With various types of deposits offered, Bank Resona Perdania Deposit provides security and a better way for your investment. Deposit in our Bank does not use Certificate of Deposit, only use Deposit Confirmation. This product is third party deposit in the Bank, which its withdrawal can only be implemented in certain time period (appropriate with the due date) refer to the agreement between Depositor and the Bank.
A. Benefit and Risk
1. Market Risk
Risk occurred due to market interest fluctuation.
2. Operational Risk
The dysfunction of internal process, human error, system failure or external problem.
3. Risk For Customers
a. Fines / penalty
b. Interest is not paid in accordance with the deposit rate which has been set at the initial.
c. Interest rate offered is lower than the rate set in the beginning.
Currently, PT Bank Resona Perdania applies point 2.b. If interest paid it has to get approval from the Board of Directors of the Bank.
B. Procedures and Using Guidance
Due date of Time Deposit is refer to business day, if unscheduled holiday occurred, due date will fall on the next business day.
|Time Deposit||Minimum Deposit Amount|
Minimum Deposit Amount Term :
(1, 3, 6, 12 month)
|Eqv. USD 10,000 (other Ccy)|
|Cancellation before maturity date||No interest for that period|
|* USD||½ % (min Eqv. USD 5)|
|* JPY||½ % (min Eqv. USD 5)|
|* CNY||½ % (min Eqv. USD 5)|
|Booked on another internal account:|
|* Same currency||Free|
|* Exchange||Our rate|
|Booked on other Bank account||LLG or RTGS charge or T/T rate|
|Stamp duty||IDR 6,000|
D. Interest and Tax Calculation
Interest Calculation Method
Gross Interest = Nominal x Interest rate x Days / 360 Days
Net Interest = Gross Interest - Tax
Interest calculated by effective interest rate calculation method paid on due date of Time Deposit. Deposit interest will not paid by the Bank if deposit is withdrawn before maturity date.
Interest is subject to withholding tax based on the prevailing regulation.
1. 1 (one) month
2. 3 (three) months
3. 6 (six) months
4. 1 (one) year