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Public Expose PT Mizuho Leasing Indonesia Tbk 23 Desember / December 2025 Catur Dharma Hall Menara Astra Lantai 5 / 5th Floor PT Mizuho Leasing Indonesia Tbk Berizin dan diawasi oleh Otoritas Jasa Keuangan PT Mizuho Leasing Indonesia Tbk is Licensed and Supervised by Financial Service Authority Private and confidential
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Daftar Isi / Table of Contents
1. Outlook Perekonomian Indonesia dan Pertumbuhan Piutang
Pembiayaan Perusahaan Pembiayaan /
Indonesian Economic Outlook and Growth of Financing
Company Receivables 3
2. Filosofi Manajemen Perseroan /
Company’s Management Philosophy 5
Visi, Misi, Nilai / Vision, Mission, Value 6
Jejak Langkah Perseroan / Company’s Milestones 7
3. Struktur Pemegang Saham / Shareholder Structure 8
4. Website Terkait / Related Website 10
5. Kegiatan Usaha / Business Activities 13
6. Dewan Komisaris & Direksi /
Board of Commissioners and Board of Directors 14
Dewan Komisaris / Board of Commissioners 15
Direksi / Board of Directors 16
7. Jaringan Unit Bisnis Ritel /
Retail Business Unit Network 17
8. Upaya Untuk Meningkatkan Kinerja Perseroan /
Efforts to Improve the Performance of the Company 19
9. Kinerja Keuangan dan Profil Karyawan /
Financial Performance and Employee Profile 21
Kinerja Keuangan / Financial Performance 22
Rasio Keuangan / Financial Ratio 23
Profil Piutang Pembiayaan /Financing Receivable Profile 24
Fasilitas Pendanaan / Funding Facility 25
Profil Karyawan / Employee Profile 26
Private and confidential | 2
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Outlook Perekonomian Indonesia dan Pertumbuhan Piutang Pembiayaan Perusahaan Pembiayaan Indonesian Economic Outlook and Growth of Financing Company Receivables
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Outlook Perekonomian Indonesia dan Pertumbuhan Piutang Pembiayaan Perusahaan Pembiayaan /
Indonesian Economic Outlook and Growth of Financing Company Receivables
Perekonomian Indonesia kembali menunjukkan ketahanan dan daya saing yang kuat di tengah ketidakpastian global. Berdasarkan data Badan Pusat Statistik
(BPS), Produk Domestik Bruto (PDB) Indonesia pada Triwulan III 2025 tumbuh sebesar 5,04% (yoy), tetap berada pada jalur untuk mencapai target
pertumbuhan tahunan 5,2%. Optimisme terhadap perekonomian Indonesia juga tercermin dari laporan IMF yang telah menaikkan proyeksi pertumbuhan
ekonomi Indonesia untuk tahun 2025 dan 2026 serta menjadikan Indonesia sebagai salah satu “bright spot” di tengah perlambatan ekonomi global.
Di bawah kesepakatan perdagangan bilateral dengan Amerika Serikat yang diumumkan pada Juli 2025, tarif sebesar 19% akan berlaku untuk ekspor
Indonesia, menggantikan tarif 32% yang direncanakan sebelumnya. Dampak langsung pada pertumbuhan diperkirakan ringan, karena ekspor barang ke
Amerika Serikat mewakili kurang dari 2% dari PDB.
Pemerintah terus melanjutkan kebijakan kontrasiklikal untuk menopang pertumbuhan melalui percepatan realisasi belanja negara di Triwulan IV, penguatan
program perlindungan sosial bagi lebih dari 35 juta keluarga penerima manfaat, serta berbagai stimulus konsumsi dan transportasi jelang Natal dan Tahun
Baru. Di sisi investasi dan industri, Pemerintah memperkuat hilirisasi melalui penyelesaian proyek strategis. Pemerintah optimis pertumbuhan ekonomi
Indonesia tahun 2025 tetap berada di jalur positif dan inklusif. Pemerintah akan terus menjaga momentum pertumbuhan melalui kebijakan yang adaptif,
kolaboratif, dan berorientasi pada kesejahteraan masyarakat.
