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

KPR Program Staff Get Member

01 January 2025 - 31 December 2025

Special Offer

Program Implementation

Program Period

Program Participant Criteria

Reward Terms

Program Participant Complaints

Other Terms and Conditions

Program Implementation

The program is available to permanent employees or direct contract staff of PT Bank Danamon Indonesia, Tbk (who do not currently have a KPI Mortgage). Employees can refer friends or relatives to apply for Mortgage Facilities (House/Shophouse/Rukan/Apartment) and Secondary KSB, Take Over, Take Over + Top Up, or Multipurpose Credit (Conventional and Sharia).

Program Period

Valid for referenced and disbursed applications from January 1 to December 31, 2025.

Program Participant Criteria

This program applies to referrals made by permanent employees or Bank Danamon contract staff without KPI Mortgages for Danamon Mortgage facilities.

Criterion	Conditions
Facilities	KPR (House/Shophouse/Rukan/Apartment), Secondary KSB, Take Over, Take Over + Top Up, Multipurpose Loans (Conventional & Sharia).
Referral Conditions	The program is not available for: Secured Credit Underwriting Team. Sales Support Teams (Sales Management, After Sales, Secured Acquisition). Secured Business Team. Staff with KPI Mortgages. This program cannot be combined with other referral programs (e.g., Developer, Broker, Online Property Agent referrals, etc). Referrals are invalid if they involve: Top-ups on existing BDI Mortgage facilities. Rebooking of existing BDI Mortgage facilities. Applications for new facilities by existing BDI Mortgage customers. Referrals for Danamon, Adira, or MUFG employees, or EBP customers. Purchases through Developer or Broker Partners (Primary & Secondary). SGM Referral Procedure: Fill out the referral form at bdi.co.id/sgmform Send the completed Referral & Customer Data via email to: info.kprdanamon@danamon.co.id The Mortgage Head Office will forward the referral to the mortgage sales team for follow-up. The sales team must include the SGM program code in the credit application (SMSA Code: 328 = STAFF GET MEMBER)

Criterion

Conditions

Facilities

KPR (House/Shophouse/Rukan/Apartment), Secondary KSB, Take Over, Take Over + Top Up, Multipurpose Loans (Conventional & Sharia).

Referral Conditions

The program is not available for:
1. Secured Credit Underwriting Team.
2. Sales Support Teams (Sales Management, After Sales, Secured Acquisition).
3. Secured Business Team.
4. Staff with KPI Mortgages.
This program cannot be combined with other referral programs (e.g., Developer, Broker, Online Property Agent referrals, etc).
Referrals are invalid if they involve:
1. Top-ups on existing BDI Mortgage facilities.
2. Rebooking of existing BDI Mortgage facilities.
3. Applications for new facilities by existing BDI Mortgage customers.
4. Referrals for Danamon, Adira, or MUFG employees, or EBP customers.
5. Purchases through Developer or Broker Partners (Primary & Secondary).
SGM Referral Procedure:
1. Fill out the referral form at bdi.co.id/sgmform
2. Send the completed Referral & Customer Data via email to: info.kprdanamon@danamon.co.id
3. The Mortgage Head Office will forward the referral to the mortgage sales team for follow-up.

The sales team must include the SGM program code in the credit application
(SMSA Code: 328 = STAFF GET MEMBER)

Reward Terms

Reward Conditions

Employees who provide referrals will get rewards per account according to the following table:

Amount Disburse (IDR)	Insentif (IDR)
< 500 Milion	IDR 350.000
500 Milion < x < 3 Bilion	0,10% x plafond disbursed
≥ 3 Bilion	0,15% x plafond disbursed

Note:

Maximum commission of IDR 25,000,000.- for every 1 referred account / CIF (before tax deduction)
Minimum submission ceiling per CIF IDR 250,000,000

Reward Payment Terms

Rewards are provided only to eligible employees as outlined in the "Referral Conditions."
Validation of eligible employees will be conducted by the Alternate Channel business unit, in coordination with the Human Capital team.
Reward calculation and payment memo submission will be processed by the Alternate Channel business unit and forwarded to Human Capital.
Human Capital will verify the eligibility of the referring staff.
Rewards will be paid within two months after disbursement, along with payroll, irrespective of the referred customer's installment payment status.
Rewards will not be paid if the referring staff:
- Is involved in a fraud case.
- Receives a formal reprimand (SP).
- Resigns before the referral’s credit is disbursed.

Reward payments will be categorized as "BBN Work Achievement Award – Permanent" under GL 618007, Cost Center Retail Banking Lending 903200.

Program Participant Complaints

Employees can submit complaints of dissatisfaction with the SGM Program in writing via e-mail: info.kprdanamon@danamon.co.id.

Other Terms and Conditions

Other terms and conditions related to products/services, unless specifically stated otherwise, remain valid and binding on Bank Danamon customers.
These General Terms and Conditions are an integral part of the "General Terms and Conditions of Bank Danamon Banking Accounts and Services."
Bank Danamon reserves the right to modify, amend, or supplement these General Terms and Conditions ("Amendments"). Customers will be notified within a reasonable timeframe or as stipulated by applicable regulations through branch offices or other communication channels.
Customers have the right to object to changes in writing within 30 working days of notification. If no objection is raised, the customer is deemed to have accepted the amendments. Customers who disagree may close their accounts/services after settling all obligations with Bank Danamon.
These General Terms and Conditions comply with applicable laws and Financial Services Authority regulations.

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