2020 Management Company Management Operational Good Corporate Corporate Social Main Highlights Report Profile Discussion and Analysis Review Governance Responsibility 493 CORPORATE DATA PT Bank Danamon Indonesia Tbk Annual Report 2020 494 PRODUCTS AND SERVICES CONSUMER BANKING (PT. Schroder Investment Management Indonesia, PT. BNP Paribas Investment Partners, PT. Manulife Aset Danamon LEBIH Manajemen Indonesia, PT. Danareksa Investment Danamon Lebih respect any effort, any money or any Management, PT.Batavia Prosperindo Aset Manajemen small thing in your life. That is why, Danamon Lebih value dan PT. Bahana TCW Investment Management). your money more than anyone else. Enjoy the features of Danamon Lebih: Retail Treasury Services • Free administration fee Foreign currency trade services in major global currencies • Free Transfer Online and free cash withdrawal to fulfill retail customers financial need, supported by an • Free Life Insurance worth IDR10 million for the first extensive distribution network and prime service quality. 6 months • Latest transaction features (Mobile banking, Internet DANAMON CARDS banking, ATM, Hello Danamon, etc) Danamon Credit Card FlexiMAX Credit card that provides convenience in shopping and Premium savings account with 9: fulfill your modern lifestyle. This card also offers a variety 1. Free transfer fee RTGS/NCS/Clearing. of interesting and diverse programs throughout the year. 2. Free administration fee. 3. Free overseas ATM cash withdrawal (under Maestro Danamon Visa Platinum Credit Card network). Danamon Visa Platinum credit card gives more benefits 4. Attractive interest rate. for you and your family. This card offers 10% cashback on 5. Free access to Executive airport lounge. every weekend transactions and interesting programs 6. Free facsimile daily report (Hello Danamon-IVR). for your and your family. 7. Priority queuing at branches. 8. Business Card with attractive features. Danamon Manchester United Credit Card 9. Latest transaction features. Credit card dedicated to Manchester United’s fans in Indonesia. This card provides exclusive benefits to Tabungan CITA2KU cardholders such as an opportunity to get original Savings account deposit with interest rate equivalent to Manchester United merchandise, shopping voucher time deposits. Fund deposit starts from IDR500 thousand through accumulation of points (D-Points) and attractive per month, with a deposit period of 1-15 years. offers in selected outlets (Red Hot Deals). Time Deposits Danamon Mastercard World Credit Card Time deposits with attractive interest rate, wide selection One of premium cards that is presented to meet modern of tenor and currencies. lifestyle. Enjoy the various features such as faster earn rewards point accumulation (compared to Platinum Primadolar and Manchester United Card), get 3 D-Point for every Savings account with options of 8 foreign currencies. IDR2,500 transaction that can be redeemed to various Benefits including free monthly administration fee, attractive redemption options, access to Airport Lounge competitive interest rate, bank notes withdrawal up to at major cities in Indonesia, and other special offer at USD5,000 per day and no amount limitation On USD various hotels and restaurants participating. bank notes deposits (only applicable for Primadolar USD). Danamon Visa Infinite Credit Card INVESTMENTS & RETAIL One of premium cards that is presented to meet modern TREASURY SERVICES lifestyle. Enjoy the various features such as faster earn rewards point accumulation (compared to Platinum Investment Gallery and Manchester United Card), get 3 D-Point for every Integrated services with diverse selections of investment IDR2,500 transaction that can be redeemed to various products, Open-end Mutual Fund, IDR & USD Indonesia attractive redemption options, access to Airport Lounge Government Bond as well as Government Islamic Bond at major cities in Indonesia, and other special offer at (Sukuk). This services are supported by experienced various hotels and restaurants participating. and well-known Investment Managers in the industry Adapting to New Normal with Consistent Customer Focus 2020 Management Company Management Operational Good Corporate Corporate Social Main Highlights Report Profile Discussion and Analysis Review Governance Responsibility 495 Danamon World Elite Mastercard Credit Card Danamon American Express® Gold Business Card Prestigious credit cards that is offered exclusively to Gold Business Card is intended specifically for individual the premium and classy customers who wish to make customers who own small-to-medium business and every experience memorable. The benefit including need a card as a payment instrument to support the better rewards compared to other credit cards in