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Financial statement Text extracted HDFA

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Nomor Surat                      152/FAC/OJK/VII/2026
Nama Emiten                      Radana Bhaskara Finance Tbk
Kode Emiten                      HDFA
Perihal                          Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit



Perseroan dengan ini menyampaikan laporan keuangan untuk periode 6 Bulan yang berakhir pada 30/06/2026 dengan ikhtisar sebagai berikut :



Informasi mengenai anak perusahaan Perseroan sebagai berikut :




Dokumen ini merupakan dokumen resmi Radana Bhaskara Finance Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.

                     Radana Bhaskara Finance Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.

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[1000000] General information


Informasi umum                                                                General information
                                                30 June 2026
Informasi umum                                                                           General information
   Nama entitas                       Radana Bhaskara Finance Tbk                              Entity name
   Penjelasan perubahan nama                                                     Explanation of change in
   dari akhir periode laporan                                                   name from the end of the
   sebelumnya                                                                  preceding reporting period
   Kode entitas                                  HDFA                                           Entity code
   Nomor identifikasi entitas                    AA578                        Entity identification number
   Industri utama entitas                 Pembiayaan / Financing                       Entity main industry
   Standar akutansi yang dipilih                 PSAK                                 Selected accounting
                                                                                                  standards
  Sektor                                      G. Financials                                           Sector
  Subsektor                               G2. Financing Service                                   Subsector
  Industri                              G21. Consumer Financing                                     Industry
  Subindustri                           G211. Consumer Financing                               Subindustry
  Informasi pemegang saham                 Foreign Corporation                    Controlling shareholder
  pengendali                                                                                    information
  Jenis entitas                    Local Company - Indonesia Jurisdiction                     Type of entity
  Jenis efek yang dicatatkan                 Saham / Stock                        Type of listed securities
  Jenis papan perdagangan             Pengembangan / Development              Type of board on which the
  tempat entitas tercatat                                                                     entity is listed
  Apakah merupakan laporan             Entitas tunggal / Single entity              Whether the financial
  keuangan satu entitas atau                                                         statements are of an
  suatu kelompok entitas                                                    individual entity or a group of
                                                                                                      entities
  Periode penyampaian                    Kuartal II / Second Quarter                    Period of financial
  laporan keuangan                                                               statements submissions
  Tanggal Surat Pernyataan                     July 29, 2026                  Date Of Board Of Directors'
  Direksi                                                                                Statement Letter
  Tanggal awal periode                       January 01, 2026                    Current period start date
  berjalan
  Tanggal akhir periode                        June 30, 2026                     Current period end date
  berjalan
  Tanggal akhir tahun                       December 31, 2025                         Prior year end date
  sebelumnya
  Tanggal awal periode                       January 01, 2025                      Prior period start date
  sebelumnya
  Tanggal akhir periode                        June 30, 2025                        Prior period end date
  sebelumnya
  Tanggal akhir 2 tahun                     December 31, 2024                       Prior 2 year end date
  sebelumnya
  Mata uang pelaporan                           Rupiah / IDR                 Description of presentation
                                                                                                   currency
  Kurs konversi pada tanggal                                                Conversion rate at reporting
  pelaporan jika mata uang                                                  date if presentation currency
  penyajian selain rupiah                                                              is other than rupiah
  Pembulatan yang digunakan                Ribuan / In Thousand                Level of rounding used in
  dalam penyajian jumlah                                                              financial statements
  dalam laporan keuangan
  Jenis laporan atas laporan               Tidak Diaudit / Unaudit            Type of report on financial
  keuangan                                                                                   statements
  Jenis opini auditor                                                          Type of auditor's opinion
  Hal yang diungkapkan dalam                                                       Matters disclosed in

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paragraf pendapat untuk                          emphasis-of-matter or
penekanan atas suatu                          other-matter paragraph, if
masalah atau paragraf                                              any
penjelasan lainnya, jika ada
Hasil penugasan review                    Result of review engagement
Opini Hal Audit Utama                            Any Key Audit Matters
                                                                Opinion
Jumlah Hal Audit Utama                         Total Key Audit Matters
Paragraf Hal Audit Utama                  Key Audit Matters Paragraph
Tanggal laporan audit atau                  Date of auditor's opinion or
hasil laporan review                             result of review report
Auditor tahun berjalan                             Current year auditor
Nama partner audit tahun                    Name of current year audit
berjalan                                                 signing partner
Lama tahun penugasan                       Number of years served as
partner yang                                       audit signing partner
menandatangani
Auditor tahun sebelumnya                               Prior year auditor
Nama partner audit tahun                       Name of prior year audit
sebelumnya                                                signing partner
Kepatuhan terhadap             Ya / Yes     Whether in compliance with
pemenuhan peraturan OJK                                    OJK rules No.
Nomor: 75/POJK.04/2017                    75/POJK.04/2017 concerning
tentang Tanggung Jawab                       responsibilities of board of
Direksi Atas Laporan                               directors on financial
Keuangan                                                      statements
Kepatuhan terhadap             Ya / Yes               Compliance to the
pemenuhan independensi                     independency of Accountant
akuntan yang memberikan                          that provide services in
jasa audit di pasar modal                   Capital Market as regulated
sesuai dengan POJK Nomor                                in OJK rules No.
13/POJK.03/2017 tentang                   13/POJK.03/2017 concerning
Penggunaan Jasa Akuntan                                The Use of Public
Publik dalam Kegiatan Jasa                     Accountant and Auditing
Keuangan                                      Firm in Financial Services
                                                                Activities.

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[8220000] Statement of financial position presented using order of liquidity -
Financing Industry


Laporan posisi keuangan                                       Statement of financial position
                                  30 June 2026       31 December 2025
Laporan posisi keuangan                                                       Statement of financial position
  Aset                                                                                               Assets
     Kas dan setara kas                     5,013                4,492        Cash and cash equivalents
     Giro pada Bank Indonesia                   0                    0       Current accounts with Bank
                                                                                               Indonesia
     Giro pada bank lain                                                         Current accounts with
                                                                                            other banks
        Giro pada bank lain           56,101,280          149,282,128          Current accounts with
        pihak ketiga                                                         other banks third parties
        Giro pada bank lain                      0                      0      Current accounts with
        pihak berelasi                                                            other banks related
                                                                                               parties
     Penempatan pada Bank                                                        Placements with Bank
     Indonesia dan bank lain                                                Indonesia and other banks
         Penempatan pada                         0                      0      Placements with Bank
         Bank Indonesia dan                                                      Indonesia and other
         bank lain pihak ketiga                                                    banks third parties
         Penempatan pada                         0                      0      Placements with Bank
         Bank Indonesia dan                                                      Indonesia and other
         bank lain pihak                                                        banks related parties
         berelasi
     Aset keuangan yang                          0                      0 Financial assets at fair value
     diukur pada nilai wajar                                                      through profit or loss
     melalui laba rugi
     Piutang asuransi                            0                      0          Insurance receivables
     Biaya akuisisi tangguhan                    0                      0     Deferred acquisition costs
     Efek yang dibeli dengan                     0                      0    Securities purchased under
     janji dijual kembali                                                            agreement to resale
     Wesel ekspor dan tagihan                    0                      0     Bills and other receivables
     lainnya
     Tagihan akseptasi                           0                      0          Acceptance receivables
     Piutang murabahah                                                            Murabahah receivables
         Piutang murabahah             7,918,999           10,232,359          Murabahah receivables
         pihak ketiga                                                                         third parties
         Piutang murabahah                       0                      0      Murabahah receivables
         pihak berelasi                                                                    related parties
     Piutang istishna                                                                 Istishna receivables
         Piutang istishna pihak                  0                      0    Istishna receivables third
         ketiga                                                                                     parties
         Piutang istishna pihak                  0                      0           Istishna receivables
         berelasi                                                                          related parties
     Piutang ijarah                                                                      Ijarah receivables
         Piutang ijarah pihak         20,144,547           14,436,954           Ijarah receivables third
         ketiga                                                                                     parties
         Piutang ijarah pihak                    0                      0   Ijarah receivables related
         berelasi                                                                                   parties
     Piutang pembiayaan                                                               Consumer financing
     konsumen                                                                                     receivables
         Piutang pembiayaan          568,307,744          570,037,868              Consumer financing
         konsumen pihak                                                       receivables third parties
         ketiga

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   Piutang pembiayaan                  0               0       Consumer financing
   konsumen pihak                                               receivables related
   berelasi                                                                   parties
Investasi sewa                                                     Lease investments
   Investasi sewa pihak                0               0    Lease investments third
   ketiga                                                                     parties
   Investasi sewa pihak                0               0        Lease investments
   berelasi                                                          related parties
   Investasi sewa nilai                0               0        Lease investments
   residu yang terjamin                                        guaranteed residual
                                                                               value
   Investasi sewa                      0               0        Lease investments
   pendapatan                                                    deferred financing
   pembiayaan                                                                income
   tangguhan
   Investasi sewa                      0               0         Lease investments
   simpanan jaminan                                              guarantee deposits
   Investasi sewa           1,278,415,765   1,521,115,443       Lease investment in
   pembiayaan                                                        finance leases
Pinjaman yang                                                                   Loans
diberikan
   Pinjaman yang                       0               0         Loans third parties
   diberikan pihak ketiga
   Pinjaman yang                       0               0       Loans related parties
   diberikan pihak
   berelasi
   Cadangan kerugian                 (0)             ( 0 ) Allowance for impairment
   penurunan nilai pada                                            losses for loans
   pinjaman yang
   diberikan
Pinjaman qardh                                                         Qardh funds
   Pinjaman qardh pihak                0               0 Qardh funds third parties
   ketiga
   Pinjaman qardh pihak                0               0       Qardh funds related
   berelasi                                                                parties
Pembiayaan                                                     Mudharabah financing
mudharabah
   Pembiayaan                          0               0      Mudharabah financing
   mudharabah pihak                                                   third parties
   ketiga
   Pembiayaan                          0               0      Mudharabah financing
   mudharabah pihak                                                 related parties
   berelasi
Pembiayaan                                                     Musyarakah financing
musyarakah
   Pembiayaan                          0               0      Musyarakah financing
   musyarakah pihak                                                   third parties
   ketiga
   Pembiayaan                          0               0      Musyarakah financing
   musyarakah pihak                                                 related parties
   berelasi
Tagihan anjak piutang                                           Factoring receivables
   Tagihan anjak piutang     681,743,134     790,237,719      Factoring receivables
   pihak ketiga                                                          third parties
   Tagihan anjak piutang               0               0      Factoring receivables
   pihak berelasi                                                     related parties
   Tagihan anjak piutang               0               0    Factoring receivables on
   pada pendapatan                                                 deferred factoring
   anjak piutang                                                              income
   tangguhan

Page 6
   Piutang dari pihak                      0               0     Receivables from related
   berelasi                                                                        parties
   Piutang lainnya               269,080,848     169,580,697            Other receivables
   Aset tidak lancar atau                  0               0       Non-current assets or
   kelompok lepasan                                          disposal groups classified as
   diklasifikasikan sebagai                                                  held-for-sale
   dimiliki untuk dijual
   Aset tidak lancar atau                  0               0          Non-current assets or
   kelompok lepasan                                             disposal groups classified as
   diklasifikasikan sebagai                                           held-for-distribution to
   dimiliki untuk                                                                     owners
   didistribusikan kepada
   pemilik
   Biaya dibayar dimuka           69,494,521      72,374,118               Prepaid expenses
   Jaminan                                 0               0                     Guarantees
   Pajak dibayar dimuka              125,502         123,667                   Prepaid taxes
   Klaim atas pengembalian                 0               0            Claims for tax refund
   pajak
   Aset keuangan nilai wajar               0               0       Financial assets fair value
   melalui pendapatan                                                           through other
   komprehensif lainnya                                               comprehensive income
   Aset keuangan biaya                     0               0      Financial assets amortized
   perolehan diamortisasi                                                                 cost
   Aset keuangan lainnya                   0               0           Other financial assets
   Tagihan derivatif                       0               0           Derivative receivables
   Investasi yang dicatat                  0               0      Investments accounted for
   dengan menggunakan                                                   using equity method
   metode ekuitas
   Investasi pada ventura                                             Investments in joint
   bersama dan entitas                                            ventures and associates
   asosiasi
       Investasi pada entitas              0               0          Investments in joint
       ventura bersama                                                            ventures
       Investasi pada entitas              0               0               Investments in
       asosiasi                                                                associates
   Aset pajak tangguhan           21,485,055      21,410,603             Deferred tax assets
   Aset reasuransi                         0               0             Reinsurance assets
   Aset takberwujud selain                 0               0     Intangible assets other than
   goodwill                                                                           goodwill
   Goodwill                                0               0                          Goodwill
   Properti investasi                      0               0           Investment properties
   Aset ijarah                             0               0                    Ijarah assets
   Aset sewa operasi                       0               0          Operating lease assets
   Aset tetap                      5,505,856       6,935,884             Property, plant, and
                                                                                   equipment
   Aset hak guna                   13,212,550      14,899,258             Right of use assets
   Agunan yang diambil alih                 0               0              Foreclosed assets
   Aset lainnya                     1,363,413      48,357,673                   Other assets
   Jumlah aset                  2,992,904,227   3,389,028,863                   Total assets
Liabilitas dan ekuitas                                                    Liabilities and equity
   Liabilitas                                                                       Liabilities
       Liabilitas segera                   0               0              Obligations due
                                                                              immediately
      Efek yang dijual                     0               0          Securities sold with
      dengan janji untuk                                           repurchase agreement
      dibeli kembali
      Liabilitas derivatif                 0               0         Derivative payables
      Utang asuransi                 821,720         821,720         Insurance payables

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  Utang bunga                          0               0           Interest payables
  Utang penjaminan                     0               0         Guarantee payables
  Utang usaha                          0               0           Accounts payable
  Uang muka dan                        0               0              Advances and
  angsuran                                                               installments
  Utang dealer                16,974,462          24,498            Dealer payables
  Utang dividen                        0               0          Dividends payable
  Pinjaman yang                                                         Borrowings
  diterima
      Pinjaman yang         2,399,884,951   2,821,519,136        Borrowings third
      diterima pihak                                                      parties
      ketiga
      Pinjaman yang                    0               0      Borrowings related
      diterima pihak                                                     parties
      berelasi
  Utang pihak berelasi                 0               0       Due to related parties
  Utang pemegang                       0               0        Due to stockholders
  saham
  Liabilitas kontrak                   0               0          Insurance contract
  asuransi                                                                  liabilities
  Kewajiban imbalan            2,742,472       2,742,472    Post-employment benefit
  pasca kerja                                                            obligations
  Provisi                              0               0                  Provisions
  Liabilitas atas kontrak              0               0           Contract liabilities
  Pendapatan                           0               0            Deferred income
  ditangguhkan
  Wesel bayar                          0               0            Notes payable
  Efek yang diterbitkan                                          Securities issued
      Utang obligasi                   0               0         Bonds payable
      Sukuk                            0               0                  Sukuk
      Surat utang jangka               0               0      Medium term notes
      menengah
      Obligasi                         0               0     Subordinated bonds
      subordinasi
      Efek yang                        0               0        Others securities
      diterbitkan lainnya                                                 issued
  Liabilitas sewa             13,309,087      14,657,382     Finance lease liabilities
  pembiayaan
  Liabilitas keuangan                  0               0     Other financial liabilities
  lainnya
  Beban akrual                13,557,253      12,968,640         Accrued expenses
  Utang pajak                  1,409,678         403,773             Taxes payable
  Liabilitas pajak                     0               0       Deferred tax liabilities
  tangguhan
  Liabilitas lainnya           51,633,852      44,849,597            Other liabilities
  Sukuk mudharabah                      0               0       Mudharabah sukuk
  Utang bank                            0               0                Bank loans
  Pinjaman subordinasi                  0               0       Subordinated loans
  Jumlah liabilitas         2,500,333,475   2,897,987,218           Total liabilities
Ekuitas                                                                           Equity
  Ekuitas yang                                                Equity attributable to
  diatribusikan kepada                                            equity owners of
  pemilik entitas induk                                               parent entity
      Saham biasa            654,244,579     654,244,579        Common stocks
      Saham preferen                   0               0        Preferred stocks
      Tambahan modal         335,487,439     335,487,439       Additional paid-in
      disetor                                                              capital
      Saham treasuri                 (0)             (0)        Treasury stocks

Page 8
   Uang muka                           0                 0     Advances in capital
   setoran modal                                                              stock
   Opsi saham                          0                 0          Stock options
   Penjabaran                          0                 0              Translation
   laporan keuangan                                                     adjustment
   Cadangan                            0                 0    Revaluation reserves
   revaluasi
   Cadangan selisih                    0                 0    Reserve of exchange
   kurs penjabaran                                                    differences on
                                                                           translation
   Cadangan                            0                 0    Reserve for changes
   perubahan nilai                                               in fair value of fair
   wajar aset                                                  value through other
   keuangan nilai                                                   comprehensive
   wajar melalui                                                   income financial
   pendapatan                                                                  assets
   komprehensif
   lainnya
   Cadangan                            0                 0        Reserve of gains
   keuntungan                                                        (losses) from
   (kerugian) investasi                                       investments in equity
   pada instrumen                                                      instruments
   ekuitas
   Cadangan                            0                 0               Reserve of
   pembayaran                                                          share-based
   berbasis saham                                                         payments
   Cadangan lindung                    0                 0     Reserve of cash flow
   nilai arus kas                                                           hedges
   Cadangan                 ( 2,685,095 )     ( 2,685,095 )              Reserve of
   pengukuran                                                   remeasurements of
   kembali program                                             defined benefit plans
   imbalan pasti
   Cadangan lainnya                    0                 0           Other reserves
   Selisih Transaksi                   0                 0       Difference Due to
   Perubahan Ekuitas                                           Changes of Equity in
   Entitas                                                    Subsidiary/Associates
   Anak/Asosiasi
   Komponen ekuitas                    0                 0    Other components of
   lainnya                                                                 equity
   Saldo laba                                                  Retained earnings
   (akumulasi                                                            (deficit)
   kerugian)
       Saldo laba                                                 Appropriated
       yang telah                                                     retained
       ditentukan                                                    earnings
       penggunaanya
           Cadangan            9,600,000         9,600,000       General and
           umum dan                                            legal reserves
           wajib
           Cadangan                    0                 0            Specific
           khusus                                                    reserves
       Saldo laba         ( 504,076,171 )   ( 505,605,278 )      Unappropriated
       yang belum                                              retained earnings
       ditentukan
       penggunaannya
   Jumlah ekuitas           492,570,752       491,041,645              Total equity
   yang                                                             attributable to
   diatribusikan                                                  equity owners of
   kepada pemilik                                                     parent entity
   entitas induk
Proforma ekuitas                       0                 0             Proforma equity

