Cash Management

Since being developed from 2009 until now, we have made cash management a cash-based management solution.

We are also collaborating with e-commerce, Fintech, P2P Lending, Retailers, clients of educational institutions, property, local governments. In meeting their needs for transactions, we integrate their applications directly with available banking services in an easy and safe way so that efficiency can be increased through effective financial control and management.

As a support to provide the best Cash Management solution for customers, TBS will always enhance products and services, and integrate IT platform solutions to meet the current needs without ignoring security aspects, so that the Cash Management solution from BNI is always excellent and superior in the market.

BNIDirect

Definition :

BNIDirect is an electronic device provided by BNI for non-individual customers to conduct financial transaction activities from customer accounts at BNI and to obtain transaction information recorded in Company accounts more fast, easily and safely.

Benefits :

1. Convenient and easy to transact with complete feature support.
2. Cost efficiency.
3. Real time and flexibility in accessing from anywhere and anytime.
4. Safe in transactions, authority division can be done and equipped with an electronic signature.
5. Highly flexible User Level, can be adjusted according to customer needs.
6. Dedicated customer service to handle pre-transaction and post-transaction.

Feature :

1. Flexible menu that can be tailored to customer needs :
   1. Inquiry.
   2. Transfer management (In-house, Kliring (LLG)/RTGS dan IFT).
   3. Mass payment (bulk payment dan payroll).
   4. Liquidity management (Cash pooling, cash distribution, and others).
   5. Tax payment.
   6. Billing payment.
   7. Utility payment.
   8. Autodebet.
   9. Virtual account management.
   10. Purchase of Pertamina products.
2. Number of users can be set according to needs.
3. Access or authority over features and accounts can be determined by customer.
4. Transaction authorization is done with dynamic PIN generated by electronic signature (hard token/mobile token).
5. Has various types of report formats that can be downloaded on customer transactions and can be sent via email.
6. Consists of two languages, namely in Indonesian and English.

Security System :

1. Customer has Unique Company ID.
2. User Level, User ID and password are self-determined by the customer. User Level consists of Maker, Approver and Releaser.
3. Transaction uses the latest Encryption technology.
4. Hard Token/mobile token and account to be accessed or transacted has been registered in advance.

System Device :

1. Personal Computer/Notebook minimum Intel Core Duo CPU 3 GB.
2. RAM minimum 2 GB with minimum 80GB space Hard Disk.
3. OS Microsoft Windows Professional version 202 Service Pack 2.
4. Internet Explorer version 7 or Mozilla Firefox or Google Chrome.
5. Connected to internet network.

Requirements :

The requirements to become a BNIDirect User Customer are as follows :

1. Have a Savings account (Current Account and/or Non-Individual Business Taplus) or other savings account in BNI.
2. Fill out BNIDirect registration form/application which can be obtained at the nearest branch office or through our Sales Advisory.

For more information on the requirements and service fee, please contact us at :

Service Action Team (SAT) Transactional Banking Services.
Telp : (021) 29946046.
Fax : (021) 5728874.
E-mail : tbs_sat@bni.co.id.

Bank Guarantee

BNI as a business partner understands your needs in expediting trade transactions or projects that generally require the inclusion of Bank Guarantee. We understand the objectives and needs of different customers, so we have designed this Bank Guarantee product according to your goals and needs.

BNI Bank Guarantee is a written statement from BNI containing the undertaking to guarantee payment of an amount of money to guarantee receiver (bowheer), if the applicant defsults or unable to fulfill the obligation has been promised in a cooperation agreement/contract.

Type of BNI Bank Guarantee :

• Bid Bond.
• Performance Bond.
• Advance Payment Bond.
• Maintenance Bond.
• Appeal Disclaimer Bond.
• Other Bonds (Payment Guarantee, Reclamation Guarantee, Guarantees in the context of Customs, and so on).

Benefits of BNI Bank Guarante :

• Guaranteeing company in conducting business activities.
• Can be used for domestic and international transactions.

Privileges of BNI Bank Guarantee :

• Completed on the same day.
• Safe and trusted.
• Easy process.
• Adjustable format.
• Competitive fee.
• Collateral flexibility.

Along with technological developments, BNI presents Online Bank Guarantees (BNI e-Bank Guarantees and m-BG Checking) as a solution that makes it easy for customers to apply for issuance, monitoring and checking Bank guarantees online.

