (ROAE) rose to 54.06%, experiencing an increase of 4.16% from the previous year.


IMBAL HASIL EKUITAS RATA-RATARETURN ON AVERAGE EQUITY (ROAE)

70% -

60% -

50% -

40% -

30% -

20% -

10% -

0% -2008 2009 2010 2011 2012

% 41.01% 57.44% 49.90% 54.06%56.86%

IMBAL HASIL ASET RATA-RATARETURN ON AVERAGE ASSET (ROAA)

25% -

20% -

15% -

10% -

5% -

0% -2008 2009 2010 2011 2012

% 13.14% 21.62% 19.27% 17.12%21.60%


Menjadi perusahaan terkemuka dalam industri pembiayaan di Indonesia yang memberikan NILAI TERBAIK kepada para stakeholders.

Perusahaan Terkemuka Terkemuka berarti menjadi yang terdepan dalam memberikan nilai yang unggul dan berkelanjutan dalam jangka panjang kepada para stakeholders, sebagaimana dijabarkan dalam pernyataan misi kami.

Industri Pembiayaan di Indonesia BCA Finance memfokuskan diri pada industri mulfinance, sekalipun portofolio pembiayaan saat ini didominasi oleh pembiayaan untuk mobil. BCA Finance akan mendiversifikasi produk-produknya untuk mempertahankan tingkat pertumbuhannya.

Memberikan NILAI TERBAIK kepada para stakeholders Kalimat ini didefinisikan lebih lanjut dalam pernyataan misi kami.

To become the leading company in financing industry in Indonesia delivering the BEST VALUES to our stakeholders.

The leading company Leading means running at the forefront in sustainable and superior values to stakeholders, as identified in our mission statements.

In financing industry in Indonesia BCA Finance considers multifinance industry as its playing ground, even though our current financing portfolio are dominated by car financing. BCA Finance will develop diversified financing products beyond car financing in order to sustain its growth.

Delivering the BEST VALUES to our stakeholders This statement is further defined in our mission statements.

VISI Vision

1.3VISI DAN MISIVISION AND MISSION


Kami memberikan NILAI TERBAIK untuk memuaskan para pelanggan sebagai pilihan utama mereka dengan memberikan produk dan jasa yang berkualitas tinggi, inovatif, dan handal.

Kami memberikan NILAI TERBAIK kepada para rekan distribusi dengan mengembangkan hubungan saling percaya dan partnership menang-menang yang terfokus pada pertumbuhan yang berkesinambungan.

Kami memberikan NILAI TERBAIK kepada para pemegang saham dan kreditur dengan menciptakan pertumbuhan keuangan dan tingkat pengembalian yang dapat dipertahankan dalam jangka panjang dengan tingkat risiko yang dapat diterima.

Kami memahami tanggung jawab sosial kami sebagai korporat dan memberikan NILAI TERBAIK kepada masyarakat dengan secara aktif berkontribusi terhadap kesejahteraan mereka.

We deliver the BEST VALUES to delight our customers as their preferred choice by providing high quality, innovative and reliable products and services.

We deliver the BEST VALUES to our distribution partners by developing trusting relationship and win-win partnership which focuses on continuous growth.

We deliver the BEST VALUES to our shareholders and creditors by creating sustainable financial growth and return at acceptable risk.

We understand our social responsibility as a corporate citizen and deliver the BEST VALUES to our community by actively contributing to its welfare.

MISI Mission

Kami yakin bahwa hasil-hasil yang dapat dipertahankan dalam jangka panjang untuk para stakeholders hanya dapat dicapai dengan memberikan NILAI TERBAIK kepada orang-orang kami dengan merekrut, mengembangkan dan memberikan imbalan kepada orang-orang yang berkompetensi tinggi dan menciptakan iklim kerja yang kondusif di mana orang-orang dapat bertumbuh dan berinovasi.

Kami memberikan NILAI TERBAIK kepada para supplier dengan memperlakukan mereka secara fair dan prinsip menang-menang.

We believe that sustainable results to our stakeholders can only be achieved by delivering the BEST VALUES to our people by recruiting, developing and rewarding highly competent people, and creating a conducive work climate in which our people can grow and innovate.

We deliver the BEST VALUES to our supplier by giving fair and win-win treatment.

1.3VISI DAN MISIVISION AND MISSION


1.4NILAI-NILAI PERUSAHAANCORPORATE VALUES

Nilai-nilai perseroan adalah pedoman bagi manajemen dan seluruh karyawan BCA Finance yang perlu diwujudkan dalam bentuk tindakan dan perilaku yang sesuai secara konsisten setiap harinya.

Mengembangkan kerjasama dengan meyakinkan orang lain dan mampu untuk menyampaikan informasi dengan jelas serta menyelesaikan perbedaan pendapat dengan komunikasi yang terbuka dengan kesadaran bahwa keberhasilan unit atau organisasi tidak bergantung pada seseorang saja.

Developing teamwork by convincing other people, being able to convey information clearly and solving disagreements with open communications while realizing that the success of the unit or organization does not depend on one person only.

Mengidentifikasikan berbagai kondisi yang berdampak pada kualitas pelayanan dengan menetapkan standar mutu, melaksanakan perkerjaan berdasarkan standar tersebut dan meningkatkannya secara berkesinambungan.

Membangun dan menjaga hubungan dengan pelanggan serta berupaya untuk memahami kebutuhannya, dan menyediakan solusi yang dapat memenuhi harapan pelanggan.

Nilai-Nilai BCA Finance disingkat menjadi FOCUS dengan kepanjangan berikut ini : FIRST-CLASS TEAMWORK

ORIENTATION TO QUALITYCUSTOMER FOCUSUNCOMPROMISED INTEGRITYSTRIVING FOR EXCELLENCE

Our Company Values are the guidelines which need to be practiced consistently in forms of daily actions and behaviors for management and entire employees within BCA Finance.

FIRST-CLASS TEAMWORK ORIENTATION TO QUALITY CUSTOMER FOCUS

Values of BCA Finance are abbreviated as FOCUS from :

Identifying any conditions that affect the service quality, by setting quality standards, implementing job based on those standards and improving them continuously.

Building and maintaining relationships with customers and striving to understand their needs, and providing solutions to meet their expectations.



Penerapan nilai-nilai etika, sosial, dan prosedur kerja yang standard dalam menyelesaikan pekerjaan sehari-hari.

Menetapkan target yang menantang dan berusaha untuk mencapainya serta mampu untuk memotivasi orang lain untuk mencapai tujuan yang menantang.

UNCOMPROMISED INTEGRITY STRIVING FOR EXCELLENCE

Application of ethical values, social values, and standard operating procedures in completing daily tasks.

Setting challenging targets, striving to achieve and being able to motivate others to achieve challenging goals.



FOCUS

FIRST CLASSTEAMWORK

TeamworkTransparency

Impact and InfluenceClear Communication

Care for OthersManaging Conflict

NILAI-NILAIPERUSAHAAN

CORPORATE VALUES

STRIVING FOREXCELLENCE

Stretching GoalsAchievement

Self MotivationMotivating Others

ORIENTATION TOQUALITY

Continuous Quality ImprovementAccuracy

ResponsivenessReadiness to Change

Problem AnalysisCUSTOMER FOCUS

Customer RelationshipListening to Customers

Fulfilling Customers NeedsCommitment to CustomersInternal Customer Service

UNCOMPROMISEDINTEGRITY

Integrity and Honesty Ethics

ConsistencyAccountability

Concern for the Company


FOCUS

FIRST CLASSTEAMWORK

TeamworkTransparency

Impact and InfluenceClear Communication

Care for OthersManaging Conflict

NILAI-NILAIPERUSAHAAN

CORPORATE VALUES

STRIVING FOREXCELLENCE

Stretching GoalsAchievement

Self MotivationMotivating Others

ORIENTATION TOQUALITY

Continuous Quality ImprovementAccuracy

ResponsivenessReadiness to Change

Problem AnalysisCUSTOMER FOCUS

Customer RelationshipListening to Customers

Fulfilling Customers NeedsCommitment to CustomersInternal Customer Service

UNCOMPROMISEDINTEGRITY

Integrity and Honesty Ethics

ConsistencyAccountability

Concern for the Company

Start with the end in mind.

- Stephen R. Covey


PT BCA Finance berdiri pada tahun 1981 dengan nama PT Central Sari Metropolitan Leasing Corporation (CSML). Pada awal berdirinya, pemegang saham Perseroan adalah PT Bank Central Asia dan Japan Leasing Corporation. Saat itu Perseroan masih memfokuskan usaha pada pembiayaan komersial, seperti pembiayaan mesin-mesin produksi, alat berat dan transportasi.

2.1PROFIL PERSEROANCOMPANY PROFILE

BAB IIDATA PERUSAHAANCOMPANY DESCRIPTION

BCA Finance was established in 1981 under the name PT Central Sari Metropolitan Leasing Corporation (CSML). At the beginning of its operation, the Company shareholders consisted of PT Bank Central Asia and Japan Leasing Corporation. At that time, the company still focused its business on commercial financing such as production machines, heavy equipment, and transportations.

