bjb net - Internet Banking

Mempermudah akses perbankan bjb anda secara online.

Internet Banking Corporate

Exchange Rate

Kurs per 08 June 2018 17:39 WIB
Currency Buy Sell
USD14,120.0014,210.00
EUR16,804.0016,912.00
GBP18,861.0018,893.00
AUD10,389.0010,458.00

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bank bjb has 940 service location who spread in 10 cities in Indonesia

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Product & Services
      1. i. bjb Tandamata

        Savings product issued by Company to grasp small and medium community groups, through relatively affordable initial deposit and included as participant in Company's Lucky Draw and Rp.7.500 will be charged for transaction through Bersama and Prima ATM network.

      2. ii. bjb Tandamata Berjangka

        Savings product issued by Company to grasp small and medium community groups, through relatively affordable initial deposit and included as participant in Company's Lucky Draw and Rp.7.500 will be charged for transaction through Bersama and Prima ATM network.

      3. iii. bjb Tandamata Bisnis

        Individual savings product issued by Company with facilities and information to reach individual entrepreneurs with small and medium enterprises as well as optimizing customers' business funds with various facilities including higher interest rates compared to other savings products, auto transfer facilities from Tandamata Bisnis and Giro account owned by customer.

      4. iv. bjb Tandamata Gold

        Individual savings product issued by Company with objectives to reach middle and upper class with various additional facilities including higher interest rates compared to other saving products, participated in Individual Lucky Draw, insurance protection facilities for customers who reach certain balances.

      5. v. bjb Tandamata Purnabakti

        Savings product in rupiah currency designed for customer who retired, that is used as a payment channel for retirement funds under PT. Taspen and PT. Asabri management. It provides ATM card by customer requests.

      6. vi. bjb Tandamata Dollar

        One of bank's foreign exchange savings products, available in United States Dollar (USD) and Singapore Dollar (SGD). Designed for individual, non-individual or joint account customers.

      7. vii. bjb Tandamata MyFirst

        Savings product in rupiah currency designed for individual customers whose age between 0-17 years as banking education savings from an early age for children to start learning and cultivate savings. With various benefits such as free monthly administration fees, free of charge for making a Prime Card and free cash withdrawal at all bank ATMs, Bersama and Prima ATMs in all over Indonesia.

      8. viii. Simpeda

        Regional development bank (BPD) savings in all over Indonesia with Rupiah currency that is designed for individual/non-individual customers for daily transaction needs. With various benefits such as ease of transactions through BPD networks throughout Indonesia, affordable initial deposits, fair administration fees, competitive daily interest rates, and free interaccounts transaction fees in all bank branch offices by real time online.

      9. ix. TabunganKu

        Savings product in rupiah currency, which aims to improve people's prosperity through a culture of saving. Designed for individual customers and not for Business/Legal Entities or Joint Accounts. One customer can only have one TabunganKu account in one bank for the same product, except for parents who open accounts for their children who are still under guardianship based on their relevant Family Certificate. ATM card can also provided for TabunganKu customers.

                        1. i. bjb Time Deposit

                          Third party time deposits, for both individuals and non-individuals, in rupiah currency where withdrawals can only be made at certain times based on agreements between depositors and banks. Disbursements made before maturity date will be subjected to penalty fees with no current interest being paid. Deposit placement period is 1, 3, 6, 12, 24 months. There is an Automatic Roll Over (ARO) facility, an extension on deposits that are due. Interest earned can be transferred to bank account or transferred to another bank account.

                        2. ii. bjb Suka-suka Deposits

                          Third party time deposits in rupiah currency that can be disbursed before maturity date without any penalty charge, designed for individual customers. Deposit placement period is 1, 3, 6, 12, 24 months. There is an Automatic Roll Over (ARO) facility, an extension on deposits that are due. Interest earned can be transferred to bank account or transferred to another bank account.

