20251219_BMHS_Tanggapan atas Permintaan Penjelasan Bursa_32014400_lamp1.pdf

(@ bmhs

b. Pengendalian internal terkait penggunaan kas dan setara kas Perseroan dalam mitigasi risiko
penyalahgunaan kas dan setara kas. / Internal control related to the use of the Company's cash
and cash eguivalents in mitigating the risk of misuse of cash and cash eguivalents.

Tanggapan Perseroan:/ Company Response:

Perseroan telah menerapkan sistem pengendalian internal yang memadai, termasuk namun

tidak terbatas pada hal-hal sebagai berikut: / The Company has implemented an adeguate

internal control system, including but not limited to the following matters:

1. Kebijakan SOP Keuangan, dimana Perseroan menerapkan kebijakan serta prosedur
operasional standar (SOP) yang mengatur penerimaan, penyimpanan, dan pengeluaran kas,
termasuk batasan kewenangan (authority limit) untuk setiap jenis transaksi dan unit kerja.
/ Financial SOP Policy, whereby the Company implements policies and standard operating
procedures (SOPs) governing cash receipts, deposits, and disbursements, including authority
limits for each type of transaction and work unit.

2. Pemisahan Fungsi, dimana Perseroan menerapkan pemisahan tugas secara jelas antara
fungsi yang mengajukan kebutuhan pembayaran, fungsi yang melakukan verifikasi/validasi
dokumen, fungsi yang mengeksekusi pembayaran, dan fungsi yang melakukan pencatatan
akuntansi serta rekonsiliasi./ Separation of Duties, whereby the Company clearly separates
duties between the function that submits payment reguests, the function that
verifies/validates documents, the function that executes payments, and the function that
performs accounting and reconciliation.

3. Otoritas berjenjang dan control kewenangan, dimana Setiap pengeluaran kas wajib melalui
proses persetujuan berjenjang sesuai matriks kewenangan yang berlaku (misalnya melalui
Head of Department atau Unit, Finance Controller atau GM Finance, hingga Direksi sesuai
nilai transaksi), serta didukung dokumen pendukung yang lengkap dan sah./ Tiered authority
and control of authority, whereby every cash expenditure must go through a tiered approval
process in accordance with the applicable authority matrix (e.g., through the Head of
Department or Unit, Finance Controller or GM Finance, up to the Board of Directors
depending on the transaction value), and be supported by complete and valid supporting
documents.

4. Penggunaan rekening bank resmi dan mekanisme pembayaran non-tunai, dimana
Perseroan mengutamakan transaksi melalui rekening bank resmi Perseroan dan
meminimalkan penggunaan kas kecil (petty cash). Pembayaran dilakukan secara non-tunai
melalui sistem perbankan untuk meningkatkan jejak audit (audit trail)./ The use of official
bank accounts and non-cash payment mechanisms, whereby the Company prioritizes

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Famili : ilters Jl. Teuku Cik Ditiro No. 11, Menteng -Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

Ba, |

(@ bmhs

transactions through the Company's official bank accounts and minimizes the use of petty
cash. Payments are made non-cash through the banking system to improve the audit trail.

5. Rekonsiliasi bank dan monitoring rutin, dimana Perseroan melakukan rekonsiliasi bank
secara berkala (harian, mingguan, bulanan sesuai kebutuhan pengendalian), termasuk
pemantauan mutasi rekening, verifikasi transaksi tidak lazim, dan penelusuran atas selisih
rekonsiliasi sampai tuntas./ Bank reconciliation and routine monitoring, whereby the
Company conducts periodic bank reconciliation (daily, weekly, monthly as reguired for
control purposes), including monitoring account movement, verifying unusual transactions,
and tracing reconciliation differences until resolved.

6. Pengendalian atas kas kecil (petty cash), Dimana penggunaan kas kecil dibatasi nominalnya,
menggunakan mekanisme imprest, disertai bukti yang valid, serta dilakukan pemeriksaan
dan pengisian kembali berdasarkan pertanggungjawaban (reimbursement) sesuai
ketentuan internal./ Control over petty cash, where the use of petty cash is limited in
amount, using an imprest mechanism, accompanied by valid evidence, and subject to
inspection and replenishment based on reimbursement in accordance with internal
regulations.

7. Audit internal dan pengawasan manajemen, dimana Perseroan melaksanakan fungsi audit
internal dan/atau pemeriksaan berkala atas kepatuhan terhadap SOP, termasuk pengujian
atas transaksi kas atau bank, serta pelaporan temuan dan tindak lanjutnya kepada
manajemen danKomite Audit sesuai mekanisme tata kelola yang berlaku./ Internal audit
and management oversight, whereby the Company performs internal audit functions and/or
periodic checks on compliance with SOPs, including testing of cash or bank transactions, as
well as reporting findings and follow-up actions to management and the Audit Committee
in accordance with applicable governance mechanisms.

8. Pengendalian akses sistem dan dokumen, Dimana perseroan menerapkan kontrol akses
pada sistem keuangan/perbankan (user access control), termasuk pembatasan otorisasi
transaksi, pengaturan pengguna (user), serta pengamanan dokumen pendukung untuk
menjaga integritas data dan mencegah penyalahgunaan./ System and document access
control, where the company implements access control on financial/banking systems (user
access control), including transaction authorization restrictions, user settings, and
supporting document security to maintain data integrity and prevent misuse.

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia
Head Office: BMHS Diagnos Tower 6" -7" Floor

Because Famili era Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia
www.bmhs.co.id @ 021-50980799 @

(& bmhs

Cc. Informasi mengenai tujuan penggunaan rekening kas dan setara kas Perseroan. Perseroan agar
menyampaikan jawaban menggunakan format tabel sebagai berikut:/ Information regarding
the purpose of use of the Company's cash and cash eguivalents accounts. The Company shall
submit its response using the following table format:

Tanggapan Perseroan:/ Company Response:

No. Mapping Mata Uang/ | Tujuan Jumlah Nilai Per 30
akun LK/ Currency Penggunaan September 2025
Mapping Dana Kas / (Rp)/ Amount as of
financial Bank/ Purpose | September 30, 2025
statements of Use of (IDR)
accounts Cash/Bank

Funds

1 Kas / Cash Rupiah/ IDR | Operasional/ 2.867.999.391
Operational

2 Bank Rupiah/ IDR | Operasional/ 190.806.037.247
Operational

3 Deposito Rupiah/ IDR Investasi/ 617.005.011.064
berjangka/ Investment
Term deposit

2. Sehubungan dengan piutang usaha, agar dijelaskan:/ Regarding accounts receivable, explain:

a. Strategi Perseroan dalam memastikan kolektabilitas piutang usaha tepat waktu terutama
kepada umur piutang usaha lebih dari 90 hari. / The Company's strategy in ensuring the
collectability of trade receivables on time, especially for trade receivables aged more than
90 days.

