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7/5/23, 8:07 PM Fitch Revises Outlook on XL Axiata to Negative, Affirms at 'BBB' and 'AAA(idn)'

FitchRatings

RATING ACTION COMMENTARY

Fitch Revises Outlook on XL Axiata to Negative, Affirms at 'BBB'

and 'AAAlidn)'

Tue 27 Jun, 2023 -4:55 AM ET

Fitch Ratings - Jakarta/Singapore - 27 Jun 2023: Fitch Ratings has revised the Outlook on
Indonesian mobile operator PT XL Axiata Tbk's (XL) Long-Term Foreign- and Local-
Currency Issuer Default Ratings (IDR) to Negative from Stable, and affirmed the IDRs at
'BBB! At the same time, Fitch Ratings Indonesia has revised the Outlook on the National
Long-Term Rating to Negative from Stable, and affirmed the rating at 'AAA(idn)'

'AAA' National Ratings denote the highest rating assigned by the agency in its National
Rating scale for that country. This rating is assigned to issuers or obligations with the lowest
expectation of default risk relative to all other issuers or obligations in the same country or
monetary union.

The Negative Outlook reflects the parent Axiata Group Berhad's (Axiata) weaker credit
profile and our view that Axiata's EBITDA net leverage will likely remain elevated in the
medium term, as we expect it to generate afree cash flow (FCF) deficit on high capex and
shareholder reguirements.

KEY RATING DRIVERS

Strong Linkages with Parent: XL's 'BBB' rating reflects the credit strength of its parent,
Axiata, underpinned by 'High' legal and strategic incentives for Axiata to support XL under
Fitch's Parent and Subsidiary Linkage (PSL) Rating Criteria. The Negative Outlook on XL's
IDR reflects our view of Axiata's higher net leverage following the debt-funded acguisition
of PT Link Net Tbk and telecom towers in the Philippines in 2022.

Weakened Credit Profile of Parent: We believe Axiata's EBITDA net leverage is likely to
remain elevated following the Link Net and Philippine towers acguisitions. We forecast
that Axiata's FCF generation will likely remain limited, given high capex and shareholder

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return reguirements. Successful monetisation of non-core assets or divestment of minority
stakes in subsidiaries will be crucial for Axiata to achieve its 2.5x gross debt/EBITDA target
on areported basis (1023: 3.4x, including Celcom's shareholder loan repayment in June).

We consider Axiata a "stronger parent", with business in more than six Asian countries and
a larger business scale. Axiata's other subsidiaries and associates have strong market
positions, with 3096-40X market shares in Bangladesh, Cambodia and Nepal, 584 in Sri
Lanka and over 50X in Malaysia.

Cross-Default Clause: Axiata's 'High' legal incentive to support XL is based on the presence
of a cross-default clause in its USD1 billion euro medium-term note and USD1 billion multi-
currency sukuk programmes, which make up 654 of Axiata's holding company and non-
operating-company level debt. A default by a principal subsidiary, including XL, would
trigger the cross-default clause in the US dollar debt instruments. The longest maturity of
these instruments is 2050, providing some certainty of permanence.

Strategic Importance: The strategic incentive to support XL is 'High', as XL's revenue and
EBTIDA contribution to Axiata have become increasingly important for the parent. XL
contributed 374 of Axiata's consolidated revenue and 404 of EBITDA in 1023. The
planned fixed-mobile convergence programme between XL and Link Net is a critical move
for the Axiata group to capture Indonesia's underpenetrated fixed broadband market.

XLs SCP at 'bb#': XL's Standalone Credit Profile (SCP) of 'bb-' reflects its weaker market
share of below 204 and smaller scale compared with state-owned PT Telekomunikasi
Indonesia Tbk (Telkom, BBB/Stable) and PT Indosat Tbk (Indosat, BBB-/Stable). However,
we expect XL's business diversification to improve substantially with the acguisition of Link
Net's fixed broadband subscribers. The acguisition is expected to be completed by end-
2023, should it receive all of the reguired regulatory approvals.

High Ratings Headroom for SCP: We believe XL will maintain sufficient ratings headroom
for its SCP despite the higher leverage. We expect its EBITDA net leverage to deteriorate to
1.2x-1.6x in 2023-2024 on higher capex from the upcoming 5G spectrum auction. Upfront
costs and annual fees for the additional 5G spectrum may have a larger impact on XL's
financial profile, given its smaller EBITDA scale.

