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                             REQUEST FOR EXPLANATION
                          PT MANDALA MULTIFINANCE TBK



1. Based on the information in the summary of the merger plan between PT Adira Dinamika Multi
   Finance Tbk (ADMF) and PT Mandala Multifinance Tbk (MFIN) published on April 30, 2025, ADMF
   and MFIN, MFIN is obliged to fulfill its obligations to third parties under agreements and to creditors,
   particularly to holders of debt securities or sukuk issued prior to the effective date of the merger.
   Accordingly, the Company is requested to provide:

   a. Information regarding agreements or contracts between MFIN and third parties that require
      consent for the assignment of all rights and obligations of MFIN to ADMF, by completing the
      following table:

                                          Scope of                                       Contract
         No.    Counterparty                                  Contract Value
                                         Agreement                                        Period
         1.
         2.
         etc

        Responses:
        MFIN has sent a letter of request for approval to each related third party whose approval is
        required by MFIN to carry out the Merger. MFIN is currently in the process of discussing with
        the related third parties to obtain approval for the Merger and detailed information will be
        provided after MFIN obtains approval from all related third parties, with the target of obtaining
        approval from the related parties no later than June 20, 2025 (before the estimated date of
        issuance of the effective statement of Merger registration from OJK (Capital Market) and
        Merger approval from OJK (IKNB)).

   b. Steps that MFIN will take to obtain third-party consent for the merger plan in relation to
      contracts entered into by MFIN.

        Response:
        MFIN has sent a letter of request for approval to each related third party whose approval MFIN
        must obtain in order to carry out the Merger. MFIN is currently still in the process of discussing
        with the related third parties to obtain approval regarding the Merger.

   c.   Timeline for MFIN to obtain third-party consent under contracts entered into by MFIN for the
        proposed merger to be carried out by MFIN.

        Response:
        MFIN targets to obtain approval from related creditors for the Merger plan no later than June
        20, 2025 (before the estimated date of issuance of the effective statement of Merger
        registration from OJK (Capital Market) and Merger approval from OJK (IKNB)).

   d.
        obligations of MFIN to ADMF, by completing the following table:

                                           Scope of
         No. Creditors Name                 Credit                 Financing           Financing
                                          Agreement                 Amount               Period



                                                                                                              1
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       1.
       2.
      Dst.


     Responses:
     MFIN has sent a letter of request for approval to each related creditor whose approval is
     required by MFIN to carry out the Merger. MFIN is currently still in the process of discussing
     with the related creditors to obtain approval for the Merger and detailed information will be
     provided after MFIN obtains approval from all related creditors, with the target of obtaining
     approval from the related creditors no later than June 20, 2025 (before the estimated date of
     issuance of the effective statement of Merger registration from OJK (Capital Market) and
     Merger approval from OJK (IKNB)).


e. Steps to be undertaken by MFIN to obtain consent from its creditors for the proposed merger
   between MFIN and ADMF.
     Responses:
     MFIN has sent a letter requesting approval to each related creditor on April 30, 2025.
     Currently, MFIN is still in the process of discussing with other related creditors to obtain
     approval regarding the Merger.

f.   Timeline for MFIN to obtain consent from its creditors for the proposed merger to be carried
     out by MFIN.

     Responses:
     MFIN targets to obtain approval from related creditors for the Merger plan no later than June
     20, 2025 (before the estimated date of issuance of the effective statement of Merger
     registration from OJK (Capital Market) and Merger approval from OJK (IKNB))

g. Steps to be undertaken by MFIN to obtain consent from the holders of Sustainable Sukuk
   Mudharabah I Mandala Multifinance Phase II Year 2022 Series B and Phase III Year 2023
   Series B for the proposed merger between MFIN and ADMF.

     Responses:
     Based on the provisions under the Trusteeship Agreement related to Mandala Multifinance
     Continuous Sukuk Mudharabah I Phase II Year 2022 Series B and Mandala Multifinance
                                                              Trusteeship Agreement
     required to obtain approval from PT Bank Rakyat Indonesia (Persero) Tbk as Trustee
       Trustee
     the same business field where MFIN will continue to exist and the Merger will not have a
     negative impact on MFIN's business operations and will not affect MFIN's ability to repay Sukuk
     Mudharabah Funds and/or Profit Sharing income, and/or Compensation for Losses Due to
     Delay (if any).