Tanggapan Perseroan:

Strategi Perseroan dalam memastikan kolektabilitas piutang usaha tepat waktu terutama
untuk umur piutang usaha lebih dari 90 (sembilan puluh hari), disesuaikan dengan
karakteristik usaha rumah sakit memiliki siklus penagihan yang berbeda dibanding sektor
lain, khususnya karena porsi piutang dapat berasal dari BPJS Kesehatan (klaim INA-CBG),
asuransi swasta, Perusahaan atau korporasi (corporate account), dan pasien umum.
Sehubungan dengan hal tersebut, Perseroan menerapkan strategi dan pengendalian
operasional yang terstruktur untuk menjaga kolektabilitas piutang, termasuk atas piutang
dengan umur lebih dari 90 hari, dengan langkah-langkah sebagai berikut:/ The Company's
strategy in ensuring the collectability of trade receivables on time, especially for trade
receivables aged more than 90 (ninety) days, is adjusted to the characteristics of the hospital

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Panaily , (Matters Jl. Teuku Cik Ditiro No. 11, Menteng -Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

Be AA“. A

(@ bmbs

business, which has a different billing cycle compared to other sectors, particularly because
the portion of receivables can come from BPIS Kesehatan (INA-CBG claims), private
insurance, companies or corporations (corporate accounts), and general patients. In this
regard, the Company implements structured strategies and operational controls to maintain
the collectability of receivables, including those aged over 90 days, through the following
measures:

1. Penguatan atas fungsi Revenue Cycle Management (RCM) atau Manajemen Siklus
Pendapatan, dimana Perseroan menjalankan pengelolaan terintegrasi mulai dari proses
pendaftaran pasien, verifikasi penjamin, pelayanan, dokumentasi medis, pengkodean
tindakan/diagnosis, billing, hingga penagihan dan penyelesaian klaim./ Strengthening
the function of Revenue Cycle Management (RCM), whereby the Company implements
integrated management starting from patient registration, insurer verification, services,
medical documentation, coding of procedures/diagnoses, billing, to collection and claim
settlement.

2. Percepatan proses klaim BPJS melalui kontrol kelengkapan dokumen & kualitas coding,
dimana Perseroan menerapkan:

- Pengawasan dan kontrol ketat atas kelengkapan resume medis dan dokumen
pendukung sebelum klaim diajukan,

- Peningkatan akurasi coding diagnosis atau tindakan (ICD) dan verifikasi internal
untuk meminimalkan dispute atas retur klaim,

- Monitoring status klaim secara berkala (misalnya klaim terkirim, verifikasi,
pending, dispute, dan selesai)

Acceleration of BPJS claims processing through document completeness and coding
guality control, whereby the Company implements:
-  Strict supervision and control over the completeness of medical records and
supporting documents before claims are submitted
-  Improved accuracy of diagnosis or procedure coding (ICD) and internal
verification to minimize disputes over claim returns,
- Regular monitoring of claim status (e.g., claims submitted, verified, pending,
disputed, and completed)

3. Segmentasi piutang berdasarkan jenis penjamin dan pola penyelesaian, dimana
perseroan melakukan pemetaan aging piutang secara lebih granular (misalnya BPJS,
asuransi, corporate, dan pasien umum), karena masing-masing memiliki risiko dan jalur
penyelesaian berbeda./ Segmentation of receivables based on the type of guarantor and
settlement pattern, whereby the company maps aging receivables in a more granular

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia
Head Office: BMHS Diagnos Tower 6" - 7" Floor

Because Fanaih tera Jl. Teuku Cik Ditiro No. 11, Menteng -Jakarta Pusat 10350, Indonesia
www.bmhs.co.id @ 021-50980799 @

(& bmhs

manner (e.g., BPJS, insurance, corporate, and general patients), as each has different
risks and settlement paths.

4. Pengetatan kontrol atas kredit untuk corporate account dan asuransi, bila terjadi aging
yang lebih dari 90 hari akan diberikan Surat Peringatan berjenjang yang berakhir dengan
perhentian pelayanan kepada corporate account dan asuransi tersebut./ Tightening of
credit control for corporate accounts and insurance. If aging exceeds 90 days, a tiered
warning letter will be issued, culminating in the termination of services to the corporate
account and insurance.

5. Perseroan melakukan rekonsiliasi antara data layanan, billing, dan pencatatan keuangan
untuk memastikan tidak terjadi kehilangan tagihan atau kesalahan pencatatan yang
menyebabkan keterlambatan penagihan./ The company reconciles service, billing, and
financial data to ensure that there are no lost bills or recording errors that cause billing
delays.

b. Latar belakang Perseroan tidak melalukan disclosure atas nama pihak-pihak pada akun
piutang Perseroan pada Laporan Keuangan 30 September 2025./ Background The Company
did not disclose the names of the parties to the Company's accounts receivable in the
Financial Statements as of September 30, 2025.

Tanggapan Perseroan:/ Company Response:

Perseroan menyampaikan bahwa tidak dicantumkannya nama pihak-pihak tertentu pada
akun piutang dalam Laporan Keuangan Perseroan per 30 September 2025 dilakukan karena
informasi tersebut berkaitan dengan individu perseorangan pasien yang dilindungi dalam
Peraturan Perlindungan Data Pasien diatur terutama oleh UU No. 27 Tahun 2022 tentang
Perlindungan Data Pribadi (UU PDP), yang memperkuat hak privasi pasien, serta Permenkes
No. 24 Tahun 2022 tentang Rekam Medis Elektronik (RME), yang mewajibkan keamanan
data medis dengan prinsip kerahasiaan, integritas, dan ketersediaan (KIK) untuk fasilitas
kesehatan./ The Company states that the omission of certain parties' names from the
accounts receivable in the Company's Financial Statements as of September 30, 2025, was
done because the information relates to individual patients who are protected under the
Patient Data Protection Regulations, which are primarily governed by Law No. 27 of 2022
concerning Personal Data Protection (PDP Law), which strengthens patient privacy rights,
as well as Minister of Health Regulation No. 24 of 2022 concerning Electronic Medical
Records (EMR), which reguires medical data security based on the principles of
confidentiality, integrity, and availability (CIA) for healthcare facilities.

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia
Head Office: BMHS Diagnos Tower 6” - 7" Floor

Because Famik lers Jl. Teuku Cik Ditiro No. 11, Menteng -Jakarta Pusat 10350, Indonesia
www.bmhs.co.id @ 021-50980799 @

(@ bmhs

Cc. Latar belakang atas adanya peningkatan atas piutang usaha yang lebih dari 90 hari./ The
background to the increase in accounts receivable that are more than 90 days overdue.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa peningkatan piutang usaha dengan umur lebih dari 90
(sembilan puluh) hari terutama dipengaruhi oleh karakteristik siklus penagihan di industri
rumah sakit, khususnya karena porsi piutang Perseroan berasal dari BPJS Kesehatan (klaim
INA-CBG)./ The Company stated that the increase in accounts receivable aged more than 90
(ninety) days was mainly influenced by the characteristics of the billing cycle in the hospital
industry, particularly because a portion of the Company's accounts receivable originated
from BPJS Kesehatan (INA-CBG claims).

Dalam praktiknya, proses penyelesaian klaim BPJS Kesehatan memerlukan tahapan
administrasi dan verifikasi, termasuk rekonsiliasi kelengkapan dokumen medis dan
dokumen pendukung klaim, proses verifikasi/validasi oleh pihak terkait, serta penyelesaian
atas klaim yang berstatus pending atau membutuhkan klarifikasi. Kondisi tersebut dapat
menyebabkan sebagian klaim baru dapat diselesaikan dan dibayarkan pada periode
berikutnya sehingga secara pencatatan akuntansi meningkatkan saldo piutang dengan umur
diatas 90 hari pada tanggal pelaporan./ In practice, the BPIS Kesehatan claim settlement
process reguires administrative and verification stages, including reconciliation of medical
documents and supporting claim documents, verification/validation by relevant parties, and
settlement of claims that are pending or reguire clarification. This situation can result in
some new claims being settled and paid in the following period, thereby increasing the
balance of accounts receivable with an age of more than 90 days on the reporting date in
the accounting records.

Selain itu, peningkatan piutang lebih dari 90 hari juga dapat dipengaruhi oleh perbedaan
waktu antara tanggal pelayanan kesehatan (cut-off layanan) dengan tanggal pengajuan dan
persetujuan klaim, termasuk apabila terdapat penyesuaian administratif atau penjadwalan
ulang rekonsiliasi sesuai mekanisme yang berlaku./ In addition, an increase in receivables
over 90 days may also be influenced by the time difference between the date of healthcare
services (service cut-off) and the date of claim submission and approval, including in the
event of administrative adjustments or rescheduling of reconciliation in accordance with the
applicable mechanisms.

d. Agar Perseroan dapat menyampaikan rincian masing-masing pelanggan dengan umur
piutang usaha tersebut./ So that the Company can provide details of each customer with the
age of the accounts receivable.