                        3. iii. bjb FX Deposits

                          Third party time deposits for both individuals and non-individuals or joint accounts in foreign exchanges (USD, SGD, EUR, JPY) in banks which can only be withdrawn at certain times based on agreements between depositors and banks. Deposit placement period is 1,3,6,12, month. If any disbursement made before maturity date there is no penalty fee, and current interest is not paid.

                        4. iv. bjb Deposit Discount

                          Time deposits on behalf of customers with interest payments opened, issued by banks whose proof of deposits cannot be traded. Payment of discounted time deposit interest is made when customer perform deposits transaction to the bank. Discounted deposit period is 1,3,6,12 months.

                                1. i. bjb Giro FX

                                  Transaction account with Cheque and Bilyet Giro with various foreign currencies as option (USD, SGD, CNY, EUR, JPY, AUD). Simplify your business transactions.

                                2. ii. bjb Individual Giro

                                  Transaction account with Cheque and Bilyet Giro, simplify your business transactions. Transaction convenience via ATM. Also available for joint account.

                                    1. i. bjb Back to Back Loan

                                      Multipurposes financing provided by bank to individual debtors with cash as collateral (Giro/Savings/Deposit Account).

                                    2. ii. bjb Guna Bhakti Credit

                                      Multipurposes financing provided by bank to debtors with fixed income, whose salary is channeled through bank, or company where debtor works has cooperation agreement with the bank and the source of return comes from debtor's salary.

                                    3. iii. bjb KPR

                                      Consumptive credit facility provided by bank to individual perspective Debtor to purchase or own a property (Landed House/Apartment/Shophouse/ Office House), both for new (Primary) purchases from Company Developer and Secondary purchases from non Housing Developers.

                                    4. iv. bjb Pra Purna Bhakti Credit (KPPB)

                                      Multipurposes financing provided by bank to the Civil Servants (ASN) who will retire, where the maximum debtor’s remaining tenure is 5 years.

                                    5. v. bjb Purna Bhakti Credit (KPB)

                                      Multipurposes financing provided by bank to retired debtors and retired widows / widowers where debtor's retirement benefits will or have been channeled through the bank.

                                              1. i. Bancassurance

                                              2. ii. Mutual Funds

                                                Forum to collect funds from investors who are then reinvested into securities portfolio by Investment Manager.

                                              3. iii. Financial Institution Pension Fund (DPLK)

                                                Deposit for retirees to provide income sustainability for participants and their families with affordable and flexible contributions. Participant contributions are invested in safe and profitable investment instruments.

                                              4. iv. bjb BiSA

                                                bjb BiSA is an extension of bank services, where bank cooperates with its customers as agents who can serve real time online public banking transactions using bjb EDC feature with sharing fees concept.

                                              1. i. Bahagia Buah Hati

                                                Is the best insurance and education product for your children with flexible features to add and withdraw education fund, protection and benefit of life time coverage insurance, and education fund certainty.

                                              2. ii. bahagia Optima

                                                Is a life insurance product that provides maximum protection with optimal investment results with some features such as maximum benefit of 00% of Sum Insured, flexibility in determining options and allocation of investment funds, withdrawal and addition of investment funds and payments, bonus loyalty.

                                              3. iii. Bahagia Utama

                                                Is an Insurance and Investment product to provide the best protection with some features such as Complete Protection, Life time coverage, Optimum investment returns with relatively low a

                                                        • Safekeeping services for securities and other equities related to various services, including receiving dividends, interest, and other rights, completing Securities transactions, and as customers/account holders representatives.

                                                          1. 1. Safekeeping Services

                                                            Securities/other securities deposits transacted on stock exchange or over the counter

                                                            2. Transaction handling

                                                            Customer transaction settlement services on securities transacted on the stock exchange or over the counter 

                                                            3. Corporate Action

                                                            Management of customer rights related to securities held and stored at the Custodian Bank

                                                            4. Proxy

                                                            Service that exists to represent customers as stocks and bonds securities holders in GMS or GMB

                                                            5. Report Services

                                                            Information Services in customer monthly reports

                                                             

                                                            1. Securities sale and purchase transactions, which include debt instruments, commercial securities, corporate and state bonds.

