Source file signed link, expires in 15 minutes
Extracted text 21
Page 1
Paparan Publik
(Public Expose)
PT Radana Bhaskara Finance Tbk
30 | 03 |2026
1
Page 2
Board of Director
Setiawan Nurtjahja Josephine Regina
Director Dameria Sambajon
Director
Lim Eng Khim Adji Anggono
President Director Director
Public Expose 2026 PT Radana Bhaskara Finance Tbk
3
Page 3
Paparan Publik
(Public Expose)
PT Radana Bhaskara Finance Tbk
30 | 03 |2026
4
Page 4
Agenda
6-7 Company in a Brief 1
9 - 10 Macroeconomy & Industry Condition 2
12 - 17 Operational & Financial Performance 3
19 Banking Supporters 4
21 2026 Strategy 5
Public Expose 2026 PT Radana Bhaskara Finance Tbk
5
Page 5
Company Overview
Company Highlights Product Offerings
• PT Radana Bhaskara Finance Tbk (Radana Finance) was first established under the 1 Asset-Based Financing (ABF)
name PT Indonesia Lease Corporation (Indo Lease) on September 20, 1972. The
Company has changed its name several times, in 1988 PT. Mitra Pradityatama Leasing,
later became PT Niaga Leasing Corporation in 1995, in 2000 changed to PT Niaga Financing for the procurement of capital goods
Leasing, to PT Niaga Indovest Finance in 2001. In 2005 Orang Tua Group acquired PT and services required for business investment
Niaga Indovest Finance then changed its name to PT HD Finance in 2005. activities. Facilities : Sale & Leaseback, Lease
Financing, Purchase with Installment Payment
• In 2011, PT HD Finance conducted a public offering of shares Initial Public Offering (IPO)
and listing its shares on the Stock Exchange Indonesia with HDFA code. In 2013 PT Tiara
Marga Trakindo became controlling shareholder of the Company. Then, in 2014 PT HD
2 Working Capital Financing
Finance Tbk again changed its name to PT Radana Bhaskara Finance Tbk. In 2015 the
Company carried out PMHMETD I. Furthermore In 2019, Rubicon Investments Holding Working capital financing facility to support
Pte Ltd ("Rubicon") became a controlling shareholder of Radana Finance. Then in 2021, selected & assessed clients, with ABF clients as the
the Extraordinary General Meeting of Shareholders approved the addition of capital baseline
through the mechanism of Capital Increase Without Pre-emptive Rights (PMTHMETD) of Facilities: Invoice-based financing, Working Capital
a maximum of 10% of the issued and paid-up capital of the Company. On November Financing (FMU).
26, 2021, 445,473,000 new shares have been issued. The composition of Radana
Finance's shareholders is as follows:
Competitive Advantages
7.6%
• The leading non-bank & non-dealer affiliated multifinance in Indonesia
Rubicon Investments Holding Pte Ltd
37.2% 55.2%
• Flexible investment financing solutions
PT Tiara Marga Trakindo
• Progressive Financing partner of a leading heavy equipment dealer in Indonesia
Public • The Best Performance Multifinance Company 2023 by infobank
Public Expose 2026 PT Radana Bhaskara Finance Tbk
6
Page 6
History of the Company
2021 2023 2024 2025
Radana held private Productive Financing, achieved Achieved 5.2T Financing Maintained 5.0T
placement to increase 2.8T Financing Outstanding AR reached 3T Financing with
public shares Outstanding AR reached 2T Outstanding AR
maintained at 3T
2020 2019 2015 2014 PT HD Finance changed its
Rubicon closed the deal after
Radana held HMETD II (Rights Radana held HMETD I (rights name to PT Radana Bhaskara
