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 Nomor Surat                           0030/VINS-XT/CORSEC/X/2025

 Nama Perusahaan                       PT Victoria Insurance Tbk.

 Kode Emiten                           VINS

 Lampiran                              1
                                       PERUBAHAN DAN/ATAU TAMBAHAN INFORMASI ATAS KETERBUKAAN
 Perihal
                                       INFORMASI KEPADA PEMEGANG SAHAM PT VICTORIA INSURANCE TBK
                                       (PERSEROAN) SEHUBUNGAN DENGAN PENAMBAHAN MODAL TANPA
                                       HAK MEMESAN EFEK TERLEBIH DAHULU (PMTHMETD)


Dengan ini kami untuk dan atas nama perusahaan menyampaikan Laporan Informasi atau Fakta Material sebagai
berikut:

 Nama Emiten atau Perusahaan Publik            PT Victoria Insurance Tbk.

 Bidang Usaha                                  Asuransi Umum



 Telepon                                       021 3005 5555

 Faksimili                                     -

 Alamat Surat Elektronik (email)               corsec@victoriainsurance.co.id


 Tanggal Kejadian                              16 Oktober 2025
 Jenis Informasi atau Fakta Material           PERUBAHAN DAN/ATAU TAMBAHAN INFORMASI ATAS
                                               KETERBUKAAN INFORMASI KEPADA PEMEGANG SAHAM
                                               PT VICTORIA INSURANCE TBK (PERSEROAN)
                                               SEHUBUNGAN DENGAN PENAMBAHAN MODAL TANPA
                                               HAK MEMESAN EFEK TERLEBIH DAHULU (PMTHMETD)

 Uraian Informasi atau Fakta Material           Merujuk kepada Peraturan Otoritas Jasa Keuangan (OJK)
                                                Nomor 32/POJK.04/2015 sebagaimana diubah oleh Peraturan
                                                OJK No. 14/POJK.04/2019 tentang Penambahan Modal
                                                Perusahaan Terbuka Dengan Memberikan Hak Memesan Efek
                                                Terlebih Dahulu, bersama ini kami sampaikan Perubahan dan
                                                atau Tambahan Informasi atas Keterbukaan
                                                Informasi sehubungan dengan rencana PMTHMETD PT
                                                Victoria InsuranceTbk.
Page 2
Dampak kejadian, informasi atau fakta   Sebelum pelaksanaan PMTHMETD, posisi keuangan
material tersebut terhadap kegiatan     Perseroan menghadapi tantangan dalam pemenuhan
operasional, hukum, kondisi keuangan,   ketentuan ekuitas minimum sebagaimana diwajibkan oleh
atau kelangsungan usaha Emiten atau     POJK No. 23/2023. Pertimbangan utama berasal dari
Perusahaan Publik                       tantangan pencapaian profitabilitas yang mana proyeksi laba
                                        bersih Perseroan hingga tahun 2026 diperkirakan tidak
                                        mencapai kebutuhan ekuitas minimum yang mana
                                        dipersyaratkan paling sedikit Rp250.000.000.000,- (dua ratus
                                        lima puluh miliar Rupiah) yang harus dipenuhi paling lambat
                                        pada tanggal 31 Desember 2026.

                                        Dengan demikian, walaupun Perseroan membukukan laba,
                                        namun pertumbuhan ekuitas organik yang bersumber dari
                                        akumulasi laba ditahan tidak cukup untuk memenuhi
                                        kewajiban pemenuhan ekuitas minimum pada tahap pertama
                                        sebagaimana ketentuan POJK NO. 23/2023. Kondisi ini
                                        menimbulkan risiko ketidakterpenuhinya terhadap ketentuan
                                        regulasi permodalan minimum apabila tidak dilakukan langkah
                                        strategis antara lain berupa PMTHMETD.

                                        Secara umum, pelaksanaan PMTHMETD akan memberikan
                                        dampak secara langsung terhadap struktur permodalan
                                        Perseroan. Dengan asumsi rata-rata harga penutupan saham
                                        Perseroan selama 25 hari terakhir sejak 1 Oktober 2025 yaitu
                                        di harga Rp134,- (seratus tiga puluh empat Rupiah), maka nilai
                                        PMTHMETD sebesar Rp19.571.686.374,-, maka pengaruh
                                        terhadap kondisi keuangan Perseroan adalah:
                                        1.       Jumlah aset diproyeksikan meningkat paling banyak
                                        sebesar 7,32%, sedangkan ekuitas meningkat sebesar 9,54%,
                                        atau setara nilai PMTHMETD jika dibandingkan per posisi 30
                                        Juni 2025. Peningkatan tersebut terutama berasal dari Aset
                                        Investasi Perseroan sehubungan dengan penggunaan dana
                                        hasil PMTHMETD untuk tujuan investasi.
                                        2.       Rasio liabilitas terhadap ekuitas Perseroan
                                        diperkirakan membaik dari 0,30x sebelum pelaksanaan
                                        PMTHMETD menjadi 0,28x setelah pelaksanaan PMTHMETD.
                                        3.       Berdasarkan proyeksi Laba (Rugi) untuk tahun yang
                                        berakhir pada 31 Desember 2025, maka laba per saham
                                        menurun dari yang sebelumnya Rp11,51 per lembar saham
                                        menjadi Rp10,47 per saham. Penurunan laba per saham
                                        Perseroan terutama disebabkan oleh bertambahnya jumlah
                                        saham ditempatkan dan disetor penuh setelah pelaksanaan
                                        PMTHMETD.

