Prime Lending Rate

Effective March 27, 2026

1. Quantitative Disclosure
(effective % per annum)

Data Period Mar 2026 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
Non-KPA
Corporate Retail Medium Small Micro
Basic Cost of Credit (%) 3.01% 3.01% 3.01% 3.01% 3.01% 3.01% 3.01%
Overhead Cost (%) 2.91% 2.43% 3.30% 4.40% 7.74% 5.62% 4.40%
Profit Margin (%) 1.43% 2.46% 2.08% 2.57% 2.65% 0.93% 2.02%
Prime Lending Rate (PLR) (%)
(BCC+Overhead+Margin)		 7.35% 7.90% 8.39% 9.98% 13.40% 9.56% 9.43%

2. Qualitative Disclosure

Category Definition Indicator / Criteria
Corporate Credit granted to Business Entities or companies that meet the criteria of the Corporate segment at Bank Jatim Ceiling > Rp 100 Billion
Retail Credit granted to Business Entities or companies not included in the corporate segment classification in Bank Jatim's segmentation provisions, but not included in the medium, small, and micro segments. Ceiling > Rp 500 Million up to 50 Billion


Notes :

1. The attached Prime Lending Rate (PLR) information refers to OJK Regulation No. 13 of 2024, using the September 2024 Report database and considering market interest rate developments, PLR may change in accordance with OJK Regulation No. 13/2024,

2. PLR is determined by the Bank based on various factors, including the benchmark interest rate set by the competent authority, the basic cost of funds for credit (cost of fund), overhead costs, profit margins, and the development of economic conditions,

3. PLR does not yet account for the risk premium estimation component, the magnitude of which depends on the Bank's assessment of risk for each debtor or group of debtors. Therefore, the actual Credit Interest Rate applied to customers may differ from the PLR calculation.

4. PLR excludes credit distribution with special rates (special rate), promotional rates, fixed rates for a certain period, interest rates for employees for welfare purposes, and similar schemes,

5. Information on the PLR applicable at any time can be viewed in publications on the Bank's website and/or at every Bank office.

  • Historical PLR February 2026

    • 1. Quantitative Disclosure

    • Data Period Feb 2026 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 2.99% 2.99% 2.99% 2.99% 2.99% 2.99% 2.99%
      Overhead Cost (%) 2.68% 2.23% 3.05% 4.06% 7.14% 5.19% 4.06%
      Profit Margin (%) 1.43% 2.46% 2.08% 2.57% 2.65% 0.93% 2.02%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 7.10% 7.68% 8.12% 9.62% 12.78% 9.11% 9.07%
  • Historical PLR January 2026

    • 1. Quantitative Disclosure

    • Data Period Dec 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.29% 3.29% 3.29% 3.29% 3.29% 3.29% 3.29%
      Overhead Cost (%) 2.32% 1.94% 2.64% 3.52% 6.20% 4.50% 3.52%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 6.92% 7.49% 7.84% 9.16% 11.91% 8.64% 8.66%
  • Historical PLR December 2025

    • 1. Quantitative Disclosure

    • Data Period Dec 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.29% 3.29% 3.29% 3.29% 3.29% 3.29% 3.29%
      Overhead Cost (%) 2.32% 1.94% 2.64% 3.52% 6.20% 4.50% 3.52%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 6.92% 7.49% 7.84% 9.16% 11.91% 8.64% 8.66%
  • Historical PLR November 2025

    • 1. Quantitative Disclosure

    • Data Period Nov 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.36% 3.36% 3.36% 3.36% 3.36% 3.36% 3.36%
      Overhead Cost (%) 2.47% 2.05% 2.80% 3.73% 6.57% 4.78% 3.73%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 7.14% 7.67% 8.07% 9.44% 12.35% 8.99% 8.94%
  • Historical PLR October 2025

