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Rupiah Prime Lending Rate
Last Updated 31 Oct 2024
Rupiah Prime Lending Rate
1. Quantitative Disclosure
effective % p.a.
| Data Period: September 2024 |
Non-MSMEs Loan | MSMEs Loan | Mortgage | Non Mortgage | |||
|---|---|---|---|---|---|---|---|
| Corporate | Retail | Medium | Small | Micro | |||
| Cost of Fund (HPDK) | 2,94% | NA | 2,94% | 2,94% | 2,94% | 2,94% | 2,94% |
| Overhead Cost | 3,63% | NA | 4,52% | 4,52% | 7,03% | 6,99% | 5,64% |
| Profit Margin | 1,93% | NA | 2,54% | 3,04% | 3,53% | 2,57% | 3,42% |
| Prime Lending Rate (SBDK) (HPDK+Overhead+Margin) |
8.50% | NA | 10.00% | 10.50 | 13.50% | 12.50% | 12.00% |
2. Qualitative Disclosure
| Category | Definition | Indicator / Criteria |
|---|---|---|
| Corporate | Loans for non-MSMEs and non-retail | Gross annual sales > Rp 50 Billion or credit limit up to Rp 100 Billion |
| Retail | Loans for retail category in Bank Mandiri segmentation refers to MSME medium category | NA |
| MSME Medium | Loans for individual or MSMEs business in accordance to POJK No. 13 of 2024. | Working capital > Rp 5 Billion up to Rp 10 Billion and/or gross annual sales > Rp 15 Billion up to Rp 50 Billion |
| MSME Small | Working capital > Rp 1 Billion up to Rp 5 Billion and/or gross annual sales > Rp 2 Billion up to Rp 15 Billion | |
| MSME Micro | Working capital up to Rp 1 Billion and/or gross annual sales up to Rp 2 Billion |
Notes
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Prime Lending Rate only includes conventional bank products with normal interest rates (excluding government programs and special bank programs/promos); Specifically, Prime Lending Rate for Mortgage refers to floating interest rate.
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Prime Lending Rate for Non Mortgage refers to Consumer Credit other than Mortgage, including Auto Loans, Credit Card, and Unsecured Credit (Personal Loan).
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Prime Lending Rate considers various factors, including the Bank's internal policies, reference interest rates set by the Regulator, and developments in economic conditions.
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Prime Lending Rate is a reference in offering and determining credit interest rates, while also considers other supporting factors, including risk assessment for each customer or customer business group.
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Information of the current prime lending rate is also available at our branches, Bank Mandiri website (www.bankmandiri.co.id), and Bank’s digital channel.
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For further information, especially regarding interest rates for customer group categories that are not included in the categories above, please contact Bank’s relationship manager or our nearest branch.