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Page 1
                                                                                                                                  Rating Summary
                                                                                                                                               October 4, 2023


                                                 PT Perusahaan Pengelola Aset
Credit Rating(s)                                          PEFINDO has affirmed its idAA ratings to PT Perusahaan Pengelola Aset (PPA) and its
General Obligation (GO)                idAA/Stable        outstanding Bond I/2020, its idAA(sy) rating to PPA’s outstanding Sukuk, as well as its
Bond I/2020                                     idAA      idA1+ rating to the Company’s Surat Berharga Komersial (SBK) II/2022. Outlook for the
Sukuk Wakalah Bi Al-Istitsmar 1             idAA(sy)      corporate rating is stable. The rating reflects a very strong likelihood of support from
Sukuk Wakalah Bi Al-Istitsmar 2             idAA(sy)      the Indonesian government. PPA’s standalone credit profile does not drive the rating,
Surat Berharga Komersial II                   idA1+       which reflects its strong positioning as a distressed asset management company,
                                                          strong capitalization, and modest profitability. PEFINDO has also affirmed PPA’s rating
Rating Period                                             regarding its corporate action on September 6, 2023.
October 2, 2023 – October 1, 2024
                                                          The rating may be raised if PEFINDO views the support from the Indonesian
                                                          government as likely to strengthen, accompanied by a greater role and contribution
Published Rating History
                                                          to the government and the banking industry as a national asset management
OCT 2022                                idAA/Stable
                                                          company, as well as maintenance of modest financial performance. However, the
JUL 2022                                idAA/Stable
                                                          rating may be lowered if the government support and commitment weaken
JUN 2022                                idAA/Stable
                                                          significantly. Such downside pressure may also arise if PPA’s financial indicators
MAR 2022                                idAA/Stable
                                                          deteriorate significantly without a strong indication of government support.
DEC 2021                                idAA/Stable
MAR 2021                                idA/Positive      PPA was established in 2004 under Peraturan Pemerintah (PP) No. 10/2004 to manage
MAR 2020                                  idA/Stable      assets of the former Indonesian Banking Restructuring Agency (IBRA or BPPN). Under
OCT 2019                                  idA/Stable      PP No. 61/2008, its mandate was augmented, expanding its tasks to not only confined
                                                          to managing assets from the former BPPN but also other state-owned enterprises
                                                          (SOEs), restructuring and revitalizing SOEs, providing asset management and
                                                          financing services to other parties, as well as setting up a commercial line of business.
                                                          In 2014, the mandate was further expanded, comprising business consultation and
                                                          asset management and development services, including the regional government and
                                                          private sector. Initially fully owned by the Government of Indonesia, PPA is now a
                                                          subsidiary of PT Danareksa (Persero), with the government’s Dwiwarna share
                                                          remaining.


Rating Definition                                        Financial Highlights
A debt security rated idAA differs from the highest-
rated debt only to a small degree. The issuer’s           As of/for the year ended                               Jun-2023            Dec-2022          Dec-2021          Dec-2020
capacity to meet its long-term financial commitments      Consolidated figure                                   (Unaudited)           (Audited)         (Audited)          (Audited)
on the debt security, relative to those of other          Total assets [in IDR bn]                                   16,560.9          14,817.2           17,662.5          12,954.4
Indonesian issuers, is very strong.                       Net receivables [IDR bn]                                     3,320.4           3,178.9           1,837.5            3,090.2
                                                          Net service assets [IDR bn]                                  5,886.9           5,756.8           4,462.3            4,729.3
A short-term debt security rated idA1+ has the highest    Total equity [IDR bn]                                        9,951.6           7,691.0           9,368.8            3,658.1
rating category assigned by PEFINDO. The obligor’s
                                                          Net interest revenue [IDR bn]                                   58.3             202.5             145.9              139.7
capacity to meet its short-term commitments on the
                                                          Net income [IDR bn]                                            144.8             180.7             165.1              105.8
debt security, relative to those of other Indonesian
                                                          Cost to income [%]                                              59.2               79.2              76.0              94.9
obligors, is superior.
                                                          Operating profit margin [%]                                     17.7                9.0                4.5               5.9
                                                          ROAA (including off-balance) [%]                                  1.8               1.1                1.1               0.8
                                                          NPR balance / NSA [%]                                            N/A               N/A               N/A                N/A
                                                          Reserves / NSA [%]                                               N/A               37.8              50.0              32.9
                                                          Equity / NSA [%]                                               169.0             133.6              210.0              77.4
                                                          Total debt / equity [x]                                           0.7               0.9                0.9               2.5
                                                          Short-term liquidity ratio [%]                                 696.5             435.3              242.4              17.5
                                                          USD exchange rate [USD/IDR]                                  15,026             15,731            14,269            14,105
                                                         *Attributable to Parent (After Minority Interest)
Contact Analysts:                                        **Annualized
danan.dito@pefindo.co.id
                                                         The above ratios have been computed based on information from the company and published accounts. Where applicable, some items have
handhayu.kusumowinahyu@pefindo.co.id                     been reclassified according to PEFINDO’s definitions.


