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Penurunan Aset dan Liabilitas PT JMFI.pdf
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JACESMPM FINANCE Jakarta, 31 Maret 2026 No Hal/ Subject :007/CORSEC/!I1/2026 : Penjelasan atas Penurunan Aset dan Liabilitas PT JACCS Mitra Pinasthika Mustika Finance Indonesia (“Perseroan”) Lebih dari 2046 per 31 Desember 2025 Explanation on Decrease in Assets and Liabilitiesof PT JACCS Mitra Pinasthika Mustika Finance Indonesia (“the Company”) Exceeding 2016 as of December 31"', 2025 Kepada Yth./ To Whom It May Concern. Direksi PT Bursa Efek Indonesia Indonesia Stock Exchange Building, Tower 1 Jl. Jend, Sudirman Kav 52-53 Jakarta 12190 Dengan hormat, Sesuai dengan Peraturan Nomor I-E tentang Kewajiban Penyampaian Informasi, maka bersama ini kami sampaikan penjelasan atas penurunan Aset dan Liabilitas lebih dari 2046 pada Laporan Keuangan per 31 Desember 2025 (Diaudit oleh KAP Siddharta Widjaja & Rekan) sebagai berikut: Sincerely, In accordance with the Rule Number I-E concerning Obligations to Submit Information, we hereby provide the explanation on decrease in the total Assets and Liabilities exceeding 204 in the Financial Statements as of December 31", 2025 (Audited by Public Accountants Siddharta Widjaja & Rekan) as . follows: Dalam jutaan Rupiah/ In million Rupiah Uraian/ Desember 2025/ Desember 2024/ Total Penurunan/ | Persentase/ Descriptions December 2025 December 2024 Decrease in Total Percentage A | Total Aset/ Assets 4.040.380 6.857.317 (2.816.937) | -41,0844 .8 | Total Liabilitas/ Liabilities 3.044.843 5.422.883 (2.378.040) | -43,854 A. Penurunan total aset terutama disebabkan oleh: — A. The decrease in total assets was mainly due to: Dalam jutaan Rupiah/ In million Rupiah n/ Desember2025/ | Desember2024/ | Total Penurunan/ | Persentase/ Descriptions December 2025 December 2024 | Decrease in Total | Percentage 1 | Kas dan Bank/ 132.990 403.173 (270.183) -67,0176 Cash and Bank ' 0 2 | Piutang Pembiayaan/ 3.525.563 5.604.167 (2.078.604) “37,094 | Finance Receivables 3 | Piutang Sewa Pembiayaan/ 150.840 487.731 (336.891) -69,0776 Finance Lease Receivables . 4 . 4 | Aset Pajak Tangguhan— Bersih/ 76.364 141.522 (65.158) -16,047 Deferred Tax Assets — Net 1. Penurunan Kas dan Bank sebesar 270.183 atau 1. The decrease in Cash and Bank by 270,183 or PT JACCS Mitra Pinasthika Mustika Finance Indonesia Gedung Lippo Kuningan Lt 67,019 antara lain disebabkan karena: e Turunnya kas bersih yang diperoleh dari aktivitas operasi sebesar 976.323 atau 88K, (2025: 2.082.018, 2024: 1.105.695), yang sebagian besar disebabkan dari turunnya penerimaan kas dari transaksi pembiayaan. e Kenaikan/meningkatnya kas bersih yang digunakan untuk aktivitas pendanaan sebesar 1.343.202 atau 13496 (2025: 2.344.330, 2024: 1.001.128), yang sebagian T 46221 2971 0100 25 F462 21 2911 0313 Jl. H.R. Rasuna Said Kav. B-12 Jakarta 12940 - Indonesia wwwjaces-mpmfinance.com 67.015 was mainly due to: e A decline in net cash provided by operating activities amounting to 976,323 or 884 (2025: 2,082,018: 2024: 1,105,695), which was largely driven by lower cash received from financing transactions. @# An increase in net cash used in financing activities of 1,343,202 or 13416 (2025: 2,344,330, 2024: 1,001,128), primarily due
