Prime Lending Rate 2024-09-30
BANK OF CHINA (HONG KONG) LIMITED JAKARTA BRANCH
Period: September 30th, 2024
a. Quantitative Disclosure
(effective % per year)
Database: September 2024 |
Non-Micro SME Credit |
Micro SME Credit |
Housing Loan/Apartment Loan |
Non-Housing Loan/Non-Apartment Loan |
|||
Corporation |
Retail |
Micro |
Housing Loan |
Non-Housing Loan |
|||
Cost of Funds for Credit (HPDK) (%) |
3.37 % |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
Overhead Costs (%) |
0.61 % |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
Profit Margin (%) |
2.74 % |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
Prime Lending Rate (SBDK) (%) (Cost of Funds for Credit + Overhead + Margin) |
6.72 % |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
b. Qualitative Disclosure
Category |
Credit Category Definition |
Indicators/Criteria of Credit Category |
Corporation |
Working Capital and Investment Credit |
Corporations or Business entities other than Micro-SME Credit |
Retail |
N/A |
N/A |
Explanation:
a. The attached prime lending rate information refers to OJK regulation No.13 of 2024, using database report as of September 2024 and has considered fluctuated prime lending in the future market.
b. The prime lending rate does not take into account the calculation of the estimated risk premium component, which amount depend on the bank's assessment of the risk of each debtor or group of debtor.
c. Information of the prime lending rate applicable at any time can be seen in publications at each bank office and/or on the website www.bankofchina.co.id