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  1. Beranda
  2. Prime Lending Rate

Prime Lending Rate

Effective % per year

RUPIAH CREDIT BASIC INTEREST RATE (Prime Lending Rate)

Effective November 2025

Credit Segment

(% per year)
Data Period:
October 2025 		Non-MSME Credit MSMEs KPR / KPA Non KPR / Non KPA
Corporate Credit Retail Credit Medium Small Micro
Cost of Fund (HPDK) (%) 6.34 % 6.35 % 6.34 % 6.34 % 6.34 % 6.34 % 6.34 %
Overhead Cost (%) 0.28 % 0.21 % 0.18 % 0.12 % 0.12 % 0.21 % 0.11 %
Profit Margin (%) 5.13 % 6.19 % 6.22 % 6.29 % 6.29 % 5.19 % 6.05 %
Prime Lending Rate (SBDK) (%) (HPDK+ Overhead+ Margin) 11.75 % 12.75 % 12.75 % 12.75 % 12.75 % 11.75 % 12.50 %
Category Definition of Credit Categories Indicators/Criteria for Credit Categories
Corporate Loans to Business Entities that meet the criteria of Corporate segment in Bank JTrust Indonesia Credit Facility > IDR 50 Billion
Retail Working capital and/or investment credit given to debtors who do not meet the Corporate segment criteria at Bank Jtrust Indonesia Credit Facility < IDR 50 Billion

Notifications :

  • Prime Lending Rate is a base lending rate used by the Bank as a reference in determining lending rates for customers. Prime Lending Rate does not include credit risk faces by the Bank which depends on the Bank's risk assessment on each individual debtor or group debtors. Therefore, lending rate charged to customers can be different with The Prime Lending Rate.
  • The Prime Lending Rate for Non-Mortgage - Consumer Loan segment is a prime lending rate for customers of Non-Mortgage - Consumer Loan segment, excluding Non-Collateralized Consumer Loans and Credit Card.
  • Information of the current prime lending rate is also available at our branches and J Trust Bank website (www.jtrustbank.co.id).
    *) Corporate lending are loans for productive purposes with amount more than IDR 5 billion
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