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Penurunan aset dan liabilitas Juni 2026.pdf

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Page 1 OCR 0.865
JAGESMPM

FINANCE

No
Hal/ Subject

:015/CORSEC/VII/2026

Indonesia (“Perseroan”) Lebih dari
Explanation on Decrease in Assets

Jakarta, 28 Juli 2026

: Penjelasan atas Penurunan Aset dan Liabilitas PT JACCS Mitra Pinasthika Mustika Finance

204 per Juni 2026
and Liabilities of PT JACCS Mitra Pinasthika Mustika

Finance Indonesia (“the Company”) Exceeding 204 as of June 30”, 2026

Kepada Yth./ To Whom It May Concern.
Direksi PT Bursa Efek Indonesia

Indonesia Stock Exchange Building, Tower 1
Jl. Jend. Sudirman Kav 52-53

Jakarta 12190

Dengan hormat,

Sesuai dengan Peraturan Nomor I-E tentang
Kewajiban Penyampaian Informasi, maka bersama
ini kami sampaikan penjelasan atas penurunan
jumlah Aset dan Liabilitas lebih dari 204 pada
Laporan Keuangan per 30 Juni 2026 (tidak diaudit)
sebagai berikut:

Sincerely,

In accordance with the Rule Number I-E concerning
Obligations to Submit Information, we hereby
provide the explanation on decrease in the total
Assets and Liabilities exceeding 205 in the Financial
Statements as of June 30", 2026 (unaudited) as
follows:

Dalam jutaan Rupiah/ In million Rupiah

A. Penurunan jumlah aset terutama disebabkan
oleh:

Uraian/ Descriptions | Juni2026/ | Desember2025/ | Total Penurunan/ | Persentase/
| - | June 2026 | December2025 | Decrease in Total Percentage
LA | Jumlah Aset/ Total Asset — | — 3.192.395 4.040.380 |” (2.816.938) | 99K |
(iB | Jumlah Liabilitas/ Total 2.217.356 3.044.393 (2.378.040) “27,189
| Liabilities Ja

A. The decrease in total assets was mainly due to:

Dalam jutaan Rupiah/ In million Rupiah

| No | Uraian/ De iptions . T “— “Juni2026/ | Desember 2025/ Total Penurunan/ Persentase/
| | | June 2026 December 2025 | Decrease in Total Percentage
(4 ri 1. |
f1 loteng pembiayasn/ | 2.543.795 3.525.563 (981.768) “284596
|...lFinance receivables | Masa Manan
2 | Piutang sewa pembiayaan/ | 36.278 150.840 (64.562) -66,771
Finance lease receivables | an — :
1. Penurunan piutang pembiayaan sebesar Rp 1. The decrease in financing  receivables
981.768 juta atau 28,454 terutama disebabkan amounting to IDR 981,768 million or 28.456
oleh turunnya penyaluran pembiayaan baru was mainly due to the decline in new financing
sebesar Rp 973.947 juta atau 82,664 (YTD Juni disbursements by IDR 973,947 million or
2026: Rp 204.272 juta, YTD Desember 2025: Rp 82.664 (YTD June 2026: IDR 204,272 million:
1.178.219 juta). YTD December 2025: IDR 1,178,219 million).
Penurunan penyaluran pembiayaan baru This decline in new financing disbursements
tersebut disebabkan oleh penerapan credit due to the implementation of more selective
screening yang lebih selektif serta penerapan credit screening and the application of
batasan uang muka minimal 1596 pada tahun minimum down-payment reguirement of 154
2026. in 2026.
2. Penurunan piutang sewa pembiayaan sebesar 2. The decrease in finance lease receivables

Rp 64.562 juta atau 66,776 disebabkan
penutupan bisnis Sewa Pembiayaan secara
permanen sejak Januari 2025.

amounting to IDR 64,562 million or 66.774 was
due to the permanent closure of the Finance
Lease business effective January 2025.