                                                                1. i. Foreign Exchange forward

                                                                  Sale/purchase transactions of a currency against other currencies with delivery of funds more than 2 (two) working days and the exchange rate will be determined once the transaction is carried out.

                                                                2. ii. Foreign Exchange swap

                                                                  Sale/purchase transactions between one currency and another carried out at the same time with the same Customer, where the transaction settlement date is different with exchange rate determined at the time of the transaction. Benefit of foreign exchange swaps is to secure foreign exchange positions from exchange rate movements through a matching cash flow mechanism and managing liquidity in two different currencies.

                                                                3. iii. Interest Rate Swap

                                                                  Interest Rate Swap (IRS) is an agreement between two parties to exchange cash flows on upcoming predetermined dates, based on pre determined number of principals within one currency.

                                                                4. iv. Cross Currency Swap

                                                                  An agreement between two parties to exchange cash flows on upcoming predetermined date based on pre-determined number of principals two different currencies.

                                                                5. v. Money Market Account Cross Currency Swap (CCS)

                                                                  An agreement between two parties to exchange cash flows on upcoming predetermined date based on pre determined number of principals within two different currencies.

                                                                6. vi. Money Market Account

                                                                  Transactions that are usually conducted on financial market where the funds owner places a number of funds with an agreed interest rate and predetermined time period for funds receiver. Money market accounts are very suitable for customers with excess amount of funds for the short term but can be used at any time for their cash flow needs. By utilizing a money market account, customers can place their funds and enjoy the interest with no worries about penalty charge if they want to make a withdrawal.

                                                                          1. Services provided to debt securities holders (investors) to become investors' representatives in debt securities’ issuance, bank bjb as Trustee participates in the process of issuing debt securities and monitors issuer's obligations against existing provisions in trustee agreement until letter of debt is due.

                                                                            1. 1. Govement Bonds

                                                                              Bonds issued and guaranteed interest&principal payments by Republic of Indonesia.

                                                                              2. Corporate Bonds

                                                                              Bonds issued and guaranteed interest & principal payments by republic of indonesia

                                                                              3. Retail Bonds (ORI)

                                                                              Goverment bonds issued specifically for individual Indonesian Citizens with minimum nominal of Rp. 5.000.000 and maximum Rp.3 billion. Similar to Government bonds, ORI guarantees interest and principal payments by the government of Republic of Indonesia.

                                                                               

                                                                              1. Foreign exchange sale and purchase services for currencies that bank provide with various benefits for customers such as providing convenience for the Customer in buying and selling foreign currencies, accepting various conditions of unlimited banknotes, competitive exchange rates and with various types of currency

                                                                                1. Bank's Dealing Room is professionally managed by reliable staffs. Business activities, which oriented to the plain vanilla product helped strengthen the exposure management structure owned by bank, so that it remained strong amid the shock of global financial crisis in 2008. The bank continues to expand its business including business development in treasury sector in managing and optimizing assets also trading activities benefits with an integrated business development strategy that has provided support for the development of safe and beneficial products for customers.

                                                                                  1. Sale and purchase transactions between one currency and another with conditions stipulated once transaction is carried out which include the type of currency traded, amount, exchange rates, agreement and delivery date. With various available currencies such as USD, EUR, GBP, AUD, JPY, SGD, HKD, SAR and CNY.

                                                                                      • Transactions with same day settlement contracts (TOD)
                                                                                      • Transactions with 1 (one) working day settlement contracts (TOM)
                                                                                      • Transactions with 2 (two) working days settlement contracts (SPOT)

                                                                                      • Credit channeling through linkage program to Rural Bank as one form of Bank bjb concrete support in loan disbursement to productive sectors through partnership between bank bjb and Rural Banks.

