Interest Rates

Regular Interest Rate

		Period of Time( Month )
Currency	Nominal placement	1	>1-3	>3-6	>6-12
IDR	Minimum IDR 8 Million	2.75%	2.75%	2.75%	2.75%

Mobile/ Internet Banking Interest Rate:

		Period
Currency	Placement Amount	14 Days	1 Month	3 Months	6 Months	12 Months
IDR	≥ IDR 1 Million - < IDR 500 Million	2,00%	3.00%	3.00%	3.25%	3.25%
	≥ IDR 500 Million - ≤IDR 2 Billion	2,00%	3.00%	3.00%	3.25%	3.25%
	> IDR 2 Billion - ≤ IDR10 Billion	2,00%	3,25%	3,25%	3,50%	3,50%

^* The interest rate is subject to change anytime

Forex Regular Interest Rate - Mobile Banking

Currencies	Nominal Placement	Period
Currencies	Nominal Placement	1 Month	3 Month	6 Month	12 Month
USD	≥ 1,000 - ≤ 10Thousand	2.00%	2.00%	1.75%	1.75%
	≥ 10 Th - ≤ 200 Th	2.00%	2.00%	1.75%	1.75%
	> 200 Th - ≤ 1Mio	2.50%	2.50%	2.25%	2.25%
SGD	≥ 1,000 - ≤ 100 Th	0.50%	0.50%	0.50%	0.50%
AUD	≥ 1,000 - ≤ 100 Th	0.00%	0.00%	0.00%	0.00%
CNH	≥ 5,000 - 200 Th	0.15%	0.25%	0.35%	0.35%
CNH	≥ 200,000 - ≤ 500 Th	0.15%	0.25%	0.35%	0.35%

Forex Regular Interest Rate - Branch

Currencies	Nominal Placement	Period (month)
Currencies	Nominal Placement	1	>1 - 3	>3 - 6	>6 - 12
USD	≥ 1,000	1.00%	1.00%	1.00%	1.00%
SGD	≥1,000	0.25%	0.25%	0.25%	0.25%
GBP	≥2,000	0.00%	0.00%	0.00%	0.00%
AUD	≥2,000	0.00%	0.00%	0.00%	0.00%
CNH	≥5,000 - < 50,000	0.10%	0.25%	0.25%	0.25%
CNH	≥50,000	0.10%	0.25%	0.25%	0.25%
EUR	≥2,500	0.00%	0.00%	0.00%	0.00%
JPY	≥100,000	0.00%	0.00%	0.00%	0.00%
NZD	≥2,000	0.10%	0.10%	0.10%	0.10%

^*The interest rate is subject to change anytime
^*Effective September 22, 2025

Quantitative Disclosure

Data Period: August 2025	Non-Micro & Non-SME Loans		Micro & SME Loans			KPR/ KPA	NonKPR/ Non KPA
Data Period: August 2025	Corporate	Retail	Medium	Small	Micro	KPR/ KPA	NonKPR/ Non KPA
Cost of Fund (HPDK)	4.60%	4.60%	4.60%	4.60%	4.60%	4.60%	4.60%
Overhead Cost	2.48%	4.27%	4.27%	4.27%	7.60%	3.46%	9.13%
Profit Margin	1.17%	0.13%	0.13%	0.13%	0.30%	0.44%	1.77%
Prime Lending Rate (SBDK) (HPDK+Overhead+Margin)	8.25%	9.00%	9.00%	9.00%	12.50%	8.50%	15.50%

Qualitative Disclosure

Category	Definition of Credit Category	Indicator/Criteria of Credit Category
Corporate	Loans to Business Entities that meet the criteria of Corporate segment in OCBC.	Credit facility above IDR 15 Billion
Retail	Loans given to Business Entities or Individual that meet the criteria of Retail segment in OCBC.	Credit facility up to IDR 15 Billion

Notes:

SBDK above is used as a basis for determining the credit interest rate that will be charged by the Bank to Customers.
SBDK is determined by Bank based on various factors. including the reference interest rate set by regulators. cost of funds. overhead costs. profit margins. and economic conditions.
SBDK above does not include the calculation of the estimated risk premium component of which depends on the Bank's risk assessment for each debtor or group of debtors.
SBDK for consumer loan other than Housing Loan (non- KPR) does not include for Credit Card and Unsecured Loan (KTA).

The prime lending rate above is effective 26 September 2025 until there are changes and further information.

