Bank Ganesha was established in 1990 and started its operation on April 30, 1992. The Bank received its license as a commercial bank from the Minister of Finance of the Republic of Indonesia in Decree SK No.393/KMK-013/1992 dated April 14, 1992; and in 1995 the Bank was approved as a Foreign Exchange Bank, according to Bank Indonesia Decree No.28/66/KEP/DIR dated September 12, 1995. The Bank is headquartered at Wisma Hayam Wuruk, Jl. Hayam Wuruk No. 8, Central Jakarta.
In meeting the needs of its customers, Bank Ganesha offers competitive and attractive third party deposit products in time deposits, current accounts and savings accounts; as well as extends loans to commercial, SME and corporate segments. The Bank also seeks to continually optimize its network franchise. As of year 2020, the Bank serves its customers through branch offices, sub-branches and cash offices located in Jakarta, Tangerang, Surabaya and Medan. In addition, Bank Ganesha also operates ATM machines with connectivity to ATM Bersama and Link network.
As a foreign exchange bank, Bank Ganesha also actively offers export and import payment transactions, foreign exchange and other banking services. And in 2018, Bank Ganesha has launched the Internet Banking and Mobile Banking platform launched in 'BANGGA' application. Bank Ganesha BGTG
Risk Monitoring Committee Membership Structure
- Risk Monitoring Committee constitute of at least three members including one Independent Commissioner and two other independent members.
- Risk Monitoring Committee is chaired by Independent Commissioner.
- Members of the Risk Monitoring Committee are appointed by the Board of Directors based on the decision of the Board of Commissioners meeting and are reported in the General Meeting of Shareholders.
- Independent Commissioner and independent parties which are members of the Risk Monitoring Committee must constitue at least 51% (fifty one percent) of the members of the Committee.
Duties and Responsibilities of the Risk Monitoring Committee:
Risk Monitoring Committee is responsible for providing opinions to the Board of Commissioners within the scope of risk management monitoring on matters submitted by the Board of Directors to the Board of Commissioners and to identify matters in need of the Board of Commissioners’ attention including to
- Evaluate the conformity between implementation and policy of risk management.
- Monitor and evaluate the effectiveness of the Risk Management Committee and Risk Management Unit.
Risk Monitoring Committee is responsible to the Board of
Commissioners and must provide recommendations to the Board based on the
evaluation carried out within the scope of risk management monitoring. Bank Ganesha BGTG
Code of Conduct of Indonesian Bankers
- A Bankers must comply with and abide under the prevailing regulations.
- A banker must take proper record keeping on all the Bank’s transactions.
- A banker must refrain from unfair competition.
- A Banker must not abuse his power for personal interest.
- A banker must refrain from decision making in the event of conflict of interest.
- A banker must maintain customer confidentiality.
- A Banker must take into account the adverse impact of every policy applied by the Bank to the society in terms of economic, social and environmental aspects.
- A banker must not accept gifts or rewards that benefits only themselves and their families.
- A banker must not conduct any despicable acts that could harm the image of the profession.
Elements of the Code of Conduct of Bank Ganesha:
Every personnel is responsible to realize the Code of Ethics in their behavior. Personal and professional responsibilities lie on each of the individual. All our behaviors must reflect the Bank's business ethics. Therefore, the Bank’s personnel are required to:
- Implement a culture of compliance.
- Avoid conflict of interest.
- Maintain confidentiality of the Bank’s business information particularly those relating to parties with business relationship with the Bank.
All Bank Ganesha personnel must sign the statement of compliance reflecting their commitment to the Bank’s Code of Conduct. Bank Ganesha BGTG
Ganesha Savings
Future Savings with Minimum Cost
Savings with competitive interest rate and withdrawal and transfer services at thousands ATM network.
Benefits :
- Attractive and competitive interest rates.
- Free administration fee.
- Auto debit facility for payment of monthly bills.
- Automatic Fund Transfer (AFT) service, where you can transfer automatically to family or business partners.
- Access Realtime Online through Bank Ganesha branch office, Ganesha ATMs and ATM BERSAMA and LINK network.
- Ease of transfer between Ganesha accounts or other bank through Ganesha autotransfer facilities.
