I. Quantitative Disclosure*
| Data of Period 31 December 2025 |
NonUMKM Credit
|
UMKM Credit
|
Mortgage (KPR/ KPA)
|
Non Mortgage/Non KPA
|
|||
|
Corporate
|
Retail
|
Medium
|
Small
|
Micro
|
|||
| Cost of Funds (%) | 4.50 | 4.50 | 4.50 | 4.50 | N/A | 4.50 | 4.50 |
| Overhead Cost (%) | 2.46 | 3.45 | 3.45 | 3.45 | N/A | 3.86 | 3.79 |
| Profit Margin (%) | 0.56 | 1.36 | 1.36 | 1.36 | N/A | 1.03 | 1.89 |
| Prime Lending Rate (PLR) (%) (Cost of Funds+Overhead Cost+Profit Margin)** | 7.56 | 9.31 | 9.31 | 9.31 | N/A | 9.39 | 10.18 |
II. Qualitative Disclosure*
| Category | Definition of Credit Category | Indicator/Criteria of Credit Category |
| Corporate | Working Capital and Investment Loans for non-UMKM and non-retail | Total loan facility limit > IDR450 billions |
| Retail | Working Capital and Investment Loans for non-UMKM and non-corporate | Total loan facility limit ≤ IDR450 billions |
Note :
*) In accordance with POJK No. 13 of 2024 regarding the Transparency and Publication of the Prime Lending Rate for Conventional Commercial Banks.
**) If there is a discrepancy in the total amount informed, it is due to rounding off decimal places.