Page 9
   Kepentingan                     0               0    Non-controlling interests
   non-pengendali
   Jumlah ekuitas         492,570,752     491,041,645                Total equity
Jumlah liabilitas dan   2,992,904,227   3,389,028,863   Total liabilities and equity
ekuitas

Page 10
[8312000] Statement of profit or loss and other comprehensive income, OCI
components presented net of tax, by nature - Financing Industry


Laporan laba rugi dan penghasilan                    Statement of profit or loss and other
komprehensif lain                                                comprehensive income
                                30 June 2026           30 June 2025
Laporan laba rugi dan                                                          Statement of profit or loss
penghasilan komprehensif                                                        and other comprehensive
lain                                                                                               income
   Pendapatan                                                                                    Income
     Pendapatan bunga dan               385,729              1,088,863           Interest and finance
     keuangan                                                                                 income
     Pendapatan dari                             0                      0     Income from guarantee
     penjaminan
     Pendapatan dari                    827,776                433,047       Income from murabahah
     murabahah dan istishna                                                              and istishna
     Pendapatan dari bagi                        0                      0       Income from revenue
     hasil                                                                                    sharing
     Pendapatan dari ijarah           1,700,367                901,477             Income from ijarah
     Pendapatan dari                                                              Financing income
     pembiayaan
        Pendapatan dari              42,580,462             35,652,110              Income from
        pembiayaan                                                            consumer financing
        konsumen
        Pendapatan dari sewa         95,457,999             82,752,959        Income from finance
        pembiayaan                                                                           lease
        Pendapatan dari anjak        34,779,320             58,234,741      Income from factoring
        piutang
     Pendapatan dari sewa                        0                      0    Income from operating
     operasi                                                                                  lease
     Premi penjaminan                            0                      0      Guarantee premiums
     Pendapatan asuransi                                                         Insurance income
        Pendapatan dari                          0                      0           Income from
        premi asuransi                                                      insurance premiums
        Premi reasuransi                       (0)                    (0)           Reinsurance
                                                                                       premiums
        Premi retrosesi                        (0)                    (0)           Retrocession
                                                                                       premiums
         Penurunan (kenaikan)                    0                      0 Decrease (increase) in
         premi yang belum                                                   unearned premiums
         merupakan
         pendapatan
         Penurunan (kenaikan)                  (0)                    ( 0 ) Decrease (increase) in
         pendapatan premi                                                        premium income
         disesikan kepada                                                    ceded to reinsurancer
         reasuradur
         Pendapatan komisi                       0                      0 Insurance commission
         asuransi                                                                        income
         Penerimaan ujrah                        0                      0         Ujrah received
     Keuntungan (kerugian)                       0                      0    Realised gains (losses)
     atas perdagangan aset                                                    on trading of financial
     keuangan yang telah                                                                       assets
     direalisasi
     Keuntungan (kerugian)                       0                      0   Unrealised gains (losses)
     atas perdagangan aset                                                     on trading of financial
     keuangan yang belum                                                                        assets
     direalisasi

Page 11
   Pendapatan administrasi              727,350          892,135        Administration income
   Pendapatan dari provisi            6,627,102       10,031,863       Income from provisions
   dan komisi                                                                and commissions
   Pendapatan dividen                         0                 0           Dividends income
   Keuntungan (kerugian)                      0                 0      Realised gains (losses)
   yang telah direalisasi atas                                                 from derivative
   instrumen derivatif                                                             instruments
   Penerimaan kembali aset          14,820,346         5,189,036      Income from recovery of
   yang telah                                                                written off assets
   dihapusbukukan
   Keuntungan (kerugian)             ( 272,394 )       2,082,723             Gains (losses) on
   selisih kurs mata uang                                                  changes in foreign
   asing                                                                       exchange rates
   Keuntungan (kerugian)                      0        ( 206,106 )           Gains (losses) on
   pelepasan aset tetap                                               disposal of property and
                                                                                     equipment
  Keuntungan (kerugian)                       0                 0            Gains (losses) on
  pelepasan agunan yang                                                 disposal of foreclosed
  diambil alih                                                                           assets
  Keuntungan (kerugian)                       0                 0            Gains (losses) on
  pelepasan aset ijarah                                               disposal of ijarah assets
  Pemulihan penyisihan                        0                 0     Recovery of impairment
  kerugian penurunan nilai                                                               losses
  Bagian atas laba (rugi)                     0                 0      Share of profit (loss) of
  entitas asosiasi yang                                              associates accounted for
  dicatat dengan                                                          using equity method
  menggunakan metode
  ekuitas
  Bagian atas laba (rugi)                     0                 0       Share of profit (loss) of
  entitas ventura bersama                                             joint ventures accounted
  yang dicatat                                                         for using equity method
  menggunakan metode
  ekuitas
  Pendapatan lainnya                  5,380,898        5,078,562               Other income
  Keuntungan lainnya                          0                0                  Other gains
Beban                                                                                 Expenses
  Beban bunga dan                ( 127,916,701 )   ( 132,589,068 ) Interest and finance costs
  keuangan
  Beban bagi hasil                          (0)              (0)               Revenue sharing
                                                                                          expenses
   Beban asuransi                                                         Insurance expenses
     Beban klaim                            (0)              (0)             Claim expenses
     Klaim reasuransi                         0                0        Reinsurance claims
     Klaim retrosesi                          0                0       Retrocession claims
     Kenaikan (penurunan)                   (0)              (0)     Increase (decrease) in
     estimasi liabilitas                                                    estimated claims
     klaim                                                                               liability
     Kenaikan (penurunan)                   (0)              (0)     Increase (decrease) in
     liabilitas manfaat polis                                               liability for future
     masa depan                                                                 policy benefit
     Kenaikan (penurunan)                   (0)              (0)     Increase (decrease) in
     provisi yang timbul                                                provision for losses
     dari tes kecukupan                                                 arising from liability
     liabilitas                                                                adequacy test
     Kenaikan (penurunan)                     0                 0    Increase (decrease) in
     liabilitas asuransi yang                                            insurance liabilities
     disesikan kepada                                                   ceded to reinsurers
     reasuradur
     Kenaikan (penurunan)                   (0)              ( 0 ) Increase (decrease) in
     liabilitas pemegang                                                      liabilities to

Page 12
      polis pada kontrak                                                        policyholder in
      unit-linked                                                       unit-linked contracts
      Beban komisi asuransi                (0)               (0)     Insurance commission
                                                                                      expenses
       Beban underwriting                  (0)               (0)           Other underwriting
       lainnya                                                                        expenses
       Ujrah dibayar                       (0)               (0)                     Ujrah paid
       Beban akuisisi dari                 (0)               (0)          Acquisition costs of
       kontrak asuransi                                                  insurance contracts
   Pembentukan penyisihan            8,250,000      ( 2,260,667 )      Provision for impairment
   kerugian penurunan nilai                                                                   losses
   Beban penjualan                     ( 2,832 )         ( 1,387 )               Selling expenses
   Beban gaji dan tunjangan      ( 28,960,973 )    ( 26,897,588 )           Salary and employee
   karyawan                                                                    benefit (expenses)
   Beban umum dan                ( 48,826,470 )    ( 32,495,157 )                      General and
   administrasi                                                        administrative expenses
   Beban penyusutan               ( 3,148,612 )     ( 3,522,390 )                 Depreciation of
   properti investasi, aset                                                  investment property,
   sewa, aset tetap, aset                                                 lease assets, property
   yang diambil alih dan aset                                                     and equipment,
   ijarah                                                                  foreclosed assets and
                                                                                      ijarah assets
    Beban lainnya                   ( 954,713 )       ( 128,243 )                 Other expenses
    Kerugian lainnya                       (0)               (0)                      Other losses
Jumlah laba (rugi) sebelum           1,454,654         4,236,910          Total profit (loss) before
pajak penghasilan                                                                                     tax
Pendapatan (beban) pajak                74,453      ( 2,061,110 )             Tax benefit (expenses)
Jumlah laba (rugi) dari              1,529,107         2,175,800            Total profit (loss) from
operasi yang dilanjutkan                                                     continuing operations
Laba (rugi) dari operasi yang                 0                 0                     Profit (loss) from
dihentikan                                                                   discontinued operations
Jumlah laba (rugi)                   1,529,107         2,175,800                  Total profit (loss)
Pendapatan komprehensif                                                       Other comprehensive
lainnya, setelah pajak                                                              income, after tax
    Pendapatan                                                          Other comprehensive
    komprehensif lainnya                                               income that will not be
    yang tidak akan                                                    reclassified to profit or
    direklasifikasi ke laba                                                         loss, after tax
    rugi, setelah pajak
       Pendapatan                             0                 0      Other comprehensive
       komprehensif lainnya                                                income for gains
       atas keuntungan                                               (losses) on revaluation
       (kerugian) hasil                                                      of property and
       revaluasi aset tetap,                                            equipment, after tax
       setelah pajak
       Pendapatan                             0       ( 338,990 )     Other comprehensive
       komprehensif lainnya                                                       income for
       atas pengukuran                                                   remeasurement of
       kembali kewajiban                                                     defined benefit
       manfaat pasti, setelah                                           obligation, after tax
       pajak
       Penyesuaian lainnya                    0                 0      Other adjustments to
       atas pendapatan                                                 other comprehensive
       komprehensif lainnya                                          income that will not be
       yang tidak akan                                                reclassified to profit or
       direklasifikasi ke laba                                                  loss, after tax
       rugi, setelah pajak
       Jumlah pendapatan                      0       ( 338,990 )             Total other
       komprehensif                                                       comprehensive
       lainnya yang tidak                                             income that will not

Page 13
   akan direklasifikasi                      be reclassified to
   ke laba rugi, setelah                    profit or loss, after
   pajak                                                      tax
Pendapatan                                  Other comprehensive
komprehensif lainnya                          income that may be
yang akan                                  reclassified to profit or
direklasifikasi ke laba                              loss, after tax
rugi, setelah pajak
   Keuntungan                   0     0      Gains (losses) on
   (kerugian) selisih kurs                exchange differences
   penjabaran, setelah                      on translation, after
   pajak                                                      tax
   Penyesuaian                (0)   (0)          Reclassification
   reklasifikasi selisih                         adjustments on
   kurs penjabaran,                       exchange differences
   setelah pajak                            on translation, after
                                                              tax
   Keuntungan                   0     0        Unrealised gains
   (kerugian) yang belum                (losses) on changes in
   direalisasi atas                           fair value through
   perubahan nilai wajar                  other comprehensive
   aset keuangan melalui                        income financial
   penghasilan                                  assets, after tax
   komprehensif lain,
   setelah pajak
   Penyesuaian                (0)   (0)          Reclassification
   reklasifikasi atas aset                   adjustments on fair
   keuangan nilai wajar                      value through other
   melalui pendapatan                             comprehensive
   komprehensif lainnya,                        income financial
   setelah pajak                                 assets, after tax
   Keuntungan                   0     0        Gains (losses) on
   (kerugian) lindung nilai                   cash flow hedges,
   arus kas, setelah                                     after tax
   pajak
   Penyesuaian                (0)   (0)         Reclassification
   reklasifikasi atas                      adjustments on cash
   lindung nilai arus kas,                flow hedges, after tax
   setelah pajak
   Nilai tercatat dari aset     0     0      Carrying amount of
   (liabilitas)                               non-financial asset
   non-keuangan yang                             (liability) whose
   perolehan atau                                   acquisition or
   keterjadiannya                                incurrence was
   merupakan suatu                             hedged on highly
   prakiraan transaksi                         probable forecast
   yang kemungkinan                        transaction, adjusted
   besar terjadi yang                      from equity, after tax
   dilindung nilai, setelah
   pajak
   Keuntungan                   0     0       Gains (losses) on
   (kerugian) lindung nilai                       hedges of net
   investasi bersih                       investments in foreign
   kegiatan usaha luar                      operations, after tax
   negeri, setelah pajak
   Penyesuaian                (0)   (0)         Reclassification
   reklasifikasi atas                           adjustments on
   lindung nilai investasi                        hedges of net
   bersih kegiatan usaha                  investments in foreign
   luar negeri, setelah                     operations, after tax
   pajak
   Bagian pendapatan            0     0           Share of other
   komprehensif lainnya                          comprehensive

Page 14
       dari entitas asosiasi                                income of associates
       yang dicatat dengan                                    accounted for using
       menggunakan metode                                    equity method, after
       ekuitas, setelah pajak                                                  tax
       Bagian pendapatan                0             0            Share of other
       komprehensif lainnya                                       comprehensive
       dari entitas ventura                                        income of joint
       bersama yang dicatat                                   ventures accounted
       dengan menggunakan                                         for using equity
       metode ekuitas,                                          method, after tax
       setelah pajak
       Penyesuaian lainnya              0             0     Other adjustments to
       atas pendapatan                                      other comprehensive
       komprehensif lainnya                                  income that may be
       yang akan                                           reclassified to profit or
       direklasifikasi ke laba                                       loss, after tax
       rugi, setelah pajak
       Jumlah pendapatan                0             0              Total other
       komprehensif                                             comprehensive
       lainnya yang akan                                    income that may be
       direklasifikasi ke                                  reclassified to profit
       laba rugi, setelah                                      or loss, after tax
       pajak
   Jumlah pendapatan                    0    ( 338,990 )              Total other
   komprehensif lainnya,                               comprehensive income,
   setelah pajak                                                         after tax
Jumlah laba rugi                 1,529,107   1,836,810        Total comprehensive
komprehensif                                                                 income
Laba (rugi) yang dapat                                  Profit (loss) attributable to
diatribusikan
   Laba (rugi) yang dapat        1,529,107   2,175,800 Profit (loss) attributable to
   diatribusikan ke entitas                                           parent entity
   induk
   Laba (rugi) yang dapat               0             0 Profit (loss) attributable to
   diatribusikan ke                                      non-controlling interests
   kepentingan
   non-pengendali
Laba rugi komprehensif                                       Comprehensive income
yang dapat diatribusikan                                                 attributable to
   Laba rugi komprehensif        1,529,107   1,836,810      Comprehensive income
   yang dapat diatribusikan                                    attributable to parent
   ke entitas induk                                                             entity
   Laba rugi komprehensif               0             0     Comprehensive income
   yang dapat diatribusikan                                            attributable to
   ke kepentingan                                           non-controlling interests
   non-pengendali
Laba (rugi) per saham                                    Earnings (loss) per share
   Laba per saham dasar                                      Basic earnings per
   diatribusikan kepada                                    share attributable to
   pemilik entitas induk                                   equity owners of the
                                                                    parent entity
      Laba (rugi) per saham       0.00023      0.00046 Basic earnings (loss)
      dasar dari operasi                                       per share from
      yang dilanjutkan                                  continuing operations
      Laba (rugi) per saham             0            0 Basic earnings (loss)
      dasar dari operasi                                       per share from
      yang dihentikan                                            discontinued
                                                                   operations
   Laba (rugi) per saham                                Diluted earnings (loss)
   dilusian                                                            per share
       Laba (rugi) per saham            0            0 Diluted earnings (loss)

Page 15
dilusian dari operasi                 per share from
yang dilanjutkan               continuing operations
Laba (rugi) per saham   0   0 Diluted earnings (loss)
dilusian dari operasi                 per share from
yang dihentikan                         discontinued
                                          operations