   http://www.pefindo.com                                                                  1/4                                                                              October 2023
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                                                                                                                          Rating Summary
                                                                                                                                      October 4, 2023




DISCLAIMER
The rating contained in this report or publication is the opinion of PT Pemeringkat Efek Indonesia (PEFINDO) given based on the rating result on the date the rating
was made. The rating is a forward-looking opinion regarding the rated party’s capability to meet its financial obligations fully and on time, based on assumptions
made at the time of rating. The rating is not a recommendation for investors to make investment decisions (whether the decision is to buy, sell, or hold any debt
securities based on or related to the rating or other investment decisions) and/or an opinion on the fairness value of debt securities and/or the value of the entity
assigned a rating by PEFINDO. All the data and information needed in the rating process are obtained from the party requesting the rating, which are considered
reliable in conveying the accuracy and correctness of the data and information, as well as from other sources deemed reliable. PEFINDO does not conduct audits,
due diligence, or independent verifications of every information and data received and used as basis in the rating process. PEFINDO does not take any responsibility
for the truth, completeness, timeliness, and accuracy of the information and data referred to. The accuracy and correctness of the information and data are fully the
responsibility of the parties providing them. PEFINDO and every of its member of the Board of Directors, Commissioners, Shareholders and Employees are not
responsible to any party for losses, costs and expenses suffered or that arise as a result of the use of the contents and/or information in this rating report or publication,
either directly or indirectly. PEFINDO generally receives fees for its rating services from parties who request the ratings, and PEFINDO discloses its rating fees prior to
the rating assignment. PEFINDO has a commitment in the form of policies and procedures to maintain objectivity, integrity, and independence in the rating process.
PEFINDO also has a “Code of Conduct” to avoid conflicts of interest in the rating process. Ratings may change in the future due to events that were not anticipated
at the time they were first assigned. PEFINDO has the right to withdraw ratings if the data and information received are determined to be inadequate and/or the rated
company does not fulfill its obligations to PEFINDO. For ratings that received approval for publication from the rated party, PEFINDO has the right to publish the
ratings and analysis in its reports or publication, and publish the results of the review of the published ratings, both periodically and specifically in case there are
material facts or important events that could affect the previous ratings. Reproduction of the contents of this publication, in full or in part, requires written approval
from PEFINDO. PEFINDO is not responsible for publications by other parties of contents related to the ratings given by PEFINDO.



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                                                                                                                             Ikhtisar Peringkat
                                                                                                                                                 4 October 2023


