Citibanking

Citibanking Overview
Citibanking is here to answer your needs for world class banking services with three main pillars: World class products, knowledge, and global access Simply call us at 252-9999 or visit our offices.
Citibanking requires IDR 50 millions in relationship balance invested in either savings, deposits, or mutual fund

World Class Products
Citibank provides you with comprehensive and innovative products to meet your need. From the traditional banking accounts to insurance to mutual funds, Citibank has the products to give you an integrated total financial solution be it in rupiah or other major currencies

Our products includes:
Multi currency deposits
Dual currency deposits
Mutual funds
Signature cash plus
Citibank regular investment plan

Simply call us at 252-9999 or visit our branches Citibanking requires IDR 50 millions in outstanding balance, deposits, or mutual fund.

World Class Knowledge
Each individual has a very specific financial needs and goals. Hence, we are going to help you to formulate a customized financial management strategy to help you achieve your dreams. Personal bankers to guide you on your investment journey
Our experienced personal banker will help you to recommend a customized solution according to your business need and risk appetite. Our personal banker will continually inform you of the latest financial market situation and development.

Citipro financial checkup
Completing the simple CitiPro process, CitiPro will give you a better perspective in realizing your financial target.

Simply call us at 252-9999 or visit our branches Citibanking requires IDR 50 millions in outstanding balance, deposits, or mutual fund.

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STOCK TRADING MECHANISM IN IDX

All transactions in the Exchange are processed in a facility called as JATS. Only the Exchange Members, who also become the members of the Indonesian Clearing and Guarantee Corporation (KPEI), can input the orders into the JATS. The Exchange Members are responsible for every transaction they make in the Exchange.

Exchange Members have the responsibility to settle all the transactions they've made, as stated in the Exchange Transaction List (DTB), including the transactions that occur because of:

• the errors made by the supporting equipment or Remote Trading applications of the Exchange Member, except for the errors made by the JONEC software that was provided by the Bourse; and/or
• the mistakes caused by the carelessness of the traders when inserting the purchase and sell orders into the JATS; and/or
• the mistakes caused by the carelessness of the IT Officer-RT when operating their supporting equipments or applications; an/or

the invalid access into the Exchange Member’s supporting equipments or applications.

Market Segmentation

• Regular Market;
• Cash Market;
• Negotiated Market.

Pre-Emptive Rights are traded only on the first session of the Cash and Negotiated Market.


Trading Hours

Securities Trading in Regular, Cash and Negotiation Markets are opened during the trading hours on every business day by reffering to the JATS Timer.

Reguler Market

Day	Session I	Session II
Monday - Thursday	09:30 - 12:00 WIB	13:30:00 - 16:00 WIB
Friday	09:30 - 11:30 WIB	14:00:00 - 16:00 WIB

Cash Market

Day	Time
Monday - Thursday	09:30:00 - 12:00:00 WIB
Friday	09:30:00 - 11:30:00 WIB

Pre-Opening Session

Pre-opening session in Regular Market is opened every Exchange Day:

Time	Agenda
09:10:00 - 09:25:00 WIB	The Exchange Members input the buying and selling orders.
09:25:01 - 09:29:59 WIB	JATS processes the pre-opening price forming and allocates every done transaction.

Purchase and Sell Orders

Exchange Members can only execute limit orders, or orders entered at a specified limit price set by their clients.

All purchase and sell orders on securities other than the pre-emptive rights can only be executed by the brokers in the Regular Market, except if their client has specifically instructed them or agreed on paper that their orders should be executed at the Cash or Negotiated Markets.


Trading Unit and Price Step (Step Value)

Trading Unit

Stock trading at the Regular and Cash Market have to be in a round lot of 500 (five hundred) unit or its multiply, while the stock trading at the Negotiated Market does not have to be in a round lot.

Price Step

Price	Step Value	Maximum Price Step *
<>	Rp 1	Rp 10
Rp 200 to <>	Rp 5	Rp 50
Rp 500 to <>	Rp 10	Rp 100
Rp 2,000 to <>	Rp 25	Rp 250
> Rp 5,000	Rp 50	Rp 500

Note
* The maximum price step is 10 times of the step value, should be below the limit of Auto Rejection, and is not valid on the pre-opening.

Stock step value and its maximum price step are valid for one entire trading day and will be adjusted on the next day if its closing price falls on a different price range. The maximum price step should not exceed the percentage of Auto Rejection limit.

Auto Rejection

The price of bids and asks input into the JATS should be in a certain price range. If a Broker inputs a price beyond the stock's price range, the JATS will automatically reject the stock order.

