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Prime Lending Rate Rupiah (Prime Lending Rate)
PT Bank Central Asia Tbk
Effective From April 30, 2025
|
Data Period: |
Non-MSMEs Loan | MSMEs Loan |
Housing Loan |
Non-Housing Loan |
|||
|
Corporate |
Retail |
Medium |
Small |
Micro |
|||
| Cost of Fund (HPDK) (%) | 1.13 | 1.13 |
1.13 | 1.13 | 1.13 | 1.13 | 1.13 |
| Overhead Cost (%) | 3.15 | 4.43 | 4.46 | 4.40 | 4.43 | 3.72 | 4.89 |
| Profit Margin (%) | 3.58 | 3.04 | 3.09 | 3.09 | 3.09 | 4.65 | 1.27 |
| Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin) (HPDK + Overhead + Margin) | 7.86 | 8.60 | 8.68 | 8.62 | 8.65 | 9.50 | 7.29 |
| Category | Definition |
Indicator/Criteria |
| Corporate | Working capital loans and investment loans for non-MSMEs and non-retail |
Total credit plafond > IDR700 billion |
| Retail | Working capital loans and investment loans for non-MSMEs and non-corporate |
Total credit plafond < IDR700 billion |
Note
Historikal SBDK 31 March 2025 - 29 April 2025
Prime Lending Rate Rupiah (Prime Lending Rate)
PT Bank Central Asia Tbk
Effective From March 31, 2025
|
Data Period: |
Non-MSMEs Loan | MSMEs Loan |
Housing Loan |
Non-Housing Loan |
|||
|
Corporate |
Retail |
Medium |
Small |
Micro |
|||
| Cost of Fund (HPDK) (%) | 1.13 | 1.13 |
1.13 | 1.13 | 1.13 | 1.13 | 1.13 |
| Overhead Cost (%) | 3.13 | 4.38 | 4.39 | 4.36 | 4.38 | 3.69 | 4.72 |
| Profit Margin (%) | 3.58 | 3.04 | 3.09 | 3.09 | 3.09 | 4.65 | 1.27 |
| Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin) (HPDK + Overhead + Margin) | 7.84 | 8.55 | 8.61 | 8.58 | 8.60 | 9.47 | 7.12 |
| Category | Definition |
Indicator/Criteria |
| Corporate | Working capital loans and investment loans for non-MSMEs and non-retail |
Total credit plafond > IDR500 billion |
| Retail | Working capital loans and investment loans for non-MSMEs and non-corporate |
Total credit plafond < IDR500 billion |
Note :
Historikal SBDK 28 February 2025 - 30 March 2025
Prime Lending Rate Rupiah (Prime Lending Rate)
PT Bank Central Asia Tbk
Effective From February 28, 2025
|
Data Period: |
Non-MSMEs Loan | MSMEs Loan |
Housing Loan |
Non-Housing Loan |
|||
|
Corporate |
Retail |
Medium |
Small |
Micro |
|||
| Cost of Fund (HPDK) (%) | 1.13 | 1.13 |
1.13 | 1.13 | 1.13 | 1.13 | 1.13 |
| Overhead Cost (%) | 2.87 | 4.15 | 4.16 | 4.13 | 4.15 | 3.44 | 4.02 |
| Profit Margin (%) | 3.58 | 3.04 | 3.09 | 3.09 | 3.09 | 4.65 | 1.27 |
| Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin) (HPDK + Overhead + Margin) | 7.58 | 8.32 | 8.38 | 8.35 | 8.37 | 9.22 | 6.42 |
| Category | Definition |
Indicator/Criteria |
| Corporate | Working capital loans and investment loans for non-MSMEs and non-retail |
Total credit plafond > IDR500 billion |
| Retail | Working capital loans and investment loans for non-MSMEs and non-corporate |
Total credit plafond < IDR500 billion |
Note :
Historikal SBDK 31 January 2025 - 27 February 2025
Prime Lending Rate Rupiah (Prime Lending Rate)
PT Bank Central Asia Tbk
Effective From January 31, 2025
|
Data Period: |
Non-MSMEs Loan | MSMEs Loan |
Housing Loan |
Non-Housing Loan |
|||
|
Corporate |
Retail |
Medium |
Small |
Micro |
|||
| Cost of Fund (HPDK) (%) | 1.13 | 1.13 |
1.13 | 1.13 | 1.13 | 1.13 | 1.13 |
| Overhead Cost (%) | 3.11 | 4.15 | 4.21 | 4.13 | 4.03 | 3.73 | 5.22 |
| Profit Margin (%) | 3.58 | 3.04 | 3.09 | 3.09 | 3.09 | 4.65 | 1.27 |
| Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin) (HPDK + Overhead + Margin) | 7.82 | 8.32 | 8.43 | 8.35 | 8.25 | 9.51 | 7.62 |
| Category | Definition |
Indicator/Criteria |
| Corporate | Working capital loans and investment loans for non-MSMEs and non-retail |
Total credit plafond > IDR500 billion |
| Retail | Working capital loans and investment loans for non-MSMEs and non-corporate |
Total credit plafond < IDR500 billion |
Note :
