Prime Lending Rate
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Prime Lending Rate (PLR)
Data Period:
Jul 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 (%)

2.72%

2.72%

2.72%

2.72%

N/A

2.72%

2.72%

Profit Margin (%)

1.17%

1.67%

2.17%

2.17%

N/A

0.67%

1.92%

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.

Effective 1 Sep 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. At anytime prevailing SBDK information can be seen through the Bank’s notification in each branch and/or website (www.danamon.co.id).
  4. If needed, at any time the Bank can change SBDK information.

Historical Benchmark Interest Rate

2025

August 2025
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Prime Lending Rate IDR (SBDK)
Bank Danamon Indonesia

Data Period:
Jun 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 (%)

2.75%

2.75%

2.75%

2.75%

N/A

2.75%

2.75%

Profit Margin (%)

1.14%

1.64%

2.14%

2.14%

N/A

0.64%

1.89%

Prime Lending Rate (%)
(Cost of Funding + Overhead Cost + Profit Margin)

8.50%

9.00%

9.50%

9.50%

N/A

8.00%

9.25%
July 2025
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Prime Lending Rate IDR (SBDK)
Bank Danamon Indonesia

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

8.50%

9.00%

9.50%

9.50%

N/A

8.00%

9.25%
June 2025
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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 (%)
(Cost of Funding + Overhead Cost + Profit Margin)

8.50%

9.00%

9.50%

9.50%

N/A

8.00%

9.25%
May 2025
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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 (%)
(Cost of Funding + Overhead Cost + Profit Margin)

8.50%

9.00%

9.50%

9.50%

N/A

8.00%

9.25%
April 2025
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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 (%)
(Cost of Funding + Overhead Cost + Profit Margin)

8.50%

9.00%

9.50%

9.50%

N/A

8.00%

9.25%
March 2025
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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 (%)
(Cost of Funding + Overhead Cost + Profit Margin)

8.50%

9.00%

9.50%

9.50%

N/A

8.00%

9.25%
February 2025
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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%
Januari 2025
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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

December 2024
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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%
November 2024
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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%

October 2024
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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%

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