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Prime Lending Rate (SBDK)
Bank Sinarmas

Effective from 1 January 2025

(effective % p.a.)

Data Period:
October 2024		 Non-MSMEs Loan MSMEs Loan Housing Loan Non-Housing Loan
Corporate Retail Medium Small Micro
Cost of Fund (HPDK) (%) 2.53 2.53 2.53 2.53 2.53 2.53 2.53
Overhead Cost (%) 4.54 4.66 4.71 4.71 5.56 4.82 4.82
Profit Margin (%) 3.00 2.00 3.00 3.00 3.00 0.50 3.00
Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin) (HPDK + Overhead + Margin) 10.07 9.19 10.24 10.24 11.09 7.85 10.35
Category Definition Indicator/Criteria
Corporate Loan for working capital and/or investment given to debtors who meet the criteria for the Corporate segment at Bank Sinarmas Total credit plafond > IDR75 billion
Ritel Loan for working capital and/or investment given to debtors who do not meet the criteria for Corporate segment at Bank Sinarmas Total credit plafond < IDR75 billion

Information:

  1. Prime Lending Rate is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.
  3. Prime Lending Rate for Housing Loan is variable (floating) rate.
  4. Prime Lending Rate for non-Housing Loan refers to the Prime Lending Rate for consumer loan other than Housing Loan.

Historical Prime Lending Rate

Period Non-MSMEs Loan MSMEs Loan Housing Loan Non-Housing Loan
Corporate Retail Medium Small Micro
Effective Effective 01 December 2024 - 31 December 2024 10.07 9.19 10.24 10.24 11.09 7.85 10.35
Effective 01 November 2024 - 30 November 2024 10.21 9.93 10.39 10.39 11.29 8.00 10.50
Effective August 2023 - October 2024 10.50 11.00 N/A N/A 14.00 8.00 10.50

*Effective % p.a.

Head Office Sinar Mas Land Plaza
Jl. M.H Thamrin kav 51,
Menara 1, Lantai 1 & 2,
Jakarta 10350 - Indonesia
Help Center FAQ Lebih dekat dengan kami SBDK Kebijakan KARIR
Bank Sinarmas CARE 1500153
(021) 501 88888
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