Prime Lending Rate

Last updated March 25, 2026

1. Quantitative Disclosure
(effective % per annum)

Data Period Feb 2026 Non-MSME Credit MSME Credit Mortgage
(KPR/KPA)		 Non-Mortgage/
Non-KPA
Corporate Retail Medium Small Micro
Basic Cost of Credit (%) 2.99% 2.99% 2.99% 2.99% 2.99% 2.99% 2.99%
Overhead Cost (%) 2.68% 2.23% 3.05% 4.06% 7.14% 5.19% 4.06%
Profit Margin (%) 1.43% 2.46% 2.08% 2.57% 2.65% 0.93% 2.02%
Prime Lending Rate (SBDK) (%)
(Basic Cost+Overhead+Margin)		 7.10% 7.68% 8.12% 9.62% 12.78% 9.11% 9.07%

2. Qualitative Disclosure

Category Definition Indicator / Criteria
Corporate Credit granted to Business Entities or companies that meet the criteria of the Corporate segment at Bank Jatim Ceiling > Rp 100 Billion
Retail Credit granted to Business Entities or companies not included in the corporate segment classification in Bank Jatim's segmentation provisions, but not included in the medium, small, and micro segments. Ceiling > Rp 500 Million up to 50 Billion


Notes :

1. The attached Prime Lending Rate (SBDK) information refers to OJK Regulation No. 13 of 2024, using the September 2024 Report database and considering market interest rate developments. SBDK may change in accordance with OJK Regulation No. 13/2024.

2. SBDK is determined by the Bank based on various factors, including the benchmark interest rate set by the authorized authority, cost of funds for credit, overhead costs, profit margin, and economic condition developments.

3. SBDK does not yet account for the estimated risk premium component, the magnitude of which depends on the Bank's risk assessment for each debtor or group of debtors. Thus, the Lending Interest Rate (SBK) charged to customers may differ from the SBDK calculation.

4. SBDK excludes the distribution of credit with special rates, promotional interest rates, fixed rates for a certain period, interest rates for employees for welfare purposes, and the like.

5. The applicable SBDK information at any time can be found in publications on the Bank's website and/or at every Bank branch.

  • Historical SBDK January 2026

    • 1. Quantitative Disclosure

    • Data Period Dec 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.29% 3.29% 3.29% 3.29% 3.29% 3.29% 3.29%
      Overhead Cost (%) 2.32% 1.94% 2.64% 3.52% 6.20% 4.50% 3.52%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Basic Cost+Overhead+Margin)      		 6.92% 7.49% 7.84% 9.16% 11.91% 8.64% 8.66%
  • Historical SBDK December 2025

    • 1. Quantitative Disclosure

    • Data Period Dec 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.29% 3.29% 3.29% 3.29% 3.29% 3.29% 3.29%
      Overhead Cost (%) 2.32% 1.94% 2.64% 3.52% 6.20% 4.50% 3.52%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Basic Cost+Overhead+Margin)      		 6.92% 7.49% 7.84% 9.16% 11.91% 8.64% 8.66%
  • Historical SBDK November 2025

    • 1. Quantitative Disclosure

    • Data Period Nov 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.36% 3.36% 3.36% 3.36% 3.36% 3.36% 3.36%
      Overhead Cost (%) 2.47% 2.05% 2.80% 3.73% 6.57% 4.78% 3.73%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Basic Cost+Overhead+Margin)      		 7.14% 7.67% 8.07% 9.44% 12.35% 8.99% 8.94%
  • Historical SBDK October 2025

    • 1. Quantitative Disclosure

    • Data Period Oct 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.37% 3.37% 3.37% 3.37% 3.37% 3.37% 3.37%
      Overhead Cost (%) 2.47% 2.06% 2.81% 3.75% 6.60% 4.80% 3.75%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Basic Cost+Overhead+Margin)      		 7.15% 7.69% 8.09% 9.47% 12.39% 9.02% 8.97%
  • Historical SBDK September 2025

