Bank Artos Indonesia ARTO

PT Bank Artos was established in Bandung on December 14, 1992, based on the Deed of Establishment Number drawn up in a Notary by Decree of the Minister of Finance of the Republic of Indonesia No. 737 / KMK.013 / 1992 dated July 10, 1992, and the Operating Permit Approval Letter from Bank Indonesia No. 25/195 / UPBD / PBD2 dated 31 July 1992.

Vision
To become a trusted bank in establishing partnerships with the business community to support an independent Indonesian economy

Mission

• Providing excellent and trusted banking transaction services for the people of Indonesia and the National business world
• Convincing the people of Indonesia to conduct banking transactions with the National Bank
• Reach all levels of society by utilizing a network of business partners through a mutually beneficial partnership
• Conducting every banking business activity with high integrity

People trust is a priceless gift that can’t be bought or sold. To have a good reputation is worth far more than trillions of money or gold Bank Artos Indonesia ARTO

Credit

Working capital credit

• Current Account Loans Can be extended (revolving) 
• Withdrawals of funds can be done repeatedly Media withdrawal:
  
• Check, BG 
• Per month only pay interest on the ceiling that is used

Term Promissory Loans (PPB)

• Can be extended (revolving) 
• Withdrawals of funds can be done repeatedly
  
• Media withdrawal: Acceptance / Promissory Notes
• Per month only pay interest on the ceiling that is used

Fixed Promissory Loans (PPT)

• Non-renewable (non revolving)
• Funds withdrawal and repayment Can be done at once
• Per month only pay interest on the ceiling that is used

Term Installment Loans (PAB)

• Non-renewable (non revolving)
• Disbursement is done at once
• Installed (Principal + Interest)

Artos Credit Self-employed-Working Capital (Kaber-MK)

Fixed Ceiling

• Non-renewable (non revolving)
• Gradual disbursement as needed (daily, weekly, monthly), can be done repeatedly
• Withdrawal Media: acceptance / promissory notes

Declining ceiling

• Non-renewable (non revolving)
• Disbursement is done at once
• Installed (Principal + Interest)

Term Installment Credit

• Cannot be extended
• Disbursement is done at once
• Installed (Principal + Interest)

Investment Credit
Artos Berdikari-Investment Credit (Kaber-Inv)

• Non-renewable (non revolving)
• Disbursement is done at once
• Installments (Principal + Interest) according to the ability of the Debtor: Daily, Weekly, Monthly.

Term Construction Loans (KKB)

• Non-renewable (non revolving)
• Disbursement of funds in stages / all at once
• Installed (Principal + Interest)
• Must be completed by RAB (Cost Budget Plan)

Home / Ruko / Rukan Mortgages (KPR-Usaha)

• Non-renewable (non revolving)
• Loan disbursement is done at once
• Installed (Principal + Interest)

Consumer Credit
Artos Sejahtera Credit

• Non-renewable (non revolving)
• Disbursement is done at once
• The company where the customer works must have a Payroll system collaboration (Employee Payroll by Bank Artos)
• Installed (Principal + Interest)

Home Ownership Loans (KPR-Residential)

• Non-renewable (non revolving)
• Loan disbursement is done at once
• Installed (Principal + Interest)

Home Renovation Credit (KRR)

• Non-renewable (non revolving)
• Disbursement of loans is done in stages
• Installed (Principal + Interest)
• Must be completed by RAB (Cost Budget Plan)

Home Construction Credit (KKR)

• Non-renewable (non revolving)
• Disbursement is done in stages
• Installed (Principal + Interest)
• Must be completed by RAB (Cost Budget Plan)

Artos Education Credit (KAP)

• Non-renewable (non revolving)
• Loan disbursement is done at the same time to the customer's account but the funds are blocked and disbursed gradually to the school account according to the schedule of stages of payment of school fees.
• Installed (Principal + Interest)
• The related university / school must have collaborated with Artos Bank.

