|
Suku Bunga Dasar Kredit (SBDK)
| ||||||
|
Data Posisi Akhir agustus 2013
| ||||||
|
Nama Bank
|
Suku Bunga Dasar Kredit
(%)
| |||||
|
Kredit
|
Kredit
|
Kredit
|
Kredit Konsumsi
| |||
|
Korporasi
|
Ritel
|
Mikro
|
KPR
|
Non KPR
| ||
|
PT BANK MANDIRI
(PERSERO), Tbk
|
10.00
|
12.00
|
22.00
|
10.75
|
12.00
| |
|
PT BANK RAKYAT INDONESIA
(PERSERO), Tbk
|
9.75
|
11.50
|
19.25
|
10.00
|
12.00
| |
|
PT BANK CENTRAL ASIA, Tbk
|
9.25
|
10.60
|
-
|
9.50
|
8.18
| |
|
PT BANK NEGARA INDONESIA
(PERSERO), Tbk
|
10.50
|
12.10
|
12.10
|
10.85
|
13.00
| |
|
PT BANK CIMB NIAGA, Tbk
|
10.05
|
10.75
|
19.00
|
10.80
|
10.45
| |
|
PT BANK PERMATA, Tbk
|
10.25
|
10.50
|
-
|
12.00
|
11.00
| |
|
PT PAN INDONESIA BANK,
Tbk
|
9.81
|
9.81
|
18.03
|
10.31
|
10.31
| |
|
PT BANK DANAMON
INDONESIA, Tbk
|
10.75
|
11.75
|
20.15
|
11.75
|
12.49
| |
|
PT BANK TABUNGAN NEGARA
(PERSERO), Tbk
|
10.50
|
10.75
|
17.75
|
11.00
|
11.50
| |
|
PT BANK INTERNASIONAL
INDONESIA, Tbk
|
10.59
|
11.03
|
-
|
10.52
|
10.77
| |
|
PT BANK OCBC NISP, Tbk
|
10.25
|
11.25
|
-
|
11.50
|
11.50
| |
|
THE BANK OF TOKYO
MITSUBISHI UFJ LTD
|
6.32
|
-
|
-
|
-
|
-
| |
|
THE HONGKONG AND SHANGHAI
BANKING CORP
|
9.00
|
9.00
|
-
|
9.00
|
-
| |
|
CITIBANK NA
|
7.25
|
7.75
|
-
|
-
|
11.50
| |
|
|
7.83
|
10.48
|
17.09
|
8.25
|
10.16
| |
|
PT BANK UOB INDONESIA
|
10.05
|
11.75
|
-
|
10.16
|
-
| |
|
PT BANK TABUNGAN
PENSIUNAN NASIONAL, Tbk
|
-
|
16.76
|
18.67
|
-
|
17.78
| |
|
PT BANK BUKOPIN, Tbk
|
11.07
|
13.46
|
13.92
|
12.12
|
13.14
| |
|
STANDARD CHARTERED BANK
|
8.08
|
8.20
|
-
|
8.34
|
-
| |
|
PT BANK MEGA, Tbk
|
11.25
|
17.25
|
-
|
12.50
|
12.50
| |
|
PT BANK DBS INDONESIA
|
10.48
|
11.20
|
-
|
-
|
-
| |
|
PT BANK SUMITOMO MITSUI
INDONESIA
|
6.52
|
-
|
-
|
-
|
-
| |
|
PT BANK MIZUHO INDONESIA
|
8.75
|
-
|
-
|
-
|
-
| |
|
PT. BPD JAWA TIMUR
|
9.41
|
11.05
|
11.96
|
9.58
|
10.50
| |
|
PT BPD JAWA TENGAH
|
7.22
|
7.57
|
7.10
|
7.06
|
12.07
| |
|
PT ANZ PANIN BANK
|
7.54
|
7.98
|
-
|
9.50
|
9.50
| |
|
BPD KALIMANTAN TIMUR
|
10.67
|
10.67
|
10.67
|
10.87
|
10.87
| |
|
PT BANK ICBC INDONESIA
|
9.75
|
10.75
|
-
|
9.25
|
11.75
| |
|
PT BPD DKI
|
10.25
|
11.85
|
17.50
|
10.80
|
11.60
| |
|
PT BANK EKONOMI RAHARJA,
Tbk
|
11.00
|
11.00
|
-
|
11.00
|
-
| |
|
DEUTSCHE BANK AG.