Seiring dengan perubahan nama tersebut, BCA Finance pun semakin tumbuh dan berkembang. Hal ini tercermin dari terus meningkatnya jumlah pelepasan pembiayaan baru dan total aset kelolaan secara signifikan. Dalam tujuh tahun terakhir, Perseroan mencatat pertumbuhan lebih dari sepuluh kali lipat. Prestasi ini tidak terlepas dari dukungan penuh yang diberikan oleh Perseroan induk kami yaitu PT Bank Central Asia, Tbk.

Dalam bidang pembiayaan, sampai dengan saat ini Perseroan masih tetap fokus di sektor pembiayaan mobil dan senantiasa berupaya untuk meningkatkan pangsa pasarnya. Dari waktu ke waktu Perseroan berupaya secara terus menerus untuk meningkatkan market share, baik dengan penerapan strategi yang tepat, melakukan ekspansi pembukaan cabang-cabang baru maupun dengan memberikan pelayanan terbaik kepada para customernya. Sampai dengan Desember 2012, Perseroan telah memiliki 50 jaringan usaha yang sudah tersebar di 45 kota besar dan 26 provinsi di seluruh Indonesia.

In line with its name change, BCA Finances performance grew sharply, as reflected in the amount of new financing and total managed assets; both consistently rose from year to year. Within the last seven years, the Company recorded a growth of more than 10 times. This extraordinary achievement would not be possible without the full support from its parent company, PT Bank Central Asia, Tbk.

The company still focuses on car financing and strives to expand its market share. From time to time the Company continuously increases its market share, either by implementing the right strategy, expanding its business network by opening new branches, and providing the best service to its customers. As of December 2012, the Company has 50 business networks that spread over 45 major cities and 26 provinces across Indonesia.

Pada tahun 2001, terdapat perubahan kepemilikan saham, dimana PT Bank Central Asia, Tbk menjadi pemegang saham mayoritas, serta perubahan fokus usaha menjadi pembiayaan kendaraan bermotor, khususnya roda empatatau lebih, kemudian diikuti dengan perubahan nama dari PT Central Sari Metropolitan Leasing Corporation (CSML) menjadi PT Central Sari Finance (CSF). Terakhir, sesuai dengan Surat Keputusan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia No.C-08091 HT.01.04.TH.2005, maka per tanggal 28 Maret 2005 PT Central Sari Finance telah berubah nama menjadi PT BCA Finance.

Berdasarkan Surat Keputusan Menteri Keuangan Republik Indonesia No. 441/KMK.017/1995 tanggal 14 September 1995 dan Surat Keputusan Menteri Keuangan Republik Indonesia No. KEP-034/KM.5/2006 tanggal 20 Februari 2006, Perseroan memperoleh pembaharuan mengenai izin usaha dalam bidang usaha lembaga pembiayaan sehingga Perseroan dapat melakukan kegiatan usaha sebagai lembaga pembiayaan yang meliputi pembiayaan konsumen, kegiatan sewa guna usaha, anjak piutang, dan usaha kartu kredit.

In 2001, composition of share ownership was changed, of which PT Bank Central Asia, Tbk became the majority shareholder. In the same year the Company changed its business focus to automotive financing, especially four or more-wheels vehicles, followed by name changing from PT Central Sari Metropolitan leasing Corporation (CSML) to becoming PT Central Sari Finance (CSF). At last, pursuant to the Decree of the Minister of Law and Human Rights of the Republic of Indonesia No.C- 08091 HT.01.04.TH.2005, as of March 28th, 2005 PT Central Sari Finance changed its name to PT BCA Finance.

By the Decree of the Minister of Finance of the Republic of Indonesia No. 441/KMK.017/1995 dated September 14th, 1995 and Decree of the Minister of Finance of the Republic of Indonesia No. KEP-034/KM.5/2006 dated February 20, 2006, the Company obtained a renewed business license in financing business sector to carry on business activities as a financing institution, which includes consumer financing, leasing, factoring, and credit card.


Pencapaian dan perjalanan perseroan pun tidak terlepas dari konsistensi perseroan yang senantiasa berupaya menerapkan nilai-nilai perseroan yaitu FOCUS, yang merupakan singkatan dari First Class Teamwork, Orientation to Quality, Customer Focus, Uncompromised Integrity, dan Striving for Excellence. FOCUS merupakan pedoman dan panduan bagi manajemen dan seluruh karyawan BCA Finance yang mengatur dan mengarahkan bagaimana layaknya karyawan berpikir, berperilaku dan berinteraksi dalam lingkungan kerja setiap harinya. Dengan adanya pedoman dan panduan tersebut, terciptalah kesamaan pandangan dan pemahaman sehingga manajemen dan seluruh karyawan BCA Finance dapat bersama-sama mewujudkan visi perseroan yaitu menjadi perusahaan terkemuka dalam industri pembiayaan di Indonesia yang memberikan nilai terbaik kepada para stakeholders.

The Companys journey and achievement cannot be separated from its continuous application of its values, namely FOCUS, which is abbreviated from First Class Teamwork, Orientation to Quality, Customer Focus, Uncompromised Integrity, and Striving for Excellence. FOCUS, is the guideline for management and entire employees within BCA Finance. FOCUS regulates and directs how employees think, behave and interact properly in the workplace every day. With this guideline, there comes common view and mutual understanding, thus, management and entire employees in BCA Finance are able to realize its corporate vision, to become a foremost company in Multi-finance industry in Indonesia, of which provides the best values to its stakeholders.

2.1PROFIL PERSEROANCOMPANY PROFILE

Di tahun 2012 yang cukup menantang ini, dengan adanya beberapa kebijakan pemerintah terkait industri pembiayaan Indonesia berupa penetapan minimum uang muka dan kewajiban mendaftarkan fidusia sangat memberikan tantangan tersendiri bagi Perseroan untuk terus tumbuh meningkatkan kinerjanya. Hal ini ditunjukkan pada tahun 2012 Perseroan berhasil mencatat angka pertumbuhan pelepasan pembiayaan baru yang meningkat sebesar 20,65% dari tahun sebelumnya. Pencapaian tersebut melebihi dari target yang telah ditetapkan Perseroan. Keberhasilan tersebut telah membuktikan bahwa Perseroan telah memiliki fondasi yang kuat yang didukung oleh sumber daya manusia yang kompeten dan berdedikasi tinggi, kemampuan organisasi yang baik, jaringan usaha yang luas dan pengelolaan risiko yang baik serta sinergi positif yang telah terjalin baik dengan induk perseroan PT Bank Central Asia, Tbk.

Berikut adalah susunan Pengurus dan Eksekutif Senior BCA Finance per 31 Desember 2012 :

Pengurus

Dewan KomisarisPresiden Komisaris : Ricki Immanuel

Komisaris Independen : Drs. S. Idrus Munandar : Adhi Gunawan Budirahardjo

Dewan DirekturPresiden Direktur : Roni HaslimDirektur : Petrus Santoso Karim : Amirdin Halim : David Pangestu

Eksekutif SeniorDeputi Direktur : Rita Tjahjadi : Punto Nugroho : Kuntho Adji Wibowo : Herry M. Somantri : Suiman Agung

2012 was a challenging year, with several government policies relating to finance industry in Indonesia such as regulating minimum down payment and fiduciary registration obligation. The Company had its own challenges in this year; however, it kept increasing its performance. This was shown by its record of new financing which increased by 20.65% from the previous year. This achievement exceeded its target and has proven that the Company has strong foundations supported by highly competent and dedicated human resources, strong organizational skills, extensive business networks, risk management, as well as positive synergies that have been established with its parent company, PT Bank Central Asia, Tbk.

Following is the composition of the Board of Commissioners and Directors as well as Senior Executive of BCA Finance as of December 31st, 2012:

Board of CommissionersPresident Commissioner : Ricki Immanuel

Independent Commissioner : Drs. S. Idrus Munandar : Adhi Gunawan Budirahardjo

Board of DirectorsPresident Director : Roni HaslimDirector : Petrus Santoso Karim : Amirdin Halim : David Pangestu

Senior ExecutivesDeputy Director : Rita Tjahjadi : Punto Nugroho : Kuntho Adji Wibowo : Herry M. Somantri : Suiman Agung


RICKI IMMANUELPresiden KomisarisPresident Commissioner

DRS. S. IDRUS MUNANDARKomisaris IndependenIndependent Commissioner

ADHI GUNAWAN BUDIRAHARDJOKomisaris Independen merangkapKetua Komite AuditIndependent Commissioner and Chairman of Audit Committee

2.2PROFIL DEWAN KOMISARIS DAN KOMITE-KOMITE DIBAWAH DEWAN KOMISARIS PROFILE OF BOARD OF COMMISSIONERS AND COMMITTEES UNDER THE BOARD OF COMMISSIONERS


RICKI IMMANUELPresiden KomisarisPresident Commissioner

DRS. S. IDRUS MUNANDARKomisaris IndependenIndependent Commissioner

ADHI GUNAWAN BUDIRAHARDJOKomisaris Independen merangkapKetua Komite AuditIndependent Commissioner and Chairman of Audit Committee




Warga Negara Indonesia, lahir di Jakarta pada tahun 1956. Menyelesaikan pendidikannya di Universitas Indonesia, Jakarta pada tahun 1986. Efektif menjabat sebagai Presiden Komisaris Perseroan berdasarkan Rapat Umum Pemegang Saham Tahunan pada tahun 2011 dan terakhir diangkat kembali berdasarkan Rapat Umum Pemegang Saham Tahunan pada tahun 2012 dengan masa jabatan sampai dengan 30 Juni 2015.

