Prime Lending Rate | Bank Danamon

PLR / Prime Lending Rate

Data Period: May 2025	Non UMKM Loan		UMKM Loan			Mortgage	Non Mortgage
Data Period: May 2025	Corporate	Retail	Middle	Small	Micro	Mortgage	Non Mortgage
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 (%) (Cost of Funding + Overhead Cost + Profit Margin)	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
Data Period: May 2025	Corporate	Retail	Middle	Small	Micro	Mortgage	Non Mortgage
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 (%) (Cost of Funding + Overhead Cost + Profit Margin)	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
Data Period: May 2025	Corporate	Retail	Middle	Small	Micro	Mortgage	Non Mortgage
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 (%) (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	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 :

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.
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.
At anytime prevailing SBDK information can be seen through the Bank’s notification in each branch and / or website (www.danamon.co.id).
If needed, at any time the Bank can change SBDK information.

Historical Benchmark Interest Rate

2025