<p style="text-align: justify;">Accelerate international or national business expansion with cost-efficient financial solutions, competitive pricing, and access to a reliable global banking network</p>


Trade Finance Services

Smooth export transactions with precise processing and fast access to financing.

<h2 style="text-align:justify;"><strong>Export Services</strong><br><br></h2><p style="text-align:justify;">Bank MAS provides export solutions designed to deliver payment certainty, standardized processes, and timely access to financing.</p><p style="text-align:justify;"><br></p><h3 style="text-align:justify;"><strong>Export Services include:</strong></h3><h4 style="text-align:justify;"><strong>1 . Letter of Credit (L/C) Advising</strong></h4><p style="text-align:justify;">Simplify export transactions with L/C advising services supported by global network of counterparties and correspondent banks. Letter of Credit (L/C) is a bank’s payment undertaking issued at the request of the importer and made available to the exporter, subject to full compliance with the terms and conditions of the L/C.</p><p style="text-align:justify;"><br></p><h4 style="text-align:justify;"><strong>Key Benefits</strong></h4><ol style="list-style-type:lower-alpha;"><li style="text-align:justify;">Payment certainty for exported goods</li><li style="text-align:justify;">Bank-backed payment assurance</li><li style="text-align:justify;">Transactions processed in line with international standards</li></ol><p style="text-align:justify;"><br></p><h4 style="text-align:justify;"><strong>2. Outward Collection</strong></h4><p style="text-align:justify;">Bank MAS provides Outward Collection services to process non–L/C export documents and forward commercial and financial documents to the importer’s bank (collecting bank) for payment collection. This service ensures efficient document handling to support smooth and timely payment collection for export transactions.</p><p style="text-align:justify;"><br></p><h4 style="text-align:justify;"><strong>Key Benefits</strong></h4><ol style="list-style-type:lower-alpha;"><li style="text-align:justify;">Cost-efficient fees</li><li style="text-align:justify;">Reduced risk of non-payment by importers</li><li style="text-align:justify;">Supported by an extensive network of correspondent banks</li></ol><p style="text-align:justify;"><br></p><h4 style="text-align:justify;"><strong>3. Export Bill Negotiation and Discounting</strong></h4><p style="text-align:justify;">Financing facilities for export documents under L/C or Domestic L/C (SKBDN) through Export Bill Negotiation and Discounting, enabling faster access to export proceeds.</p>

About Product

<h2 lang="en-us"><strong>1.&nbsp;</strong><strong>Letter of Credit (L/C)</strong><strong>&nbsp;</strong></h2><table><thead><tr><th>No</th><th>Services/Item</th><th>Fee</th></tr></thead><tbody><tr><td>1</td><td>L/C Advising<br></td><td>IDR350.000</td></tr><tr><td>2</td><td>Original L/C Collection<br></td><td>IDR650.000</td></tr><tr><td>3</td><td>Negotiation / Collection Fee<br></td><td>0,25%, minimum USD 35</td></tr><tr><td rowspan="4">4</td><td colspan="2"><p style="text-align:justify;"><strong>Document Delivery</strong><strong>:</strong></p></td></tr><tr><td>1. Asia, Americas, Europe, and others</td><td>IDR400.000</td></tr><tr><td>2. Middle East</td><td>IDR650.000</td></tr><tr><td>3. Domestic/Local</td><td>IDR200.000</td></tr></tbody></table><p><br></p><h2><strong>2. Outward Collection</strong></h2><table><thead><tr><th>No</th><th>Services/Item<br></th><th>Fee</th></tr></thead><tbody><tr><td>1</td><td>Collection Fee<br></td><td>0.25%</td></tr></tbody></table><p><br></p><h2><strong>3.&nbsp;<strong>Export Bill Negotiation and Discounting</strong></strong></h2><table><thead><tr><th>No</th><th>Services/Item<br></th><th>Fee<br></th></tr></thead><tbody><tr><td>1</td><td>Export Bill Negotiation &amp; Discounting (L/C)<br></td><td>USD 35 / transaction<br></td></tr><tr><td>2</td><td>Export Bill Negotiation &amp; Discounting (SKBDN)<br></td><td>IDR650.000 / transaction</td></tr><tr><td>3</td><td>Interest charges<br></td><td>as per applicable credit agreement<br></td></tr></tbody></table>

