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The Bank Letter of Reference is a crucial document in Indonesian banking practice, commonly requested for various business and personal purposes. This document is typically required when an individual or organization needs to demonstrate their financial credibility to third parties, such as for visa applications, business partnerships, tender participations, or property rentals. The letter adheres to strict Indonesian banking regulations, including Bank Indonesia guidelines and OJK requirements, ensuring standardized content while protecting customer confidentiality. A Bank Letter of Reference provides verified information about the customer's banking relationship, including the length of association, account conduct, and general banking standing, without disclosing specific account details unless explicitly authorized by the customer. The document's format and content are designed to meet both domestic and international requirements while maintaining compliance with Indonesian banking laws.

1. Bank Header and Details: Official letterhead, bank's name, branch details, and reference number

2. Date: Date of issuance of the reference letter

3. Addressee Information: Name and address of the party to whom the letter is addressed (To Whom It May Concern if general)

4. Customer Identification: Full name, account number (partially masked), and duration of banking relationship with the customer

5. Account Status Declaration: Statement confirming the current status of the account(s) and that they are maintained satisfactorily

6. Relationship Assessment: Brief description of the bank's experience with the customer, including standard of dealings

7. Disclaimer: Standard bank disclaimer regarding the information provided and liability limitations

8. Authorization: Signature block with name, position, and signature of authorized bank officer