                                                                                        1. Credit channeling through linkage program to Cooperatives (Savings and Loans Cooperatives and Employee/Workers Cooperatives). Credit Types and Purposes of Credit Use are as follows: 

                                                                                          1. Savings and Loans Cooperatives (KSP), which aimed to finance Cooperative’s savings and loans business. 

                                                                                          2. Employees Cooperatives which aimed to finance Employee/Workers Cooperatives business in a certain institution or company. 

                                                                                           

                                                                                          1. Investment credit and/or working capital provided in order to support the implementation of Food Security and Bio-fuels Raw Material Plant Development Program. The targets of this credit facility include Farmers, Breeders, Planters, Fishermen, Fish Cultivators who are members of a group of farmers and/or cooperatives, and cooperatives engaged in food procurement.

                                                                                            1. Credit facilities from MSME services business partners, which can be enjoyed by individual entrepreneurs in productive economic sectors which are categorized as Micro, Small and Medium Enterprises (MSMEs) such as small entrepreneurs, traders, productive entrepreneurs (individuals) who are currently running their businesses for minimum 2 years.

                                                                                              1. Prospective customers who can enjoy Small and Medium Business Credit facilities from MSME Services business partners are individual entrepreneurs (including PD/UD) and Business Entities (PT, CV) in productive economic sectors which are categorized as Micro, Small and Medium Enterprises (MSMEs) such as small entrepreneurs, traders, productive entrepreneurs (individuals) who are currently running their businesses for minimum 3 years.

                                                                                                1. Credit that receives Subsidized Interest from Government with Warehouse Receipt as collateral, provided by Bank to; Farmers, Farmers Groups, Combined Groups of Farmers and Cooperatives. Warehouse Receipt is a document that provides proof of ownership of commodities stored in a warehouse, issued by Warehouse Manager.

                                                                                                  1. Credit facilities from MSME services business partners, which can be enjoyed by individual or business entity credit market segments including cooperatives with potential to be funded, such as entrepreneurs in productive sector in agriculture, food crops, plantations, livestock, fisheries and marine, forestry, industry, trade, community mining and other sectors with businesses running at least 1 year for individuals and 2 years for business entities.

                                                                                                    1. Prospective customers who can enjoy bjb Usaha Rakyat Credit facility from MSME Services business partners are individual credit market segments or Productive Business Entities in Micro, Small and Medium Enterprises in agricultural sector (food crops, horticulture plants, plantation crops, livestock) also marine and fisheries sectors to finance businesses in the field of fishing, fish farming, fish products processing and marketing with businesses running for at least 6 months.

                                                                                                        1. i. bjb Corporate Current Account

                                                                                                          Bank account with Rupiah currency that provides benefits and flexibility for customers as an entrepreneur and individual in conducting business transactions.

                                                                                                        2. ii. bjb Foreign Currency Corporate Dposite

                                                                                                          Is a time deposit in foreign currency (Forex) for Company that is safe, with attractive interest, and various other benefits. Choices of currencies are USD, SGD, EUR, JPY.

                                                                                                            1. i. bjb Corporate Chcking Account

                                                                                                              Is bank checking account in rupiah currency that gives advantages and flexibility for you as entrepreneur or individual in conducting business transaction.

                                                                                                            2. ii. bjb Foreign Exchange Koprasi Giro

                                                                                                              Bank account with a foreign currency that provides benefits and flexibility for customers as an entrepreneur and individual in conducting business transactions.

                                                                                                                1. i. Regional Loans

                                                                                                                  Credit facilities provided to Regional Government to cover the Regional Budget (APBD) deficit, financing expenses and/or lack of cash flow.

                                                                                                                2. ii. bjb General Investment Credit

                                                                                                                  Credit aimed to financing fixed assets, for rehabilitation, modernization, expansion, project relocation, pre financing and refinancing. Maximum limit given is in accordance with the needs while still considering prevailing provisions regarding the Legal Lending Limit (BMPK).