Page 16
[8410000] Statement of changes in equity - Financing Industry


Laporan perubahan ekuitas                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               Statement of changes in equity
                                                                                                                                                                                     Reserve of exchange      Reserve for changes in fair value of fair value        Reserve of gains (losses) from         Reserve of          Reserve of                Reserve of                    Difference Due to Changes of                      Difference in value of equity       Other transactions with   Other components
                                                                             Common        Preferred   Additional    Treasury Advances in Stock      Translation       Revaluation                                                                                                                                                                                             Other                                    Other equity                                                                                              Appropriated retained                    Appropriated retained          Unappropriated retained   Equity attributable to       Proforma Non-controlling
                                                                                                                                                                                        differences on       through other comprehensive income financial                investments in equity             share-based           cash flow            remeasurements of                           Equity in                            transactions with non-controlling         non-controlling             of equity                                                                                                                                                                       Equity
                                                                              stocks        stocks   paid-in capital stocks capital stock options    adjustment         reserves                                                                                                                                                                                             reserves                                    interests                                                                                          earnings-general and legal reserves          earnings-specific reserves             earnings               parent entity              equity    interests
                                                                                                                                                                                          translation                              assets                                    instruments                     payments             hedges             defined benefit plans                  Subsidiary/Associates                                  interests                          interests            transactions
                                                                                                                                 Uang muka           Penjabaran                                              Cadangan perubahan nilai wajar aset keuangan                                                    Cadangan            Cadangan           Cadangan pengukuran                                                 Kepentingan                                                                         Komponen          Saldo laba yang telah ditentukan        Saldo laba yang telah ditentukan    Saldo laba yang belum      Ekuitas yang dapat
                                                                                            Saham      Tambahan        Saham                  Opsi                     Cadangan      Cadangan selisih kurs                                                          Cadangan keuntungan (kerugian)                                                                           Cadangan   Selisih Transaksi Perubahan                    Selisih transaksi ekuitas dengan       Transaksi dengan pihak                                                                                                                                                             Proforma Kepentingan
                                                                           Saham biasa                                            setoran              laporan                                                nilai wajar melalui pendapatan komprehensif                                                  pembayaran          lindung nilai       kembali program imbalan                                                ekuitas                                                                       transaksi ekuitas   penggunaannya-cadangan umum dan              penggunaannya-cadangan                 ditentukan          diatribusikan kepada                                     Ekuitas
                                                                                           preferen   modal disetor   treasuri               saham                     revaluasi         penjabaran                                                                 investasi pada instrumen ekuitas                                                                          lainnya   Ekuitas Entitas Anak/Asosiasi                        pihak non-pengendali             non-pengendali lainnya                                                                                                                                                              ekuitas non-pengendali
                                                                                                                                   modal              keuangan                                                                    lainnya                                                                 berbasis saham          arus kas                   pasti                                                        lainnya                                                                             lainnya                      wajib                                  khusus                     penggunaannya              entitas induk
Laporan perubahan ekuitas [baris komponen]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               Statement of changes in equity [line items]
Posisi ekuitas                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Equity position
Saldo awal periode sebelum penyajian kembali                               654,244,579            0 335,487,439              0           0       0                 0            0                        0                                                      0                                     0                    0                   0             ( 2,685,095 )          0                               0              0                                      0                        0                    0                            9,600,000                                        0         ( 505,605,278 )              491,041,645                0             0 491,041,645    Balance before restatement at beginning of
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   period
Penyesuaian                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Adjustments
Penerapan awal standar akuntansi baru dan revisi                                       0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0 Initial adoption of new and revised accounting
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               standards
Perubahan kebijakan akuntansi secara sukarela                                        0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0        Voluntary changes in accounting policies
Koreksi kesalahan periode lalu                                                       0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                   Correction of prior period errors
Penyesuaian lainnya                                                                  0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                                  Other adjustments
Posisi ekuitas, awal periode                                               654,244,579           0 335,487,439             0            0       0              0               0                        0                                                   0                                    0                     0                  0                  ( 2,685,095 )         0                              0               0                                   0                           0                    0                             9,600,000                                      0           ( 505,605,278 )              491,041,645               0              0 491,041,645          Equity position, beginning of the period
Laba (rugi)                                                                          0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                1,529,107                 1,529,107               0              0   1,529,107                                          Profit (loss)
Pendapatan komprehensif lainnya                                                      0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                      Other comprehensive income
Penjabaran laporan keuangan                                                          0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                             Translation adjustment
Pembentukan cadangan umum                                                            0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                     Allocation for general reserves
Pembentukan cadangan khusus                                                          0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                     Allocation for specific reserves
Distribusi dividen kas                                                             (0)         (0)         (0)           (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                      (0)                       (0)             (0)            (0)         (0)                     Distributions of cash dividends
Distribusi dividen saham                                                           (0)         (0)         (0)           (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                      (0)                       (0)             (0)            (0)         (0)                    Distributions of stock dividends
Penerbitan saham biasa                                                               0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                        Issuance of common stocks
Penerbitan saham preferen                                                            0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                       Issuance of preferred stocks
Biaya emisi efek                                                                   (0)         (0)         (0)           (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                      (0)                       (0)             (0)            (0)         (0)                                Stock issuance costs
Penerbitan instrumen yang dapat dikonversi                                           0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0               Issuance of convertible instruments
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri                         0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0 Increase (decrease) in equity through treasury
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham               0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0            Increase (decrease) in equity through
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   share-based payment transactions
Pelaksanaan instrumen yang dapat dikonversi                                            0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0                Exercise of convertible instruments
Pelaksanaan waran                                                                      0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0                                Exercise of warrants
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas                  0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0            Increase (decrease) in equity through
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      transactions with owner's equity
Setoran modal dari kepentingan non-pengendali                                          0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0          Stock subscription from non-controlling
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                interests
Perubahan kepentingan non-pengendali atas akuisisi entitas anak                        0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0     Changes in non-controlling interests due to
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             acquisition of subsidiaries
Perubahan kepentingan non-pengendali atas pendirian entitas anak                       0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0     Changes in non-controlling interests due to
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         establishment of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan entitas anak                  (0)          (0)            (0)        (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                       (0)                         (0)          (0)            (0)         (0)     Changes in non-controlling interests due to
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                disposal of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan operasi yang                  (0)          (0)            (0)        (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                       (0)                         (0)          (0)            (0)         (0)     Changes in non-controlling interests due to
dihentikan                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       disposal of a discontinued operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian                      (0)          (0)            (0)        (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                       (0)                         (0)          (0)            (0)         (0)     Changes in non-controlling interests due to
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          partial disposal of interests in subsidiaries
pengendalian                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan                     0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0     Changes in non-controlling interests due to
kepentingan non-pengendali                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    other transactions with non-controlling
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                interests
Eliminasi defisit dalam rangka kuasi reorganisasi                                 (0)          (0)            (0)        (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                       (0)                         (0)          (0)            (0)         (0)          Elimination of deficit in connection with
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   quasi-reorganisation
Pelaksanaan opsi saham                                                                 0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0                            Stock options exercised
Dampak penerapan psak no. 70 atas aset pengampunan pajak                               0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0           Impact of psak no. 70 adoption on tax
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         amnesty assets
Saldo penyesuaian dampak penerapan retrospektif atas PSAK                              0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0                Retrospective adjustment of PSAK
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         implementation
Transaksi ekuitas lainnya                                                            0            0           0              0           0       0                 0            0                        0                                                      0                                     0                    0                   0                        0           0                               0              0                                      0                        0                    0                                    0                                        0                      0                         0                0             0           0                           Other equity transactions
Posisi ekuitas, akhir periode                                              654,244,579            0 335,487,439              0           0       0                 0            0                        0                                                      0                                     0                    0                   0             ( 2,685,095 )          0                               0              0                                      0                        0                    0                            9,600,000                                        0         ( 504,076,171 )              492,570,752                0             0 492,570,752                  Equity position, end of the period

Page 17
[8410000] Statement of changes in equity - Financing Industry - Prior Year


Laporan perubahan ekuitas                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               Statement of changes in equity
                                                                                                                                                                                     Reserve of exchange      Reserve for changes in fair value of fair value        Reserve of gains (losses) from         Reserve of          Reserve of                Reserve of                    Difference Due to Changes of                      Difference in value of equity       Other transactions with   Other components
                                                                             Common        Preferred   Additional    Treasury Advances in Stock      Translation       Revaluation                                                                                                                                                                                             Other                                    Other equity                                                                                              Appropriated retained                    Appropriated retained          Unappropriated retained   Equity attributable to       Proforma Non-controlling
                                                                                                                                                                                        differences on       through other comprehensive income financial                investments in equity             share-based           cash flow            remeasurements of                           Equity in                            transactions with non-controlling         non-controlling             of equity                                                                                                                                                                       Equity
                                                                              stocks        stocks   paid-in capital stocks capital stock options    adjustment         reserves                                                                                                                                                                                             reserves                                    interests                                                                                          earnings-general and legal reserves          earnings-specific reserves             earnings               parent entity              equity    interests
                                                                                                                                                                                          translation                              assets                                    instruments                     payments             hedges             defined benefit plans                  Subsidiary/Associates                                  interests                          interests            transactions
                                                                                                                                 Uang muka           Penjabaran                                              Cadangan perubahan nilai wajar aset keuangan                                                    Cadangan            Cadangan           Cadangan pengukuran                                                 Kepentingan                                                                         Komponen          Saldo laba yang telah ditentukan        Saldo laba yang telah ditentukan    Saldo laba yang belum      Ekuitas yang dapat
                                                                                            Saham      Tambahan        Saham                  Opsi                     Cadangan      Cadangan selisih kurs                                                          Cadangan keuntungan (kerugian)                                                                           Cadangan   Selisih Transaksi Perubahan                    Selisih transaksi ekuitas dengan       Transaksi dengan pihak                                                                                                                                                             Proforma Kepentingan
                                                                           Saham biasa                                            setoran              laporan                                                nilai wajar melalui pendapatan komprehensif                                                  pembayaran          lindung nilai       kembali program imbalan                                                ekuitas                                                                       transaksi ekuitas   penggunaannya-cadangan umum dan              penggunaannya-cadangan                 ditentukan          diatribusikan kepada                                     Ekuitas
                                                                                           preferen   modal disetor   treasuri               saham                     revaluasi         penjabaran                                                                 investasi pada instrumen ekuitas                                                                          lainnya   Ekuitas Entitas Anak/Asosiasi                        pihak non-pengendali             non-pengendali lainnya                                                                                                                                                              ekuitas non-pengendali
                                                                                                                                   modal              keuangan                                                                    lainnya                                                                 berbasis saham          arus kas                   pasti                                                        lainnya                                                                             lainnya                      wajib                                  khusus                     penggunaannya              entitas induk
Laporan perubahan ekuitas [baris komponen]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               Statement of changes in equity [line items]
Posisi ekuitas                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Equity position
Saldo awal periode sebelum penyajian kembali                               654,244,579            0 335,487,439              0           0       0                 0            0                        0                                                      0                                     0                    0                   0             ( 2,527,593 )          0                               0              0                                      0                        0                    0                            9,600,000                                        0         ( 424,054,867 )              572,749,558                0             0 572,749,558    Balance before restatement at beginning of
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   period
Penyesuaian                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Adjustments
Penerapan awal standar akuntansi baru dan revisi                                       0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0 Initial adoption of new and revised accounting
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               standards
Perubahan kebijakan akuntansi secara sukarela                                        0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0        Voluntary changes in accounting policies
Koreksi kesalahan periode lalu                                                       0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                   Correction of prior period errors
Penyesuaian lainnya                                                                  0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                                  Other adjustments
Posisi ekuitas, awal periode                                               654,244,579           0 335,487,439             0            0       0              0               0                        0                                                   0                                    0                     0                  0                  ( 2,527,593 )         0                              0               0                                   0                           0                    0                             9,600,000                                      0           ( 424,054,867 )              572,749,558               0              0 572,749,558          Equity position, beginning of the period
Laba (rugi)                                                                          0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                2,175,800                 2,175,800               0              0   2,175,800                                          Profit (loss)
Pendapatan komprehensif lainnya                                                      0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                    ( 338,990 )         0                              0               0                                   0                           0                    0                                     0                                      0                        0                ( 338,990 )              0              0 ( 338,990 )                      Other comprehensive income
Penjabaran laporan keuangan                                                          0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                             Translation adjustment
Pembentukan cadangan umum                                                            0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                     Allocation for general reserves
Pembentukan cadangan khusus                                                          0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                     Allocation for specific reserves
Distribusi dividen kas                                                             (0)         (0)         (0)           (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                      (0)                       (0)             (0)            (0)         (0)                     Distributions of cash dividends
Distribusi dividen saham                                                           (0)         (0)         (0)           (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                      (0)                       (0)             (0)            (0)         (0)                    Distributions of stock dividends
Penerbitan saham biasa                                                               0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                        Issuance of common stocks
Penerbitan saham preferen                                                            0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0                       Issuance of preferred stocks
Biaya emisi efek                                                                   (0)         (0)         (0)           (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                      (0)                       (0)             (0)            (0)         (0)                                Stock issuance costs
Penerbitan instrumen yang dapat dikonversi                                           0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0               Issuance of convertible instruments
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri                         0           0           0             0            0       0              0               0                        0                                                   0                                    0                     0                  0                             0          0                              0               0                                   0                           0                    0                                     0                                      0                        0                         0               0              0           0 Increase (decrease) in equity through treasury
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham               0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0            Increase (decrease) in equity through
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   share-based payment transactions
Pelaksanaan instrumen yang dapat dikonversi                                            0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0                Exercise of convertible instruments
Pelaksanaan waran                                                                      0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0                                Exercise of warrants
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas                  0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0            Increase (decrease) in equity through
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      transactions with owner's equity
Setoran modal dari kepentingan non-pengendali                                          0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0          Stock subscription from non-controlling
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                interests
Perubahan kepentingan non-pengendali atas akuisisi entitas anak                        0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0     Changes in non-controlling interests due to
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             acquisition of subsidiaries
Perubahan kepentingan non-pengendali atas pendirian entitas anak                       0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0     Changes in non-controlling interests due to
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         establishment of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan entitas anak                  (0)          (0)            (0)        (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                       (0)                         (0)          (0)            (0)         (0)     Changes in non-controlling interests due to
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                disposal of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan operasi yang                  (0)          (0)            (0)        (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                       (0)                         (0)          (0)            (0)         (0)     Changes in non-controlling interests due to
dihentikan                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       disposal of a discontinued operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian                      (0)          (0)            (0)        (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                       (0)                         (0)          (0)            (0)         (0)     Changes in non-controlling interests due to
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          partial disposal of interests in subsidiaries
pengendalian                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan                     0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0     Changes in non-controlling interests due to
kepentingan non-pengendali                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    other transactions with non-controlling
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                interests
Eliminasi defisit dalam rangka kuasi reorganisasi                                 (0)          (0)            (0)        (0)          (0)     (0)            (0)             (0)                      (0)                                                 (0)                                  (0)                   (0)                (0)                           (0)        (0)                            (0)             (0)                                 (0)                         (0)                  (0)                                   (0)                                    (0)                       (0)                         (0)          (0)            (0)         (0)          Elimination of deficit in connection with
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   quasi-reorganisation
Pelaksanaan opsi saham                                                                 0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0                            Stock options exercised
Dampak penerapan psak no. 70 atas aset pengampunan pajak                               0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0           Impact of psak no. 70 adoption on tax
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         amnesty assets
Saldo penyesuaian dampak penerapan retrospektif atas PSAK                              0          0               0          0           0       0                 0            0                        0                                                      0                                     0                    0                   0                         0          0                               0              0                                      0                        0                    0                                         0                                   0                         0                            0          0             0           0                Retrospective adjustment of PSAK
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         implementation
Transaksi ekuitas lainnya                                                            0            0           0              0           0       0                 0            0                        0                                                      0                                     0                    0                   0                        0           0                               0              0                                      0                        0                    0                                    0                                        0                      0                         0                0             0           0                           Other equity transactions
Posisi ekuitas, akhir periode                                              654,244,579            0 335,487,439              0           0       0                 0            0                        0                                                      0                                     0                    0                   0             ( 2,866,583 )          0                               0              0                                      0                        0                    0                            9,600,000                                        0         ( 421,879,067 )              574,586,368                0             0 574,586,368                  Equity position, end of the period

Page 18
[8510000] Statement of cash flows, direct method - Financing Industry


Laporan arus kas                                                          Statement of cash flows
                                   30 June 2026          30 June 2025
Laporan arus kas                                                                   Statement of cash flows
  Arus kas dari aktivitas                                                     Cash flows from operating
  operasi                                                                                        activities
     Penerimaan kas dari                                                          Cash receipts from
     aktivitas operasi                                                            operating activities
         Penerimaan dari sewa                       0                     0   Receipts from finance
         pembiayaan                                                                          leases
         Penerimaan dari            2,083,774,935         2,457,779,079              Receipts from
         pembiayaan                                                             consumer financing
         konsumen
         Penerimaan dari anjak                      0                     0          Receipts from
         piutang                                                                          factoring
     Pembayaran kas dari                                                         Cash payments from
     aktivitas operasi                                                            operating activities
         Pembayaran untuk                         (0)                   (0)    Payments for finance
         sewa pembiayaan                                                                     leases
         Pembayaran untuk         ( 1,624,616,544 )     ( 2,698,726,365 )            Payments for
         pembiayaan                                                             consumer financing
         konsumen
         Pembayaran untuk                         (0)                   ( 0 ) Payments for factoring
         anjak piutang
         Pembayaran beban            ( 31,110,317 )        ( 34,891,133 )     Payments for general
         umum dan                                                                and administrative
         administrasi                                                                     expense
     Kas diperoleh dari               428,048,074        ( 275,838,419 )        Cash generated from
     (digunakan untuk)                                                           (used in) operations
     operasi
     Penerimaan dari                                0                     0          Received from loan
     kerjasama penerusan                                                            channeling and joint
     pinjaman dan                                                                 financing cooperation
     pembiayaan bersama
     Pembayaran untuk                             (0)                   (0)           Payments for loan
     kerjasama penerusan                                                            channeling and joint
     pinjaman dan                                                                 financing cooperation
     pembiayaan bersama
     Penerimaan bunga dari                 385,729             1,088,862        Interests received from
     aktivitas operasi                                                               operating activities
     Pembayaran bunga dari         ( 126,801,009 )       ( 132,726,995 )             Interests paid from
     aktivitas operasi                                                               operating activities
     Pembayaran pajak                             (0)                   (0)     Payments for corporate
     penghasilan badan                                                                       income tax
     Penerimaan                       ( 1,257,968 )                       0     Income taxes refunded
     pengembalian                                                                 (paid) from operating
     (pembayaran) pajak                                                                         activities
     penghasilan dari aktivitas
     operasi
     Pengembalian                                   0                     0    Repayment (placement)
     (penempatan) uang                                                          of refundable deposits
     jaminan
     Penerimaan bunga                               0                     0    Receipts of interest from
     pinjaman diberikan                                                                 loan receivable
     Penerimaan                         22,870,292            44,257,587             Other cash inflows
     (pengeluaran) kas lainnya                                                (outflows) from operating
     dari aktivitas operasi                                                                    activities

Page 19
   Arus kas sebelum            323,245,118   ( 363,218,965 )    Net cash flows received
   perubahan dalam aset                                         from (used in) operating
   dan liabilitas yang                                         activities before changes
   diperoleh dari (digunakan                                      in assets and liabilities
   untuk) aktivitas operasi
   Penurunan (kenaikan)                                            Decrease (increase)
   aset operasi                                                 from operation assets
       Penurunan (kenaikan)             0                 0     Decrease (increase)
       efek-efek                                                       from securities
       Penurunan (kenaikan)             0                 0     Decrease (increase)
       kredit                                                               from credit
       Penurunan (kenaikan)             0                 0     Decrease (increase)
       aset lainnya                                                 from other assets
   Kenaikan (penurunan)                                            Increase (decrease)
   liabilitas                                                             from liabilities
       Kenaikan (penurunan)             0                 0     Increase (decrease)
       simpanan dan                                                from deposits and
       simpanan dari bank                                        deposits from other
       lain                                                                     banks
       Kenaikan (penurunan)             0                 0     Increase (decrease)
       liabilitas lainnya                                        from other liabilities
   Jumlah arus kas bersih      323,245,118   ( 363,218,965 )       Total net cash flows
   yang diperoleh dari                                         received from (used in)
   (digunakan untuk)                                                operating activities
   aktivitas operasi
Arus kas dari aktivitas                                      Cash flows from investing
investasi                                                                     activities
   Penerimaan dari                      0                 0 Proceeds from disposal of
   penjualan properti                                           investment properties
   investasi
   Pembayaran untuk                   (0)               (0)    Payments for acquisition
   perolehan properti                                          of investment properties
   investasi
   Penerimaan dari                      0           188,050 Proceeds from disposal of
   penjualan aset tetap                                       property and equipment
   Pembayaran untuk                   (0)         ( 98,867 ) Payments for acquisition
   perolehan aset tetap                                                of property and
                                                                            equipment
   Penerimaan dari                      0                 0 Proceeds from disposal of
   penjualan aset agunan                                            foreclosed assets
   yang diambil alih
   Penerimaan dari                      0                 0 Proceeds from disposal of
   penjualan aset                                           other non-financial assets
   non-keuangan lainnya
   Pembayaran untuk                   (0)               (0)   Payments for acquisition
   perolehan aset                                                 of other non-financial
   non-keuangan lainnya                                                           assets
   Pencairan (penempatan)               0                  0   Withdrawal (placement)
   aset keuangan nilai wajar                                     of financial assets fair
   melalui pendapatan                                               value through other
   komprehensif lainnya                                         comprehensive income
   Penempatan aset                    (0)               (0)      Placement of financial
   keuangan biaya                                                 assets amotized cost
   perolehan diamortisasi                                                   investments
   Pencairan aset keuangan              0                  0     Withdrawal of financial
   biaya perolehan                                               assets amortized cost
   diamortisasi                                                             investments
   Penerimaan dari                      0                  0 Proceeds from disposal of
   pelepasan entitas anak                                                   subsidiaries
   Pembayaran untuk                   (0)               ( 0 ) Payments for acquisition
   perolehan entitas anak                                                of subsidiaries

