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BASE LENDING RATE (BLR)

DATA FINANSIAL
Biaya bunga Tabungan A
Biaya bunga deposito
Biaya bunga tabungan B
Biaya promosi dana
Rata-rata outstanding Tabungan A
Rata-rata outstanding deposito
Rata-rata outstanding tabungan B
Cash Ratio (Kas dan Giro Bank Umum)
Biaya overhead (non interest expense)
Rata-rata aset yang menghasilkan/pinjaman
NPL Existing
Spread yang diinginkan
Premi LPS

LENDING RATE
COF Produk Biaya Bunga Biaya (%)
Tabungan A 69,755,000,000 2.89%
Deposito 819,570,000,000 19.49%
Tabungan B 220,000,000,000 10.20%
Promosi Dana 17,500,000,000
COF

COLF 16.25%

COM 17.70%

BLR 28.95%

Biaya bunga Tabungan A 8,000,000,000

Biaya bunga deposito 70,000,000,000
Biaya bunga tabungan B 5,000,000,000
Biaya promosi dana 500,000,000
Rata-rata outstanding Tabungan A 110,000,000,000
Rata-rata outstanding deposito 800,000,000,000
Rata-rata outstanding tabungan B 90,000,000,000
Cash Ratio (Kas dan Giro Bank Umum) 11%
Biaya overhead (non interest expense) 55,000,000,000
Rata-rata aset yang menghasilkan/pinjaman 1,200,000,000,000
NPL Existing 1.55%
Spread yang diinginkan 8%
 69,755,000,000
819,570,000,000
220,000,000,000
17,500,000,000
2,415,000,000,000 Rata2 Saldo harian selama periode pengukuran
4,205,000,000,000 Rata2 Saldo harian selama periode pengukuran
2,156,000,000,000 Rata2 Saldo harian selama periode pengukuran
20.00% Rata2 Saldo harian selama periode pengukuran
395,000,000,000
27,250,000,000,000 Rata2 Saldo harian selama periode pengukuran
1.25%
10.00%
0.20%

Bunga Tertimbang
0.79% 16.51%
9.34%
2.51%
0.20%
12.84%
 SALDO HARIAN Hari TOTAL SALDO
1 55,000,000 2 110,000,000
2 50,000,000 2 100,000,000
3 35,000,000 3 105,000,000
4 63,000,000 2 126,000,000
5 78,000,000 3 234,000,000
6 28,000,000 4 112,000,000
7 68,000,000 4 272,000,000
8 23,000,000 2 46,000,000
9 68,000,000 1 68,000,000
10 60,500,000 7 423,500,000
11 30,500,000 1 30,500,000
31 1,627,000,000
Rata2 Saldo 52,483,871