Fees & Charges​

<h2 lang="en-us" style="text-align:justify;"><strong>1. Outward Collection</strong></h2><p style="text-align:justify;">Requirements:</p><ul><li style="text-align:justify;">Has an active current account (Giro)</li></ul><p style="text-align:justify;"><br></p><h2 lang="en-us" style="text-align:justify;"><strong>2. <strong>Export Bill Negotiation and Discounting</strong>&nbsp;</strong></h2><p style="text-align:justify;">Requirements:</p><ol style="list-style-type:lower-alpha;"><li style="text-align:justify;">The applicant must be a legal entity.</li><li style="text-align:justify;">Has an active current account (Giro)</li><li style="text-align:justify;">Has an approved Export Bill Negotiation and/or Discounting facility</li><li style="text-align:justify;">Submits required corporate documents, including Business Identification Number (NIB) and Deed of Incorporation and Amendments</li></ol><p style="text-align:justify;"><br></p><h2 lang="en-us" style="text-align:justify;"><strong>&nbsp;</strong></h2>

Terms & Conditions

export

Seamless settlement solutions to keep import transactions efficient.

<h2 lang="en-us" style="text-align:justify;"><span><strong>Import Services</strong></span></h2><p><br></p><p style="text-align:justify;"><span>Bank MAS provides seamless import solutions designed to support efficient settlement of </span><span>international trade transactions.</span></p><p style="text-align:justify;"><br></p><p style="text-align:justify;"><span>Bank MAS Import Services include:</span></p><p style="text-align:justify;"><br></p><h2 lang="en-us" style="text-align:justify;"><span><strong>1. Letter of Credit (L/C) Issuance</strong></span></h2><p><br></p><p style="text-align:justify;"><span>Issuance and advising of Letters of Credit (L/C) and Domestic L/C (SKBDN), supported by a </span><span>global network of counterparties and correspondent banks to ensure smooth import </span><span>transactions.</span></p><p style="text-align:justify;"><br></p><p style="text-align:justify;"><span>Under the L/C mechanism, payment to the exporter is made only after all required documents </span><span>fully comply with the terms and conditions of the L/C.</span></p><p style="text-align:justify;"><br></p><h3 lang="en-us" style="text-align:justify;"><span><strong>Types of Letters of Credit</strong></span></h3><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>a. At Sight</strong></span></h4><p style="text-align:justify;">Payment is made immediately by the issuing bank upon receipt and verification of documents that comply with the terms and conditions of the L/C or SKBDN</p><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>b. Usance</strong></span></h4><p style="text-align:justify;"><span>Payment is made at a future date in accordance with the agreed tenor, rather thank immediately at sight</span></p><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>c. Usance Payable at Sight (UPAS)</strong></span></h4><p style="text-align:justify;">The exporter receives immediate payment through bank financing, while the importer settles the payment at maturity based on the agreed tenor</p><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>d. Usance Payable at Usance (UPAU)</strong></span></h4><p style="text-align:justify;"><span>The exporter receives payment at a later date according to the agreed tenor, providing payment flexibility for the importer</span></p><p style="text-align:justify;"><br></p><h3 lang="en-us" style="text-align:justify;"><span><strong>Key Benefits</strong></span></h3><ul><li><p style="text-align:justify;"><span>Competitive pricing</span></p></li><li><p style="text-align:justify;"><span>Efficient import payment processing</span></p></li><li><p style="text-align:justify;"><span>Supported by a global correspondent banking network</span></p></li></ul><p style="text-align:justify;"><br></p><h2 lang="en-us" style="text-align:justify;"><span><strong>2. Inward Collection</strong></span></h2><p><br></p><p style="text-align:justify;"><span>A service for handling and receiving non–L/C import collections from the remitting bank, </span><span>forwarded to the importer in accordance with collection instructions for smooth and efficient </span><span>transaction settlement.</span></p><p style="text-align:justify;"><br></p><h3 lang="en-us" style="text-align:justify;"><span><strong>Key Benefits</strong></span></h3><ul><li><p style="text-align:justify;"><span>Cost-efficient fees</span></p></li><li><p style="text-align:justify;"><span>Certainty of document receipt</span></p></li><li><p style="text-align:justify;"><span>Flexible processing</span></p></li><li><p style="text-align:justify;"><span>Efficient settlement supported by a global correspondent banking network</span></p></li><li><p style="text-align:justify;"><span>Payment assurance to exporters in line with collection instructions</span></p></li></ul>

