Notes :

1. Prime Lending Rate is determined by the Bank based on various factors including the benchmark interest rate set by the competent authority, cost of funds for credit (Cost fo Fund), overhead costs, profit margins, and the development of economic conditions.
2. Prime Lending Rate does not take into account the estimated risk premium component, the amount of which depends on the bank's assessment of the risk for each debtor or group of debtors.
3. The announcement of the Prime Lending Rate publication report in digital channels and/or other electronic media at least includes the Prime Lending Rate per credit segment.