Fixed-Mobile Convergence: XL aims to take over Link Net's 750,000 fixed broadband
customers and obtain access to its larger fibre network under the companies'

reorganisation plan. This will allow XL to scale up its fixed broadband business guickly
without significant capex investment. We believe the revenue contribution from fixed

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broadband could increase to 154, from less than 296 in 2022, after the reorganisation.
However, the parties are still negotiating the transaction details, and hence Fitch's rating
case does not include the additional revenue from Link Net subscribers.

Upcoming 5G Spectrum Auction: The analogue TV switch-off is still ongoing in some
regions, and the 5G spectrum assignment in Indonesia could be delayed further due to the
arrest of Indonesia's communication and information technology minister over a corruption

case.

We assume the 700MHz spectrum auction will only occur in 4023 and the 3.5GHz
spectrum auction in 2024, and that XL will acguire 20MHz bandwidth in the 700MHz
spectrum and 50MHz in 3.5GHz. Total spectrum upfront payment is estimated to be IDR2.4
trillion for the 700MHz and IDR1.5 trillion for the 3.5GHz, based on the spectrum auction
results in Indonesia and other Asian markets.

DERIVATION SUMMARY

XL:s IDRs factor in implied support from Axiata, as we deem overall linkages between the
two entities as strong. Under our PSL criteria, we egualise XL's ratings with those of Axiata
on 'High' legal and strategic ties between the two entities. XL remains the largest
contributor to Axiata's EBITDA and capex.

XL's SCP of 'bbt" reflects its smaller revenue market share of 174 and smaller business
scale compared with Telkom. Telkom, through its 65X-owned subsidiary, PT Telekomunikasi
Selular (Telkomsel), has around 5196 revenue share of the mobile market. Moreover,
Telkomsel has a wider EBITDA margin and lower net leverage than XL. However, Telkom's
IDRs continue to be capped by Indonesia's sovereign rating (BBB/Stable) because of the
strong links between the company and the state through control of the board and key
operating and financial decisions.

We rate XL's SCP one notch lower than Indosat's SCP of 'bbb-', reflecting the latter's
stronger credit profile after the Indosat-Hutch merger. The merged company has larger
mobile revenue market share (1023 Indosat: 2596, XL: 1796) and spectrum assets (Indosat:
135Mhz, XL: 90Mhz) than XL while maintaining high ratings headroom below its negative
sensitivity of 2.3x EBITDA net leverage ratio.

XL is rated above state-owned energy company PT Perusahaan Gas Negara Tbk (PGN,
BBB-/AA-(idn)/Stable). XL's IDR reflects the credit strength of Axiata, whereas PGN's IDR
and National Rating are one notch below those of its immediate parent, PT Pertamina

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7/5/23, 8:07 PM Fitch Revises Outlook on XL Axiata to Negative, Affirms at 'BBB' and 'AAA(idn)'

(Persero) (BBB/Stable), based on our assessment of the linkages between the two
companies.

KEY ASSUMPTIONS

- Revenue growth of 74 in 2023 (2022: 8.9X), slowing slightly to 64 in 2024-2025,

- EBITDA margin of 28X in 2023 (2022: 2746) and deteriorating to 254-264 in 2024-2025
due to higher annual freguency fees,

- Capex intensity increases to 3196-34X (2022: 30X) during 2023-2024 due to upfront
costs to acguire 5G spectrums:

- 2023 dividend payment of IDR552 million, or 49X of 2022 net profit (2022: 424), with
pay-out ratio remaining at 50X in 2024-2025,

- No MBA and/or divestment projected in our rating case,

- Effective interest rate on borrowing of 7.54 in 2023 (2022: 6.44) and declining to 6.6X in
2024-2025.

RATING SENSITIVITIES

Factors that could, individually or collectively, lead to positive rating action/upgrade:
- Stablisation of Fitch's credit view of Axiata will lead to a stabilisation of the Outlook on
XL's international and national ratings, provided linkages between the entities remain

intact.

- No upgrade is possible for the National Long-Term Rating, as it is already at the highest
level on the national scale.

