Data Period: May 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.61% |
4.61% |
4.61% |
4.61% |
N/A |
4.61% |
4.61% |
Overhead Cost (%) |
2.77% |
2.77% |
2.77% |
2.77% |
N/A |
2.77% |
2.77% |
Profit Margin (%) |
1.12% |
1.62% |
2.12% |
2.12% |
N/A |
0.62% |
1.87% |
Prime Lending Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: May 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.61% |
4.61% |
4.61% |
4.61% |
N/A |
4.61% |
4.61% |
Overhead Cost (%) |
2.77% |
2.77% |
2.77% |
2.77% |
N/A |
2.77% |
2.77% |
Profit Margin (%) |
1.12% |
1.62% |
2.12% |
2.12% |
N/A |
0.62% |
1.87% |
Prime Lending Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: May 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.61% |
4.61% |
4.61% |
4.61% |
N/A |
4.61% |
4.61% |
Overhead Cost (%) |
2.77% |
2.77% |
2.77% |
2.77% |
N/A |
2.77% |
2.77% |
Profit Margin (%) |
1.12% |
1.62% |
2.12% |
2.12% |
N/A |
0.62% |
1.87% |
Prime Lending Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Category |
Definition of Credit Category |
Indicators/Criteria of Credit Category |
Corporate |
Working capital loans and/or investment loans that meet the Corporate segment criteria at BDI. |
Plafond for debtors with annual sales turnover > IDR 200 billion. |
Retail |
Working capital loans and/or investment loans that are not included in the Corporate segment in the BDI Corporate segmentation provisions, but are not included in the medium, small and micro segments according to applicable regulations. |
Plafond for debtors with annual sales turnover ≤ IDR 200 billion. |
Category |
Definition of Credit Category |
Indicators/Criteria of Credit Category |
Corporate |
Working capital loans and/or investment loans that meet the Corporate segment criteria at BDI. |
Plafond for debtors with annual sales turnover > IDR 200 billion. |
Retail |
Working capital loans and/or investment loans that are not included in the Corporate segment in the BDI Corporate segmentation provisions, but are not included in the medium, small and micro segments according to applicable regulations. |
Plafond for debtors with annual sales turnover ≤ IDR 200 billion. |
Category |
Definition of Credit Category |
Indicators/Criteria of Credit Category |
Corporate |
Working capital loans and/or investment loans that meet the Corporate segment criteria at BDI. |
Plafond for debtors with annual sales turnover > IDR 200 billion. |
Retail |
Working capital loans and/or investment loans that are not included in the Corporate segment in the BDI Corporate segmentation provisions, but are not included in the medium, small and micro segments according to applicable regulations. |
Plafond for debtors with annual sales turnover ≤ IDR 200 billion. |
Effective 1 Jul 2025
Remarks :
Historical Benchmark Interest Rate
2025
Prime
Lending Rate IDR (SBDK)
Bank Danamon Indonesia
Data Period: April 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Overhead Cost (%) |
2.81% |
2.81% |
2.81% |
2.81% |
N/A |
2.81% |
2.81% |
Profit Margin (%) |
1.09% |
1.59% |
2.09% |
2.09% |
N/A |
0.59% |
1.84% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: April 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Overhead Cost (%) |
2.81% |
2.81% |
2.81% |
2.81% |
N/A |
2.81% |
2.81% |
Profit Margin (%) |
1.09% |
1.59% |
2.09% |
2.09% |
N/A |
0.59% |
1.84% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: April 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Overhead Cost (%) |
2.81% |
2.81% |
2.81% |
2.81% |
N/A |
2.81% |
2.81% |
Profit Margin (%) |
1.09% |
1.59% |
2.09% |
2.09% |
N/A |
0.59% |
1.84% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Prime
Lending Rate IDR (SBDK)
Bank Danamon Indonesia
Data Period: March 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Overhead Cost (%) |
2.86% |
2.86% |
2.86% |
2.86% |
N/A |
2.86% |
2.86% |
Profit Margin (%) |
1.04% |
1.54% |
2.04% |
2.04% |
N/A |
0.54% |
1.79% |
Prime Lending Rate
(%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: March 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Overhead Cost (%) |
2.86% |
2.86% |
2.86% |
2.86% |
N/A |
2.86% |
2.86% |
Profit Margin (%) |
1.04% |
1.54% |