Auto Rejection Percentage:

Price Group	Auto Rejection Precentage
Price < Rp 100	50%
Rp 100 <>< Rp 500	35%
Rp 500 <>< Rp 2,500	30%
Rp 2,500 <>< Rp 5,000	25%
Price > Rp 5,000	20%

The bids and asks of a stock should be based on:

• its previous price;
• its pre-opening price, if the stock has formed a pre-opening price;
• its theoretical price, if the stock is traded in a Bourse that is conducting a Corporate Action;
• its initial price, if the stock is listed for the first time in the Exchange;
• its proper price determined by an independent party, if the stock is of a Public Company or other Bourse.

Auto rejection limit of a newly listed stock in the Exchange (on its first day) is twice of the parameter above.

Pre-Opening Session

Stock trading at the Regular Market starts with a Pre-opening session. This session allows Exchange Members to input their purchase and sell orders according to the provisions of the stock unit, step value and Auto Rejection limit.

The Pre-opening price is formed from the accumulation of the total highest bids and asks matched by the JATS during the Pre-opening session.

All bids and asks that have not been matched during the pre-opening session will be processed in the first session of the trading day, except if the price of the bids and asks has excel the Auto Rejection limit.


Regular Market

The bids and asks will be processed by the JATS by considering:

1. Price priority
Higher bids have more priority than lower bids. On the contrary, lower asks
have more priority than higher asks.
2. Time Priority
If the bids and asks are on the same price, JATS will give priority to the first
submitted bids and asks.

Reduction on the number of purchase or sell order processed into the JATS will not cause time priority lose. On the other hand, addition on the number of purchase or sell order processed into the JATS will be treated as a new order. Stock trading in the Regular and cash Market will occur and bind when JATS matches the sell and purchase orders.

Negotiated Market

In Negotiated Market, prices of each security are bargained out between:

• Exchange Members
• Investor and one Exchange Member
• Investor and Exchange Members
• Exchange Members and the Indonesian Clearing and Guarantee Corporation (KPEI)

The results of the negotiation will be processed through the JATS.

The Exchange Members can submit their bids and asks through the ad board, and they can change or cancel them before they are matched with other bids and asks in the JATS. Once they are matched, a transaction is made and will be carried out.

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Bank Bumiputera expands Network of Branch Office

PT. Bank Bumiputera Indonesia, Tbk opened its 67th branch in the city of Makassar on 14th July 2008. The soft opening was graced by Bapak Legiman Leidin, Director of Business Banking.

“PT. Bank Bumiputera is ready to serve the community in Makassar and more specifically its business people with its full range of professional banking services”, said Legiman Leidin. He added that Makassar has been identified as a potential growth area in view of its economic development. The Bank will continue to support its business community in commerce and industry focusing on retail and small medium enterprises and thus contributing to the economic growth of Makassar.

PT Bank Bumiputera Tbk. total deposits recorded an increase of 20.2% to Rp5.58 trillion in the first quarter ended 2008 compared to Rp4.65 trillion in 2007 while total credit increased by Rp592.33 billion to Rp5.03 trillion. The opening of the new branch in Makassar is expected to significantly contribute to the Bank’s performance in its loans and deposits base.

PT. Bank Bumiputera Tbk. will continue to implement its strategic initiatives in line with its 2008 Business Plan such as expanding its branches network in towns with growth potential, upgrading its IT system and development of new products and services. The Bank is committed to its slogan “BANK SAHABAT KELUARGA” by providing friendly and convenient services to its customers in areas that it serves.

PT Bank Bumiputera Tbk. is a member of the ICB Banking Group which also operates in other parts of Asia and Africa.

Address at Makassar Branch Office is as follows:
Ruko Bulusaraung Square Blok A No. 6 & 6A
Jl. Gunung Bulusaraung
Gaddong, Makassar 90157
South Sulawesi
Tel. (0411) 365 1551
Fax. (0411) 365 1552

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About Arta Graha Bank

Vision
Our specialized services lead the markets segments we are in. Our growth shall be from strength to strength.
Mission

We are a great team, who enjoys delighting our customers by delivering great services. We are committed to be the best, producing great results always.

PT Bank Artha Graha Internasional Tbk. in Brief The Company originated from a Non-Bank Financial Institution with the name PT Inter-Pacific Financial Corporation, that was established on 7 September 1973, as a joint venture company among: PT Bank Rakyat Indonesia (PERSERO) – Jakarta, INDONESIA; Continental Bank S.A./NV. Brussels – BELGIUM; The Sanwa Bank Ltd. – Osaka, JAPAN and Credit Commercial De France S.A. – Paris, FRANCE. During the course, the Company changed the status and function to Joint Venture Bank on 24 February 1993, being active in commercial banking business, and named PT Inter-Pacific Bank.