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Family . (Matters Jl. Teuku Cik Ditiro No. 11, Menteng -Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

Ban

(@ bmhs

Ns since 1973

Tanggapan Perseroan:

Sesuai dengan jawaban kami pada point diatas, dengan didasarkan pada Peraturan
Perlindungan data pasien diatur terutama oleh UU No. 27 Tahun 2022 tentang Perlindungan
Data Pribadi (UU PDP), yang memperkuat hak privasi pasien, serta Permenkes No. 24 Tahun
2022 tentang Rekam Medis Elektronik (RME), yang mewajibkan keamanan data medis
dengan prinsip kerahasiaan, integritas, dan ketersediaan (KIK) untuk fasilitas
Kesehatan,Maka kami tidak dapat menyampaikan rincian masing-masing pelanggan dengan
umur piutang usaha. Penyajian umur piutang sesuai format laporan keuangan sudah
dijabarkan dalam catatan 6.b./ In accordance with our response to the above point, based
on the Patient Data Protection Regulation governed primarily by Law No. 27 of 2022
concerning Personal Data Protection (PDP Law), which strengthens patient privacy rights,
as well as Minister of Health Regulation No. 24 of 2022 concerning Electronic Medical
Records (EMR), which reguires medical data security based on the principles of
confidentiality, integrity, and availability (CIA) for healthcare facilities, we are unable to
disclose details of each customer with outstanding receivables. The presentation of
receivables by age in accordance with the financial statement format is explained in note
6.b.

e. Informasi terkini atas penerapan terms of payment Perseroan./ Latest information on the
application of the Company's terms of payment.

Tanggapan Perseroan:

" BPJS Kesehatan (klaim INA-CBG), dimana pembayaran dilakukan melalui mekanisme
klaim sesuai ketentuan yang berlaku, dengan tahapan pengajuan klaim, verifikasi, dan
rekonsiliasi./ BPJS Kesehatan (INA-CBG claims), where payments are made through a
claims mechanism in accordance with applicable regulations, involving the stages of
claim submission, verification, and reconciliation.

» Asuransi swasta dan perusahaan penjamin, dimana Terms of payment mengacu pada
perjanjian kerja sama masing-masing, yang umumnya mensyaratkan kelengkapan
dokumen penagihan dan verifikasi klaim sebelum pembayaran dilakukan./ Private
insurance and guarantee companies, where the terms of payment refer to their
respective cooperation agreements, which generally reguire complete billing documents
and claim verification before payment is made.

» Corporate account atau perusahaan (kerja sama layanan kesehatan karyawan), dimana
Terms of payment ditetapkan sesuai kontrak atau PKS, termasuk periode penagihan
(misalnya bulanan) dan jatuh tempo pembayaran./ Corporate accounts or companies
(employee healthcare services partnerships), where the terms of payment are stipulated
in accordance with the contract or cooperation agreement, including the billing period
(e.g., monthly) and payment due date.

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Famik iere Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799@

BNN

(@ bmhs

KT) since 1973

s Pasien umum (self-pay), Dimana untuk pasien umum, perseroan pada prinsipnya
menerapkan pembayaran pada saat layanan diberikan atau sebelum pasien pulang./
General patients (self-pay), Where for general patients, the company generally applies
payment at the time the service is provided or before the patient leaves.

f. Kendala yang dihadapi dalam melakukan penagihan atas piutang tersebut./ Challenges
faced in collecting these receivables.

Tanggapan Perseroan:

" Proses verifikasi dan rekonsiliasi klaim (khususnya BPJS Kesehatan/INA-CBG), dimana
Penyelesaian piutang BPJS memerlukan tahapan pengajuan klaim, verifikasi administrasi,
serta rekonsiliasi dokumen medis dan dokumen pendukung./ The claim verification and
reconciliation process (particularly BPJS Kesehatan/INA-CBG), whereby the settlement of
BPJS receivables reguires stages of claim submission, administrative verification, and
reconciliation of medical documents and supporting documents.

» Dispute atau penolakan klaim oleh penjamin, dimana klaim dapat mengalami
penyesuaian atau penolakan (baik sebagian maupun seluruhnya) akibat perbedaan
interpretasi manfaat, ketentuan polis atau kerja sama, batas plafon, atau ketidaksesuaian
dokumen, sehingga membutuhkan waktu tambahan untuk proses klarifikasi dan
penyelesaian./ Disputes or claim rejections by the insurer, where claims may be adjusted
or rejected (either partially or entirely) due to differences in interpretation of benefits,
policy or cooperation provisions, ceiling limits, or document discrepancies, reguiring
additional time for clarification and resolution.

" Kelengkapan dan ketepatan dokumen penagihan, dimana penagihan di rumah sakit
sangat bergantung pada kelengkapan dokumen (misalnya resume medis, bukti tindakan,
penunjang, dan administrasi) serta akurasi coding dan billing./ Completeness and
accuracy of billing documents, where hospital billing is highly dependent on the
completeness of documents (e.g., medical records, proof of treatment, supporting
documents, and administration) as well as coding and billing accuracy.

» Perbedaan SLA/ketentuan pembayaran antar penjamin, dimana setiap penjamin (BPJS,
asuransi swasta, TPA, corporate account) memiliki standar layanan (service level
agreement) dan prosedur pembayaran yang berbeda, termasuk periode verifikasi,
jadwal pembayaran, serta persyaratan dokumen./ Differences in SLAs/payment terms
between guarantors, where each guarantor (BPJS, private insurance, TPA, corporate
account) has different service level agreements and payment procedures, including
verification periods, payment schedules, and document reguirements.

3. Sehubungan dengan persediaan, agar dijelaskan:/ Regarding inventory, please explain:

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6 - 7" Floor
Because Family (Malers Jl. Teuku Cik Ditiro No. 11, Menteng -Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

Ao

(H bmbs

N since 1973

a. Latar belakang adanya penurunan atas persediaan dari Rp47,02 miliar per 30 September
2024 menjadi Rp37,04 miliar per 30 September 2025/ The background to the decrease in
inventory from IDR 47.02 billion as of September 30, 2024 to IDR 37.04 billion as of
September 30, 2025.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa penurunan saldo persediaan merupakan salah satu
kebijakan management didalam memaksimalkan dalam efisiensi stock management,
sehingga inventory days di 2025 menjadi lebih baik./ The Company stated that the decrease
in inventory balance was part of management's policy to maximize stock management
efficiency, so that inventory days in 2025 would improve.

b. Latar belakang Perseroan tidak melakukan pencadangan atas persediaannya./ Reasons for
the Company not making provisions for its inventories.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa hingga tanggal pelaporan, Perseroan tidak membentuk
pencadangan penurunan nilai persediaan karena berdasarkan hasil evaluasi manajemen,
saldo persediaan yang dimiliki Perseroan masih berada dalam kondisi layak pakai atau layak
jual, dapat digunakan untuk mendukung kegiatan operasional, serta tidak terdapat indikasi
penurunan nilai yang material./ The Company states that as of the reporting date, it has not
established any provisions for inventory impairment because, based on management's
assessment, the Company's inventory balances are still in ad usable or saleable condition, can
be used to support operational activities, and there are no indications of material
impairment.

