The Credit Facility Offer Letter is a crucial document in Indonesian banking practice, serving as the primary instrument for communicating approved credit terms to potential borrowers. It is typically issued after the bank's internal credit approval process and before the execution of full facility agreements. The document must comply with Indonesian banking regulations, including Law No. 10 of 1998 on Banking and various OJK regulations governing transparency in financial services. The letter outlines all material terms of the credit facility, including amount, purpose, interest rates, fees, security requirements, and conditions precedent. It's designed to provide clarity and certainty to both the lending institution and the borrower regarding the approved terms, while meeting regulatory requirements for disclosure and transparency in banking transactions.
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1. Letter Header: Bank's letterhead, date, reference number, and recipient's details
2. Salutation: Formal greeting to the prospective borrower
3. Subject Line: Clear indication that this is a Credit Facility Offer Letter
4. Facility Overview: Brief introduction of the approved credit facility and its primary purpose
5. Key Terms: Essential details including facility amount, interest rate, tenure, and purpose
6. Interest and Fees: Detailed breakdown of interest calculation method, applicable fees, and charges
7. Repayment Terms: Payment schedule, method of repayment, and prepayment conditions
8. Conditions Precedent: Requirements that must be fulfilled before the facility becomes available
9. Representations and Covenants: Key promises and ongoing obligations of the borrower
10. Events of Default: Circumstances that would constitute default and their consequences
11. Offer Validity: Period for which the offer remains valid and acceptance procedure
12. Closing: Standard closing, bank's authorized signatories, and acceptance section for borrower
1. Security/Collateral Requirements: Include when the facility requires specific assets as security or collateral
2. Insurance Requirements: Include when insurance coverage is required for the facility or collateral
3. Guarantor Details: Include when a guarantor is required for the facility
4. Drawdown Mechanics: Include for facilities with multiple drawdown options or specific drawdown conditions
5. Special Conditions: Include when there are facility-specific requirements or conditions
6. Foreign Exchange Provisions: Include for facilities involving foreign currency
7. Review and Adjustment Terms: Include when periodic review of facility terms is required
1. Schedule 1 - Fees and Charges: Detailed breakdown of all applicable fees, charges, and their calculation methods
2. Schedule 2 - Repayment Schedule: Detailed amortization table or repayment schedule
3. Schedule 3 - Required Documents: List of documents required for facility activation and ongoing compliance
4. Schedule 4 - Security Details: Detailed description of required security/collateral and related conditions
5. Appendix A - Standard Terms and Conditions: Bank's standard terms and conditions applicable to the facility
6. Appendix B - Insurance Requirements: Detailed insurance requirements and acceptable insurers
7. Appendix C - Drawdown Notice Format: Template for drawdown requests if applicable
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Corporate Finance
Real Estate and Property Development
Manufacturing
Trading and Distribution
Infrastructure and Construction
Agriculture and Plantation
Mining and Resources
Retail and Commercial
Technology and Communications
Transportation and Logistics
Healthcare and Pharmaceuticals
Education
Hospitality and Tourism
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Banking
Credit Administration
Operations
Business Development
Account Management
Corporate Secretariat
Credit Analysis
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Financial Controller
Credit Manager
Relationship Manager
Legal Counsel
Compliance Officer
Risk Manager
Corporate Secretary
Business Development Manager
Account Manager
Credit Analyst
Banking Operations Manager
Senior Loan Officer
Corporate Banking Head
Finance Manager
Managing Director
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