Banking Products &

Services
Barron.K.K, Kenny Prawira, Hitesh Purshotamdas, Jevesh Vatvani,
Cynthia Sim

S
 Purpose of Banking Products &
Services

Where Banks and Credit union can provide a safe

and convenient way to accumulate savings.
Some banks also offer services that can help you
manage your money. Deposits at banks and most
credit unions are federally insured up to a limit set
by agreement on congress.
 Type of Banking products and
Services

Business loans.
Checking accounts.
Savings accounts.
Insurance
Debit and credit cards.
Travelers Cheque
Merchant services (credit card processing, reconciliation and reporting, check
collection)
Cash management (payroll services, deposit services, etc.)
 Banking Services (fee-based
banking)

Sources of earnings generated by banks from other

sources wherein they do not have to lend money/collect
interest.

Debit & Credit Cards: There are a variety of fees charged

by these cards. (Joining & Annual Fees, interest on
overdue balance, over limit fees, service taxes etc.

Commissions: Insurance Companies and Mutual Fund

companies collaborate with banks to provide a convenient
and efficient services to customers. Banks charge
commissions to market these services to their customers.

Capital Market Advisory: Banks assist corporations in their

 Loan Products

A bank loan is the main form of economical credit. It is for

corporate activities for medium and big companies and
for retail activities for small companies and individuals.

2 types of Bank loans

-Short Term Credits

-Long/Medium term loans

 Short Term Credits

1) Global Operation Loan

2) Object Credit

3) Treasury Credit

4) Discount Loan

5) Factoring through Credit Cards

6) Bank Overdraft
Long/Medium term Loans

1) Developmental Loans

2) Mortgage

3) Leasing Credits
 Deposit Products

Bankdepositsconsist of money placed into banking

institutions for safekeeping. Thesedepositsare
made todepositaccounts such as

1) Savings accounts

2) Current Account

3) Time Deposit Account

Good future potential of banking product

Benefits:
Theft protection
Convenient
Reward program
 Mobile banking

Benefits:
Convenient
Zero cost
Loans
 Bad future potential
product

Travelers cheque
Can be use as money laundering tools
Emergence of substitutes such as credit card
Banking Products & Services in
Indonesia
Banking Products & Services in
Indonesia
Thank You