|
8.00
|
-
|
-
|
-
|
-
| |
|
PT BPD SUMATERA UTARA
|
9.18
|
10.56
|
14.53
|
9.54
|
13.54
| |
|
PT BANK ARTHA GRAHA
INTERNASIONAL, Tbk
|
9.72
|
10.22
|
14.18
|
8.84
|
11.22
| |
|
PT BANK MAYAPADA
INTERNATIONAL, Tbk
|
10.75
|
11.33
|
13.04
|
10.72
|
11.12
| |
|
PT BPD RIAU DAN KEPULAUAN
RIAU
|
11.00
|
11.44
|
11.66
|
11.39
|
11.34
| |
|
PT BPD PAPUA
|
9.70
|
10.17
|
14.64
|
11.39
|
12.78
| |
|
PT BANK COMMONWEALTH
|
10.00
|
11.00
|
-
|
12.50
|
13.00
| |
|
PT BANK VICTORIA
INTERNATIONAL, Tbk
|
11.30
|
11.92
|
13.10
|
10.60
|
12.10
| |
|
PT BANK SINARMAS, Tbk
|
10.46
|
10.46
|
10.46
|
-
|
10.46
| |
|
PT BPD SUMATERA BARAT
|
10.50
|
11.09
|
13.50
|
12.09
|
11.59
| |
|
PT. BANK MUTIARA, Tbk.
|
12.00
|
12.50
|
22.00
|
12.00
|
12.00
| |
|
PT BPD SUMATERA SELATAN
DAN BANGKA BELITUNG
|
10.00
|
12.00
|
15.00
|
11.50
|
12.00
| |
|
PT BANK ACEH
|
11.69
|
11.74
|
11.74
|
11.79
|
11.84
| |
|
PT BPD BALI
|
8.37
|
8.95
|
8.40
|
9.08
|
9.10
| |
|
PT BANK RABOBANK
INTERNATIONAL INDONESIA
|
11.00
|
11.75
|
-
|
11.75
|
12.50
| |
|
JP. MORGAN CHASE BANK,
N.A.
|
7.20
|
-
|
-
|
-
|
-
| |
|
BANK OF CHINA LIMITED
|
6.62
|
6.62
|
6.62
|
-
|
-
| |
|
THE BANGKOK BANK COMP.
LTD
|
10.40
|
-
|
-
|
-
|
-
| |
|
PT BANK RESONA PERDANIA
|
7.85
|
-
|
-
|
-
|
-
| |
|
PT BPD SULAWESI SELATAN
DAN SULAWESI BARAT
|
12.66
|
13.31
|
12.94
|
11.66
|
15.62
| |
|
PT BPD KALIMANTAN SELATAN
|
9.16
|
9.66
|
9.66
|
11.66
|
12.16
| |
|
BPD KALIMANTAN BARAT
|
11.21
|
11.21
|
11.21
|
11.21
|
11.21
| |
|
PT BANK NUSANTARA
PARAHYANGAN,Tbk
|
9.38
|
11.12
|
7.74
|
7.98
|
8.06
| |
|
PT BANK CHINATRUST
INDONESIA
|
9.53
|
10.04
|
-
|
10.04
|
-
| |
|
PT BANK PUNDI INDONESIA,
Tbk
|
-
|
-
|
22.64
|
-
|
-
| |
|
PT BPD NUSA TENGGARA
TIMUR
|
8.48
|
8.49
|
11.15
|
10.83
|
16.93
| |
|
PT BANK MESTIKA DHARMA
|
10.82
|
11.32
|
11.32
|
10.92
|
11.22
| |
|
PT BPD SULAWESI UTARA
|
13.00
|
13.00
|
13.00
|
10.00
|
13.00
| |
|
PT BANK HIMPUNAN SAUDARA
1906, Tbk
|
12.00
|
15.00
|
15.00
|
13.00
|
16.00
| |
|
PT. BANK KESAWAN, Tbk
|
10.00
|
11.50
|
11.50
|
12.00
|
12.00
| |
|
PT BANK ICB BUMIPUTERA,
Tbk
|
10.35
|
10.87
|
13.81
|
10.36
|
10.28
| |
|
PT BANK WINDU KENTJANA
INTERNATIONAL, Tbk
|
11.11
|
11.11
|
-
|
11.11
|
11.11
| |
|
PT BANK HANA
|
9.00
|
9.75
|
10.25
|
9.50
|
10.50
| |
|
BPD YOGYAKARTA
|
8.64
|
9.08
|
8.64
|
8.55
|
10.40
| |
|
PT BANK WOORI INDONESIA
|
7.73
|
-
|
-
|
7.73
|
7.73
| |
|
PT BANK BNP PARIBAS
INDONESIA
|
10.18
|
-
|
-
|
-
|
-
| |
|
PT BANK CAPITAL
INDONESIA, Tbk
|
12.78
|
13.78
|
13.78
|
13.78
|
13.78
| |
|
THE ROYAL BANK OF
SCOTLAND N.V.
