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