which business. This card products offers flexibility in payments every IDR2500 transaction will earn 12 D-Points (overseas with features such as Early Pay Discount (in the form of transaction) and 8 D-Points (domestic transaction), cashback if the customer makes full payment) or Defer airport lounge access in overseas with Priority Pass, Golf Pay Options with tiered interest rate that depend on the Access , travel insurance and premium protection to remaining balance. provides you comforts in travel and spending. CONSUMER BANKING Danamon American Express® Corporate Card Cards that offer efficiency and savings account solutions Home Credit Ownership for medium-sized and multinational companies in Danamon KPR product is a financing facility issued by PT managing daily business expenses. Bank Danamon Indonesia Tbk. with collateral property, with an installment period of at least 1 (one) year and Danamon American Express® Gold Credit Card a maximum of 20 (twenty) years. The interest rate of For those who wish to enjoy the flexibility in payment Danamon KPR products is fixed in a certain period, then and financial savings account, this card offers world- fluctuating in the next period (the terms of the period and class Membership Rewards® program and easiness in interest rates can vary according to the type of product monthly bill payments, as well as access to American and financing objectives). Express Selects program. 1. House Ownership Loan (KPR) Danamon American Express Gold Charge Card The benefits of Danamon KPR are to assist customers Prestigious membership card and symbol of a prosperous in financing the purchase of houses, shop houses, life. Cardholders can enjoy the convenience of shopping apartments, house renovations, house construction, with spending limit that not set in advance, a world-class villas, with property, through a variety of product Membership Rewards® program and access to airport choices and characteristics. lounge in Indonesia. This card also presents a series of special dining offers, staying and shopping around world a. KPR Danamon through American Express Selects program. Financing for the purchase of houses/shop houses/ business houses/business houses/dormitories both Danamon American Express Platinum Charge new and used, as well as buildings under ready Card stock and indent conditions. Maximum loan of Danamon American Express® Platinum is exclusively IDR15 billion and installment period of 1-20 years *. dedicated to selected individuals. The Platinum Card® offers world-class privileges that focusing in 3 main b. Apartment Ownership Credit (KPA) pillars namely travel, lifestyle, and service. Privileges Financing for the purchase of apartments/SOHO including Membership Rewards® program that can be (Small Office Home Office)/Condotel/Kiosk/Town redeemed with rewards of customer’s choice, Concierge House Strata Title/Ruko Strata Title/Condominium Service, convenience in travelling with offers from both new and used, as well as buildings in ready world’s best airlines as well as access to over 800 airport stock and indent conditions. Maximum loan of lounges worldwide with Priority Pass,exclusive access IDR8 billion and installment period of 1-15 years *. to prominent golf course in Indonesi, comprehensive travel insurance benefits as well as exclusive access to prestigious world-class events. PT Bank Danamon Indonesia Tbk Annual Report 2020 496 c. House Renovation and Building Credit (KPPR) Proteksi Prima Rencana Maxima Loans are given for the purpose of building or Proteksi Prima Rencana Maxima is a unit link life renovating residential houses, shop houses/offices/ insurance product with regular premium that maximize apartments in the area. Maximum loan of IDR15 the investment and able to provide life protection billion and installment period of 1-10 years *. packages, such as death benefit, income replacement benefit due to death/total permanent disability and d. Ready-to-Build Lots (KSB) premium waiver due to critical illness, loyalty bonus and Loans provided for the purpose of purchasing lots maturity benefit. where above the lots will be built houses. KSB is only given to the developers of Top Tier and Mid Proteksi Prima Maxiplus Tier categories. Maximum loan of 15 billion and Proteksi Prima Maxiplus is a insurance product that installment period of 1-7 years *. targeted for individual customers who need a Unit Link insurance product with single premium and giving *)May change as in accordance with the policy of Bank Danamon. investment and life protection until the customer’s age 95 years old. BANCASSURANCE Proteksi Prima Medika Primajaga Proteksi Prima Medika is a hospital care insurance Term insurance products with protection against the risk product with return of premium at