Prime Lending Rate

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Date: 5 May 2025

Effective Date	Non MSME Loan		MSME Loan			Mortgage	Non Mortgage
Effective Date	Corporation	Retail	Medium	Small	Micro	Mortgage	Non Mortgage
Cost of Fund (CoF) (%)	3.91%	N/A	3.91%	3.91%	N/A	N/A	3.91%
Overhead Cost (%)	2.68%	N/A	2.15%	2.15%	N/A	N/A	8.83%
Profit Margin (%)	1.23%	N/A	1.23%	1.23%	N/A	N/A	1.23%
Prime Lending Rate (PLR) (%) (CoF + Overhead + Margin)	7.82%	N/A	7.29%	7.29%	N/A	N/A	13.97%

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

Effective Date	Non MSME Loan		MSME Loan			Mortgage
Effective Date	Corporation	Retail	Medium	Small	Micro	Mortgage
08 April 2025	7.82%	N/A	7.25%	7.25%	N/A	N/A
06 March 2025	8.10%	N/A	7.59%	7.59%	N/A	N/A
03 February 2025	8.14%	N/A	7.71%	7.71%	N/A	N/A
06 January 2025	8.12%	N/A	7.68%	7.68%	N/A	N/A
06 December 2024	8.15%	N/A	7.70%	7.70%	N/A	N/A
28 October 2024	7.81%	N/A	7.36%	7.36%	N/A	N/A

Financial Results

PT Bank DBS Indonesia’s (DBSI) Annual Reports

DBS Indonesia

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