Forward Linked Trade (FLT)

Unlock higher returns through strategic FX investments

At a Glance

Forward Linked Trade (FLT) is a structured investment product that combines a time deposit with a foreign exchange swap. It offers corporate clients the opportunity to earn a fixed return in foreign currency, with principal protection if held until maturity.

Flexible Term Options

Choose an investment horizon that suits your company’s needs.

Comprehensive Choice of Currency

Invest in major global currencies, including IDR.

FLT Simulation Example

Principal Amount	IDR 5,000,000,000
Currency Pair	USD/IDR
Payout Rate	5% per year
The actual number of saving days	182
Days Fraction for USD saving days	365

Scenario 1 (Optimistic Scenario)

Your company shall receive on the Maturity Date, an aggregate sum of the Final Redemption Amount and Payout Amount

Payout Amount = Principal Amount x Payout Rate x Day Count Fraction
= IDR 5.000.000.000 × 5% × (182/365)
= IDR 124.657.534 (gross) = IDR 99.726.027 (net)
Final Redemption Amount = IDR 5.000.000.000

Scenario 2 (Less Optimistic Scenario)

If your company requests an early withdrawal of the FLT in accordance with the early withdrawal requirements and the Bank agrees to your request, your company will receive an early withdrawal amount determined by the Bank. Such early withdrawal amount will usually be substantially less than 100% of the Principal Amount and in the worst-case scenario, such early withdrawal amount is zero. By following such early withdrawal companies may be expected to receive zero payout amount.