20260220_BFIN_Laporan Informasi dan Fakta Material_32028189_lamp3.pdf

SUMMARY OF INFORMATION

In supporting the regulator's efforts to maintain share price stability on Indonesia Stock
Exchange ("IDX"), the Company plans to buyback the Company's shares that have been issued
and listed on the IDX ("Buyback").

The Buyback will be conducted, among others, in accordance with the following provisions:
1. OJK Regulation No. 13 of 2023 on the Policy in Maintaining Capital Market Performance and
   Stability in Significantly Fluctuating Market Conditions ("OJK Regulation No. 13/2023");
2. OJK Letter No. S-102/D.04/2025 dated 17 September 2025 on the Implementation Policy
   of Buyback of Shares Issued by Public Companies in Significantly Fluctuating Market
   Conditions ("OJK Letter No. S-102/D.04/2025"); and
3. OJK Regulation No. 29 of 2023 on the Buyback of Shares Issued by Public Companies ("OJK
   Regulation No. 29/2023").

The total value of the Buyback is a maximum of Rp100,000,000,000,- (one hundred billion
Rupiah) which includes brokerage fees and other costs related to the Buyback. The number of
shares to be repurchased by the Company will not exceed 1% (one percent) of the Company's
paid-up capital and the outstanding shares (free float) after the Buyback implementation will
not be less than 40% (forty percent) of the Company's paid-up capital. The Buyback does not
have a material impact on the Company's financial performance and business activities.


A. BACKGROUND AND PURPOSE

The Company may conduct Buyback in significantly fluctuating market conditions, in
accordance with letter Number: S-102/D.04/2025 dated September 17, 2025. In connection
with the Significantly Fluctuating Market Conditions as referred to in POJK No. 13/2023 and
with the determination of these conditions by the OJK based on OJK Letter No. S-
102/D.04/2025 dated September 17, 2025, in order to participate in realizing the creation of
stable Indonesian capital market activities, the Company plans to conduct Buyback as an effort
to maintain the stability of share trading in the capital market in conditions of high volatility
and to increase investor confidence. The determination of significantly fluctuating market
conditions as applicable until 6 (six) months, on March 17, 2026.

In accordance with OJK Letter No. S-102/D.04/2025, in addition to being subject to the
provisions of OJK Regulation No. 13/2023, the implementation of Buyback must comply with
the provisions of Article 5, Article 6, and Article 14 of OJK Regulation No. 29/2023.

B. THE COMPANY’S PLAN FOR THE BUYBACK SHARES

The Company will transfer the shares resulting from the Buyback with due observance of the
provisions of OJK Regulation No. 13/2023, OJK Regulation No. 29/2023, and/or other
applicable laws and regulations.


C. ESTIMATED SCHEDULE AND LIMITATION ON THE BUYBACK PERIOD, THE
   METHOD TO BE USED, AND SHARE PRICE LIMITATION FOR SHARE BUYBACK

Schedule and Period Limitation
   1. Publication of Disclosure of Information: 20 February 2026.
   2. Buyback Period (Buyback Period Limitation): Starting from 23 February 2026 up to a
      maximum period of 3 (three) months starting from the date of Information Disclosure
      (February 20, 2026), unless terminated earlier by the Company with due observance of
      the prevailing laws and regulations.

Methods
The Buyback will be conducted on the IDX through the regular market and will only be
conducted through PT Trimegah Sekuritas Indonesia. The Buyback implementation will be in
accordance with other provisions in OJK Regulation No. 13/2023 and OJK Regulation No.
29/2023.

Price Limitation
The buyback will be conducted at a price deemed appropriate and fair by the Company, with
due regard to the applicable laws and regulations.


D. THE ESTIMATED NOMINAL AMOUNT OF ALL SHARES TO BE REPURCHASED AND
   THE COST OF SHARE BUYBACK

The maximum amount of the Company's shares that will be repurchased is equivalent to the
maximum purchase value of Rp100,000,000,000,- (one hundred billion Rupiah), which includes
brokerage fees and other costs related to the Buyback. In accordance with OJK Regulation No.
13/2023, the number of shares to be repurchased will not exceed 1% (one percent) of the
Company's paid-up capital.

E. MANAGEMENT ANALYSIS, ESTIMATION OF THE DECREASE IN REVENUE OF THE
   PUBLIC COMPANY AS A RESULT OF THE IMPLEMENTATION OF SHARE BUYBACK
   AND THE IMPACT OF THE FINANCING COSTS OF THE PUBLIC COMPANY AND
   PROFORMA EARNINGS PER SHARE OF THE PUBLIC COMPANY AFTER THE SHARE
   BUYBACK IS IMPLEMENTED, TAKING INTO ACCOUNT THE DECREASE IN
   REVENUE AND THE SOURCE OF FUNDS TO BE USED FOR THE SHARE BUYBACK

Management Analysis and Estimation of the Decrease in Revenue of the Public
Company
The Company believes that the Buyback will not have material impact on the Company's
operations, financial performance, capital structure, or liquidity. The Company has adequate
liquidity position and cash flow to carry out the Company's operational activities.

Proforma Earnings per Share After the Share Buyback
The following proforma financial indicators show minimal impact with the assumption that the
Buyback value is Rp100,000,000,000,- (one hundred billion Rupiah) and in the case that it was
carried out in the fiscal year of 2025:

In Rp bn (except ratio)
(unaudited)
 Description                September 2025                 Proforma               Impact
 Asset                               25,429                   25,329                -100
 Equity                              10,893                   10,793                -100
 Net Profit                           1,167                    1,167                   -
 ROA                                  6.2%                     6.2%                    -
 ROE                                 14.8%                    14.8%                    -

Source of Funds to be Used for Share Buyback
In implementing the Buyback, the Company will use its own funds and not from loans. The
results of the Buyback will be recorded as treasury shares as a deduction from the Company's
equity.

F. OTHER INFORMATION

In accordance with Article 11 of OJK Regulation No. 13/2023, any party that is:

   a. commissioners, directors, employees and main shareholders of the Company;
   b. individuals who, due to their position or profession or due to their business relationship
      with the Company enables them to obtain insider information; or
   c. the parties that within the last 6 (six) months are no longer a party as referred to in
      letters a and b,

are prohibited from conducting transactions on the Company's shares during the shares
buyback period or on the same day as the sale of shares resulting from the buyback conducted
by the Company through the IDX.


G. ADDITIONAL INFORMATION

The shareholders who require additional information regarding the Buyback may contact the
followings:


                           PT BFI FINANCE INDONESIA TBK
                                   Corporate Secretary
                              BFI Tower Sunburst CBD Lot 1.2
                            Jl. Kapt Soebianto Djojohadikusumo
                           BSD City – Tangerang Selatan 15322
                                  Phone: +62 21 2965 0300
                                   Website: www.bfi.co.id
                                   Email: corsec@bfi.co.id