MTO in April
Issue) & Rubicon became the issue) Finance Tbk
controlling shareholder
1972 2013
PT Indonesia Lease
2005 Orang Tua Group acquired
2011 Tiara Marga Trakindo (TMT)
PT. HD Finance held Initial
Corporation (Indo Lease) was Indo Lease and changed its Public Offering (IPO) and became the major
established name to HD Finance became a public company shareholder
Public Expose 2026 PT Radana Bhaskara Finance Tbk
7
Page 7
Agenda
6-7 Company in a Brief 1
9 - 10 Macroeconomy & Industry Condition 2
12 - 17 Operational & Financial Performance 3
19 Banking Supporters 4
21 2026 Strategy 5
Public Expose 2026 PT Radana Bhaskara Finance Tbk
8
Page 8
Macro & Industry
Inflation (%) Source: BI Non-Performing Performance – Multi Finance (%) Source: OJK
1.57 1.03 1.87 2.65 2.92
4Q24 1Q25 2Q25 3Q25 4Q25
2.70 2.71 2.55 2.51
PDB (%) Source: BPS
5.02 4.87 4.04 5.04 5.11
4Q24 1Q25 2Q25 3Q25
4Q24 1Q25 2Q25 3Q25 4Q25
Investment Financing (IDR Bn) Sumber: OJK Working Capital Financing (IDR Bn) Source: OJK
177,339 177,030 51,686 51,596
51,018
173,769
170,519 49,911
4Q24 1Q25 2Q25 3Q25 4Q24 1Q25 2Q25 3Q25
9
Page 9
Macro & Industry
Coal Production (Mn Ton) Source: ESDM CPO Plantation (Mn Ha) Source: Ditjen Perkebunan
836 17.13
775 790 16.83
710 740
663 687 695
625 614
15.93
15.34
Target
14.62
Actual
2021 2022 2023 2024 2025 2021 2022 2023 2024 2025
Source: BPS
Nickel Production (Mn Source: Asosiasi Penambang Nikel Indonesia
(APNI) Transportation & Logistic Sector To GDP (IDR Tn)
Ton) 1466.2
3.74 1358.1
1231.2
2.5 983.5
2.2
1.8 719.6
1.6
1.04
2021 2022 2023 2024 2025 2030 (F) 2021 2022 2023 2024 2025
10
Page 10
Agenda
6-7 Company in a Brief 1
9 - 10 Macroeconomy & Industry Condition 2
12 - 17 Operational & Financial Performance 3
19 Banking Supporters 4
21 2026 Strategy 5
Public Expose 2026 PT Radana Bhaskara Finance Tbk
11
Page 11
Operational & Financial Performance
Performance Summary FY 2025
5,03 T 3,34% 2,90 T
New Booking NPF- Net Ratio Total Liabilities
PAT 3,39 T 491 B
(81,55) B
Profit Total Asset Total Equity
Source: Radana Finance
Notes: T for Trillion, B for Billion, in Rupiah
Public Expose 2026 PT Radana Bhaskara Finance Tbk
12
Page 12
Operational & Financial Performance
Operational Performance FY 2025
New Booking (in IDR Bn) In 2025, Radana recorded a total financing disburse of
IDR 5,028 Billion with a composition of;
+82% -4%
5.227 5,028 Financing
+48% Financing Disbursed Des-25 Financing Disbursed Des-24
2.871 Product
1.943
Factoring 59% IDR 2,29Trillion IDR 3,07 Trillion
ABF 28% IDR 1,96 Trillion IDR 1,48 Trillion
2022 2023 2024 2025 FMU 13% IDR 0.78 Trillion IDR 0.68 Trillion
Account Receivables (in IDR Bn) In 2025, Radana recorded a total Account Receivables
+10% 2.970 of IDR 2,970 Billion with a composition of:
+35% 2.691
+35% 1.987 Financing
1.469 Financing Disbursed Des-25 Financing Disbursed Des-24
Product
Factoring 22% IDR 0,66 Trillion IDR 1,03 Trillion
ABF 72% IDR 2,12 Trillion IDR 1,58 Trillion
2022 2023 2024 2025 FMU 6% IDR 0,19 Trillion IDR 0,09 Trillion
NPF-Net (in %) • NPF-Net is recorded at 3.34% as of Des 2025, result of
3,34% effort of maintaining disbursement at IDR 5Trillion and
(0,40)% 1,33%
1,81% 2.14% 1,97% applying the credit risk policies to guard quality.
0.04% Focusing on ABF is theme for credit quality growth.
