Mengawali bisnisnya sebagai perusahaan pembiayaan alat Started its business as a heavy equipment finance company, since
berat, sejak 1981 hingga kini PT BCA Finance telah mantap 1981 until now PT BCA Finance has steadily determined its business
menentukan fokus bisnisnya sebagai perusahaan pembiayaan focus as a consumer finance company, especially a four-wheel
konsumen, khususnya pembiayaan kendaraan roda empat vehicle financing up or car. Improvements in various aspects in
ke atas atau mobil. Perbaikan di berbagai segi, baik di the Company, both internal and service to stakeholder, bring the
internal Perusahaan maupun pelayanan kepada stakeholder, Company accomplishing various achievements and consistently
mengantarkan Perusahaan mencapai berbagai prestasi dan maintain profitability growth from year to year.
secara konsisten menjaga pertumbuhan profitabilitasnya dari
tahun ke tahun.
Tahun 2014, PT BCA Finance mengusung tema Always Deliver In 2014, PT BCA Finance carried a theme "Always Deliver Better
Better Version yang bermakna perbaikan terus menerus di Version" which means continual improvement in all aspects and
segala sisi dan bidang yang pada akhirnya meningkatkan areas and ultimately increases the value of the Company in the eye
nilai Perusahaan di mata stakeholder, terutama nilai di mata of the stakeholder, especially the value in the eye of the customer.
pelanggan. Hal ini diibaratkan seperti proses pembuatan It is likened to the process of making origami: from a piece of paper
origami: dari selembar kertas diproses dengan keuletan, processed with tenacity, creativity and thoroughness creates
kreativitas dan ketelitian menciptakan bentuk yang indah, beautiful shape, different and unique than ever. The triangular
berbeda dan unik dari sebelumnya. Bentuk segitiga serupa shape similar to arrowhead shape represents optimism of the
01
PENDAHULUAN /
Introduction
07
09
bentuk mata panah menggambarkan optimisme Perusahaan Company in realizing the vision and mission.
Performance
Perbaikan sedikit demi sedikit, terus menerus dan dalam Gradual, continual improvements and in various aspects are form
berbagai sisi merupakan bentuk dari upaya PT BCA Finance of PT BCA Finance efforts to be a finance company which is reliable,
untuk menjadi perusahaan pembiayaan yang diandalkan, trustworthy and selected by its customers. In a broader coverage,
dipercaya
dan
dipilih
pelanggan-pelanggannya.
cakupan yang lebih luas, Perusahaan meningkatkan nilai a company, which is not only a leading one, but also holds
di mata stakeholder sebagai perusahaan yang tidak hanya continuously growing business.
terkemuka, tetapi juga perusahaan yang bisnisnya berkembang
secara berkesinambungan.
DAFTAR ISI
Table of Content
02
IKHTISAR /
Highlight
15
16
26
28
33
Financial Highlights
Bonds Information
Bond Ratings
Medium Term Notes Highlights
BCA Finances Kaleidoscope 2014
05
PROFIL PERUSAHAAN /
Company Profile
52
55
56
58
62
66
71
BAB 5.7. Pemegang Saham Utama dan Entitas Asosiasi / Major Shareholders and
Associates
03
40
LAPORAN MANAJEMEN /
Managements Report
72
78
80
83
86
06
94
102
04
103
103
105
108
110
110
113
115
116
118
BAB 6.4. Kemampuan Bayar Utang dan Tingkat Kolektibilitas/ Liabilities Servicing
and Receivables Collectability
118
120
122
123
125
07
TINJAUAN BISNIS /
Business Overview
119
BAB 7.1. Tinjauan Pasar dan Strategi / Market and Strategy Overview
133
138
138
142
145
150
158
Receivable Management
Business Process
08
164
BAB 8.1. Landasan Tata Kelola Perusahaan / Good Corporate Governance Foundation
166
172
174
BAB 8.4. Struktur Tata Kelola Perusahaan / Good Corporate Governance Structure
175
182
192
09
TESTIMONI /
Testimonials
10
LAPORAN KEUANGAN /
Financial Statement
215
218
226
235
237
240
243
252
255
BAB 8.12. Litigasi dan Perkara Hukum Penting / Litigation and Lawsuit
258
BAB 8.13. Rencana Peningkatan Tata Kelola Perusahaan yang Baik / Good Corporate
Governance Development Plan
PENDAHULUAN/
01
Introduction
unit kerja yang ada, agar tidak menimbulkan risiko yang dapat
as not leading to a risk which can damage the Company. During 2014,
Board of Commissioners
Presiden Komisaris
: Ricki Immanuel
President Commissioner
Komisaris Independen
Komisaris Independen
Dewan Direktur
PENDAHULUAN
INTRODUCTION
: Ricki Immanuel
Board of Directors
Presiden Direktur
: Roni Haslim
President Director
: Roni Haslim
Direktur
Director
Direktur
: Amirdin Halim
Director
: Amirdin Halim
Direktur
: David Pangestu
Director
: David Pangestu
KINERJA KEUANGAN
FINANCIAL PERFORMANCE
as a whole.
Profit of IDR 1.001 billion, an increase of 7,44% over the prior year.
pembiayaan
baru
mengalami
penurunan
PENDAHULUAN/
KINERJA OPERASIONAL
OPERATIONAL PERFORMANCE
CORPORATE GOVERNANCE
Perusahaan
berkomitmen
dalam
menerapkan
Tata
Kelola
the Audit Committee tasks, the Corporate code of conducts and culture,
the Company and the Companys strategic plan which was entirely
Introduction
30.000
24.590
22.612
20.381
25.000
20.000
14.987
15.000
10.000
0
2010
2011
2012
2013
2014
Note: The new financing value is the total amount in Rupiah transmitted
PROSPEK USAHA
BUSINESS PROSPECT
bersama).
The new financing value in 2014 has deacrease by 16,00% becomes IDR
industry for the next few years is still good. This is because the demand
22.612 trillion.
and new innovations of the vehicles, especially cars. On the other hand,
180.000
interest rate (BI rate) which has a significant impact on loan rate
160.000
and deposit.
183.197
200.000
160.331
161.619
138.218
140.000
120.000
101.792
100.000
80.000
2010
2011
2012
2013
2014
Note: New financing unit is the total of new financing unit, both new
Various new regulations arising out in 2014 also tint the business in the
tahun mendatang.
PENDAHULUAN/
PIUTANG BERMASALAH
/ NON-PERFORMING LOAN
35.617
40.000
1,00%
0,90%
0,80%
0,70%
0,60%
0,50%
0,40%
0,30%
0,20%
35.619
30.016
35.000
30.000
23.202
25.000
16.725
20.000
15.000
10.000
0
2010
2011
2012
2013
2014
Note: The total managed asset is the total amount of the entire financing
0,96%
0,68%
0,52%
0,60%
0,44%
2010
2011
2012
2013
2014
sebesar 0,96%.
Catatan: Total aset kelolaan merupakan jumlah seluruh pembiayaan
Introduction
1.200
Rp.35.619 miliar.
trillion.
1.000
1.400
800
600
JUMLAH KONTRAK
/ NUMBER OF CONTRACTS
384.000
400.000
312.903
350.000
1.329
1.001
1.243
973
731
896
935
2013
2014
7,04 % become IDR 1.001 billion. Income before tax benefit has increased
191.182
7.000
200.000
10
2012
6.000
150.000
5.000
4.000
1.000
0
2010
2011
2012
2013
6.128
1.536
2.000
5.798
Asset
1.090
3.000
4.843
2014
1.229
2013
3.692
2012
1.473
2011
3.251
2010
Equity
1.207
250.000
2011
245.268
300.000
2010
670
768
200
577
400
415.940
450.000
2014
Total asset in 2014 has increased around 5,69 % become IDR 6.148
11
90.00
PENDAHULUAN/
Introduction
80.00
70.00
60.00
50.00
ROA (%)
40.00
30.00
ROAE (%)
2010
2011
2012
76.19
16.77
80.66
17.58
54.06
17.12
49.90
19.27
56.86
10.00
21.60
20.00
2013
2014
menjadi 76,23 %.
PANGSA PASAR
/ MARKET SHARE
14,00%
12,00%
10,00%
8,00%
6,00%
4,00%
2,00%
0,00%
12,41%
12,80%
13,03%
11,07%
10,56%
2010
2011
2012
2013
2014
national brand new cars are paid in credit. Target market refers to
the comparison between total new financing units and the 70% sales
of national brand new cars. Source of national new cars sales: www.
gaikindo.co.id.
www.gaikindo.co.id.
Pangsa pasar di tahun 2014 mengalami penurunan menjadi sebesar
11,07%
12
13
IKHTISAR /
02
Financial Highlights
URAIANURAIAN
2010
2010
2011
2011
2012
2012
2013
2013
EXPLANATION
EXPLANATION
2014
2014
PERFORMANCE HIGHLIGHT
Jumlah Pembiayaan Baru (Dalam
Unit)
101.792
138.218
161.619
183.197
160.331
14.987
20.381
24.590
26.921
22.612
16.725
23.202
30.016
35.617
35.619
961
1.531
1.529
1.003
975
35
33
41
66
146
3.251
3.692
4.843
5.798
6.128
Asset
Liabilitas
2.043
2.219
3.613
4.708
4.592
Liabilities
Ekuitas
1.208
1.473
1.229
1.090
1.536
Equity
Income
Aset
IKHTISAR
HIGHLIGHTS
Pendapatan
1.147
1.357
1.609
1.933
2.178
Beban
379
461
636
690
849
768
896
973
1.243
1.329
Laba Komprehensif
577
670
731
935
1.001
Comprehensive Income
20.000.000
20.000.000
20.000.000
20.000.000
20.000.000
28.842
33.510
36.475
46.764
50.087
Expenses
Number of Shares
Earnings per Share
FINANCIAL RATIOS
Profitabilitas
Profitability
21,60%
19,27%
17,12%
17,58%
16,78%
56,86%
49,90%
54,06%
80,66%
76,23%
22,51%
21,29%
23,13%
22,66%
24,24%
0,63
0,60
0,75
0,81
0,75
1,69
1,51
2,94
4,32
2,99
0,52%
0,44%
0,60%
0,68%
0,96%
Jaringan Usaha*
36
38
50
53
59
Jumlah Kota*
32
34
45
48
54
Number of Cities
Solvabilitas
Aset Produktif
Jumlah Piutang Bermasalah
Productive Asset
Non Performing Loan (NPL)
OPERATIONAL PERFORMANCE
Jumlah Karyawan
602
690
1.168
2.409
2.338
Jumlah Kontrak**
191.182
245.268
312.903
384.000
415.940
Catatan:
*) Termasuk Kantor Pusat
**) Hanya Pembiayaan Konsumen
Note:
*) Include Head Office
**) Consumer Financing only
Number of Employees
Number of Contracts
15
IKHTISAR /
Financial Highlights
Here are the information bonds issued by PT BCA Finance in the last
five years:
Tingkat Suku
Bunga (%) /
Interest Rate (%)
Tanggal Efektif /
Effective Date
- Seri A / Tranche A
8,65%
211.500.000.000
- Seri B / Tranche B
9,05%
88.500.000.000
No.
1
16
Rating / Rating
Lunas / Paid
Lunas / Paid
- Seri C/ Tranche C
10,45%
100.000.000.000
Lunas / Paid
- Seri D / Tranche D
10,95%
100.000.000.000
Lunas / Paid
11,20%
100.000.000.000
7,90%
392.000.000.000
Lunas / Paid
-Seri B / Tranche B
8,10%
178.000.000.000
Lunas / Paid
-Seri C / Tranche C
8,70%
230.000.000.000
Lunas / Paid
-Seri D / Tranche D
8,90%
200.000.000.000
Lunas / Paid
-Seri E / Tranche E
9,00%
100.000.000.000
6,35%
650.000.000.000
Lunas / Paid
Status / Status
Obligasi BCA Finance III Tahun 2010 Dengan Tingkat Bunga Tetap: /
BCA Finance 3rd Bond Year 2010 with Fixed Rate:
-Seri A / Tranche A
- Seri B / Tranche B
7,35%
200.000.000.000
Lunas / Paid
- Seri C / Tranche C
7,60%
250.000.000.000
- Seri D / Tranche D
7,70%
600.000.000.000
- Seri A / Tranche A
6,50%
750.000.000.000
Lunas / Paid
- Seri B / Tranche B
7,50%
350.000.000.000
- Seri C / Tranche C
7,60%
200.000.000.000
- Seri A / Tranche A
9,00%
225.000.000.000
Pefindo: idAAA
Fitch: AAA (idn)
- Seri B / Tranche B
10,00%
275.000.000.000
/ Pefindo :idAAA
Fitch: AAA (idn)
Catatan:
Note:
17
IKHTISAR /
Financial Highlights
In 2010, the Company issued BCA Finance 3rd Bond and BCA Finance 1st
In 2011, the Company issued BCA Finance 4th Bond Year 2011 with Fixed
Subordinated Bond Year 2010 with Fixed Rate with an aggregate value
dated March 11th, 2010 and listed on the Indonesia Stock Exchange. The
2011 and listed on the Indonesia Stock Exchange. The Bond was divided
Bond was divided into BCA Finance 3rd Bond Tranche A, B, C and D and
Indonesia. Obligasi ini terbagi atas Obligasi BCA Finance III Seri A, B,
Funds received from the issuance of BCA Finance 4th Bond, after
Dana yang diterima dari penerbitan Obligasi BCA Finance III dan
Funds received from the issuance of BCA Finance 3rd Bond and BCA
deducting for issuance costs, had been used entirely for working
Finance 1st Subordinated Bond, after deducting for issuance costs, had
Bapepam-LK.
Public Offering of BCA Finance 3rd Bond and BCAFinance 1st Subordinated
berikut :
and professions :
Wali Amanat
Akuntan Publik
Konsultan Hukum
Pemeringkat Efek
Konsultan Hukum
Pemeringkat Efek
Rating Agency
PT Pemeringkat Efek Indonesia
PT Fitch Ratings Indonesia
Legal Consultant
Soemarjono, Herman & Associates
Rating Agency
Public Accountants
Purwantono, Suherman& Surja
Legal Consultant
Akuntan Publik
Trustee
PT Bank Mega, Tbk
Public Accountants
Trustee
Wali Amanat
Underwriter
PT Bahana Securities
PT Bahana Securities
PT Transasia Securities
PT Transasia Securities
BCA Finance 4th Bond coupon payments were paid every three months
with the first payment on September 22nd, 2011.
BCA Finance 3rd Bond and BCA Finance 1 Subordinated Bond coupon
payments were paid every three months with the first payment on June
September 2011.
23 , 2010.
st
rd
The Company had made payment of all principal and interest of BCA
The Company had made payment of all principal and interest of BCA
Obligasi BCA Finance III Seri A, B, C dan D yang jatuh tempo masing-
June 26th, 2012, September 22nd, 2012, June 22nd, 2013 and June 22nd,
22 Juni 2013 dan 22 Juni 2014. Nilai Obligasi BCA Finance IV (Seri
2014. The outstanding amount of BCA Finance 4th Bond (Tranche E) was
dan 23 Maret 2014. Nilai Obligasi BCA Finance III (Seri D) dan Obligasi
The outstanding amount of BCA Finance 3rd Bond and BCA Finance
31st, 2014.
rd
rd
st
rd
rd
Rupiah).
18
19
IKHTISAR /
Financial Highlights
In 2012, the Company issued BCA Finance 1st Continuous Bond 1st Phase
In 2013, the Company issued BCA Finance 1st Continuous Bond 2nd Phase
1st, 2012 and listed on the Indonesia Stock Exchange. The Bond was
1st, 2012 and listed on the Indonesia Stock Exchange. The Bond was
divided into BCA Finance 1st Continuous Bond 2nd Phase Tranche A, B
and D.
and C.
st
st
B, C, dan D.
II Seri A, B, dan C.
Funds received from the issuance of BCA Finance 1st Continuous Bond
Funds received from the issuance of BCA Finance 1st Continuous Bond
1 Phase, after deducting for issuance costs, had been used entirely
2nd Phase, after deducting for issuance costs, had been used entirely
st
Public Offering of BCA Finance 1st Continuous Bond 1st Phase was assisted
Public Offering of BCA Finance 1st Continuous Bond 2nd Phase was
professions :
Wali Amanat
Akuntan Publik
Konsultan Hukum
Pemeringkat Efek
Wali Amanat
Konsultan Hukum
Pemeringkat Efek
Legal Consultant
Soemarjono, Herman & Associates
Legal Consultant
Trustee
PT Bank Mega, Tbk
Public Accountants
Purwantono, Suherman & Surja
Trustee
Rating Agency
Rating Agency
Underwriter
PT BCA Sekuritas
PT BCA Sekuritas
Underwriter
PT Bahana Securities
PT Bahana Securities
BCA Finance 1st Continuous Bond 2nd Phase Bond coupon payments
were paid every three months with the first payment on September 14th,
2013. The Company had made payment of all principal and interest of
BCA Finance 1st Continuous Bond 2nd Phase Tranche A was due on June
were paid every three months with the first payment on August 9th,
BCA Finance Tahap II Seri A yang jatuh tempo pada tanggal 24 Juni
24th, 2014. The outstanding amount of BCA Finance 1st Continuous Bond
2012. The Company had made payment of all principal and interest
2nd Phase was IDR 550.000.000.000 (five hundred fifty billion rupiah) as
of BCA Finance 1st Continuous Bond 1st Phase Tranche A and B was due
BCA Finance Tahap I Seri A dan B yang jatuh tempo pada tanggal 14
Mei 2013 dan 9 Mei 2014. Nilai Obligasi Berkelanjutan I BCA Finance
Finance 1st Continuous Bond 1st Phase was IDR 850.000.000.000 (eight
st
th
st
th
20
21
IKHTISAR /
In 2014, the Company issued BCA Finance 1st Continuous Bond 3rd Phase
I BCA Finance Dengan Tingkat Bunga Tetap Tahap III tahun 2014
and listed on the Indonesia Stock Exchange. The Bond was divided into
Financial Highlights
2012 dan dicatatkan di Bursa Efek Indonesia. Obligasi ini terbagi atas
Obligasi Berkelanjutan I BCA Finance Tahap III Seri A dan B.
Dana yang diterima dari penerbitan Obligasi Berkelanjutan
Funds received from the issuance of BCA Finance 1st Continuous Bond
BCA Finance Tahap III setelah dikurangi biaya emisi telah digunakan
3rd Phase, after deducting for issuance costs, had been used entirely
dated April 15th, 2014, which had been submitted to Financial Services
Authority.
Public Offering of BCA Finance 1st Continuous Bond 3rd Phase was
III dibantu oleh lembaga dan profesi penunjang pasar modal, antara
professions :
Wali Amanat
Konsultan Hukum
Pemeringkat Efek
22
Rating Agency
PT Pemeringkat Efek Indonesia
Legal Consultant
Soemarjono, Herman & Associates
Trustee
PT Bank Mega, Tbk
Underwriter
PT BCA Sekuritas
BCA Finance 1st Continuous Bond 3rd Phase Bond coupon payments
were paid every three months with the first payment on June 27th, 2014.
The outstanding amount of BCA Finance 1st Continuous Bond 3rd Phase
31st, 2014.
23
IKHTISAR /
Financial Highlights
Tanggal
Efektif /
Effective
Date
Jumlah Hasil
Penawaran
Umum /
Total From Public
Offering
Biaya
Penawaran
Umum /
Cost of Public
Offering
Hasil
Bersih /
Net
Ekspansi /
Expansion
Refinancing /
Refinancing
Divestasi /
Divestment
Modal Kerja /
Working Capital
11 Maret /
March 2010
600.000
6.360
593.640
593.640
Penawaran Umum
Obligasi BCA Finance IV Tahun 2011 /
Public Offering
BCA Finance 4thBond Year 2011
14 Juni /
June 2011
1.100.000
5.693
1.094.307
Penawaran Umum
Obligasi Berkelanjutan I BCA Finance Tahap
I Tahun 2012/
Public Offering
BCA Finance 1st Continuous Bond 1st Phase
Year 2012
01 Mei /
May 2012
1.700.000
7.596
1.692.404
Penawaran Umum
Obligasi Berkelanjutan I BCA Finance Tahap
II Tahun 2013 /
Public Offering
BCA Finance 1st Continuous Bond 2nd Phase
Year 2013
01 Mei /
May 2012
1.300.000
4.872
1.295.128
Penawaran Umum
Obligasi Berkelanjutan I BCA Finance Tahap
III Tahun 2014 /
Public Offering
BCA Finance 1st Continuous Bond 3rd Phase
Year 2014
01 Mei /
May 2012
500.000
2.091
497.909
Penawaran Umum
Obligasi BCA Finance III Tahun 2010
Obligasi Subordinasi BCA Finance I Tahun
2010 /
Public Offering
BCA Finance 3rd Bond Year 2010
BCA Finance 1st Subordinated Bond Year 2010
Total
Total /
Total
Ekspansi /
Expansion
Refinancing /
Refinancing
Divestasi /
Divestment
593.640
593.640
1.094.307
1.094.307
1.094.307
1.692.404
1.692.404
1.692.404
1.692.404
1.295.128
1.295.128
1.295.128
1.295.128
497.909
497.909
497.909
497.909
593.640
1.094.307
24
Modal Kerja /
Working Capital
Rencana Penggunaan /
Utilization Fund Planning
Realisasi Penggunaa /
Realization of Fund
Utilization
Penawaran Umum
(Obligasi BCAF III dan Obligasi Subordinasi BCAF I) /
Public Offering
BCA Finance 3rd Bond and 1st Subordinated Bond
Pembiayaan Konsumen /
Consumer Financing
593.640
593.640
Penawaran Umum
(Obligasi BCAF IV Th 2011) /
Public Offering
BCA Finance 4thBond Year 2011
Pembiayaan Konsumen /
Consumer Financing
1.094.307
1.094.307
Penawaran Umum
(Obligasi Berkelanjutan I Tahap I) /
Public Offering
BCA Finance 1st Continuous Bond 1st Phase Year 2012
Pembiayaan Konsumen /
Consumer Financing
1.692.404
1.692.404
Penawaran Umum
(Obligasi Berkelanjutan I Tahap II) /
Public Offering
BCA Finance 1st Continuous Bond 2nd Phase Year 2013
Pembiayaan Konsumen /
Consumer Financing
1.295.128
1.295.128
Penawaran Umum
(Obligasi Berkelanjutan I Tahap III) /
Public Offering
BCA Finance 1st Continuous Bond 3rd Phase Year 2014
Pembiayaan Konsumen /
Consumer Financing
497.909
497.909
25
IKHTISAR /
Financial Highlights
melakukan
The rating clearly reflected a solid synergy between the subsidiary and
Emiten,
BCA
Finance
berkewajiban
Asia, Tbk. (BCA). Meanwhile, BCA Finance has also proven its ability
(Fitch). BCA Finances bond rating gradually increased every year, which
growth.
In 2013, the final bond rating of BCA Finance 3rd Bond Year 2010, BCA
Year 2012 and BCA Finance 1st Sustainable Bond 2nd Phase conducted
II Tahun 2013 dari Pefindo adalah idAA+ (Double A Plus) dan dari Fitch
1st Subordinated Bond final rating result, Pefindo and Fitch rated idAA
th
st
st
Since February 7th, 2014, Pefindo raised the annual bond rating (BCA
obligasi (Obligasi BCA Finance III Tahun 2010, Obligasi BCA Finance
Finance 3rd Bond Year 2010, BCA Finance 4th Bond Year 2011, BCA Finance
1st Sustainable Bond 1st, 2nd and 3rd Phases) to idAAA (triple A). However,
III) dari idAA+ (Double A Plus) menjadi idAAA (triple A). Peringkat
the rating of BCA Finance 1st Subordinated Bond Year 2010 alsa raised
2014, Pefindo review the companys annual rating and the rating is
unchanged. During 2014, the annual rating from Fitch also unchanged.
2013
2014
AA+
AA-
Pefindo
Fitch
Pefindo
Fitch
( 5 Feb 2013)
( 25 Nov 2014)
( 21 May 2014)
idAA+
AAA(idn)
Lunas / Paid
AAA(idn)
idAA
AA-(idn)
idAA+
AA-(idn)
AAA
AA
2014.
A+
A
BBB+
BBB
idAA+
AAA(idn)
idAAA
AAA(idn)
idAA+
AAA(idn)
idAAA
AAA(idn)
idAA+
AAA(idn)
idAAA
AAA(idn)
idAAA
AAA(idn)
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
27
IKHTISAR /
Financial Highlights
No.
Nilai Penerbitan
(Rp) / Value (Rp)
Tanggal Jatuh
Tempo / Maturity
Date
Status / Status
8,20%
300.000.000.000
4 Desember /
December 2013
4 Desember /
December 2016
Belum Jatuh
Tempo /
Outstanding
7,94%
120.000.000.000
18 Maret / March
2014
18 Maret / March
2017
Belum Jatuh
Tempo
/ Outstanding
Tingkat Suku
Bunga (%) / Interest
Rate (%)
In 2013, the Company issued BCA Finance 3rd Medium Term Notes
In 2014, the Company issued BCA Finance 4th Medium Term Notes
(MTN) Year 2013 with Fixed Rate with an aggregate value of IDR
(MTN) Year 2014 with Fixed Rate with an aggregate value of IDR
that relevant in Indonesia and not listed in any the capital market or
regulation that relevant in Indonesia and not listed in any the capital
Indonesia dan tidak didaftarkan pada bursa. MTN III terbit dijamin
Dana yang diterima dari penerbitan Medium Term Notes (MTN) III BCA
Funds received from the issuance of BCA Finance 3 Medium Term Notes
Funds received from the issuance of BCA Finance 4th Medium Term Notes
(MTN) had been used entirely for working capital of the Companys
(MTN) had been used entirely for working capital of the Companys
konsumen Perusahaan.
Penerbitan atas Medium Term Notes (MTN) III BCA Finance dibantu
The issuance of BCA Finance 3rd MTN were assisted by following capital
The issuance of BCA Finance 4th MTN were assisted by following capital
(CGIF).
Konsultan Hukum
rd
Notaris
Satria Amiputra Amimakmur SE, Ak, SH, MAk, MH, Mkn
Notary
Notaris
Satria Amiputra Amimakmur SE, Ak, SH, MAk, MH, Mkn
Legal Consultant
Soemarjono, Herman & Rekan
Notary
Satria Amiputra Amimakmur SE, Ak, SH, MAk, MH, Mkn
BCA Finance 3rd Medium Term Notes (MTN) coupon payments were
BCA Finance 4th Medium Term Notes (MTN) coupon payments were
paid every six months with the first payment on June 4 , 2014.
paid every six months with the first payment on September 18th, 2014.
28
Konsultan Hukum
Soemarjono, Herman & Rekan
Legal Consultant
Marsinih Martoatmodjo Iskandar Kusdihardjo
th
29
IKHTISAR /
Financial Highlights
have been working together in the issuance of BCA Finance Bonds and
Jakarta 12940
Underwriter
PT Bahana Securities
Jakarta 12190
Jakarta 12790
PT BCA Sekuritas
Akuntan Publik
Jakarta 10310
Jakarta 1219
Konsultan Hukum
Jakarta 12940
Legal Consultant
Jakarta 12920
th
Parc 18 SCBD
Jakarta 12190
Telepon: (021) 25557000
Faksimili: (021) 29391950
Rating Agent
Jakarta 12190
Pemeringkat Efek
PT Pemeringkat Efek Indonesia
Jakarta 1290
30
Public Accountant
Prasetio, Sarwoko & Sandjaja kini menjadi/ currently named
Purwanto Suherman & Surja
Jakarta 10270
Jakarta 12910
31
IKHTISAR /
Financial Highlights
Underwriter
PT OSK Nusadana Securities Indonesia
JANUARI
JANUARY
On January 10th, 2014 A Kick Off Meeting was held at Ciputra Hotel.
Jakarta 12920
Finance from all over Indonesia with the theme FOCUS 1st. This event
tema FOCUS 1 . Acara ini diisi dengan target bisnis dan rencana
discussed the business target and action plan in 2014. The event also
Jakarta 12930
PT Transasia Securities
rd
th
Jakarta 12950
Telepon: (021) 57958038
Faksimili: (021) 57958039
Agen Pembayaran
Paying Agent
PT Kustodian Sentral Efek Indonesia
st
division. This event took place during 4 days and 3 nights, from 10th
> Ten Best Finance Company in 2013 with "Total Assets Category
2014;
Terbaik 2013 Kategori
> First Winner of Best Finance Company in 2013 with "Total Assets
32
33
IKHTISAR /
FEBRUARI
FEBRUARY
MARET
MARCH
mendiversifikasi
sumber
pendanaan,
PT
BCA
Finance
JUNI
Financial Highlights
JUNE
In 2014, BCA Finance held a Lucky Draw Program Buying Car Prizing
Car. The program is intended for consumers who buy the car at
Surabaya Car Stock DTC (on June 1st, 2014 through February 28th,
2015) and Car Stock WTC Mangga Dua (on July 1st, 2014 till February
28th, 2015). Through this program, every consumer who buys a car
unit will automatically get one lottery number to win a prize in a car
unit form.
menerbitkan:
> Surat hutang jangka menengah atau MTN (Medium Term Note)
>
BCA Finance 4th Medium Term Notes Year 2014 of IDR 120 Billion
2014;
Maret 2014;
> Penerbitan Obligasi Berkelanjutan I Tahap III Tahun 2014
> BCA Finance 1st Continuous Bond 3rd Phase year 2014 of IDR 500
APRIL
APRIL
Two (2) times meeting on the review of Work Plan and Budge (RKA)
be revisited.
kembali.
maka pada bulan Juni 2014 mulai dijalankan Area Review dan
Semarang.
JULI
JULY
On July 2nd, 2014, BCA Finance received an award from the Indonesian
nd
nd
Multifinance Company
> The Best 3rd Non Listed Company with Asset > Rp.5T
> The Best 3rd Non Listed Company with Asset > Rp.5T
On 4th till 5th April 2014 the program of Reward High Achiever tour to
On July 21st, 2014 the Company received an award as The 1st Champion
AGUSTUS
AUGUST
have good achievement. This event took place for three days and two
August 12th till 14th, 2014. The event was organized as an effort to fulfill
34
35
IKHTISAR /
Financial Highlights
SEPTEMBER
SEPTEMBER
28th, 2014. The Company welcomed and attended the 2014 largest
Head and Regional Manager (RM). This Planning Session event aims
and divisions for short-term and long-term targets and finalize the
Bandung on October 25th till 26th, 2014. This event is an auto show,
the vehicle but also a test drive facility. This event was attended by
juga terdapat fasilitas test drive. Acara ini dihadiri sekitar dua ribu
pengunjung.
cabang.
36
OKTOBER
OCTOBER
held on October 13th till 15th, 2014 at head office, Wisma BCA Pondok
efektif antara unit kerja yang ada di Divisi National Operation baik
Division both in a head office and branch offices. In the event it was
NOVEMBER
NOVEMBER
event was carried out at Godong Ijo, Depok. By convening this event,
semakin berkualitas.