Indonesian citizen, born in Jakarta in 1956. Completed his education at the University of Indonesia, Jakarta in 1986. Appointed as President Commissioner of the Company in the Shareholders General Meeting in 2011 and he was re-appointed by the Annual Shareholders General Meeting in 2012 for a period until June 30th, 2015.

Warga Negara Indonesia, lahir di Pekalongan pada tahun 1956. Menyelesaikan pendidikannya di Sekolah Tinggi Ekonomi Indonesia, pada tahun 1991. Diangkat sebagai Komisaris Independen merangkap Ketua Komite Audit Perseroan berdasarkan Rapat Umum Pemegang Saham Tahunan pada tahun 2012 dengan masa jabatan sampai dengan 30 Juni 2015.

Indonesian citizen, born in Pekalongan in 1956. Completed his education at Sekolah Tinggi Ekonomi Indonesia in 1991. He was appointed as Independent Commissioner and Chairman of the Audit Committee in Shareholders General Meeting in 2012, for a period until June 30th, 2015.

Warga Negara Indonesia, lahir di Pontianak pada tahun 1954. Meyelesaikan pendidikannya di Universitas Indonesia, Jakarta pada tahun 1981. Efektif menjabat sebagai Komisaris Independen Perseroan berdasarkan Rapat Umum Pemegang Saham Tahunan pada tahun 2011 dan terakhir diangkat kembali berdasarkan Rapat Umum Pemegang Saham Tahunan pada tahun 2012 dengan masa jabatan sampai dengan 30 Juni 2015.

Indonesian citizen, born in Pontianak in 1954. Completed his education at the University of Indonesia, Jakarta in 1981. Appointed as Independent Commissioner in Shareholders General Meeting in 2011 and he was re-appointed by the Annual Shareholders General Meeting in 2012 for a period until June 30th, 2015.

RICKI IMMANUEL Presiden Komisaris President Commissioner

ADHI GUNAWAN BUDIRAHARDJO Komisaris Independen merangkap Ketua Komite Audit Independent Commissioner and Chairman of Audit Committee

DRS. S. IDRUS MUNANDAR Komisaris Independen Independent Commissioner

Pengalaman kerja sebelumnya : 1984 - 1988 Finance Manager PT Enseval

1988 - 1989 Finance Manager PT Asiamed Bumi

1989 - 1990 Corporate Finance Manager Kalbe Group

1990 - 1993 Finance Manager PT Bank Arta Prima

1993 - 2011 Berbagai posisi di PT Bank Central Asia Tbk dengan jabatan terakhir sebagai Kepala Divisi Keuangan dan Akuntansi

Work experience:1984 - 1988 Finance Manager, PT Enseval

1988 - 1989 Finance Manager, PT Asiamed Earth

1989 - 1990 Corporate Finance Manager, Kalbe Group

1990 - 1993 Finance Manager, PT Bank Arta Prima

1993 - 2011 Various positions at PT Bank Central Asia Tbk with the last position as Head of Finance and Accounting Division

Pengalaman kerja sebelumnya : 1977 - 1978 Staff Unit Kendaraan PT Inti Salim Corp

1978 - 1979 Workshop Supervisor PT Central Sole Agen

1979 - 1979 Staf Sales Administration Department PT Central Sari Medi

1980 - 2011 Berbagai posisi di PT Bank Central Asia Tbk dengan jabatan terakhir sebagai Kepala Kantor Wilayah IX Jakarta

Pengalaman kerja sebelumnya : 1977 - 1981 Auditor Senior Kantor Akuntan Publik

Hadi Susanto Price Waterhouse & Co

1981 - 1983 Assistant to Group CEO Dharmala Group

1983 - 2005 Direktur Utama PT Bina Danatama Finance, Tbk

2005 - sekarang Komisaris Pada Beberapa Perusahaan

2008 - sekarang Direktur Independen Pada Beberapa Perusahaan

Work experience:1977 - 1981 Senior Auditor, public accounting firm

Hadi Susanto Price Waterhouse & Co.1981 - 1983 Assistant to Group CEO Dharmala Group

1983 - 2005 President Director of PT Bina Danatama Finance, Tbk

2005 - present Commissioner in various companies

2008 - present Independent Director in various companies

Work experience:

1977 - 1978 Vehicle Unit Staff, PT Inti Salim Corp.

1978 - 1979 Workshop Supervisor, PT Central Sole Agency

1979 - 1979 Sales Administration Department Staff, PT Central Sari Medi

1980 - 2011 Various positions at PT Bank Central Asia Tbk with the last position as Head of Jakarta Regional Office IX


Indonesian citizen, born in Jakarta in 1962. Completed his education at The University of Texas, Austin, Texas, USA in 1985. He was appointed as the Audit Committee of the Company in Annual Shareholders General Meeting in 2009 and re-appointed in 2012 for a period until June 30th, 2015.


Warga Negara Indonesia, lahir di Jakarta pada tahun 1962. Menyelesaikan pendidikannya di The University of Texas, Austin, Texas, USA pada tahun 1985. Diangkat sebagai Komite Audit Perseroan berdasarkan Rapat Umum Pemegang Saham Tahunan pada tahun 2009 dan diangkat kembali pada tahun 2012 dengan masa jabatan sampai dengan 30 Juni 2015.

Warga Negara Indonesia, lahir di Telukbetung pada tahun 1960. Menyelesaikan pendidikannya di Sekolah Tinggi Ilmu Ekonomi, Bandung pada tahun 1986. Diangkat sebagai Komite Audit Perseroan berdasarkan Rapat Umum Pemegang Saham Tahunan pada tahun 2012 dengan masa jabatan sampai dengan 30 Juni 2015.

Indonesian citizen, born in Telukbetung in 1960. Completed his education at Sekolah Tinggi Ilmu Ekonomi, Bandung in 1986. He was appointed as Audit Committee of the Company in Annual Shareholders General Meeting in 2012 for a period until June 30th, 2015.

RONALD DJUNAWAN PRATANATA Komite Audit Audit Committee

YOSA PRAKARSA Komite Audit Audit Committee

Pengalaman kerja sebelumnya : 1986 - 1992 Assistant Vice President ABN Amro

Bank N. V., Jakarta New York

1992 - 1998 Senior Manager PT Bank Central Asia, Tbk

1998 - 2004 Vice President Director PT BCA Finance

2005 - 2012 Berbagai Posisi (General Manager, Direktur, Komisaris) pada berbagai Perusahaan

Pengalaman kerja sebelumnya : 1986 - 1991 Analis Kredit PT Bank Central Asia, Tbk

1991 - 1993 Kepala Bagian Operasional PT Bank Central Asia, Tbk

1993 - 1995 Branch Manager PT Bank Danamon Indonesia

1995 - 1999 Kepala Kredit PT Bank Dana Asia

2001 - 2012 General Manager PT Zeta Agro Corporation

Work experience:

1986 - 1992 Assistant Vice President, ABN AMRO Bank N. V., Jakarta - New York

1992 - 1998 Senior Manager of PT Bank Central Asia, Tbk

1998 - 2004 Vice President Director, PT BCA Finance

2005 - 2012 Various positions (General Manager, Director, Commissioner) in various Companies

Work experience:

1986 - 1991 Credit Analyst, PT Bank Central Asia, Tbk

1991 - 1993 Operation Section Head, PT Bank Central Asia, Tbk

1993 - 1995 Branch Manager, PT Bank Danamon Indonesia

1995 - 1999 Head of Credit, PT Bank Dana Asia

2001 - 2012 General Manager, PT Zeta Agro Corporation


RONI HASLIMPresiden DirekturPresident Director

PETRUS SANTOSO KARIMDirekturDirector

AMIRDIN HALIMDirekturDirector

DAVID PANGESTUDirekturDirector

2.3PROFIL DEWAN DIREKSIBOARD OF DIRECTORS PROFILE


RONI HASLIMPresiden DirekturPresident Director

PETRUS SANTOSO KARIMDirekturDirector

AMIRDIN HALIMDirekturDirector

DAVID PANGESTUDirekturDirector



Warga Negara Indonesia, lahir di Medan pada tahun 1962. Menyelesaikan pendidikannya di RMIT, Melbourne, Australia pada tahun 1985. Bergabung dengan Perseroan pada tahun 2000 sebagai General Manager Pemasaran dan pada tahun 2004 diangkat sebagai Direktur Perseroan. Kemudian diangkat sebagai Presiden Direktur Perseroan sejak tahun 2008 dan terakhir diangkat kembali berdasarkan Rapat Umum Pemegang Saham Tahunan pada tahun 2012 dengan masa jabatan sampai dengan 30 Juni 2015.