<h2 lang="en-us"><span><strong>1. Letter of Credit (L/C) Issuance</strong></span></h2><table><thead><tr><th>No</th><th style="width:30.2486%;">Services/Item</th><th style="width:62.5173%;">Fee</th></tr></thead><tbody><tr><td>1</td><td style="width:30.2486%;"><span>L/C Opening </span></td><td style="width:62.5173%;">0,25% per issuance, minimum USD 35</td></tr><tr><td>2</td><td style="width:30.2486%;">SWIFT</td><td style="width:62.5173%;">IDR350.000 per issuance</td></tr><tr><td>3</td><td style="width:30.2486%;"><span>Acceptance Fee</span></td><td style="width:62.5173%;">3% p.a, minimum USD 35</td></tr><tr><td>4</td><td style="width:30.2486%;">Tracer SWIFT Fee</td><td style="width:62.5173%;">IDR300.000</td></tr></tbody></table><p><br></p><h2 lang="en-us"><strong>2. Inward Collection<br></strong></h2><table><thead><tr><th>No</th><th>Services/Item<br></th><th>Fee</th></tr></thead><tbody><tr><td>1</td><td><span>Collection Fee</span></td><td>0,25% (minimum USD 35)</td></tr><tr><td>2</td><td><span>Document Handling</span>*</td><td>USD 25</td></tr><tr><td>3</td><td><span>Document Return Fee</span><br></td><td>USD 50 + <span>courier charges</span> </td></tr></tbody></table><p>*<span>applied if payment is made more than 4 months after the due date</span> </p><p><br></p>

​  Fees & Charges

<h2 lang="en-us"><span><strong>1. Letter of Credit (L/C) Issuance</strong></span></h2><p style="text-align:justify;">General Requirements:</p><ul><li><p><span>The applicant must be a legal </span><span>entity.</span></p></li><li><p><span>Has an active current account (Giro) and/or time </span><span>deposit</span></p></li><li><p><span>Has an approved Letter of Credit (L/C) </span><span>facility</span></p></li><li><p><span>Holds valid import </span><span>licenses</span></p></li><li><p><span>Submits required corporate documents, including Business Identification Number (NIB)</span><br><br></p></li></ul><p style="text-align:justify;"><br></p><h2 style="text-align:justify;"><strong>2. Inward Collection</strong></h2><p style="text-align:justify;">Requirement: </p><ul><li style="text-align:justify;"><span>Has an active current account (Giro/PRK)</span></li></ul>

Import

Secure domestic payments and business financing to help maintain cash flow.

<h2 lang="en-us" style="text-align:justify;"><span><strong>Local Letter of Credit (SKBDN)</strong></span></h2><p style="text-align:justify;"><br></p><p style="text-align:justify;"><span>Secure domestic payment assurance, complemented by business financing&nbsp;</span><span>designed to help maintain cash flow.</span> <span>SKBDN is a bank’s written undertaking to pay the seller upon full compliance with&nbsp;</span><span>the applicable terms and required documents.</span></p><p style="text-align:justify;"><br></p><h2 lang="en-us" style="text-align:justify;"><span>Bank MAS SKBDN Services</span></h2><p style="text-align:justify;"><br></p><h3 lang="en-us" style="text-align:justify;"><span><strong>1. SKBDN Issuance</strong></span></h3><p style="text-align:justify;"><span>Issuance of domestic payment guarantees for sellers, supported by flexible&nbsp;</span><span>financing facilities.</span></p><p style="text-align:justify;"><br></p><h3 lang="en-us" style="text-align:justify;"><span>Types of SKBDN:</span></h3><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>a. At Sight</strong></span></h4><p style="text-align:justify;"><span>Payment is made immediately by the issuing bank upon receipt and verification of documents that comply with SKBDN terms and Conditions</span></p><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>b. Usance</strong></span></h4><p style="text-align:justify;"><span>Payment is made at a future date in accordance with the agreed tenor, rather than immediately at sight</span></p><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>c. Usance Payable at Sight (UPAS)</strong></span></h4><p style="text-align:justify;"><span>The seller receives immediate payment through bank financing, while the buyer settles the obligation at maturity based on the agreed tenor</span></p><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>d. Usance Payable at Usance (UPAU)</strong></span></h4><p style="text-align:justify;"><span>Payment to the seller is made at a later date according to the agreed tenor, providing greater payment flexibility for the buyer</span></p><p style="text-align:justify;"><br></p><h2 lang="en-us" style="text-align:justify;"><span><strong>Key Benefits</strong></span></h2><ul><li><p style="text-align:justify;"><span>Payment certainty for sellers upon document compliance</span></p></li><li><p style="text-align:justify;"><span>Smooth and reliable domestic trade transactions</span></p></li><li><p style="text-align:justify;"><span>Cash flow support for buyers through Bank MAS UPAS and UPAU financing&nbsp;</span><span>facilities</span></p></li></ul><p style="text-align:justify;"><br></p><h2 lang="en-us" style="text-align:justify;"><span><strong>2. SKBDN Advising</strong></span></h2><p style="text-align:justify;"><span>Comprehensive document receipt &amp; examination services, complemented by SKBDN&nbsp;</span><span>document discounting facilities to accelerate fund availability.</span></p><p style="text-align:justify;"><br></p><h2 lang="en-us" style="text-align:justify;"><span><strong>Key Benefits</strong></span></h2><ul><li><p style="text-align:justify;"><span>Supported by a broad domestic network of counterparties and correspondent banks</span></p></li><li><p style="text-align:justify;"><span>Payment certainty for sellers, backed by the issuing bank</span></p></li><li><p style="text-align:justify;"><span>Thorough document examination prior to dispatch to ensure payments are</span><span>processed in line with SKBDN terms</span></p></li><li><p style="text-align:justify;"><span>Discounting facilities available for Usance SKBDN documents</span></p></li></ul><p style="text-align:justify;"><br></p>

