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PT KDB Tifa Finance Tbk Public Expose 2026 31 March 2026
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Agenda
1 . Company Profile
2. Financial Performance for 2025
3. Business Strategy 2026
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1.1. Company History, Vision & Mision
1989 2000 2011 2020 2021 2024
Sejarah
History Renamed Total Equity Total Assets
Renamed IPO on the > IDR 1 exceed IDR
Established Indonesia to KDB
June 14, 1989 to PT Tifa Tifa Trillion 2 Trillion
Finance Stock
Exchange Finance SEP: Rights Issue I
Established of Acquired Total
Sharia Unit by KDB Issuance IDR 642.8
Billion
Vision Indonesia’s Financial Platform leading to bright future
Advanced Financial Institution at the forefront
Mision
of sustainable growth
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1.2. Shareholder Structure
KDB DSU Public
(Korea Development Bank) (PT Dwi Satrya Utama)
77,50% 15,00% 7,50%
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1.3. Management
Board of
Commissioners
President Independent Independent
Commissioner Commissioner Commissioner
Kwon Younghoon Choi Jung Sik Antonius Hanifah Komala
Board of
Directors
President Director Director Director Director
Cho Jaeseong Eun Seonghyuk Ina Dashinta Hamid Ade Rafida Saulina
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1.4. Office Network
Head Office Branch Office
Jakarta Surabaya
Pacific Century Place Floor 41st Representative Office
Jl. Jenderal Sudirman Kav. 52-53 Semarang | Balikpapan | Makassar | Pekanbaru
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Agenda
1 . Company Profile
2. Financial Performance for 2025
3. Business Strategy 2026
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2.1. Financial Performance (2024 vs 2025)
(in Million Rupiah)
182,531 176,793
1,608,519 1,660,558
Total
Revenue
Net Portfolio
3.14% 2024.4Q 2025.4Q
3.24%
2024.4Q 2025.4Q
2,057,954 2,040,691 101,589 99,229
Total
Asset Expenses
0.84% 2.32%
2024.4Q 2025.4Q 2024.4Q 2025.4Q
842,442 822,334 80,942 77,564
Total
Profit
Liabilities
Before Tax
2.39%
2024.4Q 2025.4Q 4.17% 2024.4Q 2025.4Q
1,215,512 1,218,357 Comprehensive 65,720 66,785
Total Income
Equity After Tax
0.23% 2024.4Q 2025.4Q 1.62% 2024.4Q 2025.4Q
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2.2. Operational Performance (2025)
Financing Disbursements (in Millions of Rupiah)
298.386
107.326 134.758
51.691 48.000 87.444 91.659 53.399 59.798
64.294
18.879
22.479
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
The Company’s financing disbursement performance as of December 2025 reached 94.4% of the total target set for 2025
Net NPF Ratio
1,14% 1,12% 1,06%
0,81% 0,91% 0,91%
0,82% 0,86% 0,80%
0,71%
0,74%
0,71%
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
The Company’s average NPF ratio stands at 0.88%, which remains within manageable levels, and the Company is committed to
maintaining the NPF ratio in compliance with regulations and at a healthy level
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2.3. Financing Portfolio
# By Type of Financing
2024 2025
0,0% 4,9% 11,2%
0,5% 0,0%
0,1%
88,7%
94,6%
Investment Investment
Working Capital Working Capital
Multipurpose Multipurpose
Sharia Financing Sharia Financing
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2.4. Financing Portfolio
#Based on Asset
2024 2025
5,0%
2,7% 3,6% 3,0%
8,7% 8,5%
34,2%
12,7%
15,9%
46,9%
25,3% 33,4%
Others Others
Medical Equipment Medical Equipment
Maritime Transportation Maritime Transportation
Machine Machine
Land Transportation Land Transportation
Heavy Equipment Heavy Equipment
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Agenda
1 . Company Profile
2. Financing Performance for 2025
3. Business Strategy 2026
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3.1. Business Strategy 2026
1. Supporting the Productive Sector
▪ The Company will focus on strengthening the fundamentals and capabilities of the Indonesia economy by supporting local
business – including small business and medium-sized enterprises with growth potential, medium-sized and/or large
enterprises seeking a springboard to global markets, and Korean business operating in Indonesia or planning to invest in
Indonesia.