                                        Pelaksanaan PMTHMETD melalui penerbitan saham baru
                                        akan berdampak pada peningkatan jumlah saham Perseroan
                                        yang beredar. Sebagai hasil dari penambahan modal
                                        ditempatkan dan disetor dalam rangka pelaksanaan
                                        PMTHMETD, persentase kepemilikan saham akan mengalami
                                        penurunan persentase kepemilikan (dilusi) paling banyak
                                        sebesar 9,09% (sembilan koma nol sembilan persen).
                                        Meskipun demikian, jumlah saham yang dimiliki oleh
                                        pemegang saham sebelum dan setelah penerbitan saham
                                        baru tidak akan berubah.

                                        Dalam menetapkan harga pelaksanaan PMTHMETD,
                                        Perseroan mengikuti ketentuan yang tercantum dalam
                                        Peraturan No. I-A, yang menetapkan bahwa harga
                                        pelaksanaan paling sedikit 90% (sembilan puluh perseratus)
                                        dari rata-rata harga penutupan saham Perseroan yang
                                        bersangkutan selama kurun waktu 25 (dua puluh lima) Hari
                                        Bursa berturut-turut di Pasar Reguler sebelum tanggal
                                        permohonan Pencatatan saham tambahan hasil penambahan
Page 3
                                             modal tanpa Hak Memesan Efek Terlebih Dahulu.

                                             Penentuan harga ini juga akan memperhatikan kepentingan
                                             Perseroan, pemegang saham minoritas, serta kualitas Investor
                                             yang akan berpartisipasi dalam investasi di Perseroan.




Demikian untuk diketahui.


Hormat Kami,
PT Victoria Insurance Tbk.




Rosalina Gunawan

Direktur Kepatuhan




PT Victoria Insurance Tbk.
Graha BIP Lantai 3A, Jl. Jend. Gatot Subroto Kav. 23 Jakarta Selatan 12930
Telepon : 021 3005 5555, Fax : -, www.victoriainsurance.co.id



Nama Pengirim                       Rosalina Gunawan

Jabatan                             Direktur Kepatuhan
Tanggal dan Waktu                   16-10-2025 22:17

Lampiran                           1. Perubahan_Tambahan Informasi_KI_PMTHMETD_VINS_2025.pdf


 Dokumen ini merupakan dokumen resmi PT Victoria Insurance Tbk. yang tidak memerlukan tanda tangan karena
dihasilkan secara elektronik oleh sistem pelaporan elektronik. PT Victoria Insurance Tbk. bertanggung jawab penuh
                                  atas informasi yang tertera didalam dokumen ini.
Page 4
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 Letter / Announcement No.            0030/VINS-XT/CORSEC/X/2025

 Issuer Name                          PT Victoria Insurance Tbk.

 Issuer Code                          VINS

 Attachment                           1

 Subject                              CHANGES AND/OR ADDITIONAL INFORMATION REGARDING THE
                                      DISCLOSURE OF INFORMATION TO SHAREHOLDERS OF PT VICTORIA
                                      INSURANCE TBK (THE COMPANY) REGARDING THE INCREASE IN
                                      CAPITAL WITHOUT PRE-EMPTIVE RIGHTS (PMTHMETD)

The company hereby announce the Material Information or Facts Report as follows

 Name of Issuer or Public Company             PT Victoria Insurance Tbk.

 Business Activities                          Asuransi Umum


 Telephone                                    021 3005 5555

 Faximile                                     -

 Email Address                                corsec@victoriainsurance.co.id


 Date of Event                                16 October 2025

                                              CHANGES AND/OR ADDITIONAL INFORMATION
 Type of Material Information or Facts        REGARDING THE DISCLOSURE OF INFORMATION TO
                                              SHAREHOLDERS OF PT VICTORIA INSURANCE TBK (THE
                                              COMPANY) REGARDING THE INCREASE IN CAPITAL
                                              WITHOUT PRE-EMPTIVE RIGHTS (PMTHMETD)
 Description of Material Information or       eferring to Financial Services Authority (OJK) Regulation No.
 Facts                                        32/POJK.04/2015, as amended by OJK Regulation No.
                                              14/POJK.04/2019 concerning Capital Increases for Public
                                              Companies by Granting Preemptive Rights, we hereby submit
                                              Amendments and/or Additional Information to the Disclosure of
                                              Information regarding the planned Non-Preemptive Rights
                                              Issue of PT Victoria Insurance Tbk.
Page 5
Impact of event, material information or   Prior to the implementation of the Non-Preemptive Rights
facts towards Issuers or Public            (PMTHMETD), the Company's financial position faced
Company’s operational activities, legal,   challenges in meeting the minimum equity requirements as
financial condition, or going concern      mandated by POJK No. 23/2023. The primary consideration
                                           stemmed from the challenge of achieving profitability, as the
                                           Company's projected net profit through 2026 was estimated to
                                           fall short of the minimum equity requirement of at least IDR
                                           250,000,000,000 (two hundred and fifty billion Rupiah), which
                                           must be met no later than December 31, 2026.

