Prime Landing Rate
Rupiah Credit Base Interest Rate (SBDK)
a. Quantitative Disclosure
Last ALCO Meeting Data Position December 2024
| Data Period | Non-UMKM Credit | UMKM Credit | KPR/KPA | Non KPR/ Non KPA | |||
| November 31, 2024 | Corporation | Retail | Medium | Small | Micro | ||
| Cost of Funds for Credit (HPDK) (%) | 5,82 | 5,82 | 5,82 | 5,82 | 5,82 | N/A | 5,82 |
| Overhead Cost (%) | 3,84 | 3,84 | 3,84 | 3,84 | 3,61 | N/A | 3,84 |
| Profit Margin (%) | 0,25 | 0,50 | 1,00 | 1,00 | 1,00 | N/A | 0,50 |
| Basic Credit Interest Rate (SBDK) (%)(HPDK+Overhead+Margin) | 9,91 | 10,16 | 10,66 | 10,66 | 10,66 | N/A | 10,16 |
b. Qualitative Disclosure
| Category | Credit Category Definition | Credit Indicators/Criteria |
| Corporation | Credit for productive financing purposes | Productive credit to legal entities (except Bank/Non-Bank Financial Institutions that distribute credit to business actors) with a credit ceiling and/or total exposure above IDR50,000,000,000,- {fifty billion rupiah}. |
| Retail | Credit for productive financing purposes | Productive credit to legal entities (except Bank/Non-Bank Financial Institutions that distribute credit to business actors) with a credit ceiling and/or total exposure above IDR10,000,000,000,- up to IDR50,000,000,000,- {fifty billion rupiah}. |
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.