                                                                                                                3. iii. bjb Lending Working Capital

                                                                                                                  Credit facility used to pay debtors' electricity bills to PT. PLN (Persero).

                                                                                                                4. iv. bjb Short Term Credit

                                                                                                                  Short-term credit facility that gives promissory notes (promises to pay) as withdrawal medium.

                                                                                                                5. v. bjb Kredit Cash Collateral

                                                                                                                  Credit facility for corporate provided by the Bank to debtors with cash deposits as collateral.

                                                                                                                6. vi. bjb Supply Chain Financing

                                                                                                                  Credit facility provided by the bank to pay bills for suppliers.

                                                                                                                7. vii. bjb Working Capital Loan

                                                                                                                  Credit facility to finance current assets or company operational activities in accordance with debit business. Various types of working capital loans that bank bjb provides are as follows:

                                                                                                                  1. bjb Working Capital Loan for Developer

                                                                                                                  Loan facility to finance the developers in conducting construction activities for buildings and/or facilities and infrastructure procurement.

                                                                                                                  2.  bjb Construction Working Capital Loan

                                                                                                                  Loan facility to finance the contractors on working capital requirements with procurement contracts of goods/services in construction framework, consultant or other services.

                                                                                                                  3. bjb Working Capital Loan for Financing Institution

                                                                                                                  Loan facility to finance working capital requirements in financing companies, Venture Capital Companies and Infrastructure Financing Companies

                                                                                                                  4. bjb Warehouse Receipt Working Capital Loan

                                                                                                                  Loan facility to finance working capital needs in commodity trading business, and withdrawals are based on Warehouse Receipts that issued by warehouse managers.

                                                                                                                8. viii. bjb Credit To Regional Public Service Agency (BLUD)

                                                                                                                  Is a credit facility to finance working capital needs and/or BLUD investment in conducting operational activities and/or procurement of goods and/or services.

                                                                                                                                1. i. bank bjb Guarantee

                                                                                                                                  Collateral issued by the Bank to pay the Recipient of Guarantee if the guarantee breached the contract. Product features provided are bank guarantees in rupiah and foreign currencies, with maximum period of 3 (three) years and guarantee in the form of cash collateral, contra guarantee or credit facility. Various types of bank guarantees provided by the bank are as follows:

                                                                                                                                  1. Garansi Bank Penawaran
                                                                                                                                  2. Garansi Bank Pelaksanaan
                                                                                                                                  3. ? Garansi Bank Uang Muka Proyek
                                                                                                                                  4. Garansi Bank Pemeliharaan
                                                                                                                                  5. Payment Bank Guarantee
                                                                                                                                  6. General Trading Transaction Bank Guarantee
                                                                                                                                  7. Counter Appeal Bank Guarantee

                                                                                                                                2. ii. bjb Forex and Derivative Lines

                                                                                                                                  Facility for conducting Foreign Exchange transactions. With product features in Uncommitted and Advised credit lines, credit facility is given in USD and maximum credit facility period is of 1 (one) year.

                                                                                                                                3. iii. Bank's Financial Support

                                                                                                                                  Bank's Financial Support Letter is provided forcustomers who will take part in project bidding process, which is organized by the government or private institution.

                                                                                                                                    • T-samsat is a service facility that provides convenience to pay annual motor vehicle tax (PKB tax) by installments through savings account with an automatic debit mechanism once the tax is due.

                                                                                                                                      1. Visa Bank ATM/Debit Cards that can be used by customers to perform any transaction on Visa Networks worldwide via Automated Teller Machine (ATM) or at merchants that provide Electronic Data Capture (EDC) machines with Visa logo. Customers can have Visa bank ATM/Debit Card facilities by having individual deposit and/or bank giro accounts in Rupiah currency.

                                                                                                                                        1. A co-branding credit card issued by the bank in collaboration with BNI, supported by VISA, MasterCard and JCB. Credit card provides convenience for customers to conduct any banking transaction, BNI bank credit card holders will earn double benefits, besides being able to enjoy discount program created exclusively by bank bjb, customers can also enjoy features, benefits as well as promos from BNI regular credit cards.