Five years later, on 1 July 1998, the Bank changed the name to PT Bank Inter-Pacific Tbk. On 23 December 2003, Bank Indonesia issued the permit to take over 99.11% shares of the Bank to the Consortium of PT Bank Artha Graha and PT Cerana Arthaputra. On 14 April 2005 the Extraordinary Shareholders Meeting of PT Bank Inter-Pacific Tbk. agreed on the merger of PT Bank Artha Graha and PT Bank Inter-Pacific Tbk. On 15 June 2005 Bank Indonesia approved the merger of PT Bank Artha Graha and PT Bank Inter-Pacific Tbk. On 11 July 2005 the merger of Bank Artha Graha and PT Bank Inter-Pacific Tbk was effective, and on 14 July 2005 (under the decree of Minister of Law and Human Rights No. C-19621 HT.01.04.TH2005) the name was changed to PT Bank Artha Graha Internasional Tbk

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Bank NISP

Brief History

Sixty-seven years ago - on April 4, 1941 to be precise -- Bank NISP was established in Bandung, West Java, under the name NV Nederlandsch Indische Spaar En Deposito Bank. Bank NISP is the fourth oldest bank in Indonesia and initially operated as a savings bank. In 1967 the bank's status was changed to that of a commercial bank. In 1972, Bank NISP entered into a financing and technical assistance agreement with Daiwa Bank of Japan through Bank Daiwa Perdania, which was the first joint venture bank in Indonesia. On 27 June 1974, Bank NISP became a shareholder in Bank Perdania, in which as of 31 March 2002 Bank NISP has 19.92% share. In March 2003, the Daiwa Bank, Limited, and the Asahi Bank, Limited, merged, and reorganized into Resona Bank, Limited, and Saitama Resona Bank, Limited, to establish "The Resona Holdings, Inc." In connection with the merger, the bank's name has been changed from PT Bank Daiwa Perdania to PT Bank Resona Perdania. However, the Extraordinary General Shareholders Meeting in 2005 has decided to sell Bank NISP's entire shareholding in PT Bank Resona. The sale of the 19.92% shareholding ( 567,777 shares ) was intended to maximize Bank NISP's earning assets structure by shifting the investment to the real sector. Bank NISP's status was upgraded in 1990 when the bank became a foreign exchange bank. In line with this, confidence in Bank NISP from several international institutions continued to grow. EXIM Bank of Japan and Netherlands Development Finance Company (FMO) both used Bank NISP to channel their longterm soft loans to small- and medium-sized enterprises. In addition, Bank NISP also participated in USAID's loan guarantee portfolio program from the United States. Bank NISP became a public bank on October 20, 1994, listing its shares on the Jakarta Stock Exchange. In 1995 and 1996, Bank NISP was awarded ISO 9002 certification for its Treasury and Financial Institutions division as well as its Head Office division. Bank NISP was the first bank in the Asean region to apply international quality standards. In January 2000, Bank NISP's ISO 9002 certification was upgraded to ISO 9001-1994 and there was a further upgrade to ISO 9001-2000 certification in 2001. At the beginning of 1997, together with Singapore's third largest banks the Oversea-Chinese Banking Corporation (OCBC), Bank NISP established a joint venture bank called Bank OCBC-NISP. Following the acquisition of PT Bank Keppel TatLee Buana by PT Bank OCBC-NISP in February 2002, the name of PT Bank OCBC-NISP was changed to PT Bank OCBC Indonesia. In 2002, Bank NISP divested its share in the bank from 15% to 1.33%. In the same year, Bank NISP became the first bank in Indonesia to receive longterm bilateral loans directly from the International Finance Corporation (IFC), a member of the World Bank Group. Then at the beginning of 2001, the IFC became a shareholder in Bank NISP, taking a 9.6% share through Rights Issue II and changing the loans that it had already provided into subordinated loans amounting to USD 5 million. Following this, a second investment was made through rights issue III, totaling Rp 31.56 billion and USD 5 million through the execution of the compensation for the above loans, which was carried out in July 2002. By 2005 Bank NISP held its 4th rights issue which raised a total of Rp 601.5 billion. As of 30 September 2005, the IFC officially owns a 7.17% stake in Bank NISP. The economic crisis that struck Indonesia in mid-1997 and rapidly deteriorated into a banking crisis forced the government to introduce a recapitalization program to rescue Indonesia's banking sector. Under this program, Bank Indonesia classified Bank NISP as an 'A' bank, indicating that the bank's capital structure was strong enough to exclude it from the bank recapitalization program, which was essentially aimed at strengthening capital. In 1999, while the majority of Indonesian banks were involved in internal recovery activities, Bank NISP went ahead and launched a repackaged Home Ownership Loan product called 'KPR Merdeka' (Independence Home Ownership Loans). The unique feature of this product is the loan approval process, which takes only five working days as from when all data have been received. This product received a very warm welcome from members of the public who had anxiously been awaiting bank loans to help them pay for their homes in the midst of the economic crisis. With the support of more than 5,300 employees, over 352 offices and 20,000 ATMs (including the "ATM Bersama" and ATM BCA network ) spread throughout Indonesia and also OCBC Bank's ATMs in Singapore, and BankCard in Malaysia Bank NISP continues to grow and develop without forgetting the importance of providing quality service to its customers. In the international domain, trust to Bank NISP has become more concrete, OCBC Bank Singapore, one of the biggest banks in the Southeast Asia, came in as a shareholder of NISP since April 2004. With the 72.40% share ownership by the end of 2007, OCBC Bank is the biggest institutional shareholder of Bank NISP, which actively supports Bank NISP’s growth and development to be the world-class standard bank.

