PLR / Prime Lending Rate

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 (%)
(Cost of Funding + Overhead Cost + Profit Margin)

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

Loans given to Business Entities or Companies that meet the criteria for the Corporate segment in BDI.

Plafond for annual sales turnover > IDR 200 billion

Retail

Loans given to Business Entities or Companies that are not included in the classification of the Corporate segment based on the segmentation in BDI, but are not included in the medium, small, and micro segments defined in POJK 13/2024.

Plafond for annual sales turnover ≤ IDR 200 billion.


Effective 1 March 2025

Remarks :

  1. SBDK information above refers to POJK No. 13 of 2024 concerning Transparency and Publication of SBDK for Conventional Commercial Banks. SBDK is used as a base for the interest rate charged by the Bank to debtors. SBDK does not take into account the debtors' individual risk premium component, which depends on the Bank's assessment of the risk of each debtor. Therefore, the amount of interest rate that is charged to debtors is not necessarily equal to SBDK.
  2. SBDK based on various factors, namely: the benchmark interest rate set by the competent authority, the cost of funds, overhead costs, profit margins, and developments in economic conditions.
  3. SBDK as listed above excludes loan with cash collateral.
  4. SBDK consumption loan non mortgage represents primarily SBDK for vehicle loan that granted to customer through joint financing scheme and excluding credit card and unsecured loan.
  5. At anytime prevailing SBDK information can be seen through the Bank’s notification in each branch and / or website (www.danamon.co.id).
  6. If needed, at any time the Bank can change SBDK information.
     

Historical Benchmark Interest Rate

2025

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 (%)
(Cost of Funding + Overhead Cost + Profit Margin)

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 (%)
(Cost of Funding + Overhead Cost + Profit Margin)

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 (%)
(Cost of Funding + Overhead Cost + Profit Margin)

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 (%)
(Cost of Funding + Overhead Cost + Profit Margin)

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 (%)
(Cost of Funding + Overhead Cost + Profit Margin)

8.50%

9.00%

9.50%

9.50%

N/A

8.00%

9.25%