Factors that could, individually or collectively, lead to negative rating action/downgrade:

-A downgrade of Fitch's credit view of Axiata.

- Weakening of linkages with Axiata.

BEST/WORST CASE RATING SCENARIO

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7/5/23, 8:07 PM Fitch Revises Outlook on XL Axiata to Negative, Affirms at 'BBB' and 'AAA(idn)'
International scale credit ratings of Non-Financial Corporate issuers have abest-case
rating upgrade scenario (defined as the 99th percentile of rating transitions, measured in a
positive direction) of three notches over athree-year rating horizon: and a worst-case
rating downgrade scenario (defined as the 99th percentile of rating transitions, measured in
a negative direction) of four notches over three years. The complete span of best- and
worst-case scenario credit ratings for all rating categories ranges from 'AAA' to 'D' Best-
and worst-case scenario credit ratings are based on historical performance. For more
information about the methodology used to determine sector-specific best- and worst-case
scenario credit ratings, visit https://www.fitchratings.com/site/re/10111579.

LIOGUIDITY AND DEBT STRUCTURE

Reasonable Refinancing Capability: XL has repaid most of its debt maturing in 2023 with
proceeds raised from eguity rights issues in December 2022 and January 2023. As a result,
debt maturing in 2023 and 2024 is less than IDR1.8 trillion at end-1023, and refinancing
reguirements in the next two years are significantly reduced. Cash balance declined to
IDR1.7 trillion at end-1023, from IDR5.2 trillion at end-2022. XL also has around IDR1.36
trillion of undrawn but uncommitted facilities from UOB Indonesia that expire in 2025.

We believe XL has reasonable refinancing ability, with access to debt and capital markets
and strong relationships with local and foreign lenders. All outstanding bank loans are
provided on a clean basis, reflecting its solid banking access. Its entire debt is denominated
in Indonesian rupiah, in line with revenue and costs, while 5696 of borrowings are priced in
floating interest rates as of 1023, lower than the 649 at end-2022.

ISSUER PROFILE

XL is Indonesia's third-largest mobile operator and is 66.5396-owned by Malaysia-based
Axiata. XL jointly acguired Indonesia's second-largest fixed broadband provider, Link Net,
with Axiata in 2022. The integration with Link Net will scale up XLs fixed broadband
business without significant capex.

REFERENCES FOR SUBSTANTIALLY MATERIAL SOURCE CITED AS KEY DRIVER OF
RATING

The principal sources of information used in the analysis are described in the Applicable
Criteria.

PUBLIC RATINGS WITH CREDIT LINKAGE TO OTHER RATINGS

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7/5/23, 8:07 PM

Fitch Revises Outlook on XL Axiata to Negative, Affirms at 'BBB' and 'AAA(idn)'

XLs 'BBB' rating and Negative Outlook reflects the credit strength of its parent, Axiata,

based on the strong overall linkage between the entities.

ESG CONSIDERATIONS

Unless otherwise disclosed in this section, the highest level of ESG credit relevance is a

score of '3' This means ESG issues are credit-neutral or have only a minimal credit impact

on the entity, either due to their nature or the way in which they are being managed by the

entity. For more information on Fitch's ESG Relevance Scores, visit

www.fitchratings.com/esg

RATING ACTIONS
ENTITY /DEBT $ RATING PRIOR £
PT XL Axiata Tbk AAAfidn) Rating
NatI LT
Outlook
Stable
AAAfidn) Rating Outlook Negative
Affirmed
BBB Rating
LTIDR BBB Rating Outlook Negative
Outlook
Stable
Affirmed
LCLTIDR BBB Rating Outlook Negati BBB Rating
ating Outlook Negative Outlook
Stable
Affirmed
senior unsecured AAAfidn)

VIEW ADDITIONAL RATING DETAILS

FITCH RATINGS ANALYSTS

NatILT — AAAlidn) Affirmed

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7/5/23, 8:07 PM Fitch Revises Outlook on XL Axiata to Negative, Affirms at 'BBB' and 'AAA(idn)'
Wenny Anthony

Analyst

Primary Rating Analyst

National

#62 214063 2249

wenny.anthony@fitchratings.com

PT Fitch Ratings Indonesia

DBS Bank Tower 24th Floor, Suite 2403 Jl. Prof.Dr. Satrio Kav 3-5 Jakarta 12940

Mengjia Lu

Senior Analyst

Primary Rating Analyst

International

465 6796 7259

mengjia.lu@fitchratings.com

Fitch Ratings Singapore Pte Ltd.

