Rupiah Prime Lending Rate
November 30, 2025 (effective % per year)
I. Quantitative Disclosure
| Periode Data November 2025 | Non-MSME Credit | MSME Credit | KPR/ KPA | Non KPR/ Non KPA | |||
| Corporate | Ritel | Middle | Small | Mikro | |||
| Basic Credit Cost (HPDK) (%) | 5,60 | 5,60 | 5,60 | 5,60 | 5,60 | 5,60 | 5,60 |
| Overhead Cost (%) | 2,76 | 2,86 | 2,82 | 2,96 | 3,16 | 2,94 | 3,66 |
| Profit Margin (%) | 0,71 | 0,71 | 0,71 | 0,71 | 0,71 | 0,71 | 0,71 |
| Basic Credit Interest Rate (SBDK) (%) (HPDK+Overhead+Margin) | 9,05 | 9,15 | 9,11 | 9,25 | 9,45 | 9,23 | 9,95 |
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.