|
6.94
|
-
|
-
|
-
|
-
| |
|
PT BANK KEB INDONESIA
|
5.67
|
-
|
-
|
-
|
-
| |
|
PT BANK INDEX SELINDO
|
10.79
|
10.79
|
10.79
|
10.79
|
10.79
| |
|
PT BPD LAMPUNG
|
10.51
|
10.51
|
10.51
|
-
|
10.51
| |
|
PT. BANK MALUKU
|
11.22
|
11.22
|
11.22
|
11.22
|
11.22
| |
|
PT BPD KALTENG
|
12.66
|
12.32
|
19.24
|
10.93
|
15.43
| |
|
PT BANK JASA JAKARTA
|
10.77
|
10.77
|
-
|
10.52
|
10.52
| |
|
PT BANK AGRONIAGA, Tbk
|
12.03
|
12.03
|
-
|
-
|
-
| |
|
PT BPD NUSA TENGGARA
BARAT
|
12.33
|
12.33
|
12.33
|
12.33
|
12.33
| |
|
PT BPD JAMBI
|
8.76
|
9.23
|
8.67
|
8.67
|
9.29
| |
|
PT BANK MASPION INDONESIA
|
-
|
11.00
|
12.50
|
11.00
|
11.00
| |
|
PT BANK BUMI ARTA, Tbk
|
10.20
|
14.56
|
14.88
|
10.16
|
10.14
| |
|
PT BPD BENGKULU
|
10.10
|
10.10
|
10.10
|
10.10
|
10.10
| |
|
BPD SULAWESI TENGGARA
|
8.09
|
8.79
|
8.25
|
8.10
|
8.29
| |
|
BANK OF AMERICA, N.A
|
6.70
|
-
|
-
|
-
|
-
| |
|
PT BANK NATIONALNOBU
|
-
|
10.50
|
-
|
10.50
|
-
| |
|
PT BANK OF INDIA
INDONESIA, Tbk
|
12.47
|
12.47
|
12.47
|
12.47
|
12.47
| |
|
PT BANK SBI INDONESIA
|
12.00
|
13.00
|
-
|
-
|
-
| |
|
PT BANK KESEJAHTERAAN
EKONOMI
|
14.23
|
14.23
|
14.23
|
-
|
7.73
| |
|
PT BANK MAYORA
|
10.65
|
10.90
|
11.15
|
11.15
|
10.90
| |
|
PT BANK SAHABAT SAMPOERNA
|
12.00
|
12.50
|
17.00
|
-
|
13.75
| |
|
PT. BANK AGRIS
|
11.96
|
12.96
|
17.96
|
12.96
|
12.96
| |
|
PT BANK YUDHA BHAKTI
|
14.57
|
15.07
|
15.07
|
15.32
|
15.32
| |
|
PT PRIMA MASTER BANK
|
12.92
|
13.17
|
13.67
|
13.02
|
13.42
| |
|
PT. BPD SULAWESI TENGAH
|
-
|
9.89
|
-
|
-
|
-
| |
|
PT BANK GANESHA
|
11.10
|
13.19
|
18.02
|
11.35
|
11.70
| |
|
PT BANK ANTARDAERAH
|
12.68
|
13.18
|
14.60
|
-
|
-
| |
|
PT BANK HARDA
INTERNASIONAL
|
12.28
|
12.28
|
12.28
|
12.28
|
12.28
| |
|
PT BANK INA PERDANA
|
12.61
|
12.61
|
12.61
|
12.61
|
12.61
| |
|
PT BANK ANDARA
|
12.36
|
-
|
-
|
-
|
-
| |
|
PT BANK MITRANIAGA
|
11.86
|
11.86
|
11.86
|
11.86
|
11.86
| |
|
PT BANK SINAR HARAPAN
BALI
|
-
|
14.00
|
24.00
|
-
|
-
| |
|
PT BANK MULTIARTA SENTOSA
|
10.39
|
10.89
|
10.89
|
10.64
|
10.89
| |
|
PT CENTRATAMA NASIONAL
BANK
|
12.79
|
12.79
|
12.79
|
12.79
|
12.79
| |
|
PT BANK METRO EXPRESS
|
10.96
|
11.06
|
11.46
|
11.06
|
11.46
| |
|
PT BANK FAMA
INTERNASIONAL
|
11.59
|
11.59
|
12.59
|
11.59
|