- Contact Center service for information and complaints through Call Ganesha 1500169. Bank Ganesha BGTG
Ganesha Optima Savings
Maximize Your Savings
Enjoy the optimal benefits of your savings, Ganesha Optima Savings give you progressive daily interest rate and free monthly administration fee.
Benefits:
- High interest rate savings product with daily interest rate calculation by compounding interest method.
- Free monthly administration fee.
- May be used as backup checking account with a standing instruction facility.
- Investment Savings card also serves as an identity card.
- Free Investment Savings card replacement costs.
- Auto debit facility for payment of monthly bills.
- Automatic Fund Transfer (AFT) service, where you can transfer automatically to your family or your business partners.
- Access Realtime Online through a network of Bank Ganesha offices, Ganesha ATMs and ATM BERSAMA and LINK network.
- Ease of transfer between Ganesha accounts or other bank through GANESHA autotransfer facilities.
- Call Center service for information and complaints to Call Ganesha 1500169. Bank Ganesha BGTG
Ganesha Investasi Savings
Safe and flexible Investment with Maximum Benefits.
Prepare your long term plan with Investment Savings product with various benefits and free monthly administration.
Benefits :
- High interest rate savings product with daily interest rate calculation by compounding interest method.
- Free monthly administration fee.
- May be used as backup checking account with a standing instruction facility.
- Investment Savings card also serves as an identity card.
- Free Investment Savings card replacement costs.
- Auto debit facility for payment of monthly bills.
- Automatic Fund Transfer (AFT) service, where you can transfer automatically to your family or your business partners.
- Access Realtime Online through a network of Bank Ganesha offices, Ganesha ATMs and more than 68,000 ATMs under ATM Bersama network.
- Ease of transfer between Ganesha accounts or other bank through GANESHA autotransfer facilities.
- Call Center service for information and complaints to Call Ganesha 1500169.
Ganesha Time Deposit
Investment with Maximum Benefits
Time Deposits with competitive interest rates thus maximizing your investment.
Benefits :
- Safe and secure. Guaranteed by the Depository Insurance Agency (T & C apply).
- Competitive and profitable interest, calculated based on the actual number of days (1 year counts as 365 days).
- Many term options to suit your needs, including 1, 3, 6 or 12 months.
- Choice to reinvest interest or transfer to Giro Ganesha or Tabungan Ganesha which can be withdrawn at any time.
- May be opened on behalf of two individuals (joint account).
- Available in a variety of currencies, IDR or USD.
- Extendable automatically by way of Automatic Roll Over with account information in the form of deposit account statement.
- Interest can be transferred to another account or add to the principal deposit.
- Can be used as loan collateral. Bank Ganesha BGTG
Ganesha Current Account
Smoothen your business activities in secured and reliable manner
Facilitate payment of Your business transactions easily safely and fast.
Available in US Dollar currency.
Benefits :
- Available in foreign currencies USD or SGD.
- Maintain the smoothness of your business transactions.
- Joint account availability for individual account.
- Competitive Interest rates.
- Autodebit and autotransfer facilities.
- Save money and invest in a foreign currency (USD). Bank Ganesha BGTG
Safe Deposit Box
We provide security, privacy and satey to your valuable items including when you store/pick up your valuables.
Benefits :
- SECURE - Sturdy storage area equipped with 24 hours security system with double lock key.
- FLEXIBLE - Available in various sizes to suite the needs of individual/business tenants.
- EASY - Easy lease terms simply by opening a savings or checking account (other banks may not require this, but charge a higher lease rate).
- CONVENIENT - Separate storage space from public space, so as to provide comfort and privacy while storing / retrieving items your valuable documents.
Rules :
- Pay the SBD rental fee for 1 year in advance.
- Deposit the key guarantee fee.
- Key guarantee fee will be returned after the rental period expires.
- Customer Service will assist to ensure that the box key can be used and is in good condition and that the box is empty.
Requirements :
- Individual
- Copy of ID Card (KTP/SIM/Paspor/KIMS)
- Copy of NPWP - Enterprise
Entrepreneur
- Copy of Article of Association
- Letter of Attorney if needed - Fill up the application form and sign the Safe Deposit Box rental agreement.
- Pay the rental fee including guarantee fee for keys (returnable upon the completion of rental period). Bank Ganesha BGTG
Export/Import
Bank Ganesha provide supporting services for your Export and Import business transaction needs.
