Terms & Condition:

1. The program is valid from December 1st - December 31st, 2025

2. Flexi Deposit Program (“Program”) applies to all individual customers of PT Bank KEB Hana Indonesia (“Hana Bank”).

3. The program is subject to the following terms and conditions:

Type of funds	Total fund placement	Placement term	Deposit interest rate (% p.a gross)
Fresh funds	Minimum Rp100.000.000	12 months	5.50%

Placement Terms:

-        The minimum placement amount refers to the Program scheme table listed in the Program participation form available at Hana Bank branch offices.

-        The funds placed in this Program must be Fresh Funds. Example of Fresh Funds: funds originating from other banks or cash deposits that increase the customer’s total balance at Hana Bank.

-        The maximum holding period for the New Funds is 30 (thirty) calendar days from the date the funds are credited to the customer’s source account.

Interest Credit Terms:

-         Interest will be credited to the source account either: Monthly, on the same date as the fund placement; or Upon maturity, to the source account

-         The interest payment date or the maturity date falls on a holiday (Saturday/Sunday/Public Holiday), the interest payment and maturity processing will take place on the next business day.

-        At maturity, the entire fund placement under this Program, including interest, will be automatically credited to the source account, and the Program account will be automatically closed.

4. By participating in the Program, new customers will receive an additional reward in the form of a shopping voucher as follows:

Customer type	Additional reward (net)
New customer	Voucher IDR 200.000  *(valid for multiples, max IDR 1.000.000/Customer)

Reward Terms:

-        The additional MAP voucher reward is calculated based on the total fund placement.

-        The additional MAP voucher reward will be provided and delivered to the Hana Bank branch where the Program account was opened, no later than 30 (thirty) calendar days after the customer places the funds in the Program.

-        The validity period of the MAP voucher will follow the terms communicated through the Hana Bank branch.

5. If the customer terminates the Program before the maturity date, the applicable Time Deposit interest rate will be as follows:

Program Termination Period	Interest Rate at Program Termination (%p.a gross)
<1 Bulan	1.00%
1 - < 4 Bulan	4.50%
4 - < 12 Bulan	5.00%

Early Termination Terms:

-        The total number of days will be calculated from the fund placement date up to the date of early termination of the Program.

-        For customers who selected the interest payment option where interest is credited monthly to the source account, any excess interest amount previously credited by Hana Bank to the source account during prior interest payment periods will be debited from the Time Deposit principal amount.

-        Customers must complete and sign the Program Termination Form.

6. Customers will be subject to tax deductions on interest income from the Program in accordance with applicable tax regulations.

7. Customers will receive proof of Program ownership in the form of a confirmation letter printed by Hana Bank after the Program account has been successfully opened at the start of Program participation. If customers wish to reprint the confirmation letter, they may visit any Hana Bank branch.

8. This product or Program is not covered under the deposit interest guarantee program by the Indonesia Deposit Insurance Corporation (LPS). The maximum deposit amount guaranteed by LPS is IDR 2,000,000,000 (two billion Rupiah), and LPS does not guarantee deposits that exceed the applicable LPS interest rate limit.

9. By participating in this program, the Customer has read, acknowledged, understood, and agreed to all applicable terms and conditions of the program.

10. Customers can submit complaints, inquiries, or questions by contacting Call Hana at 1-500-021 (24 hours), via WhatsApp at 0811-9710-0021 (08:00 – 22:00 WIB), or by visiting the nearest Hana Bank branch during service hours: 08:00 – 15:00 WIB (Business Days).

11. PT Bank KEB Hana Indonesia (Hana Bank) is permitted and supervised by the Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) and is a participant of Lembaga Penjamin Simpanan (LPS).

 

Simulation

A. Account Opening

Simulation of the interest calculation upon opening a Flexi Deposit account, with a tenor of 12 (twelve) months and an interest rate of 5.50% p.a.

 

Deposit Placement	IDR 100.000.000,-
Interest Rate	5.50% (pa. gross)
Tenor	12 months
Number of Days in 12 Months	365 days
Interest Calculation	IDR 100.000.000 x 5.50% x 365 days / 365 days
Gross Interest	IDR 5.500.000,-
Tax 20%	IDR 1.100.000,-
Estimated Net Interest Received by Customer in 12 Months	IDR 4.400.000,-

 

B. Early Account Closure

Simulation of interest calculation when the Customer closes the Flexi Deposit account before maturity, with a tenure of less than 7 (seven) months. The total number of days is 160 (one hundred sixty) days, and the interest rate is adjusted to 5.00% p.a.

 

Deposit Placement	IDR 100.000.000
Interest Rate	5.00% (pa. gross)
Account Closure Conditions	<7 months
Number of Days	160 days
Interest Calculation	IDR 100.000.000 x 5.00% x 160 days / 365 days
Gross Interest	IDR 2.191.780,-
Tax 20%	IDR  438.356,-
Estimated net interest received by the customer upon account closure before maturity	IDR 1.753.424,-

 

Note:

The above simulation uses the option of interest payment at maturity.