Warga Negara Indonesia, lahir di Jakarta tahun 1964. Menyelesaikan pendidikannya di Universitas Tarumanagara, Jakarta pada tahun 1988 dan di Institut Pengembangan Manajemen Indonesia (IPMI), Jakarta pada tahun 2003. Bergabung dengan Perseroan pada tahun 2000 sebagai General Manager Operasional dan menjabat sebagai Direktur (non akte) pada tahun 2004. Kemudian diangkat sebagai Direktur Perseroan sejak tahun 2008 dan terakhir diangkat kembali berdasarkan Rapat Umum Pemegang Saham Tahunan pada tahun 2012 dengan masa jabatan sampai dengan 30 Juni 2015.

Indonesian citizen, born in 1964 in Jakarta. Completed his education at Tarumanagara University, Jakarta in 1988 and at Institut Pengembangan Manajemen Indonesia (IPMI), Jakarta in 2003. Joined the Company in 2000 as Operational General Manager and appointed as Director (non-certificate) in 2004. Subsequently, he was appointed as Director of the Company since 2008 and lastly re-appointed by the Annual General Meeting of Shareholders in 2012 for a period until June 30th, 2015.

Indonesian citizen, born in 1962 in Medan. Completed his education at RMIT, Melbourne, Australia in 1985. Joined the Company in 2000 as Marketing General Manager and in 2004, he was appointed as Director of the Company. Subsequently, he was appointed as President Director of the Company since 2008 and lastly re-appointed by the Annual General Meeting of Shareholders in 2012 for a period until June 30th, 2015.

RONI HASLIM Presiden Direktur President Director

PETRUS SANTOSO KARIM Direktur Director

Pengalaman kerja sebelumnya :

1989 - 1997 Wakil Pimpinan Kantor Cabang Utama PT Bank Central Asia, Tbk

1997 - 2000 Branch Manager PT Bank Tiara

2000 - 2004 General Manager Pemasaran PT BCA Finance

2004 - 2008 Direktur PT BCA Finance

2010 - sekarang Presiden Komisaris PT Central Santosa Finance


1990 - 2000 Biro - Senior Manager PT Bank Central Asia, Tbk

2000 - 2004 General Manager Operasional PT BCA Finance

2010 - sekarang Presiden Komisaris PT Central Sejahtera Insurance


Work experience :

1989 - 1997 Deputy Branch Manager (KCU), PT Bank Central Asia, Tbk

1997 - 2000 Branch Manager, PT Bank Tiara

2000 - 2004 Marketing General Manager, PT BCA Finance

2004 - 2008 Director, PT BCA Finance

2010 - Present President Commissioner, PT Central Santosa Finance

Work experience :

1990 - 2000 Bureau - Senior Manager, PT Bank Central Asia, Tbk

2000 - 2004 Operational General Manager, PT BCA Finance

2010 - Present President Commissioner, PT Central Sejahtera Insurance


Warga Negara Indonesia, lahir di Medan pada tahun 1958. Menyelesaikan pendidikannya di Universitas Nommensen, Medan pada tahun 1980 dan di Universitas Darma Agung, Medan pada tahun 1986. Bergabung dengan Perseroan sejak tahun 2003 sebagai General Manager Keuangan dan menjabat sebagai Direktur (non akte) pada tahun 2004. Kemudian diangkat sebagai Direktur Perseroan sejak tahun 2008 dan terakhir diangkat kembali berdasarkan Rapat Umum Pemegang Saham Tahunan pada tahun 2012 dengan masa jabatan sampai dengan 30 Juni 2015.

Indonesian citizen, born in 1958 in Medan. Completed his education at Nommensen University, Medan in 1980 and at Darma Agung University, Medan in 1986. Joined the Company in 2003 as Finance General Manager and appointed as a Director (non-certificate) in 2004. Subsequently, he was appointed as Director of the Company since 2008 and lastly, re-appointed by the Annual General Meeting of Shareholders in 2012 for a period until June 30th, 2015.

Warga Negara Indonesia, lahir di Bogor pada tahun 1957. Menyelesaikan pendidikannya di Universitas Delaware Technical and Community College, Amerika Serikat pada tahun 1984. Menjabat sebagai Komisaris Perseroan sejak tahun 2009 sampai dengan tahun 2011. Kemudian diangkat sebagai Direktur Perseroan pada tahun 2011 dan terakhir diangkat kembali berdasarkan Rapat Umum Pemegang Saham Tahunan pada tahun 2012 dengan masa jabatan sampai dengan 30 Juni 2015.

Indonesian citizen, born in 1957 in Bogor. Completed his education at University of Delaware Technical and Community College, USA in 1984. He appointed as Commissioner of the Company from 2009 to 2011. Subsequently, he was appointed as Director of the Company in 2011 and lastly re-appointed by the Annual General Meeting of Shareholders in 2012 for a period until June 30th, 2015.

AMIRDIN HALIM Direktur Director

DAVID PANGESTU Direktur Director


1982 - 1990 Marketing Manager PT Ektudju Group

1990 - 2003 Senior Loan Review Adviser Credit Risk Management Unit PT Bank Central Asia, Tbk

2003 - 2004 General Manager Keuangan PT BCA Finance


1984 - 1985 Programmer First National Bank of Maryland, USA

1985 - 1999 Divisi Information System PT Bank Central Asia, Tbk

1999 - 2007 Kepala Processing & Support Center PT Bank Central Asia, Tbk

2007 - 2011 Kepala Divisi Teknologi Informasi PT Bank Central Asia, Tbk


Work experience :

1982 - 1990 Marketing Manager, PT. Ektudju Group

1990 - 2003 Senior Loan Review Adviser - Credit Risk Management Unit, PT Bank Central Asia, Tbk

2003 - 2004 Finance General Manager, PT BCA Finance

Work experience :

1984 - 1985 Programmer, First National Bank of Maryland, USA

1985 - 1999 Information Systems Division, PT Bank Central Asia, Tbk

1999 - 2007 Head of Processing & Support Center, PT Bank Central Asia, Tbk

2007 - 2011 Head of Information Technology Division, PT Bank Central Asia, Tbk


2.4PROFIL PEMEGANG SAHAMSHAREHOLDER PROFILE

PROFIL PEMEGANG SAHAM

Komposisi pemegang saham PT BCA Finance per 31 Desember 2012 adalah sebagai berikut :

PT Bank Central Asia, Tbk

PT Bank Central Asia, Tbk (BCA) mulai beroperasi pada tahun 1957 dengan nama Bank Central Asia NV. BCA merupakan bank swasta terbesar di Indonesia yang melayani beragam segmen nasabah, baik nasabah individu maupun nasabah bisnis melalui jaringan perbankan elektronik dan kantor cabang yang menjangkau hampir seluruh kota besar di Indonesia.

Setelah krisis ekonomi pada tahun 1997-1998, BCA diambil-alih oleh Pemerintah dan diikutsertakan dalam program rekapitulasi dan restrukturisasi yang dilaksanakan oleh badan Penyehatan Perbankan Nasional (BPPN). Saat itu, pada tahun 2000 pengawasan terhadap BCA dikembalikan dari BPPN ke Bank Indonesia. Pemerintah Indonesia melalui BPPN menguasai 92,8% dari kepemilikan BCA. Selanjutnya, pada tahun 2000 pengawasan terhadap BCA dikembalikan dari BPPN ke Bank Indonesia. Pada tahun yang sama, BPPN melakukan divestasi 22,5% dari seluruh saham BCA melalui Penawaran Saham Publik Perdana (Initialing Public Offering/IPO) dan pada tahun 2001 melalui Penawaran Publik Kedua (Secondary Public Offering) 10% dari total saham BCA. Pada tahun 2002, Farindo Investment Investment (Mauritus) Limited mengambil alih 51% total saham BCA melalui proses tender strategic private placement. Selanjutnya, BPPN melakukan divestasi seluruh sisa saham BCA pada tahun 2004 dan 2005.

BCA merupakan salah satu bank transaksional terbesar yang memiliki jaringan elektronik yang tersebar luas di Indonesia. Melalui 1.011 kantor cabang dan 12.026 ATM BCA yang terhubung secara online di seluruh Indonesia serta layanan internet dan mobile banking, BCA memberikan kemudahan dan kenyamanan dalam bertransaksi.

Saat ini BCA dan entitas anak perusahaan didukung oleh 20.320 karyawan yang andal dan professional (per 31 Desember 2012). BCA mengelola lebih dari 11 juta rekening nasabah, memproses ratusan juta transaksi keuangan dan memenuhi kebutuhan nasabah perorangan dan perusahaan melalui beragam produk dan layanan. BCA merupakan salah satu bank terkemuka di Indonesia. BCA juga aktif menyediakan fasilitas pinjaman baik untuk nasabah individu, UKM, komersial, maupun korporasi.

Visi BCA adalah menjadi bank pilihan utama andalan masyarakat, yang berperan sebagai pilar penting perekonomian Indonesia.

SHAREHOLDER PROFILES

Following is the composition of PT BCA Finances shareholders as of December 31st, 2012 :


PT Bank Central Asia, Tbk (BCA) began its operation in 1957 with the name Bank Central Asia NV. BCA is Indonesias largest private bank, serving diverse customer segments, both individual and business customers, through a network of electronic banking and branches that reach almost all major cities in Indonesia.

