Prime Lending Rate

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Date: 2 February 2026

Period Date: December 2025	Non MSME Loan		MSME Loan			Mortgage	Non Mortgage
Period Date: December 2025	Corporation	Retail	Medium	Small	Micro	Mortgage	Non Mortgage
Cost of Fund (CoF) (%)	3.73%	N/A	3.73%	3.73%	N/A	N/A	3.73%
Overhead Cost (%)	3.11%	N/A	2.59%	2.59%	N/A	N/A	8.85%
Profit Margin (%)	1.12%	N/A	1.12%	1.12%	N/A	N/A	1.12%
Prime Lending Rate (PLR) (%) (CoF + Overhead + Margin)	7.96%	N/A	7.44%	7.44%	N/A	N/A	13.70%

Remarks:

PLR is determined by Bank based on various factors, including the reference interest rate set by regulator, cost of fund, overhead cost, profit margin and development in economic conditions.

PLR has not incorporated risk premium component which depends on the Bank's assessment of the risk of each debtor or group of debtors.

Category	Credit Category Definition	Indicators/Criteria of Credit Category
Corporation	Loan to corporation other than MSME for working capital and investment	Corporation/Enterprise
Retail	N/A *)	N/A *)

*Bank does not have retail loan for working capital and investment

Historical Changes: Prime Lending Rate

Historical prime lending rate (per 2 February)

DBS Indonesia

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