2. Leading Innovation in the Financial Industry
▪ The Company will lead the way in the Indonesian financial industry by diversifying into new financing channels to further
expand its business capacity and better meet customer needs. Our innovations in the financial industry will enhance our
capabilities and expand our involvement in infrastructure.
3. Contributing to Sustainable Growth
▪ The Company will play a role in facilitating financing that contributes to social responsibility. Furthermore, KDB Tifa Finance
will support industrial and business sectors that contribute to enhancing social and environmental values in an effort to
promote sustainable growth, increasing green financing
4. Strengthening Internal Capabilities
▪ Through human resource development, the continuation of digital transformation, and the enhancement of risk
management that is adaptable to the characteristics of productive financing
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3.2. 2026 Business Plan
# Strengthening the core
#New Disbursement # A well-diversified
Productive Financing
Rp 1,25 T Portfolio
Business
▪ Financing Disbursement Plan: ▪ Improving portfolio quality
MSME Financing: IDR 60 Mio based on the principle of Focus on continuing the
Sharia Financing: IDR 95 Mio prudence financing strategy in the
Infrastructure Financing: IDR 70 Mio ▪ Diversifying the portfolio by construction, manufacturing,
Renewable Energy: IDR 15 Mio providing financing for logistics, and healthcare
▪ Achieving target sales volume infrastructure projects/development sectors
with a healthy margin spread in the telecommunications and oil &
gas sectors
# Action Plan
✓ Strengthening capital while maintaining optimal profitability;
✓ Expanding funding sources and maintaining cost-of-funds efficiency;
✓ Cost efficiency through control of operating expenses;
✓ Product development and financing innovation;
✓ Strengthening employee quality and competence;
✓ Human Resource Development that is more focused, measurable, and meets business needs;
✓ Development and Procurement of Information Technology that can support business and operational
processes sustainably;
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3.3. Financial Projections
(in Rupiah)
Projections
2025 2025
Financial Indicators
Target Realization
June 2026 December 2026
Total Net Portfolio 1.602.229.315.623 1.660.558.047.000 1.727.099.812.689 1.858.141.014.240
Total Asset 1.826.611.266.075 2.040.691.412.000 2.010.636.048.206 2.124.104.601.372
Total Liabilities 573.406.193.368 822.334.406.000 765.686.472.118 909.472.082.152
Total Equity 1.253.205.072.707 1.218.357.006.000 1.244.949.576.088 1.214.632.519.220
Revenue 201.548.677.746 176.792.871.000 97.745.686.004 203.467.745.981
Expenses 118.822.507.386 99.228.864.000 57.110.491.967 125.019.885.534
Profit Before Tax 82.726.170.360 77.564.007.000 40.635.194.037 78.447.860.447
Comprehensive
65.353.674.584 66.785.035.000 31.898.627.319 61.581.570.451
Income After Tax
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3.4. Financial Projections
Projections
2025 2025
Ratio
Target Realizations
June 2026 December 2026
Capital Ratio 121,51% 97,36% 106,16% 96,38%
NPF net 1,00% 0,71% 1,00% 1,00%
ROA 4,56% 4,31% 4,47% 4,11%
ROE 5,29% 5,49% 5,25% 5,06%
BOPO 58,95% 58,96% 59,25% 62,31%
Gearing Ratio 0,38x 0,60x 0,49x 0,61x
Net Financing Receivables to 87,72%
81,37% 85,90% 87,48%
Total Asset Ratio
Net Investment and Working
Capital Financing to Net 93,47% 88,80% 92,53% 92,27%
Financing Receivables Ratio
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Thank You
Pacific Century Place 41th Floor, SCBD Lot 10
Jl. Jenderal Sudirman Kav. 52-53
Jakarta Selatan 12190, Indonesia
Website : www.kdbtifa.co.id
Email : corporate.secretary@kdbtifa.co.id
Names mentioned 9 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT Tifa
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