BANK RESONA PERDANIA

Interbank payment transaction can be done through:

I. National Clearing System of Bank Indonesia (SKNBI) is Bank Indonesia Clearing System, which covers Debit and Credits Clearings in which the final settlement has been executed in national basis.

Clearing is exchange of documents or exchange of electronic financial data among clearing participants either for their own behalf ot on behalf of their customers in which the result of its settled in a designated time.

Debit Clearing is the activities in the SKNBI for debit transfer and Credit Clearing is the activities in the SKNBI for credit transfer.

II. Bank Indonesia Real Time Gross Settlement System (BI-RTGS) is a system for electronic fund transfer among Participans in Rupiah currency with settlement processed in real time on an individual per transaction basis.

A. Benefit and Risk

Benefit

1. Quick.

2. Easy and safe.

Risk

Operational Risk
The dysfunction of internal process, human error, system failure or external problem.

B. Charges

Charges for SKNBI and BI-RTGS are as follows:

Services		Charges
LLG/ Inkaso (excluding other Bank charge)	Counter *	IDR 5,000/item
LLG/ Inkaso (excluding other Bank charge)	Internet Banking	IDR 3,000/item
RTGS	Counter *	IDR 20,000/item
RTGS	Internet Banking	IDR 15,000/item
Returned Cheque		IDR 150,000/item

Information

Fees charged by Bank Indonesia to Bank RTGS participants are :

- For transaction until 03.00 pm IDR 7,000,- per transaction.

- For transaction above 03.00 pm is IDR 15,000,- per transaction.

Fees charged by Bank Indonesia to Bank SKNBI participants are :

- For Debit Clearing Transaction is IDR 1,500,- per transaction.

- For Credit Clearing Transaction is IDR 1,000,- per transaction.

* Bank’s Fee is subject to 10% VAT for Walk-in-Customer