I. Quantitative Disclosure*
Data of Period 31 May 2025 |
NonUMKM Credit |
UMKM Credit |
Mortgage (KPR/ KPA) |
Non Mortgage/Non KPA |
|||
Corporate |
Retail |
Medium |
Small |
Micro |
|||
Cost of Funds (%) | 4.70 | 4.70 | 4.70 | 4.70 | N/A | 4.70 | 4.70 |
Overhead Cost (%) | 2.52 | 3.83 | 3.83 | 3.83 | N/A | 4.12 | 4.37 |
Profit Margin (%) | 0.34 | 0.87 | 0.87 | 0.87 | N/A | 0.57 | 1.11 |
Prime Lending Rate (PLR) (%) (Cost of Funds+Overhead Cost+Profit Margin)** | 7.56 | 9.41 | 9.41 | 9.41 | N/A | 9.39 | 10.18 |
II. Qualitative Disclosure*
Category | Definition of Credit Category | Indicator/Criteria of Credit Category |
Corporate | Working Capital and Investment Loans for non-UMKM and non-retail | Total loan facility limit > IDR450 billions |
Retail | Working Capital and Investment Loans for non-UMKM and non-corporate | Total loan facility limit ≤ IDR450 billions |
Note :
*) In accordance with POJK No. 13 of 2024 regarding the Transparency and Publication of the Prime Lending Rate for Conventional Commercial Banks.
**) If there is a discrepancy in the total amount informed, it is due to rounding off decimal places.