1 Wallich Street #19-01 Guoco Tower Singapore 078881

Nitin Soni

Senior Director

Secondary Rating Analyst
465 6796 7235
nitin.soni@fitchratings.com

Steve Durose
Managing Director
Committee Chairperson
#61 2 8256 0307

steve.durose@fitchratings.com
MEDIA CONTACTS

Leslie Tan

Singapore

465 6796 7234
leslie.tan@thefitchgroup.com

Additional information is available on www.fitchratings.com

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PARTICIPATION STATUS

The rated entity (and/or its agents) or, in the case of structured finance, one or more of the
transaction parties participated in the rating process except that the following issuer/s), if
any, did not participate in the rating process, or provide additional information, beyond the
issuer's available public disclosure.

APPLICABLE CRITERIA

National Scale Rating Criteria (pub. 23 Dec 2020)

Corporates Recovery Ratings and Instrument Ratings Criteria (pub. 09 Apr 2021)
(including rating assumption sensitivity)

Sukuk Rating Criteria (pub. 13 Jun 2022)

Corporate Rating Criteria (pub. 29 Oct 2022) (including rating assumption sensitivity)
Country-Specific Treatment of Recovery Ratings Criteria (pub. 04 Mar 2023)

Sector Navigators: Addendum to the Corporate Rating Criteria (pub. 13 May 2023)

Exposure Draft: Climate Vulnerability in Corporate Ratings Criteria (pub. 10 Jun 2023)
(including rating assumption sensitivity)

Parent and Subsidiary Linkage Rating Criteria (pub. 17 Jun 2023)

APPLICABLE MODELS

Numbers in parentheses accompanying applicable model(s) contain hyperlinks to criteria
providing description of models).

Corporate Monitoring & Forecasting Model (COMFORT Model), v8.1.0 (1)

ADDITIONAL DISCLOSURES

Dodd-Frank Rating Information Disclosure Form
Solicitation Status

Endorsement Policy

ENDORSEMENT STATUS

PT XL Axiata Tbk EU Endorsed, UK Endorsed
PT XL Axiata Tbk EU Endorsed, UK Endorsed
DISCLAIMER & DISCLOSURES

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All Fitch Ratings (Fitch) credit ratings are subject to certain limitations and disclaimers.
Please read these limitations and disclaimers by following this link:
https://www.fitchratings.com/understandingcreditratings. In addition, the following
https://www.fitchratings.com/rating-definitions-document details Fitch's rating definitions
for each rating scale and rating categories, including definitions relating to default. ESMA
and the FCA are reguired to publish historical default rates in a central repository in
accordance with Articles 11(2) of Regulation (EC) No 1060/2009 of the European
Parliament and of the Council of 16 September 2009 and The Credit Rating Agencies
(Amendment etc.) (EU Exit) Regulations 2019 respectively.

Published ratings, criteria, and methodologies are available from this site at all times. Fitch's
code of conduct, confidentiality, conflicts of interest, affiliate firewall, compliance, and
other relevant policies and procedures are also available from the Code of Conduct section
of this site. Directors and shareholders' relevant interests are available at
https://www.fitchratings.com/site/regulatory. Fitch may have provided another permissible
or ancillary service to the rated entity or its related third parties. Details of permissible or
ancillary service(s) for which the lead analyst is based in an ESMA- or FCA-registered Fitch
Ratings company (or branch of such a company) can be found on the entity summary page
for this issuer on the Fitch Ratings website.