Page 20
   Penerimaan dari                             0                   0      Proceeds from sales of
   pelepasan kepentingan di                                              interests in subsidiaries
   entitas anak tanpa                                                      without loss of control
   hilangnya pengendalian                                                from investing activities
   dari kegiatan investasi
   Pembayaran untuk                          (0)                 (0)    Payments for acquisition
   perolehan tambahan                                                    of additional interests in
   kepemilikan pada entitas                                                          subsidiaries
   anak
   Penerimaan dari                             0                   0      Proceeds from sales of
   pelepasan kepemilikan                                                interests in joint ventures
   pada entitas ventura
   bersama
   Pembayaran untuk                          (0)                 (0)    Payments for acquisition
   perolehan kepemilikan                                                     of interests in joint
   pada entitas ventura                                                                ventures
   bersama
   Penerimaan dari                             0                   0      Proceeds from sales of
   pelepasan kepemilikan                                                   interests in associates
   pada entitas asosiasi
   Pembayaran untuk                          (0)                 (0)    Payments for acquisition
   perolehan kepemilikan                                                of interests in associates
   pada entitas asosiasi
   Penerimaan dari                             0                   0 Proceeds from disposal of
   pelepasan aset tidak                                                   non-current assets or
   lancar atau kelompok                                              disposal groups classified
   lepasan yang                                                            as held-for-sale and
   diklasifikasikan sebagai                                            discontinued operations
   dimiliki untuk dijual dan
   operasi yang dihentikan
   Penerimaan dividen dari                     0                   0    Dividends received from
   aktivitas investasi                                                         investing activities
   Penerimaan bunga dari                       0                   0     Interests received from
   aktivitas investasi                                                         investing activities
   Pembayaran bunga dari                     (0)                 (0)          Interests paid from
   aktivitas investasi                                                         investing activities
   Penerimaan                                  0                   0     Income taxes refunded
   pengembalian                                                             (paid) from investing
   (pembayaran) pajak                                                                    activities
   penghasilan dari aktivitas
   investasi
   Penerimaan                                  0                   0           Other cash inflows
   (pengeluaran) kas lainnya                                            (outflows) from investing
   dari aktivitas investasi                                                              activities
   Jumlah arus kas bersih                      0              89,183       Total net cash flows
   yang diperoleh dari                                                  received from (used in)
   (digunakan untuk)                                                         investing activities
   aktivitas investasi
Arus kas dari aktivitas                                                 Cash flows from financing
pendanaan                                                                                activities
   Penerimaan wesel bayar                      0                   0       Proceeds from notes
                                                                                       payable
   Pembayaran wesel bayar                    (0)                 (0)         Payments of notes
                                                                                       payable
   Penerimaan pinjaman              762,450,000       1,454,060,000        Proceeds from bank
   bank                                                                                   loans
   Pembayaran pinjaman          ( 1,175,877,310 )   ( 1,137,465,146 )   Payments of bank loans
   bank
   Penerimaan pinjaman                         0                   0    Proceeds from non-bank
   dari lembaga keuangan                                                 financial institution loan
   non-bank

Page 21
Pembayaran pinjaman                 (0)             (0)        Payments of non-bank
kepada lembaga                                                financial institution loan
keuangan non-bank
Penerimaan pinjaman                    0               0                Proceeds from
subordinasi                                                        subordinated loans
Pembayaran pinjaman                 (0)             (0)                    Payments of
subordinasi                                                        subordinated loans
Penerimaan liabilitas                  0               0       Proceeds from finance
sewa pembiayaan                                                          lease liabilities
Pembayaran liabilitas       ( 2,998,136 )   ( 2,364,612 )        Payments of finance
sewa pembiayaan                                                          lease liabilities
Penerimaan dari surat                  0               0       Proceeds from medium
utang jangka menengah                                                        term notes
Pembayaran dari surat               (0)             (0)          Payments of medium
utang jangka menengah                                                        term notes
Penerbitan sukuk                       0               0     Issuance of mudharabah
mudharabah                                                                         sukuk
Pembayaran sukuk                    (0)             (0)     Payments of mudharabah
mudharabah                                                                         sukuk
Penerimaan surat                       0               0          Proceeds from debt
berharga utang                                                                securities
Pembayaran surat                    (0)             (0)              Payments of debt
berharga utang                                                                securities
Obligasi subordinasi yang              0               0          Subordinated bonds
diterbitkan                                                                       issued
Pembayaran obligasi                 (0)             (0)                    Payments of
subordinasi                                                       subordinated bonds
Pembayaran biaya emisi              (0)             (0)            Payments of bonds
penerbitan obligasi                                                     issuance costs
Penerimaan pinjaman                    0               0         Proceeds from other
lainnya                                                                     borrowings
Pembayaran pinjaman                 (0)             (0)             Payments of other
lainnya                                                                     borrowings
Pembayaran biaya                    (0)             (0)              Payments of debt
penerbitan surat berharga                                    securities issuance costs
utang
Penerimaan dari                        0               0     Proceeds from issuance
penerbitan saham biasa                                            of common stocks
Penerimaan dari                        0               0     Proceeds from issuance
penerbitan saham                                                  of preferred stocks
preferen
Penerimaan dari                        0               0        Proceeds from issuing
penerbitan instrumen                                          other equity instruments
ekuitas lainnya
Pembayaran biaya emisi              (0)             (0)            Payments of stock
saham                                                                  issuance costs
Penerimaan dari                        0               0       Proceeds from sales of
pelepasan kepentingan di                                      interests in subsidiaries
entitas anak tanpa                                              without loss of control
hilangnya pengendalian                                        from financing activities
dari kegiatan pendanaan
Penerimaan dari                        0               0    Proceed from increase of
penambahan kepemilikan                                        non-controlling interest
dari non-pengendali
Pembayaran untuk                    (0)             (0)      Payments for acquisition
perolehan kepentingan                                               of non-controlling
pihak non-pengendali                                          interests in subsidiaries
pada entitas anak
Penerimaan bunga dari                  0               0       Interests received from
aktivitas pendanaan                                                 financing activities

Page 22
   Pembayaran bunga dari                   (0)             (0)           Interests paid from
   aktivitas pendanaan                                                    financing activities
   Penerimaan                                0                0      Income taxes refunded
   pengembalian                                                        (paid) from financing
   (pembayaran) pajak                                                               activities
   penghasilan dari aktivitas
   pendanaan
   Pembayaran dividen dari                 (0)             (0)          Dividends paid from
   aktivitas pendanaan                                                    financing activities
   Penerimaan                                0                0           Other cash inflows
   (pengeluaran) kas lainnya                                       (outflows) from financing
   dari aktivitas pendanaan                                                         activities
   Jumlah arus kas bersih       ( 416,425,446 )    314,230,242        Total net cash flows
   yang diperoleh dari                                             received from (used in)
   (digunakan untuk)                                                    financing activities
   aktivitas pendanaan
Jumlah kenaikan                  ( 93,180,328 )   ( 48,899,540 )            Total net increase
(penurunan) bersih kas                                                (decrease) in cash and
dan setara kas                                                               cash equivalents
Kas dan setara kas arus kas,      149,286,620      153,261,843      Cash and cash equivalents
awal periode                                                       cash flows, beginning of the
                                                                                         period
Efek perubahan nilai kurs                    0                0        Effect of exchange rate
pada kas dan setara kas                                             changes on cash and cash
                                                                                   equivalents
Kas dan setara kas dari                      0                0    Cash and cash equivalent of
entitas anak yang                                                  deconsolidated subsidiaries
didekonsolidasikan
Kenaikan (penurunan) kas                     0                0Other increase (decrease) in
dan setara kas lainnya                                           cash and cash equivalents
Kas dan setara kas arus            56,106,292      104,362,303 Cash and cash equivalents
kas, akhir periode                                                  cash flows, end of the
                                                                                    period

Page 23
[8610000] Explanation for Significant Accounting Policy - Financing Industry


Kebijakan akuntansi signifikan                                                            Significant accounting policies
                                                                           30 June 2026
Kebijakan akuntansi signifikan                                                                      Significant accounting policies
  Dasar penyusunan laporan keuangan konsolidasian                                             Basis of preparation of consolidated
                                                                                                                financial statements
  Prinsip-prinsip konsolidasi                                                                            Principles of consolidation
  Kas dan setara kas                                                                                    Cash and cash equivalents
  Piutang usaha dan piutang lain-lain                                                                  Trade and other receivables
  Aset tetap                                                                                                             Fixed assets
  Penurunan nilai aset nonkeuangan                                                              Impairment of non-financial assets
  Beban tangguhan                                                                                                  Deferred charges
  Utang usaha dan liabilitas lain-lain                                                          Trade payables and other liabilities
  Pengakuan pendapatan dan beban                                                                Revenue and expense recognition
  Penjabaran mata uang asing                                                                           Foreign currency translation
  Transaksi dengan pihak berelasi                                                                 Transactions with related parties
  Pajak penghasilan                                                                                                     Income taxes
  Imbalan kerja karyawan                                                                                          Employee benefits
  Laba per saham                                                                                                  Earnings per share
  Dividen                                                                                                                   Dividends
  Pelaporan segmen                                                                                                Segment reporting
  Instrumen keuangan derivatif                                                                      Derivative financial instruments
  Penerapan standar akutansi baru                                                                       The implementation of new
                                                                                               statements of accounting standards
  Kombinasi bisnis                                                                                           Business combination
  Penentuan nilai wajar                                                                                  Determination of fair value
  Transaksi dan saldo dalam mata uang asing                                                      Foreign currency transactions and
                                                                                                                             balances
  Efek-efek                                                                                                                 Securities
  Investasi jangka pendek                                                                                    Short-term investment
  Aset hak guna                                                                                                  Right of use assets
  Properti investasi                                                                                          Investment properties
  Goodwill                                                                                                                   Goodwill
  Investasi pada entitas asosiasi                                                                         Investment in associates
  Aset takberwujud                                                                                                  Intangible assets
  Beban dibayar dimuka                                                                                             Prepaid expenses
  Piutang dan utang asuransi                                                                  Insurance receivables and payables

Page 24
Piutang pembiayaan konsumen                                    Consumer financing receivables
Liabilitas atas kontrak                                                       Contract liabilities
Simpanan nasabah dan simpanan dari bank lain                     Deposits from customers and
                                                                     deposits from other banks
Obligasi subordinasi                                                       Subordinated bonds
Efek-efek yang dibeli dengan janji dibeli kembali            Securities purchased under resell
                                                                                    agreements
Saham treasuri                                                                   Treasury stock
Modal saham                                                                       Share capital
Pengaturan pembayaran berbasis saham                        Share-based payment arrangement
Biaya emisi efek ekuitas                                                   Stock issuance cost
Instrumen keuangan                                                        Financial instruments
Aset tidak lancar yang diklasifikasikan sebagai dimiliki   Non-current assets classified as held
untuk dijual                                                                             for sale
Peristiwa setelah tanggal periode pelaporan                        Events after reporting period
Penerapan standar akuntansi baru                                   Adoption of new accounting
                                                                                      standards
Standar akuntansi yang telah disahkan namun belum          Accounting standards issued but not
berlaku efektif                                                                    yet effective
Utang pembiayaan konsumen                                         Consumer financing liabilities

Page 25
[8611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financing Industry

Aset tetap                                                                                                                                                                                                                                                                                                                            Property, plant, and equipment
                                                                                                                                                        Aset tetap [baris komponen]
                                                                             Penambahan aset       Pengurangan aset   Reklasifikasi aset       Penjabaran laporan keuangan aset   Entitas anak baru aset   Revaluasi aset       Penurunan (pemulihan) nilai aset
                                                                Aset tetap                                                                                                                                                                                         Aset tetap
                                                                                  tetap                 tetap               tetap                            tetap                         tetap               tetap                        tetap
Nilai perolehan,   Tanah, dimiliki langsung                              0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                                         Land, directly owned            Carrying amount, gross
kotor              Bangunan dan fasilitasnya, dimiliki langsung 20,556,001             9,231                    (0)                        0                                  0                        0                    0                               ( 0 ) 20,565,232         Building and leasehold improvement, directly owned
                   Mesin dan peralatan, dimiliki langsung                0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                   Machinery and equipment, directly owned
                   Alat berat, dimiliki langsung                         0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                            Heavy equipment, directly owned
                   Alat pengangkutan, dimiliki langsung                  0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                    Transportation equipment, directly owned
                   Perabot dan peralatan kantor, dimiliki       51,654,827            21,295                    (0)                        0                                  0                        0                    0                               ( 0 ) 51,676,122               Furniture and office equipment, directly owned
                   langsung
                   Kendaraan bermotor, dimiliki langsung           642,549                     0                (0)                        0                                  0                        0                    0                               (0)      642,549                              Motor vehicle, directly owned
                   Pesawat, dimiliki langsung                            0                     0                (0)                        0                                  0                        0                    0                               (0)            0                                     Aircraft, directly owned
                   Kapal, dimiliki langsung                              0                     0                (0)                        0                                  0                        0                    0                               (0)            0                                    Vessels, directly owned
                   Menara telekomunikasi, dimiliki langsung              0                     0                (0)                        0                                  0                        0                    0                               (0)            0                                BTS Tower, directly owned
                   Jaringan Fiber Optik, dimiliki langsung               0                     0                (0)                        0                                  0                        0                    0                               (0)            0                       Fiber Optic Network, directly owned
                   Infrastruktur Telekomunikasi, dimiliki                0                     0                (0)                        0                                  0                        0                    0                               (0)            0            Telecommunication Infrastructure, directly owned
                   langsung
                   Peralatan Teknikal, dimiliki langsung                 0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                        Technical Equipment, directly owned
                   Lainnya, dimiliki langsung                            0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                                       Others, directly owned
                   Dimiliki langsung                            72,853,377            30,526                    (0)                        0                                  0                        0                    0                               ( 0 ) 72,883,903                                                 Directly owned
                   Mesin, aset hak guna                                  0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                               Machinery, right of use assets
                   Alat pengangkutan, aset hak guna                      0                 0                    (0)                        0                                  0                        0                    0                               (0)            0               Transportation equipment, right of use assets
                   Alat berat, aset hak guna                             0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                        Heavy equipment, right of use assets
                   Bangunan, aset hak guna                               0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                                  Building, right of use assets
                   Perabot dan peralatan kantor, aset hak guna           0                 0                    (0)                        0                                  0                        0                    0                               (0)            0         Furniture and office equipment, rights of use assets
                   Kendaraan bermotor, aset hak guna                     0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                           Motor vehicle, rights of use assets
                   Pesawat, aset hak guna                                0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                                   Aircraft, right of use assets
                   Kapal, aset hak guna                                  0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                                  Vessels, right of use assets
                   Menara telekomunikasi, aset hak guna                  0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                              BTS Tower, right of use assets
                   Jaringan Fiber Optik, aset hak guna                   0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                     Fiber Optic Network, right of use assets
                   Infrastruktur Telekomunikasi, aset hak guna           0                 0                    (0)                        0                                  0                        0                    0                               (0)            0        Telecommunication Infrastructure, right of use assets
                   Peralatan Teknikal, aset hak guna                     0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                    Technical Equipment, right of use assets
                   Lainnya, aset hak guna                                0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                                   Others, right of use assets
                   Aset hak guna                                         0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                                            Right of use assets
                   Bangunan, dalam penyelesaian                          0                 0                    (0)                        0                                  0                        0                    0                               (0)            0                          Building, assets under construction
                   Mesin dan alat berat, dalam penyelesaian              0                 0                    (0)                        0                                  0                        0                    0                               (0)            0              Machinery and heavy equipment, assets under
                                                                                                                                                                                                                                                                                                                                construction
                   Menara telekomunikasi, dalam penyelesaian          0                        0                (0)                        0                                  0                        0                    0                               (0)                 0                 BTS Tower, assets under construction
                   Jaringan Fiber Optik, dalam penyelesaian           0                        0                (0)                        0                                  0                        0                    0                               (0)                 0         Fiber Optic Network, assets under construction
                   Infrastruktur Telekomunikasi, dalam                0                        0                (0)                        0                                  0                        0                    0                               (0)                 0        Telecommunication Infrastructure, assets under
                   penyelesaian                                                                                                                                                                                                                                                                                                 construction
                   Peralatan Teknikal, dalam penyelesaian             0                    0                    (0)                        0                                  0                        0                    0                               (0)            0             Technical Equipment, assets under construction
                   Lainnya, dalam penyelesaian                  154,196                1,350                    (0)                        0                                  0                        0                    0                               (0)      155,546                           Others, assets under construction
                   Aset dalam penyelesaian                      154,196                1,350                    (0)                        0                                  0                        0                    0                               (0)      155,546                                    Assets under construction
                   Aset tetap                                73,007,573               31,876                    (0)                        0                                  0                        0                    0                               ( 0 ) 73,039,449                              Property, plant, and equipment
Akumulasi          Tanah, dimiliki langsung                           0                    0                    (0)                        0                                  0                        0                    0                               (0)            0                                         Land, directly owned      Carrying amount, accumulated

