This product is third party deposit in the Bank, which it's withdrawal can only be implemented in certain time period (appropriate with the due date) refer to the agreement between Depositor and the Bank. This deposit product is using Time Deposit Confirmation as Bank Recognition to customer's Deposit and do not use Certificate of Deposit as an ownership proof of deposit.
A. Benefit and Risk
Benefits
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 changed of instruction from depositor.
For depositor who's using Internet Banking, the request can be directly submitted without coming to the Bank.
Customer will receive Time Deposit Confirmation.
Deposit is protected by Indonesian Deposit Insurance Corporation under prevailing regulation.
Risk
Market Risk
Risk occurred due to interest fluctuation.
Operational Risk
The disfunction of internal process, human error, system failure or external problem.
B. Procedures and Using Guidance
This product is not only available for Bank Resona Perdania's customer but also for non-customer. There is no certificate as the ownership proof on this deposit product. Time Deposit Confirmation is used as recognition from the Bank for customer's deposit.
Due date of Script Less Time Deposit is refer to bussiness day, if unscheduled holiday occured, due date will fall on the next bussiness day.
Minimum Deposit.
Deposit Currency
Deposit
Type of Customers
Rupiah (IDR)
Min. IDR 10,000,000.-
Min. IDR 10,000,000.-
Corporate
Personal
US Dollar (USD)
Min. USD 1,000.-
Min. eqv. IDR 10,000,000.-
Corporate
Personal
Japanese Yen (JPY)
Min. JPY 100,000.-
Min. eqv. IDR 10,000,000.-
Corporate
Personal
Other Currency
Min. eqv. USD 1,000,-
Min. eqv. IDR 10,000,000.-
Corporate
Personal
C. Costs
Services
Cost
Cancellation
Cancellation Before maturity date
Free
Cash Withdrawal
Rupiah Time deposit
Fcy Time Deposit
Free
Our Rate
Draw down
Booked on another internal account
Booked on other bank account
Free
LLG or RTGS cost
Stamp Duty
IDR 6,000.-
Interest Calculation Mode
Gross Interest = Nominal x Interest rate x Days / 360 Days
Net Interest = Gross Interest - Tax
D. Interest and 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 Deposit interest will not paid by the Bank if deposit is withdrawn before maturity date.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.
E. Terms
1. Minimum period is 1 (one) day
2. 1 (one) month
3. 3 (three) months
4. 6 (six) months
5. 1 (one) year
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