PT BCA Finance was founded in 1981 under the name PT Central Sari Metropolitan Leasing Corporation (CSML). At the beginning of its establishment, the Company's shareholders were PT Bank Central Asia and Japan Leasing Corporation. At that time, the Company was still focusing its business on commercial financing, such as financing production machines, heavy equipment and transportation.
Based on the Decree of the Minister of Finance of the Republic of Indonesia No. 441 / KMK.017 / 1995 dated 14 September 1995 and the Decree of the Minister of Finance of the Republic of Indonesia No. KEP-034 / KM.5 / 2006 dated February 20, 2006, the Company received a renewal regarding the business license in the financial institution business sector so that the Company can carry out business activities as a financing institution which includes consumer financing, leasing activities, factoring and card business. credit.
Furthermore, in 2001 PT Central Sari Metropolitan Leasing changed its name to PT Central Sari Finance (CSF), followed by a change in share ownership, where PT Bank Central Asia, Tbk (BCA) became the majority shareholder, as well as a change in business focus to motor vehicle financing. especially four or more wheels. Finally, in accordance with the Decree of the Minister of Law and Human Rights of the Republic of Indonesia No. C-08091 HT.01.04.TH.2005, as of March 28, 2005 PT Central Sari Finance has changed its nameto PT BCA Finance.
Along with the name change, BCA Finance's growth accelerated sharply. This is reflected in the increasing number of new financing releases and total assets under management significantly. This achievement is inseparable from the full support provided by our parent company, namely PT Bank Central Asia, Tbk.
In the financing sector, to date the Company is still focusing on the car financing sector. From time to time, BCA Finance continuously strives to increase the Company's market share, either by implementing the right strategy, expanding the opening of new branches or by always providing the best service to its customers . The company already has a relatively wide business network that is spread across major cities throughout Indonesia.
The company continues to build competitive strengths in order to ensure sustainable business growth
MOST COMPETITIVE PRICE , supported by a fundingstructurewith competitive interest rates. BCA Finance has always focused on providing financing funds with very competitive interest rates, both from the parent company, namely PT BCA, Tbk or from various other sources of funds. BCA Finance constantly monitors and anticipates movements in interest rates and availability of funds in the market.
OPERATIONAL EXCELLENCE , ensuring cost efficiency with high productivity and effectiveness. BCA Finance is fully aware that the management of operating costs is also a factor in determining interest rates to remain very competitive. With excellence / reliable business operations, all stakeholders and consumers are satisfied, productivity and effectiveness are high, so that costs are very efficient and in the end will greatly support the Most Competitive Price strategy being implemented.
PRUDENT ACQUISITION , sharp analysis of potential customers from two reliable sales channels. The application of comprehensive risk management from portfolio analysis, analysis of potential customers, formation of credit committees, to the selection of quality channels, namely delaer / showroom with good reputation and BCA branches is a guarantee of asset quality with high returns.
MUTUAL RELATIONSHIP , relying on all parties to ensure the resilience of growth. BCA Finance has always stated that the growth that has occurred so far is not solely the result of BCA Finance itself but is the result and support of all stakeholders, business partners and consumers. For this reason, BCA Finance never hesitates to give all of its capabilities to maintain good relationships and increase trust through satisfying services to all stakeholders , business partners and consumers.
EXCELLENT CUSTOMER EXPERIENCE THOUGH DIGITAL PROSESS , we always strive to provide extraordinary experiences to all consumers through digital processes at BCA Finance, so that consumers' needs for financing can be optimally fulfilled.