Page 26
depresiasi         Bangunan dan fasilitasnya, dimiliki langsung 18,857,817                   289,876                    (0)                     0                                    0                        0                  0                               ( 0 ) 19,147,693    Building and leasehold improvement, directly owned        depreciation
                   Mesin dan peralatan, dimiliki langsung                0                         0                    (0)                     0                                    0                        0                  0                               (0)            0              Machinery and equipment, directly owned
                   Alat berat, dimiliki langsung                         0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                       Heavy equipment, directly owned
                   Alat pengangkutan, dimiliki langsung                  0                         0                    (0)                     0                                    0                        0                  0                               (0)            0               Transportation equipment, directly owned
                   Perabot dan peralatan kantor, dimiliki       47,093,504                 1,132,369                    (0)                     0                                    0                        0                  0                               ( 0 ) 48,225,873          Furniture and office equipment, directly owned
                   langsung
                   Kendaraan bermotor, dimiliki langsung           120,368                     39,659                   (0)                     0                                    0                        0                  0                               (0)     160,027                          Motor vehicle, directly owned
                   Pesawat, dimiliki langsung                            0                          0                   (0)                     0                                    0                        0                  0                               (0)           0                                 Aircraft, directly owned
                   Kapal, dimiliki langsung                              0                          0                   (0)                     0                                    0                        0                  0                               (0)           0                                Vessels, directly owned
                   Menara telekomunikasi, dimiliki langsung              0                          0                   (0)                     0                                    0                        0                  0                               (0)           0                            BTS Tower, directly owned
                   Jaringan Fiber Optik, dimiliki langsung               0                          0                   (0)                     0                                    0                        0                  0                               (0)                               Fiber Optic Network, directly owned
                   Infrastruktur Telekomunikasi, dimiliki                0                          0                   (0)                     0                                    0                        0                  0                               (0)           0        Telecommunication Infrastructure, directly owned
                   langsung
                   Peralatan Teknikal, dimiliki langsung                 0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                   Technical Equipment, directly owned
                   Lainnya, dimiliki langsung                            0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                                  Others, directly owned
                   Dimiliki langsung                            66,071,689                 1,461,904                    (0)                     0                                    0                        0                  0                               ( 0 ) 67,533,593                                            Directly owned
                   Mesin, aset hak guna                                  0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                          Machinery, right of use assets
                   Alat pengangkutan, aset hak guna                      0                         0                    (0)                     0                                    0                        0                  0                               (0)            0          Transportation equipment, right of use assets
                   Alat berat, aset hak guna                             0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                   Heavy equipment, right of use assets
                   Bangunan, aset hak guna                               0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                             Building, right of use assets
                   Perabot dan peralatan kantor, aset hak guna           0                         0                    (0)                     0                                    0                        0                  0                               (0)            0    Furniture and office equipment, rights of use assets
                   Kendaraan bermotor, aset hak guna                     0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                      Motor vehicle, rights of use assets
                   Pesawat, aset hak guna                                0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                              Aircraft, right of use assets
                   Kapal, aset hak guna                                  0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                             Vessels, right of use assets
                   Menara telekomunikasi, aset hak guna                  0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                         BTS Tower, right of use assets
                   Jaringan Fiber Optik, aset hak guna                   0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                Fiber Optic Network, right of use assets
                   Infrastruktur Telekomunikasi, aset hak guna           0                         0                    (0)                     0                                    0                        0                  0                               (0)            0   Telecommunication Infrastructure, right of use assets
                   Peralatan Teknikal, aset hak guna                     0                         0                    (0)                     0                                    0                        0                  0                               (0)            0               Technical Equipment, right of use assets
                   Lainnya, aset hak guna                                0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                              Others, right of use assets
                   Aset hak guna                                         0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                                       Right of use assets
                   Bangunan, dalam penyelesaian                          0                         0                    (0)                     0                                    0                        0                  0                               (0)            0                     Building, assets under construction
                   Mesin dan alat berat, dalam penyelesaian              0                         0                    (0)                     0                                    0                        0                  0                               (0)            0         Machinery and heavy equipment, assets under
                                                                                                                                                                                                                                                                                                                                construction
                   Menara telekomunikasi, dalam penyelesaian          0                              0                  (0)                     0                                    0                        0                  0                               (0)           0                  BTS Tower, assets under construction
                   Jaringan Fiber Optik, dalam penyelesaian           0                              0                  (0)                     0                                    0                        0                  0                               (0)           0          Fiber Optic Network, assets under construction
                   Infrastruktur Telekomunikasi, dalam                0                              0                  (0)                     0                                    0                        0                  0                               (0)           0         Telecommunication Infrastructure, assets under
                   penyelesaian                                                                                                                                                                                                                                                                                                 construction
                   Peralatan Teknikal, dalam penyelesaian             0                            0                    (0)                     0                                    0                        0                  0                               (0)            0        Technical Equipment, assets under construction
                   Lainnya, dalam penyelesaian                        0                            0                    (0)                     0                                    0                        0                  0                               (0)            0                      Others, assets under construction
                   Aset dalam penyelesaian                            0                            0                    (0)                     0                                    0                        0                  0                               (0)            0                               Assets under construction
                   Aset tetap                                66,071,689                    1,461,904                    (0)                     0                                    0                        0                  0                               ( 0 ) 67,533,593                         Property, plant, and equipment

Aset tetap                                                                                                                                                                                                                                          Property, plant, and equipment
                                                                                                                               Aset tetap [baris komponen]
                               Aset tetap   Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap   Aset tetap
Nilai perolehan Nilai perolehan 6,935,884                                                                                                                                                                                                           5,505,856 Carrying amount Carrying amount

Page 27
[8611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financing Industry - Prior Year

Aset tetap                                                                                                                                                                                                                                                                                                                             Property, plant, and equipment
                                                                                                                                                         Aset tetap [baris komponen]
                                                                             Penambahan aset       Pengurangan aset    Reklasifikasi aset       Penjabaran laporan keuangan aset   Entitas anak baru aset   Revaluasi aset       Penurunan (pemulihan) nilai aset
                                                                Aset tetap                                                                                                                                                                                          Aset tetap
                                                                                  tetap                 tetap                tetap                            tetap                         tetap               tetap                        tetap
Nilai perolehan,   Tanah, dimiliki langsung                              0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                                         Land, directly owned            Carrying amount, gross
kotor              Bangunan dan fasilitasnya, dimiliki langsung 20,556,001                 0                    (0)                   0                                        0                        0                    0                               ( 0 ) 20,556,001         Building and leasehold improvement, directly owned
                   Mesin dan peralatan, dimiliki langsung                0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                   Machinery and equipment, directly owned
                   Alat berat, dimiliki langsung                         0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                            Heavy equipment, directly owned
                   Alat pengangkutan, dimiliki langsung                  0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                    Transportation equipment, directly owned
                   Perabot dan peralatan kantor, dimiliki       51,800,848             3,552           ( 1,291,514 )          1,141,941                                        0                        0                    0                               ( 0 ) 51,654,827               Furniture and office equipment, directly owned
                   langsung
                   Kendaraan bermotor, dimiliki langsung         2,180,699                     0       ( 1,538,150 )                        0                                  0                        0                    0                               (0)      642,549                              Motor vehicle, directly owned
                   Pesawat, dimiliki langsung                            0                     0                (0)                         0                                  0                        0                    0                               (0)            0                                     Aircraft, directly owned
                   Kapal, dimiliki langsung                              0                     0                (0)                         0                                  0                        0                    0                               (0)            0                                    Vessels, directly owned
                   Menara telekomunikasi, dimiliki langsung              0                     0                (0)                         0                                  0                        0                    0                               (0)            0                                BTS Tower, directly owned
                   Jaringan Fiber Optik, dimiliki langsung               0                     0                (0)                         0                                  0                        0                    0                               (0)            0                       Fiber Optic Network, directly owned
                   Infrastruktur Telekomunikasi, dimiliki                0                     0                (0)                         0                                  0                        0                    0                               (0)            0            Telecommunication Infrastructure, directly owned
                   langsung
                   Peralatan Teknikal, dimiliki langsung                 0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                        Technical Equipment, directly owned
                   Lainnya, dimiliki langsung                            0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                                       Others, directly owned
                   Dimiliki langsung                            74,537,548             3,552           ( 2,829,664 )          1,141,941                                        0                        0                    0                               ( 0 ) 72,853,377                                                 Directly owned
                   Mesin, aset hak guna                                  0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                               Machinery, right of use assets
                   Alat pengangkutan, aset hak guna                      0                 0                    (0)                   0                                        0                        0                    0                               (0)            0               Transportation equipment, right of use assets
                   Alat berat, aset hak guna                             0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                        Heavy equipment, right of use assets
                   Bangunan, aset hak guna                               0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                                  Building, right of use assets
                   Perabot dan peralatan kantor, aset hak guna           0                 0                    (0)                   0                                        0                        0                    0                               (0)            0         Furniture and office equipment, rights of use assets
                   Kendaraan bermotor, aset hak guna                     0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                           Motor vehicle, rights of use assets
                   Pesawat, aset hak guna                                0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                                   Aircraft, right of use assets
                   Kapal, aset hak guna                                  0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                                  Vessels, right of use assets
                   Menara telekomunikasi, aset hak guna                  0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                              BTS Tower, right of use assets
                   Jaringan Fiber Optik, aset hak guna                   0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                     Fiber Optic Network, right of use assets
                   Infrastruktur Telekomunikasi, aset hak guna           0                 0                    (0)                   0                                        0                        0                    0                               (0)            0        Telecommunication Infrastructure, right of use assets
                   Peralatan Teknikal, aset hak guna                     0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                    Technical Equipment, right of use assets
                   Lainnya, aset hak guna                                0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                                   Others, right of use assets
                   Aset hak guna                                         0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                                            Right of use assets
                   Bangunan, dalam penyelesaian                          0                 0                    (0)                   0                                        0                        0                    0                               (0)            0                          Building, assets under construction
                   Mesin dan alat berat, dalam penyelesaian              0                 0                    (0)                   0                                        0                        0                    0                               (0)            0              Machinery and heavy equipment, assets under
                                                                                                                                                                                                                                                                                                                                 construction
                   Menara telekomunikasi, dalam penyelesaian          0                        0                (0)                         0                                  0                        0                    0                               (0)                 0                 BTS Tower, assets under construction
                   Jaringan Fiber Optik, dalam penyelesaian           0                        0                (0)                         0                                  0                        0                    0                               (0)                 0         Fiber Optic Network, assets under construction
                   Infrastruktur Telekomunikasi, dalam                0                        0                (0)                         0                                  0                        0                    0                               (0)                 0        Telecommunication Infrastructure, assets under
                   penyelesaian                                                                                                                                                                                                                                                                                                  construction
                   Peralatan Teknikal, dalam penyelesaian             0                    0                    (0)                   0                                        0                        0                    0                               (0)            0             Technical Equipment, assets under construction
                   Lainnya, dalam penyelesaian                1,200,822               95,315                    (0)        ( 1,141,941 )                                       0                        0                    0                               (0)      154,196                           Others, assets under construction
                   Aset dalam penyelesaian                    1,200,822               95,315                    (0)        ( 1,141,941 )                                       0                        0                    0                               (0)      154,196                                    Assets under construction
                   Aset tetap                                75,738,370               98,867           ( 2,829,664 )                  0                                        0                        0                    0                               ( 0 ) 73,007,573                              Property, plant, and equipment
Akumulasi          Tanah, dimiliki langsung                           0                    0                    (0)                   0                                        0                        0                    0                               (0)            0                                         Land, directly owned      Carrying amount, accumulated

Page 28
depresiasi         Bangunan dan fasilitasnya, dimiliki langsung 18,166,232                   691,585                   (0)                      0                                   0                         0                 0                                 ( 0 ) 18,857,817    Building and leasehold improvement, directly owned        depreciation
                   Mesin dan peralatan, dimiliki langsung                0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0              Machinery and equipment, directly owned
                   Alat berat, dimiliki langsung                         0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                       Heavy equipment, directly owned
                   Alat pengangkutan, dimiliki langsung                  0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0               Transportation equipment, directly owned
                   Perabot dan peralatan kantor, dimiliki       45,569,423                 2,808,210          ( 1,284,129 )                     0                                   0                         0                 0                                 ( 0 ) 47,093,504          Furniture and office equipment, directly owned
                   langsung
                   Kendaraan bermotor, dimiliki langsung           882,191                   164,255            ( 926,078 )                     0                                   0                         0                 0                                 (0)     120,368                          Motor vehicle, directly owned
                   Pesawat, dimiliki langsung                            0                         0                   (0)                      0                                   0                         0                 0                                 (0)           0                                 Aircraft, directly owned
                   Kapal, dimiliki langsung                              0                         0                   (0)                      0                                   0                         0                 0                                 (0)           0                                Vessels, directly owned
                   Menara telekomunikasi, dimiliki langsung              0                         0                   (0)                      0                                   0                         0                 0                                 (0)           0                            BTS Tower, directly owned
                   Jaringan Fiber Optik, dimiliki langsung               0                         0                   (0)                      0                                   0                         0                 0                                 (0)           0                   Fiber Optic Network, directly owned
                   Infrastruktur Telekomunikasi, dimiliki                0                         0                   (0)                      0                                   0                         0                 0                                 (0)           0        Telecommunication Infrastructure, directly owned
                   langsung
                   Peralatan Teknikal, dimiliki langsung                 0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                   Technical Equipment, directly owned
                   Lainnya, dimiliki langsung                            0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                                  Others, directly owned
                   Dimiliki langsung                            64,617,846                 3,664,050          ( 2,210,207 )                     0                                   0                         0                 0                                 ( 0 ) 66,071,689                                            Directly owned
                   Mesin, aset hak guna                                  0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                          Machinery, right of use assets
                   Alat pengangkutan, aset hak guna                      0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0          Transportation equipment, right of use assets
                   Alat berat, aset hak guna                             0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                   Heavy equipment, right of use assets
                   Bangunan, aset hak guna                               0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                             Building, right of use assets
                   Perabot dan peralatan kantor, aset hak guna           0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0    Furniture and office equipment, rights of use assets
                   Kendaraan bermotor, aset hak guna                     0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                      Motor vehicle, rights of use assets
                   Pesawat, aset hak guna                                0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                              Aircraft, right of use assets
                   Kapal, aset hak guna                                  0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                             Vessels, right of use assets
                   Menara telekomunikasi, aset hak guna                  0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                         BTS Tower, right of use assets
                   Jaringan Fiber Optik, aset hak guna                   0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                Fiber Optic Network, right of use assets
                   Infrastruktur Telekomunikasi, aset hak guna           0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0   Telecommunication Infrastructure, right of use assets
                   Peralatan Teknikal, aset hak guna                     0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0               Technical Equipment, right of use assets
                   Lainnya, aset hak guna                                0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                              Others, right of use assets
                   Aset hak guna                                         0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                                       Right of use assets
                   Bangunan, dalam penyelesaian                          0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0                     Building, assets under construction
                   Mesin dan alat berat, dalam penyelesaian              0                         0                   (0)                      0                                   0                         0                 0                                 (0)            0         Machinery and heavy equipment, assets under
                                                                                                                                                                                                                                                                                                                                 construction
                   Menara telekomunikasi, dalam penyelesaian          0                              0                  (0)                     0                                   0                         0                 0                                 (0)           0                  BTS Tower, assets under construction
                   Jaringan Fiber Optik, dalam penyelesaian           0                              0                  (0)                     0                                   0                         0                 0                                 (0)           0          Fiber Optic Network, assets under construction
                   Infrastruktur Telekomunikasi, dalam                0                              0                  (0)                     0                                   0                         0                 0                                 (0)           0         Telecommunication Infrastructure, assets under
                   penyelesaian                                                                                                                                                                                                                                                                                                  construction
                   Peralatan Teknikal, dalam penyelesaian             0                            0                   (0)                      0                                   0                         0                 0                                 (0)            0        Technical Equipment, assets under construction
                   Lainnya, dalam penyelesaian                        0                            0                   (0)                      0                                   0                         0                 0                                 (0)            0                      Others, assets under construction
                   Aset dalam penyelesaian                            0                            0                   (0)                      0                                   0                         0                 0                                 (0)            0                               Assets under construction
                   Aset tetap                                64,617,846                    3,664,050          ( 2,210,207 )                     0                                   0                         0                 0                                 ( 0 ) 66,071,689                         Property, plant, and equipment

Aset tetap                                                                                                                                                                                                                                           Property, plant, and equipment
                                                                                                                                Aset tetap [baris komponen]
                               Aset tetap    Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap   Aset tetap
Nilai perolehan Nilai perolehan 11,120,524                                                                                                                                                                                                           6,935,884 Carrying amount Carrying amount

Page 29
[8611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financing Industry


Pengungkapan                                                                                                                                                           Disclosure
                                                                                       30 June 2026
Pengungkapan                                                                                                                                                                Disclosure
  Pengungkapan catatan atas aset tetap         Aset tetap dinyatakan sebesar biaya perolehan dikurangi akumulasi penyusutan dan rugi penurunan Disclosure of notes for property, plant
                                           nilai, kecuali untuk tanah yang tidak terdepresiasi. Biaya perolehan termasuk biaya penggantian bagian                     and equipment
                                                aset tetap pada saat biaya tersebut terjadi, jika memenuhi kriteria pengakuan. Demikian pula, pada
                                               saat inspeksi yang signifikan dilakukan, biaya inspeksi itu diakui ke dalam jumlah tercatat aset tetap
                                                         sebagai suatu penggantian jika memenuhi kriteria pengakuan. Semua biaya perbaikan dan
                                                pemeliharaan lainnya yang tidak memenuhi kriteria pengakuan diakui dalam laporan laba rugi pada
                                                                                                                                     saat terjadinya.