     In connection with the provisions above, MFIN has sent a letter of request for approval of the
     Merger plan to the Trustee on April 30, 2025. Based on the provisions of the Trustee
     Agreement, the Trustee is required to provide approval, rejection or request additional
     data/supporting documents within 14 working days after the request for approval and
     supporting documents are submitted.




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            Currently, MFIN is conducting discussions with the Trustee to obtain approval of the Merger
            plan while still protecting the interests and rights of Sukuk Mudharabah holders.

       h. Timeline and target for convening the Sukuk Holders' General Meeting and obtaining an
          addendum to the Trustee Agreement (Perjanjian Wali Amanat PWA) to secure consent from
                                                               and ADMF.

            Responses:
                                                                                      RUPSU
                                                               PWA
            implementation of the Merger plan, MFIN targets to obtain approval from the RUPSU and the
            addendum to the PWA no later than June 20, 2025.

       i.   Whether there are any third parties under contract, MFIN creditors, or holders of bonds/sukuk
            who require a waiver of negative covenants in connection with the proposed merger. The
            Company is requested to disclose the current status of obtaining such consents.

            Responses:
            Based on the provisions in the Agreement between MFIN and third parties, MFIN creditors, and
            the Trustee Agreement, there is no need for a waiver from third parties, creditors, or MFIN
            bond/sukuk holders regarding negative covenants in connection with the Merger plan.

       j.   Based on the schedule disclosed by the Company, May 14, 2025, is the final deadline for
            creditors or third parties to raise objections to the proposed merger. In relation to this, please
            clarify whether, as of this date, any third party under contract, MFIN creditor, or bond/sukuk
            holder has submitted an objection or expressed disagreement with the proposed merger
            between MFIN and ADMF.

            Responses:
            Since the announcement of the summary of the Merger draft on April 30, 2025 until May 14,
            2025, MFIN has not received any written objections or statements of disagreement from third
            parties in the contract, MFIN creditors or bond/sukuk holders.

       k. If any objections have been raised regarding the merger plan, please describe the resolution
          steps taken by MFIN with respect to third parties under contract, MFIN creditors, or bond/sukuk
          holders.

            Responses:
            MFIN will take preventive steps by continuously cooperating and coordinating with related
            parties to be able to approve the Merger plan in accordance with the explanation in the answers
            to questions in letters (a) and (d) above.


2. Based on the disclosure in the summary of the Merger Plan published on April 30, 2025, the buyback
   of MFIN shares from shareholders who do not approve the Merger will be conducted at a price of IDR
   3,426 per MFIN share, which is based on the average daily closing price on the Exchange over the
   90 calendar days prior to the approval of the Merger by the Boards of Commissioners of MFIN and
   ADMF on April 28, 2025.

   In addition, the agreed share conversion ratio resulting from the Merger is 1 MFIN share equivalent
   to 0.052401 ADMF shares at the time of the Merger. This exchange ratio is also supported by a


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valuation report issued by a Public Appraisal Firm (KJPP).

According to the independent valuation of the fair market value of MFIN shares conducted by KJPP
Suwendho Rinaldy dan Rekan ("KJPP SRR") in its Share Valuation Report No. 00132/2.0059-
02/BS/09/0242/1/IV/2025 dated April 9, 2025, KJPP SRR opined that the fair market value of 100%

of approximately IDR 1,456 based on the total number of outstanding shares after the bonus shares
(5,000,000,000 shares).

In relation to the foregoing, please provide an explanation:

a. The Stock Exchange requires the Company to disclose more detailed information regarding the
   summary of the MFIN stock valuation report and the fairness opinion report on the Merger, at a
   minimum including:

                                            MFIN Shares               Fairness Opinion
               Description
                                           Valuation Report          Report on the Merger
     Identity of parties
     Object of valuation
     Purpose of valuation
     Assumptions and limiting
     conditions
     Valuation approach and
     method
     Conclusion of value/
     fairness opinion on the
     transaction

    Responses:
    More detailed information regarding the summary of the MFIN stock valuation report and the
    fairness opinion report on the Merger is shown in the following table:

                                                                         Fairness Opinion Report
               Description
                                                     Report                   on the Merger
     Identity of parties               MFIN as the Dissolving
                                       Company and ADMF as the
                                       Surviving Company.
     Object of valuation               The object of valuation is MFIN
                                       Shares, i.e. 100% shares of
                                       MFIN




     Purpose of valuation              The purpose of the valuation of
                                       MFIN Shares is to provide an
                                       opinion on the market value of


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                           MFIN Shares as of 31 December
                           2024 expressed in Rupiah.