The Indonesian economy once again demonstrated strong resilience and competitiveness amidst global uncertainty. Based on data from the Central Statistics
Agency (BPS), Indonesia's Gross Domestic Product (GDP) grew by 5.04% (yoy) in the third quarter of 2025, remaining on track to achieve the annual growth
target of 5.2%. Optimism about the Indonesian economy is also reflected in the IMF report, which has raised Indonesia's economic growth projections for 2025
and 2026 and positioned Indonesia as one of the "bright spots" amid the global economic slowdown.
Under the bilateral trade agreement with the United States announced in July 2025, a tariff of 19% will apply to Indonesian exports, replacing the previously
planned 32% tariff. The direct impact on growth is expected to be mild, as merchandise exports to the United States account for less than 2% of GDP.
The Government continues to pursue counter-cyclical policies to support growth through accelerating the realization of state expenditure in the fourth quarter,
strengthening social protection programs for over 35 million beneficiary families, and various consumption and transportation stimuli ahead of Christmas and
New Year. On the investment and industry front, the Government is reinforcing downstreaming industrialization through the completion of strategic projects.
The Government is optimistic that Indonesia's economic growth in 2025 will remain on a positive and inclusive track. The Government will continue to maintain
the momentum of growth through policies that are adaptive, collaborative, and oriented towards community welfare.
Piutang pembiayaan Perusahaan Pembiayaan tumbuh sebesar 1,07% yoy pada September 2025 dengan nominal sebesar Rp507,14 triliun,
didukung oleh pembiayaan modal kerja yang tumbuh sebesar 10,61% yoy. Profil risiko perusahaan pembiayaan terjaga dengan rasio Non-
Performing Financing (NPF) gross sebesar 2,47% dan NPF net sebesar 0,84%. Gearing ratio perusahaan pembiayaan masih berada pada level
yang memadai dan tercatat sebesar 2,17 kali, jauh di bawah batas maksimum 10 kali.
Financing company receivables grew by 1.07% year-on-year (yoy) in September 2025, reaching a nominal value of Rp507.14 trillion. This growth
was supported by working capital financing, which increased by 10.61% yoy. The risk profile of financing companies remained well-maintained, with
the Non-Performing Financing (NPF) gross ratio at 2.47% and the NPF net ratio at 0.84%. The gearing ratio of financing companies remained at an
adequate level, recorded at 2.17 times, which is well below the maximum limit of 10 times.
Sumber/ Source:
• Siaran Pers Kementerian Koordinator Bidang Perekonomian Republik Indonesia tanggal 5 November 2025 / Press Release from the Coordinating Ministry for Economic Affairs of the Republic of Indonesia,
dated November 5, 2025.
• OECD Economic Outlook 2025
• Siaran Pers Bersama Komite Stabilitas Sistem Keuangan tanggal 3 November 2025 / Joint Press Release from the Financial System Stability Committee
Private and confidential | 4
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Filosofi Manajemen Perseroan Company’s Management Philosophy
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Filosofi Manajemen Perseroan / Company’s Management Philosophy
VISI
Menjadi Pencipta Dunia Berkelanjutan
Be a Creator of a Sustainable World
VISION
Menghubungkan Kebutuhan untuk Menciptakan Masa Depan
MISI
Connect Needs to Create the Future
MISSION
NILAI-NILAI Melalui Kolaborasi, Kami Akan Menghadapi Tantangan,
Membuat Perubahan, dan Mempercepat Penciptaan
Through Collaboration, We Will Take on Challenges,
Enact Change, and Accelerate Creation
VALUES
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Jejak Langkah Perseroan / Company’s Milestones
Perseroan melaksanakan PMHMETD II dengan dana yang diperoleh 2019
2019 untuk penambahan modal senilai Rp434,3 miliar.
The Company carried out PMHMETD II with total funding obtained for
additional capital of Rp434.3 billion.
Mizuho Leasing Co.,Ltd. menjadi Pemegang Saham Pengendali
2019 Perseroan dengan kepemilikan sebesar 67,44%.
Mizuho Leasing Co., Ltd. became the Controlling Shareholder of the
Company with an ownership of 67.44%.
Penggabungan usaha dengan entitas asosiasi PT IBJ Verena
Finance (IBJV), dimana Perseroan menjadi surviving entity.