37
BCA Finance and BCA Life being introduced at the ceremony event
credit protection.
first months of the registration period. The purpose of this event is:
03
SPEx2 Award 2014 The Best in Four - Wheel Leasing Industry dari
The Best in Four - Wheel Leasing Industry from SPEx2 Award 2014 on
In line with business growth, BCA Finance needs a reliable and skilled
LAPORAN MANAJEMEN
MANAGEMENTS REPORT
LAPORAN MANAJEMEN /
Managements Report
At the end of 2014, tinted by political turmoil and also economic. After
some debates, the President Joko Widodo ultimately raised the price of
subsidized fuel. The policy of fuel price escalation was then followed
BBM itu kemudian dibuntuti kenaikan suku bunga acuan (BI rate)
by an increase in the benchmark interest rate (BI rate) from 7,50% into
after fuel price increase is under control. All this becomes a challenge for
di Indonesia.
adalah tahun yang cukup sulit, kembali Direksi BCA Finance dan
showing a good performance. The new finance has decreased but the
last year performance, achieve IDR 1 trillion and NPL was maintained
performance of the Board of Directors in year 2014 and sure that those
sangat baik dan kami yakin prestasi ini dapat terus dipertahankan
terhormat,
Committee.
Economic, political and cultural turmoil tinted the Year 2014 making
U.S. strong dollar to the most currencies around the world. Indonesia
40
41
LAPORAN MANAJEMEN /
Managements Report
Kegiatan
Usaha
Perseroan
pada
seluruh
tingkatan/jajaran
organisasi.
Perubahan Manajemen
Change in Management
rate, jika Bank Sentral Amerika Serikat menaikan suku bunganya dan
growth, the societys need and also the competition in the finance
Ricki Immanuel
Presiden Komisaris/
President Commissioner
The Board of Commissioners proud that BCA Finance stand in very good
posisi yang sangat baik dan selalu dapat melewati segala dampak
position and always can surpass all the impacts of Domestic and Global
discipline and team work with all the member of BCA Finance. With
support and synergy with PT Bank Central Asia, Tbk. as parent company,
Bank Central Asia Tbk sebagai Perusahaan Induk, kami yakin BCA
Apresiasi
Appreciation
other stakeholders that until now giving big trust and support for BCA
BCA Finance sampai saat ini. Kiranya kerjasama yang telah terjalin
selama ini dapat terus ditingkatkan pada masa yang akan datang.
42
43
LAPORAN MANAJEMEN /
Managements Report
and mission. The Company believes that success is built starting from
facing 2015.
Strategi Perusahaan
Corporate Strategy
BCA Finance tetap fokus pada empat strategi utama, yaitu operational
the community. Not only that, good image recognition of BCA Finance
citra baik BCA Finance akan proses yang mudah dan cepat di mata
about easy and quick process in the eyes of the community is enhanced
through synergy with BCA. All parts of the Company are synergy and
strategi seperti:
tercermin
consistency as a whole.
pada
konsistensi
pertumbuhan
keuangan
44
Year 2014 was a year full of challenge as well as the struggle of every
mempertahankan
keunggulan
Perusahaan
terutama
dalam
able to bring the ease and comfort for customer both in credit
angsuran.
Pelayanan merupakan kunci utama dalam menciptakan loyalitas
qualified human resources that are reliable, professional and have high
in all aspects. We are also well aware of the relationship with business
45
LAPORAN MANAJEMEN /
lalui dengan baik, tentulah dengan kerja keras, fokus dan konsisten
berikut:
Managements Report
billion.
last five years and the development prospects, BCA Finance as a finance
the same as prior year, amounted to IDR 35.619 billion. The stable
similar to 2014, which is 1,2 million to 1,3 million units. Economic growth
Loan (NPL) tetap di bawah 1%, yaitu sebesar 0,96%. Risiko kredit
2014, yaitu 1,2 juta hingga 1,3 juta unit. Pertumbuhan ekonomi
other hand, the era of high interest rates still continues to be a challenge
industri pembiayaan.
The key focus of the Company in 2015 and the coming years would
of IDR 1.001 billion, an increase of 7,04% over the prior year and
exceeds the target amount of IDR 945 billion. This sound financial
profitable segments. The whole strategy, work plan, and the target
Rp. 945 miliar. Kinerja keuangan yang baik ini menunjukkan bahwa
Kendala-Kendala
Obstacles
political turmoil and rising of fuel price at the end of 2014 encouraged
dan
Meningkatnya inflasi
yang
Pemerintah
46
pun
menerbitkan
beberapa
peraturan
47
dan kewajaran
Change in Management
Acknowledgement
Puji syukur atas Rahmat Tuhan Yang Maha Esa atas prestasi kinerja
and personnel of BCA Finance on their hard way, hard work, dedication,
the community for their support, trust, loyalty and commitment that
contributed to the Company so the BCA Finance can realize the best
04
Roni Haslim
Presiden Direktur/
President Director
TANGGUNG JAWAB
ATAS LAPORAN TAHUNAN
PERIODE 2014 PT BCA FINANCE
RESPONSIBILITY FOR
ANNUAL REPORT
YEAR 2014 PT BCA FINANCE
48
We, the undersigned, testify that all information contained in the 2014
Dewan Komisaris
Board of Commissioner
Ricki Immanuel
Presiden Komisaris
President Commissioner
05
PROFIL
PERUSAHAAN
CORPORATE
PROFILE
Dewan Direksi
Board of Director
Petrus S. Karim
Direktur
Director
Amirdin Halim
Direktur
Director
David Pangestu
Direktur
Director
50
following activities:
berkala;
Anjak piutang, yakni kegiatan pembiayaan dalam bentuk
Along with the corporate name change become PT BCA Finance, the
Company has been gradually developing and growing
Sejarah Perusahaan
52
Background History
and transportation.
Among those four business licenses, BCA Finance focusing its business
are CS New and Used Cars and BCA Motor Vehicle Credit (KKB BCA).
CS New and Used Cars are products that offered to fulfill customers
dan Kredit Kendaraan Bermotor BCA (KKB BCA). CS Mobil Baru dan
53
Along with the corporate name change, BCA Finance has been
jumlah pembiayaan baru dan total aset kelolaan. Prestasi ini tidak
Visi dan Misi merupakan arahan strategis sekaligus tujuan yang juga
basis in manage the Company as a whole. Vision and mission has been
echoed since the Company bear the name of PT BCA Finance, however
and work ethic. The vision and mission of PT BCA Finance are:
etika kerja BCA Finance. Visi dan misi PT BCA Finance adalah:
di seluruh Indonesia.
VISI
VISION
stakeholders.
Perusahaan Terkemuka
employees regarding how they think, act and interact in the daily work
produk-produknya
untuk
mempertahankan
tingkat
pertumbuhannya.
Memberikan NILAI TERBAIK kepada para stakeholders
MISI
MISSION
growth.
yang berkesinambungan.
Kami memberikan NILAI TERBAIK kepada para pemegang saham
dan kreditur dengan menciptakan pertumbuhan keuangan dan
54
to its welfare.
55
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.
menang.
secara berkesinambungan.
expectations.
FIRST CLASS
STRIVING FOR
Teamwork Transparency
Impact and Influence
Clear Communication
Care for Others
Managing Conflict
EXCELLENCE
TEAMWORK
all Company personnel and also moral guidelines for all Company
UNCOMPROMISED
QUALITY
INTEGRITY
CUSTOMER FOCUS
ORIENTATION TO
56
57
President Director
KKB
Deputy
Director
Regional
Manager
KKB
CS Used
Car
Deputy
Director
Corp
Marketing
& Credit
Div Head
Regional
Manager
CS Used
Car
CS Used
Car
Deputy
Director
Regional
Manager
CS New
Car
National
Operation
Deputy
Director
Internal
Audit Div
Head
National
Collection
Div Head
IT & Business
Process Div
Head
National
Operation
Div Head
Opr Branch
Mgt Deputy
Div Head
Finance &
People
Deputy
Director
HR &
Services
Div Head
Finance &
Accounting
Div Head
Leasing &
Special
Financing
Div Head
Corp. Risk,
Planning &
Secretary
Div Head
Central Opr
Deputy Div
Head
Credit Settlement
Head
Berikut adalah susunan Pengurus dan Eksekutif Senior BCA Finance
Pengurus
58
Pengurus
Eksekutif Senior
Senior Executive
: Ricki Immanuel
Deputi Direktur
Deputy Director
: Rita Tjahjadi
Komisaris Independen
Independent Commissioner
Deputi Direktur
Deputy Director
: Punto Nugroho
Komisaris Independen
Independent Commissioner
Dewan Direktur
Board of Directors
Deputi Direktur
Deputy Director
: Bambang Prastyanto
Presiden Direktur
President Director
: Roni Haslim
Deputi Direktur
Deputy Director
Direktur
Director
Deputi Direktur
Deputy Director
: Herry M. Somantri
Direktur
Director
: Amirdin Halim
Direktur
Director
Deputi Direktur
Deputy Director
: Suiman Agung
: David Pangestu
Deputi Direktur
Deputy Director
: Hendro Utomo
Dewan Komisaris
Board of Commissioners
Presiden Komisaris
President Commissioner
59
2011
2012
2013
2014
495
586
943
1.811
1.785
84
80
172
447
393
25
27
56
154
163
605
694
1.172
2.413
2.342
Jumlah / Total
2011
2012
2013
2014
Direksi / Director
Eksekutif Senior /
Senior Executive
24
25
26
34
33
Manajer / Manager
119
196
304
333
350
Pelaksana / Executor
459
469
838
2.042
1.955
Jumlah / Total
605
694
1.172
2.413
2.342
2011
2012
2013
2014
18 25 Tahun/
18 to 25 year
110
161
546
1.086
905
26 35 Tahun/
26 to 35 year
355
384
461
1.128
1.216
36 45 Tahun /
36 to 45 year
122
125
137
157
173
45 tahun ke atas /
more than 45 years
18
24
28
42
48
605
694
1.172
2.413
2.342
Jumlah / Total
60
2011
2012
2013
2014
Karyawan Tetap /
permanent employee
428
464
525
595
670
Karyawan Kontrak /
contract employee
177
230
647
1.818
1.672
Jumlah / Total
605
694
1.172
2.413
2.342
61
RICKI IMMANUEL
Presiden Komisaris
President Commissioner
ADHI GUNAWAN
BUDIRAHARDJO
Komisaris Independen
merangkap Ketua Komite Audit
Independent Commissioner and
Chairman of Audit Committee
Komisaris Independen
Independent Commissioner
Work experience:
1979 1982
1979 1982
RICKI IMMANUEL
Presiden Komisaris
President Commissioner
1982 1983
1982 1983
1983 1984
1983 1984
MFG. Ltd
1984 - 1988
1984 - 1988
1988 1989
1988 - 1989
1989 1990
1989 - 1990
1990 1993
1990 - 1993
1993 2011
1993 - 2011
62
2011- present
63
ADHI GUNAWAN
BUDIRAHARDJO
Komisaris Independen
merangkap Ketua Komite Audit
Independent Commissioner and
Chairman of Audit Committee
Work experience:
1977 - 1981
1977 - 1981
1981 - 1983
1983 - 2005
1983 - 2005
2005 sekarang
2008 sekarang
2005 - present
Perusahaan
2008 - present
2011 - present
2011 sekarang
Tbk.
Work experience:
1977 1978
1977 - 1978
1978 1979
1978 - 1979
1979 1979
1979 - 1979
Sari Medi
1980 2012
1980 - 2012
2012 present
Komisaris Independen
Independent Commissioner
65
RONI HASLIM
Presiden Direktur
President Director
PETRUS S. KARIM
Direktur
Director
AMIRDIN HALIM
Direktur
Director
DAVID PANGESTU
Direktur
Director
Work experience :
1989 - 1997
1989 - 1997
RONI HASLIM
Presiden Direktur
President Director
1997 - 2000
1997 - 2000
2000 2004
2000 - 2004
2004 2008
2004 - 2008
2008 - present
2010 - Present
66
67
30th, 2015.
AMIRDIN HALIM
Direktur
Director
Work experience :
1990 - 2000
1990 - 2000
2000 2004
2000 - 2004
2004 sekarang
2004 - Present
2010 - Present
2011 sekarang
Insurance)
Work experience:
1982 1990
1982 - 1990
1990 2003
1990 - 2003
2003 - 2004
2004 sekarang
2004 present
Direktur
Director
PETRUS S. KARIM
68
69
Farindo Investment
(Mauritius) Ltd
qualitate qua (qq)
Sdr. Robert Budi
Hartono dan Sdr.
Bambang Hartono *
Anthony Salim
Masyarakat**
Work experience :
1984 1985
1984 - 1985
1985 1911
1985 - 2011
2009 - 2011
2009 - 2011
2011 - sekarang
2011 - present
47,15%
1,76%
51,09%
99,58%
100,00%
0,42%
PT BCA Finance
0,01%
99,99%
Direktur
Director
25,00%
25,00%
75,00%
45,00%
PT Central Santosa Finance
Keterangan :
Note :
sebesar 0,02% dimiliki oleh Sdr. Robert Budi Hartono dan 0,02%
Hartono
DAVID PANGESTU
70
71
PT Bank Central Asia, Tbk. (BCA) mulai beroperasi pada tahun 1957
PT Bank Central Asia, Tbk (BCA) began its operation in 1957 with the
dengan nama Bank Central Asia NV. Kini BCA merupakan bank
name Bank Central Asia NV. BCA is Indonesias largest private bank,
Saham (Rp)
Persentase
Shares (IDR)
Percentage
199.151.850.000
99,58 %
848.150.000
0,42 %
Jumlah / Total
200.000.000.000
100,00%
st
(IBRA). At that time, the supervision of BCA was returned from IBRA
divested 22,5% of all BCA shares through Initial Public Offering (IPO), and
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.
Farindo Investment
(Mauritius) Ltd
qualitate qua (qq) Sdr.
Robert Budi Hartono
dan Sdr. Bambang
Hartono *
Anthony Salim
Masyarakat
1.074 kantor cabang dan 15.254 ATM BCA yang terhubung secara
2014)
47,15%
1,76%
PT Bank Central Asia, Tbk.
99,58%
0,42%
PT BCA Finance
72
51,09%
100,00%
BCA Finance Limited
Saat ini BCA dan entitas anak perusahaan didukung oleh lebih dari
BCA and its subsidiaries are currently supported more than by 20.000
services. BCA is one of the leading banks in Indonesia. BCA is also active
maupun korporasi.
corporate.
Indonesian economy.
73
Jumlah Saham
Shares
Persentase Kepemilikan
Percentage of Ownership
11.625.990.000
47,15%
Anthony Salim
434.079.976
1,76%
Masyarakat **
12.594.940.024
51,09%
Jumlah
24.655.010.000
100,00%
Total
74
Keterangan :
Note :
th
sebesar 0,02% dimiliki oleh Sdr. Robert Budi Hartono dan 0,02%
Bambang Hartono
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Presiden Komisaris
President Commissioner
Komisaris
Commissioner
Komisaris Independen
Independent Commissioner
Komisaris Independen
Independent Commissioner
Komisaris Independen
Independent Commissioner
DEWAN DIREKSI
BOARD OF DIRECTORS
Presiden Direktur
President Director
Wakil Presiden Direktur
Vice President Director
Direktur
Director
Direktur
Director
Direktur
Director
Direktur
Director
Direktur
Director
Direktur
Director
Direktur
Director
Direktur
Director
: Jahja Setiaatmadja
: Eugene Keith Galbraith
: Dhalia Mansor Ariotedjo
: Anthony Brent Elam
: Suwignyo Budiman
: Subur Tan
: Henry Koenaifi
: Armand Wahyudi Hartono
: Erwan Yuris Ang
: Rudy Susanto
: Tonny Kusnadi
: Cyrillus Harinowo
: Raden Pardede
: Sigit Pramono
75
pada saat BCA membeli seluruh saham yang dimiliki oleh Salim
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.
the United States, BCA Finance Limited changed its business strategy
76
DEWAN DIREKSI
BOARD OF DIRECTORS
Direktur
Director
Direktur
Director
Direktur
Director
: Edmund Tondobala
: Andy Kwok
77
2 Sub Branch Offices, 4 Sub Branch Offices of Micro Bina Usaha Rakyat
Bina Usaha Rakyat (KFO BUR) yang tersebar di wilayah DKI Jakarta,
the best solution dan benefit for consumers, ATPM, Dealer Network,
Kepemilikan Tahun
Saham/
Penyertaan/
Establisthment
Share
Ownership
Year of Participation
2009
0,01%
2009
2010
25,00%
2010
1988
25,00%
2010
Nama Perusahaan/
Company Name
Kegiatan Usaha/
Business Activity
Bank/ Bank
Asuransi/ Insurance
Berdiri
Sejak/ Year of
berikut:
1. PT Bank Central Asia, Tbk.
: 45%
: 45%
2. PT BCA Finance
: 25%
2. PT BCA Finance
: 25%
3. PT Multikem Suplindo
: 30%
3. PT Multikem Suplindo
: 30%
Catatan:
Note:
Kalimantan.
BCA Syariah
78
BCA Syariah
Perusahaan ini berdiri sejak tahun 1988, dengan nama Asuransi
The company was established in 1988 and was initially named Asuransi
Ganesha Ciptadanamas. In 2006, the company changed its name into
PT Bank BCA Syariah was established and started its business activity
oleh Dana Pensiun Bank Central Asia dan BCA Finance, perusahaan
Asia Pension Fund and BCA Finance, the companys name changed into
nd
Umum BCA.
2. PT BCA Finance
2. PT BCA Finance
75%
75%
2. PT BCA Finance
25%
2. PT BCA Finance
25%
customers. Syariah Bank has been targeting customers who have keen
interest in quality banking services and products that are easy to access
79
Uraian
Explanation
20.000.000
200.000.000.000
5.870.200
58.702.000.000
25.000
250.000.000
5.895.200
58.952.000.000
14.104.800
141.048.000.000
Modal Dasar
Persentase
Percentage
(%)
99,58
0,42
100,00
The capital and share ownership composition has changed since its
1983 sampai 2006 dapat dilihat pada Laporan Tahunan 2013 dan
2010
2010
2006
No. 87
No.87 dated August 24th, 2010 with the presence of Fransiscus Xaverius
dated May 31st, 2006 that was made and witnessed by the Notary,
saham
totaling 25.000 shares and was valued at IDR 250.000.000 (two hundred
and fifty million rupiah) from Mr. Wella Jaya Saputra to BCA Finance
rupiah) dari Tuan Wella Jaya Saputra kepada BCA Finance Limited;
Limited. The stock transfer has been completed on January 6th, 2006 as
mentioned in the Sale of Shares on January 6th, 2006 and was registered
No.28/W/V/2006 dated May 31st, 2006, and it was signed by Mr. Wella
Jaya Saputra as the Seller, and BCA Finance Limited as the Buyer. The
total stock selling transaction value was valued at IDR 1,5 (one point
Tuan Wella Jaya Saputra, selaku Penjual dan BCA Finance Limited,
five rupiah).
miliar rupiah) yang terbagi atas 20.000.000 (dua puluh juta) saham,
for 50.000.000 (fifty million) shares, each was valued at IDR 10.000
(fifty eight billion and nine hundred fifty two million rupiah) for
5.895.200 (five million, eight hundred and ninety five thousand, and
sembilan ratus lima puluh dua juta rupiah) terbagi atas 5.895.200
(lima juta delapan ratus sembilan puluh lima ribu dua ratus) saham,
(fourteen million, one hundred and four thousand, and eight hundred)
new shares. The payment of the new shares taking over was funded
forty one billion, and forty eight million rupiah) which was allocated
Tbk. for 14.044.985 (fourteen million, forty four thousand, nine hundred
hundred forty billion, four hundred forty eight million, eight hundred
and fifty thousand rupiah) and (ii) BCA Finance Limited for 59.815 (fifty
nine thousand eight hundred fifteen) shares that was valued at IDR
598.150.000 (five hundred ninety eight million, and one hundred fifty
thousand rupiah).
ratus empat puluh sembilan juta delapan ratus lima puluh ribu
sebagai berikut:
80
rupiah) dan (ii) BCA Finance Limited, sebanyak 59.815 (lima puluh
sembilan ribu delapan ratus lima belas) saham, dengan nilai
Always Deliver Better Version - BCA Finance 2014
81
After the injection of the Companys working capital, the new capital
Keterangan
Explanation
Number of Shares
Modal Dasar
Persentase
Percentage
(%)
penghargaan.
Selama tahun 2014, BCA Finance telah memperoleh 13 penghargaan,
diantaranya :
50.000.000
500.000.000.000
19.915.185
199.151.850.000
99,58
84.815
848.150.000
0,42
20.000.000
200.000.000.000
100,00
Basic Capital
Modal Ditempatkan dan Disetor Penuh:
Issued and Paid-Up Capital
30.000.000
300.000.000.000
mengalami perubahan.
Sepuluh Perusahaan
Pembiayaan Terbaik 2013
Kategori Total Aset diatas
Rp 500 Miliar dari APPI
Awards - Asosiasi Perusahaan
Pembiayaan Indonesia (APPI)
The Ten Best Financing
Company with category Total
Asset more than IDR 500 Billion
from IFSA Awards Indonesia
Financing Services Association
82
83
Gold Champion of
Indonesia Wow Brand 2014
Category: Car Leasing dari
Indonesia Wow Brand 2014
- MarkPlus. Inc
Gold Champion of Indonesia
Wow Brand 2014 Category:
Car Leasing from Indonesia
Wow Brand 2014 - MarkPlus.
Inc
Multifinance Platinum
Thropy 2014 Atas Kinerja
Keuangan Sangat Bagus
2004-2013 dari Majalah
Infobank
Best Multifinance
Company 2014 Kategori
Multifinance Aset > Rp
5 Triliun dari Majalah
Investor
Multifinance Platinum
Thropy 2014 for Great
Financial Performance
2004-2013 from Infobank
Magazine
84
Gaining the award is not the end of the struggle. All forms of awards
tujuan Perusahaan.
85
DI. Aceh
Medan
Tanjung Pinang
Manado
Pekanbaru
Pontianak
Gorontalo
Padang
Pangkal Pinang
Sa
Samarinda
Banjarmasin
Kendari
Bandar Lampung
DKI Jakarta
Semarang Denpasar
PT BCA Finance kini telah memiliki 59 Jaringan Usaha (Termasuk Kantor Pusat) di 54 Kota
yang tersebar di 27 Propinsi di Indonesia. Berikut merupakan daftar Jaringan
Usaha PT BCA Finance.
86
Makassar
PT BCA FInance has extended its networks by having 59 branches (include Head Office)
located in 54 cities and 27 provinces in Indonesia. These are list of BCA Finances business
networks.
Always Deliver Better Version - BCA Finance 2014
87
JAKARTA
Cirebon
Sukabumi
Kantor Pusat
Kelapa Gading
Ruko Brawijaya
Komp. Kirana Boutique Office Blok E.2 No. 8 & 9 Kelapa Gading
Cirebon 45111
Jakarta 12310
Jakarta Utara
Sukabumi 43111
Pondok Indah
Daan Mogot
Cilegon
Tangerang
Jakarta 11460
Komp. Pertokoan Cilegon City Square Blok A No. 1-3 & Blok C no.1
Wisma BCA BSD CITY Lt. 1 Jl. Pahlawan Seribu Kav. CBD Lot 1.3
Jakarta 12240
Cilegon 42411
Telp : (021)7269948
Fax : (021)7269906
Tegal
Solo
akarta 14430
Solo 57112
Bekasi
Bogor
Semarang
Yogyakarta
Bogor 16122
Semarang 50242
Yogyakarta 55223
Depok
Karawang
Kudus
Purwokerto
Depok 16411
Karawang 41312
Kudus 59317
Purwokerto 53114
Bandung
Tasikmalaya
Magelang
Bandung 40227
Tasikmalaya 46133
Magelang 56172
88
89
JAWA TIMUR
Pematang Siantar
Tanjung Pinang
Surabaya Galaxy
Surabaya Veteran
Jl. Sangawaluh
Bintan
Surabaya 60117
Surabaya 60175
Batam
Pangkal Pinang
Jl. Raya Koba No.80 (Jl. Mayor Sjafri Rachman)
Jember
Gresik
Batam 29432
Jember 68131
Gresik
Padang
Pekanbaru
Madiun
Padang 25121
Pekanbaru 28288
Kediri 64123
Madiun 63132
Bukit Tinggi
Bengkulu
Malang
Ruko Kawi
Bukit Tinggi
Bengkulu 38229
Malang 65116
Fax : -
Jambi
Palembang
Jambi 36125
Palembang 30134
Kediri
Denpasar
Cakranegera
Lubuk Linggau
Lampung
Denpasar 80226
Mataram 83236
SUMATERA
Banda Aceh
Medan
Duri
Muara Bango
Medan 20112
Riau 28884
Muara Bango
Fax : -
90
91
KALIMANTAN
Pontianak
Banjarmasin
Pontianak 78122
Banjarmasin 70233
Palangkaraya
Samarinda
Palangkaraya
Samarinda 75111
Balikpapan
Sampit
Jl. HM.Arsyad RT 46 RW IX
Balikpapan 76114
Sampit
06
SULAWESI
Gorontalo
Makassar
Gorontalo 96159
Makassar 90113
Manado
Kendari
Manado 95111
Kendari
Palu
Pare-Pare
Pare-Pare 91122
Palu 94111
92
ANALISA DAN
PEMBAHASAN
MANAJEMEN
MANAGEMENTS
DISCUSSION
AND ANALYSIS
tekanan besar setelah kenaikan harga BBM, upah buruh dan tarif
actor experienced a big pressure after the increase of BBM price, labors
94
stagnansi
kesenjangan
new government.
The policy for increasing BBM price is then followed by the increase
kemiskinan,
suku bunga acuan (BI rate) dari 7,50% menjadi 7,75%. Kebijakan
under control even after the increase of BBM price. The increase
80 mobil per 1.000 orang. Dengan populasi 240 juta orang dan
per capita income, Indonesia has a big potential of the market for
angka
Automotive Industry
pengurangan
Indostri Otomotif
1.229.916
1.208.019
1.116.230
764.710
894.180
486.662
2009
2010
2011
2012
2013
2014
sumber/source : Gaikindo
BBM price, a hike of electrical price, gas price, and monetary policy had
sales of national new car reached 1.208 thousand units, which slightly
the growth of car industry was still fantastic with average 20% during
The presence of low cost green car product may actually support
the sales of national car. In 2014, LCGC contributed about 14% from
the sales of national new car, with its leading product: Toyota Agya,
buy car.
95
waktu 1-3 bulan. Penjualan mobil nasional tidak lepas dari kondisi
1-3 months. The sales of national car cannot be separated from the
for all these times. The segment of car sales in middle to low class
itself, in general, reaches 46,8% from the total of national car sales.
Industri Pembiayaan
Financing Industry
The economic condition which has not been stable yet becomes one
of the factors causing the finance business in the next year still moves
bergerak lambat. Selain itu, era suku bunga tinggi masih menjadi
slowly. Besides that, the era of high interest rate will still become
8%. This condition obviously gives a heavy challenge for the finance
becomes the funding source during this time. This condition supports
multipurpose financing and fee base activity, may open the potentials
for finance industry to boost its business volume. With the new
96
particularly the four wheeled vehicles. Until now, BCA Finance runs
three types of business, namely: consumer financing, leasing, and
factoring.
Kegiatan Usaha /
Business Activity
PT BCA FINANCE
Pembiayaan Konsumen
Consumer financing
Mobil baru
New Car
Anak Piutang
Factoring
Mobil Bekas
Used Car
97
36
38
50
53
58
1.147
1.357
1.609
1.933
2.178
577
2012
670
731
935
2013
Mobil bekas
1.001
2012
2014
35.415
2013
35.407
70%
415.940
29.890
30%
384.000
415.940
71%
312.903
384.000
29%
245.268
312.903
66%
191.281
Jumlah Cabang
Number of Business Network
2014
34%
2013
66%
2012
34%
Jumlah Kontrak
(Khusus pembiayaan konsumen)
Number of Contracts
(particularly consumer financing)
2011
65%
2010
35%
Uraian
72%
28%
2014
Mobil Baru
Leasing
Since year 2012, the Company has been seeking to develop leasing
business. This is evidenced by the establishment of a specific division
that handles and processes leasing business. The Company categorizes
it into four types, which are: leasing of machinery, vehicle, heavy
equipment and building. Three out of the four lease types: machinery,
vehicle and heavy equipment are considered active, in which heavy
equipment takes dominant proportion. Over the past three years,
leasing has increased, which has reflected the result of the Companys
best efforts.
SEWA PEMBIAYAAN/LEASING
(DALAM MILIAR RUPIAH/IN BILLION IDR)
161.341 182.872
24.401
160.019
192
158
126 120
26.700
96
22.431
2012
2013
2013
2014
Aset Kelolaan
Mobil bekas
98
2014
61%
38%
67%
33%
2014
68%
59%
32%
2013
41%
61%
39%
62%
38%
2012
2012
198
Pembiayaan Baru
Mobil Baru
99
Anjak Piutang
Factoring
ANJAK PIUTANG/FACTORING
(DALAM MILIAR RUPIAH/IN BILLION IDR)
85
63
62
14
2012
2013
2014
Aset Kelolaan
Pembiayaan Baru
Kepercayaan Masyarakat
Public Trust
100
With such condition, the Company increases the rate of financing offered
to the consumers. This is considered as the result of the Companys
financing cost increase. In another side, the business competition in
financing industry becomes stricter. If compared with the previous year,
the average rate of interest in new financing has increased amounting
to 2%. As a result, the distribution of new financing is decelerating.
101
ASET / ASSET
Uraian
31 Desember/ 31 Dec
Explanation
2012
2013
2014
3.559
0,1%
2.867
0,0%
4.602
0,1%
Investasi sewa
pembiaayaan bersih
116.936
2,4%
188.170
3,2%
195.281
3,2%
Piutang Pembiayaan
Konsumen bersih
4.487.552
92,7%
5.229.340
90,2%
5.065.806
82,7%
5.472
0,1%
8.420
0,1%
13.111
0,2%
Factoring receivables
100.677
2,1%
189.894
3,3%
462.589
7,5%
21.426
0,4%
34.987
0,6%
56.776
0,9%
16.822
0,3%
28.354
0,5%
39.358
0,6%
Prepaid expenses
0,0%
20.002
0,3%
Derivative receivable
Piutang derivatif
0,0%
Penyertaan saham
41.212
0,9%
66.019
1,1%
145.639
2,4%
28.030
0,6%
29.501
0,5%
108.814
1,8%
Fixed assets
21.261
0,4%
20.482
0,4%
16.441
0,3%
4.842.948
100,0%
5.798.034
100,0%
6.128.419
Jumlah Aset
Companys assets consist of cash and bank deposit; net finance lease
tetap bersih dan asset pajak tangguhan. Rincian dari asset Perseroan
Company for the last 12 (twelve) months period ended December 31st,
untuk tahun 2012, 2013 dan 2014 dapat dilihat dari tabel di atas.
Desember 2014 dan 2013 yang telah diaudit oleh Kantor Akuntan
2014 and year 2013, and was audited by a Public Accountant Office
JUMLAH ASET /
TOTAL ASSET
2014.