Historical Prime Lending Rate (SBDK)

For more information

More info click here

Interest rate

Tiering	Rate
< Rp10 Million	0.00% p.a
Rp10 Million < Rp100 Million	0.25% p.a
Rp100 Million < Rp500 Million	1.00% p.a
Rp500 Million < Rp1 Billion	1.50% p.a
Rp1 Billion < Rp2.5 Billion	2.00% p.a
≥ Rp2.5 Billion	2.25% p.a

Interest Rate Information

Level	Interest Rate
< SGD 100	0.00% p.a
SGD > 200	0.00% p.a

IDR
< IDR 10 mio	0,00%
IDR 10 mio s/d < IDR 100 mio	0,00%
IDR 100 mio s/d < IDR 500 mio	0,00%
IDR 500 mio s/d < IDR 1 bio	0,00%
IDR 1 bio s/d < IDR 2,5 bio	0,00%
> IDR. 2,5 bio	0,00%

Interest

IDR
0 < IDR 1 mio	0.00%
IDR 1 mio - < IDR 5 mio	0.75%
IDR 5 mio - < IDR 100 mio	1.00%
IDR 100 mio - < IDR 1 Bio	1.00%
≥ 1 Bio	1.50%

USD

USD
0 - < USD 100	0.00%
USD 100 - < USD 1,000	0.10%
USD 1.000 - < USD 100.000	0.15%
≥ USD 100.000	0.20%

SGD
< SGD 200	0.00%
≥ SGD 200	0.00%

IDR
< IDR 10 mio	0,00%
IDR 10 mio s/d < IDR 100 mio	0,15%
IDR 100 mio s/d < IDR 500 mio	0,15%
IDR 500 mio s/d < IDR 1 bio	0,25%
IDR 1 bio s/d < IDR 2,5 bio	0,50%
> IDR 2,5 bio	0,75%

Fee & Charges
Currency	IDR
Proof of Account Mutation	Statement / E-Statement
Initial Deposit	IDR 1,000,000
Monthly Average Minimum Balance	IDR 100 mio
Fee Belows the Averange Minimum Balance	IDR 0 s/d < IDR 200,000 = IDR 20,000 IDR 200,000 s/d < IDR 100 mio = IDR 10,000
Monthly Admin Fee	IDR 12.500
Closing fee	IDR 100,000
Dormant Fee	IDR 15.000/ Month

*For Information about product Tanda Harian, Tanda Reguler & Tanda USD does not apply to new customers. This information only valid for customers who already have the product.

Interest Rate
< IDR 10 mio	0,00%
IDR 10 mio s/d < IDR 50 mio	0,05%
IDR 50 mio s/d < IDR 1 bio	0,10%
≥ IDR 1 bio	0,50%

*For Information about product Tanda Harian, Tanda Reguler & Tanda USD does not apply to new customers. This information only valid for customers who already have the product.

Interest Rate
< IDR 10 mio	0,00%
IDR 10 mio s/d < IDR 50 mio	0,05%
IDR 50 mio s/d < IDR 1 bio	0,10%
≥ IDR 1 bio	0,50%

Fee & Charges
Currency	IDR
Proof of Account Mutation	Statement / E-Statement
Initial Deposit	IDR 200,000
Minimum Average Balance (monthly)	IDR 200,000
S/C for below minimum average balance (monthly)	IDR 10,000
Admin Fee (monthly)	IDR 12.500
Closing Fee	IDR 50,000
Dormant Fee	IDR 15.000/Month

*For Information about product Tanda Harian, Tanda Reguler & Tanda USD does not apply to new customers. This information only valid for customers who already have the product.

IDR
< USD 100	0,00%
USD 100 s/d < USD 1,000	0,05%
USD 1,000 s/d < USD 100,000	0,15%
≥= USD 100,000	0,2%

Fee & Charges
Currency	USD
Proof of Account Mutation	Statement / E-Statement
Minimum Average Balance (monthly)	USD 10
S/C for below minimum average balance (monthly)	USD 1
Admin Fee (monthly)	Free
Closing Fee	USD 10
Dormant Fee	USD 1/Bulan

*For Information about product Tanda Harian, Tanda Reguler & Tanda USD does not apply to new customers. This information only valid for customers who already have the product.