    • 1. Quantitative Disclosure

    • Data Period Sep 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.44% 3.44% 3.44% 3.44% 3.44% 3.44% 3.44%
      Overhead Cost (%) 2.43% 2.02% 2.76% 3.68% 6.47% 4.70% 3.68%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Basic Cost+Overhead+Margin)      		 7.18% 7.72% 8.11% 9.47% 12.33% 8.99% 8.97%
  • Historical SBDK August 2025

    • 1. Quantitative Disclosure

    • Data Period Aug 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.44% 3.44% 3.44% 3.44% 3.44% 3.44% 3.44%
      Overhead Cost (%) 2.43% 2.02% 2.76% 3.67% 6.48% 4.71% 3.67%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Basic Cost+Overhead+Margin)      		 7.18% 7.72% 8.11% 9.46% 12.34% 9.00% 8.96%
  • Historical SBDK July 2025

    • 1. Quantitative Disclosure

    • Data Period Jul 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.35% 3.35% 3.35% 3.35% 3.35% 3.35% 3.35%
      Overhead Cost (%) 2.44% 2.03% 2.77% 3.68% 6.50% 4.75% 3.68%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Basic Cost+Overhead+Margin)      		 7.10% 7.64% 8.03% 9.38% 12.27% 8.95% 8.88%
  • Historical SBDK June 2025

    • 1. Quantitative Disclosure

    • Data Period Jun 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.37% 3.37% 3.37% 3.37% 3.37% 3.37% 3.37%
      Overhead Cost (%) 2.38% 2.00% 2.71% 3.61% 6.35% 4.62% 3.61%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Basic Cost+Overhead+Margin)      		 7.06% 7.63% 7.99% 9.33% 12.14% 8.84% 8.83%
  • Historical SBDK May 2025

    • 1. Quantitative Disclosure

    • Data Period May 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.38% 3.38% 3.38% 3.38% 3.38% 3.38% 3.38%
      Overhead Cost (%) 2.35% 1.96% 2.68% 3.56% 6.28% 4.56% 3.56%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Basic Cost+Overhead+Margin)      		 7.04% 7.60% 7.97% 9.29% 12.08% 8.79% 8.79%
  • Historical SBDK April 2025

    • 1. Quantitative Disclosure

    • Data Period Apr 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.38% 3.38% 3.38% 3.38% 3.38% 3.38% 3.38%
      Overhead Cost (%) 2.35% 1.96% 2.68% 3.56% 6.28% 4.56% 3.56%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Basic Cost+Overhead+Margin)      		 7.04% 7.60% 7.97% 9.29% 12.08% 8.79% 8.79%
  • Historical SBDK March 2025

    • 1. Quantitative Disclosure

    • Data Period Mar 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.44% 3.44% 3.44% 3.44% 3.44% 3.44% 3.44%
      Overhead Cost (%) 2.31% 1.94% 2.62% 3.50% 6.15% 4.48% 3.50%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Basic Cost+Overhead+Margin)      		 7.06% 7.64% 7.97% 9.29% 12.01% 8.77% 8.79%
  • Historical SBDK February 2025

    • 1. Quantitative Disclosure

    • Data Period Feb 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40%
      Overhead Cost (%) 2.48% 2.07% 2.82% 3.77% 6.62% 4.83% 3.77%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%) 7.19% 7.73% 8.13% 9.52% 12.44% 9.08% 9.02%
  • Historical SBDK January 2025

    • 1. Quantitative Disclosure

    • Data Period Dec 2025 Non-MSME Credit MSME Credit Mortgage
      (KPR/KPA)      		 Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.66% 3.66% 3.66% 3.66% 3.66% 3.66% 3.66%
      Overhead Cost (%) 2.46% 2.05% 2.79% 3.72% 6.55% 4.76% 3.72%
      Profit Margin (%) 1.82% 3.12% 2.64% 3.25% 3.35% 1.18% 2.56%
      Prime Lending Rate (SBDK) (%) 7.94% 8.83% 9.09% 10.63% 13.56% 9.60% 9.94%