Assumptions and limiting      The Report of Valuation of
conditions                    MFIN Shares is a non-
                              disclaimer opinion report.
                              KJPP SRR has reviewed the
                              documents used in the
                              process of the valuation of
                              MFIN Shares.
                              The data and information
                              used in the valuation of
                              MFIN Shares are obtained
                              from reliable sources.
                              KJPP SRR uses adjusted
                              financial projections that
                              reflect the fairness of the
                              financial projections made by
                              MFIN's management with
                              their ability to achieve them
                              (fiduciary duty).
                              KJPP SRR is responsible for
                              the implementation of the
                              valuation and the fairness of
                              the financial projections.
                              The Report of Valuation of
                              MFIN Shares is open to the
                              public unless there is
                              confidential information that
                              could affect MFIN's
                              operations.
                              KJPP SRR is responsible for
                              the Report of Valuation of
                              MFIN Shares and the final
                              value conclusion.
                              KJPP SRR has obtained
                              information on the legal
                              status of MFIN Shares from
                              MFIN.




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Valuation approach and          The approaches used in the
method                          valuation of MFIN Shares are the
                                income-based approach with the
                                discounted cash flow (DCF)
                                method and the market-based
                                approach using the guideline
                                publicly traded company (GPTC)
                                method.
Conclusion of value/ fairness
opinion on the transaction    on all data and information
                              provided to KJPP SRR and
                              considering all factors relevant to
                              the valuation, KJPP SRR is of
                              the opinion that the market value
                              of MFIN Shares as of 31
                              December 2024 is amounting to
                              Rp 7.28 trillion.




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b. The legal basis and regulations (both POJK and Laws) underlying the determination of the
   repurchase price of MFIN shares, which is the average closing price of daily trading on the
   Exchange over the 90 calendar days prior to the approval date by the Boards of Commissioners of
   MFIN and ADMF for the merger on April 28, 2025. Please provide the details of the articles that



    Responses:
    OJK Regulation No. 29 of 2023 concerning Buyback of Shares Issued by Public Companies
      POJK 29/2023
    the Stock Exchange which are carried out outside the Stock Exchange with a maximum share
    buyback price of the average price of the daily closing price on the Stock Exchange for the last 90
    days Average Trading Price before the date of the share buyback by the public company. In
    the context of implementing share buybacks due to Merger transactions as regulated in Article 62
    paragraph (1) of Law No. 40 of 2007 concerning Limited Liability Companies as amended partially
    by Law No. 6 of 2023 concerning Ratification of Government Regulation in Lieu of Law Number 2
                                       Company Law
    74/POJK.04/2016 concerning Mergers or Amalgamations of Public Companies (as amended)
      POJK 74/2016
    price due to a Merger transaction.

    Regarding the share buyback in the context of the Merger, the use of the Average Trading Price
    as the share buyback price that will be mentioned in the Merger Plan cannot use the Average
    Trading Price before the share buyback date considering that at the time of the announcement of
    the Merger Plan summary, the share buyback had not yet implemented so that in order to determine
    the share buyback price, it is necessary to use other date reference before or at the time the Merger
    Plan summary was announced, which in this case the date of the Board of Commissioners'
    approval of the Merger Plan or the date of the announcement of the Merger Plan summary.

    In connection with the above, referring to a number of public company business merger
    transactions that have been carried out previously, namely the merger of PT Bank OCBC NISP
    Tbk (2024), PT Selamat Sempurna Tbk (2022), PT Indosat Tbk (2022), PT Verena Multi Finance
    Tbk (2019), and PT Sejahtera Anugrahjaya Tbk (2018), the share buyback price also refers to the
    Average Trading Price before the date of the Board of Commissioners' approval of the merger plan
    or the date of the announcement of the merger plan summary.

    Based on the explanation above, MFIN uses the Average Trading Price before the Board of
    Commissioners' approval date as the MFIN share buyback price, which is in line with a number of
    mergers that have been carried out previously, including those mentioned above.

c. The consideration for MFIN using the repurchase price basis referring to the 90 calendar days prior
   to the approval date by the Board of Commissioners of MFIN, which is Rp3,426, and not using the
   repurchase price based on the appraisal by the Public Appraisal Service Office (KJPP) of Rp1,456
   (after bonus shares).