After Indonesias economic crisis in 1997-1998, BCA was taken over by the Government and included in the recapitulation and restructuring program undertaken by the Indonesian Bank Restructuring Agency (IBRA). At that time, the supervision of BCA was returned from IBRA to Bank Indonesia in 2000. The Indonesian Government through IBRA controlled 92.8% of the ownership of BCA. Furthermore, in 2000 the supervision of the BCA was returned from IBRA to Bank Indonesia. In the same year, IBRA divested 22.5% of all BCA shares through Initial Public Offering (IPO), and 10% in 2001 through Secondary Public Offering 10%. In 2002, Farindo Investment (Mauritius) Limited acquired 51% of BCAs total shares through strategic private placement tendering process. Furthermore, IBRA divested the remaining shares of BCA in 2004 and 2005.

BCA is one of the biggest transactional banks with widespread electronic network in Indonesia. With 1,011 branches and 12,026 ATM machines that are connected online throughout Indonesia, BCA provides convenience and comfort in transactions.

BCA is currently supported by 20,320 reliable and professional employees. BCA manages approximately 11 million customer accounts, processes hundreds of millions of financial transactions and meets the needs of individual customers and companies through a wide range of products and extensive services. BCA is one of the leading banks in Indonesia. BCA is also active in providing loans for individual customers, SME, commercial and corporate.

BCAs vision is to be the bank of choice and a major pillar of the Indonesian economy.

Shareholders as of December 31st, 2012 Shares Percentage


BCA Finance Limited

Total

199.151.850.000

848.150.000

200.000.000.000

99,58 %

0,42 %

100,00%

Pemegang Saham per 31 Desember 2012 Saham (Rp) Persentase

PT Bank Central Asia, Tbk.

BCA Finance Limited

Jumlah

199.151.850.000

848.150.000

200.000.000.000

99,58 %

0,42 %

100,00%



Keterangan :

* Sesuai dengan Surat Bank Indonesia No. 12/21/DPB3/TPB3-7 tanggal 25 Februari

2010, Ultimate Shareholders FarIndo Investments (Mauritius) Ltd (FarIndo) adalah

Sdr. Robert Budi Hartono dan Sdr. Bambang Hartono

** Pada komposisi saham yang dimiliki masyarakat, sebesar 2,45% dimiliki oleh pihak

yang terafiliasi dengan Ultimate Shareholder; sebesar 0,02% dimiliki oleh Sdr. Robert

Budi Hartono dan 0,02% dimiliki oleh Sdr. Bambang Hartono

*** Seluruh saham yang dibeli kembali oleh PT Bank Central Asia Tbk

(treasury stock) telah dijual pada tanggal 7 Februari 2013

DEWAN KOMISARIS

Presiden Komisaris : Djohan Emir Setijoso

Komisaris : Tonny Kusnadi

Komisaris Independen : Cyrillus Harinowo

Komisaris Independen : Raden Pardede

Komisaris Independen : Sigit Pramono

DIREKSI

Presiden Direktur : Jahja Setiaatmadja

Wakil Presiden Direktur : Eugene Keith Galbraith

Direktur : Dhalia Mansor Ariotedjo

Direktur : Anthony Brent Elam

Direktur : Suwignyo Budiman

Direktur : Tan Ho Hien/Subur Tan

Direktur : Renaldo Hector Barros

Direktur : Henry Koenaifi

Direktur : Armand Wahyudi Hartono

Direktur : Erwan Yuris Ang

Note :

* In accordance with the Bank Indonesia Letter No. 12/21/DPB3/TPB3-7 dated

February 25th, 2010, Farindo Investments (Mauritius) Ltds (Farindo) Ultimate

Shareholders are Mr. Robert Budi Hartono and Mr. Bambang Hartono

** In the composition of the shares owned by the public, 2.45% is owned by a party

affiliated with the Ultimate Shareholder; 0.02% is owned by Mr. Robert Budi Hartono

and 0.02% owned by Mr. Bambang Hartono

*** The entire shares bought back by PT Bank Central Asia Tbk (treasury stock) was

sold on February 7th, 2013

BOARD OF COMMISSIONERS

President Commissioner : Djohan Emir Setijoso

Commissioner : Tonny Kusnadi

Independent Commissioner : Cyrillus Harinowo

Independent Commissioner : Raden Pardede

Independent Commissioner : Sigit Pramono

BOARD OF DIRECTORS

President Director : Jahja Setiaatmadja

Vice President Director : Eugene Keith Galbraith

Director : Dhalia Mansor Ariotedjo

Director : Anthony Brent Elam

Director : Suwignyo Budiman

Director : Tan Ho Hien/Subur Tan

Director : Renaldo Hector Barros

Director : Henry Koenaifi

Director : Armand Wahyudi Hartono

Director : Erwan Yuris Ang

Pemegang Saham BCA

FarIndo Investments (Mauritius) Ltdqualitate qua (qq) Sdr. Robert Budi Hartono dan Sdr. Bambang Hartono *

Anthony Salim

Masyarakat **

Saham yang dibeli kembali oleh PT Bank Central Asia, Tbk (treasury stock)***

Jumlah

Persentase Kepemilikan

47,15%

1,76%

50,28%

0,81%

100%

Shareholder BCA

Farindo Investments (Mauritius) Ltdqualitate qua (qq) Mr. Robert Budi Hartono and Mr. Bambang Hartono *

Anthony Salim

Public**

Shares bought back by PT Bank Central Asia, Tbk (treasury stock) ***

Jumlah

47,15%

1,76%

50,28%

0,81%

100%

Percentageof ownership

Following is the structure of BCAs shareholders, along with the Board of Commissioners and the Board of Directors as of December 31st, 2012 :

Berikut adalah susunan pemegang saham BCA serta susunan Dewan Komisaris dan Dewan Direksi BCA per 31 Desember 2012 :



Sepanjang tahun 2012 BCA berhasil memperoleh beberapa penghargaan sebagai berikut :

1. Marketeers - Markplus Insight Serv Care Indonesia - Service To Care Award 2012, Indonesia Service

to Care Champion 2012 Category : Saving Account, Conventional Banking (Assets > IDR 75

Trillion) Category : Credit Card, Conventional Banking

2. Asiamoney Best for Shareholders Rights and Equitable Treatment In Indonesia

- 2nd Place Best for Disclosure and Transparency In Indonesia 3nd Place

3. Majalah Fortune Fortune Indonesia Countries Most Admired Companies (FICMAC) 2012

The Best in Banking Industrial Sector The Best 20 Most Admired Companies in Indonesia The Third Winner in Cross Sector Industry

4. Infobank Infobank Digital Brand of The Year 2011 Category :

Digital Saving Brand (Tahapan BCA) Digital Conventional Bank Brand (BCA) Digital Housing Loan Brand (KPR BCA) Digital Credit Card Brand (Kartu Kredit BCA)

5. Infobank - MarkPlus Insight Infobank Indonesian Bank Loyalty Award (IBLA) 2012

The Best of Indonesian Bank Loyalty Champion 2012 Category : Credit Card Category : Saving Account, Conventional Banking (Asset > IDR 75

Trillion) Indonesian Bank Loyalty Champion 2012 Category : Loyalty Program for Credit Card Category : Loyalty Program for Saving Account, Conventional

Banking

6. Marketeers - Markplus Insight Indonesia Brand Champion 2012

The Best of Brand Equity Champion of Conventional Banking In acknowledgment of distinguished and prestigious achievement in building the Indonesia Brand Champion 2012

Most Popular Brand of Conventional Banking In acknowledgment of distinguished and prestigious achievement in building the Indonesia Brand Champion 2012

7. The Asset The Asset Triple A Country Awards 2011

The Best Domestic Bank, Indonesia For 2nd Conseccutive Year

8. Sembilan Bersama Media Free magazine Indonesian Inspire! Indonesian Creativity Award (ICA) 2012

Category : The Best Innovative Product ICA 2012 Category : The Best Innovative Product Jahja Setiaatmadja Presiden

Direktur

Throughout 2012, BCA obtained several awards as following :

1. Marketeers - Markplus InsightServCare Indonesia - Service To Care Award 2012, Indonesia Serviceto Care Champion 2012 Category : Saving Account, Conventional Banking (Assets>IDR 75 Trillion) Category : Credit Card, Conventional Banking

2. Asiamoney Best for Shareholders Rights and Equitable Treatment In Indonesia

- 2nd Place Best for Disclosure and Transparency International Indonesia 3rd

Place

3. Fortune MagazineFortune Indonesia Countrys Most Admired Companies (FICMAC) 2012 The Best in Banking Industrial Sector The Best 20 Most Admired Companies in Indonesia The Third Winner in Cross Sector Industry

4. InfobankInfobank Digital Brand of the Year 2011Category : Digital Saving Brand (Tahapan BCA) Digital Conventional Bank Brand (BCA) Digital Housing Loan Brand (KPR BCA) Digital Credit Card Brand (Kartu Kredit BCA)

5. Infobank - MarkPlus InsightInfobank Indonesian Bank Loyalty Award (IBLA) 2012 The Best of Indonesian Bank Loyalty Champion, 2012 Category : Credit Card Category : Saving Account, Conventional Banking (Asset > IDR 75