Fakta Material Setelah Tanggal Laporan Akuntan
102
103
The Companys total assets as on December 31st, 2014 was IDR 6.128.419
to total asset is classified as minor portion, this was in line with the
Rp.330.385 juta atau sebesar 5,7% dari tahun 2013. Jumlah aset
st
than the net finance leases investment in 2013. Net lease investment
for the year ended on December 31st, 2013 amounted to IDR 188.170
st
especially for Minibus, MPV, Sedan, SUV and pick-ups for new and
e. Penyertaan saham
tetap 25%.
in 2013 and 2014 were IDR 26.700.770 million and IDR 22.431.488
million.
st
104
million.
e. Investment in shares of stock
c. Factoring Receivables
and bond payables. The details of the Companys liabilities for 2012,
Perusahaan untuk tahun 2012, 2013 dan 2014 dapat dilihat pada
105
LIABILITAS/ LIABILITY
31 Desember/ 31 Dec
Uraian
2012
2013
166.141
4,6 %
698.603
113.658
3,1%
Utang Pajak
37.735
Utang lain-lain
Explanation
2014
14,8 %
1.294.383
28,2 %
95.442
2.0 %
74.019
1,6 %
Accrued expenses
1,0 %
48.369
1,0 %
53.277
1,2 %
Taxes payable
763.769
21,1 %
715.881
15,2 %
644.343
14,0 %
Other payables
2.710
0,1 %
1.670
0,0 %
517
0,0 %
7.585
0,2 %
12.610
0,3 %
16.963
0,4 %
0,0 %
293.419
6,2 %
413.442
9,0 %
Medium-term notes
Utang Obligasi
2.521.877
69.8%
2.842.428
60,4 %
2.095.458
45,6 %
Bonds payable
Jumlah Liabilitas
3.613.475
100 %
4.708.422
100 %
4.592.402
100 %
Total Liabilities
million. Year 2014, the company issues bond amounted to IDR 500.000
million and medium term notes amounted to IDR 120.000 million. Year
c. Bond payables
JUMLAH LIABILITAS
/ NUMBER OF LIABILITY
106
4th Medium Term Note amounted IDR 120.000 million on March 18th,
sebesar Rp. 120.000 juta pada 18 Maret 2014. Wesel bayar jangka
31st, 2013 was IDR 293.419 million, an increase of IDR 293.419 million
31st, 2012. The increase in 2013 was primarily due to the issuance of
107
financing scheme.
(LLL), in which also state that total equity is included in the calculation
Capital stock
being the reason why the Company distributed its dividend payment in
significant amount.
EKUITAS/EQUITY
31 Desember/ 31 Dec
Uraian
2012
Modal saham
200.000
Pendapatan (beban)
komprehensif lain
- Telah ditentukan
penggunaannya
- Belum ditentukan
penggunaannya
Jumlah Ekuitas
%
16,3%
2013
200.000
0,0%
%
18,4%
Explanation
2014
200.000
%
13,0%
0,0%
-489
0,0%
2,6%
Appropriated
3.150
0,3%
13.150
1,2%
40.000
1.026.322
83,5%
876.462
80,4%
1.296.506 84,4%
1.229.472
100%
1.089.612
100%
1.536.017
100%
Uappropriated
Total Equity
The dividend distribution policy both the timing and the amount of
selama tahun 2014 yaitu dividen interim (per kuartal) sebesar 55%
55% of the Companys net income in 2014, combined with the payment
atas laba bersih tahun 2013 Perusahaan sebesar 0,6%. Jumlah ekuitas
80%
Dividen Tunai
536.162
Dividen Interim
438.460
930.000
548.567
st
Total
Jumlah Lembar Saham
Dividen Per Saham
2012
729.501
2013
Explanation
2014
1.000.742
Comprehensive Income
100%
55%
145.141
5.281
935.281
974.622
1.075.141
553.848
20.000.000
20.000.000
20.000.000
48.731
53.757
27.692
Cash Dividends
Interim Dividends
Total
Number of Shares
Dividend per shares
JUMLAH EKUITAS /
TOTAL EQUITY
(dalam jutaan Rupiah/in million Rupiah)
108
109
a. Pembiayaan konsumen
asset tetap, bagian atas laba neto entitas asosiasi dan laba selisih
PENDAPATAN/ REVENUE
Uraian
2012
12 Bulan
2013
12 Bulan
2014
12 Bulan
Explanation
Pembiayaan Konsumen
1.403.876
87,3%
1.652.806
85,5%
1.880.362 86,3%
Consumer financing
Sewa Pembiayaan
11.417
0,7%
22.455
1,2%
23.562
1,1%
Anjak Piutang
1.586
0,1%
1.529
0,1%
2.010
0,1%
Factoring
177.151
11,0%
219.356
11,3%
228.341
10,5%
4.612
Pendapatan bunga
2.871
0,2%
9.065
0,5%
9.795
0,4%
7.113
0,4%
24.807
1,3%
29.620
28
0,0%
0,0%
Jumlah Pendapatan
1.608.654
0,3%
100,0%
2.803
0,1%
1.932.821 100,0%
4.557
2.178.247
b. Finance Lease
naik 4,9% dari tahun 2013. Pada tahun 2013, pendapatan sewa
Interest income
IDR 11.038 million, hike 96,7% from 2012. This was in line with the
1,4%
the primary focus, the Company plans to increase its finance lease
0,0%
Total Revenue
100,0%
atau 12,7% dari tahun 2013. Pada tahun 2013, jumlah pendapatan
increase of IDR 1.107 million, 4,9% hike from 2013.In 2013, income
0,2%
JUMLAH PENDAPATAN /
TOTAL REVENUE
Income from Finance lease for 2014 reached IDR 23.562 million, an
a. Consumer Financing
c. Factoring
In 2014, revenue from overdue penalty and other income was IDR
the figure in 2013. In 2013, revenue from overdue penalty and other
or 23,82% hike from IDR 177.151 million in 2012. The increase was
110
111
tahun 2012, 2013 dan 2014. Pada tahun 2010, Perseroan mencatat
2012, 2013 and 2014. In 2010, the Company recorded a Gain on sale
ditangguhkan; bagian atas rugi neto entitas aossiasi; dan rugi selisih
medium term notes; share of losses of associate entity net and loss on
kurs neto. Rincian dari beban Perseroan dan tahun 2012, 2013 dan
f.
g. Interest Income
naik 8,1% dari tahun 2013. Pada tahun 2013, pendapatan bunga
sejumlah Rp.6.194 juta atau lebih dari 2 kali lipat dari tahun 2012
2012
Uraian
Gaji, tunjangan
dan kesejahteraan
karyawan
12 Bulan
2013
%
2014
12 Bulan
212.579
30,8%
252.946
29,8%
29,88%
193.202
1,2%
242.293
28,5%
Beban bunga
220.019
34,61%
237.893
0,1%
300.167
35,4%
Interest expense
Cadangan kerugian
penurunan nilai piutang
46.412
7,30%
20.362
11,3%
28.331
3,3%
14.933
2,35%
12.710
0,1%
11.209
1,3%
13.881
14.951
2,35%
12.848
0,5%
0,0%
0,0%
0,0%
80
0,0%
Jumlah Beban
635.779
100%
689.674
100,0%
Pada tahun 2014, bagian atas laba neto entitas asosiasi sebesar
dibanding tahun 2013. Pada tahun 2013, bagian atas laba neto
more than two and half times compare to 2012 amount of IDR 7.113
Rp.7.113 juta.
million.
i.
In 2014 and 2013, The Company did not record any net foreign
Explanation
23,51%
12 Bulan
149.473
Jasa profesional
BEBAN/ EXPENSE
i.
1,6%
Professional fees
0,0%
0,0%
848.836
100,0%
Total Expenses
dan administrasi.
JUMLAH BEBAN/
TOTAL EXPENSE
(dalam jutaan Rupiah/in
in million Rupiah)
Indonesia.
112
113
sejumlah Rp.40.367 juta atau naik 19,0% dari tahun 2013. Pada
2012
2013
2014
12 Bulan
12 Bulan
12 Bulan
1.608.654
1.932.821
2.178.247
Income
Beban
635.779
689.674
848.836
Expenses
972.875
1.243.147
1.329.411
relatively same.
(243.374)
(307.866)
(328.669)
Laba Bersih
729.501
935.281
1.000.742
Net income
1.107
(489)
730.608
935.281
1.000.253
2014.
b. Umum dan Administrasi
Uraian
Pendapatan
Pendapatan Komprehensif
Explanation
from the figure in 2013. The incremental was primarily due to the
increase IDR 64.972 million or 6,9% hike from the figure in 2013. In 2013,
decrease of IDR 3.211 million or 1,7% drop from the figure in 2012
atau 6,9% dari tahun 2013. Pada tahun 2013, laba komprehensif
IDR 205.780 million or 28,2% hike from the figure in 2012 amounted
to IDR 729.501 million. The increase in net profit was based on higher
c. Interest Expense
Laba Komprehensif
of IDR 62.274 million or 26,2% hike from the figure in 2013. In 2013,
peningkatan beban.
IDR 220.019 million. This increase was due to the increase in cost of
Comprehencive income
Rp.7.969 juta atau 39,1% dibanding tahun 2013. Pada tahun 2013,
2014.
114
115
Cash inflows for the Company are mainly cash receipts from customers
installment, bank loans, fund in cooperation with banks and fund from
the capital market. The Companys primary need for liquidity is to meet
working capital need and to repay maturing loan. The following table
Uraian
from operation were greater than the cash receipts from financing
due to greater cash receipt from customers along with the growth
2012
2013
2014
Explanation
137.019
51.941
753.867
(7.665)
(10.178)
(123.736)
In term of cash flows from operating activities for the year ended
(127.841)
(42.455)
(628.396)
Perseroan
sebesar
1.513
(692)
1.735
2.046
3.559
2.867
sehubungan
pembiayaan
3.559
2.867
4.602
IDR 23.914.607 million with the result that the net cash acquired by
116
berhasil
mencatat
dengan
transaksi
penerimaan
kas
kerjasama
In term of cash flows from operating activities for the year ended
Cash receipts from operation were greater than the cash receipts
Perseroan.
The use of cash for investment in 2014 was IDR 123.736 million, an
from operation were greater than the cash receipts from financing
due to greater cash receipt from customers along with the growth
The use of cash for investment in 2013 was IDR 10.178 million, an
2013.
The use of cash for investment in 2012 was IDR 7.665 million, an
st
In term of cash flows from operating activities for the year ended
st
117
bank loan, bond and cash dividend in 2014. Total payment of bond
553.848 million.
Rp.553.848 juta.
Uraian
2012
2013
2014
Explanation
LIABILITIES
166.027
698.603
1.292.170
32.982
26.852
22.873
Accrued expense
80.791
69.181
52.076
1.164
1.164
517
24.600
1.007.160
1.290.013
675.000
Bonds payabl
bank loan, bond and cash dividend in 2013. Total payment of bond
Utang obligasi
Utang lain-lain
763.769
714.468
631.406
Other payables
1.075.141 million.
2.051.893
2.824.882
2.674.042
Total liabilities
Rasio likuiditas
1,71x
1,36x
1,37x
Likuidity Ratio
tried to adjust the tenor of loan profile by the tenor of the consumer
sources.
Rp.1.075.141 juta.
The level of liquidity reflects the companys ability to meet its short term
asset to be acquired within a less than one year period, including: the
waktu kurang dari satu tahun, mencakup: jumlah kas, setara kas,
that will mature within one year. Short-term liabilities are the total
the amount of bonds within one year. In terms of cash flow in operating
obligasi yang jatuh tempo dalam satu tahun. Ditinjau dari arus kas
Uraian
2012
2013
Explanation
2014
ASSETS
ASET LANCAR
Kas dan bank
3.559
2.867
4.602
3.413.699
3.572.625
3.409.331
66.243
121.647
133.949
5.683
9.244
14.300
Factoring receivables
677
89.894
85.431
Piutang lain-lain
16.359
34.986
14.978
Piutang derivatif
Penyertaan lainnya
3.506.220
3.831.263
3.662.591
The Companys liquidity for the year ended December 31st, 2012
within one year. In terms of cash flow in operating activities for the
tempo dalam satu tahun. Ditinjau dari arus kas aktivitas operasi
year ended December 31st, 2012, the Company recorded cash proceeds
Other receivables
Derivative receivable
IDR 41.701.558 million. The total amount of the Companys net cash
Other investment
Total Assets
118
119
years ended December 31st, 2014, 2013 and 2012 are respectively
76,19%, 80,66% and 54,06%. A decreasing of the ratio from year 2014
quite significant.
Uraian
Total Laba Komprehensif Tahun Berjalan
Ekuitas
Solvabilitas merupakan kemampuan Perusahaan untuk memenuhi
by the ratio between total liabilities to equity (equity solvency) and total
31-Des
2013
2014
730.608
935.281
1.000.253
Net income
1.089.612
1.536.017
Equity
1.229.472
Explanation
2012
54,06%
80,66%
76,19%
2013, dan 2012 masing-masing adalah sebesar 2,99 kali, 4,32 kali,
2012 respectively were 2,99 times, 4,32 times and 2,94 times.
2013
2014
Uraian
12 Bulan /
12 months
12 Bulan /
12 months
12 Bulan /
12 months
Jumlah liabilitas
3.613.475
4.708.422
4.592.402
Total liabilities
Jumlah Ekuitas
1.229.472
1.089.612
1.536.017
Total Equity
2,94
4,32
2,99
Solvabilitas ekuitas
Explanation
Equity solvability
dan 2012 masing-masing adalah sebesar 0,75 kali, 0,81 kali, dan 0,75
2012 are respectively amounted to 0,75 times, 0,81 times and 0,75 times.
kali.
the years ended December 31st, 2014, 2013, and 2012 were 16,77%,
17,58% and 17,12%. During the past three years, return on average
tahun terakhir, rasio rata-rata imbal hasil aset relatif stabil, sekitar
17%.
Uraian
Aset
2013
2014
Uraian
12 Bulan /
12 months
12 Bulan /
12 months
12 Bulan /
12 months
Jumlah liabilitas
3.613.475
4.708.422
4.592.402
Total liabilities
Jumlah aset
4.842.948
5.798.034
6.128.419
Total assets
0,75
0,81
0,75
Solvabilitas aktiva
120
Explanation
31-Des
Explanation
2012
2013
2014
730.608
935.281
1.000.253
Net income
5.798.034
6.128.419
Assets
4.842.948
17,12%
17,58%
16,77%
Activa solvability
121
The company handle non performing loan (NPL) since the earlier
stage, start form the first day default, and is divided into four stages.
(The stages of handling the NPL issue are described in Chapter 7.3.2 -
NPL with overdue more than 30 days and total assets manage asset
0,96%
1,10%
0,70%
0,60%
0,52%
0,50%
0,30%
122
2010
in which each shares nominal value is IDR 10.000 (ten thousand rupiah).
The authorized capital which has been subscribed and paid is IDR
58.592.000.000 (fifty eight billion five hundred and ninety two million
puluh dua juta rupiah) atau 5.895.200 (lima juta delapan ratus
and two hundred) shares. The shares which are still in deposit can be
approval of GMS.
million one hundred four thousand and eight hundred) shares, in which
each shares nominal value is IDR 10.000. Thus, all shares value is IDR
141.048.000.000 (one hundred forty one billion and forty eight million
rupiah).
follow:
0,68%
0,44%
2011
2012
2013
2014
Always Deliver Better Version - BCA Finance 2014
123
Modal Dasar/Capital
50.000.000
Persentase
Percentage
%
500.000.000.000
19.915.185
199.151.850.000
99,58
84.815
848.150.000
0,42
20.000.000
200.000.000.000
100,0
30.000.000
300.000.000.000
Pada tahun 2014, tidak ada kejadian yang sifatnya luar biasa atau
Until this Annual Report is issued, the Companys capital structure and
mengalami perubahan.
Sebagai perusahaan pembiayaan, Perusahaan turut tunduk
The loan amount for each Financing Company compared with net
Keterangan / Description
Modal Disetor/Paid-up Capital
Rp.200.000
Minimum 50%
615%
DER
2,94x
2013
Rp.200.000
545%
4,32x
2014
Rp.200.000
768%
2,99x
22nd, 2019
According to its authority, via Annual GMS, the Company determines the
for reserve requirement, dividend division and other uses when the
development. The expense upon capital goods in 2014, 2013, and 2012
amount for 2012, 2013, and 2014 has been described in SECTION 6.2.1.3
juta, Rp.10.386 juta dan Rp. 8.046 juta. Pengeluaran barang modal
8.046 million. The expense of such capital goods is mostly used for the
2012, 2013 dan 2014 telah dijabarkan pada SUBBAB 6.2.1.3 tentang
124
125
goods in detailed:
Keterangan / Description
2012
2013
2014
Aktiva Tetap;
Fixed Assets;
Tanah / Land
1.907
82.735
8.046
8.479
7.757
Jumlah / Total
8.046
10.386
90.492
From 2012 until 2014, the Company has no material bonding upon
Perusahaan.
Company.
Manajemen
Perusahaan tidak program kepemilikan saham oleh karyawan dan/
atau manajemen.
and/ or management.
Perusahaan.
126
127
07
112
113
106
111
97
91
97
103
105
91
79
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Agt
Sep
Okt
Nov
Des
TINJAUAN BISNIS
BUSINESS OVERVIEW
Low Cost Green Car (LCGC) dan segmen multi purpose vehicle
prior years, new car sales also go up ahead of Eid al-Fitri which falls
juga kembali naik menjelang Hari Raya Idul Fitri yang jatuh
the Indonesia International Motor Show 2014 also raised car sales in
Indonesia.
car programs that are well received by the community, as well as offer
a wide range of new car models in 2014. All of this sustains the survival
129
Growth over the past five years, the distribution of BCA Finance
yang kompetitif.
and attractive offer. The Company also looks at the growth of the
automotive industry in the next few years is still good. This is because
for the Financial Services Sector that effective on August 6th, 2014. This
tinggi.
Selain perkembangan industri otomotif, perkembangan ekonomi
New Regulation
Regulasi Baru
dan
2014, including:
Guna
meningkatkan
pengembangan
pengetahuan
Perusahaan
senantiasa
meningkatkan
pelayanan
Bermotor dan Harta Benda Serta Jenis Risiko Khusus Meliputi Banjir,
Business Line and Possessions and Special Risk Type Covered Flood,
the customers bear which then also influence the distribution of new
company:
a. POJK
No.
1/POJK.07/2014
tentang
Lembaga
Alternatif
a.
c. POJK No. 10/POJK.05/2014 regarding Risk Assessment Level of NonBank Financial Institutions
f.
Perusahaan Pembiayaan
h. POJK No. 29/POJK.05/2014 tentang Penyelenggaraan Usaha
Perusahaan Pembiayaan
i.
Perusahaan pembiayaan
130
i.
is projected to still slow in 2015. All of this is a major challenge for BCA
131
in 2015 are wide open with the issuance of FSA Regulations related
base.
the companies that are supported by ATPM and Bank. The reliability
relationship.
optimal.
132
133
the best value to its stakeholders. Accordingly, BCA Finance also strives
appropriate credit policy that focuses on low risk financing sectors, the
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 that qualify.
owned by the Company are factors that also determine the interest rate
MUTUAL
saling
service and competitive interest rates. The same also applies to all
customers.
terbaik dan juga tingkat bunga yang kompetitif. Hal tersebut juga
RELATIONSHIP,
menjalin
kerjasama
yang
and to provide the best value. For that reason, BCA Finance constantly
competitive interest rates. To obtain the low rate funds, BCA Finance
The fourth strategy is translated into the Companys long -term work
dalam mencapai visi dan misi. Sepanjang tahun 2014, BCA Finance
Perusahaan.
terkendali.
analysis.
Synergizing with BCA. One of the BCA Finance key success factors
is the synergy built with BCA as the parent company. The Synergy is
134
The synergy built between BCA Finance and BCA has created
135
competitive price.
o Data base dan jaringan yang luas
Finance.
Finance.
13,03%
11,07%
10,56%
Pangsa Pasar
Penjualan Mobil Nasional
2010
2011
2012
2013
2014
The development of the national new car sales does not only become
the parameter for the automotive industry growth, but it also measures
11,07%, although has little bit decreasing compare to year 2013. The
share from year to year, of course, through the execution of the right
strategy.
12,80%
o Managemen risiko
12,41%
Sulawesi.
berkualitas
BCA Finance menyadari bahwa sumber daya yang berkualitas
BCA Finance realizes that quality resources are the basic elements
kompetensi tinggi.
136
137
layanan. Citra baik yang telah melekat ini Perusahaan jaga dan
Sebagai Perusahaan yang bergerak di bidang jasa, memberikan
and mission.
memadai
Mengembangkan
sistem
dan
proses
kerja
secara
improve productivity
Apply operational process conforms to applicable procedures and
The best service is inseparable from the work process designed as well
to success. BCA Finance also relies on the belief, and make it part of
practices.
Those both surveys are means to gain the latest feedback in order to
The results of the survey and the information are followed-up as a basis
form of product development, system, and process. All of these are the
The company is fully aware that not all services the Company provides
138
139
Mobile Entry and Counter Survey. Not only that, the Company also
services.
implements Kaizen.
One of the real forms to the Companys efforts in improving the service
The company continues to get closer to and listen to the needs of its
Finance services.
absolutely required.
dalam menjalankannya.
konsistensi layanan.
BPKB (Vehicle Owner Book) reservation system that offers the ease
and speed for consumers in getting back the BPKB upon paid off
loan;
qualification standards are always met. The exam itself aims that
Finance branch.
b. Layanan
as well. To ensure the internal control function goes well, the Company
through:
c. The Employees
c. Karyawan
b. The Services
detection.
luar kantor cabang BCA Finance. Pelanggan pun akan lebih leluasa
office. Customers will also be more flexible and can do at the time of
operasional
There are three main pillars in developing the quality of the Companys
their complaints such as email, call center HALO BCA, suggestion box,
kotak saran, SMS , web site corporate, kantor cabang terdekat, dan
SMS , corporate website, closest branch offices, and so on. All complaints
are analyzed and will be the basis for process and standard service
a. Proses
a. The Process
140
formed the Customer Care unit that focuses on handling the entire
141
maksimal.
kebijakan-kebijakan
oleh
strategis
yang
telah
ditetapkan
PEMASARAN
MARKETING
In 2014, although the number of national new car sales slightly declined
but was able to keep it at around 1,2 million units. When compared with
prior year, at 1.229.916 units, national car sales have decreased by about
credit quality.
(direct approach to customers of the Bank via KKB BCA products). With
IDR 22,61 trillion, or about 160 thousand vehicle units. This number
baru sebesar Rp.22,61 triliun atau sekitar 160 ribu unit kendaraan.
share and launches new products that suit the needs of consumers
marketing includes:
konsisten.
Perusahaan bersinergi dengan BCA sehingga dapat menggali
The Company works synergy with the Bank to explore the potential
of existing markets.
melalui iklan rutin di media massa dan media luar ruang dan
142
partner
bisnis
dan
brand awarness,
Perusahaan
143
APTM
Dealer reward program
Promosi dan iklan di media masa, media luar ruangan dan
cabang BCA
branch offices.
PENGELOLAAN PIUTANG
piutang bermasalah. Hal ini terlihat dari angka non performing loan
Non Performing Loan (NPL) figure less than 1%. In the end of 2014,
(NPL) yang tetap terjaga dibawah 1%. Pada akhir tahun 2014 tingkat
tidak lepas dari adanya strategi dan perbaikan terus menerus yang
to four (4) stages. In 1-7 days overdue, Desk Collection Unit reminds
144
customers.
Process (TI & BisPro) in the Company relies on its vision, to be one of
the Companys pillars to move forward through its role as enabler and
that would include not only speed issue but also security, accuracy, and
Business Process
various procedures and work step. All of these aim to create a standard
145
APLIKASI PENDUKUNG
SUPPORTING APPLICATION
the Company. The Company also periodically monitors and inspects the
effectiveness of the process runs on site. Not halting there, the Company
and the strategy the Company has defined. Alignment process is made
pendukung lainnya.
Perusahaan.
dalam bentuk digital antara lain BPKB dan dokumen data diri
konsumen.
terkait.
repayment, showroom for new and used cars, and many other
mobil bekas, dan masih banyak fitur lain yang akan terus
Tekonologi Informasi
Information Technology
are better organized, and the retrieval processes are faster, stock
checking process duration are cut to hours from days. This RFID
147
Since 2010, the Company has owned Disaster Recovery System (DRC)
processing application input, the officer will carry out the input
that exists on DRC so that the operational function can run normally.
melalui tablet.
Mobile Collection adalah suatu aplikasi yang mengakomodasi
simulasi kredit (normal atau fix & cap), cetak Surat Keterangan
autodebet.
process, the use of mobile applications and BCA Finance Apps. Those
digitally.
BCA Finance Apps are present to make easy and speed up access
products.
smartphone application.
BCA Finance.
Finance
Apps
hadir
untuk
mempermudah
dan
each branch. In addition, the Company also applied the Redundant Link
Company are one of the important things to consider. Under the system
latest technology, and also update the database to the latest version.
policy for each PC and Server. Based on the user side, the Company
Perusahaan.
objectiveness is maintained.
the Company in the future. The company will develop and increase
operational business survival of the disaster that may occur either from
148
149
dalam bentuk Man Power Planning (MPP) yang menjadi tolak ukur
basis is derived from the value of FOCUS, as the value of the Company
performance significantly.
Perkembangan Organisasi
Organizational Development
kerja yang ada, agar tidak menimbulkan risiko yang dapat merugikan
unit, so as not leading to a risk which can damage the Company. The
sejalan dengan arah, tujuan dan fokus dari organisasi. Selama tahun
2014, struktur organisasi hanya mengalami perubahan secara mikro
the direction, purpose and focus of the organization. During 2014, the
change is made to align with the Companys growth so that the existing
the process of seeking the applicant, the Company works together with
through jobfair, campus hiring event, etc. in several cities. The Company
is not found
massa.
pemenuhan karyawan.
tumbuh dengan pesat baik dari segi target keuangan, sumber daya
Pengembangan
kepribadian
is more focused and control function can run effectively and efficiently.
requirements and needs of each work units that are translated in the
form Competency Dictionary. The Company also holds the Road Map
150
keahlian
maupun
151
Jenis Training/Type
Standard Penampilan
Marketing Training
Kaizen
November-Desember
(Kantor Pusat)
1 Batch
(Kantor Pusat)
1 Batch
(Kantor Pusat)
8 Batch/s
(Kantor Pusat)
2 Batch/s
(Kantor Pusat)
Operation Review
2 Batch/s
(Kantor Pusat)
1 Batch
(Kantor Pusat)
With the policy, system and work program, the Company strives to
Training Reguler
period more than a year. The subject in this training covers soft skill
Proaktif.
2. Staff Development Course 2; diberikan kepada staff dengan
masa kerja lebih dari 2 tahun. Materinya masih diadopsi dari
two years period of service. The subject is still adopted from the
topic on Seven Habit, i.e. Assertive Behavior.
Project Training
employees:
152
Jenis/Type
Total
Internal
Rp.97.215.255,-
In House
Rp.1.307. 201.800,-
Eksternal
Rp.43.100.000,-
Jumlah
Rp.1.447.517.055,-
Training Program
153
was held a Coaching training for the level of Branch Manager, Branch
Operation Head, Branch Collection Head and Unit Head up so that they
optimally.
asset to run the continuity of the Company in achieving its target. The
sanksi
sesuai
dengan
tingkatan-tingkatan
BCA Finance has set up those two issues clearly either through policy or
sumbangsihnya
Perusahaan.
Perusahaan.
terhadap
pertumbuhan
bisnis
hal yang sangat penting di era teknologi ini. Hingga tahun 2014
issue in this technological era. Until 2014 BCA Finance developed the
diri karyawan.
and appraisal of the discipline. KPI begins to compile at the end of the
process the manpower data. HRIS can facilitate and empower each
the year and is a measure of the Company success, work unit, up to the
absenteeism, and other medical claim. Since May 2013, the Company
employees.
penilaian
terhadap
pencapaian
Career path in BCA Finance is divided into two, i.e. structural and
high level both in core function and support function division. Since
the potential and being part of the career path development of each
communication
154
quality
and
coordination,
both
horizontal
155
1. Bulletin
1. Bulletin
5. Budaya Perusahaan
5. Corporate Culture
Using internal mass media such as BCA Finance Info bulletin as a tool
VIMIVA training, i.e. the training on the Vision, Mission, Values and
pelatihan tentang Visi, Misi, Nilai dan Kode Etik BCA Finance; dan
Code of BCA Finance Ethics; and become part of the curriculum for
BCA Finance Bulletin is made in two editions i.e. printed edition and
Company objectives.
2. Survei
mengetahui
been well done and what needs to be improved. The survey is also
Perusahaan
menyadari
pentingnya
untuk
Perusahaan.
peraturan
Indonesia
working relationship.
ketenagakerjaan
yang
berlaku
di
156
4. Informal Events
Informal events that are carried out in 2014 include Bazaar, sport
Employees can channelize their talents and hobbies, join and chat
157
believes that there are still large opportunities in the finance industry.
consumer protection.
Commitment to Community
In line with the increasing growth of the business, and also as a form
kepada masyarakat.
Welcoming 2015, economic uncertainties still haunt business players
Pengembangan
Perusahaan
challenging year for the financing industry, BCA Finance is aware of the
challenges include:
interest rate (BI rate) which has a significant impact on loan rate
and deposit.
Perusahaan
mengembangkan
both of skills and knowledge. Not only that, the Company also
seluruh Indonesia.
also affects not only costs but also access to working capital of the
efficient, the Company will conduct a review both macro and micro
financing firms.
pembiayaan.
Menyambut
tahun
2015,
ketidakpastian
ekonomi
masih
Pertumbuhan
ekonomi
Indonesia
diperkirakan
masih
158
akan
Sumber
secara
Daya
terus
Manusia
menerus
dan
Organisasi
159
Inovasi Produk
Product Innovation
Perusahaan senantiasa mengembangkan dan berinovasi dalam The Company continues to develop and innovate in terms of products
hal produk dengan keyakinan untuk memberikan nilai terbaik with confidence to deliver the best value to all customers and the
kepada seluruh pelanggan maupun masyarakat. Setelah sukses community. After successful launching new products in 2012, known
meluncurkan produk baru di tahun 2012 yaitu Mini for Max dan Fix as Mini for Max and Fix and Cap, the Company continues to introduce
and Cap, Perusahaan terus mengenalkan produk baru tersebut new products to the public. Another new product innovation has been
kepada masyarakat. Inovasi produk baru lainnya telah dipersiapkan prepared in details and mature to get chance in 2015.
dengan rinci dan matang untuk mendapatkan kesepatan di tahun
2015 ini.
Pengembangan
Teknologi
Informasi
Berkelanjutan
Quality Improvement
Untuk menunjang keberhasilan suatau bisnis tidak akan terlepas dari To support the success of a business will not be separated from the
adanya sistem teknologi yang terintegrasi dengan baik, oleh karena integrated technology system properly, and therefore the development
itu dibutuhkan pengembangan teknologi informasi terkini serta of the latest information technology and reliable human resources are
kualitas sumber daya manusia yang handal. Di tahun 2015, Perusahaan highly needed. In 2015, the Company will continue the development
melanjutkan pengembangan dan pemeliharaan teknologi yang and maintenance of existing technologies, as well as infrastructure
sudah ada, serta pembangunan infrastruktur teknologi ke arah development towards mobile technology. Not only that, the Company
mobile. Tidak hanya itu, Perusahaan juga terus meningkatkan standar will also continue raising standard system security and devices, and the
keamanan sistem dan perangkat, serta penerapan standarisasi implementation of standardized operational process. These all aim at
proses operasional. Semuanya ini bertujuan untuk meningkatkan improving efficiency in supporting the most competitive price strategy.
