Prime Lending Rate
PT. Bank Panin, Tbk. dated since 31 March 2025
a. Quantitativef Explosure
| Periode Data : | Kredit Non UMKM | Kredit UMKM | KPR / KPA | Non KPR / Non KPA | |||
| Korporasi | Ritel | Menengah | Kecil | Mikro | |||
| Harga Pokok Dana Untuk Kredit (HPDK) - % | 4,25 | 4,25 | 4,25 | 4,25 | 4,25 | 4,25 | 4,25 |
| Biaya Overhead - % | 3,48 | 3,48 | 3,48 | 3,48 | 3,48 | 3,48 | 3,48 |
| Margin Keuntungan - % | 1,07 | 1,27 | 1,27 | 1,52 | 1,77 | 0,77 | 0,75 |
| Suku bunga Dasar Kredit (SBDK) - % (HPDK + Overhead + Margin) | 8,80 | 9,00 | 9,00 | 9,25 | 9,50 | 8,50 | 8,48 |
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. | |||
| Retail | Retail 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:
- 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.
- Non-KPR Consumer Credit does not include distribution of funds through credit cards and unsecured loans (KTA).
- 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.
- 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 Vehicles | Credit Term (months) | ||||||
|---|---|---|---|---|---|---|---|
| 6 | 12 | 24 | 36 | 48 | 60 | ||
| Interest Rate (flat)Down Payment ≥ 20% | 0.00% | 2.65% | 2.75% | 2.75% | 3.65% | 4.55% | |
| Commercial Vehicles | Credit Term (months) | |||||
|---|---|---|---|---|---|---|
| 12 | 24 | 36 | 48 | |||
| Interest Rate (flat) | 4.95% | 5.25% | 5.50% | 5.75% | ||
Interest rates are subject to change without prior notice.
| Kredit Express Panin | |
|---|---|
| Period | Interest Rate |
| 12 Months | 0.75%* |
| 24 Months | 0.75%* |
| 36 Months | 0.75%* |
*Interest rate valid 1 March until 30 April 2025.
foot note 1
Prime Lending Rate
PT. Bank Panin, Tbk. dated since 31 March 2025
a. Quantitativef Explosure
| Periode Data : | Kredit Non UMKM | Kredit UMKM | KPR / KPA | Non KPR / Non KPA | |||
| Korporasi | Ritel | Menengah | Kecil | Mikro | |||
| Harga Pokok Dana Untuk Kredit (HPDK) - % | 4,25 | 4,25 | 4,25 | 4,25 | 4,25 | 4,25 | 4,25 |
| Biaya Overhead - % | 3,48 | 3,48 | 3,48 | 3,48 | 3,48 | 3,48 | 3,48 |
| Margin Keuntungan - % | 1,07 | 1,27 | 1,27 | 1,52 | 1,77 | 0,77 | 0,75 |
| Suku bunga Dasar Kredit (SBDK) - % (HPDK + Overhead + Margin) | 8,80 | 9,00 | 9,00 | 9,25 | 9,50 | 8,50 | 8,48 |
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. | |||
| Retail | Retail 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:
- 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.
- Non-KPR Consumer Credit does not include distribution of funds through credit cards and unsecured loans (KTA).
- 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.
- 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 Vehicles | Credit Term (months) | ||||||
|---|---|---|---|---|---|---|---|
| 6 | 12 | 24 | 36 | 48 | 60 | ||
| Interest Rate (flat)Down Payment ≥ 20% | 0.00% | 2.65% | 2.75% | 2.75% | 3.65% | 4.55% | |
| Commercial Vehicles | Credit Term (months) | |||||
|---|---|---|---|---|---|---|
| 12 | 24 | 36 | 48 | |||
| Interest Rate (flat) | 4.95% | 5.25% | 5.50% | 5.75% | ||
Interest rates are subject to change without prior notice.
| Kredit Express Panin | |
|---|---|
| Period | Interest Rate |
| 12 Months | 0.75%* |
| 24 Months | 0.75%* |
| 36 Months | 0.75%* |
*Interest rate valid 1 March until 30 April 2025.
Interest rates are subject to change without prior notice.
