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Prime Lending Rate
Prime Lending Rate
PT Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung
July 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) (%) | 2.60% | 2.60% | 2.60% | 2.60% | 2.60% | 2.60% | 2.60% |
| Biaya Overhead (%) | 2.76% | 3.96% | 4.76% | 4.18% | 3.91% | 4.57% | 3.54% |
| Margin Keuntungan (%) | 1.92% | 2.77% | 3.32% | 2.92% | 2.74% | 3.19% | 2.48% |
| Suku Bunga Dasar Kredit (SBDK) (%) | 7.28% | 9.33% | 10.68% | 9.70% | 9.25% | 10.36% | 8.62% |
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.