08
Untuk terus bergerak dan menuju pencapaian target yang To keep moving and leading to the achievement expected target, the
diharapkan, Perusahaan akan terus dan selalu menerapkan fungsi Company will continue and always apply a risk management function
manajemen risiko yang senantiasa mengacu pada prinsip kehati- which continues to rely on the precautionary principle.
hatian.
Efektivitas Proses dan Efisiensi Biaya
Memasuki
tahun
2015,
Perusahaan
terus
melakukan Welcoming 2015, the Company will continue to improve systems and
penyempurnaan sistem dan prosedur yang disesuaikan dengan procedures which are adapted to current condition in the market
kondisi terkini di pasar untuk menghasilkan proses kerja yang to generate more effective and efficient work processes by reducing
semakin efektif dan efisien dengan mengurangi non value added non value added process in order to keep competitive and increase
process agar dapat terus bersaing dan meningkatkan produktivitas, productivity, efficiency and support the business operations.
efisiensi serta mendukung aktivitas kegiatan usaha.
Diversifikasi Pendanaan
Funding Diversification
Dalam rangka mendukung target pelepasan kredit serta untuk In order to support a credit release target and to diversify sources of
mendiversifikasikan sumber dana, Perusahaan akan mengeluarkan fund, the Company will issue a debenture or bond issuance which must
surat hutang atau penerbitan obligasi yang tentunya disesuaikan be adapted to the conditions in the market. In addition, the Company is
dengan kondisi di pasar. Selain itu, Perusahaan juga senantiasa also constantly looking for safe and inexpensive alternative sources of
mencari alternatif sumber pendanaan yang aman dan murah agar funding to compete in the market. In addition, with the full support of the
dapat bersaing di pasar. Selain itu, dengan adanya dukungan penuh parent company, PT Bank Central Asia Tbk., which has been continuously
dari induk perusahaan, yakni PT Bank Central Asia Tbk., yang secara supporting the Company in funding sector has increasingly strengthened
terus menerus mendukung Perusahaan dalam hal pendanaan the Companys position in the finance industry in Indonesia.
telah semakin memperkokoh posisi Perusahaan dalam industri
pembiayaan di Indonesia.
160
TATA KELOLA
PERUSAHAAN
GOOD CORPORATE
GOVERNANCE
purpose:
dimana bertujuan:
1. Mendorong tercapainya kesinambungan Perusahaan melalui
3. Drive Company that put a base by the high moral value and
compliance to law and regulation in making any decision.
tetap
memperhatikan
pemangku
kepentingan
(stakeholder) lainnya.
Dalam menerapkan prinsip-prinsip Tata Kelola Perusahaan yang
in the finance company sector and other laws and regulations relevant
Companys values.
162
163
wajar.
Responsibilitas atau pertanggungjawaban, adalah kesesuaian
that is free from influence or pressure from any parties. In managing the
company, each Corporate Organ is not dominated each other and got
Fairness, is the principle that calls for fair and equal treatment by the
kesetaraan.
principles of GCG in all business aspects and to all its people. The
tersebut
responsibilitas,
those five principles is guided by the existing laws and regulations that
adalah
transparansi,
akuntabilitas,
equality.
3. Companys Value
Companys value is guidance for the management and the whole BCA
jenjang organisasi.
yang material dan relevan dengan cara yang mudah diakses dan
4. Code Of Conduct
the businees. The Company also takes the initiative to expose not only
Kode Etik Perusahaan adalah hal-hal yang harus dilakukan dan tidak
issues that are required by the regulations, but other material issues
not be done in interacting with other party, either internal and also
employees.
harinya.
pelaksanaan
expressly and clear, either that becoming the rights and obligations
of Company and also the rights and obligations of employees, the job
regulation, system of pay, leave and permission and social security for
employees.
Akuntabilitas,
164
adalah
kejelasan
fungsi
dan
165
166
1.
2.
3.
4.
5.
First-Class Teamwork
Orientation to Quality
Customer Focus
Uncompromised Integrity
Striving for Excellence
Always Deliver Better Version - BCA Finance 2014
167
Equal Opportunities
The Company recruits, develops and retains its best employees. The
Company believes in the diversity of employees in order to achieve
greater organizational success. The Company appreciates diversity of
discourse, background and experiences of each Stakeholder that are
needed to navigate the Company in the globalization era. The Company
provides equal opportunity to the employees related to recruitment,
training and development of its employees, regardless of race, religion,
belief, gender, or country.
Tanggung Jawab
Perusahaan mengharapkan seluruh Insan Perusahaan bertindak
sesuai dengan standar perilaku, integritas dan profesionalisme
tinggi dalam segala aspek pekerjaannya dan menjaga kepatuhan
terhadap peraturan perundang-undangan, ketentuan internal dan
kebijakan Perusahaan, termasuk Kode Etik Perusahaan. Perusahaan
juga menginginkan setiap Insan Perusahaan menjunjung tinggi
etika dalam bekerja dan bertindak. Kode Etik Perusahaan bukanlah
suatu bentuk kontrak kerja dan bukan pula jaminan untuk
kelangsungan kerja.
Etika kepada rekan kerja turut mencakup:
1. Mampu menghargai dan mendukung rekan kerja yang lain
tanpa membedakan usia, suku, agama dan jenis kelamin.
2. Tidak saling menjatuhkan, iri, egois, serta tidak mendukung
perbuatan rekan yang dapat merugikan Perusahaan.
3. Mampu untuk menghindari perselisihan kepentingan antara
urusan pribadi dan pekerjaan.
4. Mampu untuk mengintrospeksi dirinya sendiri sebelum
menyalahkan rekan / bagian lain.
5. Mampu menjaga segala informasi yang berkenaan dengan
rahasia Perusahaan.
6. Mampu untuk menjaga kesopanan dengan berpakaian yang
pantas dan wajar di tempat kerja.
Responsibility
The Company expects all employees to act according to the standards
of conduct with integrity and high professionalism in all work aspects,
as well as to maintain compliance with the applicable laws and
regulation, internal regulation and Companys policy, including the
Code of Conduct. The Company would also like every employee to
uphold high ethical standards in working and taking action. The
Companys Code of Conduct does not serve as a work contract or a
guarantee for continuity of work.
Kesejahteraan
Untuk meningkatkan motivasi dan rasa aman dalam bekerja,
Perusahaan memberikan:
1. Fasilitas kesehatan, pinjaman, dan jaminan keselamatan kerja
bagi Insan Perusahaan.
2. Tempat kerja yang sehat, nyaman, dan aman.
3. Berbagai tunjangan, sesuai dengan ketentuan Pemerintah dan
kebijakan Perusahaan.
4. Program Dana Pensiun.
Welfare
In order to increase motivation and improve safety during work, the
Company provides:
1. Health care, loan and occupational safety guarantee for the
employees.
2. Healthy, comfortable and safe working environment.
3. Various allowances according to the Government regulation and
the Companys policy.
4. Pension Fund Program.
168
Komunikasi
Setiap Insan Perusahaan berhubungan satu sama lain secara
terbuka, tulus dan jujur. Perusahaan mengutamakan suasana
kebersamaan dan kekeluargaan dalam bekerja.
Communication
Each employee builds mutual relationships that are open, sincere and
honest with one another. The Company puts priorities on togetherness
and a sense of family in the work environment.
Penyalahgunaan Jabatan
Insan Perusahaan tidak boleh menggunakan informasi dan
wewenang yang dimiliki untuk mendapatkan keuntungan pribadi
atau keluarga atau orang lain.
Abuse of Power
Employees cannot use the existing information and authority for the
interests of personal or family or a group of people.
169
170
Objective Evaluation
Purchasing decisions must be based on objective evaluation on the
quality of products, reliability and integrity of the supplier/partner, as
well as from the value of those offers on the short-term and long-term
business targets of the Company.
171
172
KRITERIA PELAPORAN
REPORTING CRITERIA
TAHAPAN PELAKSANAAN
IMPLEMENTATION PHASES
LAPORAN PELANGGARAN
REPORT OF VIOLATION
173
Organ Perusahaan yang memiliki wewenang yang tidak diberikan kepada Direksi
Company organ with the authorities which are not given to the Board of Directors or
the Board of Commissioners, with limitations specified on the Laws No. 40 year 2007
Komisaris,
atas
melaksanakan
keputusan-
also performs other duties based on the results of GMS or other duties
bertugas
tugas-tugas
melakukan
lain
sesuai
pengawasan
dengan
the Board of Directors are including to lead and manage the Company
Dewan Komisaris
/ The Board of Commissioners
yang mempunyai
theauthorities that are not given to the Board of Directors or the Board of
Dewan Direksi
/ The Board of DIrectors
174
Perusahaan.
Kewenangan RUPS
Authority of GMS
175
telah dilakukannya;
2. To confirm on the use of the Companys net profit;
misalnya
penggabungan,
perubahan
peleburan,
pengambilalihan,
dasar,
pemisahan,
anggaran
Pelaksanaan/
Realization
Keterangan/ Description
approval.
To determine the use of the Companys net profit for the year ended December 31st,
Penyelenggaraan RUPS
Convening of GMS
RUPS
RUPS
every year, at maximum 6 (six) months after the Company year end.
included:
Companys needs.
Tahunan
dan
berwenang
menyelenggarakan
2012
Perusahaan.
GMS was held on May 15th, 2013 has been reported specifically in 2013
pada tanggal 15 Mei 2013 telah kami sampaikan secara rinci dalam
Annual GMS:
Terdaftar yang tergabung dalam Kantor Akuntan Publik Terdaftar tersebut) yang
akan memeriksa / mengaudit buku dan catatan Perusahaan untuk tahun buku
To give full power and authority to the Companys Board of Commissioners to appoint
that Registered Public Accounting Firm) which will audit the Companys reports and
and records of the Company for the year ended December 31st,
records for the year ended December 31 , 2013 as well as to decide on the amount of
honorarium and other requirements related to the appointment of the Registered Public
st
Accounting Firm (including the Registered Public Accountant from that Public Accounting
Firm) in compliance with the applicable laws and regulations
176
177
Pelaksanaan/
Realization
Keterangan/ Description
Terealisasi/
Realized
pihak lain (antara lain kepada Bank, Penerbitan Obligasi mapun Medium Term Notes)
untuk periode sejak ditetapkan dalam RUPS Tahunan ini sampai dengan RUPS
Tahunan yang diselenggarakan pada tahun 2014 dengan ketentuan untuk setiap
sebagai berikut :
RUPS / GMS
TANGGAL / Date
16 September
2014/ September
16th 2014
RUPS TAHUNAN /
Annual General
Meeting of
Shareholder
20 Maret 2014 /
March 20th, 2014
1.
To give power and authority to the Companys Board of Directors to apply for credit/loan
on behalf of the Company to another party (including to the bank, through bond issuance
or through Medium Term Notes) for the specified period starting from the approval in
this AGMS until 2014 AGMS with the provision that any application for credit/loan the
Companys Board of Directors will receive prior approval from the Companys Board of
Commissioners
Memberikan kuasa kepada Direksi Perusahaan dengan persetujuan Dewan
Komisaris Pereseroan jika kondisi keuangan Perusahaan memungkinan untuk
membagikan dividen interim pada tahun 2013
Terealisasi/
Realized
Menyetujui dan mengesahkan Laporan Tahunan yang telah ditelaah oleh Dewan
Komisaris termasuk Laporan Keuangan Perusahaan yang terdiri dari neraca dan
perhitungan laba rugi Perusahaan untuk tahun buku yang berakhir pada tanggal 31
Desember 2013 yang telah diaudit oleh Kantor Akuntan Publik Siddharta & Widjaja.
To give power to the Companys Board of Directors per approval of the Companys Board of
Dewan Komisarsis.
dividend
To approve and ratify the Annual Report previously reviewed by the Board of Commissioners,
including the Companys Financial Statements, i.e. balance sheet and income statement for the
year ended December 31st, 2013, audited by the Public Accounting Firm of Siddharta & Widjaja.
2.
Menetapan penggunaan laba bersih yang diperoleh Perusahaan dalam tahun buku
yang berakhir pada tanggal 31 Desember 2013.
To determine the use of the Companys net profit for the year ended December 31st, 2013.
3. Memberikan kuasa dan wewenang kepada PT Bank Central Asia, Tbk. selaku
pemegang saham mayoritas Perusahaan pada saat ini untuk menetapkan besarnya gaji
dan tunjangan lainnya yang akan dibayar oleh Perusahaan kepada anggota Direksi dan
Dewan Komisaris Perusahaan untuk tahun buku yang berakhir 31 Desember 2013.
To give power and authority to PT Bank Central Asia, Tbk as the majority shareholder to decide
on the remuneration and other allowances, that will be paid by the Company, to the members of
the Board of Directors and the Board of Commissioners for the year ended December 31st, 2013.
4.
To give full power and authority to the Companys Board of Commissioners to appoint a
Registered Public Accounting Firm (including Registered Public Accountant from that Registered
Public Accounting Firm) which will audit the Companys reports and records for the year ended
December 31st, 2014 as well as to decide on the amount of honorarium and other requirements
related to the appointment of the Registered Public Accounting Firm (including the Registered
Public Accountant from that Public Accounting Firm) in compliance with the applicable laws and
regulations.
178
179
RUPS / GMS
TANGGAL / Date
5.
Granting full power and authority to the Companys Board of Directors to apply for a loan/
borrowed money on the Company behalf to others (among other to the Bank, Bonds Issuance
and Medium Term Notes) at a maximum amount to IDR 10.000.000.000 (ten billion rupiah)
and/or pledged billings/account receivables of the Company for the period since the RUPS was
stipulated until an Annual RUPS 2015 was convened provided that for each loan application/
borrowed the monies by the Companys Board of Directors might be prior approved by the
Companys Board of Commissioners.
6.
Persetujuan atas budget logistik tahunan Perusahaan sampai dengan nilai sebesar
Rp.1.200.000.000.000,- (satu triliun dua ratus miliar rupiah) untuk periode
sejak ditetapkan dalam RUPS Tahunan ini sampai dengan RUPS Tahunan yang
diselenggarakan pada tahun 2015
Approval of the Companys annual logistic budget up to a value of IDR 1.200.000.000.000 (one
trillion two hundred billion rupiah) for the period since this Annual RUPS stipulated until the
Annual RUPS convened in 2015.
7.
To give power and authority to the Companys Board of Directors to provide a collateral to other
party (including the bank) in the form of the Companys bills and receivables, related to the credit
application
8.
To give power to the Companys Board of Directors per approval of the Board of Commissioners,
according to the Companys financial condition, to distribute 2014 interim dividend
180
181
Komite Audit.
Audit Committee.
Indonesia.
in Indonesia.
Susunan Dewan Komisaris BCA Finance per 31 Desember 2014 adalah sebagai berikut :
The Composition of the Board of Commissioners of BCA Finance as of December 31th 2014 is as follows:
umum dan/atau
Nama / Name
Jabatan / Position
Ricki Immanuel
Presiden Komisaris
Komisaris Independen
Komisaris Independen
dalam Surat Keputusan No. 050 / SK/ DIR/ 2012. Pedoman ini
/ SK/ DIR/ 2012. The guideline has been published since May 2012 and
182
Catatan / Note: *) Merangkap Ketua Komite Audit / Also the Chairman of Audit Committee
183
berlaku.
applicable regulations.
Commissioners.
if the person assumes roles in the companies affiliated with BCA and
BCA Finance.
Komisaris
Commissioners
kemampuannya
Keberadaan
Dewan Komisaris:
Board of Commissioners:
untuk
bertindak
independen.
kepentingan lainnya.
mengevaluasi
follows:
duties responsibly and in good faith for the interests and business
Dewan Komisaris tersebut belum lulus Fit and Proper Test, maka
fit and proper test, then the term of office of that member will be
member.
Komisaris
wajib
memastikan
regulations;
terselenggaranya
effective as of the time he/she passes the fit and proper test) until
the closing of the 3rd AGM held after the first GMS that appointed the
tingkatan atau
jenjang
organisasi;
secara efektif;
effectively;
entitled to examine all books, letters and other evidences; have the
right to check and balance the cash condition etc; as well as have
b. Meninggal dunia;
b. Die
the right to know all the actions that have been implemented by the
Board of Directors;
Perusahaan;
order;
yang berlaku.
pemberhentian,
Rangkap Jabatan
Multiple Roles
Tata
cara
pengangkatan,
penggantian,
mereka;
9. Dewan Komisaris berhak mengusulkan penggantian dan/atau
pengangkatan anggota Direksi kepada RUPS;
184
Dasar Perusahaan.
Direksi;
185
lay off one or more members of the Board of Directors if the members
Kebijakan Remunerasi
Remuneration Policy
Perusahaan,
laws and regulations. The procedure for temporary layoff will refer
remunerasi.
melalaikan
kewajiban
dan/atau
melanggar
certain period.
the copies;
RUPS;
12. Dewan Komisaris wajib memiliki Pedoman dan Tata Tertib Kerja
yang bersifat mengikat bagi setiap anggota Dewan Komisaris.
yang berlaku.
regulations.
Directors to perform certain actions can also be made in the form of the
Komisaris.
wajib:
Commissioners must:
Komisaris
Commissioners for the year ended 31st December 2012, 2013 and 2014
are as follows:
adalah:
1. Terlibat dalam pengambilan keputusan kegiatan operasional
Jabatan / Position
2012
2013
2014
Komisaris / Commissioner
Rp.2.820.500.000,-
Rp.3.440.000.000,-
Rp.3.820.000.000,-
requirements:
2. Memanfaatkan
Perusahaan
untuk
kepentingan
pribadi,
3. To take and/or receive personal gains from the Company aside the
(empat) kali.
ditetapkan RUPS.
186
Direksi.
Commissioners.
187
Commissioners meeting.
Jumlah Rapat /
Number of
Meetings
Jumlah
Kehadiran /
Number of
Parcipation
% Kehadiran/
%Attendance
Alasan
Ketidakhadiran /
Reason of
Absence
Presiden Komisaris /
President Commissioner
12
10
83,3%
Cuti / On Leave
Komisaris Independen/
Independent Commissioner
12
12
100,0%
12
Adhi Gunawan
Budirahardjo
Komisaris Independen/
Independent Commissioner
12
12
100,0%
12
Roni Hasllim
Presiden Direktur /
President Director
12
12
100,0%
12
Direktur/
Director
12
11
91,7%
Perjalanan Dinas /
On Leave
Amirdin Halim
Direktur/
Director
12
12
100,0%
12
David Pangestu
Direktur/
Director
12
11
91,7%
Cuti / On Leave
Nama / Name
Jabatan / Position
Ricki Immanuel
follows:
27
Jan
2014
26
Feb
2014
27
Mar
2014
17
Apr
2014
21
Mei
2014
26
Jun
2014
24
Jul
2014
27
Agt
2014
25
Sept
2014
27
Okt
2014
26
Nov
2014
22
Des
2014
Nama / Name
Jabatan / Position
Ricki Immanuel
Presiden Komisaris /
President Commissioner
Komisaris Independen/
Independent Commissioner
Adhi Gunawan
Budirahardjo
Komisaris Independen/
Independent Commissioner
Roni Hasllim
Presiden Direktur /
President Director
Direktur/
Director
Amirdin Halim
Direktur/
Director
David Pangestu
Direktur/
Director
Keterangan : / Description :
: Hadir / Present
x : Tidak Hadir / Absent
188
* 18 Juli 2012, pengangkatan Bapak Adhi Gunawan Budirahardjo sebagai Komisaris Independen
* July 18th, 2012, appointment of Mr. Adhi Gunawan Budirahardjo as Independent Commissioner
KEP-399/BL/2012
tentang
Penetapan
Hasil
Penilaian
dan Direksi
of corporate governance.
189
peraturan.
Nama
Ricki Immanuel
Presiden Komisaris /
President Commissioner
Komisaris Independen/
Independent Commissioner
Adhi Gunawan
Budirahardjo
190
Jabatan
Komisaris Independen/
Independent Commissioner
Nama Kegiatan
Sebagai Peserta dalam International Seminar Asia Pacific and Indonesia Economic Review
yang diselenggarakan APPI pada tanggal 23 Mei 2014
As a Participant in the International Seminar on Asia Pacific and Indonesia Economic Review
held by APPI on May 23rd, 2014.
Sebagai Peserta dalam International Seminar The Global & Asian Economic Outlook 2015
yang diselenggarakan APPI pada tanggal 3 Oktober 2014
As a Participant in the International Seminar on The Global & Asian Economic Outlook 2015
held by APPI on October 3rd, 2014
Sebagai Peserta dalam Board and Executive Development Program For Insurance yang
diselenggarakan ISEA pada tanggal 20-21 September 2013
As a Participant in the Board and Executive Development Program For Insurance held by ISEA
on September 20th till 21st, 2013
Sebagai Peserta dalam International Seminar Asia Pacific and Indonesia Economic
Review yang diselenggarakan APPI pada tanggal 23 Mei 2014
As a Participant in the International Seminar on Asia Pacific and Indonesia Economic Review
held by APPI on May 23rd, 2014.
191
AUDIT COMMITTEE
sebagai berikut :
2014 is as follows:
Susunan Komite Audit BCA Finance Per 31 Desember 2013 / The Audit Committee Structure of BCA Finance Per December 31st, 2014
Nama
Jabatan
Anggota / Member
Yosa Prakarsa
Anggota / Member
Catatan / Note :*) Merangkap Komisaris Independen / Also assumes the role as Independent Commissioner
Komite yang ada di bawah Dewan Komisaris adalah Komite Audit.
Audit Committee. The Company does not have the Nomination and
KOMITE AUDIT
AUDIT COMMITTEE
on the planning and execution of audit and also oversight on the follow
Work experience:
1977 1978
1977 - 1978
1978 1979
1978 - 1979
1979 - 1979
1979 1979
1980 2012
Wilayah IX Jakarta
2012 sekarang Komisaris Independen merangkap Ketua
Komite Audit PT BCA Finance
2012 present
(lima) tahun.
3. Pengangkatan Anggota Komite Audit dilakukan oleh Direksi
kepada RUPS.
192
193
Komite Audit
Audit Committee
2009 and was re-appointed in 2012, for a period until June 30th, 2015.
Work experience:
1986 - 1992
1986 1992
1992 1998
1992 1998
1998 2004
1998 2004
2005 2012
2005 2012
Yosa Prakarsa
Yosa Prakarsa
Komite Audit
Audit Committee
are as follows:
act independently.
perusahaan
pembiayaan
dan
peraturan
Independent Commissioner.
Independen.
6. Tidak mempunyai:
Perusahaan; dan/atau
b. Hubungan usaha baik langsung maupun tidak langsung yang
berkaitan dengan kegiatan usaha Perusahaan.
Rangkap Jabatan
Multiple Roles
of Audit Committee.
Perusahaan.
30 Juni 2015.
yang bersangkutan:
they:
Work experience:
1986 - 1991
1986 1991
1991 1993
1991 1993
Asia, Tbk
1993 1995
1993 1995
1995 1999
1995 1999
2001 2012
2001 2012
2012 Present
194
Syarat Keanggotaan
Audit Committee.
are including:
195
follows:
terhadap:
a. Pelaksanaan tugas Divisi Audit Internal (DAI), turut mencakup:
Nama / Name
26
Jun
2014
24
Jul
2014
27
Agt
2014
26
Sept
2014
5
Nov
2014
26
Nov
2014
Ronald D. Pratanata
Yosa Prakarsa
performance.
27
Mar
2014
Audit.
26
Feb
2014
Jabatan / Position
Keterangan / Description :
(OJK)
3. Memberikan rekomendasi mengenai penunjukan Akuntan Publik
as follows:
Jabatan / Position
100%
Ronald D. Pratanata
100%
Yosa Prakarsa
100%
Commissioners.
4. Melakukan penelaahan atas kepatuhan Perusahaan terhadap
peraturan perundang-undangan serta ketentuan lainnya yang
with the Internal Audit Division. The authorities of the Audit Committee
mencakup:
are including:
196
Jumlah Rapat
/ Number of
Meetings
Jumlah
Kehadiran/
Number of
Parcipation
% Kehadiran/
% Attendance
Nama / Name
Keterangan :
*) 18 Juli 2012, pengangkatan Bapak Adhi Gunawan Budirahardjo sebagai Komisaris Independen
30 Juli 2012, pengangkatan Bapak Adhi Gunawan Budirahardjo sebagai Ketua Komite Audit
Description:
*) 18th July 2012, appointment of Mr. Adhi Gunawan Budirahardjo as Independent Commissioner
30th July 2012, appointment of Mr. Adhi Gunawan Budirahardjo as the Chairman of Audit Committee
197
20%
40%
60%
80%
100%
120%
TANGGAL / Date
Pembahasan rekap hasil Audit Internal Perusahaan terkait bagian Marketing dan bagian Collection.
26 September
2014 /September
26th, 2014
Pembahasan Rancangan Tata Kelola Perusahaan yang Baik Bagi Perusahaan Pembiayaan, terutama
dalam kaitannya dengan tugas dan wewenang Komite Audit dan pengendalian internal Perusahaan.
5 November 2014
/ November 5th,
2014
26 Februari 2014/
February 26th 2014
1. Peraturan Otoritas Jasa Keuangan (OJK) Republik Indonesia yang membatasi pemberian diskon premi
asuransi maksimum sebesar 25% (dua puluh lima persen). POJK baru tersebut, diproyeksi berpengaruh
cukup signifikan terhadap laba usaha Perusahaan.
Regulation of Financial Services Authority (FSA) of the Republic of Indonesia limits the giving of maximum
assurance premium discount amounting to 25% (twenty five percent). Such new RFSA is projected to have a quite
significant influence toward the Companys business profit.
2. Pengelolaan penyaluran pembiayaan mobil bekas diharapkan lebih memperhatikan kelengkapan
persyaratan pemberian kredit untuk menghindari adanya potensi kredit fiktif dan kemungkinan adanya
fraud yang berpotensi meningkatkan non performing loan.
The management of used car financing distribution is expected to be more taking into account the completeness
of credit grant requirements in order to prevent the potential of fictive credit and the possibility of fraud
potentially increasing non-performing loan.
3. Pengawasan terhadap Anak Perusahaan harus dilakukan sesuai dengan pelaksanaan Tata Kelola
Perusahaan yang Baik.
The supervision upon Subsidiary must be done according to the implementation of Good Corporate Governance.
27 Maret 2014 /
March 27th, 2014
26 Juni2014 / June
26th, 2014
Draft Laporan Komite Audit disetujui dan akan diserahkan kepada Dewan Komisaris.
Draft of Audit Committee Report is approved and will be submitted to Board of Commissioners.
1. Trend Non Performing Loan (NPL) yang meningkat pada Mei diindikasikan sebagai akibat dari
tertundanya pembayaran angsuran konsumen karena hari libur pada minggu keempat bulan Mei.
Perusahaan perlu menjaga agar NPL tidak melewati batas psikologis 1%.
Trend of the increasing Non-Performing Loan (NPL) in May is indicated as a result of the consumers delayed
installment payment due to the holiday in the fourth week of May. The company needs to maintain that NPL may
not overreach the psychological limit of 1%.
Discussion on the recapitulation of Companys Internal Audit result relating to Marketing and Collection division.
Discussion on the Plan of Good Corporate Governance for Financing Company, mainly in relation to the tasks and
authorities of Audit Committee and the Companys internal control.
1. Pembahasan Laporan Keuangan per September 2014
Discussion on Financial Statement as of September 2104
2. Non Performing Loan (NPL) per September 2014 terlihat membaik, ditengah kondisi perkekonomian
dengan suku bunga pinjaman yang cenderung naik.
TANGGAL / Date
27 Agustus 2014 /
August 27th, 2014
Yosa Prakarsa
Laporan Singkat Pelaksanaan Aktivitas Komite Audit
Non-Performing Loan (NPL) as of September 2014 is considered better in the midst of economic condition with
the loan rate tends to increase
3. Penelaahan Laporan Hasil Audit dari beberapa kantor cabang dan bagian Perusahaan. Berdasarkan
laporan tersebut menunjukkan temuan-temuan yang bersifat administratif dan prosedural yang perlu
mendapat perhatian dari manajemen
A review on the Report of Audit Result from several branch offices and Companys divisions. Based on such
report, it shows some administrative and procedural findings which require to get immediate attention from the
management
26 November
2014 / November
26th, 2014
1. Trend Non Performing Loan (NPL) per Oktober 2014 mengalami penurunan; memperlihatkan perbaikan
portfolio bermasalah.
Trend of Non-Performing Loan (NPL) as of October 2014 experienced a decline; showing the improvement of
problem portfolio
2. Sehubungan dengan pelaksanaan prinsip-prinsip tata kelola perusahaan yang baik, maka Perusahaan
mengajukan permohonan kepada PT Bank Central Asia, Tbk. (BCA) untuk melakukan audit Anak
Perusahaan dengan maksud untuk membantu Perusahaan sehingga memperoleh opini dan masukan
atas kecukupan dan efektivitas dari penerapan tata kelola perusahaan yang baik, managemen resiko
konsolidasi dan sistem pengendalian internal dalam rangka membangun BCA Finance sebagai institusi
keuangan yang sehat. Permohonan Perusahaan tersebut ditanggapi positif oleh BCA.
Relating to the implementation of good corporate governance principles, the Company proposes a request to
PT Bank Central Asia, Tbk. (BCA) to conduct an audit of Subsidiary with the intention to help the Company to get
many opinions and inputs on the adequacy and effectively in the implementation of good corporate governance,
consolidation risk management and internal control system in order to build BCA Finance as a healthy financial
institution. Such Companys Request is responded positively by BCA.
3. Rapat melakukan review atas persiapan pembuatan Laporan Tahunan Komite Audit. Laporan Hasil Audit
BCA terhadap BCA Finance.
The meeting is convened to conduct a review on the preparation of Annual Report made by Audit Committee. The
Report of BCAs Audit Result toward BCA Finance.
2. Telah dilakukan penelaahan atas Laporan Hasil Pemeriksaan Sementara Otoritas Jasa Keuangan (OJK)
terhadap BCA Finance. Prinsip kehati-hatian tetap perlu dijaga dan ditingkatkan, pelaksanaan Tata Kelola
Perusahaan yang Baik dan pengawasan dalam pelaksanaan Prinsip Mengenal Pengguna Jasa perlu
ditingkatkan.
A review has been done upon Temporary Inspection Result Report of Financial Services Authority (FSA) toward
BCA Finance. The principle of prudence must always be maintained and increased. Similarly, the implementation
of Good Corporate Governance and supervision within the implementation of Customer Due Diligence need to be
increased also.
24 Juli 2014 / July
24th, 2014
Pembahasan pelaksanaan prinsip-prinsip Tata Kelola Perusahaan yang Baik sehubungan dengan
kepegawaian untuk memastikan terlaksananya prinsip-prinsip tersebut dalam operasional Perusahaan.
Discussion on the implementation of Good Corporate Governance principles in relation to the personnel in order
to ensure the implementation of such principles in the Companys operational.