                                                PT Perusahaan Pengelola Aset
                                                          PEFINDO menegaskan peringkat idAA kepada PT Perusahaan Pengelola Aset (PPA)
Credit Rating(s)                                          dan Obligasi I/2020, peringkat idAA(sy) untuk Sukuk Perusahaan yang masih beredar,
General Obligation (GO)             idAA/Stable           dan juga peringkat idA1+ untuk Surat Berharga Komersial (SBK) II/2022. Prospek
Bond I/2020                                    idAA       peringkat perusahaan adalah stabil. Peringkat mencerminkan dukungan yang sangat
Sukuk Wakalah Bi Al-Istitsmar 1           id AA   (sy)    kuat dari pemerintah Indonesia. Profil kredit standalone PPA memiliki dampak yang
Sukuk Wakalah Bi Al-Istitsmar 2           idAA(sy)        terbatas terhadap peringkat, yang mencerminkan posisi yang kuat sebagai
Surat Berharga Komersial II                  idA1+        perusahaan manajemen aset, permodalan yang kuat, dan profitabilitas yang kecil.
                                                          PEFINDO juga telah mengafirmasi peringkat PPA terkait aksi korporasinya di tanggal
Rating Period                                             6 September 2023.
October 2, 2023 – October 1, 2024                         Peringkat dapat dinaikkan jika PEFINDO melihat kemungkinan dukungan yang lebih
                                                          kuat dari Pemerintah Indonesia. Hal ini juga harus diikuti dengan perluasan peran
Published Rating History                                  atau kontribusi kepada pemerintah dan industri perbankan sebagai perusahaan
OCT 2022                              idAA/Stable         manajemen aset nasional, dan juga performa finansial yang moderat. Di sisi lain,
JUL 2022                              idAA/Stable         peringkat dapat diturunkan jika dukungan dan komitmen Pemerintah Indonesia
JUN 2022                              idAA/Stable         melemah secara signifikan. Peringkat dapat juga turun jika PPA mengalami
MAR 2022                              idAA/Stable         pemburukan signifikan pada indikator keuangannya, tanpa adanya indikasi dukungan
DEC 2021                              idAA/Stable         yang kuat dari Pemerintah Indonesia.
MAR 2021                              idA/Positive
MAR 2020                                                  Didirikan di tahun 2004 melalui Peraturan Pemerintah (PP) No. 10/2004 untuk
                                        idA/Stable
OCT 2019                                                  mengelola aset eks Badan Penyehatan Perbankan Nasional (BPPN), PPA menerima
                                        idA/Stable
                                                          mandat yang lebih luas melalui PP No. 61/2008 untuk tidak hanya mengelola aset-
                                                          aset eks-BPPN, namun juga mengelola aset-aset Badan Umum Milik Negara (BUMN),
                                                          merestrukturisasi dan revitalisasi BUMN, memberikan jasa manajemen aset dan
                                                          pembiayaan kepada pihak ketiga, serta memiliki lini bisnis komersial. Di tahun 2014,
                                                          mandat Perusahaan kembali diperluas dengan penambahan kegiatan jasa konsultasi
                                                          bisnis, manajemen dan pengembangan aset, termasuk untuk pengelolaan aset milik
                                                          pemerintah daerah dan milik swasta. Awalnya dimiliki sepenuhnya oleh Pemerintah
                                                          Indonesia, saat ini PPA sudah bergabung menjadi anak usaha dari PT Danareksa
                                                          (Persero), dengan pemerintah masih memiliki saham Dwiwarna di Perusahaan.


Rating Definition                                        Financial Highlights
 Efek utang dengan peringkat idAA memiliki sedikit
 perbedaan dengan peringkat tertinggi yang                As of/for the year ended                               June-2023           Dec-2022             Dec-2021            Dec-2020
 diberikan. Kemampuan emiten untuk memenuhi               Consolidated figure                                   (Unaudited)             (Audited)           (Audited)           (Audited)
 komitmen keuangan jangka panjang atas efek utang         Total assets [in IDR bn]                                   16,560.9            14,817.2            17,662.5            12,954.4
 tersebut, dibandingkan dengan emiten lainnya di          Net receivables [IDR bn]                                     3,320.4             3,178.9             1,837.5             3,090.2
 Indonesia, adalah sangat kuat.                           Net service assets [IDR bn]                                  5,886.9             5,756.8             4,462.3             4,729.3
                                                          Total equity [IDR bn]                                        9,951.6             7,691.0             9,368.8             3,658.1
                                                          Net interest revenue [IDR bn]                                   58.3               202.5               145.9               139.7
                                                          Net income [IDR bn]                                            144.8               180.7               165.1               105.8
                                                          Cost to income [%]                                              59.2                 79.2                76.0                94.9
                                                          Operating profit margin [%]                                     17.7                  9.0                 4.5                 5.9
                                                          ROAA (including off-balance) [%]                                  1.8                 1.1                 1.1                 0.8
                                                          NPR balance / NSA [%]                                            N/A                 N/A                 N/A                 N/A
                                                          Reserves / NSA [%]                                               N/A                 37.8                50.0                32.9
                                                          Equity / NSA [%]                                               169.0               133.6               210.0                 77.4
                                                          Total debt / equity [x]                                           0.7                 0.9                 0.9                 2.5
                                                          Short-term liquidity ratio [%]                                 696.5               435.3               242.4                 17.5
                                                          USD exchange rate [USD/IDR]                                  15,026              15,731              14,269               14,105
                                                         *Attributable to Parent (After Minority Interest)
 Contact Analysts:                                       **Annualized
 danan.dito@pefindo.co.id
                                                         The above ratios have been computed based on information from the company and published accounts. Where applicable, some items have
 handhayu.kusumowinahyu@pefindo.co.id                    been reclassified according to PEFINDO’s definitions.

