Prime Landing Rate

Rupiah Credit Base Interest Rate (SBDK)

Date August 31, 2024

 

a. Quantitative Disclosure

    Last ALCO Meeting Data Position September 2024

Data Period	Non-UMKM Credit		UMKM Credit			KPR/KPA	Non KPR/ Non KPA
August 31, 2024	Corporation	Retail	Medium	Small	Micro
Cost of Funds for Credit (HPDK) (%)	6,08	6,08	N/A	N/A	6,08	N/A	6,08
Overhead Cost (%)	0,56	1,02	N/A	N/A	1,42	N/A	1,47
Profit Margin (%)	2,50	2,50	N/A	N/A	2,50	N/A	2,50
Basic Credit Interest Rate (SBDK) (%)(HPDK+Overhead+Margin)	9,14	9,60	N/A	N/A	10,00	N/A	10,05

 

b. Pengungkapan Kualitatif

Category	Credit Category Definition	Credit Indicators/Criteria
Corporation	Credit given to Business Entities or Companies	Plafond > Rp 50 M
Retail	Kredit yang diberikan kepada Individu atau Badan Usaha	Plafond > Rp 10 M s.d. Rp 50 M

 

Description :

• The Basic Credit Interest Rate (SBDK) is determined by the Bank based on various factors, including: the reference interest rate set by the competent authority, Cost of Funds, Overhead Costs, Profit Margin, and developments in economic conditions.
• The Basic Credit Interest Rate (SBDK) does not take into account the estimated risk premium component, the amount of which depends on the Bank’s assessment of the risk for each debtor or group of debtors.