198
199
Komposisi Direksi
5. Each member of the Board of Directors has to pass the Fit and
specified period starting from the stated date of GMS that appointed
GMS, the member of the Board of Directors has not yet passed the
belum lulus Fit and Proper Test, maka masa jabatan anggota
Fit and Proper Test, then the term of office of that member will be
effective once he/she passes the Fit and Proper Test) until the closing
of the 3rd AGMS held after the first GMS that appointed the specified
bersangkutan:
because of:
Perusahaan;
diangkat kembali.
b. Meninggal dunia;
b. Die;
order;
e. No longer meets the requirements of the applicable regulations
yang berlaku.
pemberhentian,
Tata
cara
pengangkatan,
penggantian,
The Board of Directors Charter is specified in the Decree No. 050 / SK/
Surat Keputusan No. 050 / SK/ DIR/ 2012. Pedoman ini diterbitkan
DIR/ 2012. The guidelinehas been published since May 2012 and specifies
Rangkap Jabatan
Multiple Roles
hal-hal yang dilarang; etika kerja; waktu kerja; dan rapat Dewan
Direksi.
and institutions.
Dalam menjalankan tugasnya, Direksi dibantu oleh Komite-komite
Units, or other Work Units that perform the Internal Control and Risk
Manajemen Risiko.
Management functions.
200
201
regulations;
Direksi:
Board of Directors:
1. Direksi
bertanggung
jawab
penuh
atas
kepengurusan
bernilai kurang dari atau sama dengan 1/2 (satu per dua)
(one half) of the total net assets of the Company, as listed on the
strategis
terhadap
dapat
berdampak
signifikan
the Court on all matters and in every situation, to bind the Company
atau lebih dari 1 (satu) tindakan dan dari waktu ke waktu dapat
with other party or vice versa, and to execute every action, whether
several actions below that require written approval from the Board
of Commissioners:
the total net assets of the Company or the entire assets of the
year; or
b. providing collateral totaling more than 1/2 (half) of the total net
hutang;
The Board of Directors must obtain prior approval from the General
event the debtor does not fulfill its obligations to the Company,
as possible;
who represent at least 3/4 (three quarter) of the total shares of the
Company. The approval must be given with more than 3/4 (three
dengan tetap memperhatikan peraturan perundangBCA Finance 2014 - Always Deliver Better Version
bersangkutan.
5. a. Seorang anggota Direksi tidak berwenang mewakili
disetujui oleh lebih dari 3/4 (tiga per empat) bagian dari jumlah
seluruh suara yang dikeluarkan secara sah dalam rapat yang
202
203
interests.
Commissioners;
Perusahaan;
the need to explain to the other party), then one member of the
berdasarkan
Perusahaan.
peraturan
perundang-undangan
yang
any);
c. If for any reason the President Director and that one member
person or entity;
memperhatikan
point 1:
industry;
peraturan
perundang-
organisasi Perusahaan.
b. Menindaklanjuti temuan audit dan rekomendasi dari
Perusahaan,
ii. menyiapkan
rencana
pengembangan
Dewan Komisaris;
authorities.
otoritas lain.
c. Membentuk Divisi Audit Internal, Satuan Kerja Manajemen
suatu perusahaan;
company;
iv. menyusun
prinsip
sistem
akuntansi
berdasarkan
204
ketentuan
pertanggungjawaban
memperhatikan
peraturan
perundang-undangan
dan
segala
dan
e. Menyerahkan
Laporan
Keuangan
Perusahaan
205
Keputusan Direksi
The Board of Directors may make decisions that are in line withthe
yang berlaku.
j. Menyampaikan
pertanggungjawaban
atas
Directors.
pengurusan
Company after1 (one) year to the AGM not later than 6 (six)
ditutup.
k. Menyampaikan laporan dan keterbukaan informasi kepada
1. Memanfaatkan
Perusahaan
untuk
kepentingan
pribadi,
atau RUPS.
10. Apabila dipandang perlu, Direksi dapat membentuk Komite
11. Direksi wajib memiliki Pedoman dan Tata Tertib Kerja yang
bersifat mengikat bagi setiap anggota Direksi.
11. The Board of Directors shall have a Charter binding every member
of the Board of Directors.
determined by GMS.
Anggaran
sebagai berikut:
a. a special project;
Distribution of Duties
the Board of Directors and/or does not transfer the authority to the
kepada
interest.
In the event that one or more member(s) of the Board of Directors are
yang
the duties will be carried out by other members of the Board of Directors
kuasa
206
6. Memberikan
pihak
lain
207
Laporan tersebut ada yang bersifat rutin dan insidentil secara tepat
waktu.
Commissioners.
antara lain:
Commissioners include:
triwulanan.
b. Laporan tahunan dan pelaksanaan RKAT dilaporkan bersama-
the AGM.
merupakan
(Direksi
sebelum
dan
tersebut
Dewan
akan
Komisaris)
sehingga
the AGM.
Laporan Keuangan
Financial Statements
Companys Board of Directors for the year ended December 31st 2012,
publik terdaftar.
Jabatan / Position
2012
2013
2014
Rp25.893.571.428,-
Rp28.785.714.282,-
Rp37.006.465.834,-
pengawasan
Dewan
Komisaris
terhadap
pelaksanaan
kepatuhan Perusahaan.
Pelaporan Internal
Internal Reporting
Direksi.
BCA Finance 2014 - Always Deliver Better Version
kerja.
3. Laporan lainnya yang berkaitan dengan proses persetujuan
208
Board of Directors.
209
Direksi.
Rapat Dewan Komisaris dan Direksi
sama mewakili 1/10 (satu per sepuluh) atau lebih dari jumlah seluruh
Nama / Name
Roni Haslim
voting with approvals from more than (half) of the total members of
per dua) jumlah anggota Direksi hadir atau diwakili dalam rapat.
Apabila suara yang setuju dan tidak setuju berimbang, Ketua Rapat
Board of Directors.
rate. This high rate indicates the high level of commitment from all
carrying out their own work functions. The attendance list of the
Jabatan / Position
Presiden Direktur /
President Director
KEP-132/BL/2010
tentang
Penetapan
Hasil
Penilaian
Nama Kegiatan /
Name of Activities
Sebagai Peserta dalam International Seminar The Global & Asian
Economic Outlook 2015 yang diselenggarakan APPI pada tanggal 3
Oktober 2014
As a Participant in the International Seminar of The Global & Asian Economic
Outlook 2015 held by APPI on October 3rd, 2014
Sebagai Peserta International Seminar The Global & Asian Economic
Outlook 2015 yang diselenggarakan APPI pada tanggal 3 Oktober 2014
Petrus S. Karim
Direktur / Director
As a Participant in the International Seminar of The Global & Asian Economic
Outlook 2015 held by APPI on October 3rd, 2014
Sebagai Peserta dalam International Seminar The Global & Asian
Economic Outlook 2015 yang diselenggarakan APPI pada tanggal 3
Oktober 2014
As a Participant in The Global & Asian Economic Outlook 2015 held by APPI
on October 3rd, 2014.
Amirdin Halim
Direktur / Director
Commissioners.
David Pangestu
Direktur / Director
KEP-581/BL/2011
tentang
Penetapan
Hasil
Penilaian
2010.
210
211
dapat
membentuk
komite-komite
dengan
meeting on:
efektivitas
implementasi
kerangka
total
1. Mengkaji;
1. Assessing;
2. Providing proposals/recommendations; or
3. Memberikan persetujuan/keputusan.
3. Providing approval/decision.
sesuai bidangnya
4. Memantau dan mengevaluasi masalah sesuai bidangnya
risiko,
pengembangan
metoda
pengukuran
f. Usulan
expertise
testing scenarios.
manajemen risiko.
c. Perkembangan dan kecenderungan eksposur risiko
tersebut mengenai :
b. Penilaian
untuk:
risiko.
Jenis Komite yang telah terbentuk adalah :
berkepentingan
4. Memantau tindak lanjut hasil risalah
pasiva.
management.
the work unit. The work unit role in conducting the Companys risk
follows:
2. Pengendali
2. Controller
3. General Oversight
penggunaan dana
c. Laporan data penetapan harga yang merefleksikan harga atau
biaya dari suatu produk
usage of funds
c. Reports on data pricing which reflects the price or the cost of a
product
its duties
b. Supporting Risk Taking Unit
Operational units that support the duty of Core Risk Taking Unit
Committee are:
Risiko
212
213
Fungsi Pengendali
Controller
General Oversight
profile of BCA Finance and the results of risk assessment on new product
a. Making a review
3 (tiga) bulan
2. Rapat dilakukan apabila dihadiri minimal setengah dari jumlah
direksi
NAME
Ricki Immanuel
Sim Idrus
Adhi
Munandar
Gunawan
Roni Haslim
Budirahardjo
The Board of
Agenda Pembahasan/Agenda
Tanggal/Date
29 Januari 2014
January 29th, 2014
29 April 2014
April 29th, 2014
Majority
Shareholder
Amirdin
David
PT Bank
Santoso
Halim
Pangestu
Central Asia
Tbk
Karim
Commissioners
Sim Idrus
Tindaklanjut atas Laporan Hasil Audit untuk dimasukkan dalam laporan Risk Event Data Base (REDB)/
Follow-up upon the Report of Audit Result to be put in the report of Risk Event Data Base (REDB)
Pelaporan Transaksi Keuangan Mencurigakan/Reporting of Suspicious Financial Transaction
Penerapan model model risk based pricing/Implementation of model risk based pricing
Adhi Gunawan
Ricki Immanuel
Petrus
Munandar
Roni Haslim
Petrus Santoso
Amirdin Halim
David Pangestu
Budirahardjo*
The Board of
Directors
23 Juli 2014
July 23rd, 2014
28 Oktober 2014
October 28th, 2014
Pembahasan proses kredit, terutama menyangkut proses akuisisi dan pelaksanaan survei/Discussion
on the credit process, especially concerning the acquisition process and survey application
Kompetensi SDM dan potensi fraud/ Competency of Human Resources and potential of fraud
Karim
Pembahasan kasus pembayaran angsuran pelanggan via ATM/Discussion on the consumers installment
payment case via ATM
Majority/ /
PT Bank Central
Controlling
Asia Tbk
Shareholder
214
215
Guna
memastikan
independensi
Dewan
dalam
Komisaris
Nama / Name
Jabatan / Position
Ricki Immanuel
Presiden Komisaris /
President Commissioner
7 November 2014 /
November 7th, 2014
Adhi Gunawan
Budirahardjo
Komisaris Independen /
Independent Commissioner
7 November 2014 /
November 7th, 2014
Komisaris Independen /
Independent Commissioner
7 November 2014 /
November 7th, 2014
Statement have not and will not have family relationship until the
Statement have not and will not have family relationship until the
in the List of Bad Debt Credit and not included in the List of Not
Passing in banking sector.
Whereas, Parties who Make the Statement declare that until now,
Bahwa baik pada saat ini maupun di masa yang akan datang
Yang Membuat Pernyataan ini tidak dalam keadaan dan tidak
Whereas, Parties who Make the Statement declare that until now,
in the List of Bad Debt Credit and not included in the List of Not
Bahwa baik pada saat ini maupun di masa yang akan datang
jabatan
a. Sebagai anggota Dewan Komisaris pada lebih dari 3 (tiga)
Perusahaan Pembiayaan;
Financing Companies;
Pembiayaan.
Company.
216
Nama / Name
Jabatan / Position
Roni Haslim
7 November 2014 /
November 7th, 2014
Direktur / Director
7 November 2014 /
November 7th, 2014
Amirdin Halim
Direktur / Director
7 November 2014 /
November 7th, 2014
David Pangestu
Direktur / Director
7 November 2014 /
November 7th, 2014
217
Kepatuhan.
Tanggung Jawab Direksi terkait Kepatuhan
the Company also assures that it complies with the regulations, laws,
report.
laporan kepatuhan.
Pengawasan Dewan Komisaris terhadap Fungsi Kepatuhan
compliance by:
1. Evaluating the Companys compliance performance for at least
once a year.
2. Providing advice to improve quality of the Companys compliance
performance.
According to the Compliance evaluation results, the Board of
business activity.
2. The Board of Directors must ensure a well implementation of the
Companys Compliance.
Komisaris.
Commissioners.
Anggaran Dasar
Articles of Association
In 2013 the Company did not make any amendments on the Companys
24th, 2010.
ketentuan.
prevailing regulations.
explains that the ratio of liabilities to the equity (net worth) and
from year to year led to a position of the Companys DER (Debt to Equity
kali. Posisi DER (Debt to Equity Ratio) Perusahaan pada akhir tahun
Ratio) at the end of the year 2014 to be 3 (three) times. This situation
support the Company in increasing its new financing and market share.
This factor can support the Companys growth and development in the
future.
baru maupun pangsa pasar. Hal ini menjadi salah satu faktor yang
dapat mendukung pertumbuhan dan perkembangan Perusahaan
di masa yang akan datang.
Benturan Kepentingan
Conflicts of Interest
219
always abide and obey to the Act of the Republic of Indonesia No. 40 of
On March 23rd, 2010 The company issued BCA Finance Bond 3rd year 2010
BCA Finance III tahun 2010 (Obligasi BCA Finance III) dan Obligasi
with fixed rate (BCA Finance 3rd Bond) and BCA Finance 1st Subordinated
After deducting the cost of issuance, the funds were used for the
Perusahaan.
dengan Perusahaan.
Company.
the Company.
Transaksi Material
Material Transaction
Perusahaan melakukan
Juni 2014.
2. Perusahaan melalukan penambahan nilai penyertaan pada
220
Obligasi / Bond
Seri A / Tranche A
211.500.000.000
8,65%
Seri B / Tranche B
88.500.000.000
9,05%
Seri C / Tranche C
100.000.000.000
10,45%
Seri D / Tranche D
100.000.000.000
10,95%
Obligasi Subordinasi
Subordinated Bond
100.000.000.000
11,20%
The Company made payment of all principals and interests of the BCA
Finance 3rd Bond Tranche A, B, C and D which were due on June 23rd, 2011,
bunga Obligasi BCA Finance III Seri A, Seri B, Seri C dan Seri D yang
March 23rd, 2012, March 23rd, 2013 and March 23rd, 2014. BCA Finance 3rd
Bond and BCA Finance 1st Subordinate Bond has outstanding amount
2013 dan 23 Maret 2014. Nilai Obligasi BCA Finance III dan Obligasi
31st, 2014.
On June 22nd, 2011 The company issued BCA Finance 4th Bond year 2011
with fixed rate (BCA Finance 3rd Bond) amounting IDR 1,1 Trillion with
berikut :
Obligasi / Bond
Seri A / Tranche A
392.00.000.000
7,9%
Seri B / Tranche B
178.000.000.000
8,1%
22 September 2012 /
September 22nd, 2012
Seri C / Tranche C
230.000.000.000
8,7%
Seri D / Tranche D
200.000.000.000
8,9%
Obligasi Subordinasi
Subordinated Bond
100.000.000.000
9,0%
221
After deducting the cost of issuance, the funds were used for the
On June 14th, 2013 The company issued BCA Finance 1st Continuous
Bond 2nd Phase Year 2012 with Fixed Rate (BCA Finance 1st Continuous
Bond 2nd Phase) amounting IDR 1,3 Trillion with the following details :
and D which were due on June 26th, 2012, September 22nd, 2013, June
Seri C dan Seri D yang jatuh tempo pada tanggal 26 Juni 2012, 22
22nd, 2013 and June 22nd, 2014. BCA Finance 4th Bond has outstanding
September 2012, 22 Juni 2013 dan 22 Juni 2014. Nilai Obligasi BCA
Obligasi / Bond
Seri A / Tranche A
750.000.000.000
6,50%
Seri B / Tranche B
350.000.000.000
7,50%
Seri C / Tranche C
200.000.000.000
7,60%
On May 9th, 2012 The company issued BCA Finance 1st Continuous Bond
1st Phase Year 2012 with Fixed Rate (BCA Finance 1st Continuous Bond 1st
Obligasi / Bond
Seri A / Tranche A
650.000.000.000
6,35%
Seri B / Tranche B
200.000.000.000
7,35%
Seri C / Tranche C
250.000.000.000
7,60%
Seri D / Tranche D
600.000.000.000
7,70%
th
th
After deducting the cost of issuance, the funds were used for the
all principals and interests of the BCA Finance 1st Continuous Bond 1st
Phase Year 2012 Tranche A and Trance B which were due on May 14th,
2013 and May 9th, 2014. BCA Finance 1st Continuous Bond 1st Phase has
tempo pada tanggal 14 Mei 2013 dan 9 Mei 2014. Nilai Obligasi
After deducting the cost of issuance, the funds were used for the
the use of funds letter No. 644/BCAF/ CP/VII/2013 which was presented
1st Continuous Bond 2nd Phase Year 2013 Tranche A which were due
on June 24th, 2014. BCA Finance 1st Continuous Bond 2nd Phase has
On March 27th, 2014 The company issued BCA Finance 1st Continuous
Bond 3rd Phase Year 2014 with Fixed Rate (BCA Finance 1st Continuous
Bond 3rd Phase) amounting IDR 500 Billion with the following details :
Obligasi / Bond
Seri A / Tranche A
225.000.000.000
9,0%
Seri B / Tranche B
275.000.000.000
10,0%
222
223
After deducting the cost of issuance, the funds were used for the
Finance 1st Continuous Bond 3rd Phase has outstanding amount of IDR
BCA Finance Tahap III yang masih terhutang per 31 Desember 2014
adalah sebesar Rp.500.000.000.000,- (lima ratus miliar rupiah).
Kepatuhan Perusahaan terhadap seluruh persyaratan Obligasi dan
tepat waktu;
Ensure that the financial ratios has met the specified requirements;
Ensure that the Company follows all restrictions with respect to the
Bonds;
During 2014 the Company did not buy back its bond.
kembali obligasi.
224
225
peraturan.
5. Pengamanan harta kekayaan perusahaan.
Dalam
the Companys goal and target. The function of audit is part of the
Internal control system of the Company adopts and adjusts with such
melakukan :
Risk Assessment
Determining a procedure for minimalizing the fraud;
Making an effective communication and information process; and
Assessing the internal control quality and taking any improvement
actions if needed.
internal
rangka
memastikan
sistem
pengendalian
inspection of all Work Units at the Head Office or Branch Offices; audit
oleh seluruh Unit Kerja baik di Kantor Pusat maupun Kantor Cabang;
it reflects that the Companys internal control system has been well
future.
Jawab
Dewan
Komisaris
dan
Direksi
Dalam
Pengendalian Internal
can fully eliminate all possible existing business risks; however, the
risks. During year 2014, the Company considered that the internal
sebagai berikut:
1. Pencapaian tujuan dan sasaran kegiatan operasional yang telah
ditetapkan.
2. Pemanfaatan sumber daya secara ekonomis, efektif dan efisien.
226
227
Divisi Audit Internal dan adanya tindak lanjut dari hasil rekomendasi
yang independen.
continuous improvements.
Dalam
mempertimbangkan
mengatur
penugasan,
DAI
AUDIT INTERNAL
INTERNAL AUDIT
tugasnya.
9. Auditor tidak memanfaatkan informasi yang diperolehnya
9. Auditor will not utilize the information that he/she receives for
personal gains or anything that are against the law or damage the
Audit Charter. The guidance issued since year 2012, and been adjusted
10. Auditor will perform internal audit duties if he/she has adequate
knowledge, expertise and experience.
memadai.
Kode Etik
Code of Conducts
The auditors code of ethic will refer to the Code of Conduct established
11. Auditor will perform internal audit duties according to the internal
audit standards.
Scope of Work
If there are any practices not being covered in the written Code of
assessment of:
dapat
memahami
peraturan
dan
tuntutan profesi.
requirements.
expected.
diharapkan.
organisasinya.
targets.
Finance.
Finance.
5. Auditor hendaknya tidak menerima segala sesuatu yang dapat
judgment professionally.
auditor can cooperate with the auditee while performing his/her duties
smoothly.
pendapat profesionalnya.
opinions.
illustrated below:
229
Michael Dapto
Dewan Komisaris
Komite Audit
Presiden Direktur
Head and in 2009 became the Internal Audit Department Head. Later
Direktur
Direktur
Unit Head dan Supervisor, Senior Staff dan Junior Staff diangkat
Work experience :
1994 1996
1994 - 1996
Unit Head and Supervisor, Senior Staff and Junior Staff are
organizational structure:
1996 1997
1996 - 1997
1997 - 2008
1997 - 2008
2008 2009
2008 - 2009
2009 2012
2009 - 2012
2012 sekarang
2012 - Present
sebagai berikut :
1. Memiliki integritas dan perilaku yang profesional, independen,
jujur, dan obyektif dalam melaksanakan tugasnya.
Auditor.
team.
Presiden Direktur
6. Memiliki
pengetahuan
tentang
peraturan
perundang-
meningkatkan
pengetahuan,
keahlian,
dan
230
231
audit ke Direksi.
Board of Directors.
If follow-ups are not done by the auditee, the Internal Audit Division
Komite Audit.
6. Mengevaluasi pelaksanaan pengendalian interen dan sistem
after the Audit Findings Report is done and until all findings are
resolved.
auditor.
Hasil Kegiatan Divisi Audit Internal
Independensi
Independence
pemeriksaan yang relatif efisien dan efektif, yaitu Risk Matrix. Risk
based on the risk level from each business transaction conducted. With
President Director.
Perusahaan.
Pelaporan
Reporting
case where there are no audit findings that requires the support from
actions that have been done and need to be taken in order to achieve
232
233
Kasus Fraud
Fraud Cases
business and operations that results in a loss or risk of loss for the other
atau risiko kerugian bagi pihak lain baik langsung maupun tidak
Jenis Fraud
28
Status
Telah
diselesaikan
Completed
In order to perform internal control and reduce the risk of loss resulting
from any fraud, the Company has taken various preventive measures,
berlaku.
must receive prior approval from GMS and must be from the
not provide other services to the Company during that year to avoid
fiscal years. In addition, the appointed KAP also has to fulfill the
According to the decision of 2014 Annual GMS dated March 20th, 2014,
the Annual GMS transfers full power and authority to the Companys
234
235
December 31st, 2014. Below are the list of External Audits appointed by
PT BCA Finance:
2014. Berikut Audit Eksternal yang telah ditunjuk oleh BCA Finance:
TAHUN/ YEAR
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
Sidharta & Widjaja (KPMG) yang sekarang bernama KPMG Siddharta Widjaja
& Rekan Sidharta & Widjaja (KPMG) which currently named as KPMG Siddharta
Widjaja & Rekan
Akuntan Publik
Services
Besarnya fee dari jasa yang diberikan oleh Kantor Akuntan Publik
The amount of fee for the service provided by the Public Accounting
Firm Sidharta & Widjaja in the form of audit of the Companys Financial
Statements for the year ended December 31st, 2014 amounted to USD
ensuring that the Company complies with the applicable rules and
CORPORATE SECRETARY
237
1. Mengikuti
perkembangan
pembiayaan
pembiayaan
dan
tentang
memberi
industri
masukan
kepada
Direksi
Sekretaris Perusahaan/
Corporate Secretary
implementations.
pelaksanaannya.
2. Memberikan pelayanan kepada masyarakat atas setiap
informasi yang dibutuhkan pemodal yang berkaitan dengan
kondisi Perusahaan.
3. Sebagai penghubung atau contact person antara Perusahaan
dengan Otoritas Jasa Keuangan dan masyarakat.
5. Mendukung
Direksi
penyelenggaraan
Perusahaan
oleh
terkait lainnya.
eksternal lainnya.
9. Memberikan saran-saran kepada Dewan Komisaris dan Direksi
Since February 2nd, 2004, the Company appointed a new member of the
beginning of 2015, at January 8th, 2015, the Company has appointed Mr.
Department
Corporate
Finance, Planning
& Investor
Relation /
Corporate Finance,
Planning &
Investor Relation
Department
Department
Risk
Management/
Risk
Management
Department
Department
Financial
Analysis and
Planning/
Financial
Analysis and
Planning
Department
Department
Corporate Legal
/ Corporate Legal
Department
Department
Business
Development
and Assurance/
Business
Development
and Assurance
Department
INVESTOR RELATION
INVESTOR RELATION
238
239
dalam
merupakan
keterbukaan
c. Customer Relationship
c. Customer Relationship
guideline or liability attached to the Company and other parties that are
menyeluruh.
regulations.
d. Teknologi
e. Image
Upaya untuk meningkatkan citra Perusahaan melalui kegiatan
3. Informasi Kepegawaian
berlaku.
d. Technology
e. Image
Improving the Companys image through various activities to
establish impactful communication aspects.
3. Information on Employment
manners.
Stakeholder.
(stakeholder).
1. Corporate Information
performance.
a. Companys Performance
penyampaian/pelaporan
perihal
kinerja
keuangan Perusahaan.
b. Tindak Korporasi (Corporate Action)
b. Corporate Actions
1. Surat
1. Letter
2. Telepon
2. Telephone
3. E-Mail
3. E-mail
4. Homepage / Website
4. Homepage/Website
5. Press Release
5. Press Release
6. Public Expose
6. Public Expose
c. Corporate Governance
7. Wawancara langsung
7. Direct interview
terhadap
yang
Stakeholders.
Penyerahan Laporan
Report Submission
peraturan
dan
perundang-undangan
2. Informasi Bisnis
2. Business Information
lain-lain.
b. Distribusi
Informasi
240
b. Distribution
cabang
yang
berkaitan
dengan
jaringan
cabang.
offices.
241
Kepada / To
All reports have been submitted before the deadline set by the Financial
yang ditetapkan oleh Otoritas Jasa Keuangan (OJK) dan Bursa Efek
Indonesia (BEI).
BCA Finance sebagai Perusahaan Pembiayaan juga senantiasa
The Company also submits other reports related to bond issuance and
parties, whether or not conducted with the same terms and conditions
and overdraft. By the end of 2014, the Company did not record any
242
Companies.
Perusahaan Pembiayaan.
Strategi Manajemen Risiko
1. Strategy
2. Struktur Organisasi
2. Organizational Structure
4. Infrastruktur
4. Infrastructure
243
occur is obtained from the difference between the losses during the
that will occur. The amount of expected loss is obtained based on the
establishment
PEDOMAN MANAJEMEN
RISIKO /
RISK MANAGEMENT
GUIDELINES
Manajemen Risiko
new policies.
3. Process of Risks identification, measurement, monitoring, and
penilaian
unit that is independent from risk taking unit. Results of the audit
atas tindaklanjutnya.
Proses identifikasi, pengukuran, pemantauan, dan pengendalian Risiko,
serta sistem informasi Manajemen Risiko / The process of Risks identification, measurement, monitoring, and control, as well as Risk Management
information system
The company must implement effective risk management, both for the
KDP
KMR
Operasional
KMR
Pasar
KMR
Hukum
KMR
Kepatuhan
KMR
Likuiditas
KMR
Nilai Tukar
KMR
Reputasi
KMR
Strategik
Directors
244
transaksi,
risiko,
pengendalian
Direksi
mengembangkan
internal
dan
budaya
manajemen
manajemen
risiko,
Catatan / Note:
KDP : Kebijakan Dasar Perkreditan / Basic Credit Policy
KMR : Komite Manajemen Risiko / Risk Management Committee
245
a year. The meeting does not only discuss the reporting and monitoring
piutang ini telah melampaui masa tunggak lebih dari 150 hari,
than 150 days, the Company uses the policy and procedure in
Risiko Kredit
Credit Risk
Risiko Pasar
Market Risk
Risiko Likuiditas
Liquidity Risk
Risiko Operasional
Operational Risk
Risiko Hukum
Legal Risk
Risiko Reputasi
Reputation Risk
Risiko Strategik
Strategic Risk
Risiko Kepatuhan
Compliance Risk
Risiko Kredit
Credit Risk
Credit risk is the risk arising from the failure of the counterparty in
meeting its liabilities. In such case, credit risk has the largest portion
compared to other types of risks, considering that more than 90% of BCA
1. Good acquisition
splits and chooses segments with relatively low risks, for instance
with higher DP portion and good car resale value. The acquisition
tinggi dan nilai jual kembali mobil yang baik. Proses akuisisi pun
any existing risk. To date, the Company has more than eight policies
the number of non-performing loans (NPL) in 2013 that was kept below
1% or only 0.68%.
Market Risk
derivatif dari kedua jenis risiko pasar tersebut) dari portofolio yang
bunga ini.
b. Risiko nilai tukar adalah risiko kerugian akibat pergerakan yang
b. Exchange rate risk is the risk of loss due to movements against the
Account monitoring
2. Account monitoring
3. Strong Collection
3. Strong Collection
no-performing loan. The process starts from early stage, with the
following phases:
are fixed and the majority of fundings received are also with fixed
rate, which are from bonds and equity. The numbers of bank credit
facilities with floating interest rate following the market rates are
and liabilities.
Liquidity Risk
Liquidity risk is the risk caused by the Company not being able to meet
247
BCA memiliki reputasi yang sangat baik sebagai bank yang memiliki
likuiditas yang baik dan sumber dana yang murah. Selain itu,
are also done through the implementation of Risk and Control Self
Assessment at the level of the work unit with targets that each work unit
will be able to identify: the inherent operational risks that arise in the
work unit, understand the causes of such risks, execute and assess control
dengan berbagai bank baik dalam maupun luar negeri serta pelaku
applied to these risks, and establish an action plan that is still needed to
PT BCA Finance. A low and maintained credit risk level, along with a
superior bond rating (Pefindo gave id AAA a rating; Fitch gave AAA(idn)
PT BCA Finance. Tingkat risiko kredit yang rendah dan terjaga, serta
that started in 2012 to replace Risk Event Data Base program so that
investor.
RISIKO OPERASIONAL /
OPERATIONAL RISK
Internal Fraud
External Fraud
Clients, products
& business pratices
Execution delivery
& process
management
Business
practices &
workplace safety
Business
disruption &
system failure
Damage to
physical assets
Risiko Hukum
Legal Risk
Legal risk is the risk caused by the juridical disadvantages, for example
ones that are caused by a lawsuit, the absence of supporting laws and
and resolves any legal issues that may arise. Cooperation with partner
lawyers and good coordination with law enforcement officers are also
conducted in resolving legal cases that occur. The role of the parent
dan Kepatuhan.
Risiko Reputasi
Risiko Reputasi adalah risiko yang antara lain disebabkan oleh adanya
the frontline, this risk is also managed exclusively by the Customer Care
that may arise. For operational risks that are difficult to manage,
work unit to handle complaints and problems that are not handled by
248
Reputation Risk
249
Care Unit also closely monitors and resolves complaints through the
khusus lebih lanjut. Unit Customer Care juga memantau ketat dan
company, BCA, through the call center service (Hallo BCA), which also
from BCA Finance and external audit from the parent company, as
BCA melalui layanan call center Hallo BCA yang juga menangani
risiko ini juga dikelola secara khusus oleh unit kerja Customer Care
Risiko Strategik
Strategic Risk
strategy. The annual work budget and plan of the Company is made
It is expected that these efforts will reduce the intensity and minimize
department, and work unit into strategic objectives, work plans and
The fundamental change in the way of handling the occurring fraud can
strategic objectives with each activity at the work unit level, even at
are integrated to the system so that the system can automatically send
further losses.