Page 30
[8612000_BD] Notes to the financial statements - Right of Use Assets (breakdown) - Financing Industry

Aset hak guna                                                                                                                                                                                                                                                                                                                                           Right of use assets
                                                                                                                                                             Aset hak guna [baris komponen]
                                                      Aset hak       Penambahan aset hak       Pengurangan aset hak   Reklasifikasi aset hak       Penjabaran laporan keuangan aset hak    Entitas anak baru aset hak       Revaluasi aset hak       Penurunan (pemulihan) nilai aset hak   Aset hak
                                                       guna                guna                       guna                     guna                                guna                               guna                        guna                             guna                      guna
Nilai perolehan,   Mesin, aset hak guna                          0                         0                    (0)                            0                                       0                                0                        0                                   (0)               0          Machinery, right of use assets            Carrying amount, gross
kotor              Alat pengangkutan, aset hak                   0                         0                    (0)                            0                                       0                                0                        0                                   (0)               0   Transportation equipment, right of use
                   guna                                                                                                                                                                                                                                                                                                                      assets
                   Alat berat, aset hak guna                 0                             0                    (0)                            0                                       0                                0                        0                                   (0)            0       Heavy equipment, right of use assets
                   Bangunan, aset hak guna          16,867,085                             0                    (0)                            0                                       0                                0                        0                                   ( 0 ) 16,867,085                Building, right of use assets
                   Pesawat, aset hak guna                    0                             0                    (0)                            0                                       0                                0                        0                                   (0)            0                 Aircraft, right of use assets
                   Kapal, aset hak guna                      0                             0                    (0)                            0                                       0                                0                        0                                   (0)            0                Vessels, right of use assets
                   Lainnya, aset hak guna                    0                             0                    (0)                            0                                       0                                0                        0                                   (0)            0                  Others, right of use assets
                   Aset hak guna                    16,867,085                             0                    (0)                            0                                       0                                0                        0                                   ( 0 ) 16,867,085                          Right of use assets
Akumulasi          Mesin, aset hak guna                      0                             0                    (0)                            0                                       0                                0                        0                                   (0)            0             Machinery, right of use assets      Carrying amount, accumulated
depresiasi         Alat pengangkutan, aset hak               0                             0                    (0)                            0                                       0                                0                        0                                   (0)            0      Transportation equipment, right of use                      depreciation
                   guna                                                                                                                                                                                                                                                                                                                      assets
                   Alat berat, aset hak guna                 0                         0                        (0)                            0                                       0                                0                        0                                   (0)            0       Heavy equipment, right of use assets
                   Bangunan, aset hak guna           1,967,827                 1,686,708                        (0)                            0                                       0                                0                        0                                   (0)    3,654,535                Building, right of use assets
                   Pesawat, aset hak guna                    0                         0                        (0)                            0                                       0                                0                        0                                   (0)            0                 Aircraft, right of use assets
                   Kapal, aset hak guna                      0                         0                        (0)                            0                                       0                                0                        0                                   (0)            0                Vessels, right of use assets
                   Lainnya, aset hak guna                    0                         0                        (0)                            0                                       0                                0                        0                                   (0)            0                  Others, right of use assets
                   Aset hak guna                     1,967,827                 1,686,708                        (0)                            0                                       0                                0                        0                                   (0)    3,654,535                          Right of use assets

Aset hak guna                                                                                                                                                                                                                                                                                               Right of use assets
                                                                                                                                       Aset hak guna [baris komponen]
                             Aset hak guna Penambahan aset hak guna Pengurangan aset hak guna Reklasifikasi aset hak guna Penjabaran laporan keuangan aset hak guna Entitas anak baru aset hak guna Revaluasi aset hak guna Penurunan (pemulihan) nilai aset hak guna Aset hak guna
Nilai perolehan Aset hak guna 14,899,258                                                                                                                                                                                                                                               13,212,550 Right of use assets Carrying amount

Page 31
[8612000_BD] Notes to the financial statements - Right of Use Assets (breakdown) - Financing Industry - Prior Year

Aset hak guna                                                                                                                                                                                                                                                                                                                                              Right of use assets
                                                                                                                                                                Aset hak guna [baris komponen]
                                                         Aset hak       Penambahan aset hak       Pengurangan aset hak   Reklasifikasi aset hak       Penjabaran laporan keuangan aset hak    Entitas anak baru aset hak       Revaluasi aset hak       Penurunan (pemulihan) nilai aset hak   Aset hak
                                                          guna                guna                       guna                     guna                                guna                               guna                        guna                             guna                      guna
Nilai perolehan,   Mesin, aset hak guna                             0                         0                    (0)                            0                                       0                                0                        0                                   (0)               0          Machinery, right of use assets            Carrying amount, gross
kotor              Alat pengangkutan, aset hak                      0                         0                    (0)                            0                                       0                                0                        0                                   (0)               0   Transportation equipment, right of use
                   guna                                                                                                                                                                                                                                                                                                                         assets
                   Alat berat, aset hak guna                    0                         0                       (0)                             0                                       0                                0                        0                                   (0)            0       Heavy equipment, right of use assets
                   Bangunan, aset hak guna             13,982,294                16,867,085             ( 13,982,294 )                            0                                       0                                0                        0                                   ( 0 ) 16,867,085                Building, right of use assets
                   Pesawat, aset hak guna                       0                         0                       (0)                             0                                       0                                0                        0                                   (0)            0                 Aircraft, right of use assets
                   Kapal, aset hak guna                         0                         0                       (0)                             0                                       0                                0                        0                                   (0)            0                Vessels, right of use assets
                   Lainnya, aset hak guna                       0                         0                       (0)                             0                                       0                                0                        0                                   (0)            0                  Others, right of use assets
                   Aset hak guna                       13,982,294                16,867,085             ( 13,982,294 )                            0                                       0                                0                        0                                   ( 0 ) 16,867,085                          Right of use assets
Akumulasi          Mesin, aset hak guna                         0                         0                       (0)                             0                                       0                                0                        0                                   (0)            0             Machinery, right of use assets      Carrying amount, accumulated
depresiasi         Alat pengangkutan, aset hak                  0                         0                       (0)                             0                                       0                                0                        0                                   (0)            0      Transportation equipment, right of use                      depreciation
                   guna                                                                                                                                                                                                                                                                                                                         assets
                   Alat berat, aset hak guna                    0                         0                       (0)                             0                                       0                                0                        0                                   (0)            0       Heavy equipment, right of use assets
                   Bangunan, aset hak guna             12,724,282                 3,225,839             ( 13,982,294 )                            0                                       0                                0                        0                                   (0)    1,967,827                Building, right of use assets
                   Pesawat, aset hak guna                       0                         0                       (0)                             0                                       0                                0                        0                                   (0)            0                 Aircraft, right of use assets
                   Kapal, aset hak guna                         0                         0                       (0)                             0                                       0                                0                        0                                   (0)            0                Vessels, right of use assets
                   Lainnya, aset hak guna                       0                         0                       (0)                             0                                       0                                0                        0                                   (0)            0                  Others, right of use assets
                   Aset hak guna                       12,724,282                 3,225,839             ( 13,982,294 )                            0                                       0                                0                        0                                   (0)    1,967,827                          Right of use assets

Aset hak guna                                                                                                                                                                                                                                                                                                  Right of use assets
                                                                                                                                          Aset hak guna [baris komponen]
                                Aset hak guna Penambahan aset hak guna Pengurangan aset hak guna Reklasifikasi aset hak guna Penjabaran laporan keuangan aset hak guna Entitas anak baru aset hak guna Revaluasi aset hak guna Penurunan (pemulihan) nilai aset hak guna Aset hak guna
Nilai perolehan Aset hak guna     1,258,012                                                                                                                                                                                                                                               14,899,258 Right of use assets Carrying amount

Page 32
[8612100] Disclosure of Notes to the financial statements - Right of Use Assets - Financing Industry


Pengungkapan                                                                                                                Disclosure
                                                                            30 June 2026
Pengungkapan                                                                                                                      Disclosure
  Pengungkapan catatan atas aset hak guna                                                              Disclosure of notes for right of use
                                                                                                                                    assets

Page 33
[8695000_BD] Notes to the financial statements - Borrowings, by creditor, by currency (breakdown) - Financing Industry



30 June 2026                                                                                                                                                                           31 December 2025


Catatan pinjaman                                                        Notes for borrowings              Catatan pinjaman                                                        Notes for borrowings
                                   Catatan pinjaman [baris komponen]                                                                         Catatan pinjaman [baris komponen]
                          Pinjaman dalam mata uang                                                                                  Pinjaman dalam mata uang
                                                             Pinjaman                                                                                                  Pinjaman
                                    asing                                                                                                     asing
Bank Central    IDR                   99,975,200                 99,975,200   Bank Central          IDR   Bank Central    IDR             100,432,342,853            100,432,342,853   Bank Central          IDR
Asia Tbk        AUD                                                              Asia Tbk          AUD    Asia Tbk        AUD                                                             Asia Tbk          AUD
                CAD                                                                                CAD                    CAD                                                                               CAD
                CNY                                                                                CNY                    CNY                                                                               CNY
                EUR                                                                                EUR                    EUR                                                                               EUR
                HKD                                                                                HKD                    HKD                                                                               HKD
                GBP                                                                                GBP                    GBP                                                                               GBP
                JPY                                                                                 JPY                   JPY                                                                                JPY
                SGD                                                                                SGD                    SGD                                                                               SGD
                THB                                                                                THB                    THB                                                                               THB
                USD                                                                                USD                    USD                                                                               USD
                Mata                                                                              Other                   Mata                                                                             Other
                uang                                                                           currency                   uang                                                                          currency
                lainnya                                                                                                   lainnya
                Mata                                             99,975,200                   Currency                    Mata                                       100,432,342,853                   Currency
                uang                                                                                                      uang
Bank Rakyat     IDR                                                            Bank Rakyat         IDR    Bank Rakyat     IDR                                                           Bank Rakyat         IDR
Indonesia       AUD                                                               Indonesia       AUD     Indonesia       AUD                                                              Indonesia       AUD
(Persero) Tbk   CAD                                                           (Persero) Tbk       CAD     (Persero) Tbk   CAD                                                          (Persero) Tbk       CAD
                CNY                                                                               CNY                     CNY                                                                              CNY
                EUR                                                                               EUR                     EUR                                                                              EUR
                HKD                                                                               HKD                     HKD                                                                              HKD
                GBP                                                                               GBP                     GBP                                                                              GBP
                JPY                                                                               JPY                     JPY                                                                              JPY
                SGD                                                                              SGD                      SGD                                                                             SGD
                THB                                                                               THB                     THB                                                                              THB
                USD                                                                               USD                     USD                                                                              USD
                Mata                                                                             Other                    Mata                                                                            Other

Page 34
              uang                                                 currency                 uang                                                         currency
              lainnya                                                                       lainnya
              Mata                                                Currency                  Mata                                                        Currency
              uang                                                                          uang
Bank Mandiri IDR        50,236,163   50,236,163    Bank Mandiri         IDR   Bank Mandiri IDR        83,569,496,310   83,569,496,310    Bank Mandiri         IDR
(Persero) Tbk AUD                                 (Persero) Tbk        AUD    (Persero) Tbk AUD                                         (Persero) Tbk        AUD
              CAD                                                      CAD                  CAD                                                              CAD
              CNY                                                      CNY                  CNY                                                              CNY
              EUR                                                      EUR                  EUR                                                              EUR
              HKD                                                      HKD                  HKD                                                              HKD
              GBP                                                      GBP                  GBP                                                              GBP
              JPY                                                       JPY                 JPY                                                               JPY
              SGD                                                      SGD                  SGD                                                              SGD
              THB                                                      THB                  THB                                                              THB
              USD                                                      USD                  USD                                                              USD
              Mata                                                    Other                 Mata                                                            Other
              uang                                                 currency                 uang                                                         currency
              lainnya                                                                       lainnya
              Mata                   50,236,163                   Currency                  Mata                       83,569,496,310                   Currency
              uang                                                                          uang
Bank Syariah IDR                                   Bank Syariah         IDR   Bank Syariah IDR                                           Bank Syariah         IDR
Indonesia Tbk AUD                                 Indonesia Tbk        AUD    Indonesia Tbk AUD                                         Indonesia Tbk        AUD
              CAD                                                      CAD                  CAD                                                              CAD
              CNY                                                      CNY                  CNY                                                              CNY
              EUR                                                      EUR                  EUR                                                              EUR
              HKD                                                      HKD                  HKD                                                              HKD
              GBP                                                      GBP                  GBP                                                              GBP
              JPY                                                       JPY                 JPY                                                               JPY
              SGD                                                      SGD                  SGD                                                              SGD
              THB                                                      THB                  THB                                                              THB
              USD                                                      USD                  USD                                                              USD
              Mata                                                    Other                 Mata                                                            Other
              uang                                                 currency                 uang                                                         currency
              lainnya                                                                       lainnya
              Mata                                                Currency                  Mata                                                        Currency
              uang                                                                          uang
Bank Negara IDR                                    Bank Negara         IDR    Bank Negara IDR                                            Bank Negara         IDR
Indonesia     AUD                                     Indonesia       AUD     Indonesia     AUD                                             Indonesia       AUD
(Persero) Tbk CAD                                 (Persero) Tbk       CAD     (Persero) Tbk CAD                                         (Persero) Tbk       CAD
              CNY                                                     CNY                   CNY                                                             CNY
              EUR                                                     EUR                   EUR                                                             EUR

Page 35
             HKD                                                     HKD                 HKD                                                                HKD
             GBP                                                     GBP                 GBP                                                                GBP
             JPY                                                      JPY                JPY                                                                 JPY
             SGD                                                     SGD                 SGD                                                                SGD
             THB                                                     THB                 THB                                                                THB
             USD                                                     USD                 USD                                                                USD
             Mata                                                   Other                Mata                                                              Other
             uang                                                currency                uang                                                           currency
             lainnya                                                                     lainnya
             Mata                                               Currency                 Mata                                                          Currency
             uang                                                                        uang
Bank Jago    IDR       262,898,556   262,898,556    Bank Jago         IDR   Bank Jago    IDR       1,308,711,489,350   1,308,711,489,350   Bank Jago         IDR
Tbk          AUD                                          Tbk        AUD    Tbk          AUD                                                     Tbk        AUD
             CAD                                                     CAD                 CAD                                                                CAD
             CNY                                                     CNY                 CNY                                                                CNY
             EUR                                                     EUR                 EUR                                                                EUR
             HKD                                                     HKD                 HKD                                                                HKD
             GBP                                                     GBP                 GBP                                                                GBP
             JPY                                                      JPY                JPY                                                                 JPY
             SGD                                                     SGD                 SGD                                                                SGD
             THB                                                     THB                 THB                                                                THB
             USD                                                     USD                 USD                                                                USD
             Mata                                                   Other                Mata                                                              Other
             uang                                                currency                uang                                                           currency
             lainnya                                                                     lainnya
             Mata                    262,898,556                Currency                 Mata                          1,308,711,489,350               Currency
             uang                                                                        uang
Bank Permata IDR        90,066,356    90,066,356 Bank Permata         IDR   Bank Permata IDR        213,413,207,020     213,413,207,020 Bank Permata         IDR
Tbk          AUD                                          Tbk        AUD    Tbk          AUD                                                     Tbk        AUD
             CAD                                                     CAD                 CAD                                                                CAD
             CNY                                                     CNY                 CNY                                                                CNY
             EUR                                                     EUR                 EUR                                                                EUR
             HKD                                                     HKD                 HKD                                                                HKD
             GBP                                                     GBP                 GBP                                                                GBP
             JPY                                                      JPY                JPY                                                                 JPY
             SGD                                                     SGD                 SGD                                                                SGD
             THB                                                     THB                 THB                                                                THB
             USD                                                     USD                 USD                                                                USD
             Mata                                                   Other                Mata                                                              Other
             uang                                                currency                uang                                                           currency
             lainnya                                                                     lainnya

Page 36
              Mata      90,066,356                    Currency                  Mata      213,413,207,020                    Currency
              uang                                                              uang
Bank Mega     IDR                      Bank Mega            IDR   Bank Mega     IDR                           Bank Mega            IDR
Tbk           AUD                            Tbk           AUD    Tbk           AUD                                 Tbk           AUD
              CAD                                          CAD                  CAD                                               CAD
              CNY                                          CNY                  CNY                                               CNY
              EUR                                          EUR                  EUR                                               EUR
              HKD                                          HKD                  HKD                                               HKD
              GBP                                          GBP                  GBP                                               GBP
              JPY                                           JPY                 JPY                                                JPY
              SGD                                          SGD                  SGD                                               SGD
              THB                                          THB                  THB                                               THB
              USD                                          USD                  USD                                               USD
              Mata                                        Other                 Mata                                             Other
              uang                                     currency                 uang                                          currency
              lainnya                                                           lainnya
              Mata                                    Currency                  Mata                                         Currency
              uang                                                              uang
Bank          IDR                             Bank          IDR   Bank          IDR                                  Bank          IDR
Mayapada      AUD                        Mayapada          AUD    Mayapada      AUD                             Mayapada          AUD
Internasional CAD                     Internasional        CAD    Internasional CAD                          Internasional        CAD
Tbk                                            Tbk                Tbk                                                 Tbk
              CNY                                          CNY                  CNY                                               CNY
              EUR                                          EUR                  EUR                                               EUR
              HKD                                          HKD                  HKD                                               HKD
              GBP                                          GBP                  GBP                                               GBP
              JPY                                           JPY                 JPY                                                JPY
              SGD                                          SGD                  SGD                                               SGD
              THB                                          THB                  THB                                               THB
              USD                                          USD                  USD                                               USD
              Mata                                        Other                 Mata                                             Other
              uang                                     currency                 uang                                          currency
              lainnya                                                           lainnya
              Mata                                    Currency                  Mata                                         Currency
              uang                                                              uang
Bank          IDR                            Bank          IDR    Bank          IDR                                 Bank          IDR
Danamon       AUD                        Danamon          AUD     Danamon       AUD                             Danamon          AUD
Indonesia Tbk CAD                    Indonesia Tbk        CAD     Indonesia Tbk CAD                         Indonesia Tbk        CAD
              CNY                                         CNY                   CNY                                              CNY
              EUR                                         EUR                   EUR                                              EUR
              HKD                                         HKD                   HKD                                              HKD

Page 37
              GBP                            GBP                  GBP                            GBP
              JPY                             JPY                 JPY                             JPY
              SGD                            SGD                  SGD                            SGD
              THB                            THB                  THB                            THB
              USD                            USD                  USD                            USD
              Mata                          Other                 Mata                          Other
              uang                       currency                 uang                       currency
              lainnya                                             lainnya
              Mata                      Currency                  Mata                      Currency
              uang                                                uang
Bank BTPN     IDR        Bank BTPN            IDR   Bank BTPN     IDR        Bank BTPN            IDR
Syariah Tbk   AUD        Syariah Tbk         AUD    Syariah Tbk   AUD        Syariah Tbk         AUD
              CAD                            CAD                  CAD                            CAD
              CNY                            CNY                  CNY                            CNY
              EUR                            EUR                  EUR                            EUR
              HKD                            HKD                  HKD                            HKD
              GBP                            GBP                  GBP                            GBP
              JPY                             JPY                 JPY                             JPY
              SGD                            SGD                  SGD                            SGD
              THB                            THB                  THB                            THB
              USD                            USD                  USD                            USD
              Mata                          Other                 Mata                          Other
              uang                       currency                 uang                       currency
              lainnya                                             lainnya
              Mata                      Currency                  Mata                      Currency
              uang                                                uang
Bank          IDR               Bank          IDR   Bank          IDR               Bank          IDR
Maybank       AUD            Maybank         AUD    Maybank       AUD            Maybank         AUD
Indonesia Tbk CAD       Indonesia Tbk        CAD    Indonesia Tbk CAD       Indonesia Tbk        CAD
              CNY                            CNY                  CNY                            CNY
              EUR                            EUR                  EUR                            EUR
              HKD                            HKD                  HKD                            HKD
              GBP                            GBP                  GBP                            GBP
              JPY                             JPY                 JPY                             JPY
              SGD                            SGD                  SGD                            SGD
              THB                            THB                  THB                            THB
              USD                            USD                  USD                            USD
              Mata                          Other                 Mata                          Other
              uang                       currency                 uang                       currency
              lainnya                                             lainnya
              Mata                      Currency                  Mata                      Currency

