Financing facility that can be utilized by Business Banking Debtor, are:
1. Working Capital Loan
This is a short-term loan to finance working capital needs based on debtor’s business cycle
and/or other specific working capital, includes inventory/receivables/project (up to 1 year
period). Working capital loan includes :
a. Overdraft Loan (PRK)
b. Demand Loan (PPB)
c. Trust Receipt (T/R)
d. Bill negotiation / Discounted
2. Investment Loan
This is medium and long term loan which can be utilized for the financing of investment
projects, business expansions, etc. (commonly more than 1 year period).
3. Export-Import Facility (L/C) & Bank Guarantee
a. Letter of Credit
This is an instrument issued by BII upon request from the customers (account party /
import) for payments to the third parties (beneficiary / exporter)
b. Bank Guarantee (BG)
This is a facility provided by BII to guarantee / fulfill an obligation secured party if the
secured party can not fulfill its obligations (non performance or default).
4. Foreign Exchange Line (FX Line) Facility
This is a facility provided by BII to fulfill the customer’s needs in foreign exchange transactions, such as : spot, forward or swap contracts.