Yosep Wahjudi

PT Bank Sinarmas Tbk is an Indonesia-based financial institution. It conducts its business on dual banking systems, which consist of conventional banking and Sharia banking. Its products are categorized into funding, which includes saving accounts, time deposits, multi currency saving accounts, among others; cash-financing facilities, which consist of car ownership credit loan, working capital loans, investment loans, smal-scale business loans, consumer loans, and non-collateral loans; fund management services, which comprise of money market, foreign exchange, and spot transaction services; electronic banking; which offers automated trailer machines (ATM) network, Internet banking and mobile banking services; sales agent products, which include bancassurance and mutual fund products, and other products and services such as safe deposit boxes, bill payments, among others.