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Bank Muamalat

Product for the Creditor (Shahibul Maal)
"Ummat Saving (Tabungan Ummat) is a Syariah (The Moslem Law) way of investment that enable you to deposit or withdrawal your cash money easily."
Benefit and Facilities :
ATM Card: 24 Hours Accessibility to more than 8800 ATM network, including BCA and ATM Bersama, all over Indonesia.
Can be used as a debit card to shop in more than 18000 merchant of BCA Debit card.
Interesting monthly profit sharing, will be added automatically to your saving account.
Real-time online system.
24 Hours Phone Banking, facility include: inquiry, transaction history, PIN Changing, transferring to another account, ZIS Payment.
Tithe Payment Auto-debit system.
Monthly Bills Payment Auto-Debit System (Phone Bill, Electricity, Mobile Phone, etc.)
Requirements :
Initial Deposit is Rp. 500.000,-
Minimum Deposit is Rp. 250.000,-
A Copy of ID Card.
Card Emboss Fee Rp. 7.500,-
Free Monthly fee (Balance Rp. 2.000.000,- will be charged Rp. 5.000,- per Month).
* ATM Bersama Members include: BNI, BRI, DANAMON, NIAGA, BUKOPIN, MEGA, PERMATA, NISP, BUMIPUTERA, DKI, JABAR, JATIM, SULSEL, KALTIM, KELSEL, IFI, BTPN, SWADESI, MAYAPADA, PRIMA EXPRESS, NUSANTARA PARAHYANGAN, STANDARD CHARTERED, ABN-AMRO, COMMONWEALTH BANK.

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BII

Sekilas BII PT Bank Internasional Indonesia Tbk (BII) didirikan pada tanggal 15 Mei 1959 dan memperoleh status bank umum devisa pada tahun 1988 serta mencatatkan sahamnya di Bursa Efek Jakarta dan Bursa Efek Surabaya pada tahun 1989 melalui penawaran umum saham perdana (initial public offering). Sejak itu BII terus berkembang menjadi salah satu bank swasta nasional terkemuka di Indonesia dengan visi “Menjadi Bank Terbaik di Indonesia yang Menyediakan Layanan Nasabah dan Produk Inovatif Berkelas Dunia”.
Pada bulan Desember 2003, Konsorsium Sorak mengambil alih saham Bank sebesar 51%, melalui suatu proses penjualan kompetitif yang diselenggarakan oleh Badan Penyehatan Perbankan Nasional (BPPN). Anggota konsorsium Sorak terdiri dari Asia Financial Holdings Pte. Ltd, Kookmin Bank, ICB Financial Group Holdings Ltd dan Barclays Bank PLC.
BII adalah salah satu bank terbesar di Indonesia dengan jaringan internasional yang memiliki lebih dari 230 cabang dan 700 ATM di seluruh Indonesia serta tergabung dalam jaringan ATM ALTO dan CIRRUS. BII menyediakan serangkaian jasa keuangan melalui kantor cabang dan jaringan ATM, phonebanking dan internetbanking serta aktif di sektor UKM/Komersial, Konsumen dan Korporasi. BII menyediakan produk dan jasa untuk perusahaan berskala menengah dan komersial serta menyediakan kepada individu produk-produk kartu kredit, KPR, deposito, kredit otomotif, pinjaman dan layanan perbankan prioritas. Sedangkan layanan untuk nasabah korporasi adalah trade finance, cash management, pinjaman, kustodian dan foreign exchange

