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Page 1
Public Expose 2025
Page 2
Public Expose 2025
Company in a Brief
Macroeconomy & Industry Condition
Operational & Financial Performance
AGENDA
Banking Supporters
2025 Strategy
Page 3
Company Overview
Company Highlights Product Offerings
▪ PT Radana Bhaskara Finance Tbk (Radana Finance) was first established under the 1 Asset-Based Financing (ABF)
name PT Indonesia Lease Corporation (Indo Lease) on September 20, 1972. The
Company has changed its name several times, in 1988 PT. Mitra Pradityatama
Financing for the procurement of capital goods and
Leasing, later became PT Niaga Leasing Corporation in 1995, in 2000 changed to PT
services required for business investment activities.
Niaga Leasing, to PT Niaga Indovest Finance in 2001. In 2005 Orang Tua Group
Facilities : Sale & Leaseback, Lease Financing, Purchase
acquired PT Niaga Indovest Finance then changed its name to PT HD Finance in 2005.
with Installment Payment
▪ In 2011, PT HD Finance conducted a public offering of shares Initial Public Offering
(IPO) and listing its shares on the Stock Exchange Indonesia with HDFA code. In 2013 2 Working Capital Financing
PT Tiara Marga Trakindo became controlling shareholder of the Company. Then, in Working capital financing facility to support selected &
2014 PT HD Finance Tbk again changed its name to PT Radana Bhaskara Finance Tbk. assessed clients, with ABF clients as the baseline
In 2015 the Company cerried out PMHMETD I. Furthermore In 2019, Rubicon Facilities: Invoice-based financing, Working Capital
Investments Holding Pte Ltd ("Rubicon") became a controlling shareholder of Radana Financing (FMU).
Finance. Then in 2021, the Extraordinary General Meeting of Shareholders approved
the addition of capital through the mechanism of Capital Increase Without Pre-
emptive Rights (PMTHMETD) of a maximum of 10% of the issued and paid-up capital
of the Company. On November 26, 2021, 445,473,000 new shares have been issued. Competitive Advantages
The composition of Radana Finance's shareholders is as follows:
▪ The leading non-bank & non-dealer affiliated multifinance company in Indonesia
▪ Responsive & pro-active investment financing solutions
7.6%
▪ Progressive Financing partner of a leading heavy equipment dealer in Indonesia
Rubicon Investments Holding Pte Ltd
37.2% 55.2%
▪ The Best Performance Multifinance Company 2023 by infobank
PT Tiara Marga Trakindo
Public
Mitra Andal, Sahabat Anda PT. Radana Bhaskara Finance, Tbk PT Radana Bhaskara Finance Tbk | Public Expose 2025 1
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History of the Company
2021 2023 2024
Radana held private placement Productive Financing, achieved Achieved 5.2T Financing
to increase public shares 2.8T Financing Outstanding AR reached 3T
Outstanding AR reached 2T
2020 2019 2015 2014
Rubicon closed the deal after Radana held HMETD II Radana held HMETD I PT HD Finance changed its
MTO in April (Rights Issue) & Rubicon (rights issue) name to PT Radana
became the controlling Bhaskara Finance Tbk
shareholder
1972 2005 2011 2013
PT Indonesia Lease Orang Tua Group acquired PT. HD Finance held Initial Tiara Marga Trakindo (TMT)
