Amar Bank - Layanan Perbankan Digital Yang Berizin Dan Diawasi OJK

Prime Lending Rate (SBDK)

PT Bank Amar Indonesia Tbk.

as of Oktober 2024

(Effectif % per annum)

	Non MSME Loan		MSME Loan			Mortgage Loan	Non Mortgage Loan
	Corporate	Retail	Medium	Small	Micro	Mortgage Loan	Non Mortgage Loan
Cost of Fund (HPDK) (%)	5.35%	N/A	5.35%	N/A	5.35%	N/A	5.35%
Overhead Cost (%)	2.12%	N/A	2.39%	N/A	15.93%	N/A	15.93%
Profit Margin (%)	2.00%	N/A	2.00%	N/A	2.00%	N/A	2.00%
Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin)	9.65%	N/A	9.92%	N/A	23.46%	N/A	23.46%

Kategori

Definisi Kategori Kredit

Indikator/Kriteria dari Kategori Kredit

Corporate

Corporate Loan is loan given to non-retail, non-MSME debtors, in the form of working capital and investment loans.

Kredit Produktif,

Plafon ≥ Rp 5 milyar

Retail

Retail Loan is loan given to retail debtors or non-MSME individuals, in the form of working capital or consumer loans.

N/A

Note:

1. Prime Lending Rate (SBDK) is determined by the Bank based on various factors, including the reference interest rate set by the regulators, the cost of funds, overhead costs, profit margins, and developments in economic conditions.

2. Prime Lending Rate (SBDK) does not take into account the estimated risk premium component which depends on the Banks assessment of the risk of each debtor or group of debtors. Thus, the lending interest rate for each debtors is not necessarily the same as SBDK.

3. Prime Lending Rate (SBDK) for Non-Mortgage Loan is SBDK for Consumptive Loan other than of Housing Loan, which including Auto Loan, Credit Cards and Uncollateralized Loan (Kredit Tanpa Agunan).