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Profil Bank JATIM

Bank Pembangunan Daerah Jawa Timur, yang dikenal dengan sebutan Bank JATIM, didirikan pada tanggal 17 Agustus 1961 di Surabaya. Landasan hukum pendirian adalah Akte Notaris Anwar Mahajudin Nomor 91 tanggal 17 Agustus 1961 dan dilengkapi dengan landasan operasional Surat Keputusan Menteri Keuangan Nomor BUM.9-4-5 tanggal 15 Agustus 1961.
Selanjutnya berdasarkan Undang-Undang Nomor 13 Tahun 1962 tentang Ketentuan Pokok Bank Pembangunan Daerah dan Undang-Undang Nomor 14 Tahun 1967 tentang Pokok-Pokok Perbankan, pada tahun 1967 dilakukan penyempurnaan melalui Peraturan Daerah Propinsi Daerah Tingkat I Jawa Timur Nomor 2 Tahun 1976 yang menyangkut Status Bank Pembangunan Daerah dari bentuk Perseroan Terbatas(PT) menjadi Badan Usaha Milik Daerah(BUMD).
Secara operasional dan seiring dengan perkembangannya, maka pada tahun 1990 Bank Pembangunan Daerah Jawa Timur meningkatkan statusnya dari Bank Umum menjadi Bank Umum Devisa, hal ini ditetapkan dengan Surat Keputusan Bank Indonesia Nomor 23/28/KEP/DIR tanggal 2 Agustus 1990.
Untuk memperkuat permodalan, maka pada tahun 1994 dilakukan perubahan terhadap Peraturan Daerah Nomor 9 Tahun 1992 tanggal 28 Desember 1992 menjadi Peraturan Daerah Propinsi Daerah Tingkat I Jawa Timur Nomor 26 Tahun 1994 tanggal 29 Desember 1994 yaitu merubah Struktur Permodalan/Kepemilikan dengan diijinkannya Modal Saham dari Pihak Ketiga sebagai salah satu unsur kepemilikan dengan komposisi maksimal 30%.
Dalam rangka mempertahankan eksistensi dan mengimbangi tuntutan perbankan saat itu, maka sesuai dengan Rapat Umum Pemegang Saham Tahun Buku 1997 telah disetujui perubahan bentuk Badan Hukum Bank Pembangunan Daerah menjadi Perseroan Terbatas. Berdasarkan Pasal 2 Peraturan Menteri Dalam Negeri Nomor 1 Tahun 1998 tentang Bentuk Badan Hukum Bank Pembangunan Daerah, maka pada tanggal 20 Maret 1999 Dewan Perwakilan Rakyat Daerah (DPRD) Propinsi Daerah Tingkat I Jawa Timur telah mensahkan Peraturan Daerah Nomor 1 Tahun 1999 tentang Perubahan Bentuk Hukum Bank Pembangunan Daerah Jawa Timur dari Perusahaan Daerah (PD) menjadi Perseroan Terbatas (PT) Bank Pembangunan Daerah Jawa Timur.
Sesuai dengan Akte Notaris R. Sonny Hidayat Yulistyo, S.H. Nomor 1 tanggal 1 Mei 1999 yang telah ditetapkan dengan Surat Keputusan Menteri Kehakiman Nomor C2-8227.HT.01.01.Th tanggal 5 Mei 1999 dan telah diumumkan dalam Berita Negara Republik Indonesia tanggal 25 Mei 1999 Nomor 42 Tambahan Berita Negara Republik Indonesia Nomor 3008, selanjutnya secara resmi menjadi PT. Bank Pembangunan Daerah Jawa Timur.

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History of Indonesia Stock Exchange

The capital market in Indonesia has actually exist long before the Independence of Indonesia. The first stock exchange in Indonesia was established on 1912 in Batavia during the Dutch colonial era. At that time, the Exchange was established for the interest of the Dutch East Indies (VOC).
During those era, the capital market grew gradually, and even became inactive for a period of time due to various conditions, such as the World War I and II, power transition from the Dutch government to Indonesian government, etc.
Indonesian government reactivated its capital market in 1977, and it grew rapidly ever since, along with the support of incentives and regulations issued by the government.
Below is the brief history of Indonesia Stock Exchange:

