I. Quantitative* Disclosure
Data of Period 31 March 2025 |
Non SME Loan |
SME Loan |
Mortgage (KPR/ KPA) |
Non Mortgage/Non KPA |
|||
Corporate |
Retail |
Medium |
Small |
Micro |
|||
Cost of Funds (%) | 4.78 | 4.78 | 4.78 | 4.78 | N/A | 4.78 | 4.78 |
Overhead Cost (%) | 2.44 | 3.93 | 3.93 | 3.93 | N/A | 4.13 | 4.55 |
Profit Margin (%) | 0.59 | 0.95 | 0.95 | 0.95 | N/A | 0.73 | 1.10 |
Prime Lending Rate (PLR) (%) (Cost of Funds+Overhead Cost+Profit Margin)** | 7.81 | 9.66 | 9.66 | 9.66 | N/A | 9.64 | 10.43 |
II. Qualitative* Disclosure
Category | Definition of Credit Category | Indicator/Criteria of Credit Category |
Corporate | Working Capital and Investment Loans for non - SME and non-retail | Total loan facility limit > IDR450 billions |
Retail | Working Capital and Investment Loans for non - SME and non-corporate | Total loan facility limit ≤ IDR450 billions |
Note :
*) In accordance with POJK No. 13 of 2024 regarding the Transparency and Publication of the Prime Lending Rate for Conventional Commercial Banks.
**) If there is a discrepancy in the total amount informed, it is due to rounding off decimal places.