Compliance Risk
Compliance risk is the risk when the Company does not comply with
all applicable laws has become the target set by the Company without
250
251
No Keterangan
1
Angkatan / Class 2011 : Rp.210.000.000,Angkatan / Class 2012 : Rp.195.000.000,Angkatan / Class 2013 : Rp.321.000.000,Angkatan / Class 2014 : Rp.210.000.000,-
Rp.2.000.000,-
Rp.3.035.000,-
In line with the Companys mission in providing the best value to the
the local environment, norms, and culture. The CSR initiatives are the
Rp.250.000.000,-
Rp.125.000.000,-
Rp.50.000.000,-
Rp.5.000.000,-
Rp.50.000.000,-
Rp.50.000.000,-
activities, as follows:
BCA Finance Scholarship has started since 2009. This program is a form
Bentuk dari program ini adalah pemberian biaya kuliah dan uang
financial limitations. The criteria set for the BCA Finance Scholarship
sebagai berikut :
252
253
Point Average (GPA)>3 and with financial limitations. Within six years
Indonesia.
Legal Cases
Until the end of 2014, the Company was confronted with 13 (thirteen)
members of the Board of Directors do not have any lawsuits from third
parties or are not involved in legal cases. Following are civil cases which
sebagai pihak dalam kasus hukum. Kasus hukum baik perdata yang
Donor Darah
Blood Donors
the Company organized a Blood Donor 3 (three) months each year. This
No.
NOMOR PERKARA
& Tanggal
Pendaftaran /
Case Number &
Registration Date
Posisi /
Position
Pokok Perkara
/ Case
Status Perkara /
Status
Tuntutan / Charge
Pengaruh Terhadap
Kondisi Keuangan /
Impact to Financial
Condition
Sanksi Administrasi
dari Lembaga
Pasar Modal /
Administrative
Sanction from
Capital Market
Institution
260/Pdt.G/2012/
PN.Jkt Sel tanggal
27 April 2012.
260/Pdt.G/2012/
PN.Jkt Sel dated
April 27th, 2012
Tergugat
III / Third
Respondent
Gugatan
Perbuatan
Melawan
Hukum/ Lawsuit
of Act Against
Law
BandingPengadilan
Tinggi
/ Appeal - The
High Court
Materiil / Material in
Rp.381.000.000, Immateril / Immaterial
in Rp.754.000.000
Tidak ada
pengaruh
signifikan
No significant effect
89/Pdt.G/2011/
PN.Mdn Tanggal
28 Maret 2011
89/Pdt.G/2011/
PN.Jkt Sel Dated
March 28th, 2011
Tergugat /
Respondent
Gugatan
Wanprestasi /
Default Lawsuit
Peninjauan
Kembali-
Mahkamah
Agung / Review-The Supreme
Court
1. Pengembalian
Kendaraan / Vehicle
Return
2. Membayar kerugian
setiap bulannya dari
September 2010 @
Rp.6.000.000,-
Pay loss each month
from September 2010
@ IDR 6.000.000
Tidak ada
pengaruh
signifikan / No
significant impact
159/
Tergugat
PDT.G/2012/2012/
I / first
PN.PDG Tanggal 11 respondent
Desember 2012
159/Pdt.G/2012/
PN.Jkt Sel Dated
December 11th, 2012
Gugatan
Wanprestasi /
Default Lawsuit
Kasasi
-Mahkamah
Agung
Cassation - The
Supreme Court
Tidak ada
pengaruh
signifikan / No
significant impact
b. Political Activity
Company did not engage in any political activity and also did not
254
255
No.
NOMOR PERKARA
& Tanggal
Pendaftaran /
Case Number &
Registration Date
Posisi /
Position
Pokok Perkara
/ Case
Status Perkara /
Status
Tuntutan / Charge
Pengaruh Terhadap
Kondisi Keuangan /
Impact to Financial
Condition
Sanksi Administrasi
dari Lembaga
Pasar Modal /
Administrative
Sanction from
Capital Market
Institution
227/Pdt.G/2012/
PN.MLG.
Tanggal: 20
Desember 2012
227/Pdt.G/2012/
PN.MLG.
Date: December
20th, 2012
Tergugat /
Respondent
Gugatan
Perbuatan
Melawan Hukum
/ Lawsuit of Act
Against Law
Kasasi
-Mahkamah
Agung Cassation
- The Supreme
Court
Materiil / Material
1. Rp.47.450.000,00,2. Pengembalian
kendaraan.
Vehicle return
Immateril / Immaterial
Rp.500.000.000,-
Tidak ada
pengaruh
signifikan / No
significant impact
129/PDT/G/2013/
PN.BDG
Tanggal 21
Maret 2013 129/
PDT/G/2013/
PN.BDG
Dated March 21st,
Tergugat
1 / First
responden
Gugatan
Perbuatan
Melawan Hukum
/ Lawsuit of Act
Against Law
Kasasi
-Mahkamah
Agung Cassation
- The Supreme
Court
Materiil / Material
Pengembalian
Kendaraan &
Pengembalian uang
sebesar / Vehicle
Return & money at
Rp.124.119.000,Immateril /Immaterial
Rp.274.119.000,-
2013
206/Pdt.G/2013/
Tergugat
PN. JKT. Sel
1 / First
Tanggal 2 April
responden
2013
206/Pdt.G/2013/PN.
JKT. Sel
Dated April 2nd, 2013
Gugatan
Perbuatan
Melawan Hukum
/ Lawsuit of Act
Against Law
Banding
-Pengadilan
Tinggi
Appeal - The
High Court
Materiil / Material
Pengembalian
Kendaraan
Vehicle Return;
Rp.100.000.000,Immaterii / Immaterial
Rp.1.000.000.000,-
Tidak ada
pengaruh
signifikan / No
significant impact
160/Pdt.G/2013PN.
Ska
18 Juni 2013
160/Pdt.G/2013PN.
Ska
June 18th, 2013
Tergugat /
responden
Gugatan
Perbuatan
Melawan Hukum
/ Lawsuit of Act
Against Law
Kasasi
-Mahkamah
Agung Cassation
- The Supreme
Court
Materiil / Material
Rp.35.000.000.000,Immateril / Immaterial
Rp.35.000.000.000,-
Tidak ada
pengaruh
signifikan / No
significant impact
131/Pdt.G/2013/
PN.MLG
Tanggal 25 Juni
2013
131/Pdt.G/2013/
PN.MLG
Dated June 25th,
2013
Tergugat /
Respondent
Gugatan
Perbuatan
Melawan Hukum
/ Unlawful Act
Lawsuit
Gugatan-
Pengadilan
Negeri Lawsuit The District Court
Materiil / Material
Rp.151.000.000,Immateriil / Immaterial
Rp.1.000.000.000,-
Tidak ada
pengaruh
signifikan / No
significant impact
315/Pdt.G/2014/
Tergugat /
PN.BDG Tanggal
Respondent
25 Juni 2014
315/Pdt.G/2014/
PN.BDG Dated June
25th, 2014
Gugatan
Pembatalan
Perjanjian /
Agreement
Cancellation
Lawsuit
Gugatan-
Pengadilan
Negeri Lawsuit The District Court
Materiil / Material
Rp.180.817.350,-
Tidak ada
pengaruh
signifikan / / No
significant impact
256
No.
NOMOR PERKARA
& Tanggal
Pendaftaran /
Case Number &
Registration Date
Posisi /
Position
Pokok Perkara
/ Case
Status Perkara /
Status
Tuntutan / Charge
Pengaruh Terhadap
Kondisi Keuangan /
Impact to Financial
Condition
Sanksi Administrasi
dari Lembaga
Pasar Modal /
Administrative
Sanction from
Capital Market
Institution
10
07/PDT/G/2014/
PN.BDG Tanggal
8 Januari 2014
07/PDT/G/2014/
PN.BDG Dated
January 8th, 2014
Tergugat /
Respondent
Gugatan
Perbuatan
Melawan
Hukum /
Unlawful Act
Lawsuit
BandingPengadilan
Tinggi
Appeal - The
High Court
Materiil / Material
Penyerahan BPKB
Kendaraan /
Delivery of Vehicle
BPKB (Vehicle
Owner Certificate)
Rp.100.000.000,-
Tidak ada
pengaruh
signifikan / No
significant impact
11
210/Pdt.G/2014/
PN.JKT.Sel
Tanggal 10 April
2014
210/Pdt.G/2014/
PN.Jkt Sel Dated
April 10th, 2014
Penggugat /
Plaintiff
Gugatan-
Gugatan
Pengadilan
Wanprestasi /
Default Lawsuit Negeri /
Lawsuit - The
District Court
Materiil / Material
Rp.50.000.000,-
Tidak ada
pengaruh
signifikan / No
significant impact
12
165/Pdt.G/2014/
PN.MLG tanggal
25 Juli 2014
165/Pdt.G/2014/
PN.Jkt Sel Dated
July 25th, 2014
Tergugat I
First
Respondent
Gugatan
Perbuatan
Melawan
Hukum /
Unlawful Act
Lawsuit
Gugatan-
Pengadilan
Negeri /
Lawsuit - The
District Court
Materiil / Material
Penyerahan BPKB
Kendaraan Delivery of
Vehicle BPKB (Vehicle
Owner Certificate)
Rp.25.000.000,Immateril /
Immaterial
Rp.2.000.000.000,-
Tidak ada
pengaruh
signifikan / No
significant impact
13
01/Pdt.G/
BPSK/2014/
PN.JKT.UTR
Tanggal 19
November 2014
01/Pdt.G/
BPSK/2014/
PN.JKT.UTR Dated
November 19th,
2014
Pemohon/
Penggugat
Petitioner/
Plaintiff
Permohonan
Pembatalan
Putusan BPSK /
Application for
Cancellation of
BPSK Decision
PermohonanPengadilan
Negeri /
Lawsuit - The
District Court
Pembatalan Putusan
BPSKNo. 20 Tahun
2014 Tanggal 29
Oktober 2014
Cancellation of BPSK
Decision No. 20/
Pdt.G/2014/PN.Jkt Sel
Dated October 29th,
2014
Tidak ada
pengaruh
signifikan / No
significant impact
257
09
perusahaan:
1. Perusahaan akan senantiasa meninjau dan mengembangkan
baik,
2. Perusahaan lebih informatif, tidak hanya menyangkut
sendiri.
industry.
3. Sistem
258
pengendalian
internal
dan
juga
level Perusahaan.
TESTIMONI
TESTIMONIAL
TESTIMONI /
Testimonial
(Pengusaha, Tangerang)
Kerja sama antara Ford Motor Indonesia dengan BCA Finance telah terjalin sejak April
Sebagai salah satu kosumen BCA Finance, saya cukup puas dengan pelayanannya yang
2013. Melalui kerja sama tersebut BCA Finance telah turut meningkatkan purchase
cepat, praktis dan tentu bunga bersaing. Saya telah dua kali menggunakan produk
BCA Finance karena kemudahan pembayaran melalui ATM dan bunga ringan yang
pembiayaan lainnya berupa pelayanan responsif, service level terjaga dan keunggulan
produk yang ditawar menjadikan hubungan kerja sama ini mampu memberikan
kontribusi positif yang bersifat incremental (tambahan). Selain itu, BCA Finance sebagai
bagian dari Grup BCA memiliki jaringan dan organisasi yang besar dan solit. Semoga
kerja sama ini terus memberikan kontribusi positif bagi kedua belah pihak, terutama
dalam pengembangan produk yang ditujukan untuk memanjakan pelanggan BCA
(Businessman, Tangerang)
As one of BCA Finance customers, I am quite satisfied with its fast, practical services, as
well as its competitive interest, of course. I have used BCA Finance product twice, since I
get an easy access for payment via ATM and low interest as the advantage in BCA Finance
compared with other finance companies. Hopefully, in the future, BCA Finance may
improve its services to be better, by shortening time for loan approval and giving satisfying
insurance.
260
261
TESTIMONI /
Testimonial
BCA Finance, sebagai salah satu perusahaan pembiayaan dengan brand image yang
sangat kuat, profesional dan berkomitmen baik pada konsumen maupun stakeholder.
Officer selalu standby pada saat kami membutuhkan bantuan, terutama saat terdapat
Satu tahun sudah kami telah bekerja sama dengan BCA Finance. Selama hubungan
konsumen yang meminta simulasi kredit. Kecepatan dan responsif tersebut membuat
kerja sama tersebut, BCA Finance sangat kooperatif dan memahami peranannya dalam
kami sangat senang bekerja sama dengan BCA Finance dan berharap bisa meningkatkan
setiap hubungan kerja sama. Kami berharap semoga BCA Finance dapat berkembang
and commit to customer and stakeholder. About one year we have cooperated with BCA
these nine years. We are satisfied with all services provided by BCA Finance, either in the field
Finance. During that, BCA Finance gives very cooperative response and understands its role
or in the office while managing documents for our vehicles. Whenever we need help, the
in each project. We hope BCA Finance can growth become a bigger company to give service
Credit Marketing Officer is always ready for us, especially when our customer asks for credit
to the society.
simulation. Such fast and responsive help makes us greatly pleasant to cooperate with BCA
Finance and we hope that we can improve the quality of this good relationship. In the future,
hopefully, BCA Finance can maintain a good relationship with partner showroom, as well
as improving services.
262
263
10
LAPORAN KEUANGAN
FINANCIAL STATEMENT
PT BCA FINANCE
PT BCA FINANCE
LAPORAN KEUANGAN
TAHUN BERAKHIR
FINANCIAL STATEMENTS
YEARS ENDED
31 DECEMBER 2014 AND 2013
HAL/
ISI
PAGE
CONTENTS
2-3
TAHUN BERAKHIR
31 DESEMBER 2014 DAN 2013 ---------------------
YEARS ENDED
6
YEARS ENDED
TAHUN BERAKHIR
8
YEARS ENDED
TAHUN BERAKHIR
31 DESEMBER 2014 DAN 2013 ---------------------
YEARS ENDED
------------------------- 31 DECEMBER 2014 AND 2013
TAHUN BERAKHIR
31 DESEMBER 2014 DAN 2013 ---------------------
9 - 86
PT BCA FINANCE
LAPORAN POSISI KEUANGAN
31 DESEMBER 2014 DAN 2013
(Dalam jutaan Rupiah, kecuali dinyatakan khusus)
Catatan/
Notes
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
31 Desember/December
2014
2013
Catatan/
Notes
ASET
31 Desember/December
2014
2013
ASSETS
LIABILITAS DAN EKUITAS
3a,3b
3a,3b,3s,
6,27
2.592)
1.885)
192)
209)
66)
2)
5.065.804)
28.110)
167.171)
3a,3c,3s,
8,27
3a,3e,9
13.111)
3a,3s,27
Cash in banks
Related party Third parties -
3a,3c,3d,
3j,3s,7,
27
5.570)
182.600)
462.589)
189.894)
56.776)
34.987)
39.358)
28.354)
Prepaid expenses
20.002)
-)
3a
2.525)
3f
3i,10
108.814)
29.501)
3g,11,27
145.639)
66.019)
3h,15
16.441)
20.482)
6.128.419)
5.798.034)
TOTAL ASSETS
JUMLAH ASET
LIABILITAS
LIABILITIES
3a,3s,12,
27
258.487)
1.035.896)
198.255)
500.348)
3a,3l
74.019)
95.442)
Accrued expenses
Utang pajak
3h,15
53.277)
48.369)
Taxes payable
274.456)
369.887)
245.572)
470.309)
Other payables
Related parties Third parties -
517)
1.670)
16.963)
12.610)
2.842.428)
Utang lain-lain
- Pihak berelasi
- Pihak ketiga
3a,3s,16,
27
3l,28
3a,3k,13
3a,14
2.095.458)
413.442)
4.592.402)
JUMLAH LIABILITAS
4.708.422)
EKUITAS
Modal saham - nilai nominal Rp 10.000
(dalam Rupiah penuh) per saham
Modal dasar - 50.000.000 saham
Modal ditempatkan dan disetor penuh 20.000.000 saham
Pendapatan komprehensif lainnya
Saldo laba
Telah ditentukan penggunaannya
Belum ditentukan penggunaannya
TOTAL LIABILITIES
EQUITY
200.000)
(489)
200.000)
-)
40.000)
1.296.506)
13.150)
876.462)
JUMLAH EKUITAS
1.536.017)
1.089.612)
TOTAL EQUITY
6.128.419)
5.798.034)
3m,17
3f
17
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
Catatan/
Notes
PENDAPATAN
Pendapatan pembiayaan konsumen
Pendapatan sewa pembiayaan
Pendapatan anjak piutang
Denda dan pendapatan lain-lain
Penerimaan atas piutang yang
dihapuskan
Laba penjualan aset tetap
Pendapatan bunga
3o,3s,19,27
3c,3s,20,27
9
3p,21,26
3g,3s,11,27
1.880.362)
23.562)
2.010)
227.658)
1.652.806)
22.455)
1.529)
219.293)
4.557)
683)
9.795)
29.620)
2.803)
63)
9.065)
24.807)
7
3i,10
3o,22,27
2.178.247)
JUMLAH PENDAPATAN
1.932.821)
BEBAN
Gaji, tunjangan dan kesejahteraan karyawan
Umum dan administrasi
Beban bunga
Cadangan kerugian penurunan nilai
piutang
Penyusutan aset tetap
Jasa profesional
Rugi selisih kurs - bersih
3l,24,27,28
25,27
3o,3s,23,27
TOTAL INCOME
1.026.322)
1.229.472)
Perubahan ekuitas
selama tahun 2013
Balance as of
1 January 2013
Changes in equity
in 2013
17
-)
-)
10.000)
(10.000)
-)
Appropriated retained
earnings
Pembagian dividen
tunai
17
-)
-)
-)
(145.141)
(145.141)
Distribution of cash
dividends
Pembagian dividen
interim
17
-)
-)
-)
(930.000)
(930.000)
Distribution of interim
dividends
-)
-)
-)
935.281)
935.281)
Total comprehensive
income for the year
200.000)
-)
13.150)
876.462)
1.089.612)
Balance as of
31 December 2013
200.000)
-)
13.150)
876.462)
1.089.612)
Balance as of
1 January 2014
Jumlah pendapatan
komprehensif tahun
berjalan
(848.836)
(689.674)
TOTAL EXPENSES
Perubahan ekuitas
selama tahun 2014
1.329.411)
1.243.147)
17
-)
-)
26.850)
(26.850)
-)
Appropriated retained
earnings
(324.465)
(4.204)
(328.669)
(307.087)
(779)
(307.866)
Pembagian dividen
tunai
17
-)
-)
-)
(5.281)
(5.281)
Distribution of cash
dividends
Pembagian dividen
interim
17
-)
-)
-)
(548.567)
(548.567)
Distribution of interim
dividends
1.000.742)
935.281)
-)
(489)
-)
1.000.742)
1.000.253)
Total comprehensive
income for the year
200.000)
(489)
40.000)
1.296.506)
1.536.017)
PENDAPATAN KOMPREHENSIF
LAIN
Current
Deferred
(652)
-)
163)
(489)
-)
-)
1.000.253)
935.281)
TOTAL COMPREHENSIVE
INCOME FOR THE YEAR
50.037)
46.764)
3h,15
3.150)
(20.362)
(12.710)
(12.848)
(80)
3h,15
-)
Jumlah ekuitas/
Total equity
(28.331)
(11.209)
(13.881)
(9)
200.000)
(212.579)
(193.202)
(237.893)
3q
Kini
Tangguhan
Modal
saham/
Share
capital
(252.946)
(242.293)
(300.167)
3a,7,8,9
3i,10
EXPENSES
JUMLAH BEBAN
Catatan/
Notes
INCOME
Pendapatan
komprehensif
lain - bersih/
Other
comprehensive
income - net
3n,18
Jumlah pendapatan
komprehensif tahun
berjalan
Saldo pada tanggal
31 Desember 2014
Changes in equity in
2014
Balance as of
31 December 2014
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
1.
Catatan/
Notes
24.351.076)
107.301)
60.829)
19.175.058)
227.371)
10.103)
23.132.722)
219.089)
9.065)
(22.234.377)
(78.720)
(85.123)
(26.366.574)
(157.651)
(62.055)
(21.478.623)
(20.202.098)
(529.264)
(441.256)
(292.172)
(423.680)
(383.239)
(232.844)
753.867)
51.941)
1.756)
208)
11
(50.000)
(90.492)
(35.000)
50.000)
-)
(10.386)
-)
-)
(123.736)
(10.178)
27
27
26.260.598)
136.999)
83.273)
a.
22.565.000)
1.300.000)
120.000)
(55.170.000)
(1.250.000)
(553.848)
300.000)
(22.140.000)
(980.000)
(1.075.141)
(6.327)
(1.271)
(11.044)
(1.270)
(628.396)
(42.455)
1.735)
(692)
2.867)
3.559)
4.602)
2.867)
1b
14
17
UMUM
1.
GENERAL
a.
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
1.
UMUM (Lanjutan)
a.
b.
1.
1.
GENERAL (Continued)
a.
b.
Sampai dengan 31 Desember 2014, obligasiobligasi yang telah diterbitkan oleh Perseroan
adalah sebagai berikut:
Nama obligasi/
Bonds name
Central Sari Finance I
Tahun
penerbitan/
Year of
issuance
2003
Nilai
nominal/
Nominal
amount
200.000
Tingkat suku
bunga tetap per
tahun/
Fixed interest
rate per annum
13,75%
2007
100.000
10,25%
27 Pebruari/February 2009
- Seri/Series B
2007
150.000
10,75%
27 Pebruari/February 2010
- Seri/Series C
2007
125.000
11,00%
27 Agustus/August 2010
- Seri/Series D
2007
125.000
11,375%
27 Pebruari/February 2011
2010
211.500
8,65%
23 Juni/June 2011
- Seri/Series B
2010
88.500
9,05%
23 Maret/March 2012
- Seri/Series C
2010
100.000
10,45%
23 Maret/March 2013
- Seri/Series D
2010
100.000
10,95%
23 Maret/March 2014
2010
100.000
11,20%
23 Maret/March 2015
BCA
-
2011
2011
2011
2011
2011
392.000
178.000
230.000
200.000
100.000
7,90%
8,10%
8,70%
8,90%
9,00%
26 Juni/June 2012
22 September 2012
22 Juni/June 2013
22 Juni/June 2014
22 Juni/June 2015
Finance IV:
Seri/Series
Seri/Series
Seri/Series
Seri/Series
Seri/Series
A
B
C
D
E
10
UMUM (Lanjutan)
b.
1.
Nama obligasi/
Bonds name
Obligasi Berkelanjutan I BCA Finance Tahap I/BCA Finance Continuous Bonds I
- Batch I:
- Seri/Series A
GENERAL (Continued)
b.
Tahun
penerbitan/
Year of
issuance
Nilai
nominal/
Nominal
amount
2012
650.000
6,35%
14 Mei/May 2013
- Seri/Series B
2012
200.000
7,35%
9 Mei/May 2014
- Seri/Series C
2012
250.000
7,60%
9 Mei/May 2015
- Seri/Series D
2012
600.000
7,70%
9 Mei/May 2016
2013
750.000
6,50%
24 Juni/June 2014
- Seri/Series B
2013
350.000
7,50%
14 Juni/June 2016
- Seri/Series C
2013
200.000
7,60%
14 Juni/June 2017
- Seri/Series A
2014
225.000
9,00%
7 April 2015
- Seri/Series B
2014
275.000
10,00%
27 Maret/March 2017
Pada
bulan
Pebruari
2007,
Perseroan
menawarkan kepada masyarakat Obligasi BCA
Finance II dengan Tingkat Bunga Tetap Tahun
2007 dengan jumlah pokok sebesar Rp 500.000
yang dinyatakan efektif oleh Ketua Bapepam
pada tanggal 16 Pebruari 2007 berdasarkan
Surat Keputusan No. S-693/BL/2007.
11
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
1.
UMUM (Lanjutan)
b.
c.
1.
1.
GENERAL (Continued)
c.
c.
UMUM (Lanjutan)
:
:
:
Ricki Immanuel
Adhi Gunawan Budirahardjo
Sim Idrus Munandar
:
:
:
Board of Commissioners
President Commissioner
Independent Commissioner
Independent Commissioner
Dewan Direksi
Presiden Direktur
Direktur
Direktur
Direktur
:
:
:
:
Roni Haslim
Petrus Santoso Karim
Amirdin Halim
David Pangestu
:
:
:
:
Board of Directors
President Director
Director
Director
Director
12
c.
:
:
:
Audit Committee
Chairman
Member
Member
d.
e.
e.
f.
f.
g.
g.
h.
h.
DASAR PENYUSUNAN
a.
2.
Pernyataan kepatuhan
BASIS OF PREPARATION
a.
b.
c.
Statement of compliance
The Company's financial statements were
prepared and presented in accordance with
Indonesian Financial Accounting Standards
(SAK).
b.
c.
Basis of measurement
The financial statements have been prepared on
the accrual basis (except for the statement of
cash flow) using the historical cost concept, and
where the accounting standards require fair value
measurement.
Dewan Komisaris
Presiden Komisaris
Komisaris Independen
Komisaris Independen
:
:
:
GENERAL (Continued)
d.
2.
1.
d.
13
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
e.
f.
g.
f.
g.
14
3.
3.
Kebijakan-kebijakan
akuntansi
signifikan
yang
diterapkan secara konsisten dalam penyusunan
laporan keuangan ini adalah sebagai berikut:
a.
a.
a.1 Klasifikasi
a.1 Classification
Perseroan
mengelompokkan
seluruh
liabilitas keuangannya sebagai liabilitas
keuangan lainnya yang diukur pada biaya
perolehan.
a.2 Reklasifikasi
a.2
Reclassification
The Company shall not reclassify any
derivatives
designated
as
hedging
instruments after its initial recognition from
fair value through profit or loss while it is
held or issued.
15
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
3.
3.
Reklasifikasi (lanjutan)
a.3
Recognition
16
3.
3.
Setelah
pengakuan
awal,
liabilitas
keuangan dicatat pada biaya perolehan
diamortisasi (lihat Catatan 3a.6) dengan
menggunakan metode suku bunga efektif.
Recognition (continued)
Subsequent to initial recognition, financial
liabilities measured at amortized cost (see
Note 3a.6) using the effective interest
method.
a.4
Derecognition
Perseroan
menghentikan
pengakuan
liabilitas keuangan pada saat kewajiban
yang ditetapkan dalam kontrak dilepaskan
atau dibatalkan atau kadaluwarsa.
17
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
3.
3.
3.
18
3.
a.8
19
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
3.
3.
3.
20
3.
b.
c.
Pembiayaan konsumen
Penyelesaian
kontrak
sebelum
masa
pembiayaan konsumen berakhir diperlakukan
sebagai pembatalan kontrak pembiayaan
konsumen dan keuntungan yang timbul diakui
dalam laba rugi periode atau tahun berjalan.
21
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
3.
3.
e.
Pembiayaan bersama
d.
Joint financing
All joint financing agreements entered by the
Company are joint financing without recourse in
which only the Companys financing portion of
the total installments are recorded as consumer
financing receivables in the statement of financial
position (net approach). Consumer financing
income is presented in the statement of
comprehensive income after deducting the
portions belong to other parties participated to
these joint financing transactions.
d.
3.
e.
Factoring receivables
Factoring receivables are recorded at the
amount paid by the Company which are
computed based on a certain percentage of the
receivable value. The difference in value
between the amount paid by the Company and
the net factoring receivable is recognized as
unearned income and realized over the period of
the contract.
22
f.
3.
f.
23
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
3.
g.
3.
Any
ineffective
portion
is
recognized
immediately in the profit or loss. Amounts
deferred in equity are reclassified to profit or loss
as a reclassification adjustment in the same
period as the hedged cash flows affect profit or
loss, and in the same line item in the profit or
loss.
g.
24
3.
i.
3.
Pajak penghasilan
Income tax
Aset tetap
i.
Fixed assets
Based on PSAK No. 16, fixed assets are initially
recognized at acquisition cost. Subsequent to
initial measurement, fixed assets are measured
using cost model, which is carried at its cost less
accumulated depreciation and accumulated
impairment losses (except for land which is not
depreciated). Acquisition cost are includes
expenditures directly attributable to bring the
assets for its intended use includes the cost of
replacing part of the fixed assets when that cost
is incurred. When a major inspection is
performed, its replacement cost is recognized in
the carrying amount of the fixed assets if the
recognition criteria are satisfied.
25
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
3.
3.
:
:
:
3.
Tahun/Years
20
4
4&8
:
:
:
Jumlah
tercatat
aset
tetap
dihentikan
pengakuannya pada saat dilepaskan atau saat
tidak ada manfaat ekonomis masa depan yang
diharapkan dari penggunaan atau pelepasannya.
Laba atau rugi yang timbul dari penghentian
pengakuan aset (dihitung sebagai perbedaan
antara jumlah bersih hasil pelepasan dan jumlah
tercatat dari aset) diakui sebagai laba atau rugi
pada periode atau tahun aset tersebut dihentikan
pengakuannya.
26
j.
k.
3.
j.
Piutang
dari
jaminan
kendaraan
yang
dikuasakan kembali merupakan piutang yang
berasal dari jaminan kendaraan milik konsumen
untuk pelunasan piutang pembiayaan konsumen,
yang disajikan sebagai bagian dari piutang
pembiayaan konsumen.
Utang obligasi
k.
Bonds payable
27
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
3.
3.
Imbalan pasca-kerja
Post-employment benefits
Based on PSAK No. 24, the obligation for postemployment benefits is calculated at present
value of estimated future benefits that the
employees have earned in return for their
services in the current and prior periods,
deducted by any fair value of plan assets. The
calculation is performed by an independent
actuary using the projected-unit-credit method.
l.
Employee benefits
o.
3.
Imbalan kerja
p.
m. Modal saham
m.
3.
Share capital
Shares are classified as equity as there is no
contractual obligation to transfer cash or other
financial assets.
n.
28
Pendapatan denda
p.
Penalty income
29
3.
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
r.
3.
Translation of
currencies
transaction in
Segmen operasi
r.
Operating segment
Based on PSAK No. 5, an operating segment is
a component of the Company that engages in
business activities from which it may earn
revenues and incur expenses, including
revenues and expenses that relate to
transactions with any of the Companys other
components, whose operating results are
reviewed regularly by the chief operating
decision maker to make decisions about
resources allocated to the segment and assess
its performance, and for which discrete financial
information is available. Segment results that
are reported to the chief operating decision
maker include items directly attributable to a
segment, as well as those that can be allocated
on a reasonable basis. Unallocated items
comprise of mainly income tax assets and
liabilities, including current and deferred taxes,
and fixed assets.
30
3.
foreign
PT BCA FINANCE
3.
4.
s.
4.
Perseroan memiliki eksposur terhadap risikorisiko atas instrumen keuangan sebagai berikut:
Risiko kredit
Risiko pasar
Risiko likuiditas
Risiko operasional
Credit risk
Market risk
Liquidity risk
Operational risk
Kebijakan
manajemen
risiko
Perseroan
ditetapkan
untuk
mengidentifikasi
dan
menganalisis
risiko-risiko
yang
dihadapi
Perseroan, untuk menetapkan batasan dan
pengendalian risiko yang sesuai, serta untuk
mengawasi risiko dan kepatuhan terhadap
batasan yang telah ditetapkan. Kebijakan dan
sistem manajemen risiko dikaji secara berkala
untuk mencerminkan perubahan pada kondisi
pasar, produk dan jasa yang ditawarkan.
Perseroan, melalui berbagai pelatihan serta
standar dan prosedur yang telah ditetapkan,
mempunyai tujuan untuk mengembangkan
lingkungan
pengendalian
yang taat
dan
konstruktif, dimana semua karyawan memahami
peran dan tanggung jawabnya.
