A Credit Reference Letter is a crucial document in Indonesian banking practice, issued by banks to their customers for various business and financial purposes. The letter provides formal verification of a customer's banking relationship, credit status, and financial reliability. It is commonly required for loan applications, business partnerships, tender participations, or international trade transactions. Under Indonesian law, particularly following the Banking Law No. 10 of 1998 and Bank Indonesia regulations, these letters must balance information disclosure with banking secrecy provisions. The document typically includes details about the length of the banking relationship, account conduct, credit facilities (if any), and general financial standing, while maintaining compliance with Indonesian data protection and banking regulations.
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1. Letter Header: Bank's letterhead including full name, address, and contact details
2. Date and Reference Number: Current date and unique reference number for the letter
3. Recipient Details: Name and address of the institution or person to whom the letter is addressed
4. Subject Line: Clear indication that this is a Credit Reference Letter for [Customer Name]
5. Customer Information: Full name, address, and identification details of the customer
6. Account Relationship: Duration and nature of banking relationship with the customer
7. Account Standing: Current status of accounts and banking relationship
8. Credit History: Overview of customer's credit behavior and payment history
9. Authorization Statement: Statement confirming customer's authorization to release information
10. Disclaimer: Standard banking disclaimer regarding the information provided
11. Signatory Block: Name, title, and signature of authorized bank officer
1. Specific Credit Facilities: Detailed information about current credit facilities, used when specifically requested
2. Asset Information: Details about customer's assets held with the bank, included when relevant to credit assessment
3. Transaction History Summary: Overview of transaction patterns, included for comprehensive references
4. Purpose Statement: Specific purpose for which the reference is being issued, included when relevant
5. Branch Details: Specific branch information if customer primarily deals with a particular branch
1. Account Statement Summary: Recent account statement summary showing typical balance maintenance
2. Transaction History Extract: Relevant transaction history demonstrating credit behavior
3. Authorization Form: Copy of customer's signed authorization for releasing information
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