2019 Merger with associate entity PT IBJ Verena Finance (IBJV), whereas 2022
the Company becomes the surviving entity.
Perseroan berubah nama menjadi PT Mizuho Leasing Indonesia Tbk
dengan alamat Kantor Pusat baru di Menara Astra Lantai 32, Jalan
Jenderal Sudirman Kavling 5-6, Jakarta 10220.
2022 The Company changed its name to PT Mizuho Leasing Indonesia Tbk
with a new Head Office address at Menara Astra 32nd Floor, Jalan
Jenderal Sudirman Kavling 5-6, Jakarta 10220.
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Struktur Pemegang Saham Shareholder Structure
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Struktur Pemegang Saham* / Shareholder Structure*
Mizuho Leasing Co., Ltd.
67.44%
PT Bank Pan Indonesia Tbk
25.06%
*Jumlah Pemegang Saham
Number of Shareholders
30 November 2025
1,479 Pemegang Saham (Shareholders) Masyarakat / Public
7.50%
Private and confidential | 9
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Website Terkait Related Website
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Website Terkait / Related Website
WEB
https://www.mizuho-ls.co.id
SITE
https://www.pinjamdana.co.id
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Kegiatan Usaha Business Activities
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Kegiatan Usaha / Business Activities
Unit Bisnis Ritel
Retail Business Unit
Pembiayaan Modal Kerja Pembiayaan Multiguna
Pembiayaan Investasi
Working Capital Financing Multipurpose Financing
Investment Financing
Unit Bisnis Korporasi
Pembiayaan Investasi Pembiayaan Modal Kerja Kegiatan Usaha Pembiayaan Lain
Corporate Business Unit
Berdasarkan Persetujuan OJK
Investment Financing Working Capital Financing
Other Financing Business
Activities Based on Approval from
OJK
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Dewan Komisaris & Direksi Board of Commissioners & Board of Directors
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Dewan Komisaris / Board of Commissioners
Komisaris Utama YASUO
President Commissioner
IMAIZUMI
BHINDAWATICommissioner
Komisaris
GUNAWAN
MOHAMMAD Komisaris Independen
SYAHRIAL Independent Commissioner
Private and confidential | 15
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Direksi / Board of Directors
YUDI
Direktur Utama/ KONOSUKE GUSTIAWAN
Direktur/ Director
President Director
MIZUTA
ANDI
Direktur/ Director
HARJONO
KENJIRO Direktur/ Director
SAWADA
Private and confidential | 16
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Jaringan Unit Bisnis Ritel Retail Business Unit Network
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Jaringan Unit Bisnis Ritel* / Retail Business Unit Network*
*Per (As of) 30 November 2025
31 Kantor Cabang (Branch Offices)
JAKARTA
BANDUNG SEMARANG BALIKPAPAN MEDAN
1 Kantor Pusat / Head Offic
2 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office
4 Kantor Cabang / Branch Offices
KEDIRI SURABAYA BANJARMASIN JAMBI
TANGERANG
1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office
2 Kantor Cabang / Branch Offices
LAMONGAN MALANG SAMARINDA PEKANBARU
BEKASI
1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office
2 Kantor Cabang / Branch Offices
SURAKARTA DENPASAR PONTIANAK PALEMBANG
BOGOR
1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office
1 Kantor Cabang / Branch Office
YOGYAKARTA MAKASSAR BALIKPAPAN BANDAR LAMPUNG
DEPOK
1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office 1 Kantor Cabang / Branch Office
1 Kantor Cabang / Branch Office
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Upaya Untuk Meningkatkan Kinerja Perseroan Efforts to Improve the Performance of the Company
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Upaya Untuk Meningkatkan Kinerja Perseroan / Efforts to Improve the Performance of the Company
Peningkatan Portofolio Kolaborasi Mengendalikan BOPO
Portfolio Enhancement Collaboration Controlling BOPO
Meningkatkan portofolio pembiayaan Meningkatkan operation asset balance Melakukan pengendalian secara penuh
Unit Bisnis Ritel dan Unit Bisnis Unit Bisnis Korporasi dengan terhadap rasio Beban Operasional
Korporasi yang berkualitas berdasarkan meningkatkan jumlah klien Unit Bisnis terhadap Pendapatan Operasional
(BOPO) dalam rangka mengoptimalkan
STRATEGI
prinsip kehati-hatian serta Korporasi melalui akuisisi dan
mengembangkan produk-produk dan
strategi pemasaran yang sesuai
berkolaborasi dengan Marubeni
Indonesia & Bank Mizuho Indonesia.
pertumbuhan bisnis Perusahaan.