Trillion) Indonesian Bank Loyalty Champion 2012 Category : Loyalty Program for Credit Card Category : Loyalty Program for Saving Account, Conventional

Banking

6. Marketeers - Markplus Insight Indonesia Brand Champion 2012

The Best of Brand Equity Champion of Conventional Banking, In acknowledgment of distinguished and prestigious achievement in building the Indonesia Brand Champion 2012

Most Popular Brand of Conventional Banking, In acknowledgment of distinguished and prestigious achievement in building the Indonesia Brand Champion 2012

7. The Asset The Asset Triple A Country Awards 2011 The Best Domestic Bank, Indonesia, For 2nd Conseccutive Year

8. Sembilan Bersama Media Free magazine Indonesian Inspire!Indonesian Creativity Award (ICA) 2012 Category : The Best Innovative Product, ICA 2012 Category : The Best Innovative Product, Jahja Setiaatmadja,

President Director



9. Frontier Consulting Group - Majalah MarketingTop Brand Award 2012The Best in Mind Share and Commitment Share BCA Category : Credit Card in Recognition of Outstanding Achievement

in Building the Top Brand Category : Deposit Account Category : Mobile Banking Category : Saving Account TAHAPAN BCA Category : Home Loan Bank (KPR BCA) Category : ATM Card

10. Museum Rekor - Dunia Indonesia - SemarangPiagam Penghargaan Museum Rekor - Dunia Indonesia No. 5337/R.MURI/II/2012 Rekor Perayaan Ulang Tahun dengan Mata Acara terbanyak (77

Mata Acara)

11. Asian BankerThe International in Retail Financial Services Awards 2012 Best Retail Bank in Indonesia

12. Tera Foundation, Harian Seputar Indonesia, Frontier Consulting Group Bank dengan Jumlah Unit Terpasang EDC dan Merchant Terbanyak

di Indonesia

13. MarkPlus. Inc, MarketeersIndonesia Most Favorite Youth Brand 2012 Category : Financial Product, Regular Savings Category : Financial Product, Credit Card

14. Service Excellence Magazine, Care - Center for CustomerIndonesia Service Quality Award 2012 Category : Regular Banking - Domestic Banking For Achieving

Excellent Total Service Quality Satisfaction Based on Customer Perception Survey ISSI 2012

15. AsiamoneyAsiamoney Brokers Poll 2011 Best Domestic Provider of FX Services In Indonesia As Voted By

Corporates 3rd Place

16. Majalah Investor, Berita Satu HoldingsInvestor Best Bank 2012 Bank Umum Aset Diatas Rp100 Triliun

17. Bloomberg Businessweek Indonesia & Frontier Consulting GroupCorporate Image Award 2012 Category : Nasional Bank (Asset > 200 Trillion) Excelence in Building and Managing Corporate Image

18. Kartini Magazine & Woman Insight CenterIndonesian Women Survey 2012 Category : Saving Account for achieving No.1 Choice Brand Based

on Indonesia Woman Survey 2012

19. Majalah SWA SembadaBest Wealth Creators 2012 The 1st Rank of SWA 100 : Indonesia Best Public Companies 2012 SWA 100 : ASEAN Best Public Companies 2012 SWA 100 : Indonesia Best Public Companies 2012

9. Frontier Consulting Group - Marketing Magazine, February 6th, 2012Top Brand Award 2012The Best in Mind Share and Commitment Share, BCA Category : Credit Card, in Recognition of Outstanding Achievement

in Building the Top Brand Category : Deposit Account Category : Mobile Banking Category : Saving Account TAHAPAN BCA Category : Home Loan Bank (KPR BCA) Category : ATM Card

10. Indonesia World Record Museum - SemarangCharter Award Indonesia World Records Museum No. 5337/R.MURI II/2012 Recordfor The Highest Number of Anniversary Celebration Events

(77 events)

11. Asian BankerThe International in Retail Financial Services Awards, 2012 Best Retail Bank in Indonesia

12. Tera Foundation, Seputar Indonesia Daily, Frontier Consulting Group Bank with Most Installed EDC and Merchants in Indonesia

13. MarkPlus. Inc, MarketeersIndonesia Most Favorite Youth Brand 2012 Category : Financial Product, Regular Savings Category : Financial Product, Credit Card

14. Service Excellence Magazine, Care - Center for CustomerIndonesia Service Quality Award 2012 Category : Regular Banking - Domestic Banking For Achieving

Excellent Total Service Quality Satisfaction Based on Customer Perception Survey, ISSI 2012

15. AsiamoneyAsiamoney Brokers Poll 2011 Best Domestic Provider of FX Services In Indonesia As Voted By

Corporates, 3rd Place

16. Investor Magazine, Berita Satu HoldingsInvestor Best Bank 2012 Commercial Bank, Asset Above RP 100 trillion

17. Bloomberg Businessweek Indonesia & Frontier Consulting GroupCorporate Image Award 2012 Category : National Bank (Asset > 200 Trillion) Excelence in Building and Managing Corporate Image

18. Kartini Magazine & Woman Insight CenterIndonesian Women Survey 2012 Category : Saving Account, for achieving No.1 Choice Brand Based

on Indonesia Woman Survey, 2012

19. SWA Sembada MagazineBest Wealth Creators 2012 The 1st Rank of SWA 100 : Indonesia Best Public Companies 2012 SWA 100 : ASEAN Best Public Companies 2012 SWA 100 : Indonesia Best Public Companies 2012


20. Yayasan KEHATI - Indonesian Biodiversity Foundation 25 Listed Company In Sustainable Responsible Investment (SRI)

KEHATI INDEX for period May-October 2012

21. MRI - Marketing Research Ind. InfoBankBanking Service Excellence Awards 2012 1st BEST MOBILE BANKING 2nd BEST INTERNET BANKING 3rd BEST ATM

22. Majalah Property & BankIndonesia Property & Bank Award 2012 THE BEST INTERNET BANKING SERVICE Category : Bank BUMN / Umum Berkinerja Sangat Bagus JAHJA SETIAATMADJA CEO OF THE YEAR 2012 Category : Grand Award Indonesia Property & Bank 2012

23. Finance AsiaAsias Best Companies 2012 Best CEO Jahja Setiaatmadja BCA Indonesia - Best Managed Company (1st runner-up) - Best Corporate Governance (2nd runner-up) - Best Investors Relations (2nd runner-up) - Most Committed to a Strong Dividend Policy

24. PPM ManajemenAnugerah Manajemen PT Bank Central Asia (BCA) Tbk yang telah mengembangkan

inovasi dalam model bisnis, menjunjung tinggi nilai-nilai luhur dalam tata kelola perusahaan, dan tetap tumbuh bertumbuh-kembang hingga kini

25. Majalah SWA Indonesia Original Brands 2012 In Recognition of Its Achievements

in Building Product Category : Bank Indonesia Living Legend Brand 2012 In Recognation of Its

Achievements in Building Indonesia Living Legend Brand 55 Years Old

26. Majalah Infobank17th infobank Awards 2012 Bank Yang Berpredikat SANGAT BAGUS Atas Kinerja Keuangan

Tahun 2011

27. Majalah Tempo - Koran TempoIndonesia Banking Award 2012 Best performance Banking 2012 Kategori Bank Swasta Nasional Aset di Atas Rp 50 Trilliun

28. Majalah SWA - IpsosConsumer Banking Excellence Award 2012 As a Winner In Category of Credit Card As a Winner In Category of KPR As a Winner In Category of Priority Banking As a Winner In Category of Internet Banking As the First Winner of the Most Creative Bank in Category of Credit Card As the First Winner of the Most Creative Bank in Category of KPR As the First Winner of the Most Creative Bank in Category of

Savings Account The 1st Winner In Category of Mobile Banking The 1st Winner In Category of Savings Account Henry Koenaifi The 1st Rank of Indonesia Best Consumer Banking

Director 2012 The 1st Winner In Category of KKB

20. Yayasan KEHATI - Indonesian Biodiversity Foundation 25 Listed Company In Sustainable Responsible Investment (SRI)

KEHATI INDEX for period May-October 2012

21. MRI - Marketing Research Ind. - InfoBankBanking Service Excellence Awards 2012 1st BEST MOBILE BANKING 2nd BEST INTERNET BANKING 3rd BEST ATM

22. Majalah Property & BankIndonesia Property & Bank Award 2012 THE BEST INTERNET BANKING SERVICE Category : Bank/General, Excellent Performance JAHJA SETIAATMADJA CEO OF THE YEAR 2012 Category : Grand Award Indonesia Property & Bank 2012

23. Finance AsiaAsias Best Companies 2012 Best CEO Jahja Setiaatmadja BCA Indonesia - Best Managed Company (1st runner-up) - Best Corporate Governance (2nd runner-up) - Best Investors Relations (2nd runner-up) - Most Committed to a Strong Dividend Policy

24. PPM ManajemenAnugerah Manajemen (Management Award) PT Bank Central Asia (BCA) Tbk, which has developed innovation in

the business model, upheld noble values in corporate governance, and still been growing until now.

