Prime Lending Rate

RUPIAH PRIME LENDING RATE (Last updated December 1^st, 2024)

1. QUANTITATIVE DISCLOSURE

   Data Period: Oktober 2024	Non-MSMEs Loan		MSMEs Loan			Mortgage	Non-Mortgage
   	Corporate	Retail	Medium	Small	Micro
   Cost of Fund (HPDK)	5.19%	5.19%	5.19%	5.19%	5.19%	5.19%	5.19%
   Overhead Cost	2.85%	4.85%	4.52%	4.74%	2.90%	4.85%	2.82%
   Profit Margin	2.00%	1.00%	1.50%	2.50%	2.50%	0.50%	2.50%
   Prime Lending Rate (SBDK) (HPDK+Overhead+Margin)	10.04%	11.04%	11.21%	12.43%	10.59%	10.54%	10.51%

2. QUALITATIVE DISCLOSURE

   Category	Definition	Indicator/Criteria
   Corporate	Working capital loans and investment loans for non-MSMEs and non-retail	Total credit plafond > IDR 100 billion
   Retail	Working capital loans and investment loans for non-MSMEs and non-corporate	Total credit plafond <= IDR 100 billion

NOTES:

1. Prime Lending Rate is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin and economic growth.

2. Prime Lending Rate does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.

3. Prime Lending Rate for Non Mortgage refers to Auto Loans, not including Credit Card, and Personal Loan.