                                                                                                                                          1. Bank cooperates with West Java Provincial Samsat Development Team that includes West Java Regional Police, West Java Regional Revenue Service (Dispenda), and PT Jasa Raharja (Persero) West Java Branch launched an electronic one-stop administration system service program (Samsat) or E-Samsat Jabar. e-Samsat Jabar is an annual Motor Vehicle Tax payment service. This e-Samsat payment service is one of the best bank services for its customers, since it’s unnecessary for customer to have long queue and wait to make conduct Vehicle Tax payments, because payments can be made at all bank ATM machines in all over Indonesia.

                                                                                                                                            1. transaction convenience to bank  customers in making easy, safe, comfortable real time mobile transactions (e-banking) at anytime and anywhere. Furthermore,  digi services have more interesting and interactive menu and features to provide convenience to customers in making transactions. Some features available on  digi services, among others, are:

                                                                                                                                              1. Internet Banking –  BJB NET 

                                                                                                                                              Every customer who deposits funds in bank bjb and own bank bjb ATM card can enjoy Internet Banking facilities ("bjb NET"). Bank Bjb Internet Banking provides convenience so that you can make transactions anytime  anywhere.

                                                                                                                                              2. SMS Banking –  SMS 

                                                                                                                                              Banking service you can use to perform banking transaction via SMS on your mobile anytime and anywhere.

                                                                                                                                              3.  Info 

                                                                                                                                              Info makes it easy for customers to gain information such as ATM with map-based locations, product knowledge also bjb NET and SMS user guidelines.

                                                                                                                                               

                                                                                                                                               

                                                                                                                                              1. BiSA is an extension of bank bjb services, where bank bjb cooperates with its customers as agents who can serve real time online public banking transactions using bjb EDC feature with sharing fees concept.

                                                                                                                                                1. Precious is the best service that specially provided to individuals who need maximum service both in terms of friendliness, convenience, comfort, security and reliability for High Net Worth Individuals with total minimum Rp.500.000.000 (five hundred million rupiah). Precious outlets are spread in various cities such as: Bandung, Serang, Jakarta, Bekasi, Tasikmalaya, Bogor, Cirebon, Kelapa Gading, Tangerang, Surabaya, Semarang.

                                                                                                                                                  1. Bank provides information services for 24/7 through bjb Call 14049 facility. Call services include providing general information related to products and services (deposits, loans, treasury), account opening, interest rates, exchange rates, bank office network locations, account balance and transactions (last 5 and book-entry transactions) also ATM card blocking.

                                                                                                                                                    1. Bank services for State Revenue Deposits from Taxpayers every working day without considering payment value. Some of the benefits provided include convenience to taxpayers in performing tax payments, available for customers and non-customers with no service charges.

                                                                                                                                                      1. Safe Deposit Box service is a rental service for assets or securities storage, specifically designed from steel material and placed in a sturdy, unloading acnd fireproof space to provide security for its users. SDB provided by banks with competitive rental rates and available in various sizes based on customer needs.

                                                                                                                                                        1. Is a rental service of deposit box for assets or valuable documents that is specially designed and placed in a strong vault to provide a sense of security to its users. The SDB provided by bank offers competitive rental rates and is available in various sizes to suit customers’ needs.