25. SWA Magazine Indonesia Original Brands 2012, In Recognition of Its Achievements

in Building Product Category : Bank Indonesia Living Legend Brand 2012, In Recognation of Its

Achievements in Building Indonesia Living Legend Brand 55 Years Old

26. Infobank magazine17th infobank Awards 2012 Bank with Excellent category for 2011 Financial Performance

27. Tempo Magazine - Koran TempoIndonesia Banking Award 2012 Best performance Banking 2012 Category : National Private Bank, asset above Rp 50 Trillion

28. SWA Magazine - IpsosConsumer Banking Excellence Award 2012 As a Winner In Category of Credit Card As a Winner In Category of KPR As a Winner In Category of Priority Banking As a Winner In Category of Internet Banking As the First Winner of the Most Creative Bank in Category of

Credit Card As the First Winner of the Most Creative Bank in Category of KPR As the First Winner of the Most Creative Bank in Category of

Savings Account The 1st Winner In Category of Mobile Banking The 1st Winner In Category of Savings Account Henry Koenaifi The 1st Rank of Indonesia Best Consumer Banking

Director 2012 The 1st Winner In Category of KKB



29. Marketeers, Markplusinsight - Markplus. IncIndonesias Most Favorite Women Brand 2012 Category : Financial Products, Term Deposit Category : Financial Products, Saving Account

30. SWA, MARS - Research SpecialistIndonesia Best Brand Award, Best Brand Platinum 2012 Tahapan BCA For Its Achievement of Indonesian Best Brand Award

For 5 Consecutive Years (2008 - 2012) Product Category : Saving Account BCA For Its a For Its Achievement of Indonesian Best Brand Award

For 5 Consecutive Years (2008 - 2012) Product Category : Credit Card

31. MIX Interactive, Group of SWA Media Inc.Program & People of the Year 2012 BCA Card Batik Platinum as Best Social Campaign Program 2012

32. Majalah HaiYouth Brand Award 2012 Category : Banking Service

33. Marketeers, Markplus InsightIndonesia Most Favorite Netizen Brand 2012 Tabungan BCA Category : Tabungan Klik BCA Category : Internet Banking BCA Category : Kartu Kredit

34. Frontier Consulting Group SWAIndonesian Customer Satisfaction Award Bank BCA Category : Deposit Account Tahapan BCA Category : Savings Account BCA Category : Credit Card

35. Warta Ekonomi PT Bank Central Asia, Tbk. as Indonesia Best Companies 2012 Category : The Biggest Profitable Bank

36. Survey One - Integrated Marketing Research, Majalah MarketingDigital Marketing Award 2012 Website BCA Category : Banking Great Performance Website Digital Product BCA Flazz Category : E-Wallet Great Performing Digital Product Digital Product Category : ATM Great Performing Digital Product Category : SMS Banking Great Performing Digital Product Category : Internet Banking Great Performing Digital Product

29. Marketeers, Markplusinsight - Markplus. IncIndonesias Most Favorite Women Brand 2012 Category : Financial Products, Term Deposit Category : Financial Products, Saving Account

30. SWA, MARS - Research Specialist Indonesia Best Brand Award, Best Brand Platinum 2012 Tahapan BCA For Its Achievement of Indonesian Best Brand Award

For 5 Consecutive Years (2008 - 2012) Product Category : Saving Account BCA For Its a For Its Achievement of Indonesian Best Brand Award

For 5 Consecutive Years (2008 - 2012) Product Category : Credit Card

31. MIX Interactive, Group of SWA Media Inc.Program & People of the Year 2012 BCA Card Batik Platinum as Best Social Campaign Program 2012

32. Hai MagazineYouth Brand Award 2012 Category : Banking Service

33. Marketeers, Markplus InsightIndonesia Most Favorite Netizen Brand 2012 Tabungan BCA Category : Tabungan Klik BCA Category : Internet Banking BCA Category : Credit Card

34. Frontier Consulting Group SWAIndonesian Customer Satisfaction Award Bank BCA Category : Deposit Account Tahapan BCA Category : Savings Account BCA Category : Credit Card

35. Warta Ekonomi PT Bank Central Asia, Tbk. as Indonesia Best Companies 2012 Category : The Biggest Profitable Bank

36. Survey One - Integrated Marketing Research,Marketing Magazine Digital Marketing Award 2012

Website BCA Category : Banking Great Performance Website Digital Product BCA Flazz Category : E-Wallet Great Performing Digital Product Digital Product Category : ATM Great Performing Digital Product Category : SMS Banking Great Performing Digital Product Category : Internet Banking Great Performing Digital Product



BCA Finance Limited

BCA Finance Limited (sebelumnya bernama Central Asia Capital Corporation Limited) didirikan di Hongkong pada tanggal 27 Mei 1975 yang sebagian besar sahamnya dimiliki oleh Salim Group. Perusahaan ini didaftarkan sebagai sebuah lembaga keuangan bukan bank (deposit taking company) yang bergerak dalam bidang pembiayaan trade finance dan penghimpunan deposito masyarakat (deposit taking) pada bulan April 1976.

Perusahaan ini menjadi anak perusahaan sepenuhnya dari BCA pada saat BCA membeli seluruh saham yang dimiliki oleh Salim Group pada tahun 1996. Setelah pengalihan saham dilaksanakan, maka nama perusahaan diubah menjadi BCA Finance Limited.

Setelah terjadinya perubahan pengendalian BCA oleh Farallon Capital Management LLC, Amerika Serikat, BCA Finance Limited mengubah strategi usahanya dengan mengembalikan ijin usahanya sebagai perusahaan deposit taking kepada otoritas Hongkong Monetary Authority pada bulan Maret 2004. Selanjutnya BCA Finance Limited mendapatkan ijin usaha sebagai lembaga pembiayaan (money lenders) dengan fokus bisnisnya dalam jasa pengiriman uang.

Pengurus BCA Finance Limited pada tanggal 31 Desember 2012 adalah sebagai berikut :


BCA Finance Limited

BCA Finance Limited (previously named as Central Asia Capital Corporation Limited) was incorporated in Hong Kong on May 27th, 1975, of which, Salim Group as the majority shareholder. The company was registered as a non-bank financial institution (deposit taking company) engaging in the financing of trade finance and deposit taking in April 1976.

The company was a wholly owned subsidiary of BCA when BCA acquired all of the shares owned by the Salim Group in 1996. After the transfer of the shares, the company name was changed to BCA Finance Limited.

After a change of control of BCA by Farallon Capital Management LLC, the United States, BCA Finance Limited changed its business strategy to restore its business license as a deposit-taking company to the Hong Kong Monetary Authority authorities in March 2004. Furthermore, BCA Finance Limited obtained a business license as financing institutions (money lenders) with business focus in money transfer services.

BCA Finance Limiteds Board of Directors as of December 31st, 2012 is as following :

DIREKSI

Direktur : Eva Agrayani Tjong

Direktur : Edmund Tondobala

Direktur : Andy Kwok

The BOARD OF DIRECTORS

Director : Eva Agrayani Tjong

Director : Edmund Tondobala

Director : Andy Kwok


Perseroan melakukan penyertaan pada perusahaan lain antara lain sebagai berikut :

The Company invests in the following companies :

2.5PENYERTAAN PERSEROAN PADA PERUSAHAAN LAIN THE COMPANYS INVESTMENTS IN OTHER COMPANIES

PT Bank BCA Syariah

PT Central Santosa Finance (CSF)

PT Central Sejahtera Insurance (dahulu PT Transpacific General Insurance) (CSI)

Bank

Lembaga Pembiayaan

Asuransi

0,01%

25%

25%

2009

2010

2010

Nama Perusahaan Kegiatan Usaha Kepemilikan Saham Tahun Penyertaan

PT Bank BCA Syariah

PT Central Santosa Finance (CSF)

PT Central Sejahtera Insurance (previously PT Transpacific General Insurance) (CSI)