Selain itu, Perseroan secara berkala melakukan pemantauan atas persediaan melalui
mekanisme internal, termasuk pemeriksaan masa kedaluwarsa yang akan kemudian
dikembalikan atau di retur, tingkat perputaran persediaan, serta penyesuaian penggunaan
atau pengadaan sesuai kebutuhan layanan. Berdasarkan pemantauan tersebut, manajemen
berkesimpulan bahwa nilai tercatat persediaan masih dapat dipulihkan melalui penggunaan
dalam kegiatan operasional dan karenanya tidak diperlukan pencadangan pada periode
pelaporan./ In addition, the Company periodically monitors inventory through internal
mechanisms, including checking expiration dates for items that will be returned or returned,
inventory turnover rates, and adjustments to usage or procurement as needed for services.
Based on this monitoring, management concluded that the recorded value of inventory
could still be recovered through use in operational activities and therefore no allowance was
necessary for the reporting period.

PT Bundamedik Tbk

Jl Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Fama (era Jl Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

maen

@ bmhs

since 1973

4 Sehubungan dengan uang muka, agar dijelaskan terkait latar belakang, nama vendor, target
realisasi, hambatan realisasi atas uang muka pembelian sebesar Rp108,91 miliar pada periode
30 September 2025./ Regarding the down payment, please explain the background, vendor
name, realization target, and obstacles to the realization of the purchase down payment of IDR
108.91 billion for the period ending September 30, 2025.

Tanggapan Perseroan:

Per September 2025, saldo uang muka sudah menurun dibanding Desember 2024 dikarenakan
pembelian tanah di tahun 2024 sudah mendapatkan sertifikan dan telah ditandatanganinya AJB
atas tanah tersebut di tahun 2025, sehingga sudah dilakukan reklasifikasi ke aset tetap Tanah./
As of September 2025, the down payment balance has decreased compared to December 2024
because the land purchased in 2024 has been certified and the AJB (Deed of Sale and Purchase)
for the land has been signed in 2025, resulting in its reclassification as a fixed asset.

Perseroan menyampaikan bahwa saldo Uang Muka Pembelian sebesar Rp108,91 miliar per 30
September 2025 terdiri dari Uang muka jangka pendek sebesar Rp 77,2miliar dan uang muka
jangka Panjang Rp 31,7miliar. Dimana uang muka jangka pendek sebagian besar berasal dari uang
muka pembelian persediaan obat dan alkes, dimana ketika barang sudah diterima maka akan
dilakukan reklasifikasi menjadi persediaan./ The Company reports that the balance of Purchase
Advances as of September 30, 2025, amounted to Rp108.91 billion, consisting of short-term
advances of Rp77.2 billion and long-term advances of Rp31.7 billion. The short-term advances
mostly came from advances for the purchase of medicine and medical eguipment, which will be
reclassified as inventory once the goods are received.

Serta uang muka jangka Panjang, Sebagian besar dikontribusikan dari uang muka project
pengembangan layanan Kesehatan, renovasi dan uang muka pembelian asset tetap lainnya
seperti Hospital Information System./ As well as long-term down payments, most of which are
contributed from down payments for health service development projects, renovations, and down
payments for the purchase of other fixed assets such as Hospital Information Systems.

Tidak terdapat hambatan dalam realisasi uang muka tersebut./ There are no obstacles to the
realization of the down payment.

5. Sehubungan dengan aset tetap, Perseroan memiliki saldo aset tetap sebesar Rp2,02 triliun pada
periode 30 September 2025, agar disampaikan: / In relation to fixed assets, the Company had a
fixed asset balance of Rp2.02 trillion as of September 30, 2025, to be disclosed as follows:

a. Rincian dan kegunaan tanah yang dimiliki Perseroan yang memuat informasi lokasi, luas
tanah dan nilai secara net per 30 September 2025./ The details and uses of land owned by
the Company, including information on location, land area, and net value as of September
30, 2025.

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Famili Mere Jl. Teuku Cik Ditiro No. 11, Menteng -Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

BNN

(@ bmhs

since 1973

G

Tanggapan Perseroan:

PT RSIAB) | Tanah Rumah 426.989.000.000 | Jalan Teuku Cik Ditiro Rumah sakit
Bundame Sakit 4.938 No. 28, RT.9/RW.2,

dik Tbk Kelurahan Gondangdia,
Kecamatan Menteng,
Kota Jakarta Pusat,
Provinsi DKI Jakarta
RSUB) | Tanah Rumah 137.033.000.000 | Jalan Teuku Cik Ditiro
Sakit 1.580 No. 21, RT.9/RW.2,
Kelurahan Gondangdia,
Kecamatan Menteng,
Kota Jakarta Pusat,
Provinsi DKI Jakarta
RSUBM | Tanah Rumah 103.158.000.000 | Jalan Margonda No. 28,
4 Sakit 4.360 Kelurahan Pondok Cina,
Kecamatan Beji, Kota
Depok, Provinsi Jawa

Barat
CORP | Tanah 51.019.973.625 | Jalan Teuku I Cik Ditiro
893 No 10
Tanah Rumah 16.382.000.000 | Perumahan Vida, Jalan
Sakit 2.024 Sundapura, Kelurahan

Padurenan, Kecamatan
Mustika Jaya, Kota

Bekasi,
Provinsi Jawa Barat
Tanah Gondangdia, Menteng
619
2 | PTBunda | RSUBP | Tanah Rumah 19.307.000.000 | Jl. Proklamasi No.37, Rumah sakit
Minang Sakit 3.257 Padang, Sumatera Barat,
Citra 25211
3 | PTCitra | RSIAcA | Tanah Rumah 21.607.000.000 | JL. RE. MARTADINATA 30 | Rumah sakit
Ananda Sakit 1.444 CIPUTAT 15411
TANGERANG SELATAN
2.179.185.000 | Ciputat
317
& | PTpintu | RSIAAZ | Tanah Rumah 28.867.000.000 | JnBrigien Hasan Kasim | Rumah sakit
Ilmu Sakit 7.127 No.1- 2, Kel Bukit
Sangkal, Kec.Kalidoni,
Palembang,
Sumatera Selatan, 30114
5 | PTBunda | BGPP | Tanah Rumah 105.158.000.000 | Jalan Harapan Indah Rumah Sakit
Graha Sakit 3.100 Raya No. 28, RT 004/RW
Properti 030, Kelurahan Pejuang,
Kecamatan Medan
Satria, Kota Bekasi,
Provinsi Jawa Barat
6 (Pr RSIABS | Tanah Rumah 28.586.740.000 | Jl. Tegalsari No.59, Rumah sakit
Medika Sakit 973 Surabaya, Jawa Timur
Sejahtera 60261
Bersama
7 | PTBunda | BGP Tanah Rumah 160.000.000 | JI Margonda Raya No28 | Distributor obat
Global Sakit 436 dan alat
Pharma kesehatan

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Famili her Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799@

Be AAA

(@ bmbs

N since 1973

8 | tain-ain Tanah Rumah 200.334.183.291 | Kota Jakarta, Bekasi, | Rumah
Sakit,Klinik Depok, Sakit,Klinik dan
dan lainnya lainnya

Tangerang, Padang,
Bali, Surabaya,
Makassar,

Bandung, Pontianak,
Yogyakarta,
Pekanbaru dan
Palembang

b. Latar belakang adanya peningkatan sebesar 4,8696 atau Rp94,06 miliar pada 30 September
2025 jika dibandingkan dengan 31 Desember 2024./ The reason for the 4.864 increase, or
IDR 94.06 billion, on September 30, 2025, compared to December 31, 2024.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa peningkatan Aset Tetap sebesar 4,864 atau Rp94,06

miliar per 30 September 2025 dibandingkan 31 Desember 2024 terutama disebabkan oleh

adanya penambahan perolehan aset tetap dan kapitalisasi proyek, yang setelah

memperhitungkan beban penyusutan pada periode berjalan menghasilkan kenaikan bersih

(net increase) sebagai berikut:

» Penambahan aset tetap/kapitalisasi (gross addition): sekitar Rp166 miliar

» Penambahan akumulasi penyusutan pada periode berjalan: sekitar Rp72 miliar

" Sehingga terdapat kenaikan bersih Aset Tetap sebesar sekitar Rp94 miliar, selaras dengan
kenaikan yang dilaporkan sebesar Rp94,06 miliar.

