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Prime Lending Rate

RUPIAH CREDIT BASIC INTEREST RATE (Prime Lending Rate)

PT BANK JTRUST INDONESIA Tbk.

Effective January 2025

(% per year)

Periode Data:
December 2024 		Non-MSME Credit MSMEs KPR / KPA Non KPR / Non KPA
Corporate Credit Retail Credit Medium Small Micro
Cost of Fund (HPDK) (%) 7.06 % 7.06 % 7.06 % 7.06 % 7.06 % 7.06 % 7.06 %
Overhead Cost (%) 0.23 % 0.19 % 0.17 % 0.12 % 0.12 % 0.19 % 0.11 %
Profit Margin (%) 4.47 % 5.51 % 5.52 % 5.58 % 5.58 % 4.51 % 5.34 %
Prime Lending Rate (SBDK) (%) (HPDK+ Overhead+ Margin) 11.75 % 12.75 % 12.75 % 12.75 % 12.75 % 11.75 % 12.50 %
Category Definition of Credit Categories Indicators/Criteria for Credit Categories
Corporate Loans to Business Entities that meet the criteria of Corporate segment in Bank JTrust Indonesia Credit Facility > IDR 50 Billion
Retail Working capital and/or investment credit given to debtors who do not meet the Corporate segment criteria at Bank Jtrust Indonesia Credit Facility < IDR 50 Billion

Notes

  1. SBDK is determined by Bank based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margins, and economic conditions.
  2. SBDK above does not include the calculation of the estimated risk premium component of which depends on the Bank's risk assessment for each debtor or group of debtors. Thus, the credit interest rate charged to debtors is not necessarily the same as the prime lending rate.
  3. SBDK for consumer loan other than Housing Loan (non- KPR) does not include for Credit Card and Unsecured Loan (KTA).
  4. SBDK information that is valid can be seen at any time in publications at each Bank office and/or the Bank's website.
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