Bank

Financing Institution

Insurance

0.01%

25%

25%

2009

2010

2010

Company Main Business Shares Owned Investing Year


KKB & CorpMarketingDirector

CreditSettlement

Head

IT, BusinessProcess &OperationDirector

CorporatePlanning, Leasing,People & Finance

Director

CSUsed CarDeputyDirector

RegionalManager

CSUsed Car

CSNew CarDeputyDirector

NationalOperation

DeputyDirector

Finance &PeopleDeputyDirector

NationalOperationDiv Head

HR &ServicesDiv Head

Finance &AccountingDiv Head

Leasing &Special

FinancingDiv Head

Corp. Risk,Planning &SecretaryDiv Head

Central OprDeputy

Div Head

Opr BranchMgt Deputy

Div Head

RegionalManager

CSNew Car

InternalAudit

Div Head

NationalCollectionDiv Head

IT &BusinessProcessDiv Head

KKBDeputyDirector

RegionalManager

KKB

CorpMarketing& Credit

Div Head

PRESIDENTDIRECTOR

LEVEL 1 | STAFF LEVEL LEVEL 2 | SECTION LEVEL LEVEL 3 | DEPT. LEVEL

LEVEL 4 | DIVISION LEVEL LEVEL 5 | DIRECTORATE LEVEL

2.6STRUKTUR ORGANISASIORGANIZATION STRUCTURE


2.6STRUKTUR ORGANISASIORGANIZATION STRUCTURE

KKB & CorpMarketingDirector

CreditSettlement

Head

IT, BusinessProcess &OperationDirector

CorporatePlanning, Leasing,People & Finance

Director

CSUsed CarDeputyDirector

RegionalManager

CSUsed Car

CSNew CarDeputyDirector

NationalOperation

DeputyDirector

Finance &PeopleDeputyDirector

NationalOperationDiv Head

HR &ServicesDiv Head

Finance &AccountingDiv Head

Leasing &Special

FinancingDiv Head

Corp. Risk,Planning &SecretaryDiv Head

Central OprDeputy

Div Head

Opr BranchMgt Deputy

Div Head

RegionalManager

CSNew Car

InternalAudit

Div Head

NationalCollectionDiv Head

IT &BusinessProcessDiv Head

KKBDeputyDirector

RegionalManager

KKB

CorpMarketing& Credit

Div Head

PRESIDENTDIRECTOR

LEVEL 1 | STAFF LEVEL LEVEL 2 | SECTION LEVEL LEVEL 3 | DEPT. LEVEL

LEVEL 4 | DIVISION LEVEL LEVEL 5 | DIRECTORATE LEVEL


2.7STRATEGI BCA FINANCEBCA FINANCES STRATEGIES

Berikut adalah strategi Perseroan yang dijalankan sepanjang tahun 2012 dalam rangka mewujudkan pertumbuhan yang berkesinambungan.

OPERATIONAL EXCELLENCE, meningkatkan efektivitas biaya dan efisiensi proses serta optimalisasi setiap sumber daya yang dimiliki oleh Perseroan dalam rangka mencapai produktivitas yang optimal.

BCA Finance secara terus menerus berupaya untuk melakukan perbaikan dalam setiap proses kerja dalam rangka mewujudkan process excellence sehingga Perseroan dapat memberikan nilai terbaik kepada para stakeholders. Sejalan dengan hal tersebut, BCA Finance pun senantiasa berupaya untuk mengoptimalkan setiap sumber daya yang dimiliki oleh Perseroan dalam rangka mencapai produktivitas yang optimal.

Efektivitas biaya, efisiensi proses dan produktivitas setiap sumber daya yang dimiliki oleh Perseroan merupakan faktor yang turut menentukan tingkat suku bunga BCA Finance yang ditawarkan kepada konsumen. Atas dasar hal tersebut, kami terus berupaya untuk memberikan nilai yang terbaik kepada konsumen dengan senantiasa menjalankan Operational Excellence dalam rangka memberikan kepuasan kepada konsumen melalui pelayanan terbaik dan juga tingkat bunga yang kompetitif. Hal tersebut juga berlaku untuk semua stakeholders BCA Finance.

MOST COMPETITIVE PRICE, didukung oleh struktur pendanaan dengan tingkat suku bunga yang kompetitif.

Disamping penerapan Operational Excellence, BCA Finance juga senantiasa memfokuskan diri pada penyediaan dana dengan tingkat suku bunga yang sangat kompetitif. Dalam rangka memperoleh dana dengan dengan tingkat suku bunga yang kompetitif, BCA Finance memperoleh dukungan sepenuhnya dari Induk Perseroan, PT Bank Central Asia, Tbk. Di samping itu, alternatif sumber-sumber pendanaan potensial lainnya tetap dijaga dengan baik oleh BCA Finance dengan terus membuka akses likuiditas baik ke dunia perbankan maupun pasar modal. BCA Finance pun senantiasa memonitor dan mengantisipasi pergerakan suku bunga dan ketersediaan dana di pasar dalam rangka memperoleh dana dengan suku bunga yang kompetitif, dengan tingkat risiko yang terkendali.

UNTUK MEWUJUDKAN MISI YANG SENANTIASA DIJALANKAN OLEH PERSEROAN YAITU MEMBERIKAN NILAI TERBAIK KEPADA STAKEHOLDERS, PERSEROAN SELALU BERUSAHA MELAKUKAN PERBAIKAN, MEMPERKUAT INFRASTRUKTUR PERSEROAN DAN MENINGKATKAN KEKUATAN INTERNAL.

TO ACCOMPLISH ITS MISSION TO PROVIDE BEST VALUE TO ITS STAKEHOLDERS, THE COMPANY ALWAYS STRIVES TO IMPROVE, STRENGTHEN ITS INFRASTRUCTURE AND ENHANCE ITS INTERNAL STRENGTHS.

MOST COMPETITIVE PRICE, supported by the funding structure with competitive interest rate.

Besides Operational Excellence implementation, BCA Finance also continuously focuses on the provision of financing funds with a very competitive interest rates. To obtain the low rate funds, BCA Finance is fully supported by its Parent Company, PT. Bank Central Asia, Tbk. Additionally, alternative sources of other potential funding are also well maintained, by keeping liquidity access to the banking and capital market. BCA Finance also constantly monitors and anticipates interest rate fluctuation and fund availability in the market to obtain fund at competitive interest rates and manageable risks.

Following are the Companys strategies implemented throughout 2012 in order to achieve sustainable growth.

OPERATIONAL EXCELLENCE, improvement of cost effectiveness and process efficiency, along with optimization of any resources held by the Company to achieve optimum productivity.

BCA Finance continuously strives to make improvements in every work process to achieve process excellence, thus, the Company can provide the best value to its stakeholders. Accordingly, BCA Finance also strives to optimize every resource owned to attain optimum productivity.

Cost effectiveness, process efficiency and productivity of each resource owned by the Company are factors that also determine the interest rate offered to customers. For that reason, we consistently strive to provide the best value to customers by always implementing Operational Excellence in order to provide customer satisfactions through best service and competitive interest rates. The same also applies to all stakeholders of BCA Finance.


2.7STRATEGI BCA FINANCEBCA FINANCES STRATEGIES

MENERAPKAN PRINSIP KEHATI-HATIAN (PRUDENT), dalam rangka meminimalkan risiko dalam melakukan seluruh kegiatannya, BCA Finance selalu mengacu pada prinsip kehati-hatian (prudent).

BCA Finance senantiasa menerapkan manajemen risiko secara terpadu dalam seluruh kegiatannya. Sebagai anak Perseroan dari PT Bank Central Asia, Tbk, BCA Finance melakukan penerapan manajemen risiko secara terkonsolidasi dengan Perseroan induk sebagaimana diatur oleh Bank Indonesia sebagai regulator perbankan. Hal ini tentu membawa pengaruh positif mengingat industri perbankan adalah industri yang paling mapan dan berpengalaman dalam penerapan manajemen risiko.

Penerapan manajemen risiko dilakukan secara menyeluruh sejak dari awal proses akuisisi, penetapan kebijakan sampai dengan pengelolaan piutang dan manajemen operasi Perseroan. Wujud dari konsistensi Perseroan dalam menerapkan prinsip kehati-hatian antara lain tercermin dari pembentukan komite kredit, penetapan kebijakan kredit yang tepat dan fokus kepada sektor pembiayaan yang memiliki resiko rendah, pelaksanaan Risk and Control Self Assessment di tingkat unit kerja dengan tujuan setiap unit kerja mampu mengidentifikasi risiko operasional inheren yang muncul di unit kerjanya serta pemilihan channel penjualan, dealer dan showroom yang berkualitas.

PRUDENT PRINCIPLE IMPLEMENTATION, in order to minimize the risk, BCA Finance has always referred to the prudent principle.

BCA Finance continuously implements integrated risk management in all activities. As a subsidiary of PT. Bank Central Asia, Tbk, BCA Finance undertakes risk management in consolidation with its Parent company, as regulated by Bank Indonesia as the bank regulator in banking industry. It certainly brings a positive influence since the banking industry is the most established and experienced industry in risk management implementation.

Application of risk management is carried out comprehensively from the initial acquisition process, policy setting, to account receivables management and operation management. The manifestation of the Companys consistency in applying the prudent principle is reflected on the establishment of credit committee, the determination of appropriate credit policy that focuses on low risk financing sectors, the implementation of the Risk and Control Self Assessment at the level of the working unit with the aim that each working unit is able to identify inherent operational risks that arise therein and the selection of channel distributions, dealers and showroom quality.

MUTUAL RELATIONSHIP, establishing mutually beneficial relationships by providing the best value to the stakeholders, business partners and customers.

In order to achieve sustainable growth, BCA Finance continuously strives to establish mutually beneficial relationship for both parties with win-win solution. BCA Finance strives to become the trusted partner and to provide the best value. For that reason, BCA Finance constantly make various improvements to enhance the quality and increase the added value of the Company.

MUTUAL RELATIONSHIP, menjalin kerjasama yang saling menguntungkan dengan memberikan nilai terbaik kepada para pemangku kepentingan, mitra usaha dan konsumen.

Dalam rangka mencapai pertumbuhan yang berkelanjutan, BCA Finance senantiasa berupaya untuk dapat menjalin kerjasama yang menguntungkan kedua belah pihak dan bersifat win-win solution. BCA Finance secara

Annual Report PT BCA FINANCE Tahun 2012

Documents

Transcript of Annual Report PT BCA FINANCE Tahun 2012