Savings Account & Checking Account
|
Product |
Currency |
Tier |
Interest Rate |
|
Savings Account |
Rupiah |
IDR 0 - IDR 999,999 |
0% p.a |
|
≥ IDR 1,000,000 |
0.5% p.a |
||
|
Premium Savings Account |
Rupiah |
IDR 0 - IDR 999,999 |
0% p.a |
| IDR 1,000,000 - IDR 9,999,999 | 1% p.a | ||
|
IDR 10,000,000 - IDR 49,999,999 |
1.5% p.a |
||
|
≥ IDR 50,000,000 |
2% p.a |
||
|
Checking Account |
Rupiah |
IDR 0 - IDR 1,999,999 |
0% p.a |
|
IDR 2,000,000 - IDR 14,999,999,999 |
0.5% p.a |
||
|
≥ IDR 15,000,000,000 |
1% p.a |
||
|
Premium Checking Account |
Rupiah |
IDR 0 - IDR 49,999,999 |
0% p.a |
|
IDR 50,000,000 - IDR 499,999,999 |
1% p.a |
||
|
IDR 500,000,000 - IDR 4,999,999,999 |
1.5% p.a |
||
|
≥ IDR 5,000,000,000 |
2% p.a |
*Interest rates can change at any time
Global Account
|
Currency |
Tier |
Interest Rate (per year) |
|
USD |
USD 0 - 24,999 |
0% |
|
≥ USD 25,000 |
0.1% |
|
|
SGD |
SGD 0 - 49,999 |
0% |
|
≥ SGD 50,000 |
0.1% |
|
|
GBP |
GBP 0 - 24,999 |
0% |
|
≥ GBP 25,000 |
0% |
|
|
EUR |
EUR 0 - 24,999 |
0% |
|
≥ EUR 25,000 |
0% |
|
|
AUD |
AUD 0 - 24,999 |
0% |
|
≥ AUD 25,000 |
0.1% |
|
|
HKD |
HKD 0 - 24,999 |
0% |
|
≥ HKD 25,000 |
0.1% |
|
|
JPY |
JPY 0 - 24,999 |
0% |
|
≥ JPY 25,000 |
0% |
*Interest rates can change at any time
Global Checking Account
|
Currency |
Tier |
Interest Rate (per year) |
|
USD |
USD 0 - 499,999 |
0% |
|
≥ USD 500,000 |
0.1% |
|
|
SGD |
SGD 0 - 499,000 |
0% |
|
≥ SGD 500,000 |
0.1% |
|
|
GBP |
GBP 0 - 249,999 |
0% |
|
≥ GBP 250,000 |
0% |
|
|
EUR |
EUR 0 - 249,999 |
0% |
|
≥ EUR 250,000 |
0% |
|
|
AUD |
AUD 0 - 249,999 |
0% |
|
≥ AUD 250,000 |
1% |
|
|
HKD |
HKD 0 - 2,499,999 |
0% |
|
≥ HKD 2,500,000 |
0.1% |
|
|
JPY |
JPY 0 - 249,999 |
0% |
|
≥ JPY 250,000 |
0% |
*Interest rates can change at any time
Prime Landing Rate
|
Integrated Conventional Commercial Banks Report Period: November 2024 |
Non-SME Credit | SME Credit | KPR/KPA | Non-KPR/Non-KPA | |||
| Corporation | Retail | Medium | Small | Micro | |||
| Cost of Basic Credit (HPDK) (%) | 4.64% | - | - | - | - | - | - |
| Overhead Cost (%) | 1.69% | - | - | - | - | - | - |
| Profit Margin (%) | 0.38% | - | - | - | - | - | - |
|
Prime Lending Rate (SBDK) (%) (HPDK + Overhead + Margin) |
6.71% | N/A | N/A | N/A | N/A | N/A | N/A |
Qualitative Disclosure
| Category | Definition of Credit Categories | Indicator/Criteria for Credit Category |
| Corporation | Credit given to the company or legal entity | Plafond > Turnover up to IDR1.5 trillion |
| Retail | Credit given to individuals | Plafond IDR500,000 up to IDR15,000,000 |
Remarks:
- The SBDK is determined by the Bank based on various factors, namely the reference interest rate set by the relevant authority, cost of funds for credit, overhead costs, profit margin, and economic conditions.
- The SBDK has not taken into account the risk premium estimation component, the amount of which depends on the Bank's assessment of the risk for each debtor or group debtors.
Jakarta, 7 January 2025
Management of PT Bank QNB Indonesia Tbk
