Simulation Results
Investment Goals	Future Investment
Komparasi Jenis Aset Konvensional :	Time Deposit
Komparasi Jenis Aset Investasi :	Small Mid Cap Equity Funds
Nominal Investasi Awal	0,00
Nominal Investasi Bulanan	0,00

Time Deposit	Small Mid Cap Equity Funds
Total Savings + Return 71.228.531,00	Total Savings + Return 78.729.940,72
Total Savings 70.000.000,00	Total Savings 70.000.000,00
Total Return 1.228.531,00	Total Return 8.729.940,72
Nilai Pertumbuhan % 1,76%	Nilai Pertumbuhan % 12,47%
Jangka Waktu Investasi 20 Tahunan	Jangka Waktu Investasi 20 Tahunan

Simulation
Property Prices	0,00
Down Payment	0,00
Investment Period	1 Year
Annual Interest Rate (%)	0%
Loan Amount	0,00
Monthly Installment	0,00

Simulation Results:
Your Loan Amount	0,00
Loan Period	1 Month
Monthly Interest Rate (%)	0%
Total Monthly Installment	0,00

Simulation Table
Type of Loan	Simple Working Capital
Type of Business	Service
Monthly Sales	0
Total Loans from Other Banks	0
Kebutuhan Modal Kerja	0
Total limit yang dapat diberikan	0

Simulation Table
Type of Loan	Complete Working Capital
Average monthly sales	0
Cost of goods sold	0
Siklus Modal Kerja	0
Piutang	0
Inventori	0
Hutang Dagang	0
Kebutuhan Modal Kerja	0

Product Information

Types of Option

Features

Risk Exposure

Illustration

Product Information

100% Protection of Principal Amount

This product is ideal for Customers who want 100% protection on their Principal Amount if the product be held until maturity and obtain a higher rate of return compared to conventional time deposits.

Types of Option

One Touch European Style.
The maximum investment return is achieved if the Option reaches the upper/lower limit within the specified date and time.
No Touch European Style
The maximum investment return is achieved if the Option does not reach the upper/lower limit within the specified date and time.
Double No Touch European Style
The maximum investment return is achieved if the Option does not reach both the upper and lower limits set within the specified date and time.

Features

8 Choices of Foreign Currencies (USD, AUD, SGD, EUR, CNY, GBP, JPY, NZD).
Subject to market conditions and offering from the bank.
Higher Potential Returns
Offers higher returns than regular time deposits.
Affordable Minimum Placement
Starts from USD 10,000 or equivalent.
Alternative of Short-Term Investment
Tenor up to 1 (one) year.
No Fees
No management or placement fees.

Risk Exposure

MLD Risk Exposure

Market Risk

The rate of return is dependent on the movement of the underlying financial instrument.

Liquidity Risk

It is not recommended to terminate MLD before maturity date. In the event of withdrawal before maturity, the Bank cannot guarantee a 100% return of principal including the ongoing interest payments on MLD placements.

Other Risk

MLD cannot be automatically renewed
MLD cannot be used as collateral for loans
MLD is not guaranteed by the Deposit Insurance Corporation (LPS)

Illustration

Customer joins MLD with below details:
Placement: USD 50,000
Currency: USD
Currency Pairing: AUD/USD
Spot: 0.6927
Lower Limit: 0.6897
Tenor: 3 months (=90 days)
Minimum Payout: 0.50% gross
Maksimum Payout: 2.70% gross
MLD Type: European One Touch
Payout Description:

If in the fixing date and time does not touch lower limit, then Customer get Minimum Payout
(0.50% gross per annum)
If in the fixing date and time touch lower limit, then Customer get Maximum Payout (2.70% gross per annum)

Scenario A
At fixing date and time, rate at 0.6917 → does not touch lower limit, then Customer get Minimum Payout.

Customer Earnings:
Placement Amount + ((Placement Amount x Payout Amount x (Tenor/365)) – Tax 20%)
= USD 50,000 + ((USD 50,000 x 0.5% x (90/365)) - Pajak 20%)
= USD 50,049.32 net

Scenario B
At fixing date and time, rate at 0.6887 → touch lower limit, then Customer get Maximum Payout.

Customer Earnings:
Placement Amount + ((Placement Amount x Payout Amount x (Tenor/365)) – Tax 20%)
= USD 50,000 + ((USD 50,000 x 2.7% x (90/365)) – Tax 20%)
= AUD 100,197.26 net
= AUD 100,197.26 x 0.6380 = USD 50,266.30 net