Suku Bunga Dasar Kredit
PT. Bank Panin, Tbk. Tanggal 28 February 2026
a. Pengungkapan Kuantitatif
b. Pengungkapan Kualitatif
Kategori | Definisi Kategori Kredit | Indikator / Kriteria dari Kategori Kredit | |||
|---|---|---|---|---|---|
Korporasi | Kredit korporasi merupakan kredit modal kerja dan kredit investasi nonUMKM dan nonritel yang dikelola oleh Corporate Banking. | Plafond di atas Rp 90 miliar dan/atau dikelola oleh Corporate Banking. | |||
| Ritel | Kredit ritel merupakan kredit modal kerja dan kredit investasi nonUMKM dan nonkorporasi yang dikelola oleh Cabang. | Plafond di bawah Rp 90 miliar dan/atau dikelola oleh Cabang. | |||
Information:
- The Bank determines the SBDK based on various factors, including the benchmark interest rate set by the competent authority, the cost of funds for credit (cost of funds), overhead costs, profit margins, and developments in economic conditions.
- The SBDK does not take into account the estimated risk premium component, the amount of which depends on the Bank's assessment of the risk for each debtor or group of debtors.
- SBDK excludes credit distribution with special interest rates, promotional interest rates, fixed rates for a certain period of time and interest rates for employees for welfare purposes.
- SBDK for KPR/KPA is the effective interest rate over the credit period.
- SBDK for Non-KPR/KPA is the SBDK with the lowest interest rate indication for Consumer Credit Outside of KPR/KPA which includes Credit Cards, Unsecured Credit, Multi-Purpose Credit and Motor Vehicle Credit provided to customers through the Join Financing scheme with PT. Clipan Finance Indonesia Tbk.
Suku Bunga Sebelumnya
| Passenger Vehicles | Credit Term (months) | ||||||
|---|---|---|---|---|---|---|---|
| 6 | 12 | 24 | 36 | 48 | 60 | ||
| Interest Rate (flat)Down Payment ≥ 20% | 0.00% | 1.68% | 2.30% | 2.30% | 3.68% | 4.58% | |
| 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.
Mulai Berlaku 28 July 2025
| Kredit Express Panin | |
|---|---|
| Period | Interest Rate |
| 12 Months | 0.88%* |
| 24 Months | 0.99%* |
| 36 Months | 1.29%* |
*Interest rate valid for Panin Consumer who have had Panin facilities less than 12 months.
| Kredit Express Panin | |
|---|---|
| Period | Interest Rate |
| 12 Months | 0.88%* |
| 24 Months | 0.88%* |
| 36 Months | 1.88%* |
*Interest rate valid for Panin Consumer who have had Panin facilities more than 12 months.
foot note 1
Suku Bunga Dasar Kredit
PT. Bank Panin, Tbk. Tanggal 28 February 2026
a. Pengungkapan Kuantitatif
b. Pengungkapan Kualitatif
Kategori | Definisi Kategori Kredit | Indikator / Kriteria dari Kategori Kredit | |||
|---|---|---|---|---|---|
Korporasi | Kredit korporasi merupakan kredit modal kerja dan kredit investasi nonUMKM dan nonritel yang dikelola oleh Corporate Banking. | Plafond di atas Rp 90 miliar dan/atau dikelola oleh Corporate Banking. | |||
| Ritel | Kredit ritel merupakan kredit modal kerja dan kredit investasi nonUMKM dan nonkorporasi yang dikelola oleh Cabang. | Plafond di bawah Rp 90 miliar dan/atau dikelola oleh Cabang. | |||
Information:
- The Bank determines the SBDK based on various factors, including the benchmark interest rate set by the competent authority, the cost of funds for credit (cost of funds), overhead costs, profit margins, and developments in economic conditions.
- The SBDK does not take into account the estimated risk premium component, the amount of which depends on the Bank's assessment of the risk for each debtor or group of debtors.
- SBDK excludes credit distribution with special interest rates, promotional interest rates, fixed rates for a certain period of time and interest rates for employees for welfare purposes.
- SBDK for KPR/KPA is the effective interest rate over the credit period.
- SBDK for Non-KPR/KPA is the SBDK with the lowest interest rate indication for Consumer Credit Outside of KPR/KPA which includes Credit Cards, Unsecured Credit, Multi-Purpose Credit and Motor Vehicle Credit provided to customers through the Join Financing scheme with PT. Clipan Finance Indonesia Tbk.
Suku Bunga Sebelumnya
| Passenger Vehicles | Credit Term (months) | ||||||
|---|---|---|---|---|---|---|---|
| 6 | 12 | 24 | 36 | 48 | 60 | ||
| Interest Rate (flat)Down Payment ≥ 20% | 0.00% | 1.68% | 2.30% | 2.30% | 3.68% | 4.58% | |
| 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.
Mulai Berlaku 28 July 2025
| Kredit Express Panin | |
|---|---|
| Period | Interest Rate |
| 12 Months | 0.88%* |
| 24 Months | 0.99%* |
| 36 Months | 1.29%* |
*Interest rate valid for Panin Consumer who have had Panin facilities less than 12 months.
| Kredit Express Panin | |
|---|---|
| Period | Interest Rate |
| 12 Months | 0.88%* |
| 24 Months | 0.88%* |
| 36 Months | 1.88%* |
*Interest rate valid for Panin Consumer who have had Panin facilities more than 12 months.
Interest rates are subject to change without prior notice.
