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Prime Lending Rate Rupiah (Prime Lending Rate)

PT Bank Central Asia Tbk

Effective From November 30, 2025

Data Period:
Oktober 2025

 Non-MSMEs Loan MSMEs Loan Housing
Loan		 Non-Housing
Loan

Corporate

Retail

Medium

Small

Micro

Cost of Fund (HPDK) (%)

1.11

1.11

1.11

1.11

1.11

1.11

1.11

Overhead Cost (%)

3.14

4.12

4.57

4.52

3.32

5.12

4.81

Profit Margin (%)

2.75

2.75

2.75

2.75

2.75

2.75

2.75

Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin)

7.00

7.98

8.43

8.38

7.18

8.98

8.67
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

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan, which include Auto Loan, Credit Card, and Uncollateralized Credit (Kredit Tanpa Agunan).

Historikal SBDK 31 October 2025 - 29 November 2025

Prime Lending Rate Rupiah (Prime Lending Rate)

PT Bank Central Asia Tbk

Effective From October 31, 2025

Data Period:
September 2025

 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

4.11

4.56

4.50

3.32

5.12

4.78

Profit Margin (%)

2.75

2.75

2.75

2.75

2.75

2.75

2.75

Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin)

7.01

7.99

8.44

8.38

7.20

9.00

8.66

Historikal SBDK 30 September 2025 - 30 October 2025

Prime Lending Rate Rupiah (Prime Lending Rate)

PT Bank Central Asia Tbk

Effective From September 30, 2025

Data Period:
August 2025

 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 (%)

3.12

4.08

4.54

4.49

3.30

5.10

4.74

Profit Margin (%)

2.75

2.75

2.75

2.75

2.75

2.75

2.75

Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin)

7.00

7.96

8.42

8.37

7.18

8.98

8.62

Historikal SBDK 31 August 2025 - 29 September 2025

Prime Lending Rate Rupiah (Prime Lending Rate)

PT Bank Central Asia Tbk

Effective From August 31, 2025

Data Period:
July 2025

 Non-MSMEs Loan MSMEs Loan Housing
Loan		 Non-Housing
Loan

Corporate

Retail

Medium

Small

Micro

Cost of Fund (HPDK) (%)

1.16

1.16

1.16

1.16

1.16

1.16

1.16

Overhead Cost (%)

3.06

4.12

4.15

4.10

4.14

3.63

4.94

Profit Margin (%)

3.58

3.04

3.09

3.09

3.09

4.65

1.27

Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin)

7.80

8.32

8.40

8.35

8.39

9.44

7.37

Historikal SBDK 31 July 2025 - 30 August 2025

Prime Lending Rate Rupiah (Prime Lending Rate)

PT Bank Central Asia Tbk

Effective From July 31, 2025

Data Period:
June 2025

 Non-MSMEs Loan MSMEs Loan Housing
Loan		 Non-Housing
Loan

Corporate

Retail

Medium

Small

Micro

Cost of Fund (HPDK) (%)

1.16

1.16

1.16

1.16

1.16

1.16

1.16

Overhead Cost (%)

3.08

4.03

4.05

4.02

4.04

3.58

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)

7.82

8.23

8.30

8.27

8.29

9.39

7.65

Historikal SBDK 30 June 2025 - 30 July 2025

Prime Lending Rate Rupiah (Prime Lending Rate)

PT Bank Central Asia Tbk

Effective From June 30, 2025

Data Period:
May 2025

 Non-MSMEs Loan MSMEs Loan Housing
Loan		 Non-Housing
Loan

Corporate

Retail

Medium

Small

Micro

Cost of Fund (HPDK) (%)

1.16

1.16

1.16

1.16

1.16

1.16

1.16

Overhead Cost (%)

3.08

4.05

4.07

4.04

4.06

3.56

5.18

Profit Margin (%)

3.58

3.04

3.09

3.09

3.09

4.65

1.27

Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin)

7.82

8.25

8.32

8.29

8.31

9.37

7.61

Note

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan, which include Auto Loan, Credit Card, and Uncollateralized Credit (Kredit Tanpa Agunan).

Historikal SBDK 31 May 2025 - 29 June 2025

Prime Lending Rate Rupiah (Prime Lending Rate)

PT Bank Central Asia Tbk

Effective From May 31, 2025

Data Period:
April 2025

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 (%) 3.09 4.14 4.16 4.12 4.14 3.57 5.15
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) 7.80 8.31 8.38 8.34 8.36 9.35 7.55

Note

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan, which include Auto Loan, Credit Card, and Uncollateralized Credit (Kredit Tanpa Agunan).

Historikal SBDK 30 April 2025 - 30 May 2025

Prime Lending Rate Rupiah (Prime Lending Rate)

PT Bank Central Asia Tbk

Effective From April 30, 2025

Data Period:
March 2025

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

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan, which include Auto Loan, Credit Card, and Uncollateralized Credit (Kredit Tanpa Agunan).

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:
February 2025

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 :

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan, which include Auto Loan, Credit Card, and Uncollateralized Credit (Kredit Tanpa Agunan).

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:
January 2025

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 :

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan, which include Auto Loan, Credit Card, and Uncollateralized Credit (Kredit Tanpa Agunan).

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:
December 2024

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 :

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan, which include Auto Loan, Credit Card, and Uncollateralized Credit (Kredit Tanpa Agunan).

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:
October 2024

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 :

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan, which include Auto Loan, Credit Card, and Uncollateralized Credit (Kredit Tanpa Agunan).

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:
October 2024

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 :

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan, which include Auto Loan, Credit Card, and Uncollateralized Credit (Kredit Tanpa Agunan).

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:
September 2024

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 :

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan, which include Auto Loan, Credit Card, and Uncollateralized Credit (Kredit Tanpa Agunan).

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:
August 2024

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:

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan, which include Auto Loan, Credit Card, and Uncollateralized Credit (Kredit Tanpa Agunan).
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