2022 2023 2024 2025
Source: Radana Finance
Public Expose 2026 PT Radana Bhaskara Finance Tbk
13
Page 13
Operational & Financial Performance
Financial Performance FY 2025
Revenue (in IDR Billion)
+8% 417
387
+51%
260
200 +30%
Profit & Loss Des 2025 in Snapshot:
2022 2023 2024 2025
• Total Revenue - IDR 417 Billion
• Total Operating Expense* - IDR 515 Billion
OPEX (in IDR Billion)
*Including additional provisioning for Receivables in the
+33% 515 settlement process
386
+49%
255
+51%
144
2022 2023 2024 2025
Source: Radana Finance
Public Expose 2026 PT Radana Bhaskara Finance Tbk
14
Page 14
Operational & Financial Performance
Financial Performance FY 2025
Net Profit/Net Loss (in IDR Billion)
44
(231%)
(91%)
2022 2023 +25% 2024 2025
(43)
(57)
(82) • Total Net Loss was at IDR 82 Billion 2025 vs
Net Loss of IDR 43 billion YE 2024
NPM (in %)
21,89%
(44%) (8%) -19.54%
+11% -11,11%
2022 2023 2024 2025
-22,02%
Source: Radana Finance
Public Expose 2026 PT Radana Bhaskara Finance Tbk
15
Page 15
Operational & Financial Performance
Financial Performance FY 2025
Asset (In IDR Billion)
3.191 3,389
2.460 +30% +6%
1.737 +42%
2022 2023 2024 2025
Balance Sheet 2025 Snapshot:
Liabilities (in IDR Billion) • Total assets - IDR 3.4 Trillion
+11% • Total liabilities - IDR 2.9 Trillion
+42% 2.618 2,898
+73% 1.844 • Total equity - IDR 0.5 Trillion
1.064
2022 2023 2024 2025
Equity (in IDR Billion)
673 (9)% 616 573 491
(7)% (14)%
2022 2023 2024 2025
Source: Radana Finance
Public Expose 2026 PT Radana Bhaskara Finance Tbk
16
Page 16
Operational & Financial Performance
Top Heavy Equipment & Truck Brands Financed in 2025
Source: Radana Finance
Public Expose 2026 PT Radana Bhaskara Finance Tbk
17
Page 17
Agenda
6-7
Company in a Brief 1
9 - 10 Macroeconomy & Industry Condition 2
12 - 17 Operational & Financial Performance 3
19 Banking Supporters 4
21 2026 Strategy 5
Public Expose 2026 PT Radana Bhaskara Finance Tbk
18
Page 18
Banking Supporters
Syndication loan Lead by
Syariah bank Offshore bank
Public Expose 2026 PT Radana Bhaskara Finance Tbk
19
Page 19
Agenda
6-7 Company in a Brief 1
9 - 10 Macroeconomy & Industry Condition 2
12 - 17 Operational & Financial Performance 3
19 Banking Supporters 4
21 2026 Strategy 5
Public Expose 2026 PT Radana Bhaskara Finance Tbk
20
Page 20
Strategy 2026
1 Development and strengthening of Investment and Working Capital Financing Products.
2 Increasing market share through expansion of coverage to new potential cities
3 Strengthening relationships with existing and new potential dealers, supported by various marketing programs
4 Offering working capital financing to existing debtors (Cross-Sell, Pre-Approved, etc.)
5 Sharpening strategy by focusing on the Key Accounts Approach
6 Enhancing skills and knowledge for all employees, further improving process efficiency
7 Expanding funding access from banks (domestic and international) with competitive interest rate offerings
Public Expose 2026 PT Radana Bhaskara Finance Tbk
21
Page 21
Thank You
CIBIS Nine Building, Jl. TB Simatupang No.2 11th Floor Suite W-16,
RT.1/RW.5, Cilandak Tim., Ps. Minggu, Kota Jakarta Selatan, Daerah
Khusus Ibukota Jakarta 12560
Public Expose 2026 PT Radana Bhaskara Finance Tbk
22
Names mentioned 20 people and organisations named in the text · linked when the evidence is strong
unresolved
person
Dameria Sambajon
· Director
p.2
unresolved
org
PT Indonesia Lease Corporation
p.5
unresolved
org
PT. Mitra Pradityatama Leasing
p.5
unresolved
org
PT Niaga Leasing Corporation
p.5
unresolved
org
PT Niaga
p.5
unresolved
org
PT Niaga Indovest Finance
p.5
unresolved
org
PT HD Finance
p.5 ×4
unresolved
org
PT HD
p.5
unresolved
org
Working Capital Financing Finance Tbk
p.5
unresolved
org
Pte Ltd
p.5
unresolved
org
Indonesia Rubicon Investments Holding Pte Ltd
p.5
unresolved
org
PT Radana Bhaskara MTO
p.6
unresolved
org
Finance Tbk
p.6
unresolved
org
Initial Corporation
p.6
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.