31
PT BCA FINANCE
CATATAN ATAS LAPORAN KEUANGAN
TAHUN BERAKHIR 31 DESEMBER 2014 DAN 2013
PT BCA FINANCE
4.
PT BCA FINANCE
4.
b.
i.
diterapkan
Prinsip kehati-hatian
i.
ii.
Manajemen penagihan
iii.
4.
iv.
b.
32
i.
i.
ii.
iii.
Prudence principal
4.
PT BCA FINANCE
33
PT BCA FINANCE
CATATAN ATAS LAPORAN KEUANGAN
TAHUN BERAKHIR 31 DESEMBER 2014 DAN 2013
PT BCA FINANCE
4.
PT BCA FINANCE
4.
b.
Bank/
Cash in
banks
Piutang
pembiayaan
konsumen/
Consumer
financing
receivables
Investasi sewa
pembiayaan
bersih/
Net investment
on finance
leases
-)
-)
-)
35.271)
10.018)
38.726)
-)
-)
-)
-)
-)
677)
-)
-)
-)
-)
-)
-)
-)
-)
-)
-)
-)
-)
-)
-)
(38.645)
45.370)
-)
-)
(677)
-)
-)
-)
-)
-)
-)
-)
-)
-)
i.
ii.
Past due:
31 - 60 days
61 - 90 days
> 90 days
iii.
7.626)
-)
-)
-)
-)
-)
2.077)
4.674.560)
190.858)
13.443)
462.589)
56.776)
20.002)
1)
(42.774)
(3.203)
(332)
-)
-)
-)
-)
2.077)
5.065.806)
195.281)
13.111)
462.589)
56.776)
20.002)
1)
iv.
Total
Bank/
Cash in
banks
Investasi sewa
pembiayaan
bersih/
Net investment
on finance
leases
Tagihan
anjak
piutang/
Factoring
receivables
Tagihan
pihak
berelasi/
Due from
related
parties
Penyertaan
lainnya/
Other
investments
Impaired financial
assets
17.408)
6.609)
19.432)
-)
-)
-)
-)
-)
-)
(28.838)
14.611)
-)
-)
-)
-)
Collectively impaired:
Past due:
31 - 60 days
61 - 90 days
> 90 days
Less: allowance for
impairment
losses
329.825)
3.147)
-)
-)
Based on days
past due:
1 - 30 days past
due
275
4.935.739)
188.891)
9.131)
189.894
34.987)
(50.835)
(3.868)
(711)
-)
Collective allowance
for impairment
losses
275
5.229.340)
188.170)
8.420)
189.894
34.987)
Jumlah
34
c.
Impaired
Exposures for which the Company
determines that there is objective evidence
of impairment and it does not expect to
collect all principal and interest due
according to the contractual terms of the
agreement.
Perseroan
menghapusbukukan
aset
keuangan
dan
penyisihan
kerugian
penurunan
nilai
terkait
pada
saat
manajemen yakin bahwa kemungkinan
tertagihnya pokok diragukan.
31 Desember/December 2013
Piutang
pembiayaan
konsumen/
Consumer
financing
receivables
Based on days
past due:
1 - 30 days past
due
388.650)
-)
b.
Less: allowance
for impairment
losses
-)
Penyisihan
penurunan nilai
kolektif
Eksposur
dimana
Perseroan
telah
menentukan bahwa terdapat bukti obyektif
penurunan nilai dan Perseroan tidak
mengharapkan untuk menerima kembali
seluruh nilai pokok dan bunga tertunggak
sesuai dengan persyaratan kontraktual
dalam perjanjian.
Berdasarkan hari
lewat jatuh
tempo:
Jatuh tempo
1 - 30 hari
4.
Collectively
impaired:
Aset keuangan
yang telah jatuh
tempo tetapi
tidak mengalami
penurunan nilai
Jumlah
Impaired financial
assets
Penurunan nilai
kolektif:
Lewat jatuh
tempo:
31 - 60 hari
61 - 90 hari
> 90 hari
Dikurangi:
penyisihan
kerugian
penurunan nilai
Aset keuangan
yang belum jatuh
tempo dan tidak
mengalami
penurunan nilai
4.
Aset keuangan
yang mengalami
penurunan nilai
31 Desember/December 2014
Piutang lainTagihan
lain dan aset
pihak
Tagihan
lain-lain/
berelasi/
anjak
Other
Due from
piutang/
receivables
related
Factoring
and other
parties
receivables
assets
PT BCA FINANCE
c.
Total
35
PT BCA FINANCE
CATATAN ATAS LAPORAN KEUANGAN
TAHUN BERAKHIR 31 DESEMBER 2014 DAN 2013
PT BCA FINANCE
4.
PT BCA FINANCE
4.
To anticipate foreign currency risk, for shortterm loan in US Dollar, the Company manages
these risks by entering into a cross currency
swap contract.
2014
Dalam dolar
Amerika
Rupiah
Serikat
ekuivalen/
penuh/In full
Rupiah
USD amount
equivalent
Aset keuangan
Bank
Liabilitas keuangan
Pinjaman jangka pendek
147.426)
1.826)
2.904)
35)
(33.154.958)
(410.624)
-)
-)
Financial asset
Cash in banks
Financial liability
Short-term loans
4.
4.
Bunga
mengambang/
Floating rate
Aset keuangan
Bank
Piutang pembiayaan
1)
konsumen
Investasi sewa
1)
pembiayaan
Tagihan anjak piutang1)
Aset derivatif untuk tujuan
manajemen risiko
Piutang pihak berelasi
Piutang lain-lain dan
aset lain-lain
Jumlah
Liabilitas keuangan
Pinjaman jangka pendek
dan cerukan
31 Desember/December 2014
Bunga tetap/Fixed rate
Kurang dari
Lebih dari
1 tahun/
3 tahun/
Less than
More than
1-3 tahun/
1 year
3 years
1-3 years
Jumlah/
Total
10)
-)
-)
-)
10)
-)
493.190)
2.847.438)
1.806.597)
5.147.225)
28.393)
-)
22.278)
14.120)
142.594)
-)
5.219)
-)
198.484)
14.120)
20.002)
85.431)
-)
-)
-)
-)
-)
-)
20.002)
85.431)
-)
133.836)
5.852)
535.440)
4.125)
2.994.157)
4.398)
1.816.214)
14.375)
5.479.647)
Financial assets
Cash in banks
Consumer financing
1)
receivables
Investment in finance
1)
leases
Factoring receivables1)
Derivative assets held for
risk management
Due from related parties
Other receivables and
other assets
Total
-)
(1.294.383)
-)
-)
(1.294.383)
-)
-)
(517)
(674.349)
-)
(1.421.109)
-)
-)
(517)
(2.095.458)
-)
-)
-)
(1.969.249)
(413.442)
(1.834.551)
-)
-)
(413.442)
(3.803.800)
Financial liabilities
Short-term loans and
overdraft
Obligations under finance
lease
Bonds payable - net
Medium-term notes
payable
Total
408.705)
(408.705)
-)
-)
-)
542.541)
(1.842.514)
1.159.606)
1.816.214)
1.675.847)
1)
36
2013
Dalam dolar
Amerika
Rupiah
Serikat
ekuivalen/
penuh/In full
Rupiah
USD amount
equivalent
PT BCA FINANCE
1)
37
PT BCA FINANCE
CATATAN ATAS LAPORAN KEUANGAN
TAHUN BERAKHIR 31 DESEMBER 2014 DAN 2013
4.
31 Desember/December 2013
Bunga tetap/Fixed rate
Kurang dari
Lebih dari
1 tahun/
3 tahun/
Less than
More than
1-3 tahun/
1 year
3 years
1-3 years
-)
-)
-)
12)
-)
2.313.910)
2.543.063)
452.040)
5.309.013)
5.626)
-)
100.739)
92.812)
9.131)
-)
90.801)
-)
-)
2.799)
-)
-)
192.038)
9.131)
100.739)
-)
106.377)
3.505)
2.419.358)
2.243)
2.636.107)
2.918)
457.757)
8.666)
5.619.599)
Financial assets
Cash in banks
Consumer financing
1)
receivables
Investment in finance
1)
leases
Factoring receivables1)
Due from related parties
Other receivables and
other assets
Total
-)
(698.603)
-)
-)
(698.603)
-)
-)
(1.052)
(1.248.462)
(618)
(1.395.221)
-)
(198.745)
(1.670)
(2.842.428)
-)
-)
-)
(1.948.117)
(293.419)
(1.689.258)
---)
(198.745)
(293.419)
(3.836.120)
Financial liabilities
Short-term loans and
overdraft
Obligations under finance
lease
Bonds payable - net
Medium-term notes
payable
Total
106.377)
471.241)
946.849)
259.012)
1.783.479)
1)
31 Desember/December
2014
2013
Kenaikan suku bunga dalam 100 basis poin
Penurunan suku bunga dalam 100 basis poin
1.201)
(1.201)
1.101)
(1.101)
d.
4.
4.
31 Desember/December 2014
Nilai
tercatat/
Carrying
amount
Pinjaman jangka
pendek dan
cerukan
Beban yang masih
harus dibayar
Utang sewa
pembiayaan
Wesel bayar jangka
menengah
Utang obligasi
Utang lain-lain
Nilai nominal
bruto arus kas
masuk (keluar)/
Gross nominal
inflow (outflow)
< 1 bulan/
month
1 - 3 bulan/
months
> 3 - 12
bulan/
months
>1-3
tahun/
years
> 3 tahun/
years
(1.294.383)
(1.313.811)
(887.307)
(5.933)
(420.571)
-)
-)
(22.873)
(22.873)
(1.051)
(17.124)
(2.692)
(2.006)
-)
(517)
(531)
(106)
(212)
(213)
-)
-)
(413.442)
(2.095.458)
(644.343)
(489.492)
(2.321.625)
(644.343)
-)
-)
(644.343)
(2.038)
(126.795)
-)
(27.967)
(675.159)
-)
(459.487)
(1.519.671)
-)
-)
-)
-)
(4.471.016)
(4.792.675)
(1.532.807)
(152.102)
(1.126.602)
(1.981.164)
-)
Short-term loans
and overdraft
Accrued expenses
Obligations under
finance lease
Medium-term notes
payable
Bonds payable
Other payables
31 Desember/December 2013
Nilai
tercatat/
Carrying
amount
Pinjaman jangka
pendek dan
cerukan
Beban yang masih
harus dibayar
Utang sewa
pembiayaan
Wesel bayar jangka
menengah
Utang obligasi
Utang lain-lain
Nilai nominal
bruto arus kas
masuk (keluar)/
Gross nominal
inflow (outflow)
< 1 bulan/
month
1 - 3 bulan/
months
> 3 - 12
bulan/
months
>1-3
tahun/
years
> 3 tahun/
years
(698.603)
(698.772)
(698.772)
-)
-)
-)
(95.442)
(77.380)
(17.747)
(26.274)
(29.773)
(3.586)
-)
(1.670)
(1.801)
(106)
(211)
(953)
(531)
-)
(293.419)
(2.842.428)
(715.881)
(4.647.443)
(373.800)
(3.185.042)
(715.881)
(5.052.676)
-)
-)
(715.881)
(1.432.506)
-)
(154.763)
-)
(181.248)
(24.600)
(1.266.804)
-)
(1.322.130)
(349.200)
(1.555.875)
-)
(1.909.192)
-)
(207.600)
-)
(207.600)
Short-term loans
and overdraft
Accrued expenses
Obligations under
finance lease
Medium-term notes
Payable
Bonds payable
Other payables
38
PT BCA FINANCE
Jumlah/
Total
12)
Liabilitas keuangan
Pinjaman jangka pendek
dan cerukan
1)
c.
Bunga
mengambang/
Floating rate
Aset keuangan
Bank
Piutang pembiayaan
1)
konsumen
Investasi sewa
1)
pembiayaan
Tagihan anjak piutang1)
Piutang pihak berelasi
Piutang lain-lain dan
aset lain-lain
Jumlah
PT BCA FINANCE
4.
PT BCA FINANCE
39
PT BCA FINANCE
CATATAN ATAS LAPORAN KEUANGAN
TAHUN BERAKHIR 31 DESEMBER 2014 DAN 2013
PT BCA FINANCE
4.
PT BCA FINANCE
4.
Risiko operasional
f.
4.
Operational risk
31 Desember/December
2014
2013
Pinjaman
Pinjaman jangka pendek dan cerukan
Wesel bayar jangka menengah
Utang obligasi
Jumlah pinjaman
Debt
1.294.383)
420.000)
2.100.000)
3.814.383)
698.217)
300.000)
2.850.000)
3.848.217)
1.536.017)
100.000)
(145.639)
1.490.378)
1.089.612)
100.000)
(66.019)
1.123.593)
Equity
Subordinated bonds payable
Investment in shares of stock
Total equity
2,56)
3,42)
Modal
Equity
Modal
Utang obligasi subordinasi
Penyertaan saham
Jumlah modal
5.
5.
a.
a.
Capital management
The Companys
bonds payable
payable. Capital
capital, additional
earnings.
40
4.
Manajemen modal
PT BCA FINANCE
41
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
5.
5.
b.
The Companys
accounting
policies
provide scope for assets and liabilities to
be designated on inception into different
accounting
categories
in
certain
circumstances.
Kebijakan
akuntansi
Perseroan
untuk
pengukuran nilai wajar dibahas di Catatan
3a.7.
42
5.
5.
43
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
5.
5.
6.
KAS DI BANK
6.
Tingkatan 2:
Aset derivatif untuk tujuan manajemen
risiko
20.002
kualifikasi
31 Desember/December
2014
2013
Kas di bank
Rupiah
Pihak ketiga
PT Bank Sumitomo Mitsui Indonesia
Standard Chartered Bank Indonesia
PT Bank DBS Indonesia
The Hong Kong and Shanghai Banking
Corporation Ltd., - cabang Indonesia
Lain-lain (masing-masing di bawah Rp 5)
Dolar Amerika Serikat
Pihak ketiga
The Hong Kong and Shanghai Banking
Corporation Ltd., - cabang Indonesia
(USD 2.329 dan USD 2.338 masingmasing pada tanggal 31 Desember 2014
dan 2013)
Jumlah kas di bank dengan pihak ketiga
Rupiah
Pihak berelasi (lihat Catatan 27)
PT Bank Central Asia Tbk
Dolar Amerika Serikat
Pihak berelasi (lihat Catatan 27)
PT Bank Central Asia Tbk (USD 145.097 dan
USD 566 masing-masing pada
tanggal 31 Desember 2014
dan 2013)
123
10
11
5
1
11
10
6
14
11
29
27
192
66
Cash in banks
Rupiah
Third parties
PT Sumitomo Mitsui Bank Indonesia
Standard Chartered Bank Indonesia
PT Bank DBS Indonesia
The Hong Kong and Shanghai Banking
Corporation Ltd., - Indonesia branch
Others (each below Rp 5)
US Dollar
Third party
The Hong Kong and Shanghai
Banking Corporation Ltd., - Indonesia
branch (USD 2,329 and USD 2,338 as of
31 December 2014 and 2013,
respectively)
Total cash in banks with third parties
Rupiah
Related party (see Note 27)
PT Bank Central Asia Tbk
US Dollar
Related party (see Note 27)
PT Bank Central Asia Tbk
(USD 145,097 and USD 566 as of
31 December 2014 and 2013,
respectively)
88)
202
1.797)
1.885)
209
2.077)
275
Level 2:
Derivative assets held for
risk management
44
31 Desember/December
2014
2013
CASH IN BANKS
31 Desember/December
2014
2013
Rupiah
Dolar Amerika Serikat
0,00% - 2,75%
0,00%
0,00% - 2,75%
0,00%
Rupiah
US Dollar
45
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
7.
7.
31 Desember/December
2014
2013
Pihak ketiga
Pembiayaan yang dibiayai sendiri
Bagian pembiayaan yang dibiayai bersama pihak
berelasi without recourse (lihat Catatan 26)
Piutang pembiayaan konsumen
Pendapatan pembiayaan konsumen yang belum
diakui
Pendapatan administrasi yang belum di amortisasi bersih
Piutang pembiayaan konsumen, sebelum penyisihan
kerugian penurunan nilai - pihak ketiga
Penyisihan kerugian penurunan nilai
Piutang pembiayaan konsumen, setelah penyisihan
kerugian penurunan nilai - pihak ketiga
4.006.980)
4.420.511)
3.763.707)
3.471.083)
7.770.687)
7.891.594)
(2.006.845)
(1.865.383)
(616.619)
(717.200)
5.147.223)
(81.419)
5.309.011)
(79.673)
5.065.804)
5.229.338)
3)
5)
(1)
(3)
2)
-)
2)
-)
Pihak berelasi
Piutang pembiayaan konsumen
Pendapatan pembiayaan konsumen yang belum
diakui
Piutang pembiayaan konsumen, sebelum penyisihan
kerugian penurunan nilai - pihak berelasi
Penyisihan kerugian penurunan nilai
Piutang pembiayaan konsumen, setelah penyisihan
kerugian penurunan nilai - pihak berelasi
Jumlah piutang pembiayaan konsumen, setelah
penyisihan kerugian penurunan nilai
Tingkat suku bunga kontraktual setahun
Third parties
Self-financing
Share in joint financing with related
party without recourse (see Note 26)
Consumer financing receivables
Unearned consumer financing
income
Unamortized administration income - net
Consumer financing receivables, before
allowance for impairment losses - third parties
Allowance for impairment losses
Consumer financing receivables, after
allowance for impairment losses - third parties
Related party
Consumer financing receivables
Unearned consumer financing
income
Consumer financing receivables, before
allowance for impairment losses - related party
Allowance for impairment losses
2)
2)
5.065.806)
5.229.340)
7,04% - 24,51%
7,04% - 24,00%
penurunan nilai
adalah sebagai
7.
7.
Perseroan
mengadakan
perjanjian
kerjasama
pembiayaan konsumen dengan BCA, entitas induk,
dimana porsi BCA atas pembiayaan bersama tidak
lebih dari 95% (sembilan puluh lima persen) jumlah
keseluruhan pembiayaan konsumen (lihat Catatan 26
dan 27). Pada tanggal 31 Desember 2014 dan 2013,
informasi tentang porsi pembiayaan bersama antara
Perseroan dan BCA adalah sebagai berikut:
2014
Jumlah piutang pembiayaan bersama sebelum
dikurangi pendapatan pembiayaan bersama yang
belum diakui
Bagian piutang pembiayaan konsumen yang dibiayai
BCA
Bagian piutang pembiayaan konsumen yang dibiayai
oleh Perseroan
31 Desember/December
%
2013
Saldo akhir
79.673)
28.698)
(26.952)
81.419)
76.401)
18.848)
(15.576)
79.673)
100%)
35.980.741)
100%)
(33.268.553)
(89.84%)
(32.509.658)
(90,35%)
3.763.707)
10.16%)
3.471.083)
9,65%)
46
Beginning balance
Addition during the year
Written-off during the year
Ending balance
37.032.260)
31 Desember/December
2014
2013
Saldo awal
Penambahan selama tahun berjalan
Penghapusan selama tahun berjalan
47
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
8.
8.
8.
31 Desember/December
2014
2013
Pihak ketiga
Tagihan sewa pembiayaan bruto, jatuh tempo
dalam periode:
Sampai dengan 1 tahun
> 1 tahun sampai dengan 3 tahun
> 3 tahun
Nilai sisa yang terjamin
Investasi sewa pembiayaan bruto
Dikurangi:
Pendapatan pembiayaan tangguhan
Simpanan pinjaman
Investasi bersih dalam sewa pembiayaan,
sebelum penyisihan kerugian penurunan
nilai - pihak ketiga
Penyisihan kerugian penurunan nilai
Investasi bersih dalam sewa pembiayaan,
setelah penyisihan kerugian penurunan
nilai - pihak ketiga
Pihak berelasi
Tagihan sewa pembiayaan bruto, jatuh tempo
dalam periode:
Sampai dengan 1 tahun
> 1 tahun sampai dengan 3 tahun
> 3 tahun
Nilai sisa yang terjamin
Investasi sewa pembiayaan bruto
Dikurangi:
Pendapatan pembiayaan tangguhan
Simpanan pinjaman
Investasi bersih dalam sewa pembiayaan,
sebelum penyisihan kerugian penurunan
nilai - pihak berelasi
Penyisihan kerugian penurunan nilai
Investasi bersih dalam sewa pembiayaan,
setelah penyisihan kerugian penurunan
nilai - pihak berelasi
Jumlah investasi bersih dalam sewa pembiayaan,
setelah penyisihan kerugian penurunan nilai
Tingkat suku bunga kontraktual setahun
)
119.505)
70.430)
909)
190.844)
117.561)
308.405)
116.535)
91.938)
2.739)
211.212)
89.240)
300.452)
(20.753)
(117.561)
(24.800)
(89.240)
170.091)
(2.920)
186.412)
(3.812)
167.171)
182.600)
)
14.443)
18.214)
-)
32.657)
3.901)
36.558)
5.112)
901)
58)
6.071)
2.855)
8.926)
Third parties
Gross finance lease receivables, due
in periods:
Up to 1 year
> 1 year up to 3 years
> 3 years
Guarantee residual value
Gross investment in finance leases
Less:
Unearned lease income
Security deposits
Net investment in finance leases,
before allowance for impairment losses third parties
Allowance for impairment losses
Net investment in finance leases,
after allowance for impairment losses third parties
(445)
(2.855)
28.393)
(283)
5.626)
(56)
28.110)
5.570)
195.281)
188.170)
11,00% - 17,00%
9,50% - 22,00%
Piutang
sewa
pembiayaan
pada
tanggal
31 Desember 2014 dan 2013 dievaluasi secara
kolektif terhadap penurunan nilai dan Perseroan telah
membentuk cadangan kerugian penurunan nilai
piutang sewa pembiayaan.
Financing
lease
receivables
as
of
31 December 2014 and 2013 are collectively
evaluated for impairment and the Company had
provided allowance for impairment losses on
financing lease receivables.
9.
3.868)
(665)
3.203)
2.925)
943)
3.868)
Beginning balance
(Deduction) additional during the year
Ending balance
9.
FACTORING RECEIVABLES
This account consists of:
31 Desember/December
2014
2013
Tagihan anjak piutang
Pendapatan anjak piutang yang belum diakui
Tagihan anjak piutang, sebelum penyisihan
kerugian penurunan nilai
Cadangan kerugian penurunan nilai tagihan anjak
piutang
Tagihan anjak piutang, setelah penyisihan
kerugian penurunan nilai
14.299)
(179)
9.244)
(113)
14.120)
9.131)
(1.009)
(711)
13.111)
8.420)
18,00%
18,00%
Factoring receivables
Unearned factoring income
Factoring receivables, before
allowance for impairment losses
Allowance for impairment losses on
factoring receivables
Factoring receivables, after
allowance for impairment losses
Contractual interest rate per annum
31 Desember/December
2014
2013
Saldo awal
Penambahan selama tahun berjalan
Saldo akhir
48
8.
Saldo awal
(Pengurangan) penambahan selama tahun berjalan
Saldo akhir
(4.264)
(3.901)
31 Desember/December
2014
2013
Related parties
Gross finance lease receivables due
in periods:
Up to 1 year
> 1 year up to 3 years
> 3 years
Less:
Unearned lease income
Security deposits
Net investment in finance leases,
before allowance for impairment losses related parties
Allowance for impairment losses
Net investment in finance leases,
after allowance for impairment losses related parties
711
298
1.009
49
140)
571)
711)
Beginning balance
Addition during the year
Ending balance
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
9.
9.
Harga perolehan
Pemilikan langsung
Tanah
Bangunan dan prasarana
Kendaraan bermotor
Perlengkapan dan peralatan
kantor
Penambahan/
Additions
Pelepasan/
Disposals
Saldo akhir/
Ending balance
2013
Harga perolehan
Pemilikan langsung
Tanah
Bangunan dan prasarana
Kendaraan bermotor
Perlengkapan dan peralatan
kantor
499)
3.212)
19.571)
82.735)
-)
1.103)
-)
-)
(2.616)
83.234)
3.212)
18.058)
53.288)
7.757)
(4.777)
56.268)
76.570)
91.595)
(7.393)
160.772)
3.400)
-)
-)
3.400)
79.970)
91.595)
(7.393)
164.172)
(197)
(8.625)
(159)
(2.695)
-)
1.559)
(356)
(9.761)
(40.308)
(7.231)
4.761)
(42.778)
(49.130)
(10.085)
6.320)
(52.895)
(1.339)
(1.124)
-)
(2.463)
(50.469)
(11.209)
6.320)
(55.358)
29.501)
108.814)
50
Penambahan/
Additions
Pelepasan/
Disposals
Saldo akhir/
Ending balance
Acquisition cost
Direct ownership
Land
Building and improvements
Motor vehicles
Furnitures, fixtures and
office equipments
499)
1.305)
15.873)
-)
1.907)
3.940)
-)
-)
(242)
499)
3.212)
19.571)
44.994)
8.479)
(185)
53.288)
62.671)
14.326)
(427)
76.570)
3.400)
-)
-)
3.400)
66.071)
14.326)
(427)
79.970)
Akumulasi penyusutan
Pemilikan langsung
Bangunan dan prasarana
Kendaraan bermotor
Perlengkapan dan peralatan
kantor
(92)
(5.706)
(105)
(3.017)
-)
98)
(197)
(8.625)
(31.881)
(8.611)
184)
(40.308)
Accumulated depreciation
Direct ownership
Building and improvements
Motor vehicles
Furnitures, fixtures and
office equipments
(37.679)
(11.733)
282)
(49.130)
(362)
(977)
-)
(1.339)
(38.041)
(12.710)
282)
(50.469)
29.501)
Saldo awal/
Beginning balance
2014
Saldo awal/
Beginning balance
28.030)
1.756)
(1.073)
208)
(145)
683)
63)
51
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
31 Desember/December 2014
Akumulasi bagian
atas laba bersih/
Accumulated
Nilai perolehan/
Nilai tercatat/
share in net
income
Cost
Carrying value
Penyertaan lainnya
PT Bank BCA Syariah
Jumlah
75.000
13.500
88.500
37.782
19.356
57.138
112.782
32.856
145.638
Other investment
PT Bank BCA Syariah
88.501
57.138
145.639
Total
31 Desember/December 2013
Akumulasi bagian
atas laba bersih/
Accumulated
Nilai perolehan/
Nilai tercatat/
share in net
Cost
Carrying value
income
Investasi pada entitas asosiasi
PT Central Santosa Finance
PT Asuransi Umum BCA
Sub-total
Penyertaan lainnya
PT Bank BCA Syariah
Jumlah
25.000)
13.500)
38.500)
17.203)
10.315)
27.518)
42.203)
23.815)
66.018)
1)
-)
1)
Other investment
PT Bank BCA Syariah
38.501)
27.518)
66.019)
Total
52
2.301.642
679.454
Total aset/
Total assets
PT Central Santosa Finance
PT Asuransi Umum BCA
2.094.754
435.352
31 Desember/December 2014
Total liabilitas/
Total pendapatan/
Total liabilities
Total income
1.850.512
517.335
Laba/
Profit
1.036.262
327.120
31 Desember/December 2013
Total liabilitas/
Total pendapatan/
Total liabilities
Total income
1.925.940
344.398
677.575
188.821
a.
82.315
36.163
86.948
12.280
Laba/
Profit
Bagian atas laba bersih entitas asosiasi masingmasing sebesar Rp 20.579 dan Rp 21.737
untuk tahun yang berakhir 31 Desember 2014
dan 2013 dan disajikan sebagai Bagian atas
laba bersih entitas asosiasi pada laporan laba
rugi komprehensif.
53
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
b.
Bagian atas laba bersih entitas asosiasi masingmasing sebesar Rp 9.041 dan Rp 3.070 untuk
tahun yang berakhir 31 Desember 2014 dan 2013
dan disajikan sebagai Bagian atas laba bersih
entitas asosiasi pada laporan laba rugi
komprehensif.
c.
225.249)
300.000)
100.133)
290.123)
-)
-)
-)
100.023)
625.272)
50.033)
30.014)
30.045)
-)
500.348)
410.624)
1.035.896)
-)
500.348)
100.022)
50.038)
Cerukan
Rupiah
PT Bank Central Asia Tbk
158.465)
148.217)
258.487)
198.255)
1.294.383)
698.603)
Jumlah
54
55
Third parties
Short-term loans
Rupiah
PT Bank Victoria International Tbk
PT Bank Sumitomo Mitsui Indonesia
The Hong Kong and
Shanghai Banking Corporation Ltd. Indonesia branch
PT Bank QNB Kesawan Tbk
PT Bank Pan Indonesia Tbk
PT Bank UOB Indonesia Tbk
USD Dollar
The Hong Kong and
Shanghai Banking Corporation Ltd. - Indonesia
branch
Related party (see Note 27)
Short-term loan
Rupiah
PT Bank Central Asia Tbk
Overdraft
Rupiah
PT Bank Central Asia Tbk
Total
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
31 Desember/December
2014
31 Desember/December
2013
2014
2013
Third parties
Short-term loans
Rupiah
Pihak ketiga
Pinjaman jangka pendek
Rupiah
17 Desember/
December 2015
30 Juni/June 2015
8 September 2015
17 Pebruari/
February 2015
17 Desember/
December 2014
30 Juni/June 2014
8 September 2014
17 Pebruari/
February 2014
225.000)
500.000)
250.000)
225.000)
500.000)
250.000)
75.000)
100.000)
75.000)
100.000)
10 Maret/March 2015
10 Maret/March 2014
180.000)
180.000)
21 Maret/March 2015
21 Maret/March 2014
200.000)
100.000)
27 Maret/March 2015
27 Maret/March 2014
21 Pebruari/
February 2015
21 Nopember/
November 2014
200.000)
200.000)
400.000)
-)
31 Juli/July 2015
300.000)
-)
16 Juni/June 2015
-)
20.000)
30.000)
20.000)
30 September 2015
9 Juli/July 2014
30 September 2014
12.000)
12.000)
14 Maret/March 2016
14 September 2014
150.000)
15 Nopember/
November 2015
15 Nopember/
November 2014
150.000)
15 Nopember/
November 2015
15 Nopember/
November 2014
Cerukan
Rupiah
PT Bank Central Asia Tbk
1)
200.000)
In thousand of US Dollar
31 Desember/December
2014
2013
31 Desember/December
2014
2013
Nilai nominal:
Obligasi BCA Finance III
Obligasi Subordinasi
BCA Finance I
-)
100.000)
100.000)
100.000)
Nominal value:
BCA Finance Bonds III
BCA Finance Subordinated
Bonds I
100.000)
300.000)
Obligasi Berkelanjutan I
BCA Finance - Tahap I
850.000)
1.050.000)
Obligasi Berkelanjutan I
BCA Finance - Tahap II
550.000)
1.300.000)
Obligasi Berkelanjutan I
BCA Finance - Tahap III
500.000)
-)
2.100.000)
2.850.000)
(4.542)
(7.572)
Less:
Deferred bonds issuance costs - net
2.095.458)
2.842.428)
Total - net
Dikurangi:
Beban emisi obligasi ditangguhkan - bersih
Jumlah - bersih
Beban amortisasi yang dibebankan ke laba rugi
Rupiah
Dolar Amerika Serikat
7,39% - 10,50%
1,37%
5,50% - 9,75%
-
Rupiah
US Dollar
5.301)
6.029)
7,50% - 11,20%
6,50% - 11,20%
56
57
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
id AAA
58
59
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
60
a.
a.
mengalihkan,
menjaminkan
dan/atau
menggadaikan harta kekayaan Perseroan yang
ada maupun yang akan ada, kecuali:
1.