Through our competititve Letter of Credit and Trade Finance facilities, you can now trade with ease, security and smoothness with your international business partners.
Benefits :
Export :
- Secure since the Letter of Credit (L / C) is a guarantee of payment from the Bank to your business partners abroad.
- Opportunity to obtain financing facility in the form of Export Credit (KE) and Negotiable Letter Of Credit (Sight L/C) for post-shipment before importers submit payments to exporters.
- As a guarantee to suppliers for opening back-to-back Letter of Credit according to applicable regulations in the Bank Ganesha.
Import :
- Secure since the process undertaken by Bank Ganesha are in accordance with the cross-border payment transaction requirements.
- Does not require availability of sufficient funds; only at certain percentage.
- Payments will be made by the importer to the exporter upon presentation of documents in accordance with the terms and conditions of the Letter of Credit (L/C).
Trade Finance :
- Competitive interest rate.
- Sufficient Cashflow for your business.
- Resolve capital requirements for the purchase of goods (for importers).
- Faster payment of export transactions (for exporters).
Requirements :
Export :
- Trading Business License (SIUP), Tax Identification Number (TIN), Trade Registration Certificate (TDP).
- Business Permit from related governmental Departments.
- Article of Association and its amendments (for business enterprises).
- Copy of account statement and financial statement within the past six months.
- Experience in export business for at least two years or experience in export business for one year with a minimum of 5x export transactions, or a customer of Bank Ganesha of 1 year without any export experience.
- Sales contract, Letter of Credit (L / C), order from the applicant.
Import :
- Trading Business License (SIUP)
- Has Import Identification Number (API), or Limited API (APIT) and NPWP.
- Company Registration (TDP)
- Special Importer Identity Number (NPIK)
- Registered Importers (IT)
- In possession of ceiling / Line of Letter of Credit (L / C) opening or case-by-case basis
- Fill out the application for Letter of Credit (L / C) and fulfills the general requirement for opening Letter of Creedit (L/C). Bank Ganesha BGTG
Remittance
Bank Ganesha provides remittance services either to domestic or abroad at a competitive cost in the following foreign currencies: USD, SGD, EUR, JPY and AUD. Bank Ganesha BGTG
Tax Payment
Bank Ganesha provides payment services for your tax durites which include income tax (PPH), value added tax (PPN) and other types of taxes including import taxes, export taxes and customes. Currently Bank Ganesha has implemented MPN G3 (State Revenue Generation 3 Module) that makes it easy for tax payers / Mandatory Payor / Mandatory Depositor in making payment / tax payment to the state.
Tax payment via Bank Ganesha :
- ATM Ganesha network (payment guide click here)
- Teller Bank Ganesha BGTG
Working Capital Loan
Support Your Business Needs
Working Capital Financing to support your business productivity with a tenor of 1 year to cover your needs to manage Accounts Payable, Inventory and Operating Expenses, including the need for financing or purchase of raw material production.
DIRECT WORKING CAPITAL LOAN :
- Current Account Loan
- Short Term Loan
- Fixed Loan
- Export Credit
- Trust Receipt
INDIRECT WORKING CAPITAL LOAN :
- Bank Guarantee :
- Written guarantee in the form of paper issued by Bank Ganesha which results in the Bank’s obligation to pay to the party receiving the guarantee in the event of payment default by the guaranteed party.
- Letter of Credit (L/C) :
- Letter of Credit (L/C) issued by the applicant’s request which binds the issuing bank to pay to the L/C recipient (beneficiary) in accordance with the terms and conditions of the L/C.
- SKBDN Facility:
- Domestic Letter of Credit (SKBDN) issued by the Bank based on the request of the applicant which states the bank promises to pay money to SKBDN beneficiary in accordance with the terms and conditions of the SKBDN.
- Facility used to purchase domestic goods (raw materials, finished goods, production machinery and spare parts) and/or the payment of services related to trade goods (not exceeding the value of the goods). Bank Ganesha BGTG
Investment Loan
Expand your business in the medium or long term for Modernization or Rehabilitation
Medium / long-term loan given to (prospective) borrowers to finance capital goods (fixed assets) within the framework of Rehabilitation, Modernization, Expansion or Establishment of new project; e.g. purchase of machineries, land and building, which payments are derived from the result of the abovementioned capital goods financed with tenor above 1 year.