Total Savings : (IDR)

Tiering	Rate
< Rp5 million	0.15% p.a
> Rp5million	0.30% p.a

USD

Tiering	Rate
< USD 100	0.00% p.a
USD 100 - USD 1000	0.15% p.a
> USD 1000	0.15%p.a

SGD

Tiering	Rate
< SGD 500	0.00% p.a
> SGD 500	0.00% p.a

Interest rate

Tiering	Rate
< IDR 500 thousand	0% per year
IDR 500 thousand - IDR 1 million	0.25% per year
> IDR 1 Million.	1% per year

More info click here

All interest rate in the form of p.a

COUNTER RATE IDR - BRANCH

Currencies	Nominal Placement	Period (month)
Currencies	Nominal Placement	1	>1 - 3	>3 - 6	>6 - 12
IDR	Minimum 8 Juta	2.75%	2.75%	2.75%	2.75%

COUNTER RATE IDR – ONLINE (OCBC mobile & Internet Banking)

Currencies	Nominal Placement	Period
Currencies	Nominal Placement	14 Days*	1 Month	3 Months	6 Months	12 Months
IDR	≥ 1 Juta - < 500 Juta	2.00%	3.00%	3.00%	3.25%	3.25%
	≥ 500 Juta - ≤ 2 Miliar	2.00%	3.00%	3.00%	3.25%	3.25%
	> 2 Miliar - ≤ 10 Miliar	2.00%	3.25%	3.50%	3.25%	3.50%

*) For 14-day Time Deposit placement. min. placement is IDR 5 mio.
Rates are subject to change without prior notice to customers

Counter Rate Valas - Branch

Currencies	Nominal Placement	Period (month)
Currencies	Nominal Placement	1	>1 - 3	>3 - 6	>6 - 12
USD	≥ 1.000	1.00%	1.00%	1.00%	1.00%
SGD	≥ 1.000	0.25%	0.25%	0.25%	0.25%
GBP	≥ 2.000	0.00%	0.00%	0.00%	0.00%
AUD	≥ 2.000	0.00%	0.00%	0.00%	0.00%
CNH	≥ 5.000 - < 50.000	0.10%	0.25%	0.25%	0.25%
CNH	≥ 50.000	0.10%	0.25%	0.25%	0.25%
EUR	≥ 2.500	0.00%	0.00%	0.00%	0.00%
JPY	≥ 100.000	0.00%	0.00%	0.00%	0.00%
NZD	≥ 2.000	0.10%	0.10%	0.10%	0.10%

Counter Rate Valas - Online (OCBC Mobile dan Internet Banking)

Currencies	Nominal Placement	Period
Currencies	Nominal Placement	1 Month	3 Months	6 Months	12 Months
USD	≥ 1.000 - < 10,000	2.00%	2.00%	1.75%	1.75%
	≥ 10,000 - ≤ 200,000	2.00%	2.00%	1.75%	1.75%
	> 200,000 - ≤ 1,000,000	2.50%	2.50%	2.25%	2.25%
SGD	≥ 1.000 - ≤ 100,000	0.50%	0.50%	0.50%	0.50%
AUD	≥ 1.000 - ≤ 100,000	0.00%	0.00%	0.00%	0.00%
CNH	≥ 5.000 - < 200,000	0.15%	0.25%	0.35%	0.35%
CNH	≥ 200,000 - ≤ 500,000	0.15%	0.25%	0.35%	0.35%

All Rates are in Forms of Per Annum/p.a.
Rates are subject to change without prior notice to customers

More information click here

Interest Rates

Information about Interest rates

Suku Bunga Deposito Berjangka

Prime Lending Rate (SBDK)

Simpanan - Tabungan

Tanda 360

Tanda 360 Plus

Tanda Premium

Tanda Valas SGD

OCBC NISP Simpel

Rekening Dana Nasabah

Tanda Harian

Tanda Payroll

Tanda Reguler

Tanda Valas USD

Tanda Junior

TabunganKu

Savings - Saving Plan

Taka Angsuran Tetap

Taka Bunga

Taka Hadiah

Taka Bunga Pasti

Simpanan - Deposito

Deposito IDR

Deposito Valas

Regular Interest Rate

Mobile/ Internet Banking Interest Rate:

Quantitative Disclosure

Qualitative Disclosure

For more information

Interest

COUNTER RATE IDR - BRANCH

COUNTER RATE IDR – ONLINE (OCBC mobile & Internet Banking)

Counter Rate Valas - Branch

Counter Rate Valas - Online (OCBC Mobile dan Internet Banking)

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