To fully control the ratio of Operating
STRATEGIES
kebutuhan konsumen berbasis risiko. To increase the operation asset balance Expenses to Operating Income (BOPO)
To enhance the financing portfolio of of the Corporate Business Unit by in order to optimize the growth of the
the Retail Business Unit and the increasing the number of Corporate Company's business.
Corporate Business Unit with quality Business Unit clients through
based on the principle of prudence, as acquisition and collaboration with
well as to develop products and Marubeni Indonesia & Bank Mizuho
marketing strategies that align with Indonesia.
consumer needs on a risk-based
approach.
Intensifikasi Usaha & Mengembangkan Teknologi Informasi
Peningkatan Produktifitas Develop Information Technology
Business Intensification & Melakukan pengembangan Teknologi GROWTH
Productivity Enhancement Informasi untuk meningkatkan efisiensi
bisnis proses Perusahaan dan memberikan
Melakukan intensifikasi usaha melalui jaringan pelayanan terbaik pada konsumen dengan
usaha Perusahaan yang sudah ada untuk senantiasa mengacu pada pedoman Sistem
meningkatkan profitablitas dan mencapai Manajemen Keamanan Informasi (SMKI)
efisiensi operasional yang optimal serta serta memperkuat pertahanan dari
pengembangan sumber daya manusia dalam serangan siber.
rangka meningkatkan produktifitas. Developing Information Technology to
i.Conducting business intensification through improve the efficiency of the Company's
the Company's existing business network to business processes and provide the best
increase profitability and achieve optimal service to consumers by always referring to
operational efficiency as well as human the Information Security Management
resource development in order to increase System (ISMS) guidelines and
productivity. strengthening defenses against cyber
attacks.
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Kinerja Keuangan dan Profil Karyawan Financial Performance and Employee Profile
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Kinerja Keuangan / Financial Performance
Dalam Miliar Rupiah / in Billion Rupiah
Keterangan Tidak Diaudit Audit
Description Unaudited Audited
Sep 2025 Sep 2024 FY 2024 FY 2023 FY 2022
Total Aset
3,056.06 3,098.68 3,210.52 2,793.58 2,466.67
Total Assets
Total Liabilitas
2,315.54 2,341.44 2,466.53 2,043.10 1,776.77
Total Liabilities
Total Ekuitas
740.52 757.24 744.00 750.48 689.90
Total Equity
YTD Total Pendapatan
332.57 344.90 469.65 401.34 333.06
YTD Total Income
YTD Total Beban
332.83 339.98 473.69 340.11 277.72
YTD Total Expenses
YTD Laba (Rugi) Bersih Periode Berjalan
-2.02 8.28 -2.16 61.15 62.05
YTD Net Profit (Loss) for the Period
Private and confidential | 22
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Rasio Keuangan / Financial Ratio
Keterangan Tidak Diaudit Audit
Description Unaudited Audited
Sep 2025 Sep 2024 FY 2024 FY 2023 FY 2022
Return on Assets -0.01% 0.22% -0.16% 2.33% 2.52%
Return on Equity -0.36% 1.46% -0.28% 8.47% 8.99%
Rasio Gearing
Gearing Ratio 2.97x 2.94x 3.14x 2.59x 2.42x
Rasio Piutang Pembiayaan Bermasalah Neto
Non Performing Financing Net (NPF) 1.42% 0.34% 0.42% 0.19% 2.22%
Rasio Piutang Pembiayaan Neto terhadap Total Aset
Financing to Asset Ratio
90.82% 92.13% 92.25% 91.05% 85.67%
Rasio Saldo Piutang Pembiayaan Neto terhadap Total Pendanaan
yang Diterima