The Company reports that the 4.8696 or Rp94.06 billion increase in Fixed Assets as of

September 30, 2025 compared to December 31, 2024 was mainly due to the addition of fixed

assets and project capitalization, which after taking into account depreciation expenses for

the current period resulted in the following net increase:

" Addition of fixed assets/capitalization (gross addition): approximately IDR 166 billion.

» Addition of accumulated depreciation for the current period: approximately IDR 72
billion.

» This resulted in anet increase in Fixed Assets of approximately IDR 94 billion, in line with
the reported increase of IDR 94.06 billion.

Adapun sumber utama penambahan Aset Tetap tersebut antara lain:

1. Kapitalisasi Aset Tanah sebesar #Rp58 miliar, dimana penambahan ini berasal dari
pengakuan/kapitalisasi aset tanah yang pada periode berjalan telah memenuhi kriteria
pencatatan sebagai aset tetap sesuai kebijakan akuntansi Perseroan.

2. Penambahan Construction in Progress (CIP) atau Aset Dalam Penyelesaian sebesar
t#Rp69,5 miliar, dimana penambahan CIP tersebut terutama terkait proyek-proyek

PT Bundamedik Tbk
Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Pamaily g (Matters Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

ng

(@ bmhs

pengembangan dan renovasi fasilitas layanan kesehatan serta pengembangan
infrastruktur pendukung.

The main sources of the increase in Fixed Assets include:

1. Capitalization of Land Assets amounting to approximately Rp58 billion, where this
increase stems from the recognition/capitalization of land assets that, during the current
period, have met the criteria for recording as fixed assets in accordance with the
Company's accounting policies.

2. Addition of Construction in Progress (CIP) or Assets Under Construction amounting to
approximately Rp69.5 billion, where the addition of CIP is mainly related to health facility
development and renovation projects as well as supporting infrastructure development.

6. Sehubungan dengan utang usaha, Perseroan memiliki saldo utang usaha sebesar Rp42,62 miliar
pada periode 30 September 2025, agar disampaikan:/ In relation to trade payables, the Company
had trade payables of Rp42.62 billion as of September 30, 2025, to be disclosed:

a. Latar belakang adanya peningkatan sebesar 38,0396 atau Rp11,74 miliar jika dibandingkan
dengan per 31 Desember 2024./ Reasons for the increase of 38.0396 or IDR 11.74 billion
compared to December 31, 2024.

Tanggapan Perseroan:

Kenaikan utang usaha tersebut terutama dikontribusikan oleh:

Peningkatan utang kepada vendor dikontribusikan dari pencapaian target management
dalam melakukan renegosiasi perpanjangan jatuh tempo pembayaran hutang dari 30 hari
menjadi 60-90 hari./ The increase in business debt was mainly contributed by:

The increase in debt to vendors was contributed by the achievement of management targets
in renegotiating the extension of debt payment terms from 30 days to 60-90 days.

b. Latar belakang Perseroan tidak melalukan disclosure atas nama pihak-pihak pada akun
utang usaha Perseroan pada Laporan Keuangan 30 September 2025./ Reason: The Company
did not disclose the names of the parties to the Company's accounts receivable in the
Financial Statements as of September 30, 2025.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa rincian nama pemasok/vendor pada akun utang usaha
tidak diungkapkan secara spesifik dalam Laporan Keuangan per 30 September 2025 karena
informasi tersebut merupakan informasi yang bersifat rahasia (confidential) terkait
hubungan komersial Perseroan dan individu dokter./ The Company states that the details of
the names of suppliers/vendors in the accounts payable are not disclosed specifically in the

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia
Head Office: BMHS Diagnos Tower 6" - 7" Floor

Because Famili ilere Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia
www.bmhs.co.id @ 021-50980799@

(@ bmhs

Financial Statements as of September 30, 2025, because such information is confidential
information related to the commercial relationship between the Company and individual
doctors.

Pengungkapan nama vendor secara rinci berpotensi mempengaruhi posisi negosiasi,
ketentuan kerja sama, serta aspek komersial lainnya. Meskipun demikian, Perseroan
menegaskan bahwa transaksi utang usaha dilakukan dengan pihak ketiga yang relevan,
didukung dokumen yang memadai, serta dikelola dengan pengendalian internal dan tata
kelola sesuai ketentuan yang berlaku./ Disclosure of vendor names in detail has the potential
to affect the position of negotiations, terms of cooperation, and other commercial aspects.
However, the Company emphasizes that business debt transactions are conducted with
relevant third parties, supported by adeguate documentation, and managed with internal
controls and governance in accordance with applicable regulations.

Cc. Sumber kas yang akan digunakan dalam melunasi utang tersebut./ The source of cash that
will be used to pay off the debt.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa pelunasan utang usaha pada prinsipnya akan dilakukan
sesuai jatuh tempo dengan mengandalkan arus kas operasional Perseroan, termasuk
penerimaan dari kegiatan usaha utama (penerimaan pasien/penjamin, termasuk BPJS,
asuransi, corporate account, dan pasien umum) serta optimalisasi pengelolaan modal
kerja./ The Company stated that debt repayment would in principle be made on schedule by
relying on the Company's operating cash flow, including revenue from its main business
activities (patient/guarantor revenue, including BPIS, insurance, corporate accounts, and
general patients) and optimization of working capital management.

Selain itu, dalam rangka menjaga kecukupan likuiditas, Perseroan juga melakukan
pengelolaan kas terpusat (cash management) dan pengaturan prioritas pembayaran
berdasarkan urgensi operasional, sehingga kewajiban kepada pemasok strategis tetap dapat
dipenuhi tepat waktu./ In addition, in order to maintain sufficient liguidity, the Company
also implements centralized cash management and prioritizes payments based on
operational urgency, so that obligations to strategic suppliers can still be fulfilled on time.

d. Kendala dalam melunasi utang usaha tersebut./ Challenges in repaying the business debt.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa pada umumnya kendala pelunasan utang usaha di industri
layanan kesehatan dapat dipengaruhi oleh dinamika arus kas dan proses administrasi,
antara lain:

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia
Head Office: BMHS Diagnos Tower 6" -7" Floor

Because Famili lers Jl. Teuku Cik Ditiro No. 11, Menteng -Jakarta Pusat 10350, Indonesia
www.bmhs.co.id @ 021-50980799 @

(H bmh

1. Perbedaan waktu penerimaan kas dan jatuh tempo pembayaran (timming difference),
terutama karena sebagian penerimaan kas bergantung pada siklus klaim/rekonsiliasi
penjamin tertentu (misalnya BPJS atau INA-CBG dan asuransi),

2. Proses verifikasi dokumen vendor (misalnya kesesuaian invoice, berita acara serah
terima, atau kelengkapan dokumen pendukung) yang dapat mempengaruhi waktu
pemrosesan pembayaran,

3. Penjadwalan pembayaran sesuai prioritas operasional, khususnya untuk vendor kritikal
(obat, alat medis, layanan IT/operasional) agar kontinuitas layanan tetap terjaga.

The Company states that, in general, obstacles to the repayment of business debts in the
healthcare industry can be influenced by cash flow dynamics and administrative processes,
including:

1. The timing difference between cash receipts and payment due dates, mainly because
some cash receipts depend on the claim/reconciliation cycle of certain insurers (e.g.,
BPJS or INA-CBG and insurance companies),

2. The vendor document verification process (e.g., invoice conformity, handover reports,
or supporting document completeness) which can affect payment processing time,

3. Payment scheduling according to operational priorities, especially for critical vendors
(medicine, medical eguipment, IT/operational services) in order to maintain service
continuity.