Benefits for Customers :

• Easy.
• Save time and cost.
• Secure.
• Paperless.
• Filing and monitoring the issuance status of Bank guarantees online.
• Online checking of Bank guarantee documents.
• Reporting on Bank guarantee issuance and monitoring of Bank guarantee limit online.

BNI e-Bank Guarantee

Is a web-based solution that has the following features :

• e-Application
  Application submission for Bank guarantee issuance online, equipped with a tiered approval.
• e-Tracking
  Monitoring of Bank guarantee issuance status.
• e-Reporting
  Report of Bank guarantee that has been issued (as applicant) and received (as beneficiary).
• e-Checking
  Validity checking of Bank guarantee documents that have been issued (as applicant) and/or accepted as bowheer.
• e-Plafond Monitoring
  Monitoring of Bank guarantee limit (maximum, usage and limit balance).

BNI m-BG Checking

Is checking the correctness of Bank guarantee documents via mobile apps through scanning the QR Code on the Bank guarantee.

How to get BNI e-Bank Guarantee and m-BG Checking services

• Customer submits registration as a user using BNI e-Bank Guarantee application to the nearest BNI branch office or to Transactional Banking Services (TBS) Division.
• Customer registers user name (maker, approver and releaser) on BNI e-Bank Guarantee application.
• After the registration process is completed, customer will obtain username and password to access and use BNI e-Bank Guarantee application and given training on the use.

For more information, please contact :

The nearest Branch Office or Service Action Team (SAT) Transactional Banking Services.

Telp : (021) 29946046.
Fax : (021) 5728874.
E-mail : tbs_sat@bni.co.id.

Payment Management

Is a payment transaction management solution from BNI that makes it easy for Institutional/Company Clients to settle their financial obligations in a timely, accurate manner.

The need for reports on the payment of these obligations can also be obtained fast and realtime, so that customers will immediately get a recapitulation of the reports needed.

This solution is very useful for easy payment settlement of customer obligations, both single and mass (with a large volume of transactions).

Payment Management features are :

Collection Management

If you have a business with a wide network and want the collection process for the sale of products/services to run effectively and efficiently, and can identify sales results fast and accurately, then BNI provides a solution to you through Collection Management.

The features of Collection Management Solution are :

Liquidity Management

Is a solution provided for Non-Individual Customers so that management of Company/Institutional cash flow can always be maintained in an ideal position to meet the Company’s operational needs.

Benefits :

• Gets the convenience to move (consolidate) Company's funds that are scattered in various BNI accounts in real time with the support of an automatic money transfer mechanism (automatic sweeping).
• Minimizes operation handling cost.
• Optimizes return in accordance with the instrument selected by customers.

Requirements :

• Open (have) Current account in BNI.
• Sign Registration form.
• Approve the terms and conditions and the pricing scheme specified.

Type :

Liquidity Management can be done automatically through Branch or BNIDirect, i.e. :

Liquidity Management via Branch Office

Is Liquidity Management with registration via Branch Office, namely “BNI Account Sweep” that has several features, among others :

1. Account Sweep Online

   Automatic fund transfer transaction from secondary account to primary account in real time (online) either with limit feature or without limit feature (maximum nominal sweep).

2. Account Sweep Push

   Automatic transaction of transfer of excess funds from primary account to secondary account is carried out in batches at End of Day of the Bank system.

3. Account Sweep Pull

   Automatic transaction of fund transfer/underfund taking from secondary account to primary account is made in batch at End of Day of the Bank system.

4. Account Sweep Push-Pull

   Activity to maintain balance on primary account by taking from secondary account where transfer is made in batch at End of Day of the Bank system either with limit feature or without limit feature (maximum nominal sweep).

5. Account Sweep Online Loan-Dep

   Automatic fund transfer transaction from secondary accounts in the form of loan account to primary account in real time (online) with either limit feature or no limit feature (maximum nominal sweep).

All of “BNI Account Sweep” features can only be performed in single currency.