Net Financing Receivable to Funding Ratio
126.40% 127.98% 126.16% 131.12% 127.19%
Rasio Saldo Piutang Pembiayaan untuk Pembiayaan Investasi dan
Modal Kerja Dibandingkan dengan Total Saldo Piutang Pembiayaan
Financing Receivables for Investment and Working Capital Financing
to Total Financing Receivables Ratio 40.28% 37.00% 38.58% 38.20% 35.77%
Rasio Permodalan
Capital Ratio 76.70% 73.01% 69.15% 77.41% 86.97%
Rasio Ekuitas terhadap Modal Disetor
Equity to Paid Up Capital Ratio 130.21% 133.33% 131.50% 131.87% 121.12%
Private and confidential | 23
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Profil Piutang Pembiayaan* / Financing Receivables Profile*
Berdasarkan Jenis Pembiayaan Berdasarkan Mata Uang
Based on Financing Type Based on Currency
Yen Jepang
Dolar AS Japanese Yen
US Dollar 3.27%
5.60%
30.26%
Piutang Sewa
Pembiayaan – Netto
Finance Lease
Receivables – Nett
91.13%
Rupiah
69.74%
Piutang Pembiayaan
Konsumen – Netto
Consumer Financing
Receivables – Nett
*Per (As of) 30 September 2025
Total Outstanding Piutang Pembiayaan
(Total Outstanding Financing Receivables)
Rp 2,775.65 Miliar (Billion)
Private and confidential | 24
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Fasilitas Pendanaan*) / Funding Facility*)
Profil Pendanaan
Funding Profile
Lain-Lain / Others < 2% Total Outstanding Pendanaan
7.28% Total Outstanding Funding
Hachijuni Bank, Ltd., Singapore Rp 2,195.96 Miliar (Billion)
5.66%
* Per (As of) 30 September 2025
Deutsche Bank AG Jakarta
6.97%
Seluruh fasilitas dijamin dengan jaminan
PT Bank SMBC Indonesia Tbk Perusahaan dari Mizuho Leasing Co., Ltd.
5.46% All facilities are guaranteed by the corporate
guarantee from Mizuho Leasing Co., Ltd.
Lain-Lain / Others
PT Bank Resona Perdania– 4.55%
SMTB – Singapore 1.45%
Chugoku Bank - Hongkong 1.04%
PT Bank Pan Indonesia Tbk 0.23%
74.63%
PT Bank Mizuho Indonesia
Private and confidential | 25
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Profil Karyawan* / Employee Profile*
*Per (As of) 30 September 2025
Berdasarkan Jenis Kelamin Berdasarkan Usia Jumlah Karyawan / Total Employee
Based on Gender Based on Age 741 Karyawan (Employees)
14.57%
Usia/Age >45 Usia/Age 18-25
20.38% 9.45%
Perempuan / Female
35.22%
Usia/Age 36-45
Usia/Age 26-35
40.76%
79.62%
Berdasarkan Pendidikan
Laki-Laki / Male Berdasarkan Status Karyawan
Based on Education
Based on Employment Status
0.94% S2 / Master
Kontrak / Contract
14.57%
23.48%
SMA / Highschool
12.01%
63.56%
Diploma
S1 / Bachelor
Permanen / Permanent
85.43%
Private and confidential | 26
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Thank You
PT Mizuho Leasing Indonesia Tbk
Menara Astra 32nd floor
Jl. Jend. Sudirman Kav. 5-6
Jakarta 10220
P: +62-21 5085.1848
F: +62-21 5085.1849
W: www.mizuho-ls.co.id
2025 Copyrights all reserved PT Mizuho Leasing Indonesia Tbk
Private andand
Licensed confidential
supervised by Otoritas Jasa Keuangan
Names mentioned 16 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Pusat Statistik
p.4
unresolved
org
Kementerian Koordinator Bidang Perekonomian Republik Indonesia
p.4
unresolved
org
PT IBJ Verena Finance
p.7 ×2
unresolved
person
YASUO
· Komisaris Utama
p.15
unresolved
person
KENJIRO
· Direktur
p.16
unresolved
org
PT Bank Resona Perdania
p.25
unresolved
org
PT Bank Mizuho Indonesia Private
p.25
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