In issuing and maintaining its ratings and in making other reports (including forecast
information), Fitch relies on factual information it receives from issuers and underwriters
and from other sources Fitch believes to be credible. Fitch conducts a reasonable
investigation of the factual information relied upon by it in accordance with its ratings
methodology, and obtains reasonable verification of that information from independent
sources, to the extent such sources are available for a given security or in a given
jurisdiction. The manner of Fitch's factual investigation and the scope of the third-party
verification it obtains will vary depending on the nature of the rated security and its issuer,
the reguirements and practices in the jurisdiction in which the rated security is offered and
sold and/or the issuer is located, the availability and nature of relevant public information,
access to the management of the issuer and its advisers, the availability of pre-existing
third-party verifications such as audit reports, agreed-upon procedures letters, appraisals,
actuarial reports, engineering reports, legal opinions and other reports provided by third
parties, the availability of independent and competent third- party verification sources with
respect to the particular security or in the particular jurisdiction of the issuer, and a variety
of other factors. Users of Fitch's ratings and reports should understand that neither an
enhanced factual investigation nor any third-party verification can ensure that all of the

information Fitch relies on in connection with a rating or a report will be accurate and

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complete. Ultimately, the issuer and its advisers are responsible for the accuracy of the
information they provide to Fitch and to the market in offering documents and other
reports. In issuing its ratings and its reports, Fitch must rely on the work of experts,
including independent auditors with respect to financial statements and attorneys with
respect to legal and tax matters. Further, ratings and forecasts of financial and other
information are inherently forward-looking and embody assumptions and predictions
about future events that by their nature cannot be verified as facts. As a result, despite any
verification of current facts, ratings and forecasts can be affected by future events or
conditions that were not anticipated at the time a rating or forecast was issued or affirmed.

The information in this report is provided “as is” without any representation or warranty of
any kind, and Fitch does not represent or warrant that the report or any of its contents will
meet any of the reguirements of a recipient of the report. A Fitch rating is an opinion as to
the creditworthiness of a security. This opinion and reports made by Fitch are based on
established criteria and methodologies that Fitch is continuously evaluating and updating.
Therefore, ratings and reports are the collective work product of Fitch and no individual, or
group of individuals, is solely responsible for a rating or a report. The rating does not
address the risk of loss due to risks other than credit risk, unless such risk is specifically
mentioned. Fitch is not engaged in the offer or sale of any security. All Fitch reports have
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solely responsible for, the opinions stated therein. The individuals are named for contact
purposes only. A report providing a Fitch rating is neither a prospectus nor a substitute for
the information assembled, verified and presented to investors by the issuer and its agents
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not comment on the adeguacy of market price, the suitability of any security for a particular
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Kingdom, or the securities laws of any particular jurisdiction. Due to the relative efficiency

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of electronic publishing and distribution, Fitch research may be available to electronic
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For Australia, New Zealand, Taiwan and South Korea only: Fitch Australia Pty Ltd holds an
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participate in determining credit ratings issued by or on behalf of the NRSRO.

dvO1, a Fitch Solutions company, and an affiliate of Fitch Ratings, may from time to time
serve as loan data agent on certain structured finance transactions rated by Fitch Ratings.

Copyright O 2023 by Fitch Ratings, Inc., Fitch Ratings Ltd. and its subsidiaries. 33 Whitehall
Street, NY, NY 10004. Telephone: 1-800-753-4824, (212) 908-0500. Fax: (212) 480-4435.
Reproduction or retransmission in whole or in part is prohibited except by permission. All
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READ LESS
SOLICITATION STATUS

The ratings above were solicited and assigned or maintained by Fitch at the reguest of the
rated entity/issuer or a related third party. Any exceptions follow below.

UNSOLICITED ISSUERS
ENTITY/SECURITY ISIN/CUSIP — RATINGTYPE SOLICITATION
STATUS
PT XL Axiata Tbk - Local Currency Long Term Issuer Unsolicited
Default Rating
PT XL Axiata Tbk - Long Term Issuer Default Rating Unsolicited

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ENDORSEMENT POLICY

Fitch's international credit ratings produced outside the EU or the UK, as the case may be,
are endorsed for use by regulated entities within the EU or the UK, respectively, for
regulatory purposes, pursuant to the terms of the EU CRA Regulation or the UK Credit
Rating Agencies (Amendment etc.) (EU Exit) Regulations 2019, as the case may be. Fitch's
approach to endorsement in the EU and the UK can be found on Fitch's Regulatory Affairs
page on Fitch's website. The endorsement status of international credit ratings is provided
within the entity summary page for each rated entity and in the transaction detail pages for
structured finance transactions on the Fitch website. These disclosures are updated on a

daily basis.

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