                                                                                                                                                          1. An integrated banking solution designed to help customers manage effective and efficient cash flow to increase the company profits. --bjb Cash Management Service features are as follows: 1. Account Service Electronic lectronic banking services that enable customers to access balance inquiry and other banking transactions by Real Time Online via web based application on https://cms.bankbjb.co.id/login 2. E-Tax Tax The PBB-P2 and Other Regional Tax Receipt Service (bjb E-TAX) is a Tax Payment Service for taxpayers in conducting tax payment transactions through all bank bjb channels both Office and Electronic Networks in real time online. Various types of tax that can be transacted are Central Taxes, Regional/Provincial Taxes, City/Regency Regional Taxes. 3. Payroll Service Payroll Service is a banking service for Institutional Customers to pay employee salaries through their Savings account as a medium, so that the payment process can be executed in a timely, accurate, and efficient manner. 4. Payment service for various bills is one of services that bank bjb provided generally to community through cooperation with various Billers in all over Indonesia. Payment Service that have been implemented by bank bjb are explained as follows: • bjb Edupay: Education Fee Payment Service • bjb Water Bills: Water Bill Payment Services • bjb Multifinance Payment: Multifinance Installments Payment Services • bjb Hospital Payment: Hospital Patient Bill Payment Service • bjb e-Ticket: Train and Airplane Payment Service • bjb Licensing Levy: Licensing Levy Payment Services • BPJS Employment: Payment Services for Membership Dues and BPJS Employment Participants Insurance Claims 5. Pick-Up & Delivery Service is a cash management service that helps customers manage cash withdrawals and transfers. Pick-up and Delivery Service can be done by the nearest bank Branch Office or the appointed Third Party (vendor). 6. bjb Virtual Account is an electronic banking service system provided by bank in form of corporate customer identification number, opened by the Bank at the company request to subsequently provided to its customer as Account Number with receipt (collection) purposes.

                                                                                                                                                            1. Is a banking service conducted on Saturday and Sunday. Services provided on Weekend Banking are Account Opening (savings, checking accounts, deposits), Cash Deposits, Cash Withdrawals (savings and individual checking accounts), Transfer between accounts (for individual accounts only), Information on savings accounts, checking accounts, deposits, and credit products .

                                                                                                                                                              1. Is a bank service in the form of services provided to the customers to charge bank notes withdrawn without going through clearing process. The Clearing Items used in the collection transaction consist of Checks and Bilyet Giro. Some of the benefits provided by the collection are able to be conducted throughout all Branch Offices, available to customers as well as to non-customers, and flexibility in payment for notes transaction with competitive fee.

                                                                                                                                                                1. mobile cash car service is aimed to bring bank service closer to customers. Currently, there are six mobile cash cars operating in West Java and Banten. Services provided by Mobile cash car are as follows: 1. Service via bank ATM Some services that can be accessed via ATM are as follows: Balance Information, Cash Withdrawal, Transfer between bank branch, Transfer between bank members of ATM Bersama and bank members of ATM Prima, PLN Payment, UNPAD Payment, PDAM Payment, ZISWAF Payment, Telkom Payment (Flexi, Speedy, House Phone, Telkom Vision). 2. Teller Service Cash Deposit, Cash Withdrawal, Transfer between bank branches, payment Features through teller. 3. Customer Service Providing information on bank products and services to the public, Handling customer complaints on transactions in car cash and print savings books. 4. Other Banking Services that are conducted through the main office.

                                                                                                                                                                  1. Is one type of bank services where the sending bank receives a mandate from a customer or the community to execute a remittance of an amount of money for the benefit of an individual/company/customer elsewhere. Types of Money Transfer provided by bank are as follows: a. Clearing/SKBNI (National Clearing System of Bank Indonesia) is a national scale inter-bank money transfer service in which the period of receipt of funds is in accordance with the clearing provisions of Bank Indonesia. b. BI – RTGS is a national scale inter-bank money transfer service where funds can be effectively received at the destination bank within minutes, as long as the transaction is conducted before the time limit.

                                                                                                                                                                    1. Is a means of sending and receiving money from Indonesia to overseas, overseas to Indonesia as well as inter-city in Indonesia in real time on line.

                                                                                                                                                                      1. Is a form of payment guarantee facility of all hospital bills in Singapore and Malaysia to guarantee bank customers who will perform treatment at the hospital. Hospital Guarantee benefits for the Customers include:ast Administration Process, settling interest keeps running, no exposure limit, no risk of currency exchange difference, and no charge.