    • 1. Quantitative Disclosure

    • Data Period Oct 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.37% 3.37% 3.37% 3.37% 3.37% 3.37% 3.37%
      Overhead Cost (%) 2.47% 2.06% 2.81% 3.75% 6.60% 4.80% 3.75%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 7.15% 7.69% 8.09% 9.47% 12.39% 9.02% 8.97%
  • Historical PLR September 2025

    • 1. Quantitative Disclosure

    • Data Period Sep 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.44% 3.44% 3.44% 3.44% 3.44% 3.44% 3.44%
      Overhead Cost (%) 2.43% 2.02% 2.76% 3.68% 6.47% 4.70% 3.68%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 7.18% 7.72% 8.11% 9.47% 12.33% 8.99% 8.97%
  • Historical PLR August 2025

    • 1. Quantitative Disclosure

    • Data Period Aug 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.44% 3.44% 3.44% 3.44% 3.44% 3.44% 3.44%
      Overhead Cost (%) 2.43% 2.02% 2.76% 3.67% 6.48% 4.71% 3.67%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 7.18% 7.72% 8.11% 9.46% 12.34% 9.00% 8.96%
  • Historical PLR July 2025

    • 1. Quantitative Disclosure

    • Data Period Jul 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.35% 3.35% 3.35% 3.35% 3.35% 3.35% 3.35%
      Overhead Cost (%) 2.44% 2.03% 2.77% 3.68% 6.50% 4.75% 3.68%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 7.10% 7.64% 8.03% 9.38% 12.27% 8.95% 8.88%
  • Historical PLR June 2025

    • 1. Quantitative Disclosure

    • Data Period June 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.37% 3.37% 3.37% 3.37% 3.37% 3.37% 3.37%
      Overhead Cost (%) 2.38% 2.00% 2.71% 3.61% 6.35% 4.62% 3.61%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 7.06% 7.63% 7.99% 9.33% 12.14% 8.84% 8.83%
  • Historical PLR May 2025

    • 1. Quantitative Disclosure

    • Data Period May 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.38% 3.38% 3.38% 3.38% 3.38% 3.38% 3.38%
      Overhead Cost (%) 2.35% 1.96% 2.68% 3.56% 6.28% 4.56% 3.56%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 7.04% 7.60% 7.97% 9.29% 12.08% 8.79% 8.79%
  • Historical PLR April 2025

    • 1. Quantitative Disclosure

    • Data Period April 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.38% 3.38% 3.38% 3.38% 3.38% 3.38% 3.38%
      Overhead Cost (%) 2.35% 1.96% 2.68% 3.56% 6.28% 4.56% 3.56%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 7.04% 7.60% 7.97% 9.29% 12.08% 8.79% 8.79%
  • Historical PLR March 2025

    • 1. Quantitative Disclosure

    • Data Period March 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.44% 3.44% 3.44% 3.44% 3.44% 3.44% 3.44%
      Overhead Cost (%) 2.31% 1.94% 2.62% 3.50% 6.15% 4.48% 3.50%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%)
      (BCC+Overhead+Margin)      		 7.06% 7.64% 7.97% 9.29% 12.01% 8.77% 8.79%
  • Historical PLR February 2025

    • 1. Quantitative Disclosure

    • Data Period Feb 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40%
      Overhead Cost (%) 2.48% 2.07% 2.82% 3.77% 6.62% 4.83% 3.77%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (PLR) (%) 7.19% 7.73% 8.13% 9.52% 12.44% 9.08% 9.02%
  • Historical PLR January 2025

    • 1. Quantitative Disclosure

    • Data Period Dec 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage/
      Non-KPA
      Corporate Retail Medium Small Micro
      Basic Cost of Credit (%) 3.66% 3.66% 3.66% 3.66% 3.66% 3.66% 3.66%
      Overhead Cost (%) 2.46% 2.05% 2.79% 3.72% 6.55% 4.76% 3.72%
      Profit Margin (%) 1.82% 3.12% 2.64% 3.25% 3.35% 1.18% 2.56%
      Prime Lending Rate (PLR) (%) 7.94% 8.83% 9.09% 10.63% 13.56% 9.60% 9.94%