Lending Products: Fueling Economic Growth
Banks act as a bridge, channeling funds from those with excess funds (surplus units) to those in need (deficit units).
Financing Loans: These facilities cover personal needs such as Unsecured Loans (KTA) and Home Ownership Loans (KPR), as well as large-scale financing such as working capital loans for corporations. In the era of globalization, these loans are available not only in local currency but also in foreign currencies.
Credit Cards: Serve as a flexible non-cash payment instrument. This product is a form of short-term debt that provides customers with a certain limit for transactions on a global network, complete with various loyalty programs and shopping protection.
Banking & International Services: A Borderless Bridge
To support people’s mobility and international trade, banks provide operational services that ensure transactions are secure and efficient.
International Transfers & Foreign Exchange: Remittance and foreign exchange services that enable individuals and companies to send funds quickly across borders.
Letter of Credit (L/C): In the world of imports and exports, an L/C is a crucial instrument. It is a guarantee from a bank that ensures the seller (exporter) will receive payment for investments or goods as long as they can present valid shipping documents.
Bancassurance: A strategic collaboration between the banking and insurance industries. Through this product, customers can obtain life or health protection along with investment elements in one service.
Safe Deposit Box (SDB): A physical protection service in the form of a special fire-resistant safe deposit box with a multi-layered security system. SDBs are used to secure government documents, land certificates, jewelry, or other valuable assets.
