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Financial Reference Letters are essential documents in Indonesian business and financial transactions, serving as formal testimonials of an individual's or organization's banking relationship and financial credibility. These letters are commonly requested for various purposes, including visa applications, business partnerships, property rentals, or investment opportunities. Under Indonesian law, particularly the Banking Act and OJK regulations, banks must exercise due diligence and maintain confidentiality while providing accurate information in such letters. The Financial Reference Letter typically includes details about the duration of the banking relationship, general account standing, and may mention credit facilities when relevant. These documents are widely recognized by Indonesian and international institutions, though their specific content may vary based on the intended purpose and the issuing bank's policies.

1. Letterhead Information: Official letterhead of the issuing bank/financial institution, including full name, address, and contact details

2. Date and Reference Number: Current date and unique reference number for the letter

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

4. Subject Line: Clear indication that this is a Financial Reference Letter for [Client Name]

5. Account Holder Information: Full name, address, and identification details of the account holder

6. Relationship Statement: Duration and nature of the banking relationship with the client

7. Account Status: General statement about the standing of the account(s) and typical balance ranges

8. Closing Statement: Standard closing confirming the letter's official nature and any limitations of its use

9. Authorized Signature: Name, title, and signature of the authorized bank official

10. Bank's Official Stamp: Official stamp or seal of the issuing institution