Liquidity Management via Internet Banking (BNIDirect) :

Liquidity Management with registration through Internet Banking (BNIDirect) has several features, namely :

1. Cash Pooling
   • Fund transfer to one pooling account can run on a daily basis or set according to a specific schedule at certain hours.
   • Sweeping dana (sweep in) from multi accounts (sub account) to main account (pooling account).
   • Sweeping is made in single currency or multiple currencies.
2. Cash Distribution
   • Fund distribution from main account to sub/target account can run on a daily basis or set according to a certain schedule.
   • Sweeping dana (sweep out) from single account to multiple accounts is made automatically on certain hours.
   • Sweeping is made in single currency or multiple currencies.
3. Sweep Balance

   Fund transfer from one account to other account can be arranged automatically according to the nominal needed, both in Range balance account (RBA), Target Balance Account (TBA), and Zero Balance Account (ZBA).

For more information, please contact :

Service Action Team (SAT).
Transactional Banking Services.
Telp : (021) 29946046.
Fax : (021) 5728874.
E-mail : tbs_sat@bni.co.id.

BNI FSCM (BNI Financial Supply Chain Management)

All companies try to maintain the sustainability of their businesses by increasing the efficiency and profit of their businesses through reducing costs and optimizing working capital. Working capital optimization is currently done through cash flow arrangements and accelerating the cash-convertion cycle both on the side of Corporate Customer (Corporate) and its Corporate Partner (Supplier/Distributor). BNI provides superior integrated transactional solution services through Supply Chain Financing (SCF) program using BNI FSCM platform (BNI Financial Supply Chain Management) to help Corporates optimize working capital and manage cash flow in collaboration with business partners (Corporate/Supplier/Distributor Partners), and provide business solutions in a chain from upstream to downstream tailored to the needs of Corporate Customers.

Supply Chain Financing Program can use web-based BNI FSCM platform by accessing https://bnifscm.bni.co.id/. The benefits of using BNI FSCM among others will obtain monitoring transparency of document flow and money flow from third parties (BNI, Corporate, and the Corporate Partner), real time information, easier and more flexible disbursement and implementation, facilitate reconciliation of invoice document, paperless and secure (the web is equipped with secure https).

BNI FSCM Services always help customer's business needs with the solutions we offer, i.e. :

Supplier Financing

Facility in the form of bills takeover to Corporate before the due date to be paid to the Corporate’s Partner (Supplier) at a faster time. We provide the Supplier Financing service for Companies that want to increase business growth and accelerate production cash cycle process by transferring to Bank or Bank first bills the Corporate Partner (Supplier) to Corporate.

Supplier Financing Target :

Is designated for Corporate Partners (Suppliers) with facilities that can be provided to Corporate Partners and through Corporates.

Benefits of Supplier Financing :

For Corporates :

• Sustainable business.
• Become “preferred buyer”.
• Maximize Profit.

For Corporate Partners (Suppliers) :

• Obtain faster payment so as to help working capital turnover.
• Supply sustainability to Corporates.
• Get competitive rates.
• Increase sales volume.

Distributor financing

Facilities include payment of Corporate bills at the due date by BNI, and extension of bill payments from Corporate Partners (Distributors) to BNI. We provide Distributor Financing service for Companies that want to increase business growth and manage their production cash cycle processes with bailout financing from BNI to Corporate Partners (Distributors). In this case, payment arrangements can be made at bills due date or extended according to the needs of Corporate Partners (Distributors).

Distributor Financing Target :

Is designated for Corporate Partners (Distributors) with the facility given to Corporate Partners (Distributors).

Benefits of Distributor Financing :

For Corporates :

• Obtain payment certainty that is timely and efficient.
• Increase sales volume.
• Provide convenience and security in document transactions (Preferred).

For Corporate Partners (Distributors) :

• Obtain longer Turn Of Payment (TOP) so as to help working capital turnover.
• Flexibility in working capital arrangements.
• Obtain competitive rates.

Receivable Financing

Facility in the form of bills takeover from Corporate to Corporate Partner (Distributor) to be paid before an invoice due date. We provide this Receivable Financing Service for Corporates who want to increase business growth and accelerate the production cash cycle process with bailout financing from BNI to Corporate to finance its receivables collection. BNI provides corporate receivables to be paid faster.

Receivable Financing Target :

Designated directly for Corporates with the facilities given to Corporates.

Benefits of Receivable Financing :

For Corporates :

• Obtain faster receivables payment so as to help working capital turnover.
• Increase sales volume.
• Provide convenience and security in document transactions (Preferred).
• Obtain competitive rates.

For more information, please contact :

The nearest branch or Service Action Team (SAT) Transactional Banking Services.
Telp : (021) 29946046.
Fax : (021) 5728874.
Email : tbs_sat@bni.co.id.

Other Services