Prime Lending Rate
BANK OF CHINA (HONG KONG) LIMITED JAKARTA BRANCH
Periode: 31-January-2025
1. Quantitative Disclosure
(efektif % per year)
Period Date: January 2025
|
Non-MSMEs Loan
|
MSMEs Loan
|
Housing Loan
|
Non-Housing Loan
|
|||
Corporate
|
Retail
|
Medium
|
Small
|
Micro
|
|||
Cost of Fund (HPDK) (%)
|
3.19 %
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Overhead Cost (%)
|
0.44 %
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Profit Margin (%)
|
2.36 %
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin)
|
5.99 %
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
2. Qualitative Disclosure
Category
|
Definition
|
Indicator/Criteria
|
Corporation
|
Working Capital and Investment Credit
|
Corporations or Business Entities other than MSMSs Credit
|
Retail
|
N/A
|
N/A
|
Note:
- Prime Lending Rate (SBDK) is determined based on various factors, including the reference interest rate set by the competent authority, the cost of fund of credit, overhead costs, profit margins, and developments in economic conditions.
- Prime Lending Rate (SBDK) does not include the estimated risk premium of which depend on the Bank’s risk assessment for each debtor or group of debtors.
- 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
