That could be interpreted as '€œshowing the lender'€™s ability to meet its long-term commitments toward its debt papers as well as maintain trust from investors'€. According to its official statement, the lender is offering one-year, two-year and three-year bonds with coupon rates of 9 percent, 9.4 percent and 9.8 percent, respectively. The lender appointed six securities firms as underwriters, including Indo Premier Securities, Mandiri Sekuritas, NISP Sekuritas and OCBC Sekuritas. Parwati said funds raised from the bond issuance would be fully used to finance credit expansion in 2015 and would help reduce its loan-to-deposit ratio (LDR). OCBC NISP, now the 11th largest bank by assets in Indonesia, aims to post credit growth of at least 15 percent next year, in line with the target set by Bank Indonesia (BI).