PT Bank China Construction Bank Indonesia Tbk (“CCB Indonesia”) is a Commercial Foreign Exchange Bank listed in the Indonesian Stock Exchange (IDX), and was the result of a merger between PT Bank Windu Kentjana International Tbk (“Bank Windu”) and PT Bank Antardaerah (“Bank Anda”) on November 30, 2016, spread out in cities across Indonesia such as Jakarta, Bandung, Semarang, Yogyakarta, Surabaya, Denpasar Bali, Mataram Lombok, Palembang, Bandar Lampung, Batam, Pekanbaru, Pontianak, Makassar and Pangkal Pinang. With the current focus on Corporate Banking business, CCB Indonesia will continue to develop small and medium enterprises, as well as consumer banking.
China Construction Bank Corporation – Controling Shareholders
China Construction Bank (CCB) Corporation, headquartered in Beijing, is a leading large-scale commercial bank in China. Its predecessor, China Construction Bank, was established in October 1954. It was listed on Hong Kong Stock Exchange in October 2005 (stock code: 939) and the Shanghai Stock Exchange in September 2007 (stock code: 601939). At the end of 2019, CCB Corporation’s market capitalisation reached US$217,686 million, ranking fifth among all listed banks in the world. The Group ranks second among global banks by Tier 1 capital.
CCB Corporation provides customers with comprehensive financial services, including personal banking, corporate banking, investment and wealth management. With 14,912 banking outlets and 347,156 staff members, CCB Corporation serves hundreds of millions of personal and corporate customers. CCB Corporation has subsidiaries in various sectors, including fund management, financial leasing, trust, insurance, futures, pension and investment banking, and has more than 200 overseas entities covering 30 countries and regions.
Adhering to the “market-oriented, customer-centric” business concept, CCB Corporation is committed to developing itself into a world class banking group with top value creation capability. CCB Corporation strives to achieve the balance between short-term and long-term benefits, and between business goals and social responsibilities, so as to maximise the value for its stakeholders including customers, shareholders, associates and society.
Strategic Action
CCB
Indonesia in short and medium term directs its business policy on
business improvement, good corporate governance implementation, IT
system development, process effectiveness and cost efficiency
encouragement, and human capital professionalism and competence
improvement. Bank's policy direction is adjusted and in line with
current government programs for financing for infrastructure and
supporting the development of the SME sector.
The forward-looking strategic direction aimed at:
- Accelerate business development in the corporate banking segment, along with Small and Medium Enterprises/SME (include commercial) and consumer banking segments.
- Ensure adequate CAR for business development.
- Stay consistent in improving the implementation of good corporate governance (GCG) and improving the risk management system to a more advanced level.
- Optimize existing offices, towards developing digital banking.
- Improve the quality of human capital by increasing the scale of training programs and more diverse development opportunities.
- Strengthen
IT system infrastructure to improve the effectiveness, efficiency and
business capabilities of bank. Development and utilization of technology
to manage risk, facilitate control, AML functions and anti-fraud as
well as product and service development. Bank China Construction Bank Indonesia MCOR
Vision
Become an international bank and has the ability to multiply value through innovation capabilities
Mission
Provide better products and services for customers, create higher value for shareholders, build broader career path for associates, and implementing social and environmental responsibility as a good corporate citizen
Core Beliefs
1. Strong financial base
2. Ability to provide complex service and with speed
3. Strong partnered relationship
4. Continuous improvement
5. Human capital
6. Commitment
Core Values
1. Integrity
2. Trust
3. Speed
4. Competence Bank China Construction Bank Indonesia MCOR
Auto Loan
Auto Loan (KKB) CCB Indonesia is a loan provided by CCB Indonesia to the individual debtor with financed car as a collateral (car reg/BPKB).
Product
· KKB New Car
· KKB Used Car
· KKB Refinancing
Advantage
· Fast process
· Easy requirements
· Loan period up to 5 years
· Competitive interest rate · Variety car choice, type and brand Bank China Construction Bank Indonesia MCOR
Mortgage Loan
Mortgage (KPR) CCB Indonesia is a credit facility provided to individual customers in order to:
• Housing
• Ownership Shophouse
• Renovation / Construction
• Apartment Ownership
• Land Ownership *
• Multifunction
Advantage :
• Financing up to a maximum of 80% of the appraisal value of the collateral
• Especially for the purchase of new unit in CCB Indonesia developer partner maximum financing up to 95% [DP 5%]*
• The process is quick and easy requirements
• Loan period up to 20 years
• Competitive Interest Rate
• Free determine the choice of various types of home*
* For land located in a residential area of existing cooperation with CCB Indonesia
* DP 5% for condition NPL Bank Ratio < 5%
General Terms & Conditions Mortgage CCB Indonesia
Indonesian Citizen
Minimum age 21 years or married
Maximum age for :
- Employees : A maximum of 55 years upon maturity of the credit
- Entrepreneur : A maximum of 65 years upon maturity of the credit
Requirements Document - General:
Credit Application Form signed by prospective borrowers
Copy of a valid identity card to a prospective borrower and spouse, or proof of renewal of ID cards that can be verified
Copy of Family Card (KK)
Copy of Marriage Certificate / Child Birth Certificate / Divorce Certificate / Death Certificate / Separation Deed Treasures
Copy of TIN
For mortgage New / Second required to submit a TIN for the purposes of buying and selling
Copy of your savings / checking account for last 3 months
Special Document Requirements:
Employees :
1. Certificate of Employment of the Company dated last longer than 1 month stating working period and income (if there is no paycheck)
2. Original Salary Slip last 3 months (or 1 month of the last salary slip when reflected by> 70% in the bank accounts of the debtor) or SPT Income Tax Article 21 or Certificate of Income
Employers :
1. Copy of SIUP / TDP / SK Domicile / other similar documents to prove the existence of the business
2. Copy of Deed of Establishment, Articles of Association and the latest changes
Profesional :
Practice License / Appointment Letter Bank China Construction Bank Indonesia MCOR
Commercial Express Credit
In the business world, speed and accuracy in decision solutions is one thing that is very important. It is a right decision if you choose CCB Indonesia as a trustworthy business partner.