December 14, 1912
The first Stock Exchange in Indonesia was built in Batavia (currently known as Jakarta) by the Dutch East Indies.
1914 – 1918
The Batavia Stock Exchange was closed during the World War I.
1925 – 1942
The Batavia Stock Exchange was re-opened, and new stock exchanges were established in Semarang and Surabaya.
Early 1939
Due to the political issues on World War II, the stock exchanges in Semarang and Surabaya were closed.
1942 – 1952
Jakarta Stock Exchange (JSX) was re-closed during the World War II.
1952
JSX was re-activated by the issue of the Capital Market Emergency Regulations 1952 by the Minister of Justice of Indonesia (Prof. Dr. Sumitro Djojohadikusumo). The only product traded in the Exchange at that time was the Indonesian Government bond (1950).
1956
Due to the nationalism programs on Dutch’s companies by the Indonesian Government, JSX became stagnant.
1956 – 1977
During this period, JSX became inactive.
August 10, 1977
The Exchange was re-activated by the President Soeharto. It was supervised under the management of the Capital Market Supervisory Agency (Badan Pengawas Pasar Modal, or BAPEPAM). The re-activation of the capital market was also marked by the go public of PT Semen Cibinong as the first issuer listed in the JSX. July 10th is celebrated as the anniversary of the Capital Market in Indonesia.
1977 – 1987
The activity of stock trading in JSX was dull. There were only 24 listed companies in JSX. Most people prefered to invest their money in Banks rather than the Capital Market.
1987
PAKDES 87 (December Package 1987) was issued to give ways for companies to go public and foreign investors to invest their money in Indonesia.
1988 – 1990
Deregulations packages in Banking and Capital Market were made. JSX welcomed foreign investors. The activities of JSX were improving.
June 2,1988
Indonesia Pararel Bourse started to operate and managed by the Securities and Money Trading Organization. It consisted of brokers and dealers.
December 1988
The government issued PAKDES 88 to give ways for companies to go public, and some other regulations that brought positive impacts on the capital market growth were made.
June 16, 1989
Surabaya Stock Exchange started to operate and was managed by the Surabaya Stock Exchange Inc.
July 13, 1992
JSX was privatized, and as a result, the functions of BAPEPAM changed to become the Capital Market Supervisory Agency (BAPEPAM-LK). This date is celebrated as the anniversary of Jakarta Stock Exchange.
May 22, 1995
JSX introduced its computerized Jakarta Automatic Trading System (JATS).
November 10, 1995
The Government of Indonesia issued Regulations No. 8 year 1995 on capital market. This regulation was effective on January 1996.
1995
Indonesia Pararel Bourse was merged into Surabaya Stock Exchange.
2000
Scripless trading system was introduced for the first time in Indonesia’s Capital Market.
2002
JSX started to implement the remote trading system.
2007
Surabaya Stock Exchange was merged into Jakarta Stock Exchange. As a result, JSX changed its name into the Indonesia Stock Exchange

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HSBC Amanah Syariah

Wherever you may be, it is our aim to meet your particular financial needs through your preferred channels. We also understand that customers demand more choice and greater flexibility in their day-to-day banking, which is why we are proud to introduce an alternative concept to conventional banking.

HSBC, with its global brand "HSBC Amanah", was the first foreign bank to start providing sharia- compliant banking services in Indonesia in 2003, locally known as HSBC Amanah Syariah. By regulation, for any "Unit Usaha Syariah", the word "Syariah" must be incorporated at the end of the bank's name, accordingly we are known as HSBC Amanah Syariah.
Syariah finance is a unique form of commerce in which financial products and services offered to investors and customers are structured so as to comply the Shariah law. From its opening in 20 October 2003, HSBC Amanah Syariah has been focusing on the corporate sector to meet their financing requirements by arranging Syariah corporate deal from a plain vanilla Murabahah financing to a complex syndicated deal.
After successfully offering products to corporate customers, HSBC Amanah Syariah launched services to retail clients on March 26, 2007. Syariah banking products and services are open to all people, both Muslims and non Muslims.

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Bank Central Asia

The First Five Decades

BCA was first founded on 21 February 1957 as Bank Central Asia NV. A lot of things have happened since then—the most significant of all being perhaps the Asian monetary crisis in 1997.

Although this crisis had a tremendous impact on Indonesia’s entire banking system, in particular it affected BCA’s cash flow and even threatened its survival. Panic rush forced the bank to seek assistance from the Indonesian government. The Indonesian Banking Restructuring Agency (IBRA) took over BCA in 1998.

Thanks to its management’s business sagacity and shrewd decision making, full recovery was accomplished later in the same year. In December of 1998, third-party funds were back at the pre-crisis level. BCA’s assets stood at Rp 67.93 trillion, as opposed to Rp 53.36 trillion in December 1997. Public confidence in BCA was fully restored, and BCA was released by IBRA to BI in 2000.

Subsequently, BCA took a major step by going public. The IPO took place in 2000, selling 22.55% of BCA’s shares that were being divested by IBRA. After the IPO, the agency still controlled 70.30% of BCA’s total shares. The second Public Offering took place in June and July of 2001, with IBRA divesting an additional 10% of its interest in BCA.

In 2002, IBRA divested 51% of its BCA shares through a strategic private placement tender. The Mauritius-based Farindo Investment, Ltd won the tender. Today, BCA continues to strengthen its tradition of good corporate governance, full compliance with regulations, sound risk management and the commitment to its customers both as a transactional bank and an institution for financial intermediation.

