Interest Rates

Prime Lending Rate

PT. Bank Panin, Tbk. dated since 28 February 2025

a. Quantitativef Explosure
28 February 2025


b. Qualitative Disclosure

Category
Credit Category Definition
Indicators / Criteria of Credit Category
   Corporation

Corporate credit is working capital credit and non-MSME and non-retail investment credit managed by Corporate Banking.

Plafond above IDR 90 billion and/or managed by Corporate Banking.

   RetailRetail credit is working capital credit and non-MSME and non-corporate investment credit managed by Branches.  Plafond below IDR 90 billion and/or managed by a Branch.

Information:

  1. Suku Bunga Dasar Kredit (SBDK) used as the basis for determining the loan interest rate to be charged by the Bank to customers. The SBDK has not taken into account the components of the estimated risk premium, the amount of which depends on the Bank's assessment of the risk of each debtor or group of debtors. Thus, the amount of credit interest charged to debtors is not necessarily the same as the SBDK.
  2. Non-KPR Consumer Credit does not include distribution of funds through credit cards and unsecured loans (KTA).
  3. Information on SBDK that is valid at any time can be seen in publications at each Bank office and/or the Bank's website in the event that the bank has a website.
  4. The SBDK for non-mortgage Consumption Loans is the SBDK for Motor Vehicle Loans given to customers through the Join Financing scheme with PT. Clipan Finance Indonesia Tbk.

 

Previous Month's 

 

Passenger VehiclesCredit Term (months)
61224364860
Interest Rate (flat)Down Payment ≥ 20%0.00%2.65%2.75%2.75%3.65%4.55%

 

Commercial VehiclesCredit Term (months)
12243648
Interest Rate (flat)4.95%5.25%5.50%5.75%

Interest rates are subject to change without prior notice.

Kredit Express Panin
PeriodInterest Rate
12 Months0.75%*
24 Months0.75%*
36 Months0.75%*

*Interest rate valid 1 March until 30 April 2025.

foot note 1

Prime Lending Rate

PT. Bank Panin, Tbk. dated since 28 February 2025

a. Quantitativef Explosure
28 February 2025


b. Qualitative Disclosure

Category
Credit Category Definition
Indicators / Criteria of Credit Category
   Corporation

Corporate credit is working capital credit and non-MSME and non-retail investment credit managed by Corporate Banking.

Plafond above IDR 90 billion and/or managed by Corporate Banking.

   RetailRetail credit is working capital credit and non-MSME and non-corporate investment credit managed by Branches.  Plafond below IDR 90 billion and/or managed by a Branch.

Information:

  1. Suku Bunga Dasar Kredit (SBDK) used as the basis for determining the loan interest rate to be charged by the Bank to customers. The SBDK has not taken into account the components of the estimated risk premium, the amount of which depends on the Bank's assessment of the risk of each debtor or group of debtors. Thus, the amount of credit interest charged to debtors is not necessarily the same as the SBDK.
  2. Non-KPR Consumer Credit does not include distribution of funds through credit cards and unsecured loans (KTA).
  3. Information on SBDK that is valid at any time can be seen in publications at each Bank office and/or the Bank's website in the event that the bank has a website.
  4. The SBDK for non-mortgage Consumption Loans is the SBDK for Motor Vehicle Loans given to customers through the Join Financing scheme with PT. Clipan Finance Indonesia Tbk.

 

Previous Month's 

 

Passenger VehiclesCredit Term (months)
61224364860
Interest Rate (flat)Down Payment ≥ 20%0.00%2.65%2.75%2.75%3.65%4.55%

 

Commercial VehiclesCredit Term (months)
12243648
Interest Rate (flat)4.95%5.25%5.50%5.75%

Interest rates are subject to change without prior notice.

Kredit Express Panin
PeriodInterest Rate
12 Months0.75%*
24 Months0.75%*
36 Months0.75%*

*Interest rate valid 1 March until 30 April 2025.

Disclaimer

Interest rates are subject to change without prior notice.