Motorcycle Credit (KSM)

• Non-renewable (non revolving)
• Loan disbursement is done at once
• Installed (Principal + Interest)

Car Ownership Credit (KPM)

• Non-renewable (non revolving)
• Loan disbursement is done at once
• Installed (Principal + Interest)

Multipurpose Credit

Artos Benefit Credit (KAM)

• Non-renewable (non revolving)
• Disbursement is done at once
• Installed (Principal + Interest)
• Collateral: Items to be purchased.

Savings:

Round

Media for withdrawal of funds: Check and BG

• General Current Account
• Account Type:

• Individual Current Accounts; can be a combination of a maximum of 3 people
• Current Accounts of Companies; Budan Legal Entity (firm, CV) or Agenc
• Law (PT, BUMD, BUMN, Cooperatives, Foundations, BHMN, Fund
• Pension
• Bank Demand Deposits: Commercial Banks, Rural Credit Banks

Partnership Giro

• Specifically intended for BPRs that are part of the Artos Bank partnership.
• Cheaper transaction fees
• Maximum current account services
• Special services through Private Banking Officers
• Can be used as collateral for BPR Working Capital Credit
• Pick Up Service

Artos Investment Giro

• Intended for individuals or non-bank companies
• No monthly administration fee
• Points can be exchanged for payment of Check / crossed checks books, Pick Up Service Fees, Outgoing / Incoming RTGS Fees and 1 Clearing deposit application sheet.

Time deposit

Placement in Rupiah on behalf of:

• Individual; can be a combination of a maximum of 3 people
• Corporate Giro; Not a Legal Entity (firm, CV) or Legal Entity (PT, BUMD, BUMN, Cooperative, Foundation, BHMN, Pension Fund)
• Current accounts: Commercial Banks, Rural Credit Banks
  

Certificate of Deposit

• As proof of time deposits for performance can be traded and can be transferred to third parties.
  
• Nominal value of multiple of IDR 100,000,000 or according to agreement with the customer.
  
• Duration: 1, 3, 6 and 12 months
  
• Prepaid interest (after tax deduction)
  
• Can be used as a credit guarantee

Savings

Artos Savings

• In Rupiah currency
• Funds withdrawal through Teller Bank, Artos EDC Machine, ATM Artos, and ATM Bersama Network

My savings

• Intended for individuals.
• In Rupiah currency
• Funds withdrawal through Teller Bank
• Published together with Bank Indonesia
• Not allowed for joint accounts with "and / or" status
• Withdraw cash and move books through the counter only in branch as long as the account is opened
• (Optional) Can be given an ATM card.

Services

Money Transfer / Transfer

It is a bank service for customers to transfer funds to third parties in other banks.

BI-RTGS

(Bank Indonesia Real Time Gross Settlement is a system of electronic fund transfers between participants (especially banks) in rupiah currency, the settlement of which is carried out instantaneously per individual transaction.


SKN-BI

(Bank Indonesia National Clearing system) is a clearing system organized by Bank Indonesia, the settlement of which is finally conducted nationally, including:

• Debit Clearing: Check / BG
• Credit Clearing: remittances
• Collection

Artos Card

• Artos Card for Savings customers
• Artos Card for Current Account customers
• Artos Card can be used in Artos / EDC machines and throughout the ATM Bersama network

Payment Point

     Is a delivery of payment or receipt of payment through cooperation between the Bank and other parties.
     Service Type:
     a. Electricity Payment
     b. Telephone Payment

Pickup Service

• Services for making deposits and withdrawals from / to customer accounts at Artos Bank conducted outside the bank counter.
• The physical amount of money taken and / or delivered through the EFA is a minimum of Rp. 50 million Bank Artos Indonesia ARTO
  

Head Office
Jl. Otto Iskandardinata No. 18 Bandung
Telephone : 022-4200202
Facsimile : 022-4200401
Email : info@bankartos.co.id
Bank Artos Indonesia ARTO

Mr Bean the Animated Series - Cash Machine