| Data Period: April 2025 |
Non-MSMEs Loan |
MSMEs Loan |
Mortgage |
Non-Mortgage |
|||
|---|---|---|---|---|---|---|---|
| Corporate | Retail | Medium | Small | Micro | |||
| Cost of Fund (HPDK) | 5.20% | 5.20% | 5.20% | 5.20% | 5.20% | 5.20% | 5.20% |
| Overhead Cost | 2.49% | 4.60% | 4.18% | 4.55% | 2.49% | 4.60% | 2.44% |
| Profit Margin | 2.00% | 1.00% | 1.50% | 2.50% | 2.50% | 0.50% | 2.50% |
| Prime Lending Rate (SBDK) (HPDK+Overhead+Margin) |
9.69% | 10.80% | 10.88% | 12.25% | 10.19% | 10.30% | 10.14% |
| Category |
Definition |
Indicator/Criteria |
|---|---|---|
| Corporate | Working capital loans and investment loans for non-MSMEs and non-retail | Total credit plafond > IDR 100 billion |
| Retail | Working capital loans and investment loans for non-MSMEs and non-corporate | Total credit plafond <= IDR 100 billion |
Prime Lending Rate is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin and economic growth.
Prime Lending Rate does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
Prime Lending Rate for Non Mortgage refers to Auto Loans, not including Credit Card, and Personal Loan.
