Basic Loan Interest Rate (SBDK)
Prime Lending Rate PT Bank Nationalnobu Tbk
A. Quantitative Disclosure
Valid from 1 January 2026
(effective % per year)
| Data Period December 2025 | Rupiah Credit Basic Interest Rate (Prime Lending Rate) | ||||||
|---|---|---|---|---|---|---|---|
| Based on Credit Type | |||||||
| Kredit Non UMKM | Kredit UMKM | KPR/KPA | Non-KPR/Non-KPA | ||||
| Corporation | Ritel | Intermediate | Small | Micro | |||
| Basic Cost of Credit (HPDK) (%) | N/A | 5,07 | 5,07 | 5,07 | 5,07 | 5,07 | 5,07 |
| Overhead Cost (%) | N/A | 1,07 | 0,13 | 0,07 | 0,02 | 1,75 | 0,02 |
| Profit Margin (%) | N/A | 4,86 | 6,05 | 6,11 | 8,90 | 3,17 | 8,90 |
| Basic Loan Interest Rate (SBDK) (%) (HPDK + Overhead + Margin) | N/A | 11,00 | 11,25 | 11,25 | 13,99 | 9,99 | 13,99 |
B. Qualitative Disclosure
| Category | Definition of Credit Categories | Indicators/Criteria for Credit Categories |
|---|---|---|
| Corporation | Working capital credit and non-MSME and non-retail investment credit | N/A |
| Retail | Working capital credit and non-MSME and non-retail investment credit | Total credit plafond ≤ IDR 500 billion |
Information:
- Basic Credit Interest Rate (SBDK) is determined by the Bank based on various factors, including the reference interest rate set by the competent authority, the basic price of funds for credit (cost of funds), overhead costs, profit margins, and developments in economic conditions.
- Basic Credit Interest Rate (SBDK) does not take into account the estimated risk premium component, the amount of which depends on the Bank's assessment of the risk for each debtor or group of debtors.
- SBDK information that is valid at any time can be seen in publications at each Bank office and/or on the Bank's website.