Page 38
              uang                                                uang
Bank Pan      IDR           Bank Pan          IDR   Bank Pan      IDR           Bank Pan          IDR
Indonesia Tbk AUD       Indonesia Tbk        AUD    Indonesia Tbk AUD       Indonesia Tbk        AUD
              CAD                            CAD                  CAD                            CAD
              CNY                            CNY                  CNY                            CNY
              EUR                            EUR                  EUR                            EUR
              HKD                            HKD                  HKD                            HKD
              GBP                            GBP                  GBP                            GBP
              JPY                             JPY                 JPY                             JPY
              SGD                            SGD                  SGD                            SGD
              THB                            THB                  THB                            THB
              USD                            USD                  USD                            USD
              Mata                          Other                 Mata                          Other
              uang                       currency                 uang                       currency
              lainnya                                             lainnya
              Mata                      Currency                  Mata                      Currency
              uang                                                uang
Bank Cimb     IDR          Bank Cimb          IDR   Bank Cimb     IDR          Bank Cimb          IDR
Niaga Tbk     AUD           Niaga Tbk        AUD    Niaga Tbk     AUD           Niaga Tbk        AUD
              CAD                            CAD                  CAD                            CAD
              CNY                            CNY                  CNY                            CNY
              EUR                            EUR                  EUR                            EUR
              HKD                            HKD                  HKD                            HKD
              GBP                            GBP                  GBP                            GBP
              JPY                             JPY                 JPY                             JPY
              SGD                            SGD                  SGD                            SGD
              THB                            THB                  THB                            THB
              USD                            USD                  USD                            USD
              Mata                          Other                 Mata                          Other
              uang                       currency                 uang                       currency
              lainnya                                             lainnya
              Mata                      Currency                  Mata                      Currency
              uang                                                uang
Bank Rakyat   IDR        Bank Rakyat         IDR    Bank Rakyat   IDR        Bank Rakyat         IDR
Indonesia     AUD           Indonesia       AUD     Indonesia     AUD           Indonesia       AUD
Agroniaga Tbk CAD       Agroniaga Tbk       CAD     Agroniaga Tbk CAD       Agroniaga Tbk       CAD
              CNY                           CNY                   CNY                           CNY
              EUR                           EUR                   EUR                           EUR
              HKD                           HKD                   HKD                           HKD
              GBP                           GBP                   GBP                           GBP

Page 39
                JPY                             JPY                   JPY                             JPY
                SGD                            SGD                    SGD                            SGD
                THB                            THB                    THB                            THB
                USD                            USD                    USD                            USD
                Mata                          Other                   Mata                          Other
                uang                       currency                   uang                       currency
                lainnya                                               lainnya
                Mata                      Currency                    Mata                      Currency
                uang                                                  uang
Bank Btpn       IDR          Bank Btpn          IDR   Bank Btpn       IDR          Bank Btpn          IDR
Tbk             AUD                Tbk         AUD    Tbk             AUD                Tbk         AUD
                CAD                            CAD                    CAD                            CAD
                CNY                            CNY                    CNY                            CNY
                EUR                            EUR                    EUR                            EUR
                HKD                            HKD                    HKD                            HKD
                GBP                            GBP                    GBP                            GBP
                JPY                             JPY                   JPY                             JPY
                SGD                            SGD                    SGD                            SGD
                THB                            THB                    THB                            THB
                USD                            USD                    USD                            USD
                Mata                          Other                   Mata                          Other
                uang                       currency                   uang                       currency
                lainnya                                               lainnya
                Mata                      Currency                    Mata                      Currency
                uang                                                  uang
Bank            IDR               Bank          IDR   Bank            IDR               Bank          IDR
Tabungan        AUD          Tabungan          AUD    Tabungan        AUD          Tabungan          AUD
Negara          CAD             Negara         CAD    Negara          CAD             Negara         CAD
(Persero) Tbk             (Persero) Tbk               (Persero) Tbk             (Persero) Tbk
                CNY                            CNY                    CNY                            CNY
                EUR                            EUR                    EUR                            EUR
                HKD                            HKD                    HKD                            HKD
                GBP                            GBP                    GBP                            GBP
                JPY                             JPY                   JPY                             JPY
                SGD                            SGD                    SGD                            SGD
                THB                            THB                    THB                            THB
                USD                            USD                    USD                            USD
                Mata                          Other                   Mata                          Other
                uang                       currency                   uang                       currency
                lainnya                                               lainnya
                Mata                      Currency                    Mata                      Currency
                uang                                                  uang

Page 40
Bank OCBC   IDR                                    Bank OCBC           IDR   Bank OCBC   IDR                                            Bank OCBC           IDR
Nisp Tbk    AUD                                       Nisp Tbk        AUD    Nisp Tbk    AUD                                               Nisp Tbk        AUD
            CAD                                                       CAD                CAD                                                               CAD
            CNY                                                       CNY                CNY                                                               CNY
            EUR                                                       EUR                EUR                                                               EUR
            HKD                                                       HKD                HKD                                                               HKD
            GBP                                                       GBP                GBP                                                               GBP
            JPY                                                        JPY               JPY                                                                JPY
            SGD                                                       SGD                SGD                                                               SGD
            THB                                                       THB                THB                                                               THB
            USD                                                       USD                USD                                                               USD
            Mata                                                     Other               Mata                                                             Other
            uang                                                  currency               uang                                                          currency
            lainnya                                                                      lainnya
            Mata                                                 Currency                Mata                                                         Currency
            uang                                                                         uang
Bank KB     IDR       135,100,902   135,100,902       Bank KB          IDR   Bank KB     IDR       115,822,316,680   115,822,316,680       Bank KB          IDR
Bukopin Tbk AUD                                    Bukopin Tbk        AUD    Bukopin Tbk AUD                                            Bukopin Tbk        AUD
            CAD                                                       CAD                CAD                                                               CAD
            CNY                                                       CNY                CNY                                                               CNY
            EUR                                                       EUR                EUR                                                               EUR
            HKD                                                       HKD                HKD                                                               HKD
            GBP                                                       GBP                GBP                                                               GBP
            JPY                                                        JPY               JPY                                                                JPY
            SGD                                                       SGD                SGD                                                               SGD
            THB                                                       THB                THB                                                               THB
            USD                                                       USD                USD                                                               USD
            Mata                                                     Other               Mata                                                             Other
            uang                                                  currency               uang                                                          currency
            lainnya                                                                      lainnya
            Mata                    135,100,902                  Currency                Mata                        115,822,316,680                  Currency
            uang                                                                         uang
Bank        IDR                                           Bank        IDR    Bank        IDR                                                   Bank        IDR
Pembangunan AUD                                   Pembangunan        AUD     Pembangunan AUD                                           Pembangunan        AUD
Daerah Jawa CAD                                    Daerah Jawa       CAD     Daerah Jawa CAD                                            Daerah Jawa       CAD
Barat dan                                            Barat dan               Barat dan                                                    Barat dan
Banten Tbk  CNY                                     Banten Tbk       CNY     Banten Tbk  CNY                                             Banten Tbk       CNY
            EUR                                                      EUR                 EUR                                                              EUR
            HKD                                                      HKD                 HKD                                                              HKD
            GBP                                                      GBP                 GBP                                                              GBP
            JPY                                                      JPY                 JPY                                                              JPY

Page 41
             SGD                                                            SGD                 SGD                                                                SGD
             THB                                                            THB                 THB                                                                THB
             USD                                                            USD                 USD                                                                USD
             Mata                                                          Other                Mata                                                              Other
             uang                                                       currency                uang                                                           currency
             lainnya                                                                            lainnya
             Mata                                                      Currency                 Mata                                                          Currency
             uang                                                                               uang
Pinjaman     IDR                                        Syndicated           IDR   Pinjaman     IDR                                            Syndicated           IDR
sindikasi    AUD                                        bank loans          AUD    sindikasi    AUD                                            bank loans          AUD
             CAD                                                            CAD                 CAD                                                                CAD
             CNY                                                            CNY                 CNY                                                                CNY
             EUR                                                            EUR                 EUR                                                                EUR
             HKD                                                            HKD                 HKD                                                                HKD
             GBP                                                            GBP                 GBP                                                                GBP
             JPY                                                             JPY                JPY                                                                 JPY
             SGD                                                            SGD                 SGD                                                                SGD
             THB                                                            THB                 THB                                                                THB
             USD                                                            USD                 USD                                                                USD
             Mata                                                          Other                Mata                                                              Other
             uang                                                       currency                uang                                                           currency
             lainnya                                                                            lainnya
             Mata                                                      Currency                 Mata                                                          Currency
             uang                                                                               uang
Bank asing   IDR                                       Other foreign         IDR   Bank asing   IDR        35,561,058,000    35,561,058,000   Other foreign         IDR
lainnya      AUD                                              banks         AUD    lainnya      AUD                                                  banks         AUD
             CAD                                                            CAD                 CAD                                                                CAD
             CNY                                                            CNY                 CNY                                                                CNY
             EUR                                                            EUR                 EUR                                                                EUR
             HKD                                                            HKD                 HKD                                                                HKD
             GBP                                                            GBP                 GBP                                                                GBP
             JPY                                                             JPY                JPY                                                                 JPY
             SGD                                                            SGD                 SGD                                                                SGD
             THB                                                            THB                 THB                                                                THB
             USD                                                            USD                 USD                                                                USD
             Mata                                                          Other                Mata                                                              Other
             uang                                                       currency                uang                                                           currency
             lainnya                                                                            lainnya
             Mata                                                      Currency                 Mata                         35,561,058,000                   Currency
             uang                                                                               uang
Bank lokal   IDR       1,767,002,515   1,767,002,515     Other local        IDR    Bank lokal   IDR       971,525,150,681   971,525,150,681     Other local        IDR

Page 42
lainnya         AUD                                                               banks        AUD    lainnya         AUD                                                               banks        AUD
                CAD                                                                            CAD                    CAD                                                                            CAD
                CNY                                                                            CNY                    CNY                                                                            CNY
                EUR                                                                            EUR                    EUR                                                                            EUR
                HKD                                                                            HKD                    HKD                                                                            HKD
                GBP                                                                            GBP                    GBP                                                                            GBP
                JPY                                                                             JPY                   JPY                                                                             JPY
                SGD                                                                            SGD                    SGD                                                                            SGD
                THB                                                                            THB                    THB                                                                            THB
                USD                                                                            USD                    USD                                                                            USD
                Mata                                                                          Other                   Mata                                                                          Other
                uang                                                                       currency                   uang                                                                       currency
                lainnya                                                                                               lainnya
                Mata                                        1,767,002,515                 Currency                    Mata                                      971,525,150,681                 Currency
                uang                                                                                                  uang



30 June 2026                                                                                                                                                                       31 December 2025


Catatan pinjaman                                                          Notes for borrowings        Catatan pinjaman                                                          Notes for borrowings
                                 Catatan pinjaman [baris komponen]                                                                     Catatan pinjaman [baris komponen]
                 Pinjaman dalam mata uang asing                Pinjaman                                                Pinjaman dalam mata uang asing                Pinjaman
Kreditur Mata                                                                    Creditor Currency    Kreditur Mata                                                                    Creditor Currency
nama     uang                                                                       bank              nama     uang                                                                       bank
bank                                                                               name               bank                                                                               name

Page 43
[8695100] Disclosure of Notes to the financial statements - Borrowings - Financing Industry


Pengungkapan                                                                                                      Disclosure
                                                                           30 June 2026
Pengungkapan                                                                                                            Disclosure
  Pengungkapan catatan atas pinjaman                                                          Disclosure of notes for borrowings

Page 44
[8697000_BD] Notes to the financial statements - Bank Loans by Order of Liquidity Interest Information (breakdown) - Financing Industry



30 June 2026                                                                                                                                                                                       31 December 2025


Catatan utang bank berdasarkan tingkat                                   Notes for bank loans by               Catatan utang bank berdasarkan tingkat                                   Notes for bank loans by
likuiditas                                                                      order of liquidity             likuiditas                                                                      order of liquidity
                                Catatan utang bank berdasarkan tingkat likuiditas                                                              Catatan utang bank berdasarkan tingkat likuiditas
                                                  [baris komponen]                                                                                               [baris komponen]
                                                             Jatuh                                                                                                          Jatuh
                                Utang bank berdasarkan                                                                                         Utang bank berdasarkan
                                                             tempo          Jenis                                                                                           tempo          Jenis
                                 tingkat likuiditas, nilai         Bunga                                                                        tingkat likuiditas, nilai         Bunga
                                                             utang          bunga                                                                                           utang          bunga
                                dalam mata uang asing                                                                                          dalam mata uang asing
                                                              bank                                                                                                           bank
Bank Central Asia     IDR                                                           Bank Central         IDR   Bank Central Asia     IDR                                                             Bank Central         IDR
Tbk                   AUD                                                              Asia Tbk         AUD    Tbk                   AUD                                                                Asia Tbk         AUD
                      CAD                                                                               CAD                          CAD                                                                                 CAD
                      CNY                                                                               CNY                          CNY                                                                                 CNY
                      EUR                                                                               EUR                          EUR                                                                                 EUR
                      HKD                                                                               HKD                          HKD                                                                                 HKD
                      GBP                                                                               GBP                          GBP                                                                                 GBP
                      JPY                                                                                JPY                         JPY                                                                                  JPY
                      SGD                                                                               SGD                          SGD                                                                                 SGD
                      THB                                                                               THB                          THB                                                                                 THB
                      USD                                                                               USD                          USD                                                                                 USD
                      Mata                                                                             Other                         Mata                                                                               Other
                      uang                                                                          currency                         uang                                                                            currency
                      lainnya                                                                                                        lainnya
Bank Rakyat           IDR                                                            Bank Rakyat        IDR    Bank Rakyat           IDR                                                              Bank Rakyat        IDR
Indonesia (Persero)   AUD                                                               Indonesia      AUD     Indonesia (Persero)   AUD                                                                 Indonesia      AUD
Tbk                   CAD                                                           (Persero) Tbk      CAD     Tbk                   CAD                                                             (Persero) Tbk      CAD
                      CNY                                                                              CNY                           CNY                                                                                CNY
                      EUR                                                                              EUR                           EUR                                                                                EUR
                      HKD                                                                              HKD                           HKD                                                                                HKD
                      GBP                                                                              GBP                           GBP                                                                                GBP
                      JPY                                                                               JPY                          JPY                                                                                 JPY
                      SGD                                                                              SGD                           SGD                                                                                SGD
                      THB                                                                              THB                           THB                                                                                THB
                      USD                                                                              USD                           USD                                                                                USD

Page 45
                      Mata                         Other                         Mata                         Other
                      uang                      currency                         uang                      currency
                      lainnya                                                    lainnya
Bank Mandiri          IDR        Bank Mandiri        IDR   Bank Mandiri          IDR        Bank Mandiri        IDR
(Persero) Tbk         AUD       (Persero) Tbk       AUD    (Persero) Tbk         AUD       (Persero) Tbk       AUD
                      CAD                           CAD                          CAD                           CAD
                      CNY                           CNY                          CNY                           CNY
                      EUR                           EUR                          EUR                           EUR
                      HKD                           HKD                          HKD                           HKD
                      GBP                           GBP                          GBP                           GBP
                      JPY                            JPY                         JPY                            JPY
                      SGD                           SGD                          SGD                           SGD
                      THB                           THB                          THB                           THB
                      USD                           USD                          USD                           USD
                      Mata                         Other                         Mata                         Other
                      uang                      currency                         uang                      currency
                      lainnya                                                    lainnya
Bank Syariah          IDR        Bank Syariah        IDR   Bank Syariah          IDR        Bank Syariah        IDR
Indonesia Tbk         AUD       Indonesia Tbk       AUD    Indonesia Tbk         AUD       Indonesia Tbk       AUD
                      CAD                           CAD                          CAD                           CAD
                      CNY                           CNY                          CNY                           CNY
                      EUR                           EUR                          EUR                           EUR
                      HKD                           HKD                          HKD                           HKD
                      GBP                           GBP                          GBP                           GBP
                      JPY                            JPY                         JPY                            JPY
                      SGD                           SGD                          SGD                           SGD
                      THB                           THB                          THB                           THB
                      USD                           USD                          USD                           USD
                      Mata                         Other                         Mata                         Other
                      uang                      currency                         uang                      currency
                      lainnya                                                    lainnya
Bank Negara           IDR        Bank Negara        IDR    Bank Negara           IDR        Bank Negara        IDR
Indonesia (Persero)   AUD           Indonesia      AUD     Indonesia (Persero)   AUD           Indonesia      AUD
Tbk                   CAD       (Persero) Tbk      CAD     Tbk                   CAD       (Persero) Tbk      CAD
                      CNY                          CNY                           CNY                          CNY
                      EUR                          EUR                           EUR                          EUR
                      HKD                          HKD                           HKD                          HKD
                      GBP                          GBP                           GBP                          GBP
                      JPY                           JPY                          JPY                           JPY
                      SGD                          SGD                           SGD                          SGD