Corporation (Indo Lease) Indo Lease and changed its Public Offering (IPO) and became the major shareholder
was established name to HD Finance became a public company
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 2
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Public Expose 2025
Company in a Brief
Macroeconomy & Industry Condition
Operational & Financial Performance
AGENDA
Banking Supporters
2025 Strategy
Page 6
Macro & Industry
Inflation (%) Source: BI Non-Performing Financing – Multi Finance (%) Source: OJK
2.61 3.05 2.51 1.84 1.57
4Q23 1Q24 2Q24 3Q24 4Q24
2.44 2.45 2.80 2.62 2.70
PDB (%) Source: BPS
5.05 5.11 5.05 4.95 5.02
4Q23 1Q24 2Q24 3Q24 4Q24
4Q23 1Q24 2Q24 3Q24 4Q24
Investment Financing (IDR Bn) Sumber: OJK Working Capital Financing (IDR Bn) Source: OJK
169,463 170,519 49,911
168,053
163,962 47,964 48,108
46,535
154,351 45,557
4Q23 1Q24 2Q24 3Q24 4Q24 4Q23 1Q24 2Q24 3Q24 4Q24
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 3
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Macro & Industry
Coal Production (Mn Ton) Source: ESDM CPO Plantation (Mn Ha) Source: Ditjen Perkebunan
16.83
836
775
695 710
625 614 663 687 15.93
550 553 15.34
Actual
14.59 14.62
Target
2020 2021 2022 2023 2024
2020 2021 2022 2023 2024
Transportation & Logistic Sector Contribution to GDP
Nickel Production (Mn Ton) Source: Asosiasi Penambang Nikel Indonesia (APNI)
(IDR Tn)
Source: BPS
1358.1
3.74 1231.2
983.5
2.2 719.6
689.6
1.8
1.6
1.04
0.771
2020 2021 2022 2023 2024 2030 (F) 2020 2021 2022 2023 2024
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 4
Page 8
Public Expose 2025
Company in a Brief
Macroeconomy & Industry Condition
Operational & Financial Performance
AGENDA
Banking Supporters
2025 Strategy
Page 9
Operational & Financial Performance
Performance Summary Jun 2025
2,80 T 1,80% 2,88 T
New Booking NPF-Net Ratio
yoy
15% Total Liabilities
yoy 23%
2,36B 3,59 T 575 B
Net Profit Total Asset 18% Total Equity
yoy
Source: Radana Finance
Notes: T for Trillion, B for Billion, in Rupiah
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 5
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Operational & Financial Performance
Operational Performance Jun 2025
New Booking (in IDR Bn) In 1H-2025, Radana recorded a total financing disburse of IDR
2,801 Trillion with a composition of;
+82% 5.227 Financing
+48% Financing Disbursed 1H-25 Financing Disbursed 1H-24
2.871 2,801 Product
1.943
Factoring 46% IDR 1.30 Trillion IDR 1.35 Trillion
ABF 41% IDR 1.13 Trillion IDR 0.74 Trillion
2022 2023 2024 H1 2025 FMU 13% IDR 0.37 Trillion IDR 0.34 Trillion
Account Receivables (in IDR Bn) In H1 2025, Radana recorded a total Account Receivables of IDR
+17% 3,157 3.157 Trillion with a composition of:
+35% 2.691
+35% 1.987 Financing Financing Receivables Financing Receivables
1.469 Product 30 June 2025 30 June 2024
Factoring 27% IDR 0.85 Trillion IDR 0.99 Trillion
ABF 68% IDR 2.12 Trillion IDR 1.40 Trillion
FMU 5% IDR 0.16 Trillion IDR 0.11 Trillion
2022 2023 2024 H1 2025
NPF-Net (in %) • NPF-Net was in a healthy trend and recorded at 1.77% as of
1.83% (0,40)% 1,77% 1H-2025. Growth is underlined and emphasized by principle &
1.43% 0,34%
1.81% effort to maintain healthy portfolio quality.