With commercial loans express you will get quick and accurate solutions in developing businesses and businesses that you can start.
The development of your business is our pride and prompt and appropriate solutions are our specialty. Soon join and grow to achieve success with CCB Indonesia through commercial loans and enjoy express service, precision and our best solutions.
Loan limit
The amount of credit of up to IDR 5 Billion
Collateral
Fixed Asset (residential, apartment, office, shophouse, warehouse, etc.)
Cash Collateral
Time period
1-10 years depending on the purpose of financing
Easiness
Loan processing within 5 days working
Loan for working capital or investment
Could be used for financing purchase business property
Period time to 120 months (credit investment)
Competitive interest rate
Financing up to 100% of the collateral liquidation value (collateral of fixed assets)
Filing Requirements
Indonesian Citizen
Individual / Company
Loan quality last 6 months is “Current”, and last 12 months 1x Quality loan is ‘2’ (special mention’) that overdue no more than 5 days
Not in BI black list
Business age at least 2 years
Already submitted the signed loan application Bank China Construction Bank Indonesia MCOR
Prime Lending Rate
Description :
- Prime Lending Rate is used as the basis for determining the interest rate to be charged by the Bank to customers. Prime Lending Rate not include the risk premium estimation component which depends on the Bank's assessment of the risk of each debtor or group of debtors. Thus, the amount of lending rates charged to borrowers is not necessarily the same as the prime lending rate.
- In credit non-mortgage consumer does not including lending through card credit and credit without collateral or (KTA) Bank China Construction Bank Indonesia MCOR
Rupiah & Forex Deposit
IDR & FX Time Deposits
IDR Time deposit
· Interest rates are very attractive
· Supported by widespread service
· Deposits within a period of 1, 3, 6 and 12 months
· Can be used as loan collateral
General Requirements
· Fiil out and sign the application form
· Submit a copy of ID card or other identification
· Submit a copy of ID of BOD & BOC, TIN, TDP License, Articles of Association and amendments (for companies)
· Minimum placement of IDR 8,000,000
FX Time deposits (USD, SGD, Euro, Yen)
· Interest rates are very attractive
· Supported by widespread service
· Deposits within a period of 1, 3, 6 and 12 months
· Can be used as loan collateral
General requirements
· Fill out and sign the application form
· Submit a copy of ID card or other identity
· Submit a copy of ID of BOD & BOC, TIN, TDP License, Articles of Association and amendments (for companies)
Bank China Construction Bank Indonesia MCOR
CCB Indonesia Current Saving
CCB Indonesia Current Saving IDR
IDR Current Account
Supported by widespread network service
Online facility throughout Bank Windu offices
Monthly report in form account statement
Obtain checks used for pay the party third
Obtain joint account facilities (special for individual customers)
General requirement
Age 21 years above or already married
Not in Bank Indonesia black list
Fill form application and the sign statement letter above stamp
Submit a copy of ID, TIN, and reference letter
Charged by monthly administration fee
Submit a copy of ID of BOD & BOC, TIN, TDP License, Articles of Association and amendments, and letter reference (for companies)
Savings
Bank China Construction Bank Indonesia MCOR
Safe Deposit Box
Located in the branch S. Parman (Slipi, Jakarta)
- Small
- Dimensions : 7,5 cm x 25 cm x 60 cm
- Price : IDR 400.000,- include VAT
- Medium
- Dimensions : 12,5 cm x 25 cm x 60 cm
- Price : IDR 500.000,- include VAT
- Large
- Dimensions : 25 cm x 25 cm x 60 cm
- Price : IDR 700.000,- include VAT
Only available in a particular branches [KCP Slipi Jakarta, KC Makassar, KC Abdul Rahman Bandung]
* Key guarantees IDR 500,000 Bank China Construction Bank Indonesia MCOR
Treasury & Perbankan Internasional
- FX Today, Tomorrow, Spot
- FX Forward
- Banknotes
- Deposit On Call
Service and Transaction
- Remittances
- FX Trade
Bank China Construction Bank Indonesia MCOR