Historikal SBDK 31 December 2024 - 30 January 2025
Prime Lending Rate Rupiah (Prime Lending Rate)
PT Bank Central Asia Tbk
Effective From December 31, 2024
|
Data Period: |
Non-MSMEs Loan | MSMEs Loan |
Housing Loan |
Non-Housing Loan |
|||
|
Corporate |
Retail |
Medium |
Small |
Micro |
|||
| Cost of Fund (HPDK) (%) | 1.13 | 1.13 |
1.13 | 1.13 | 1.13 | 1.13 | 1.13 |
| Overhead Cost (%) | 3.07 | 4.13 | 4.18 | 4.11 | 4.00 | 3.68 | 5.03 |
| Profit Margin (%) | 3.58 | 3.04 | 3.09 | 3.09 | 3.09 | 4.65 | 1.27 |
| Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin) (HPDK + Overhead + Margin) | 7.78 | 8.30 | 8.40 | 8.33 | 8.22 | 9.46 | 7.43 |
| Category | Definition |
Indicator/Criteria |
| Corporate | Working capital loans and investment loans for non-MSMEs and non-retail |
Total credit plafond > IDR500 billion |
| Retail | Working capital loans and investment loans for non-MSMEs and non-corporate |
Total credit plafond < IDR500 billion |
Note :
Historikal SBDK 30 November 2024 - 30 December 2024
Prime Lending Rate Rupiah (Prime Lending Rate)
PT Bank Central Asia Tbk
Effective From November 30, 2024
|
Data Period: |
Non-MSMEs Loan | MSMEs Loan |
Housing Loan |
Non-Housing Loan |
|||
|
Corporate |
Retail |
Medium |
Small |
Micro |
|||
| Cost of Fund (HPDK) (%) | 1.13 | 1.13 |
1.13 | 1.13 | 1.13 | 1.13 | 1.13 |
| Overhead Cost (%) | 3.07 | 4.14 | 4.18 | 4.11 | 4.01 | 3.68 | 4.99 |
| Profit Margin (%) | 3.58 | 3.04 | 3.09 | 3.09 | 3.09 | 4.65 | 1.27 |
| Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin) (HPDK + Overhead + Margin) | 7.78 | 8.31 | 8.40 | 8.33 | 8.23 | 9.46 | 7.39 |
| Category | Definition |
Indicator/Criteria |
| Corporate | Working capital loans and investment loans for non-MSMEs and non-retail |
Total credit plafond > IDR500 billion |
| Retail | Working capital loans and investment loans for non-MSMEs and non-corporate |
Total credit plafond < IDR500 billion |
Note :
Historikal SBDK 31 Oktober 2024 - 29 November 2024
Prime Lending Rate Rupiah (Prime Lending Rate)
PT Bank Central Asia Tbk
Effective From October 31, 2024
|
Data Period: |
Non-MSMEs Loan | MSMEs Loan |
Housing Loan |
Non-Housing Loan |
|||
|
Corporate |
Retail |
Medium |
Small |
Micro |
|||
| Cost of Fund (HPDK) (%) | 1.13 | 1.13 |
1.13 | 1.13 | 1.13 | 1.13 | 1.13 |
| Overhead Cost (%) | 3.06 | 4.16 | 4.20 | 4.14 | 4.02 | 3.67 | 4.98 |
| Profit Margin (%) | 3.58 | 3.04 | 3.09 | 3.09 | 3.09 | 4.65 | 1.27 |
| Suku Bunga Dasar Kredit (SBDK) (%)
(HPDK + Overhead + Margin) |
7.77 | 8.33 | 8.42 | 8.36 | 8.24 | 9.45 | 7.38 |
| Category | Definition |
Indicator/Criteria |
| Corporate | Working capital loans and investment loans for non-MSMEs and non-retail |
Total credit plafond > IDR500 billion |
| Retail | Working capital loans and investment loans for non-MSMEs and non-corporate |
Total credit plafond < IDR500 billion |
Note :
Historikal SBDK 1 October 2024 - 30 October 2024
Prime Lending Rate Rupiah (Prime Lending Rate)
PT Bank Central Asia Tbk
Effective From October 1, 2024
|
Data Period: |
Non-MSMEs Loan | MSMEs Loan |
Housing Loan |
Non-Housing Loan |
|||
|
Corporate |
Retail |
Medium |
Small |
Micro |
|||
| Cost of Fund (HPDK) (%) | 1.13 | 1.13 |
1.13 | 1.13 | 1.13 | 1.13 | 1.13 |
| Overhead Cost (%) | 3.72 | 4.69 | 4.75 | 4.65 | 4.51 | 4.53 | 9.70 |
| Profit Margin (%) | 3.60 | 3.60 | 3.60 | 3.60 | 3.60 | 3.60 | 3.60 |
| Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin) (HPDK + Overhead + Margin) | 8.45 | 9.42 | 9.48 | 9.38 | 9.24 | 9.26 | 14.43 |
| Category | Definition |
Indicator/Criteria |
| Corporate | Working capital loans and investment loans for non-MSMEs and non-retail |
Total credit plafond > IDR500 billion |
| Retail | Working capital loans and investment loans for non-MSMEs and non-corporate |
Total credit plafond < IDR500 billion |
Note:
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