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.
A. Benefit and Risk
Benefits
- As a facility for a relatively safe investment because it is guaranteed by the Indonesia Deposit Insurance Corporation (LPS) in accordance with applicable regulations.
- As a facility to maintain customer's financial stability.
- An interest rate that is greater than the current account product.
- Deposits can be used as a loan guarantee.
- Flexibility in payment of deposit interest (can be recorded in the customer's account and transferred to another bank).
Risk
- Market Risk
Risk occurred due to market interest fluctuation. - Operational Risk
The dysfunction of internal process, human error, system failure or external event. - Risk For Customers
- If the Bank subject to liquidation, then the customer deposits funds cannot fully paid, but only be paid according amount covered by the Indonesia Deposit Insurance Corporation (IDIC / LPS), with the deposit interest rate according to the specified LPS maximum interest rate.
- If customers withdraw deposits before maturity, the risks arising are as follows:
a. Not received an interest (for deposit interest that has not been paid yet);
b. Deduction the principal amount of deposits as much as the interest paid (for deposits interest that already paid)
B. Procedures and Using Guidance
The maturity of Time Deposit is refer to business day, if the maturity is in holiday period, the maturity will apply on the next business day (in the same month).
| Time Deposit | Minimum Initial Deposit |
|
Minimum Initial Deposit |
Refer to the Fees and Charges |
C. Charges
| Services | Charges |
| I. Opening | |
| Stamp Duty | Rp6.000 |
| II. Closing / Withdrawal (before maturity or at maturity) | |
| a. Cash Withdrawal | |
|
Free |
|
|
| * USD | Refer to the Fees and Charges |
| * JPY | |
| * CNY | |
|
Bank rate |
| b. Transfer Account | |
| Booked on another internal account: | |
| * Same currency | Free |
| * Currency exchange | Bank rate |
| c. Transfer | |
| Transfer to other Bank account | LLG or RTGS charge or T/T rate (Remittance) |
| d. Stamp Duty *) | IDR 6,000 |
*)for certain condition
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 and paid in accordance with the the interest payment method. 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 (one) month
- 3 (three) months
- 6 (six) months
- 12 (twelve) months
F. Additional Information
Terms and conditions for this service are listed on the Deposits Account Opening Form.