Product & Services

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.

Benefit and Risk

Benefits

  1. Efficient, because depositor is only need to come once to the Bank to submit Time Deposit application. At maturity, Bank will automatically credit the customer account appropriate with depositor's application, unless there is changing of instruction from depositor.
  2. For depositor who's using Internet Banking, the request can be directly submitted without coming to the Bank.
  3. Depositor will receive Time Deposit Confirmation.
  4. Covered by LPS appropriate with prevailing regulation.

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

  1. If the Bank is exposed to liquidation, then there is risk for customer deposits cannot be paid in fully, but only be paid according nominally covered by the Indonesia Deposit Insurance Corporation (LPS) with the deposit interest rate according to the LPS interest rate maximum limit that has been set.
  2. If customers withdraw deposits before maturity, the risks arising are as follows:

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.


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. 

Type of Customers Minimum Deposit Amount Term : 1,3,6,12 month(s)
Corporate    USD 1,000
JPY 100,000
IDR 10,000,000
CNY 100,000
Eqv. USD 1,000 (other Ccy)
Individual Eqv. IDR 10,000,000
CNY 100,000

C. Charges

Services Charges
Cancellation  
Cancellation before maturity date No interest for that period
Cash Withdrawal  
IDR Free
Foreign Currency:
* USD ½ % (min Eqv. USD 5)
* JPY ½ % (min Eqv. USD 5)
* CNY ½ % (min Eqv. USD 5)
Exchange Our rate
Draw Down
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.

Tax
Interest is subject to withholding tax based on the prevailing regulation.

E. Terms
 
1.    1 (one) month
2.    3 (three) months
3.    6 (six) months
4.    1 (one) year