2.04% |
2.04% |
N/A |
0.54% |
1.79% |
Prime Lending Rate
(%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: March 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Overhead Cost (%) |
2.86% |
2.86% |
2.86% |
2.86% |
N/A |
2.86% |
2.86% |
Profit Margin (%) |
1.04% |
1.54% |
2.04% |
2.04% |
N/A |
0.54% |
1.79% |
Prime Lending Rate
(%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Prime
Lending Rate IDR (SBDK)
Bank Danamon Indonesia
Data Period: February 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.66% |
4.66% |
4.66% |
4.66% |
N/A |
4.66% |
4.66% |
Overhead Cost (%) |
3.01% |
3.01% |
3.01% |
3.01% |
N/A |
3.01% |
3.01% |
Profit Margin (%) |
0.83% |
1.33% |
1.83% |
1.83% |
N/A |
0.33% |
1.58% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: February 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.66% |
4.66% |
4.66% |
4.66% |
N/A |
4.66% |
4.66% |
Overhead Cost (%) |
3.01% |
3.01% |
3.01% |
3.01% |
N/A |
3.01% |
3.01% |
Profit Margin (%) |
0.83% |
1.33% |
1.83% |
1.83% |
N/A |
0.33% |
1.58% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: February 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.66% |
4.66% |
4.66% |
4.66% |
N/A |
4.66% |
4.66% |
Overhead Cost (%) |
3.01% |
3.01% |
3.01% |
3.01% |
N/A |
3.01% |
3.01% |
Profit Margin (%) |
0.83% |
1.33% |
1.83% |
1.83% |
N/A |
0.33% |
1.58% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Prime
Lending Rate IDR (SBDK)
Bank Danamon Indonesia
Data Period: January 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.72% |
4.72% |
4.72% |
4.72% |
N/A |
4.72% |
4.72% |
Overhead Cost (%) |
2.98% |
2.98% |
2.98% |
2.98% |
N/A |
2.98% |
2.98% |
Profit Margin (%) |
0.80% |
1.30% |
1.80% |
1.80% |
N/A |
0.30% |
1.55% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: January 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.72% |
4.72% |
4.72% |
4.72% |
N/A |
4.72% |
4.72% |
Overhead Cost (%) |
2.98% |
2.98% |
2.98% |
2.98% |
N/A |
2.98% |
2.98% |
Profit Margin (%) |
0.80% |
1.30% |
1.80% |
1.80% |
N/A |
0.30% |
1.55% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: January 2025 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.72% |
4.72% |
4.72% |
4.72% |
N/A |
4.72% |
4.72% |
Overhead Cost (%) |
2.98% |
2.98% |
2.98% |
2.98% |
N/A |
2.98% |
2.98% |
Profit Margin (%) |
0.80% |
1.30% |
1.80% |
1.80% |
N/A |
0.30% |
1.55% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Prime
Lending Rate IDR (SBDK)
Bank Danamon Indonesia
Data Period: December 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.61% |
4.61% |
4.61% |
4.61% |
N/A |
4.61% |
4.61% |
Overhead Cost (%) |
3.14% |
3.14% |
3.14% |
3.14% |
N/A |
3.14% |
3.14% |
Profit Margin (%) |
0.75% |
1.25% |
1.75% |
1.75% |
N/A |
0.25% |
1.50% |
Prime Lending
Rate
(%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: December 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.61% |
4.61% |
4.61% |
4.61% |
N/A |
4.61% |
4.61% |
Overhead Cost (%) |
3.14% |
3.14% |
3.14% |
3.14% |
N/A |
3.14% |
3.14% |
Profit Margin (%) |
0.75% |
1.25% |
1.75% |
1.75% |
N/A |
0.25% |
1.50% |
Prime Lending
Rate
(%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: December 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.61% |
4.61% |
4.61% |
4.61% |
N/A |
4.61% |
4.61% |
Overhead Cost (%) |
3.14% |
3.14% |
3.14% |
3.14% |
N/A |
3.14% |
3.14% |
Profit Margin (%) |
0.75% |
1.25% |
1.75% |
1.75% |
N/A |
0.25% |
1.50% |
Prime Lending
Rate
(%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Prime
Lending Rate IDR (SBDK)
Bank Danamon Indonesia
Data Period: November 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Overhead Cost (%) |
3.11% |
3.11% |
3.11% |
3.11% |
N/A |
3.11% |
3.11% |
Profit Margin (%) |
0.79% |
1.29% |
1.79% |
1.79% |
N/A |
0.29% |
1.54% |
Prime Lending
Rate
(%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: November 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Overhead Cost (%) |
3.11% |
3.11% |
3.11% |
3.11% |
N/A |
3.11% |
3.11% |
Profit Margin (%) |
0.79% |
1.29% |
1.79% |
1.79% |
N/A |
0.29% |
1.54% |
Prime Lending
Rate
(%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: November 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Overhead Cost (%) |