<h2><strong>1. <span>Issuance</span> SKBDN</strong></h2><p><br></p><table><thead><tr><th>No</th><th>Services/Item</th><th>Fee</th></tr></thead><tbody><tr><td>1</td><td><span>SKBDN Opening&nbsp;</span></td><td>0,25% per issuance, minimum Rp650.000</td></tr><tr><td>2</td><td>SWIFT</td><td>IDR350.000 per issuance</td></tr><tr><td>3</td><td><span>Acceptance Fee</span><br></td><td>3% p.a, minimum IDR650.000</td></tr><tr><td>4</td><td><span>SWIFT Tracer Fee</span><br></td><td>IDR300.000</td></tr></tbody></table><p><br></p><h2 lang="en-us"><strong><span><strong>2. SKBDN Advising</strong></span></strong></h2><p><br></p><table><thead><tr><th>No</th><th>Services/Item</th><th>Fee</th></tr></thead><tbody><tr><td>1</td><td><span>SKBDN Advising</span><br></td><td>IDR350.000</td></tr><tr><td>2</td><td><span>Original SKBDN Document Collection</span><br></td><td>IDR650.000</td></tr><tr><td>3</td><td>SKBDN Provision Fee</td><td>0,25% (minimum IDR650.000)</td></tr><tr><td>4</td><td>Document Delivery</td><td>IDR200.000</td></tr></tbody></table><p><br></p>

<h2><strong>1. Issuance SKBDN</strong></h2><p style="text-align:justify;">Requirements:</p><ul><li><span data-contrast="auto"><span data-contrast="none" data-scheme-color="@156082,4," data-usefontface="true" lang="EN-US">The applicant must be a legal&nbsp;</span><span data-contrast="none" data-scheme-color="@156082,4," data-usefontface="true" lang="EN-US">entity.</span></span></li><li><span data-contrast="none" data-scheme-color="@156082,4," data-usefontface="true" lang="EN-US">Has an active current account (Giro) and/or time&nbsp;</span><span data-contrast="none" data-scheme-color="@156082,4," data-usefontface="true" lang="EN-US">deposit</span></li><li><span data-contrast="none" data-scheme-color="@156082,4," data-usefontface="true" lang="EN-US">Has an approved Domestic Letter of Credit (SKBDN)&nbsp;</span><span data-contrast="none" data-scheme-color="@156082,4," data-usefontface="true" lang="EN-US">facility</span></li><li><span data-contrast="none" data-scheme-color="@156082,4," data-usefontface="true" lang="EN-US">Submits required corporate documents, including Business Identification Number</span><span data-contrast="none" data-scheme-color="@156082,4," data-usefontface="true" lang="EN-US">(NIB) and Deed of Incorporation and&nbsp;</span><span data-contrast="none" data-scheme-color="@156082,4," data-usefontface="true" lang="EN-US">Amendments</span></li></ul><p style="text-align:justify;"><br></p><h2 lang="en-us"><strong><strong>2. SKBDN Advising</strong></strong></h2><p style="text-align:justify;">Requirements:</p><ul><li style="text-align:justify;">The customer is not blacklisted</li><li style="text-align:justify;"><span data-contrast="none" data-scheme-color="@156082,4," data-usefontface="true" lang="EN-US">Has an active current account (Giro)</span></li></ul>

Term & Conditions

Local Letter of Credit (SKBDN)

Build business credibility with Bank MAS guarantees that help protect against non-performance risk.