                                           Thus, although the Company recorded a profit, the organic
                                           equity growth sourced from the accumulation of retained
                                           earnings was insufficient to meet the minimum equity
                                           requirement in the first phase as stipulated in POJK NO.
                                           23/2023. This condition poses a risk of non-compliance with
                                           the minimum capital requirements if strategic steps are not
                                           taken, including non-preemptive rights (PMTHMETD).

                                           In general, the implementation of the Non-Preemptive Rights
                                           (PMTHMETD) will have a direct impact on the Company's
                                           capital structure. Assuming the average closing price of the
                                           Company's shares for the last 25 days since October 1, 2025,
                                           is Rp134 (one hundred and thirty-four Rupiah), the value of the
                                           PMTHMETD will be Rp19,571,686,374. The impact on the
                                           Company's financial condition is as follows:
                                           1.        Total assets are projected to increase by a maximum
                                           of 7.32%, while equity will increase by 9.54%, or equivalent to
                                           the value of the PMTHMETD compared to the position as of
                                           June 30, 2025. This increase will primarily come from the
                                           Company's Investment Assets in connection with the use of
                                           PMTHMETD proceeds for investment purposes.
                                           2.        The Company's liabilities to equity ratio is estimated
                                           to improve from 0.30x before the implementation of
                                           PMTHMETD to 0.28x after the implementation of
                                           PMTHMETD..
                                           3.        Based on the Profit (Loss) projection for the year
                                           ending December 31, 2025, earnings per share decreased
                                           from Rp11.51 per share to Rp10.47 per share. The decrease
                                           in the Company's earnings per share was primarily due to the
                                           increase in the number of issued and fully paid shares
                                           following the implementation of the Non-Pre-emptive Rights
                                           (PMTHMETD).

                                           The implementation of the PMTHMETD through the issuance
                                           of new shares will have an impact on increasing the number of
                                           the Company's shares in circulation. As a result of the increase
                                           in issued and paid-up capital in the context of the PMTHMETD
                                           implementation, the percentage of share ownership will
                                           experience a decrease in the percentage of ownership
                                           (dilution) of a maximum of 9.09% (nine point zero nine
                                           percent). However, the number of shares owned by
                                           shareholders before and after the issuance of new shares will
                                           not change.

                                           In determining the exercise price of the PMTHMETD, the
                                           Company follows the provisions stated in Regulation No. I-A,
                                           which stipulates that the exercise price is at least 90% (ninety
                                           percent) of the average closing price of the Company's shares
                                           in question during a period of 25 (twenty five) consecutive
                                           Trading Days on the Regular Market before the date of the
                                           application for Registration of additional shares resulting from
                                           the increase in capital without Pre-emptive Rights.
Page 6
                                               This pricing determination will also take into account the
                                               interests of the Company, minority shareholders, and the
                                               quality of investors who will participate in investing in the
                                               Company.




Thus to be informed accordingly.


Respectfully,
PT Victoria Insurance Tbk.




Rosalina Gunawan

Direktur Kepatuhan




PT Victoria Insurance Tbk.
Graha BIP Lantai 3A, Jl. Jend. Gatot Subroto Kav. 23 Jakarta Selatan 12930
Phone : 021 3005 5555, Fax : -, www.victoriainsurance.co.id



Sender Name                          Rosalina Gunawan

Function                             Direktur Kepatuhan

Date and Time                        16-10-2025 22:17

Attachment                          1. Perubahan_Tambahan Informasi_KI_PMTHMETD_VINS_2025.pdf


   This is an official document of PT Victoria Insurance Tbk. that does not require a signature as it was generated
  electronically by the electronic reporting system. PT Victoria Insurance Tbk. is fully responsible for the information
                                             contained within this document.

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Names mentioned 7 people and organisations named in the text · linked when the evidence is strong

linked org Victoria Insurance Tbk. · Nama Perusahaan p.1 ×51
linked person Rosalina Gunawan · Direktur Kepatuhan p.3 ×5
possible org Otoritas Jasa Keuangan p.1
possible person Gatot Subroto p.3 ×2
unresolved org PT Victoria InsuranceTbk. p.1
unresolved org Financial Services Authority p.4
unresolved person Function · Direktur p.6

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