3.11% |
3.11% |
3.11% |
3.11% |
N/A |
3.11% |
3.11% |
Profit Margin (%) |
0.79% |
1.29% |
1.79% |
1.79% |
N/A |
0.29% |
1.54% |
Prime Lending
Rate
(%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
2024
Prime
Lending Rate IDR (SBDK)
Bank Danamon Indonesia
Data Period: October 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.59% |
4.59% |
4.59% |
4.59% |
N/A |
4.59% |
4.59% |
Overhead Cost (%) |
3.11% |
3.11% |
3.11% |
3.11% |
N/A |
3.11% |
3.11% |
Profit Margin (%) |
0.80% |
1.30% |
1.80% |
1.80% |
N/A |
0.30% |
1.55% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: October 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.59% |
4.59% |
4.59% |
4.59% |
N/A |
4.59% |
4.59% |
Overhead Cost (%) |
3.11% |
3.11% |
3.11% |
3.11% |
N/A |
3.11% |
3.11% |
Profit Margin (%) |
0.80% |
1.30% |
1.80% |
1.80% |
N/A |
0.30% |
1.55% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: October 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.59% |
4.59% |
4.59% |
4.59% |
N/A |
4.59% |
4.59% |
Overhead Cost (%) |
3.11% |
3.11% |
3.11% |
3.11% |
N/A |
3.11% |
3.11% |
Profit Margin (%) |
0.80% |
1.30% |
1.80% |
1.80% |
N/A |
0.30% |
1.55% |
Prime Lending
Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Prime
Lending Rate IDR (SBDK)
Bank Danamon Indonesia
Data Period: September 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.57% |
4.57% |
4.57% |
4.57% |
N/A |
4.57% |
4.57% |
Overhead Cost (%) |
3.15% |
3.15% |
3.15% |
3.15% |
N/A |
3.15% |
3.15% |
Profit Margin (%) |
0.78% |
1.28% |
1.78% |
1.78% |
N/A |
0.28% |
1.53% |
Prime
Lending Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: September 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.57% |
4.57% |
4.57% |
4.57% |
N/A |
4.57% |
4.57% |
Overhead Cost (%) |
3.15% |
3.15% |
3.15% |
3.15% |
N/A |
3.15% |
3.15% |
Profit Margin (%) |
0.78% |
1.28% |
1.78% |
1.78% |
N/A |
0.28% |
1.53% |
Prime
Lending Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: September 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.57% |
4.57% |
4.57% |
4.57% |
N/A |
4.57% |
4.57% |
Overhead Cost (%) |
3.15% |
3.15% |
3.15% |
3.15% |
N/A |
3.15% |
3.15% |
Profit Margin (%) |
0.78% |
1.28% |
1.78% |
1.78% |
N/A |
0.28% |
1.53% |
Prime
Lending Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Prime
Lending Rate IDR (SBDK)
Bank Danamon Indonesia
Data Period: August 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.54% |
4.54% |
4.54% |
4.54% |
N/A |
4.54% |
4.54% |
Overhead Cost (%) |
3.13% |
3.13% |
3.13% |
3.13% |
N/A |
3.13% |
3.13% |
Profit Margin (%) |
0.83% |
1.33% |
1.83% |
1.83% |
N/A |
0.33% |
1.58% |
Prime
Lending Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: August 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.54% |
4.54% |
4.54% |
4.54% |
N/A |
4.54% |
4.54% |
Overhead Cost (%) |
3.13% |
3.13% |
3.13% |
3.13% |
N/A |
3.13% |
3.13% |
Profit Margin (%) |
0.83% |
1.33% |
1.83% |
1.83% |
N/A |
0.33% |
1.58% |
Prime
Lending Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Data Period: August 2024 |
Non UMKM Loan |
UMKM Loan |
Mortgage |
Non Mortgage |
|||
Corporate |
Retail |
Middle |
Small |
Micro |
|||
Cost of fund (%) |
4.54% |
4.54% |
4.54% |
4.54% |
N/A |
4.54% |
4.54% |
Overhead Cost (%) |
3.13% |
3.13% |
3.13% |
3.13% |
N/A |
3.13% |
3.13% |
Profit Margin (%) |
0.83% |
1.33% |
1.83% |
1.83% |
N/A |
0.33% |
1.58% |
Prime
Lending Rate (%) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Menara Bank Danamon Jl. HR Rasuna Said Blok C No. 10 Kelurahan Karet, Kecamatan Setiabudi Jakarta Selatan 12920, Indonesia
. |
Email: hellodanamon@danamon.co.id
The following exchange rates are subject to change without notice. For the latest Currency Info Contact the nearest Danamon branch.
Kurs per 25 July 2025 15:08:45 WIB
Currency | Buy | Sell |
---|---|---|
USDIDR |
16,254
|
16,380
|
SGDIDR |
12,691
|
12,816
|
AUDIDR |
10,601
|
10,850
|
EURIDR |
19,087
|
19,278
|
D-Point is a point reward program for all banking activities conducted by the customer. It is a loyalty program launched by Danamon to reward the customer’s loyalty.