PRIME LENDING RATE
PT. BANK NEGARA INDONESIA (Persero), Tbk
Effective from February 18, 2026

Data Period January 2026	Non MSMEs Loan		MSMEs Loan			Mortage	Non Mortage
Data Period January 2026	Corporate	Retail	Medium	Small	Micro	Mortage	Non Mortage
Cost of Fund (HPDK)(%)	3.16	3.16	3.16	3.16	3.16	3.16	3.16
Overhead Cost (OHC)(%)	2.85	3.09	4.15	4.85	6.13	3.54	4.80
Profit Margin (%)	1.59	1.59	1.59	1.59	1.59	1.59	1.59
Prime Landing Rate (SBDK)(%)(HPDK + Overhead + Margin)	7.60	7.84	8.90	9.60	10.88	8.29	9.55

Category	Definition	Indicator/Critera
Corporate	Loan Facilities granted to Business Entities or Companies that meet the criteria for the Corporate Segment at BNI.	Total credit plafond > IDR 500 Billion
Retail	Loan facilities granted to Business Entities or Companies that are not classified under the Corporate segment according to BNI's segmentation criteria, and are also not included in the medium, small, and micro segments as defined in POJK No.13 Tahun 2024.	Total credit plafond ≤ IDR 500 billion

Keterangan :

Prime Lending Rate (SBDK) information refers to POJK No.13 Tahun 2024 and has considered market interest rates. Prime Lending Rate (SBDK) may change at any time.
Prime Lending Rate (SBDK) is determined by the Bank based on various factors, including the bencmark interest rate set by the authorized authority, cost of funds, overhead costs, profit margin, and developments in economic condition.
Prime Lending Rate (SBDK) does not include the estimated risk premium component. The amount depends on the Bank's assessment of the risk profile of each customer or customer business group
Prime Lending Rate (SBDK) for Non Mortage refers to Consumer Loan other than Mortage, including Auto Loans, Credit Card, and Personal Loan
Information of the current prime lending rate is also available at our branch and Bank BNI Website www.bni.co.id.