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A Bank Authorization Letter is a critical document in Indonesian banking operations that establishes the legal framework for a bank to act on behalf of an account holder. This document becomes necessary when account holders need to delegate specific banking authorities, such as automatic debits, fund transfers, or account management activities. Under Indonesian banking law, particularly Law No. 10 of 1998 and Bank Indonesia regulations, such authorizations must be properly documented to ensure legal compliance and protect both the bank's and account holder's interests. The letter typically includes comprehensive details about the account holder, specific authorized actions, validity period, and any limitations on the authority granted. It serves as a crucial risk management tool while facilitating efficient banking operations for both individual and corporate customers.

1. Header Information: Bank's name and address, date, reference numbers if applicable

2. Salutation: Appropriate greeting to the bank's management

3. Account Holder Details: Full name, address, and all relevant identification numbers of the account holder

4. Account Information: Complete account details including account numbers and types

5. Authorization Statement: Clear and specific statement of the powers being granted to the bank

6. Duration of Authority: Validity period of the authorization, including start and end dates if applicable

7. Signature Block: Space for account holder's signature, name, and date

8. Witness Section: Space for witness signatures if required by the bank