    Responses:
    Based on the provisions of Article 3 POJK 29/2023 jo. Article 62 paragraph (1) of the Company
    Law, every MFIN shareholder has the right to request that their shares be purchased at a fair price
    if the shareholder concerned does not agree with MFIN's actions to carry out a Merger that is
    detrimental to shareholders or MFIN.

    Article 62 paragraph (1) of the Company Law does not define or explain further what is meant by
    'fair price'. However, in general with reference to Article 34 paragraph (2) of the Company Law, the


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       fair value as referred to in the Company Law can be determined based on market price or by
       experts who are not affiliated with the company, such as KJPP. Based on this explanation, it can
       be interpreted that the fair value is determined based on the existing market price, and if there is
       no market price, then it is determined based on the price based on the KJPP's assessment. In the
       context of the Merger, the stock valuation by the KJPP is mandatory for the purpose of determining
       the conversion ratio of MFIN shares to ADMF in the context of the Merger as required in POJK
       74/2016 and for the preparation of a fairness opinion report by the KJPP as required in OJK
       Regulation No. 42/POJK.04/2020 concerning Affiliated Transactions and Conflict of Interest
       Transactions. However, in the context of share buybacks based on the provisions of Article 62 of
       the Company Law, there is a reference for the market price of MFIN shares that can be used, which
       is the market price of MFIN shares traded on the Indonesia Stock Exchange, where in this case
       MFIN uses the Average Trading Price before the date of the Board of Commissioners' approval of
       the Merger plan as the MFIN share buyback price.

       Based on the above, in this Merger, the fair price determined as the MFIN share buyback price
       refers to the market price of MFIN shares traded on the Indonesia Stock Exchange with reference
       to the Average Trading Price before the date of the MFIN Board of Commissioners' approval of the
       merger plan, on April 28, 2025.

       It should also be noted that pursuant to Article 72 paragraph (1) of OJK Regulation No. 47/2020,
       following the acquisition of MFIN shares by MUFG and the Mandatory Tender Offer conducted by
       MUFG in 2024, MFIN is required to increase its issued and paid-up capital to at least IDR 250.0
       billion. To meet this requirement, as of 28 April 2025, MFIN is in the process of completing a bonus

       letter No. 054/MM-CORSEC/IV/202
       Corporate Action Bonus Shares 22042025. This bonus share issuance will increase the total
       number of shares from 2,676,887,872 to 5,000,000,000 shares and the paid-up capital from IDR
       133.8 billion to IDR 250.0 billion, in order to comply with the minimum capital requirements
       stipulated under OJK Regulation No. 47/2020.

       Since the MFIN share buyback price of IDR 3,426 is based on the 90-day average up to 27 April
       2025, and the cum date for the bonus share issuance is set on 28 April 2025, while the bonus
       shares will be distributed on 22 May 2025, the buyback price of IDR 3,426 does not reflect the
       impact of the bonus share distribution.

                                                                                                      -
       00080/BEI.POP/04-2025, states that the theoretical closing price of MFIN shares on 28 April 2025
       has been adjusted from IDR 5,000 to IDR 2,680. This adjustment was made based on the
       1000:867.840656 bonus share ratio, using the following calculation formula:

       1,000 x IDR 5,000 / (1,000 + 867.840656)

       According to Article 14 of OJK Regulation No. 27/2020, it is stated that:
       "Every capital market participant who compiles historical stock price data and per-share financial
       information must adjust such data to reflect the impact of bonus share distributions and explain the
       method used for such adjustments." Therefore, the historical share price data used in determining
       the MFIN share buyback price will be adjusted to reflect the impact of the bonus share issuance.

3. The company should elaborate on the calculation of the Merger Exchange Ratio, accompanied by
   supporting illustrations. If there are certain assumptions used by the company in the calculation, please
   outline the assumptions used.



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   Response:

   The basis for calculating the conversion of shares of MFIN into shares of ADMF as the Surviving
   Company after the Merger is based on the results of an independent appraisal of the fair market value
   of the shares of ADMF and MFIN, respectively, made by Public Appraisal Service Office KJPP
   Kusnanto dan Rekan ("KJPP KR") and KJPP SRR.