   http://www.pefindo.com                                                                     3/4                                                                           October 2023
Page 4
                                                                                                              Ikhtisar Peringkat
                                                                                                                              4 October 2023




DISCLAIMER
Peringkat yang dimuat dalam laporan atau publikasi ini adalah pendapat PT Pemeringkat Efek Indonesia (PEFINDO) yang diberikan berdasarkan hasil pemeringkatan
pada saat tanggal dibuatnya peringkat. Peringkat merupakan opini ke depan mengenai kemampuan pihak yang diperingkat dalam memenuhi kewajiban finansialnya
secara penuh dan tepat waktu, berdasarkan asumsi yang dibuat saat pemberian peringkat. Peringkat bukan merupakan rekomendasi bagi pemodal untuk mengambil
keputusan investasi (baik keputusan untuk membeli, menjual, atau menahan efek utang apapun yang diterbitkan berdasarkan atau berhubungan dengan peringkat
atau keputusan investasi lainnya) dan/atau opini atas nilai kewajaran efek utang dan/atau nilai entitas yang diberikan peringkat oleh PEFINDO. Semua data dan
informasi yang diperlukan dalam proses pemeringkatan diperoleh dari pihak yang meminta pemeringkatan yang dianggap dapat dipercaya keakuratan dan
kebenarannya dan dari sumber lain yang dianggap dapat diandalkan. PEFINDO tidak melakukan audit, uji tuntas, atau verifikasi secara independen dari setiap
informasi dan data yang diterima dan digunakan sebagai dasar dalam proses pemeringkatan. PEFINDO tidak bertanggung jawab atas kebenaran, kelengkapan,
ketepatan waktu, dan keakuratan informasi dan data yang dimaksud. Keakuratan dan kebenaran informasi dan data menjadi tanggung jawab sepenuhnya dari pihak
yang memberikan informasi dan data yang dimaksud. PEFINDO dan setiap anggota Direksi, Komisaris, Pemegang Saham, serta Karyawannya tidak bertanggung
jawab kepada pihak manapun atas segala kerugian, biaya-biaya dan pengeluaran yang diderita atau timbul sebagai akibat penggunaan isi dan/atau informasi dalam
laporan atau publikasi ini, baik secara langsung maupun tidak langsung. PEFINDO menerima imbalan untuk jasa pemeringkatan umumnya dari pihak yang meminta
dilakukannya jasa pemeringkatan, dan PEFINDO sudah menginformasikan biaya pemeringkatan sebelum penetapan peringkat. PEFINDO memiliki komitmen dalam
bentuk kebijakan dan prosedur untuk menjaga obyektivitas, integritas, dan independensi dalam proses pemeringkatan. PEFINDO juga memiliki code of conduct untuk
menghindari benturan kepentingan dalam proses pemeringkatan. Peringkat bisa berubah di masa depan karena peristiwa yang belum diantisipasi sebelumnya pada
saat peringkat diberikan pertama kali. PEFINDO berhak menarik peringkat jika data dan informasi yang diterima tidak memadai dan/atau perusahaan yang diperingkat
tidak memenuhi kewajibannya kepada PEFINDO. Atas peringkat yang sudah mendapat persetujuan publikasi dari pihak yang diperingkat, PEFINDO berhak untuk
mempublikasi peringkat dan analisisnya dalam laporan atau publikasi ini serta mempublikasikan hasil kaji ulang terhadap peringkat yang telah dipublikasikan, baik
secara berkala maupun secara khusus dalam hal terdapat fakta material atau kejadian penting yang dapat mempengaruhi hasil pemeringkatan sebelumnya.
Reproduksi isi publikasi ini, secara penuh atau sebagian, harus mendapat persetujuan tertulis dari PEFINDO. PEFINDO tidak bertanggung jawab atas publikasi yang
dilakukan oleh pihak lain terkait peringkat yang diberikan oleh PEFINDO.


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