Maybank Basic Credit Interest Rate

Prime Lending Rate
PT Bank Maybank Indonesia Tbk
Per 2 December 2024

I. Quantitative* Disclosure

Data of Period 31 October 2024	Non SME Loan		SME Loan			Mortgage (KPR/ KPA)	Non Mortgage/Non KPA
Data of Period 31 October 2024	Corporate	Retail	Medium	Small	Micro	Mortgage (KPR/ KPA)	Non Mortgage/Non KPA
Cost of Funds (%)	4.42	4.42	4.42	4.42	N/A	4.42	4.42
Overhead Cost (%)	1.94	3.26	3.26	3.26	N/A	3.21	4.19
Profit Margin (%)	0.91	0.91	0.91	0.91	N/A	0.91	0.91
Prime Lending Rate (PLR) (%) (Cost of Funds+Overhead Cost+Profit Margin)	7.27	8.60	8.60	8.60	N/A	8.54	9.52

II. Qualitative* Disclosure

Category	Definition of Credit Category	Indicator/Criteria of Credit Category
Corporate	Working Capital and Investment Loans for non - SME and non-retail	Total loan facility limit > IDR450 billions
Retail	Working Capital and Investment Loans for non - SME and non-corporate	Total loan facility limit ≤ IDR450 billions

Note :

Prime Lending Rate is determined by the conventional commercial bank (BUK) based on various factors, including the reference interest rate set by the relevant authorities, credit cost of funds, overhead costs, profit margins, and economic conditions.
Prime Lending Rate does not include the estimated risk premium component, the amount of which depends on the Bank’s risk assessment for each debtor or group of debtor.

*) In accordance with POJK No. 13 of 2024 regarding the Transparency and Publication of the Prime Lending Rate for Conventional Commercial Banks.

Prime Lending Rate Historical

Period	Non SME Loan		SME Loan			Mortgage/KPA	Non Mortgage/Non KPA
Period	Corporate	Retail	Medium	Small	Micro	Mortgage/KPA	Non Mortgage/Non KPA
1 October–1 November 2024	8,15	9.00	N/A	N/A	N/A	8,10	8,75
1 November-2 December 2024	7,71	9,32	9,32	9,32	N/A	9,13	9,72