Tabungan Rencana Haji iB

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

Benefits

Features

Risk

Simulation

Requirements and Procedures

Important Notes

Product Information

The iB Hajj Savings Plan is a scheduled savings account using the Indonesian Rupiah (IDR) currency, based on the Sharia profit-sharing principle (Mudharabah). This product is specifically provided to help fulfill your sincere intention to perform the Hajj pilgrimage. Funds will be debited monthly through an auto-debit process from the source account (in IDR), with the deposit amount and term according to your selection.

Contract

Mudharabah (Profit Sharing)

Type of Product

Saving Plan

Benefits

EASY: Regular monthly deposits are automatically debited from the source account to the iB Hajj Savings Account.
FREE: You can determine the savings period and the amount of regular monthly deposits yourself.
CONVENIENT: Customers will receive a notification when their funds are sufficient to register for Hajj.

Features

Product Features
Product Name	Tabungan Rencana Haji iB
Type of Product	Savings Plan
Contract	Profit Sharing (Mudharabah)
Customers Criteria	Individuals (Indonesian Nationals) who are Muslim
Currency	Rupiah (IDR)
Initial Deposit	IDR 100,000.-
Monthly Routine Deposit	A minimum of IDR 300,000.- and a maximum of IDR 5,000,000.-
Savings Period	6 – 72 months
Failure to Debit	Six (6) consecutive automatic account closures
Others
Reporting Media	Statement or e-statement
ATM Card	Not given
Monthly Routine Deposit Top Up	Cannot be done
Non-fixed deposit	Non-fixed deposits are additional deposits made at any time to the iB Hajj Savings Plan IDR account, without changing the customer's regular monthly deposit in the system. The system will add the customer's balance according to the non-fixed deposit. For iB Hajj Savings Plan IDR accounts with non-fixed deposits, account closure at maturity can only be done at a branch. Customers can make non-fixed deposits by conducting transactions at a branch, and the Teller will process the crediting to the iB Hajj Savings Plan IDR account. Customers who make non-fixed deposits are required to close the account at the branch after the saving period has ended.
Maturity date	When the savings mature, all funds will be credited to the source account. The maturity date is one month after the last scheduled/monthly deposit date. The account will be automatically closed by the system. If a debit fails, the funds will be debited (full amount) on the following month's date until the funds are available in the source account, and if they have been entered into the next debit, the funds will be accumulated for two (2) regular debits.
Partial withdrawal before maturity	When the savings account reaches maturity, all funds will be credited to the source account. The maturity date is one month after the schedule/date of the last regular monthly deposit. The account will be automatically closed by the system. Funds cannot be partially withdrawn. Withdrawing funds means closing the iB Hajj Savings Plan IDR account at the branch, and the customer will be charged an administrative fee equal to the initial deposit
Auto-close feature for iB Hajj Savings Plan accounts	If there are 6 consecutive failed debit attempts, the iB Hajj Savings Plan IDR account will be closed automatically.
Basic facilities	Customers can open more than one account. No debit card facility is provided for the iB Hajj Savings Plan IDR account.
General Terms & Conditions	The process of opening, maintaining, and closing the savings account follows the applicable procedures.

Risk

Product features and fees may change at any time according to policies set by the Bank, and will be communicated through media deemed appropriate by the Bank.
Any costs arising from customer negligence will be charged to the customer.
Other risks related to this product and other Bank products can be found in the General Terms & Conditions for Accounts and Banking Services

FEES
Initial Deposit Fee	IDR 100,000.-
Administration Fee	None
Monthly Auto-Debit Fee	None
Account Closing Fee	Customers will be charged an administration fee for closing their account before the savings period ends.
Insurance Benefits	None

Simulation

TRH iB Profit Sharing Calculation
The formula for calculating profit sharing based on the average balance for the current month is: Average Account Balance Profit Sharing = --------------------------------------------- x Revenue Allocation x Ratio Average Product Balance Therefore, the profit sharing is explained as follows: Average balance of TRH iB account: 6,000,000 Average balance of TRH iB products: 700,000,000 Income allocation: 60,000,000 Profit sharing ratio: 2.5% Profit Sharing (Gross): 6,000,000 x 60,000,000 x 2.5% = IDR 12,857,17 / month 700,000,000

TRH iB Profit Sharing Calculation

The formula for calculating profit sharing based on the average balance for the current month is:

                               Average Account Balance
Profit Sharing =   --------------------------------------------- x Revenue Allocation x Ratio
                               Average Product Balance

Therefore, the profit sharing is explained as follows:

Average balance of TRH iB account: 6,000,000
Average balance of TRH iB products: 700,000,000
Income allocation: 60,000,000
Profit sharing ratio: 2.5%

Profit Sharing (Gross):

 6,000,000   x   60,000,000   x 2.5%   =   IDR 12,857,17 / month
700,000,000

Requirements and Procedures

The customer completes and signs the Customer Data and Account Opening Form
The customer completes the required documents, including:
- A photocopy of a valid identity card (E-KTP / SIM / Passport)
- A photocopy of your Taxpayer Identification Number (NPWP)
- Other documents as required by the Bank

Important Notes

The Bank may reject a customer's application for products and services if they do not meet the applicable requirements and regulations.
Customers must carefully read this Product and Service Information Summary and have the right to ask Bank employees about all matters related to this Product and Service Information Summary.