20250801_BFIN_Laporan Informasi dan Fakta Material_31929286_lamp3.pdf

 A. SUMMARY OF INFORMATION TO SHAREHOLDERS

 In supporting the regulator's efforts to maintain share price stability on Indonesia Stock
 Exchange ("IDX"), the Company plans to buyback the Company's shares that have been issued
 and listed on the IDX ("Buyback").

 The Buyback will be conducted, among others, in accordance with the following provisions:
 1. OJK Regulation No. 13 of 2023 on the Policy in Maintaining Capital Market Performance and
    Stability in Significantly Fluctuating Market Conditions ("OJK Regulation No. 13/2023");
 2. OJK Letter No. S-17/D.04/2025 dated 18 March 2025 on the Implementation Policy of
    Buyback of Shares Issued by Public Companies in Significantly Fluctuating Market Conditions
    ("OJK Letter No. S-17/D.04/2025"); and
 3. OJK Regulation No. 29 of 2023 on the Buyback of Shares Issued by Public Companies ("OJK
    Regulation No. 29/2023").

 The total value of the Buyback is Rp500,000,000,000,- (five hundred billion Rupiah) at
 maximum. The number of shares to be repurchased by the Company will not exceed 3.3%
 (three point three) of the Company's paid-up capital and the outstanding shares (free float)
 after the Buyback implementation, and will not be less than 40% (forty percent) of the
 Company's paid-up capital. The Buyback does not have a material impact on the Company's
 financial performance and business activities.


 B. BACKGROUND AND PURPOSE

 In line with the Significantly Fluctuating Market Conditions as referred to in OJK Regulation
 No. 13/2023 and with the determination by the OJK based on OJK Letter No. S-17/D.04/2025,
 in realizing the stable Indonesian capital markets activities, the Company plans to conduct
 Buyback as an effort to maintain the stability of shares trading in the capital market in
 conditions of high volatility and to increase the confidence of investors.

 In accordance with OJK Letter No. S-17/D.04/2025, in addition to being subject to the
 provisions of OJK Regulation No. 13/2023, the implementation of Buyback must comply with
 the provisions of Article 5, Article 6, and Article 14 of OJK Regulation No. 29/2023.

A PERSEROAN ATAS SAHAM YANG DIBELI KEMBALI
 C. THE COMPANY’S PLAN FOR THE BUYBACK SHARES

 The Company will transfer the shares resulting from the Buyback with due observance of the
 provisions of OJK Regulation No. 13/2023, OJK Regulation No. 29/2023, and/or other
 applicable laws and regulations.


 D. ESTIMATED SCHEDULE AND LIMITATION ON THE BUYBACK PERIOD, THE
    METHOD TO BE USED, AND SHARE PRICE LIMITATION FOR SHARE BUYBACK

 Schedule and Period Limitation
  1. Publication of Disclosure of Information: 1 August 2025.
  2. Buyback Period (Buyback Period Limitation): Starting from 4 August 2025 until 31 October
     2025, which is the maximum period of 3 (three) months from the date of the Disclosure
     of Information (1 August 2025), unless terminated earlier by the Company before 31
     October 2025 with due observance of the prevailing laws and regulations.

Methods
The Buyback will be conducted on the IDX through the regular market and will only be
conducted through PT Trimegah Sekuritas. The Buyback implementation will be in accordance
with other provisions in OJK Regulation No. 13/2023 and OJK Regulation No. 29/2023.


Price Limitation
The buyback will be conducted at a price deemed appropriate and fair by the Company, with
due regard to the applicable laws and regulations.


E. THE ESTIMATED NOMINAL AMOUNT OF ALL SHARES TO BE REPURCHASED AND
   THE COST OF SHARE BUYBACK

The maximum amount of the Company's shares that will be repurchased is equivalent to the
maximum purchase value of Rp500,000,000,000,- (five hundred billion Rupiah), which includes
brokerage fees and other costs related to the Buyback. In accordance with OJK Regulation No.
13/2023, the number of shares to be repurchased will not exceed 3.3% (three point three
percent) of the Company's paid-up capital.

F. MANAGEMENT ANALYSIS, ESTIMATION OF THE DECREASE IN REVENUE OF THE
   PUBLIC COMPANY AS A RESULT OF THE IMPLEMENTATION OF SHARE BUYBACK
   AND THE IMPACT OF THE FINANCING COSTS OF THE PUBLIC COMPANY AND
   PROFORMA EARNINGS PER SHARE OF THE PUBLIC COMPANY AFTER THE SHARE
   BUYBACK IS IMPLEMENTED, TAKING INTO ACCOUNT THE DECREASE IN
   REVENUE AND THE SOURCE OF FUNDS TO BE USED FOR THE SHARE BUYBACK

Management Analysis and Estimation of the Decrease in Revenue of the Public
Company

The Company's business activity in the banking sector generates solid profitability and cash
flow. The Company believes that the Buyback will not have a material impact on the Company's
business activities, financial performance, capital position and liquidity. The Company has
adequate liquidity position and cash flow to carry out the Company's operational activities.

Pro forma Earnings per Share After the Share Buyback

The following proforma financial indicators show minimal impact with the assumption that the
Buyback value is Rp500,000,000,000,- (five hundred billion Rupiah) and in the case that it was
carried out in the fiscal year of 2024:

                                 December
In Rp bn (except ratio)                                  Proforma                  Impact
                                     2024
Asset                               25,120                   24,620                   -500
Equity                              10,182                    9,668                   -514
Net Profit                           1,565                    1,551                    -14
ROA                                  7.8%                     7.9%                   1 bps
ROE                                 15.9%                    16.2%                   3 bps

Source of Funds to be Used for Share Buyback
In implementing the Buyback, the Company will use its own funds and not from loans. The
results of the Buyback will be recorded as treasury shares as a deduction from the Company's
equity.

G. OTHER INFORMATION

In accordance with Article 11 of OJK Regulation No. 13/2023, any party that is:

   a. commissioners, directors, employees and main shareholders of the Company;
   b. individuals who, due to their position or profession or due to their business relationship
      with the Company enables them to obtain insider information; or
   c. the parties that within the last 6 (six) months are no longer a party as referred to in
      letters a and b,

are prohibited from conducting transactions on the Company's shares during the shares
buyback period or on the same day as the sale of shares resulting from the buyback
conducted by the Company through the IDX.


H. ADDITIONAL INFORMATION

The shareholders who require additional information regarding the Buyback may contact the
followings:


                           PT BFI FINANCE INDONESIA TBK
                                   Corporate Secretary
                              BFI Tower Sunburst CBD Lot 1.2
                            Jl. Kapt Soebianto Djojohadikusumo
                           BSD City – Tangerang Selatan 15322
                                 Phone : +62 21 2965 0300
                                   Website : www.bfi.co.id
                                   Email : corsec@bfi.co.id