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BCA

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Bank Indonesia

As an Independent State Institution

A new chapter in the history of Bank Indonesia as an independent central bank was initiated when a new Central Bank Act, the UU No. 23/1999 on Bank Indonesia, was enacted on May 17, 1999. The Act confers it the status and position as an independent state institution and freedom from interference by the Government or any other external parties.
As an independent state institution, Bank Indonesia is fully autonomous in formulating and implementing each of its task and authority as stipulated in the Act. External parties are strictly prohibited from interfering with Bank Indonesia's implementation of its tasks, and Bank Indonesia has the duty to refuse or disregard any attempt of interference in any form by any party.
In order to further assure its independence, the Act confers Bank Indonesia a special position within the civil structure of the Republic of Indonesia. As an independent state institution, the position of Bank Indonesia is not similar with other state high offices. In addition, the position of Bank Indonesia is not the same as that of other Government Departments, in that Bank Indonesia exists outside of the Government.
Such unique status and position are necessary so that Bank Indonesia can implement its role and function as monetary authority more effectively and efficiently.
As a Legal Entity Whether as a public legal entity or as civil legal entity, the position of Bank Indonesia is regulated by the statutes. As a public legal entity, Bank Indonesia has the authority to issue policy rules and regulations, which are binding to the public - at - large. As a civil legal entity, Bank Indonesia is able to represent itself in and outside the court of law.

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Bank Rakyat Indonesia

Vision : To be a top commercial bank Who Gives Priority To Customer Satisfaction

Mission :

• To do the best banking activities by giving priority to serve micro, small, and middle size business to support the economy improvement of society.
• To give excellent service to the customer through wide network and professional human resources that apply good corporate governance.
• To give optimum advantage and benefit to related parties.

BRI Long Term Goal (2005):

• To be a healthy bank and one of the top five biggest banks in asset and profit.
• To be the biggest and the best bank in developing micro, small, and middle size business.
• To be the biggest and the best bank in developing agribusiness.
• To be one of the best go public bank.
• To be a bank who consistently applies good corporate governance.
• To make BRI’s working culture as the behaviour and attitude of all BRI’s employees.

History

Brief History of BANK BRI

At the beginning, Bank Rakyat Indonesia (BRI) was established in Purwokerto, Central Java by Raden Aria Wirjaatmadja. At that time it was called “Hulp-en Spaarbank der Inlandsche Bestuurs Ambtenaren” which means The Aid and Savings Bank Belongs to The Indonesian Upper Class. Established at December, 16^th 1895, it became the establishment day for BRI.

The founder of Bank Rakyat Indonesia, Raden Aria Wirjaatmadja, in the period before Republik Indonesia’s independence, based on Peraturan Pemerintah No. 1 tahun 1946 Pasal 1 which said that BRI is the first Government Bank in Republik Indonesia. At the war to defend Indonesia’s independence in 1948, BRI’s activities was stopped for a while before reactived after the Renville Agreement in 1949 and changed its name into “Bank Rakyat Indonesia Serikat”. At that time through PERPU No. 41 tahun 1960 was formed Bank Koperasi Tani dan Nelayan (BKTN) which was the merger of BRI, Bank Tani Nelayan and Nederlandsche Maatschappij (NHM). Then, based on Penetapan Presiden (Penpres) No. 9 tahun 1965, BKTN was integrated into Bank Indonesia with the name Bank Indonesia Urusan Koperasi Tani dan Nelayan

After being active for one month, the government announced Penpres No. 17 tahun 1965 about the establishment of single entity bank with the name Bank Negara Indonesia. In that new regulation, Bank Indonesia Urusan Koperasi, Tani dan Nelayan (ex BKTN) was intergrated with the name Bank Negara Indonesia Second Unit Rural category, while NHM became Bank Negara Indonesia Second Unit Export Import category (Exim).

Based on Undang-Undang No. 14 tahun 1967 about Banking Main Regulations dan Undang-undang No. 13 tahun 1968 about Central Bank Regulations, which contain the regulations of returning Bank Indonesia’s function as Central Bank and splitting Bank Negara Indonesia Second Unit Rural category and Export Import category into two separate banks which is Bank Rakyat Indonesia dan Bank Ekspor Impor Indonesia. After that, based on Undang-undang No. 21 tahun 1968, redetermined BRI’s main tasks as General Bank.

Since August 1^st, 1992 based on Undang-undang perbankan No. 7 tahun 1992 and Peraturan Pemerintah RI No. 21 tahun 1992, BRI’s status changed into PT. Bank Rakyat Indonesia (Persero) which 100 % of it shares still belong to the government.