PT JACCS Mitra Pinasthika Mustika Finance Indonesia
Gedung Lippo Kuningan Lt. 25

JI, H.R. Rasuna Said Kav. B-12

Jakarta 12040 - Indonesia

T 462 21 2971 0100
F462 21 2911 0313

wwwjaces-mpmfinance.com

Page 2 OCR 0.876
JACESMPM

FINANCE

B. Penurunan jumlah liabilitas terutama disebabkan B. The decrease in total liabilities was mainly due

oleh: to:
Dalam jutaan Rupiah/ In million Rupiah
No Uraian/ Descriptions Juni 2026/ | Desember 2025/ | Total Penurunan/ | ' Persentase/ |
June 2026 December2025 | Decrease in Total Percentage |
ja Pinjaman yang dlterirtia/ 1.550.833 2.313.462 (762.629) 32965 |
orrowings — eren .5 ses is sewa sena MamnaansauaKs |
N Jabilitas derivatif/ Derivative 4.269 28.627 (24378)
5 | tabitities Ba
| 3 | Pinjaman subordinasi/
|..| Subordinated loans MN 0 Bag
1. Penurunan pinjaman yang diterima sebesar Rp 1. The decrease in borrowings amounting to

762.629 juta atau 32,964 terutama
pembayaran angsuran pokok pinjaman bank
sampai dengan periode Juni 2026 sebesar Rp
795.298 juta, serta tidak adanya kebutuhan
pendanaan baru pada periode tersebut seiring
dengan menurunnya penyaluran pembiayaan
baru.

2. Penurunan liabilitas derivatif disebabkan oleh 2.
hal-hal berikut:
es Penurunan saldo pinjaman valuta asing

yang menjadi objek lindung nilai melalui

kontrak cross-currency interest rate swap

(CCIRS), yaitu dari USD 53.460.872 dan JPY

5.642.000.000 pada Desember 2025

menjadi USD 34.450.803 dan  JPY

3.128.000.000 pada Juni 2026.

# Melemahnya nilai tukar Rupiah terhadap
mata uang asing pada Juni 2026
dibandingkan dengan Desember 2025, yang
tercermin dari nilai tukar USD sebesar Rp
17.899 dan JPY sebesar Rp 110,31 pada Juni
2026, dibandingkan dengan USD sebesar Rp
16.720 dan JPY sebesar Rp 106,79 pada
Desember 2025.

3. Penurunan pinjaman subordinasi sebesar Rp 3.
13.098 juta atau 10046, yang disebabkan oleh
pelunasan penuh atas pinjaman subordinasi
sesuai dengan jatuh temponya pada bulan Mei
2026.

Hormat kami/ Regards,
t PT JACCS MITRA PINASTHIKA MUSTIKA FINANCE INDONESIA
$

JAGES MPM

FINANCE Ad

Hajimu Yukimoto Handoko
Direktur Keuangan/ Finance Director Direktur/ Director

PT JACCS Mitra Pinasthika Mustika Finance Indonesia — T46221 29710100
2 F 46221 2911 0313

wwwjaces.mpmfinance.com

IDR 762,629 million or 32.964 was primarily
attributable to the repayment of bank loan
principal totaling IDR 795,298 million up to
the June 2026 period, as well as the absence
of new funding reguirements during the
period in line with the decline in new
financing disbursements.

The decrease in derivative liabilities was

mainly due to:

e A decrease in the outstanding
foreign-currency loan balances hedged
through cross-currency interest rate
swap (CCIRS) contracts, from USD
53,460,872 and JPY 5,642,000,000 as of
December 2025 to USD 34,450,803 and
JPY 3,128,000,000 as of June 2026.

e The depreciation of the Indonesian
Rupiah against foreign currencies as of
June 2026 compared to December 2025,
with exchange rates of IDR 17,899 per
USD and IDR 110.31 per JPY in June
2026, compared to IDR 16,720 per USD
and IDR 106.79 per JPY in December
2025,

The decrease in subordinated Ioans
amounting to IDR 13,098 million, or 10096,
was attributable to the full repayment of
the subordinated loan upon its maturity in
May 2026.

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Published29 Jul 2026
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Names mentioned 7 people and organisations named in the text · linked when the evidence is strong

linked org Mitra Pinasthika Mustika p.1
possible org PT Bursa Efek Indonesia p.1
unresolved org PT JACCS Mitra Pinasthika Mustika Finance p.1
unresolved org PT Bursa Efek Indonesia Indonesia Stock Exchange Building p.1
unresolved org Indonesia Stock Exchange p.1
unresolved person Hajimu Yukimoto Handoko · Direktur Keuangan/ Finance Director Direktur/ Director p.2 ×2

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