0,02%
2022 2023 2024 H1 2025
Source: Radana Finance
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 6
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Operational & Financial Performance
Financial Performance Jun 2025
Revenue (in IDR Billion)
Profit & Loss 1H-2025 in Snapshot:
386
+51% • Total Revenue - IDR 202 Billion
260
200 +30% 202 • Total Operating Expense - IDR 198 Billion
2022 2023 2024 H1 2025
OPEX (in IDR Billion)
385
255 +49%
+51% 198
144
2022 2023 2024 H1 2025
Source: Radana Finance
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 7
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Operational & Financial Performance
Financial Performance Jun 2025
Net Profit/Net Loss (in IDR Billion)
44
(231%)
2
+105%
2022 2023 2024 H1 2025 • Total Net Profit was at IDR 2.36 Billion vs Net
+25%
(57)
(43) Loss of IDR 43 billion YE 2024
NPM (in %)
21,89%
(44%) +12% 1.17%
+11% -11,11%
2022 2023 2024 H1 2025
-22,02%
Source: Radana Finance
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 8
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Operational & Financial Performance
Financial Performance Jun 2025
Asset (In IDR Billion)
3,594
+30%
3.191
+6% Balance Sheet 1H-2025 Snapshot:
2.460
1.737 +42%
• Total assets - IDR 3.6 Trillion
• Total liabilities - IDR 3.0 Trillion
2022 2023 2024 H1 2025
• Total equity - IDR 575 Billion
Liabilities (in IDR Billion)
+15%
+42% 3,019
2.618
+73% 1.844
1.064
2022 2023 2024 H1 2025
Equity (in IDR Billion)
673
(9)% 616
(7)% 572 +0.4% 575
2022 2023 2024 H1 2025
Source: Radana Finance
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 9
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Operational & Financial Performance
Top Heavy Equipment & Truck Brands Financed up to Jun 2025
Stronger relationships between Radana and the
following dealers exhibited in 1H – 2025:
• PT Indotruck Utama
• PT Berkarya Sinergi Mandiri
• PT Lancarjaya Nusantara Enjiniring
• PT Indo Global Traktor
• PT United Tractors Tbk
• PT Astra International Tbk – Isuzu SO
• PT Panca Mega Makmur
• PT Liugong Machinery Indonesia
• PT United Equipment Indonesia
• PT Indo Traktor Utama
Source: Radana Finance
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 10
Page 15
Public Expose 2025
Company in a Brief
Macroeconomy & Industry Condition
Operational & Financial Performance
AGENDA
Banking Supporters
2025 Strategy
Page 16
Banking Supporters
Syndication loan Lead by
Syariah bank Offshore bank
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 11
Page 17
Public Expose 2025
Company in a Brief
Macroeconomy & Industry Condition
Operational & Financial Performance
AGENDA
Banking Supporters
2025 Strategy
Page 18
Strategy 2025
1 Development and strengthening of Investment and Working Capital Financing Products.
2 Increasing market share through expansion of coverage to new potential cities
3
Strengthening relationships with existing and new potential dealers, supported by various marketing
programs
4 Offering working capital financing to existing debtors (Cross-Sell, Pre-Approved, etc.)
5 Sharpening strategy by focusing on the Key Accounts Approach
6 Enhancing skills and knowledge for all employees, further improving process efficiency
Expanding funding access from banks (domestic and international) with competitive interest rate
7
offerings
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 12
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THANK YOU
PT Radana Bhaskara Finance Tbk
CIBIS Nine Building Jl. TB Simatupang No.02., RT.1/RW.5, Cilandak Timur, Kec. Ps. Minggu
Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12560
Names mentioned 22 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT Indonesia Lease Corporation
p.3
unresolved
org
PT. Mitra Pradityatama Financing
p.3
unresolved
org
PT Niaga Leasing Corporation
p.3
unresolved
org
PT Niaga Indovest Finance
p.3 ×2
unresolved
org
HD Finance Tbk
p.3 ×6
unresolved
org
Working Capital Investments Holding Pte Ltd
p.3
unresolved
org
Indonesia Rubicon Investments Holding Pte Ltd
p.3
unresolved
org
PT Tiara Marga Trakindo Public Mitra Andal
p.3
unresolved
org
Bhaskara Finance Tbk
p.4
unresolved
org
PT Indotruck Utama
p.14
unresolved
org
PT Berkarya Sinergi Mandiri
p.14
unresolved
org
PT Lancarjaya Nusantara Enjiniring
p.14
unresolved
org
PT Indo Global Traktor
p.14
unresolved
org
PT Panca Mega Makmur
p.14
unresolved
org
PT Liugong Machinery Indonesia
p.14
unresolved
org
PT United Equipment Indonesia
p.14
unresolved
org
PT Indo Traktor Utama Source
p.14
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