7. Sehubungan dengan utang bank jangka pendek, Perseroan memiliki saldo sebesar Rp442,31
miliar pada periode 30 September 2025, agar disampaikan:/ Regarding short-term bank debt, the
Company had a balance of IDR 442.31 billion as of September 30, 2025, to be disclosed:

a. Latar belakang adanya peningkatan sebesar 0,3996 jika dibandingkan dengan per 31
Desember 2024./ Reasons for the 0.394 increase compared to December 31, 2024

Tanggapan Perseroan:

Perseroan menyampaikan bahwa saldo utang bank jangka pendek per 30 September 2025
sebesar Rp442,31 miliar mengalami peningkatan dibandingkan posisi 31 Desember 2024.
Peningkatan tersebut pada prinsipnya terjadi seiring kebutuhan pendanaan Perseroan dan
entitas anak untuk mendukung kegiatan operasional dan belanja modal (capex) tertentu./
The Company reports that its short-term bank debt balance as of September 30, 2025,
amounted to Rp442.31 billion, an increase compared to the position as of December 31,
2024. This increase was mainly due to the Company and its subsidiaries' need for funding to
support certain operational activities and capital expenditures (capex).

Perseroan menegaskan bahwa penggunaan fasilitas pinjaman bank dilakukan sesuai
kebutuhan pendanaan dan peruntukannya, serta tetap memperhatikan pengelolaan
likuiditas dan ketentuan perjanjian kredit yang berlaku./ The Company emphasizes that the

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia
Head Office: BMHS Diagnos Tower 6" - 7" Floor

Because Famik (ie Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia
www.bmhs.co.id @ 021-50980799 @

AAA

(@ bmhs

NG4 since 1973

use of bank loan facilities is carried out in accordance with funding needs and their intended
purpose, while continuing to pay attention to liguidity management and the provisions of
the applicable credit agreement.

b. Strategi dan sumber dana Perseroan dalam melunasi utang tersebut./ The Company's
strategy and funding sources for repaying the debt.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa strategi pelunasan utang bank jangka pendek dilakukan

melalui pengelolaan likuiditas dan arus kas secara disiplin, dengan sumber dana utama

sebagai berikut:

1. Arus kas dari kegiatan operasional Perseroan mengandalkan penerimaan kas dari
kegiatan usaha utama (layanan rumah sakit dan entitas pendukung), termasuk
penerimaan dari penjamin (BPJS Kesehatan/INA-CBG, asuransi, corporate account) dan
pasien umum, disertai penguatan proses penagihan dan pengendalian modal kerja.

2. Pengelolaan modal kerja dan efisiensi kas Perseroan melakukan optimalisasi
pengelolaan modal kerja melalui pengendalian biaya operasional, penjadwalan
pembayaran kewajiban kepada pemasok sesuai jatuh tempo, serta pengelolaan
persediaan dan piutang agar perputaran kas lebih baik.

3. Hasil pengelolaan kas terpusat dan prioritas pembayaran
Perseroan menerapkan pengelolaan kas secara terpusat (cash management) dan
prioritas pembayaran untuk memastikan kewajiban perbankan terpenuhi tepat waktu
tanpa mengganggu kebutuhan operasional layanan kesehatan.

The Company states that its strategy for repaying short-term bank debt is carried out
through disciplined liguidity and cash flow management, with the following main sources of
funds:

1. Cash flow from the Company's operational activities relies on cash receipts from its
main business activities (hospital services and supporting entities), including receipts
from guarantors (BPIS Kesehatan/INA-CBG, insurance, corporate accounts) and general
patients, accompanied by the strengthening of the billing process and working capital
control.

2. Working capital management and cash efficiency The Company optimizes working
capital management through operational cost control, scheduling payments to
suppliers according to maturity dates, and managing inventory and accounts receivable
to improve cash flow.

3. Results of centralized cash management and payment priorities The Company
implements centralized cash management and payment priorities to ensure that

PT Bundamedik Tbk
Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Famik rs Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

Be RA,

( bmbs

N since 1973

banking obligations are met on time without disrupting the operational needs of
healthcare services.

8. Sehubungan dengan ekuitas, Perseroan memiliki saldo sebesar Rp172,06 miliar pada periode 30
September 2025, agar disampaikan klarifikasi terhadap pihak-pihak yang menjadi porsi
Masyarakat sebesar 23,76#6 serta rencana pelunasannya./ Related to eguity, the Company had a
balance of Rp172.06 billion as of September 30, 2025, to be clarified to the parties representing
23.764 of the public and the repayment plan.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa saldo Ekuitas sebesar Rp172,06 miliar per 30 September 2025
merupakan modal dasar Persoraan. Sampai saat ini, tidak terdapat corporate action, right issue
maupun buyback saham./ The Company states that the eguity balance of Rp172.06 billion as of
September 30, 2025 constitutes the Company's authorized capital. To date, there have been no
corporate actions, rights issues, or share buybacks.

9. Sehubungan dengan pendapatan, Perseroan memiliki saldo sebesar Rp1,15 triliun pada periode
30 September 2025, agar disampaikan:/ In relation to revenue, the Company had a balance of
IDR 1.15 trillion as of September 30, 2025, to be reported:

a. Latar belakang penurunan sebesar 0,184 jika dibandingkan 30 September 2024./ The reason
for the decline of 0.1896 compared to September 30, 2024.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa penurunan pendapatan sebesar 0,186 pada periode 30
September 2025 dibandingkan periode yang sama tahun sebelumnya merupakan terutama
dipengaruhi oleh dinamika operasional yang lazim di industri layanan kesehatan, antara lain
siklus bisnis, khususnya BPJS Kesehatan (klaim INA-CBG) dan asuransi, yang dapat
menyebabkan adanya naik turunnya pendapatan Perseroan./ The Company stated that the
0.189 decline in revenue in the period ending September 30, 2025, compared to the same
period last year, was mainly influenced by operational dynamics that are common in the
healthcare industry, including business cycles, particularly BPIS Kesehatan (INA-CBG claims)
and insurance, which can cause fluctuations in the Company's revenue.

b. Strategi Perseroan dalam meningkatkan pendapatannya./ The Company's strategy to increase
its revenue.

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Famili era Jl. Teuku Cik Ditiro No. 11, Menteng -Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

Be AAA. A

since 1973

@ bmhs

Tanggapan Perseroan:
Perseroan menyampaikan bahwa strategi peningkatan pendapatan dilakukan melalui
kombinasi penguatan volume layanan, pengembangan layanan bernilai tambah, dan
perbaikan proses penagihan, dengan fokus utama sebagai berikut:
1. Pengembangan layanan COE dan POE baru yang memiliki Average Rate per Pasien
tinggi, antara lain:
#  Transpaltasi Ginjal
" Robotic
2. Peningkatan atas utilisasi layanan inti rumah sakit
# optimalisasi tingkat hunian (occupancy) dan bed turnover,
# penguatan layanan rawat jalan spesialis/unggulan, serta pengembangan paket
layanan (misalnya health screening, MCU, dan layanan berulang).
3. Pengembangan terhadap layanan penunjang dan layanan high-demand
# penguatan layanan diagnostik (radiologi, lab) dan layanan berbasis teknologi,
»  pengembangan/peningkatan fasilitas (renovasi/penambahan kapasitas) untuk
mendukung throughput pasien dan kualitas layanan.
4. Penguatan kerja sama atas penjamin (BPJS, asuransi, corporate account)
" perluasan jaringan kerja sama perusahaan dan asuransi,
» peningkatan service level untuk pasien penjamin agar retensi meningkat.