Benefits :
- Financing of fixed assets / capital goods from productive businesses with a period of more than 1 year..
- Financing of fixed assets / capital goods for productive enterprises with maturities of more than one year.
- Availability of varied loan facilities, namely, medium-term or long-term loans for rehabilitation or modernization of productive enterprises; including the purchase of land, or land and building (including purchase of the property) and to finance capital / fixed assets, procurement of machinery / equipment, vehicles, building, etcs.
- May be used for refinancing, additional production capacity (expansion) and replacement or regeneration of production facilities (rehabilitation / modernization).
- Financing by the customer (self-financing) for project financing must account at least 20% of the total investment.
- Investment Loan Facility to purchase property should take into account that the type of property purchased is non-residential. Bank Ganesha BGTG
Letter of Credit (L/C)
Bank Ganesha provides Letter of Credit facilities for your business’ import needs.
Benefits :
- Protection on your international transaction settlement process.
- Improve your business credibility since the L/C is issued by a Bank with international standard.
- L/C Facilities comprise of:
- L/C Line
- Sight L/C
- Usance L/C
- UPAS L/C case by case
- Acceptance of Import documents (for Usance L/C transaction)
Letter of Credit :
- Borrower must possess Import Identification Number (API).
- Protection on trade for delivery of goods overseas.
- Protection on payment of foreign trade transactions.
- Payment on the basis of documents, not goods.
- More reliable due to written pledge by the issuing Bank towards pay settlements under the fulfillment of terms and conditions of the Letter of Credit (L/C). Bank Ganesha BGTG
Bank Guarantee
Support Your Business Operations and Project Implementation
Bank Ganesha provides indirect loan facility in the form of written guarantee (warkat) issued by Bank Ganesha which results in the Bank’s obligation to fully settle payments to the receiving party in the event of default by the guaranteed party.
Benefits :
Bank Guarantee is an indirect lending facility the Bank provides for the purpose of:
- Commercial Bank Guarantee (provision of Bank Guarantee towards a product)
- Bank Guarantee for Construction (issuance of Bank Guarantee towards contractors) Bank Ganesha BGTG
G-corporate
G-corporate is a web-based online banking service for institutional customers ranging from SME, commercial to corporate customers to perform various banking transactions in an easy, fast, secure and more efficient wherever customers are. Click here to use G-corporate to support your business.
Benefits of using G-corporate :
- Easy
G-corporate is a user-friendly electronic banking service that does not require any special skills to use it. - Speedy
Transaction result and various information can be obtained in real time, wherever you are. Through G-corporate your company will save more time and cost. - Flexible
Can be accessed anywhere and anytime through internet network by using Browser. Also equipped with a complete transaction approval level arrangement so that it can be applied in accordance with the level of authorization in your company. - Secure
With G-corporate you can securely manage and control your transactions on your own. G-corporate comes with a token that works to generate password that always changes every time you make a financial transaction.
G-corporate features :
- Overbooking
- SKN/RTGS
- Online transfer via ATM Bersama network
- Remittance
- Payroll (Overbooking, SKN, RTGS, Online)
- Transfer to Virtual Account
- Batch Transfer (Overbooking/SKN/RTGS/Online)
- Purchase (voucher)
- Payment (invoice)
- Sweep In, Sweep Out, Sweep Balance
- Virtual Account
- Electronic Invoice
- Account information
- Portofolio
- Account statement
- Transaction history
- Transaction status
- Check book request
- Message (Inbox/Outbox)
- Rates and ATM/Branch location
- Hard Token Bank Ganesha BGTG
Call Ganesha 1500169
Call Ganesha 1500169 is ready to help you with the latest information from Bank Ganesha, including:
- Product and service information, includes: savings, loans, interest, exchange rate information of foreign currencies, etc.
- Account Balance and transaction information
- Blocking of ATM card or PIN Call Ganesha
- Reset blocking status of incorrect ATM pin
- Reset blocking status of incorrect Call Ganesha pin
- Unlock BANGGA service
- Customer care
- Information of listed standing instruction
- Information of bank code, branch location, ATM machine location, etc
- Request monthly e-statement report