Page 46
                   THB                           THB                       THB                           THB
                   USD                           USD                       USD                           USD
                   Mata                         Other                      Mata                         Other
                   uang                      currency                      uang                      currency
                   lainnya                                                 lainnya
Bank Jago Tbk      IDR       Bank Jago Tbk        IDR   Bank Jago Tbk      IDR       Bank Jago Tbk        IDR
                   AUD                           AUD                       AUD                           AUD
                   CAD                           CAD                       CAD                           CAD
                   CNY                           CNY                       CNY                           CNY
                   EUR                           EUR                       EUR                           EUR
                   HKD                           HKD                       HKD                           HKD
                   GBP                           GBP                       GBP                           GBP
                   JPY                            JPY                      JPY                            JPY
                   SGD                           SGD                       SGD                           SGD
                   THB                           THB                       THB                           THB
                   USD                           USD                       USD                           USD
                   Mata                         Other                      Mata                         Other
                   uang                      currency                      uang                      currency
                   lainnya                                                 lainnya
Bank Permata Tbk   IDR        Bank Permata        IDR   Bank Permata Tbk   IDR        Bank Permata        IDR
                   AUD                 Tbk       AUD                       AUD                 Tbk       AUD
                   CAD                           CAD                       CAD                           CAD
                   CNY                           CNY                       CNY                           CNY
                   EUR                           EUR                       EUR                           EUR
                   HKD                           HKD                       HKD                           HKD
                   GBP                           GBP                       GBP                           GBP
                   JPY                            JPY                      JPY                            JPY
                   SGD                           SGD                       SGD                           SGD
                   THB                           THB                       THB                           THB
                   USD                           USD                       USD                           USD
                   Mata                         Other                      Mata                         Other
                   uang                      currency                      uang                      currency
                   lainnya                                                 lainnya
Bank Mega Tbk      IDR       Bank Mega Tbk       IDR    Bank Mega Tbk      IDR       Bank Mega Tbk       IDR
                   AUD                          AUD                        AUD                          AUD
                   CAD                          CAD                        CAD                          CAD
                   CNY                          CNY                        CNY                          CNY
                   EUR                          EUR                        EUR                          EUR
                   HKD                          HKD                        HKD                          HKD
                   GBP                          GBP                        GBP                          GBP

Page 47
                  JPY                                JPY                     JPY                                JPY
                  SGD                               SGD                      SGD                               SGD
                  THB                               THB                      THB                               THB
                  USD                               USD                      USD                               USD
                  Mata                             Other                     Mata                             Other
                  uang                          currency                     uang                          currency
                  lainnya                                                    lainnya
Bank Mayapada     IDR        Bank Mayapada           IDR   Bank Mayapada     IDR        Bank Mayapada           IDR
Internasional Tbk AUD       Internasional Tbk       AUD    Internasional Tbk AUD       Internasional Tbk       AUD
                  CAD                               CAD                      CAD                               CAD
                  CNY                               CNY                      CNY                               CNY
                  EUR                               EUR                      EUR                               EUR
                  HKD                               HKD                      HKD                               HKD
                  GBP                               GBP                      GBP                               GBP
                  JPY                                JPY                     JPY                                JPY
                  SGD                               SGD                      SGD                               SGD
                  THB                               THB                      THB                               THB
                  USD                               USD                      USD                               USD
                  Mata                             Other                     Mata                             Other
                  uang                          currency                     uang                          currency
                  lainnya                                                    lainnya
Bank Danamon      IDR        Bank Danamon            IDR   Bank Danamon      IDR        Bank Danamon            IDR
Indonesia Tbk     AUD         Indonesia Tbk         AUD    Indonesia Tbk     AUD         Indonesia Tbk         AUD
                  CAD                               CAD                      CAD                               CAD
                  CNY                               CNY                      CNY                               CNY
                  EUR                               EUR                      EUR                               EUR
                  HKD                               HKD                      HKD                               HKD
                  GBP                               GBP                      GBP                               GBP
                  JPY                                JPY                     JPY                                JPY
                  SGD                               SGD                      SGD                               SGD
                  THB                               THB                      THB                               THB
                  USD                               USD                      USD                               USD
                  Mata                             Other                     Mata                             Other
                  uang                          currency                     uang                          currency
                  lainnya                                                    lainnya
Bank BTPN Syariah IDR            Bank BTPN          IDR    Bank BTPN Syariah IDR            Bank BTPN          IDR
Tbk               AUD            Syariah Tbk       AUD     Tbk               AUD            Syariah Tbk       AUD
                  CAD                              CAD                       CAD                              CAD
                  CNY                              CNY                       CNY                              CNY
                  EUR                              EUR                       EUR                              EUR

Page 48
                   HKD                              HKD                       HKD                              HKD
                   GBP                              GBP                       GBP                              GBP
                   JPY                               JPY                      JPY                               JPY
                   SGD                              SGD                       SGD                              SGD
                   THB                              THB                       THB                              THB
                   USD                              USD                       USD                              USD
                   Mata                            Other                      Mata                            Other
                   uang                         currency                      uang                         currency
                   lainnya                                                    lainnya
Bank Maybank       IDR         Bank Maybank          IDR   Bank Maybank       IDR         Bank Maybank          IDR
Indonesia Tbk      AUD          Indonesia Tbk       AUD    Indonesia Tbk      AUD          Indonesia Tbk       AUD
                   CAD                              CAD                       CAD                              CAD
                   CNY                              CNY                       CNY                              CNY
                   EUR                              EUR                       EUR                              EUR
                   HKD                              HKD                       HKD                              HKD
                   GBP                              GBP                       GBP                              GBP
                   JPY                               JPY                      JPY                               JPY
                   SGD                              SGD                       SGD                              SGD
                   THB                              THB                       THB                              THB
                   USD                              USD                       USD                              USD
                   Mata                            Other                      Mata                            Other
                   uang                         currency                      uang                         currency
                   lainnya                                                    lainnya
Bank Pan Indonesia IDR             Bank Pan          IDR   Bank Pan Indonesia IDR             Bank Pan          IDR
Tbk                AUD         Indonesia Tbk        AUD    Tbk                AUD         Indonesia Tbk        AUD
                   CAD                              CAD                       CAD                              CAD
                   CNY                              CNY                       CNY                              CNY
                   EUR                              EUR                       EUR                              EUR
                   HKD                              HKD                       HKD                              HKD
                   GBP                              GBP                       GBP                              GBP
                   JPY                               JPY                      JPY                               JPY
                   SGD                              SGD                       SGD                              SGD
                   THB                              THB                       THB                              THB
                   USD                              USD                       USD                              USD
                   Mata                            Other                      Mata                            Other
                   uang                         currency                      uang                         currency
                   lainnya                                                    lainnya
Bank Cimb Niaga    IDR       Bank Cimb Niaga        IDR    Bank Cimb Niaga    IDR       Bank Cimb Niaga        IDR
Tbk                AUD                   Tbk       AUD     Tbk                AUD                   Tbk       AUD
                   CAD                             CAD                        CAD                             CAD

Page 49
                     CNY                              CNY                         CNY                              CNY
                     EUR                              EUR                         EUR                              EUR
                     HKD                              HKD                         HKD                              HKD
                     GBP                              GBP                         GBP                              GBP
                     JPY                               JPY                        JPY                               JPY
                     SGD                              SGD                         SGD                              SGD
                     THB                              THB                         THB                              THB
                     USD                              USD                         USD                              USD
                     Mata                            Other                        Mata                            Other
                     uang                         currency                        uang                         currency
                     lainnya                                                      lainnya
Bank Rakyat          IDR          Bank Rakyat          IDR   Bank Rakyat          IDR          Bank Rakyat          IDR
Indonesia Agroniaga AUD              Indonesia        AUD    Indonesia Agroniaga AUD              Indonesia        AUD
Tbk                  CAD         Agroniaga Tbk        CAD    Tbk                  CAD         Agroniaga Tbk        CAD
                     CNY                              CNY                         CNY                              CNY
                     EUR                              EUR                         EUR                              EUR
                     HKD                              HKD                         HKD                              HKD
                     GBP                              GBP                         GBP                              GBP
                     JPY                               JPY                        JPY                               JPY
                     SGD                              SGD                         SGD                              SGD
                     THB                              THB                         THB                              THB
                     USD                              USD                         USD                              USD
                     Mata                            Other                        Mata                            Other
                     uang                         currency                        uang                         currency
                     lainnya                                                      lainnya
Bank Btpn Tbk        IDR         Bank Btpn Tbk         IDR   Bank Btpn Tbk        IDR         Bank Btpn Tbk         IDR
                     AUD                              AUD                         AUD                              AUD
                     CAD                              CAD                         CAD                              CAD
                     CNY                              CNY                         CNY                              CNY
                     EUR                              EUR                         EUR                              EUR
                     HKD                              HKD                         HKD                              HKD
                     GBP                              GBP                         GBP                              GBP
                     JPY                               JPY                        JPY                               JPY
                     SGD                              SGD                         SGD                              SGD
                     THB                              THB                         THB                              THB
                     USD                              USD                         USD                              USD
                     Mata                            Other                        Mata                            Other
                     uang                         currency                        uang                         currency
                     lainnya                                                      lainnya
Bank Tabungan        IDR        Bank Tabungan         IDR    Bank Tabungan        IDR        Bank Tabungan         IDR
Negara (Persero) Tbk           Negara (Persero)              Negara (Persero) Tbk           Negara (Persero)

Page 50
                   AUD                  Tbk        AUD                       AUD                  Tbk        AUD
                   CAD                             CAD                       CAD                             CAD
                   CNY                             CNY                       CNY                             CNY
                   EUR                             EUR                       EUR                             EUR
                   HKD                             HKD                       HKD                             HKD
                   GBP                             GBP                       GBP                             GBP
                   JPY                              JPY                      JPY                              JPY
                   SGD                             SGD                       SGD                             SGD
                   THB                             THB                       THB                             THB
                   USD                             USD                       USD                             USD
                   Mata                           Other                      Mata                           Other
                   uang                        currency                      uang                        currency
                   lainnya                                                   lainnya
Bank OCBC Nisp Tbk IDR       Bank OCBC Nisp         IDR   Bank OCBC Nisp Tbk IDR       Bank OCBC Nisp         IDR
                   AUD                 Tbk         AUD                       AUD                 Tbk         AUD
                   CAD                             CAD                       CAD                             CAD
                   CNY                             CNY                       CNY                             CNY
                   EUR                             EUR                       EUR                             EUR
                   HKD                             HKD                       HKD                             HKD
                   GBP                             GBP                       GBP                             GBP
                   JPY                              JPY                      JPY                              JPY
                   SGD                             SGD                       SGD                             SGD
                   THB                             THB                       THB                             THB
                   USD                             USD                       USD                             USD
                   Mata                           Other                      Mata                           Other
                   uang                        currency                      uang                        currency
                   lainnya                                                   lainnya
Bank KB Bukopin    IDR       Bank KB Bukopin        IDR   Bank KB Bukopin    IDR       Bank KB Bukopin        IDR
Tbk                AUD                  Tbk        AUD    Tbk                AUD                  Tbk        AUD
                   CAD                             CAD                       CAD                             CAD
                   CNY                             CNY                       CNY                             CNY
                   EUR                             EUR                       EUR                             EUR
                   HKD                             HKD                       HKD                             HKD
                   GBP                             GBP                       GBP                             GBP
                   JPY                              JPY                      JPY                              JPY
                   SGD                             SGD                       SGD                             SGD
                   THB                             THB                       THB                             THB
                   USD                             USD                       USD                             USD
                   Mata                           Other                      Mata                           Other
                   uang                        currency                      uang                        currency

Page 51
                   lainnya                                                     lainnya
Bank Pembangunan IDR                    Bank          IDR   Bank Pembangunan IDR                    Bank          IDR
Daerah Jawa Barat AUD          Pembangunan           AUD    Daerah Jawa Barat AUD          Pembangunan           AUD
dan Banten Tbk     CAD           Daerah Jawa         CAD    dan Banten Tbk     CAD           Daerah Jawa         CAD
                             Barat dan Banten                                            Barat dan Banten
                   CNY                    Tbk        CNY                       CNY                    Tbk        CNY
                   EUR                               EUR                       EUR                               EUR
                   HKD                               HKD                       HKD                               HKD
                   GBP                               GBP                       GBP                               GBP
                   JPY                                JPY                      JPY                                JPY
                   SGD                               SGD                       SGD                               SGD
                   THB                               THB                       THB                               THB
                   USD                               USD                       USD                               USD
                   Mata                             Other                      Mata                             Other
                   uang                          currency                      uang                          currency
                   lainnya                                                     lainnya
Pinjaman sindikasi IDR       Syndicated bank          IDR   Pinjaman sindikasi IDR       Syndicated bank          IDR
                   AUD                 loans         AUD                       AUD                 loans         AUD
                   CAD                               CAD                       CAD                               CAD
                   CNY                               CNY                       CNY                               CNY
                   EUR                               EUR                       EUR                               EUR
                   HKD                               HKD                       HKD                               HKD
                   GBP                               GBP                       GBP                               GBP
                   JPY                                JPY                      JPY                                JPY
                   SGD                               SGD                       SGD                               SGD
                   THB                               THB                       THB                               THB
                   USD                               USD                       USD                               USD
                   Mata                             Other                      Mata                             Other
                   uang                          currency                      uang                          currency
                   lainnya                                                     lainnya
Bank asing lainnya IDR           Other foreign       IDR    Bank asing lainnya IDR           Other foreign       IDR
                   AUD                  banks       AUD                        AUD                  banks       AUD
                   CAD                              CAD                        CAD                              CAD
                   CNY                              CNY                        CNY                              CNY
                   EUR                              EUR                        EUR                              EUR
                   HKD                              HKD                        HKD                              HKD
                   GBP                              GBP                        GBP                              GBP
                   JPY                               JPY                       JPY                               JPY
                   SGD                              SGD                        SGD                              SGD
                   THB                              THB                        THB                              THB
                   USD                              USD                        USD                              USD

Page 52
                         Mata                                                                                 Other                            Mata                                                                                 Other
                         uang                                                                              currency                            uang                                                                              currency
                         lainnya                                                                                                               lainnya
Bank lokal lainnya       IDR                                                           Other local banks        IDR   Bank lokal lainnya       IDR                                                           Other local banks        IDR
                         AUD                                                                                   AUD                             AUD                                                                                   AUD
                         CAD                                                                                   CAD                             CAD                                                                                   CAD
                         CNY                                                                                   CNY                             CNY                                                                                   CNY
                         EUR                                                                                   EUR                             EUR                                                                                   EUR
                         HKD                                                                                   HKD                             HKD                                                                                   HKD
                         GBP                                                                                   GBP                             GBP                                                                                   GBP
                         JPY                                                                                    JPY                            JPY                                                                                    JPY
                         SGD                                                                                   SGD                             SGD                                                                                   SGD
                         THB                                                                                   THB                             THB                                                                                   THB
                         USD                                                                                   USD                             USD                                                                                   USD
                         Mata                                                                                 Other                            Mata                                                                                 Other
                         uang                                                                              currency                            uang                                                                              currency
                         lainnya                                                                                                               lainnya



30 June 2026                                                                                                                                                                                                 31 December 2025


Catatan utang bank berdasarkan tingkat                                       Notes for bank loans by                  Catatan utang bank berdasarkan tingkat                                       Notes for bank loans by
likuiditas                                                                          order of liquidity                likuiditas                                                                          order of liquidity
                       Catatan utang bank berdasarkan tingkat likuiditas [baris komponen]                                                    Catatan utang bank berdasarkan tingkat likuiditas [baris komponen]
                         Utang bank berdasarkan tingkat      Jatuh tempo             Jenis                                                     Utang bank berdasarkan tingkat      Jatuh tempo             Jenis
                                                                            Bunga                                                                                                                 Bunga
                     likuiditas, nilai dalam mata uang asing utang bank             bunga                                                  likuiditas, nilai dalam mata uang asing utang bank             bunga
Kreditur   Mata                                                                                Creditor Currency      Kreditur   Mata                                                                                Creditor Currency
nama       uang                                                                              bank name                nama       uang                                                                              bank name
bank                                                                                                                  bank


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Size0.54 MB
Published31 Jul 2026
Pages52
Characters355,177
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OCR confidence—

Names mentioned 52 people and organisations named in the text · linked when the evidence is strong

linked org Radana Bhaskara Finance Tbk · Nama Emiten p.1 ×7
linked org Bank Rakyat p.33 ×31
linked org Bank Mandiri p.34 ×13
linked org Bank Jago p.35 ×19
linked org Bank Permata p.35 ×15
linked org Bank Mega p.36 ×19
linked org Bank Central Asia p.44 ×3
linked org Bank Danamon p.47 ×7
linked org Bank BTPN Syariah p.47 ×2
linked org Bank Cimb Niaga p.48 ×7
linked org Bank OCBC Nisp Tbk p.50 ×9
linked org Bank KB Bukopin p.50 ×7
possible org Bank Btpn Tbk p.49 ×8
unresolved org Foreign Corporation p.2
unresolved org Bank Indonesia p.4 ×5
unresolved org Bank Indonesia Giro p.4
unresolved org Bank Central p.33 ×6
unresolved org IDR Asia Tbk p.33
unresolved org Asia Tbk p.33 ×5
unresolved org AUD (Persero) Tbk p.33 ×5
unresolved org Bank Mandiri IDR p.34 ×2
unresolved org IDR (Persero) Tbk p.34 ×11
unresolved org Bank Syariah IDR p.34 ×2
unresolved org Bank Syariah p.34 ×6
unresolved org IDR Indonesia Tbk p.34 ×5
unresolved org Indonesia Tbk p.34 ×23
unresolved org Bank Negara IDR p.34 ×2
unresolved org Bank Permata IDR p.35 ×2
unresolved org CAD Tbk p.36 ×2
unresolved org AUD Indonesia Tbk p.36 ×2
unresolved org IDR Syariah Tbk p.37
unresolved org Syariah Tbk p.37 ×5
unresolved org IDR Niaga Tbk p.38
unresolved org Niaga Tbk p.38 ×3
unresolved org AUD Agroniaga Tbk p.38
unresolved org Agroniaga Tbk p.38 ×5
unresolved org Bank OCBC p.40 ×4
unresolved org IDR Nisp Tbk p.40
unresolved org Nisp Tbk p.40 ×3
unresolved org Bank KB p.40 ×4
unresolved org IDR Bukopin Tbk p.40
unresolved org Bukopin Tbk p.40 ×3
unresolved org Banten Tbk p.40 ×6
unresolved org Bank Mayapada p.47 ×4
unresolved org IDR Internasional Tbk p.47
unresolved org Internasional Tbk p.47 ×3
unresolved org Bank BTPN Syariah IDR p.47 ×2
unresolved org Bank Pan Indonesia IDR p.48 ×2
unresolved org Bank Tabungan p.49 ×4
unresolved org IDR Negara (Persero) Tbk p.49
unresolved org Negara (Persero) Tbk p.49
unresolved org Bank Pembangunan IDR p.51 ×2

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