<h2 lang="en-us" style="text-align:justify;"><span><strong>Bank Guarantee</strong></span></h2><p><br></p><p style="text-align:justify;"><span>A Bank Guarantee is a written undertaking issued by Bank MAS at the request of the&nbsp;</span><span>applicant in favor of the beneficiary, providing protection against non-performance risk.&nbsp;</span><span>In the event the applicant fails to fulfill its obligations, the beneficiary is entitled to submit&nbsp;</span><span>a claim in accordance with the terms and conditions of the bank guarantee.</span></p><p style="text-align:justify;"><br></p><h3 lang="en-us" style="text-align:justify;"><span><strong>Bank Guarantee Services:</strong></span></h3><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>1. Project &amp; Non-Project Bank Guarantees</strong></span></h4><p><br></p><p style="text-align:justify;"><span>Assurance of payment obligations or performance of work, designed to support both&nbsp;</span><span>project-based and non-project business activities.</span></p><p style="text-align:justify;"><br></p><p style="text-align:justify;"><span>Types of guarantees available include:</span></p><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>a. Project</strong></span></h4><p style="text-align:justify;"><span>Bid/Tender Guarantee, Performance Guarantee, Maintenance/Retention Guarantee</span></p><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>b. Non-Project</strong></span></h4><p style="text-align:justify;">Advance Payment Guarantee, Payment Guarantee, Financial Guarantee, Cusotmers Guarantee, Shipping Guarantee</p><p style="text-align:justify;"><br></p><h4 lang="en-us" style="text-align:justify;"><span><strong>Key Benefits</strong></span></h4><ul><li><p style="text-align:justify;"><span>Competitive guarantee fees</span></p></li><li><p style="text-align:justify;"><span>Standard bank formats with flexibility to accommodate customer requirements</span></p></li><li><p style="text-align:justify;"><span>One-day service for Bank MAS standard format</span></p></li><li><p style="text-align:justify;"><span>Consistent service levels through centralized processing</span></p></li></ul><p><span><br></span></p><h3 lang="en-us"><span><strong>2. Under Counter Guarantee</strong></span></h3><p><span>Bank guarantees issued by Bank MAS against counter-guarantees provided by partner</span><span>banks, both international and domestic.</span></p><p><br></p><p><span>Key Benefits</span></p><ul><li><p><span>Competitive guarantee fees</span></p></li><li><p><span>Flexible formats tailored to specific requirements</span></p></li></ul>

About Product 

<h2 lang="en-us" style="text-align:justify;"><span><strong>1. Project &amp; Non-Project Bank Guarantees</strong></span></h2><p><strong>&nbsp;</strong></p><table><thead><tr><th>No</th><th style="width:43.0828%;">Services/Item</th><th style="width:49.2721%;">Fee</th></tr></thead><tbody><tr><td>1.</td><td style="width:43.0828%;"><span>Bank Guarantee Issuance</span><br></td><td style="width:49.2721%;">2% p.a, minimum IDR100.000</td></tr><tr><td>2</td><td style="width:43.0828%;"><span>Administration</span><br></td><td style="width:49.2721%;">IDR100.000</td></tr></tbody></table><p><br></p><h2 lang="en-us"><strong>2. Under Counter Guarantee</strong></h2><table><thead><tr><th>No</th><th style="width:43.0828%;">Services/Item</th><th style="width:49.2721%;">Fee</th></tr></thead><tbody><tr><td>1.</td><td style="width:43.0828%;">Bank Guarantee Issuance<br></td><td style="width:49.2721%;">2% p.a, minimum IDR100.000 (exclude the issuing bank)</td></tr><tr><td>2</td><td style="width:43.0828%;">Administration<br></td><td style="width:49.2721%;">IDR100.000</td></tr></tbody></table><p><br></p>

Fees & Charges

<h2 lang="en-us" style="text-align:justify;"><span><strong>1. Project &amp; Non-Project Bank Guarantees</strong></span></h2><p><span>Requirements:</span></p><ul><li><p><span>Completion and signing of the Bank Guarantee issuance and/or amendment</span><span>application form</span></p></li><li><p><span>Individuals or legal entities domiciled in Indonesia</span></p></li><li><p><span>Has an account and/or credit facilities with Bank MAS</span></p></li><li><p><span>Holds an approved Bank Guarantee facility</span></p></li></ul><h2 style="text-align:justify;"><strong>2.&nbsp;</strong><strong>Under Counter Guarantee</strong></h2><p style="text-align:justify;"><span>Requirements:</span></p><ul><li><p><span>Completion and signing of the Bank Guarantee issuance and/or amendment</span><span>application form</span></p></li><li><p><span>Individuals or legal entities domiciled in Indonesia</span></p></li><li><p><span>Has an account and/or credit facilities with Bank MAS</span></p></li><li><p><span>Holds an approved Bank Guarantee facility</span></p></li></ul><p style="text-align:justify;"><br></p>