The Company stated that its revenue enhancement strategy was implemented through a
combination of strengthening service volume, developing value-added services, and
improving billing processes, with the following main focuses:
1. Development of new COE and POE services with high Average Rate per Patient, including:
»  Kidney Transplantation
«Robotic
2. Improving the utilization of core hospital services
s  optimizing occupancy rates and bed turnover,
»  strengthening specialist/premium outpatient services, and developing service
packages (e.g., health screening, MCU, and recurring services).
3. Development of supporting services and high-demand services
»  Strengthening diagnostic services (radiology, lab) and technology-based services,
"  Development/improvement of facilities (renovation/capacity expansion) to support
patient throughput and service guality.
4. Strengthening cooperation with insurers (BPJS, insurance, corporate accounts)
8  Expanding the network of corporate and insurance partnerships,
»  Improving service levels for insured patients to increase retention.

PT Bundamedik Tbk
Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Panaily (Uahers Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

Ng

(@ bmhs

Nu, since 1973

c. Rincian pendapatan Perseroan pada periode 30 September 2025, Perseroan agar
menyampaikan jawaban menggunakan format tabel dibawah berikut:/ The Company's
income details for the period ending September 30, 2025. The Company is reguested to submit
its response using the table format below:

Tanggapan Perseroan:

Sesuai dengan jawaban kami pada point diatas, dengan didasarkan pada Peraturan
Perlindungan data pasien diatur terutama oleh UU No. 27 Tahun 2022 tentang Perlindungan
Data Pribadi (UU PDP), yang memperkuat hak privasi pasien, serta Permenkes No. 24 Tahun
2022 tentang Rekam Medis Elektronik (RME), yang mewajibkan keamanan data medis dengan
prinsip kerahasiaan, integritas, dan ketersediaan (KIK) untuk fasilitas Kesehatan,Maka kami
tidak dapat menyampaikan rincian pendapatan per masing-masing pelanggan. Penyajian
pendapatan per layanan Kesehatan disajikan pada “catatan 27. Pendapatan Neto”./ In
accordance with our response to the above point, based on the Patient Data Protection
Regulation governed primarily by Law No. 27 of 2022 concerning Personal Data Protection
(PDP Law), which strengthens patient privacy rights, as well as Minister of Health Regulation
No. 24 of 2022 concerning Electronic Medical Records (RME), which reguires medical data
security based on the principles of confidentiality, integrity, and availability (KIK) for health
facilities, we are unable to disclose details of revenue per customer. Revenue per health
service is presented in “note 27. Net Revenue”.

10. Sehubungan dengan beban pokok penjualan, Perseroan memiliki saldo sebesar Rp616,57 miliar
pada periode 30 September 2025, agar disampaikan:/ In relation to cost of sales, the Company
had a balance of Rp616.57 billion as of September 30, 2025, to be disclosed:

a. Latar belakang peningkatan sebesar 0,794 jika dibandingkan 30 September 2024./
Background of the 0.799 increase compared to September 30, 2024.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa Beban Pokok Penjualan (BPP) per 30 September 2025
tercatat sebesar Rp616,57 miliar, meningkat 0,7996 dibandingkan periode yang sama tahun
sebelumnya. Peningkatan tersebut pada prinsipnya mencerminkan perubahan komposisi
biaya langsung layanan kesehatan dan aktivitas operasional Perseroan, yang utamanya
dipengaruhi oleh dinamika pada pos biaya tenaga medis, serta perubahan pada biaya obat
dan perlengkapan medis./ The Company reports that Cost of Sales (CoS) as of September 30,
2025, was recorded at Rp616.57 billion, an increase of 0.7996 compared to the same period
last year. This increase essentially reflects changes in the composition of the Company's direct
healthcare and operational costs, which were mainly influenced by dynamics in medical
personnel costs, as well as changes in the costs of medicines and medical eguipment.

Secara lebih rinci, perubahan BPP terutama dipengaruhi oleh faktor-faktor berikut:

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia
Head Office: BMHS Diagnos Tower 6" - 7" Floor

Because Famili are Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia
www.bmhs.co.id @ 021-50980799 @

(@ bmhs

NN since 1973

1. Beban Pokok Penjualan Tenaga Medis mengalami peningkatan dibandingkan periode
sebelumnya dan

2. Biaya Obat dan Perlengkapan Medis secara keseluruhan mengalami penyesuaian sejalan
dengan perubahan aktivitas penjualan/pemakaian, termasuk adanya penurunan biaya
terkait penjualan obat pada entitas anak tertentu, serta penurunan biaya obat seiring
penurunan pendapatan obat pada periode berjalan.

More specifically, changes in COGS were mainly influenced by the following factors:

1. Cost of Medical Personnel Sales increased compared to the previous period, and

2. Total Medication and Medical Eguipment Costs were adjusted in line with changes in
sales/usage activities, including a decrease in medication sales costs at certain
subsidiaries, as well as a decrease in medication costs in line with a decline in medication
revenue during the current period.

Dengan demikian, kenaikan BPP secara agregat tetap relatif terbatas (0,796) karena
peningkatan pada biaya tenaga medis sebagian terimbangi oleh penurunan pada biaya obat
dan perlengkapan medis di segmen tertentu./ Thus, the aggregate increase in BPP remained
relatively limited (0.7996) because the increase in medical personnel costs was partially offset
bya decrease in the cost of medicines and medical supplies in certain segments.

b. Latar belakang dan nature atas peningkatan signifikan pada beban pokok penjualan tenaga
medis sebesar 6,475 jika dibandingkan per 30 September 2024./ The background and nature
of the significant increase in the cost of sales for medical personnel by 6.4796 compared to
September 30, 2024.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa peningkatan BPP Tenaga Medis sebesar 6,474 per 30
September 2025 dibandingkan periode yang sama tahun sebelumnya dikarenakan
peningkatan tahunan gaji beban tenaga medis./ The Company stated that the 6.474 increase
in Medical Personnel BPP as of September 30, 2025, compared to the same period last year
was due to the annual increase in medical personnel salary expenses.

11. Sehubungan dengan beban penjualan, Perseroan memiliki saldo sebesar Rp24,92 miliar pada
periode 30 September 2025, agar disampaikan:/ In relation to sales expenses, the Company had
a balance of Rp24.92 billion as of September 30, 2025, to be disclosed:

a. Latar belakang penurunan sebesar 0,994 jika dibandingkan 30 September 2024./ The
background to the decline of 0.9996 compared to September 30, 2024.

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia
Head Office: BMHS Diagnos Tower 6" - 7" Floor

Because Famili (lara Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia
www.bmhs.co.id @ 021-50980799 @

Be AAA. A

( bmhs

NN since 1973

Tanggapan Perseroan:
Beban penjualan masih di batas rasio yang ditetapkan Perseroan, kami di Perseroan selalu

menjaga rasio maksimal di 2,59sterhadap revenue./ Sales expenses are still within the ratio
set by the Company. We at the Company always maintain a maximum ratio of 2.54 of
revenue.

b. Latar belakang dan nature atas penurunan pada transportasi sebesar 6,8696 jika dibandingkan
per 30 September 2024./ The background and nature of the 6.869 decline in transportation
compared to September 30, 2024.

