Highlights Management Reports Company Profile Tetap Tersenyum Ratih Diah Kartika - Operation Kedaton, Lampung First Place - Traditional Market Photography Competition 556 PT Bank Danamon Indonesia, Tbk. 2014 Annual Report Management Discussion Operational Review Corporate Governance Corporate Social Corporate Data Financial Statements & Analysis Responsibility Corporate Data 2014 Annual Report PT Bank Danamon Indonesia, Tbk. 557 Highlights Management Reports Company Profile Products and Services DANAMON SIMPAN PINJAM TabunganKU Low cost cheap savings, without monthly Dana Pinter 50 (DP50) administration fee with low opening deposit and Financing facility (with collateral) for small and micro easily accessible by the public. scale entrepreneur (SME), merchant and individual, with a quick credit approval following the receipt Capital Solution (SM) of complete documents. The maximum financing Loan facility without collateral for small and micro provided shall be Rp100 million. entrepreneur (SME), merchant and individual with quick approval process for business expansion. Dana Pinter 200 (DP200) The maximum financing provided shall be Rp50 Loan facility (with collateral) for small and micro million. scale entrepreneur (SME), merchant and individual, with a quick credit approval following the receipt Special Capital Solution of complete documents. The maximum financing Loan facility without collateral for small and micro provided shall be Rp500 million. entrepreneur (SME), merchant and individual with quick approval process for business expansion with Current Account Loan (PRK) a condition of having a minimum loan history of 12 Loan for working capital needs for small and micro months. The maximum financing provided shall be scale entrepreneur (SME), merchant and individual Rp50 million. with a term of 1 year and may be extended. The amount of loan provided shall be between Rp25 DP500 million-Rp500 million. The loan facility (the collateral) for small and micro businesses (SMEs), merchants and individuals, with Termed Dana Pinter (DP Berjangka) a faster loan approval process once the complete Financing facility (with collateral) for small and micro document is received. Maximum financing provided scale entrepreneur (SME), merchant and individual Rp1.5 billion. for working capital needs with a maximum period of of 24 months. This product provides convenience in payment of loan installments where the principal HOUSE PURCHASING LOAN loan amount may be paid at the end of the period, and only the interest shall be paid monthly. House Purchasing Loan A loan provided for the purchasing of houses, Si Pinter Savings apartments, shophouses, office houses, business Savings product with a light initial deposit. houses, dormitories, soho, condotel, shops, villas, Customers with certain criteria will receive privileges land, either ready or by down payment (indent). such as insurance coverage with no premium, ATM and transfers facility, free electricity and telephone House Development and Renovation Loan bill payments facility and Deposit Pick up Services. (KPPR) A loan provided to build or renovate houses, DSP Deposits shophouses, office houses, apartments. Term savings product for customers of DSP, with light initial deposit and can only be withdrawn by a Multipurpose Loan certain time period. A loan provided for cash fund, with house, shophouse, office house, apartment owned by the debtor as collateral. 558 PT Bank Danamon Indonesia, Tbk. 2014 Annual Report Management Discussion Operational Review Corporate Governance Corporate Social Corporate Data Financial Statements & Analysis Responsibility KSB (Ready to Build Lots) ERP (Enterprise Resource Planning) Direct A loan provided for the purchase of lots, land with Payment Top Tier category in the developer’s location. A service that can be used by the cash@work customers’ to upload financial (for example: CASH MANAGEMENT transfers, auto credit, payroll), non-financial, and other transaction data, directly through the customers’ ERP system. cash@work An internet banking service to provide ease in Financial Supply Chain business financial management, where customers may carry out various banking transaction directly, Intermediary service for collection process and quickly and efficiently from wherever the customers financing between Buyer and Seller to achieve may be through internet equipped with encrypted timely and efficient payment and to reduce manual security system. processes in collection/payment. DANAMON SYARIAH Cash Pick Up & Delivery Services A service provided to the customers for Danamon Syariah iB Savings withdrawing or sending cash money and/or script. With protection assurance (insured), credited to A savings product with the syariah principles with the customers’ account on the same day or the choices of Mudharabah agreement (profit sharing) following day and using the choice of calculation or Wadiah (deposit) which can carry out transactions method which can be adjusted with the needs of anytime. the customers. BISA iB Savings Virtual Account A savings product with syariah principles of A cash management solution provided by Bank Mudharabah agreement (profit sharing) for your Danamon to provide ease in identifying the sender solution in transaction, such as free balance check, of the fund and reconciliation process. cash withdrawal and inter-bank account transfers at ATM Bersama, ALTO, ATM Danamon and tiered profit sharing. e-Tax A real time on-line tax payment service through BISA QURBAN iB Savings cash@work and the payment receipt can be printed A savings plan product with syariah principles of directly through cash@work. Mudharabah agreement (profit sharing) to assist you in preparing for the Qurban worship funding. Liquidity Management You can determine your own savings installment Liquidity Management service for customers’ and savings tenor. operational account to optimize both control function and the giro services obtained. The Danamon Syariah iB Hajj Savings Liquidity Management product are as follows: Cash A savings product with the syariah principles with Pooling, Cash Distribution dan Range Balance. choices of Mudharabah agreement (profit sharing) or Wadiah (deposit) prepared for the purpose of Notional Pooling performing Hajj plans which is adjusted with the Creating link with the bank account in the same capabilities and desired time period. currency for the purpose of calculating interest and management of liquidity. Danamon Syariah iB Giro A Current Accounts product with syariah principles of Wadiah agreement (deposit) or Mudharabah (profit sharing) either for, individuals or corporations, where transactions can be executed at any time by using cheque to support your business activities. 2014 Annual Report PT Bank Danamon Indonesia, Tbk. 559 Highlights Management Reports Company Profile Products and Services Bisa iB Giro Danamon Syariah iB Heavy Machinery Financing A Current Accounts product with syariah principles A financing solution provided for business doers of Mudharabah (profit sharing) which offers you owning businesses related to investment in heavy free benefit for transaction such as free monthly machinery, commercial trucks vehicle, general admin fee, free LLG transfer, free RTGS transfer, asset finance and tug boat & barge with a Murabaha free scripless deposit, free scripless purchase and (sales and purchase) scheme. a higher profit sharing. Danamon Syariah iB Trade Finance Financing Danamon Syariah iB Cash Management A comprehensive trade financing solution in A service solution to manage your company cash accordance with the syariah principles to fulfill flow and its liquidity to be effective and efficient in working capital needs and commercial and order to produce optimum profit. corporate business segment investments. Danamon Syariah iB Deposits Danamon Syariah iB Commercial Financing An investment product with syariah principles of A working capital and investment financing product Mudharabah agreement (profit sharing) with options with a Mudharabah (profit sharing) scheme, of monthly tenor from 1, 3, 6 or 12 months. Murabahah (sales and purchase) and trade finance for commercial customers. Danamon Syariah iB House Ownership Financing Syariah Current Account Financing (PRKS) A house ownership with fixed installments financing A financing for the needs of working capital for small solution for a tenor of 10 years with a Murabaha and micro entrepreneur (SME) and commercial, with scheme (sales and purchase). a term of 1 year and can be extended. Danamon Syariah iB Employee Cooperatives Solusi Emas Syariah Financing A financing with gold as collateral (rahn) with syariah Financing with a Mudharabah (profit sharing) principles. This is suitable for customers who need scheme for Employee Cooperatives which will be quick cash for various needs such as addition to distributed to members of Employee Cooperatives working capital, educational fund or other needs. for their needs with member’s receivables as its guarantee. TREASURY Danamon Syariah iB BPRS Financing Plain Vanilla FX Tod/Tom/Spot A working capital financing with a Mudharabah (profit sharing) scheme to BPRS (Syariah Rural Foreign exchange transaction with same day (Tod), Bank) which will then be distributed to the following business day (Tom) or two business days customers of BPRS for their needs of working (Spot) settlement after transaction date. capital, investments and other purposes. FX Forward Danamon Syariah iB SME Financing Foreign exchange transaction with more than two A