                                                                                                                                                                        • Trade Finance and Services service at bank :

                                                                                                                                                                          1. Issue Letter of Credit bank  provides business transaction solutions with domestic Buyers through L/C (Letter of Credit) issuance which provides payment certainty to the Seller/Exporter and provides assurance to the Importer that payment will only be made after the documents presented are in accordance with the terms of L/C (Letter of Credit).

                                                                                                                                                                          2. Shipping Guarantee In the event that the goods have arrived at the destination port but the original document (Bill of Lading) has not been received, bank  will assist the Importer to obtain power of the goods from the shipping company by issuing Shipping Guarantee based on the L/C (Letter of Credit) opened by bank . Based on such Shipping Guarantee, the Importer can retrieve the goods from the destination port.

                                                                                                                                                                          3. Financing Against Trust Receipt (FATR) Is a short-term financing for Applicant to meet capital working needs and settlement on obligation to supplier that is due based on L/C (Letter of Credit) C or Collection. Financing will be given on a “trust” basis or a Trust Receipt as the legal document.

                                                                                                                                                                          4. Export a. Pre Shipment Financing (Pre-SF) bank  provides solutions to exporters who need funds for short-term trade financing to meet working capital needs (raw material purchase, production activity, and others) before shipment of goods related to the export schedule, which can be provided based on L/C (Letter Of Credit).

                                                                                                                                                                          b. Post Shipment Financing (Post-SF) bank  provides Post Shipment Financing which is a competitive short-term trade financing intended for exporters who have shipped goods based on of L/C (Letter of Credit).

                                                                                                                                                                          5. Documentary Collection Another service offered by bank  is to provide a billing collection service for export documents for the benefit of exporter who provides assurance to the seller/exporter to retain power over the goods/documents until payment or acceptance of draft by the importer through the bank is received.

                                                                                                                                                                          6. Transferable L/C bank  facilitates exporters acting as intermediaries (1st beneficiary of L/C) to earn profits through the exchange of invoices based on Transferable L/C (Letter of Credit). Transferable L/C can be transferred from the first recipient to one or more second recipients (2nd beneficiary). bank  will issue L/C over its Transferable L/C master.

                                                                                                                                                                          7. Bill Collection Financing and Open Account Financing Financing given by bank  to the Exporter in connection with the implementation of international trade.

                                                                                                                                                                          8. Risk Participation Transactions on sale/purchase of assets or charges between Banks and the domestic and foreign Corresponding Banks that meet the acceptance criteria, and one of the parties offers (as the Giver) and the other parties accept the offers (as Participant) to participate in risk takeover of a transaction made by Giver with a certain obliger/collectible party.

                                                                                                                                                                          9. Forfaiting A purchase without prior rights to the previous holder of a debt instrument in the form of draft, promissory notes, or other future maturities instrument based on trade of goods or services.

                                                                                                                                                                          1. Is an interbank remittance service in foreign currency within a country or with a bank in another country upon request and for the benefit of the customer. Some advantages are lexible, competitive exchange rate and cost, Fast and safe, One day Service Settlement, and serve many currencies such as AUD, EUR, GBP, HKD, JPY, SAR, SGD, USD, CNY.

                                                                                                                                                                            1. Is a guarantee to the applicant that payment will only be made after the documents presented are in accordance with the terms agreed by both parties between the beneficiary and the applicant.The funding facility for SKBDN provided by bank includes:

                                                                                                                                                                              1. Pre-Financing
                                                                                                                                                                              2. Post-Financing

                                                                                                                                                                              Contact Us

                                                                                                                                                                              bank bjb Head Office
                                                                                                                                                                              Menara bank bjb
                                                                                                                                                                              Divisi Corporate Secretary
                                                                                                                                                                              Jl.Naripan No. 12-14
                                                                                                                                                                              Bandung - 40111
                                                                                                                                                                              bank bjb Contact
                                                                                                                                                                              Telp : 022-4234868
                                                                                                                                                                              Fax : 022-4206099



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