1.
2.
2.
3.
3.
4.
sekuritisasi
aset
yang
dananya
dipergunakan
untuk
kegiatan
usaha
Perseroan dengan ketentuan bahwa setelah
sekuritisasi aset tersebut tidak boleh
menyebabkan aset Perseroan yang bebas
dari jaminan menjadi kurang dari 10%
(sepuluh persen) dari pokok obligasi.
4.
b.
b.
c.
melakukan
pengambilalihan,
kecuali
pengambilalihan yang dilakukan dengan atau
pada Perseroan yang bidang usahanya sama dan
tidak mempunyai dampak negatif terhadap
jalannya
usaha
Perseroan
serta
tidak
mempengaruhi kemampuan Perseroan dalam
melakukan pembayaran pokok obligasi dan/atau
bunga obligasi;
c.
d.
d.
61
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
1.
1.
2.
(termasuk
2.
3.
3.
31 Desember/December
2014
2013
Nilai nominal
MTN III BCA Finance
MTN IV BCA Finance
Dikurangi biaya penerbitan wesel bayar jangka
menengah ditangguhkan - setelah dikurangi
beban amortisasi sebesar Rp 2.696 dan
Rp)150 masing-masing pada tanggal
31 Desember 2014 dan 2013
Jumlah
300.000)
120.000)
(6.558)
413.442)
62
300.000)
-)
Nominal value
MTN III BCA Finance
MTN IV BCA Finance
(6.581)
293.419)
Less deferred MTN issuance cost net of amortization expense of Rp 2,696 and
Rp 150 as of 31 December 2014 and 2013
Total
14. MEDIUM-TERM
(Continued)
NOTES
(MTN)
PAYABLE
63
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
a.
a.
e.
3.
b.
c.
d.
e.
1.
1.
1.
2.
(termasuk
2.
3.
3.
pengalihan/penjaminan
harta
kekayaan
karena adanya pinjaman atau penerbitan
instrumen pasar modal yang digunakan
untuk membiayai kegiatan usaha Perseroan
sehari-hari, termasuk pembiayaan sewa
guna usaha dan anjak piutang atau
kerjasama pembiayaan bersama maupun
perjanjian kerjasama pemasaran fasilitas
kredit kendaraan bermotor dan pengelolaan
piutang;
2.
sekuritisasi
aset
yang
dananya
dipergunakan untuk kegiatan usaha
Perseroan dengan ketentuan bahwa
sekuritisasi
aset
tersebut
tidak
menyebabkan aset Perseroan yang bebas
dari jaminan menjadi kurang dari 10%
(sepuluh persen) dari pokok MTN;
3.
2.
mengalihkan,
menjaminkan
dan/atau
menggadaikan harta kekayaan Perseroan yang
ada maupun yang akan ada, kecuali:
1.
b.
melakukan
pengambilalihan,
kecuali
pengambilalihan yang dilakukan dengan atau
pada Perseroan yang bidang usahanya sama
dan tidak mempunyai dampak negatif terhadap
jalannya
usaha
Perseroan
serta
tidak
mempengaruhi kemampuan Perseroan dalam
melakukan pembayaran pokok MTN dan/atau
bunga MTN;
c.
d.
64
a.
31 Desember/December
2014
2013
b.
16.007)
20.262)
36.269)
15.098)
21.626)
36.724)
Pajak penghasilan
Pasal 21
Pasal 4 (2)
Pasal 26
Pasal 23
Pajak pertambahan nilai
Jumlah
8.635)
2.149)
-)
367)
5.857)
53.277)
6.373)
2.083)
1.064)
682)
1.443)
48.369)
Income tax
Article 21
Article 4 (2)
Article 26
Article 23
Value added tax
Total
b.
c.
324.465)
4.204)
328.669)
307.087)
779)
307.866)
c.
1.329.411)
25%)
332.353)
1.243.147)
25%)
310.787)
(3.684)
328.669)
(2.921)
307.866)
65
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
d.
e.
Beda permanen:
Pendapatan jasa giro
Laba bersih entitas asosiasi
Beban yang tidak dapat dikurangkan
1.329.411)
1.243.147)
4.353)
(280)
(20.945)
5.025)
1.387)
(9.000)
84)
(29)
(16.817)
(466)
(63)
(3.117)
31 Desember/
December 2013
Permanent differences:
Interest income
Net income of associated entities
Non-deductible expenses
(4)
(29.620)
14.890)
(14.734)
(5)
(24.807)
13.129)
(11.683)
1.297.860)
1.228.347)
Taxable income
324.465)
(304.203)
20.262)
307.087)
(285.461)
21.626)
66
Diakui pendapatan
komprehensif lain
Diakui pada (laba) periode berjalan/
Recognized in
rugi periode
current period
berjalan/
other
Recognized in
comprehensive
current period
31 Desember/
income
(profit) or loss
December 2014
3.152)
758)
1.088)
(70)
-)
-)
4.240)
688)
16.500)
(5.236)
-)
11.264)
84)
-)
20.494)
21)
-)
(4.197)
-)
163)
163)
105)
163)
16.460)
(12)
(12)
(7)
(7)
-)
-)
(19)
(19)
20.482)
(4.204)
163)
16.441)
31 Desember/
December 2012
f.
e.
Diakui pada
pendapatan
komprehensif lain
tahun berjalan/
Recognized in
current year other
comprehensive
income
1.256)
347)
-)
-)
3.152)
758)
18.750)
(2.250)
-)
16.500)
201)
3)
21.261)
(117)
(3)
(767)
-)
-)
-)
84)
-)
20.494)
-)
-)
(12)
(12)
-)
-)
(12)
(12)
21.261)
(779)
-)
20.482)
f.
67
Accrued expenses
Allowance for impairment
losses on receivables
Cash flow hedge
31 Desember/
December 2013
1.896)
411)
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
Sub-total
Pihak berelasi
Utang ke perusahaan asuransi
Liabilitas atas transaksi pembiayaan
bersama
Lain-lain
Sub-total
Jumlah
168.896)
170.607)
28.111)
2.273)
369.887)
254.439)
105.308)
107.121)
3.441)
470.309)
45.115)
33.971)
228.827)
514)
274.456)
211.011)
590)
245.572)
644.343)
715.881)
Third parties
Payables to insurance companies
Advances from customer
Payables to dealer
Others
Total
Pemegang saham/
Shareholders
Persentase kepemilikan/
Percentage of ownership
1.000.742 )
935.281)
20.000.000)
20.000.000)
50.037)
46.764)
Jumlah/
Total
19.915.185
84.815
99,58%
0,42%
199.152
848
20.000.000
100,00%
200.000
68
Sub-total
Sub-total
Related parties
Payables to insurance company
Liability on joint financing
transactions
Others
31 Desember/December
2014
2013
Pihak ketiga
Utang ke perusahaan asuransi
Titipan konsumen
Utang ke dealer
Lain-lain
Pihak ketiga
Pihak berelasi
PT Bank Central Asia Tbk
(lihat Catatan 27)
PT Bank BCA Syariah
(lihat Catatan 27)
PT BCA Sekuritas (lihat Catatan 27)
PT Central Santosa Finance
(lihat Catatan 27)
23.179)
98,37)
21.499)
95,74)
239)
1,01)
857)
3,82 )
97)
40)
0,41)
0,17)
74)
25)
0,33 )
0,11 )
7)
0,04)
-)
-)
Third parties
Related parties
PT Bank Central Asia Tbk
(see Note 27)
PT Bank BCA Syariah
(see Note 27)
PT BCA Sekuritas (see Note 27)
PT Central Santosa Finance
(see Note 27)
Jumlah
23.562 )
100,00)
22.455)
100,00)
Total
69
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
Jumlah
151.439)
58.828)
15.342)
143.421)
62.052 )
13.820 )
225.609)
219.293)
2.049)
-)
Related parties
Management fee (see Note 26)
227.658)
219.293)
Total
Sub-total
239.263)
5.553)
8.130)
252.946)
Pihak berelasi
Rekening giro - Rupiah
Pinjaman subordinasi - CSF
Pinjaman subordinasi - BCAI
4)
9.645)
146)
5)
9.060 )
-)
Jumlah
9.795)
9.065)
Related parties
Current accounts - Rupiah
Subordinated loan - CSF
Subordinated loan - BCAI
Total
Jumlah
202.920)
31.995)
54.119)
118)
205.292)
1.708 )
19.499 )
230)
5.301)
6.029 )
2.696)
297.149)
150)
232.908)
3.018)
4.985 )
300.167)
237.893)
Pemasaran
Pendukung operasional
Sewa
Fidusia
Transportasi dan perjalanan
Perlengkapan kantor
Perbaikan dan pemeliharaan
Asuransi
Jamuan
Komunikasi
Pelatihan
Lain-lain
Jumlah
Pihak berelasi
Bunga atas pinjaman bank
Total
Pihak ketiga
Bunga atas efek utang yang diterbitkan:
Utang obligasi
Wesel bayar jangka menengah
Bunga atas pinjaman bank
Utang sewa pembiayaan
Amortisasi biaya emisi obligasi
(lihat Catatan 13)
Amortisasi biaya emisi wesel bayar jangka
menengah (lihat Catatan 14)
Sub-total
198.708)
6.325)
7.546)
212.579)
48.119)
45.207)
33.046)
25.739)
16.493)
15.793)
11.545)
9.119)
7.233)
6.460)
5.720)
17.819)
242.293)
Total
Third parties
Interest on debt securities issued:
Bonds payable
Medium-term notes payable
Interest on bank loans
Obligations under finance lease
Amortization of deferred bonds issuance
costs (see Note 13)
Amortization of medium-term notes
issuance cost (see Note 14)
Sub-total
70
Marketing
Outsourcing
Rent
Fiducia
Transportation and traveling
Office supplies
Repair and maintenance
Insurance
Entertainment
Communication
Training
Others
Related party
29.793)
45.196)
27.239)
10.680)
14.534)
13.643)
13.012)
7.370)
5.005)
4.971)
6.997)
14.762)
193.202)
71
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
a.
72
a.
73
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
c.
b.
Berdasarkan
perjanjian
No.418/CIGNABCAF/II/12 per tanggal 20 Pebruari 2012,
Perseroan
mengadakan
perjanjian
kerjasama dengan PT Asuransi Cigna untuk
memberikan fasilitas perlindungan asuransi
jiwa kepada debitur yang menerima fasilitas
pembiayaan
kendaraan
bermotor.
Berdasarkan perjanjian ini, untuk tahun
berakhir 31 Desember 2014 dan 2013,
Perseroan
memperoleh
pendapatan
management fee masing-masing sebesar
Rp 43.963 dan Rp 34.355.
Perjanjian lain-lain
c. Other agreements
The Company entered into agreements with
PT Asuransi Raksa Pratikara, PT Asuransi ACE
Jaya Proteksi, PT Asuransi Central Asia,
PT Asuransi Sinar Mas, PT Asuransi Wahana
Tata, PT Asuransi Adira Dinamika, PT Pan Pacific
Insurance, PT Asuransi Mitra Pelindung Mustika,
PT Asuransi Purna Artanugraha and PT Asuransi
Cakrawala Proteksi Indonesia, third party
insurance entities and PT Asuransi Umum BCA
(formerly PT Central Sejahtera Insurance), a
related party, to insure the vehicles which were
financed by the Company from the risks of loss
and damages.
Pihak berelasi/
Related party
PT Bank Central Asia Tbk
PT BCA Sekuritas
Entitas sepengendali/
Entity under common control
Entitas sepengendali/
Entity under common control
Entitas sepengendali/
Entity under common control
Imbalan kerja/
Employee benefits
31 Desember/December
2014
2013
Saldo/Balance
ASET
Bank
Entitas induk - BCA
Piutang pembiayaan
1)
konsumen
Entitas sepengendali BCA Sekuritas
Investasi sewa
1)
pembiayaan bersih
Entitas induk - BCA
Entitas sepengendali:
BCA Syariah
BCA Sekuritas
Entitas asosiasi - CSF
Piutang pihak berelasi
Entitas induk - BCA
Entitas asosiasi:
CSF
BCAI
Entitas sepengendali BCA Life
Penyertaan saham
Entitas asosiasi:
CSF
BCAI
Entitas sepengendali BCA Syariah
1)
2)
74
2)
Saldo/Balance
2)
1.885)
0,03)
209)
0,01)
2)
0,01)
2)
0,01)
26.968)
0,44)
4.195)
0,07)
591)
283)
551)
0,01)
0,01)
0,01)
1.034)
397)
-)
0,02)
0,01)
-)
375.578)
6,13)
89.155)
1,54)
50.418)
35.013)
0,82)
0,57)
100.739)
-)
1,74)
-)
1.580)
0,03)
-)
-)
112.782)
32.856)
1,84)
0,54)
42.204)
23.814)
0,73)
0,41)
1)
0,01)
1)
0,01)
ASSETS
Cash in banks
Parent entity - BCA
Consumer financing
1)
receivables
Entity under common control BCA Sekuritas
Net investment in finance
1)
leases
Parent entity - BCA
Entities under common control:
BCA Syariah
BCA Sekuritas
Associated entities - CSF
Due from a related parties
Parent entity - BCA
Associated entities:
CSF
BCAI
Entity under common control BCA Life
Investment in shares of stock
Associated entities:
CSF
BCAI
Entity under common control BCA Syariah
1)
2)
75
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
31 Desember/December
2014
2013
Saldo/Balance
LIABILITAS
Pinjaman jangka pendek dan cerukan
Entitas induk - BCA
Utang lain-lain
Entitas induk - BCA
Entitas asosiasi - BCAI
%2)
Saldo/Balance
%2)
258.487)
5,63)
198.255)
4,21)
229.341)
45.115)
4,99)
0,98)
211.601)
33.971)
4,49)
0,72)
LIABILITIES
Short-term loans and overdraft
Parent entity - BCA
Other payables
Parent entity - BCA
Associated entity - BCAI
%3)
Jumlah/Amount
%3)
PENDAPATAN
Pendapatan pembiayaan konsumen
Entitas sepengendali BCA Sekuritas
Pendapatan sewa pembiayaan
Entitas induk - BCA
Entitas sepengendali:
BCA Syariah
BCA Sekuritas
Entitas asosiasi - CSF
Denda dan pendapatan lain-lain
Entitas sepengendali BCA Life
Pendapatan bunga
Entitas induk - BCA
Entitas asosiasi:
CSF
BCAI
Bagian atas laba bersih entitas
asosiasi
Entitas asosiasi:
CSF
BCAI
BEBAN
Beban bunga
Entitas induk - BCA
Umum dan administrasi
Entitas induk - BCA
INCOME
2)
0,01)
2)
0,01)
239)
0,01)
857)
0,04)
97)
40)
7)
0,01)
0,01)
0,01)
74)
25)
0,01)
0,01)
2.049)
0,09)
-)
-))
4)
0,01)
5)
0,01)
9.645)
146)
0,44)
0,01)
9.060)
-)
0,47)
-)
1,12)
0,16)
20.579)
9.041)
0,94)
0,42)
21.737)
3.070)
3.018)
0,36)
4.985)
0,72)
50)
0,01)
-))
-)
2)
EXPENSE
Interest expense
Parent entity - BCA
General and administrative
Parent entity - BCA
2)
27.
Perseroan
memiliki
tagihan
lainnya
kepada
PT Asuransi Jiwa BCA sebesar Rp 1.580 yang berasal
dari jasa manajemen yang masih harus diterima dan
disajikan sebagai bagian dari akun Piutang pihak
berelasi.
3.820)
37.006)
3.440)
28.786)
Commissioners
Direksi
Total
40.826)
32.226)
Total
Tidak ada kompensasi dalam bentuk imbalan pascakerja, imbalan kerja jangka panjang lainnya,
pesangon kontrak kerja dan pembiayaran berbasis
saham.
76
Directors
77
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
28.
The following table summarizes the obligation for postemployment benefits of the Company as recorded in the
statements of financial position, movement in the
obligation, and expenses recognized in the statements
of comprehensive income for the years ended
31 December 2014 and 2013:
a. Post-employment benefits
Untuk tahun yang berakhir/
for the year ended
31 Desember/December
2014
2013
3.612)
2.355)
(639)
3.654)
1.977)
(496)
25)
200)
25)
1.165)
5.553)
6.325)
8%)
10%)
7%)
8,5%)
10%)
7%)
78
27.768)
(9.774)
(756)
27.711)
(9.126)
(5.675)
(275)
(300)
16.963)
12.610)
31 Desember/December
2014
2013
Tingkat diskonto per tahun
Tingkat kenaikan penghasilan dasar per tahun
Tingkat ekspektasian aset program
27.711)
3.612)
2.355)
-)
(5.910)
32.950)
3.654)
1.977)
(8)
(10.862)
27.768)
27.711)
31 Desember/December
2014
2013
Nilai wajar aset program pada
awal tahun
Imbal hasil ekspektasian aset program
Iuran oleh pemberi kerja
Keuntungan pada aset program
Nilai wajar aset program pada
akhir tahun
9.126)
639)
1.200)
(1.191)
8.268)
496)
1.200)
(838)
9.774)
9.126)
79
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
31 Desember/December
2014
2013
Nilai kini kewajiban imbalan
Aset program
Defisit
Penyesuaian liabilitas program
Penyesuaian aset program
(27.768)
9.774)
(17.994)
7.301)
1.191)
(27.711)
9.126)
(18.585)
1.680)
837)
2013
12.610)
7.585)
5.553)
(1.200)
6.325)
(1.300)
16.963)
12.610)
29.
31 Desember/December 2014
Instrumen derivatif
yang dimiliki untuk
tujuan manajemen
risiko/
Derivative held for
risk management
Pinjaman yang
diberikan dan
piutang/
Loans and
receivables
Biaya perolehan
diamortisasi
lainnya/
Other amortized
cost
Jumlah nilai
tercatat/
Total carrying
amount
Nilai wajar/
Fair value
Aset keuangan:
Bank
Piutang pembiayaan
konsumen - bersih
Investasi sewa
pembiayaan - bersih
Tagihan anjak piutang
- bersih
Piutang pihak berelasi
Piutang lain-lain dan
aset lain-lain
Aset derivatif untuk
tujuan manajemen
risiko
Penyertaan dalam
saham
Financial assets:
-)
4.602)
-)
4.602)
4.602)
-)
5.065.806)
-)
5.065.806)
4.944.577)
-)
195.281)
-)
195.281)
198.315)
-)
-)
13.111)
462.589)
-)
-)
13.111)
462.589)
13.111)
462.589)
-)
56.776)
-)
56.776)
54.579)
20.002)
-)
-)
20.002)
20.002)
-)
20.002)
1)
5.798.166)
-)
-)
1)
5.818.168)
1)
5.697.776)
Liabilitias keuangan:
Pinjaman jangka
pendek dan
cerukan
Beban yang masih
harus dibayar
Utang lain-lain
Utang sewa
pembiayaan
Utang obligasi
Wesel bayar jangka
menengah
Cash in banks
Consumer financing
receivables - net
Investment in finance
leases - net
Factoring receivables net
Due from related parties
Other receivables and
other assets
Derivative assets held
for risk management
Investment in shares of
stock
Financial liabilities:
-)
-)
(1.294.383)
(1.294.383)
(1.270.353)
-)
-)
-)
-)
(22.873)
(644.343)
(22.873)
(644.343)
(22.873)
(644.343)
-)
-)
-)
-)
(517)
(2.095.458)
(517)
(2.095.458)
(511)
(2.070.452)
-)
-)
-)
-)
(413.442)
(4.471.016)
(413.442)
(4.471.016)
(456.504)
(4.465.036)
31 Desember/December 2013
Pinjaman yang
diberikan dan
piutang/
Loans and
receivables
Biaya perolehan
diamortisasi
lainnya/
Other amortized
cost
Jumlah nilai
tercatat/
Total carrying
amount
Nilai wajar/
Fair value
Aset keuangan:
Bank
Piutang pembiayaan konsumen bersih
Investasi sewa pembiayaan - bersih
Tagihan anjak piutang - bersih
Piutang pihak berelasi
Piutang lain-lain dan aset lain-lain
Penyertaan dalam saham
Financial assets:
2.867)
-)
2.867)
2.867)
5.229.340)
188.170)
8.420)
189.894)
34.987)
1)
5.653.679)
-)
-)
-)
-)
-)
-)
-)
5.229.340)
188.170)
8.420)
189.894)
34.987)
1)
5.653.679)
4.966.731)
186.387)
8.420)
189.894)
33.675)
1)
5.387.975)
Liabilitias keuangan:
Pinjaman jangka pendek dan
cerukan
Beban yang masih harus dibayar
Utang lain-lain
Utang sewa pembiayaan
Utang obligasi
Wesel bayar jangka menengah
80
Cash in banks
Consumer financing receivables net
Investment in finance leases - net
Factoring receivables - net
Due from related parties
Other receivables and other assets
Investment in shares of stock
Financial liabilities:
-)
-)
-)
-)
-)
-)
-)
(698.603)
(95.442)
(715.881)
(1.670)
(2.842.428)
(293.419)
(4.647.443)
81
(698.603)
(95.442)
(715.881)
(1.670)
(2.842.428)
(293.419)
(4.647.443)
(698.603)
(95.442)
(715.881)
(1.510)
(2.780.659)
(293.419)
(4.585.514)
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
30.
Pembiayaan
konsumen/
Consumer
financing
Pendapatan segmen
Pendapatan
Denda dan lain-lain
Penerimaan atas piutang yang telah
dihapusbukukan
segment
31 Desember/December 2014
Investasi sewa
pembiayaan
bersih/
Net investment in
Anjak piutang/
finance leases
Factoring
Jumlah/
Total
1.880.362)
227.649)
23.562))
9))
2.010)
-)
1.905.934)
227.658)
4.557)
-))
-)
4.557)
Segment income
Income
Penalty and others
Recovery of receivables
previously written-off
2.138.149)
(300.167)
-))
-)
(300.167)
(28.698)
665)
(298)
(28.331)
(328.498)
Segment expenses
Interest expense
Provision for impairment
losses on receivables
Total segment expenses
Hasil segmen
Pendapatan tidak dapat dialokasi
Beban tidak dapat dialokasi
1.809.651
)
40.098)
(520.338)
Segment results
Unallocated income
Unallocated expenses
1.329.411)
(328.669)
Laba bersih
1.000.742)
Net income
5.274.198)
854.221)
Segment assets
Unallocated assets
6.128.419)
Total assets
(4.245.859)
(346.543)
(4.592.402)
Segment liabilities
Unallocated liabilities
Total liabilities
22.398.220)
11.209)
Depreciation
Aset segmen
Aset tidak dapat dialokasi
5.065.806)
195.281)
13.111)
Jumlah aset
Liabilitas segmen
Liabilitas tidak dapat dialokasi
Jumlah liabilitas
(4.244.729)
22.234.377)
(1.130)
78.720)
-)
85.123)
Penyusutan
1)
1)
82
Pendapatan segmen
Pendapatan
Denda dan lain-lain
Penerimaan atas piutang yang telah
dihapusbukukan
31 Desember/December 2013
Investasi sewa
pembiayaan
bersih/
Net investment in
Anjak piutang/
finance leases
Factoring
Jumlah/
Total
1.652.788)
143.383)
22.474)
13)
1.529)
25)
1.676.791)
143.421)
2.803)
-)
-)
2.803)
Segment income
Income
Penalty and others
Recovery of receivables
previously written-off
1.823.015)
business
Pembiayaan
konsumen/
Consumer
financing
30.
(231.714)
-)
-)
(231.714)
(18.849)
(943)
(570)
(20.362)
(252.076)
Segment expenses
Interest expense
Provision for impairment
losses on receivables
Total segment expenses
Hasil segmen
Pendapatan tidak dapat dialokasi
Beban tidak dapat dialokasi
1.570.939)
109.806)
(437.598)
Segment results
Unallocated income
Unallocated expenses
1.243.147)
(307.866)
935.281)
Net income
5.425.929)
372.105)
Segment assets
Unallocated assets
Laba bersih
Aset segmen
Aset tidak dapat dialokasi
5.229.339)
188.170)
8.420)
Jumlah aset
Liabilitas segmen
Liabilitas tidak dapat dialokasi
Jumlah liabilitas
(4.564.160)
26.700.770)
(201)
156.384)
-)
62.055)
Penyusutan
2)
2)
83
5.798.034)
Total assets
(4.564.361)
(144.061)
(4.708.422)
Segment liabilities
Unallocated liabilities
Total liabilities
26.919.209)
12.710)
Depreciation
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
PT BCA FINANCE
30.
on
on
31 Desember/December
2014
2013
Aset
Jabodetabek
Surabaya
Bandung
Makassar
Pekanbaru
Palembang
Semarang
Karawang
Medan
Solo
Cirebon
Padang
Denpasar
Lampung
Malang
Yogyakarta
Cilegon
Manado
Sukabumi
Banjarmasin
Jambi
Pontianak
Kediri
Samarinda
Tasikamalaya
Tegal
Lain-lain (masing-masing di bawah 1%)
Jumlah aset
2.829.739)
386.335)
358.666)
164.144)
149.688)
123.044)
116.763)
115.030)
99.875)
88.444)
87.898)
86.474)
86.414)
86.001)
85.761)
84.439)
80.763)
74.681)
68.346)
62.458)
62.148)
59.234)
58.700)
57.351)
56.766)
53.962)
545.295)
6.128.419)
2.745.026)
337.664)
328.685)
141.482)
158.475)
122.584)
90.172)
107.615)
101.465)
80.181)
87.719)
98.436)
83.200)
99.656)
85.810)
75.423)
69.433)
69.741)
67.260)
79.935)
73.374)
58.059)
-)
55.733)
57.609)
53.986)
469.311)
5.798.034)
Assets
Jabodetabek
Surabaya
Bandung
Makassar
Pekanbaru
Palembang
Semarang
Karawang
Medan
Solo
Cirebon
Padang
Denpasar
Lampung
Malang
Yogyakarta
Cilegon
Manado
Sukabumi
Banjarmasin
Jambi
Pontianak
Kediri
Samarinda
Tasikamalaya
Tegal
Others (each below 1%)
Total assets
2014
Pendapatan
Jabodetabek
Surabaya
Bandung
Makassar
Pekanbaru
Medan
Palembang
Semarang
Lampung
Denpasar
Malang
Solo
Karawang
Yogyakarta
Cirebon
Padang
Banjarmasin
Sukabumi
Cilegon
Jambi
Pontianak
Manado
Tasikmalaya
Tegal
Samarinda
Kediri
Lain-lain (masing-masing di bawah 1%)
Jumlah pendapatan
84
907.412)
138.839)
107.159)
43.591)
43.633)
44.557)
43.874)
36.496)
41.509)
35.516)
32.662)
29.130)
25.308)
25.759)
25.767)
26.795)
32.165)
20.854)
-)
24.550)
-)
20.834)
-)
22.768)
-)
-)
203.643)
1.932.821)
Income
Jabodetabek
Surabaya
Bandung
Makassar
Pekanbaru
Medan
Palembang
Semarang
Lampung
Denpasar
Malang
Solo
Karawang
Yogyakarta
Cirebon
Padang
Banjarmasin
Sukabumi
Cilegon
Jambi
Pontianak
Manado
Tasikmalaya
Tegal
Samarinda
Kediri
Others (each below 1%)
NON-CASH TRANSACTIONS
The Companys non-cash transaction are
acquisition of fixed assets through foreclosed
collaterals amounted to Rp 1,103 and Rp 3,940
as of 31 December 2014 and 2013,
respectively.
Transaksi
non-kas
Perseroan
merupakan
transaksi perolehan aset tetap melalui jaminan
yang dikuasakan kembali sebesar Rp 1.103 dan
Rp
3.940
masing-masing
pada
tanggal
31 Desember 2014 dan 2013.
32.
RECLASSIFICATION OF ACCOUNTS
Certain accounts in the financial statements for
the year ended 31 December 2013 have been
reclassified to conform with the presentation of
the financial statements for the year ended
31 December 2014.
31 Desember/December 2013
Sebelum
Setelah
reklasifikasi/
reklasifikasi/
Reklasifikasi/
Before
After
Reclassification
reclassification
reclassification
LAPORAN POSISI KEUANGAN
LIABILITAS
Beban yang masih harus dibayar
Utang lain-lain
LAPORAN LABA RUGI
KOMPREHENSIF
BEBAN
Jasa profesional
Umum dan administrasi
96.032)
715.291)
23.528)
182.522)
2013
977.915)
155.144)
120.231)
51.921)
50.750)
49.745)
42.437)
40.904)
39.705)
38.112)
36.311)
31.703)
31.161)
30.367)
30.321)
29.282)
27.461)
26.804)
26.333)
25.671)
24.170)
24.068)
23.357)
23.248)
22.969)
21.464)
176.693)
2.178.247)
31.
(590)
590)
(10.680)
10.680)
STATEMENTS OF COMPREHENSIVE
INCOME
EXPENSES
Professional fee
General and administrative
33.
12.848
193.202
LEGAL MATTERS
The
Company
faces several
lawsuits,
administrative proceedings and claims relating
to the ordinary course of its business. However,
the Companys management does not expect
that the results in any of these proceedings will
have a material adverse effect on the
Companys results of operations, financial
position or liquidity.
34.
SUBSEQUENT EVENT
The Company is planning for a corporate action
through bond issue plan, that might be
conducted in the first quarter of 2015 to support
the growth of its consumer financing.
Total income
85
PT BCA FINANCE
PT BCA FINANCE
35.
a) POJK
No.
17/POJK.03/2014
tanggal
18_Nopember 2014 tentang Penerapan
Manajemen
Risiko
Terintegrasi
Bagi
Konglomerasi Keuangan
b) POJK
No.
18/POJK.03/2014
tanggal
18_Nopember 2014 tentang Penerapan Tata
Kelola
Terintegrasi
Bagi
Konglomerasi
Keuangan
c) POJK
No.
28/POJK.05/2014
tanggal
19_Nopember 2014 tentang Perizinan dan
Kelembagaan Perusahaan Pembiayaan
d) POJK
No.
29/POJK.05/2014
tanggal
19_Nopember 2014 tentang Penyelenggaraan
Usaha Perusahaan Pembiayaan
e) POJK
No.
30/POJK.05/2014
tanggal
19_Nopember 2014 tentang Tata Kelola yang
Baik Bagi Perusahaan pembiayaan
a)
b)
c)
d)
e)
POJK
No.
17/POJK.03/2014
dated
18_November 2014 regarding Application
of Integrated Risk Management for
Financial Conglomeration
POJK
No.
18/POJK.03/2014
dated
18_November 2014 regarding Application
of Integrated Governance for Financial
Conglomeration
POJK
No.
28/POJK.05/2014
dated
19_November 2014 regarding Business
Licenses and Organization of Financing
Companies
POJK
No.
29/POJK.05/2014
dated
19_November 2014 regarding Arrangement
of Multi-Finance Company Business
POJK
No.
30/POJK.05/2014
dated
19_November 2014 regarding Good
Corporate Governance for Multi-Finance
Companies
86