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Prime Lending Rate
Prime Lending Rate
PT Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung
September 2026
A. Quantitative Disclosure
(effective % per year)| COMPONENT | by credit type | ||||||
|---|---|---|---|---|---|---|---|
| non-msme credit | msme credit | kpr/kpa | non kpr/non kpa | ||||
| korporasi | ritel | menengah | kecil | mikro | |||
| Harga Pokok Dana untuk Kredit (HPDK) (%) | 2.66% | 2.66% | 2.66% | 2.66% | 2.66% | 2.66% | 2.66% |
| Biaya Overhead (%) | 2.74% | 3.79% | 4.62% | 4.10% | 3.77% | 4.47% | 3.44% |
| Margin Keuntungan (%) | 1.96% | 2.72% | 3.31% | 2.94% | 2.70% | 3.21% | 2.47% |
| Suku Bunga Dasar Kredit (SBDK) (%) | 7.36% | 9.17% | 10.59% | 9.70% | 9.13% | 10.34% | 8.57% |
B. Qualitative Disclosure
| CATEGORY | Credit Category Definition | Indicator/Criteria of Credit Category |
|---|---|---|
| Korporasi | Jenis Penggunaan Kredit Modal Kerja & Kredit Investasi Non UMKM dan Non Ritel. | Badan Usaha/Badan Hukum, Modal Usaha > Rp. 30 Miliar atau omzet > Rp. 150 Miliar. |
| Ritel | Jenis Penggunaan Kredit Modal Kerja & Kredit Investasi Non UMKM dan Non Korporasi. | Badan Usaha/Badan Hukum Modal Usaha > Rp. 10 Miliar - ≤ Rp. 30 Miliar atau omzet > Rp. 50 Miliar - ≤ Rp. 150 Miliar. |
Notes:
- The Prime Lending Rate (SBDK) is determined by the Bank based on various factors: reference interest rate set by the competent authority, Cost of Funds, Overhead Costs, Profit Margin, and economic conditions.
- The Prime Lending Rate (SBDK) does not yet account for the risk premium estimate component, which depends on the Bank's risk assessment for each debtor or group of debtors.