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JACESMPM FINANCE besar disebabkan dari pembayaran kembali atas utang obligasi dan surat hutang jangka menengah sebesar 650.000 dan 300.000 masing-masingnya. 2. Penurunan piutang pembiayaan sebesar 2.078.604 atau 37,0996 disebabkan turunnya penyaluran pembiayaan baru sebesar 62,5116 atau 1.964.528 (2025: 1.178.219, 2024: 3.142.747). Adapun penurunan penyaluran pembiayaan baru tersebut dikarenakan penerapan credit screening yang lebih selektif dan penghentian sementara waktu (stop booking) pembiayaan baru untuk mobil baru/ bekas dan multi produk sejak Oktober 2024. 3. Penurunan piutang sewa pembiayaan 336.891 atau 69,074 disebabkan karena penutupan bisnis Sewa Pembiayaan secara permanen sejak Januari 2025. 4. Penurunan aset pajak tangguhan sebesar 65.158 atau 46,04X, sebagian besar dikarenakan koreksi fiskal atas penyisihan kerugian penurunan nilai sebesar 65.781. B. Penurunan liabilitas terutama disebabkan oleh: payment of medium-term notes amounting to 650,000 and 300,000 respectively. 2. The 'decrease in financing receivables by 2,078,604 or 37.094 was due to a decline in new financing disbursements of 62.514 or 1,964,528 (2025: 1,178,219, 2024: 3,142,747). The decrease in new financing disbursements resulted from the implementation of more Strict credit screening and temporary stop booking of new/used car financing and multi product financing since October 2024. 3. The decrease in finance Lease receivables by 336,891 or 69.0795 was caused by the permanent close of the Finance Lease business starting January 2025. 4. The decrease in deferred tax assets by 65,158 or 46.045 was mainly driven by fiscal adjustments on allowance for impairment loss amoyiiting to 65,781. B. The decrease in liabilities was mainly due to: Dalam jutaan Rupiah/ In million Rupiah Uraianf Desember 2025/ Desember 2024/ Total Penurunan/ Persentase/ Descriptions December 2025 December 2024 Decrease in Total Percentage 1 | Pinjaman yang diterima/ 2.313.462 3.671.491 (1.358.028) “36,999 Borrowings 2 | Utang Obligasi/ 586.283 1.240.949 (654.666) -52,7690 Bond Payable Na 3 | Surat Utang Menengah/ - 302.253 (302.253) -100,0076 Medium-Term Notes 1. Penurunan pinjaman yang diterima sebesar 1.358.029 atau 36,999 sebagian besar dikarenakan pembayaran pinjaman sebesar 2.113.748 dan penerimaan pinjaman sebesar 725.000. Pinjaman yang diterima yang berasal dari pinjaman bank. 2. Penurunan utang obligasi sebesar 654.666 atau 52,76# dikarenakan pelunasan sesuai jatuh tempo selama tahun 2025. 3. Penurunan surat utang menengah sebesar 302.253 atau 10095 dikarenakan pelunasan sesuai jatuh tempo selama tahun 2025. 1. The decrease in borrowings by 1,358,029 or 36.997 was primarily due to payments of borrowings amounting to 2,113,748 and proceeds from borrowings of 725,000. The borrowings received were sourced from bank loans. 2. The decrease in bonds payable by 654,666 or 52.769 was due to payment at the maturity 2025. 3. The decrease in medium-term notes by 302,253 or 10056 was due to payment at the maturity during 2025. t "Hormat kami/ Regards, PT JACCS MITRA PINASTHIKA MUSTIKA FINANCE INDONESIA Ik AGesMPM TE FINANCE Hajimu Yukimoto Direktur Keuangan/ Finance Director Handoko Direktur/ Director T46221 2971 0100 F462 2129110813 PT JACCS Mitra Pinasthika Mustika Finance Indonesia Gedung Lippo Kuningan Lt. 25 Jl. H.R. Rasuna Said Kav. 8-12 Jakarta 12940 - Indonesia www jaces-mpmfinance.com
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PT Bursa Efek Indonesia Indonesia Stock Exchange Building
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Indonesia Stock Exchange
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Siddharta Widjaja & Rekan
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Siddharta Widjaja
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Public Accountants Siddharta Widjaja & Rekan
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PT JACCS MITRA PINASTHIKA MUSTIKA FINANCE INDONESIA Ik
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