Tanggapan Perseroan:

Perseroan menyampaikan bahwa penurunan beban transportasi sebesar 6,864 per 30

September 2025 dibandingkan periode yang sama tahun sebelumnya terutama dipengaruhi

oleh upaya efisiensi dan pengendalian biaya operasional, antara lain melalui:

1. Optimalisasi aktivitas kunjungan dan kegiatan pemasaran (penjadwalan yang lebih efektif
dan prioritisasi area/segmen),

2. Pengendalian biaya perjalanan dinas dan logistik promosi yang lebih ketat, termasuk
penyesuaian pola kegiatan (sebagian kegiatan pemasaran/komunikasi dilakukan melalui
kanal digital): dan

3. Penyesuaian kebutuhan mobilisasi sesuai program pemasaran yang berjalan pada periode
tersebut.

The Company reports that the 6.8696 decrease in transportation expenses as of September 30,

2025, compared to the same period last year, was mainly influenced by efficiency efforts and

operational cost control, including through:

1. Optimization of visits and marketing activities (more effective scheduling and prioritization
of areas/segments):

2. Stricter control of business travel and promotional logistics costs, including adjustments to
activity patterns (some marketing/communication activities were conducted through
digital channels): and

3. Adjustments to mobilization needs in line with the marketing program running during that
period.

12. Sehubungan dengan beban administrasi, Perseroan memiliki saldo sebesar Rp443,82 miliar pada
periode 30 September 2025, agar disampaikan:/ In relation to administrative expenses, the
Company had a balance of Rp443.82 billion as of September 30, 2025, to be reported:

a. Latar belakang penurunan sebesar 0,7446 jika dibandingkan 30 September 2024./ The
background to the decline of 0.7496 compared to September 30, 2024.

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Panaily . (Ualers Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia

waw.bmhs.co.id @ 021-50980799 @

BAY. A

(@ bmhs

NG since 1973

Tanggapan Perseroai
Perseroan menyampaikan bahwa Beban Administrasi per 30 September 2025 tercatat
sebesar Rp443,82 miliar, menurun sebesar 0,746 dibandingkan periode yang sama tahun
sebelumnya. Penurunan ini pada prinsipnya mencerminkan langkah efisiensi dan
pengendalian biaya yang dilakukan Perseroan secara berkelanjutan, termasuk optimalisasi
beban operasional pendukung dan penyesuaian atas beberapa komponen biaya
administrasi./ The Company reports that administrative expenses as of September 30, 2025,
were recorded at Rp443.82 billion, a decrease of 0.7496 compared to the same period last
year. This decrease essentially reflects the Company's ongoing efficiency and cost control
measures, including the optimization of supporting operational expenses and adjustments to
several administrative cost components.

Secara umum, penurunan tersebut terutama dipengaruhi oleh penurunan pada pos beban
penyusutan dan beban kantor, sebagaimana dijelaskan lebih lanjut pada poin (b) dan (c) di
bawah ini./ In general, this decrease was mainly influenced by a decrease in depreciation and
Office expenses, as explained further in points (b) and (c) below.

b. Latar belakang dan nature atas penurunan signifikan pada penyusutan sebesar 11,304 jika
dibandingkan per 30 September 2024./ The background and nature of the significant decline
in depreciation of 11.3096 compared to September 30, 2024.

Tanggapan Perseroan:

Perseroan telah mencatat penyusutan sesuai dengan peraturan akuntasi yang berlaku di
Indonesia,dengan penyusutan metode garis lurus dan umur asset tetap sebagai berikut:/ The
Company has recorded depreciation in accordance with accounting regulations applicable in
Indonesia, using the straight-line method and the useful life of fixed assets as follows:

Persentase (Masa manfaat)/

Jenis Aset Tetap Percentage (Useful lifes)
Bangunan 55 (20 tahun/years)
Peralatan medis 6,251 - 255 (4-16 tahun/years)
Peralatan kantor 10X - 5016 (2 - 10 tahun/years)
Mesin dan instalasi 12,5k - 254 (4 - 8 tahun/ years)
Peralatan rumah tangga 20 - 258 (4 - 5 tahun/ years)
Kendaraan 12,54 - 201 (4 - 8 tahun/ years)

c. Latar belakang dan nature atas penurunan signifikan pada beban kantor sebesar 12,635 jika
dibandingkan per 30 September 2024./ The background and nature of the significant
decrease in office expenses of 12.6396 compared to September 30, 2024.

Tanggapan Perseroan:
Perseroan menyampaikan bahwa penurunan beban kantor sebesar 12,6396 per 30 September
2025 dibandingkan periode yang sama tahun sebelumnya terutama dipengaruhi oleh

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6'" - 7" Floor
Because Famili era Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

Na AA

(@ bmhs

NG since 1973

pengendalian biaya administrasi secara lebih selektif dan disiplin, termasuk penyesuaian
kebutuhan operasional kantor agar lebih efisien tanpa mengganggu kelancaran kegiatan
usaha./ The Company stated that the 12.635 decrease in office expenses as of September 30,
2025, compared to the same period last year, was mainly influenced by more selective and
disciplined control of administrative costs, including adjustments to office operational needs
to be more efficient without disrupting business activities.

B. — Lain-lain/ Others
1. Rencana tindakan korporasi dalam periode 12 bulan ke depan (jika ada)./ Corporate action
plans for the next 12 months (if any).

Tanggapan Perseroan:

Sampai dengan saat ini, Perseroan belum memiliki rencana untuk melakukan tindakan
korporasi dalam jangka waktu 12 (dua belas) bulan ke depan sebagaimana dimaksud dalam
ketentuan Bursa Efek Indonesia./ Currently, the Company has no plans to undertake corporate
actions within the next 12 (twelve) months as referred to in the provisions of the Indonesia
Stock Exchange.

2. Apakah terdapat rencana pemegang saham pengendali terkait dengan kepemilikan sahamnya
di Perseroan?/ Are there any plans by the controlling shareholder regarding its share
ownership in the Company?

Tanggapan Perseroan:

Perseroan menyampaikan bahwa hingga saat ini, Pemegang Saham Pengendali tidak memiliki
rencana atau komitmen tertentu terkait perubahan kepemilikan sahamnya di Perseroan
dalam jangka waktu 12 (dua belas) bulan ke depan./ The Company states that to date, the
Controlling Shareholder has no specific plans or commitments regarding changes to its share
ownership in the Company within the next 12 (twelve) months.

3. Informasi/kejadian penting lainnya yang material dan dapat mempengaruhi kelangsungan
hidup perusahaan serta dapat mempengaruhi harga saham Perusahaan./ Other important
information/events that are material and may affect the Company's survival and may affect
the Company's share price.

Tanggapan Perseroan:

Hingga tanggal penyampaian informasi ini, tidak terdapat informasi, kejadian, atau fakta
penting lainnya yang bersifat material yang dapat mempengaruhi kelangsungan usaha
Perseroan maupun yang berpotensi berdampak signifikan terhadap harga saham Perseroan./
As of the date of this disclosure, there is no other material information, event, or fact that
could affect the Company's business continuity or potentially have a significant impact on the
Company's share price.

PT Bundamedik Tbk
Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia

Head Office: BMHS Diagnos Tower 6" - 7" Floor
Because Pemiki ca Jl. Teuku Cik Ditiro No. 11, Menteng - Jakarta Pusat 10350, Indonesia

www.bmhs.co.id @ 021-50980799 @

AAA

since 1973

@ bmhs

Demikian kami sampaikan jawaban atas Surat Bursa Efek Indonesia Nomor: S-14182/BEI.PP3/12-2025
tanggal 17 Desember 2025. Atas perhatian dan arahannya, kami ucapkan banyak terima kasih.

We hereby submit our response to the Indonesia Stock Exchange Letter Number: 5-14182/BEI.PP3/12-2025
dated 17 December 2025. We thank you for your attention and guidance.

Hormat kami / Regards

Agus Heru Darjono

President Director

PT Bundamedik Tbk

Jl. Teuku Cik Ditiro No. 28, Menteng - Jakarta Pusat 10350, Indonesia
Head Office: BMHS Diagnos Tower 6" - 7" Floor

Because Famaik (Mera Jl. Teuku Cik Ditiro No. 11, Menteng -Jakarta Pusat 10350, Indonesia
www.bmhs.co.id @ 021-50980799 @

AAA