PT. BRI (Persero) which was established since 1895 based on the determination to serve lower class society, is still consistent to do so until now by focusing on giving credit facility to small enterpreneur groups. It is reflected by the development of the KUK distribution which increased from Rp. 6.419,8 billion in 1994 to Rp. 8.231,1 billion in 1995 and until September 1999 the number has reached Rp. 20.466 billion.

Along with the rapid development of Banking world until today, Bank Rakyat Indonesia has had 4.447 working units, which consist of 1 BRI Head Office, 12 Regional Offices, 12 Inspectorate Offices, 170 Branch Offices, 145 Sub Branch Offices, 1 Special Branch Office, 1 New York Agency, 1 Caymand Island Agency, 1 Hongkong Representative Office, 40 Cash Payment Offices, 6 Bank Car Offices, 193 P.POINT, 3.705 BRI UNITS and 357 Rural Service Posts.

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Mandiri and BNI

We ease your business activity by serving you with many credit facilities. Besides we offer you our reguler credit products, we also design customized product special to your business. We offer you credit facility starting from more than Rp.2 Billion in both rupiah (denomination) and other foreign currencies. This credit facility is specialty to you who have your gross annual sales starting from Rp.5 Billion up to Rp.300 Billion.
Cash Loan
Investment Loan for Mining
The Applicants are Contractors of mining company obtained work contract/ or Work Order Contract (SPK) from a certain mining company determined by Bank Mandiri. More
Loan for Working Capital
Loan for Investment
Cash Collateral
Customized Cash Loan

Overdraft Loan for Mining
Investment Loan for Mining
Overdraft Loan for Telecommunication
Investment Loan for Telecommunication
Overdraft Loan for Commodities
Bridging Loan for Special Haj Program
Credit to Multi Finance Companies
Overdraft Loan using Mandiri e-Biz Card Facility
Non Cash Loan
Import Facilities for Telecomm.
The Applicants are Contractors of telecommunication company obtained work contract and or Work Order Contract (SPK) from the telecommunication companies More
Bank Guarantee
Import L/C
Negotiated Money Order for Export
L/C with Domestic Document
Foreign Exchange Line
Customized Cash Loan

Import Facilities for Mining
Bank Guarantee for Mining
Import Facilities for Telecommunication
Bank Guarantee for Telecommunication
Funding & Others Banking Services
Contact Us
Checking Account
Deposit On Call
Time Deposito
Alliance Program
Cash Management

Initially referred to by its unabbreviated name of Bank Negara Indonesia when it was established in 1946, BNI is the first bank formed and owned by the Indonesian Government.

Historical records indicate that on of the eve of the 30th of October 1946, or merely a few months after its formal establishment, the Bank distributed the first currency bills ever issued by Indonesia’s Government popularly known at the time as ORI, or ‘Oeang Republik Indonesia’ (Currency of the Republic of Indonesia). In fact, this day is commemorated annually as the National Finance Day while the date of the Bank's establishment - the 5th of July - was designated as National Bank Day.

Bank Negara Indonesia's role as the circulation and central bank was duly terminated in 1949 following the government’s appointment of the former Dutch-controlled bank, De Javasche Bank, as Indonesia's Central Bank . The Bank, subsequently designated as a development bank, was later granted the rights to provide foreign reserve services that allowed it access to direct foreign transactions.

Enhanced by increased capitalization, the Bank's legal status was formally changed to that of a state-owned commercial Bank in 1995. This provided the Bank with the foundation to provide better and wider range of both access and services for the country's business sectors.

In its quest to competitively differentiate itself from its competitors, the Bank decided, towards the end of 1968, to attach its year of establishment to its corporate name to become Bank Negara Indonesia 1946. The Bank was therefore popularly referred to, for decades, as 'BNI 46'. The simpler name of 'Bank BNI' was adopted in 1988 along with the change of the corporate identity.

BNI’s legal status was upgraded in 1992 to that of a state-owned limited corporation under the name of PT Bank Negara Indonesia (Persero) and the bank decided to become a public company through its initial public offering of its shares in 1996.

BNI's ability to adapt to environmental, socio-cultural and technological advances is reflected through the continuous refinement of its corporate identity which is carried out to suit the changing demands and trends of the times. This adaptability signifies the Bank's dedication and commitment towards continuous improvement of its performance.

A refined corporate identity was introduced in 2004 that reflects the positive prospects for the future after a year of struggle characterized by a period of hardship. A shorter name of 'BNI' subsequently replaced the former 'Bank BNI', while the year of its establishment - '46' - was exposed through the logomark to reinforce the pride and distinction that the Bank had in being the country's first national bank.

In keeping with the spirit of the heroic national struggle that is rooted in its history, BNI strives to provide the best services for the country and to ultimately become the Pride of the Nation, today and always.

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