SBDK

Struktur yang terorganisir untuk mendukung operasional dan layanan terbaik bagi nasabah.

Rupiah Prime Lending Rate
May 31, 2025 (effective % per year)

I. Quantitative Disclosure

 

Periode Data May 2025 Kredit Non UMKN Kredit UMKM KPR/ KPA Non KPR/ Non KPA
Corporate Ritel Middle Small Mikro
Basic Credit Cost (HPDK) (%) 5,94 5,94 5,94 5,94 5,94 5,94 5,94
Overhead Cost (%) 2,97 3,07 3,03 3,17 3,37 3,15 3,87
Profit Margin (%) 0,71 0,71 0,71 0,71 0,71 0,71 0,71
Suku Bunga Dasar Kredit (SBDK) (%) (HPDK+Overhead+Margin) 9,61 9,71 9,67 9,81 10,01 9,79 10,51



II. Qualitative Disclosure

Category Definition of Loan Category Indicators/Criteria of Loan Category
Corporate Loan provision aimed at corporate scale with a loan ceiling of more than IDR 200 billion Loan ceiling > IDR 200 billion
Retail Loan provision intended outside the Corporate, Medium, Small, Micro, KPR or Unsecured Loan (Non KPR) Categories with a loan ceiling limit of less than IDR 200 billion Loan ceiling < IDR 200 billion

 

Annotation :

  • The Basic Credit Interest Rate (SBDK) is used as the basis for determining the credit interest rate that will be charged by the Bank to customers. SBDK does not take into account the estimated risk premium component, the amount of which depends on the Bank's assessment of the risk of each debtor or group of debtors. Thus, the amount of credit interest charged to debtors is not necessarily the same as the SBDK.
  • Non-KPR consumer credit consists of Unsecured Credit, Motor Vehicle Credit and Multipurpose Credit.

 

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Bank INA is licensed and supervised by the Otoritas Jasa Keuangan & Bank Indonesia and is a participant in the LPS guarantee program.