11.59
| |
|
PT BANK DINAR INDONESIA
|
10.67
|
10.67
|
10.67
|
10.67
|
10.67
| |
|
PT BANK ARTOS INDONESIA
|
13.19
|
13.19
|
13.19
|
13.19
|
13.19
| |
|
PT BANK BISNIS
INTERNASIONAL
|
-
|
10.48
|
-
|
9.87
|
10.75
| |
|
PT BANK ROYAL INDONESIA
|
12.01
|
12.01
|
-
|
12.01
|
12.01
| |
|
PT BANK SAHABAT PURBA
DANARTA
|
8.39
|
14.19
|
37.34
|
-
|
12.68
| |
|
PT ANGLOMAS INTERNASIONAL
BANK
|
11.00
|
11.00
|
11.00
|
11.00
|
11.00
| |
|
Keterangan:
| ||||||
|
1
|
Yang dimaksud dengan SBDK adalah
sebagaimana yang terdapat di dalam SE No.15/1/DPNP tanggal 15
Januari 2013 perihal Transparansi Informasi Suku Bunga Dasar Kredit (SBDK).
Sesuai SE tersebut definisi Kredit Korporasi, Kredit Ritel dan Kredit
Konsumsi adalah definisi yang digunakan oleh internal bank. Dalam hal ini,
Kredit Konsumsi Non KPR tidak termasuk Kartu Kredit dan Kredit Tanpa Agunan
(KTA). Sedangkan penggolongan Kredit Mikro berpedoman pada definisi usaha
mikro sebagaimana dimaksud dalam UU tentang UMKM. Data SBDK yang
dipublikasikan ini berasal dari bank umum konvensional.
| |||||
|
2
|
Informasi SBDK yang dipublikasikan
didasarkan atas laporan yang disampaikan oleh Bank kepada Bank Indonesia
untuk posisi akhir bulan laporan. Informasi SBDK tersebut dapat saja berbeda
dengan yang dipublikasikan pada papan pengumuman di setiap kantor Bank,
website Bank dan/atau surat kabar antara lain karena menggunakan posisi data
yang berbeda. Konfirmasi atas kebenaran data dan/atau keterkinian data
langsung ditujukan kepada Bank yang bersangkutan.
| |||||
|
3
|
Informasi SBDK tersebut bukan
merupakan hasil analisa dan/atau bukan mencerminkan pandangan Bank Indonesia.
| |||||
|
4
|
Penggunaan dan/atau pengambilan
tindakan yang didasarkan atas informasi SBDK pada tabel diatas sepenuhnya
merupakan tanggung jawab dari pengguna. Bank Indonesia tidak bertanggung
jawab atas segala akibat yang timbul dari penggunaan informasi tersebut.
| |||||
|
5
|
SBDK belum memperhitungkan komponen
premi risiko yang besarnya tergantung dari penilaian bank terhadap risiko
masing-masing debitur/kelompok debitur. Dengan demikian, besarnya suku bunga
kredit yang diberikan kepada debitur belum tentu sama dengan SBDK.
| |||||
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