   Based on the valuation results from KJPP KR and KJPP SRR, the comparison between ADMF and
   MFIN shares value will be equivalent to 1 : 0.052401. This value is derived from the following calculation
   results:

             Name                      Fair value share                        Outstanding                     Price per
                                                                               shares                          share
             ADMF                      Rp 27,784 billion                       1,000 million                   Rp 27,784

             MFIN                      Rp 6,552 billion*                       4,499 million*                  Rp 1,456

  *) MFIN fair value and outstanding shares above have accounted for the bonus share distribution that is planned to be distributed
  on 22-May-

  Theoretically, the percentage of shares owned by shareholders of ADMF and MFIN will be diluted
  proportionally based on the conversion ratio, whereby 1 (one) share of MFIN will be equivalent to
  0.052401 shares of ADMF. Post-Merger, based on the valuation of
  conducted by KJPP, all shares of MFIN shareholders, other than the shares owned by ADMF, will be
  exchanged for 235,803,109 shares of ADMF.


4. Please explain the latest developments regarding the status of the merger registration statement
   application to OJK (Capital Market) and the merger and approval for the Fit and Proper Test for Key
   Parties to OJK (Non-Bank Financial Institutions).

  Response:
  On April 30, 2025, ADMF and MFIN have submitted applications to OJK regarding the following matters:

  1)     Application for Merger Statement to OJK (Capital Market) based on the required documents as
         stipulated in POJK No. 74/POJK.04/2016 concerning Merger or Amalgamation of Public
                                     POJK 74/2016

  2)     Application for Merger Approval to OJK (IKNB) based on the required documents as stipulated
         in POJK No. 47/POJK.05/2020 concerning Business Licensing and Institutions of Financing
         Companies and Sharia Financing Companies (as amended) and SEOJK No. 20/SEOJK.06/2023
         concerning Application for Licensing, Approval, and Electronic Reporting for Financing
         Companies and Sharia Financing Companies; and

  3)     Application for fit and proper assessment of all prospective members of the Board of Directors
         and Board of Commissioners of ADMF as the Merged Company to the OJK (IKNB) based on the
         required documents as stipulated in POJK No. 27/POJK.03/2016 concerning Fit and Proper
         Assessment for Main Parties in Non-Bank Financial Services Institutions and SEOJK No.
         22/SEOJK.06/2024 concerning Fit and Proper Assessment for Main Parties of Financing
         Institutions, Venture Capital Companies, Microfinance Institutions, and Other Financial Services
         Institutions.

  As of the date of this response, ADMF and MFIN have received questions and requests for changes
  and/or additional information regarding the Application for the Merger Statement of ADMF and MFIN
  from OJK (Capital Market) dated May 14, 2025. The answer to each question/response from OJK



                                                                                                                                      11
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   (Capital Market) will be submitted by ADMF no later than 10 (ten) working days since the receipt of the
   request for changes and/or additional information from OJK (Capital Market) dated May 14, 2025 in
   accordance with the provisions of Article 14 paragraph (3) of POJK 74/2016, which is no later than May
   28, 2025.

   Furthermore, as of the date of this response, MFIN is still waiting for the issuance of approval from OJK
   (IKNB) regarding the approval of the Merger, which is expected to be issued no later than June 24,
   2025, which is two working days before Extraordinary General Meeting of Shareholders of d MFIN on
   June 30, 2025 to approve the Merger.


5. Referring to Exchange Regulation Number I-G concerning Business Merger or Business Consolidation
   (Exchange Regulation I-G) point B.1, the company should disclose the indicative timeline and the
   following information:

   Response:
   Below is the Indicative Timeline regarding the listing of additional ADMF shares which is part of the
   Implementation Period of the ADMF and MFIN Merger. The full version of the Implementation Period
   of the ADMF and MFIN Merger has been submitted in the Summary of the Merger Plan between ADMF
   and MFIN which we announced to the public on April 30, 2025.

      No.                                     Activity                                     Date
       1.     Pengajuan:                                                          30 April 2025
              a. Application for (i) Merger Approval and Approval of the Fit
                 and Proper Test for the Main Parties (Fit and Proper Test)
                 to the OJK (IKNB) and (ii) Merger Registration Statement
                 to the OJK (Capital Market), accompanied by supporting
                 documents.
              b. Application for Principal Approval to the IDX for the listing
                 and issuance of new ADMF shares issued to MFIN
                 shareholders as a result of the Merger.

       2.     a. Announcement of the Summary of the Merger Plan to (i)
                   the public in 2 (two) national daily newspapers and the
                   websites of the Merger Participating Companies, and (ii)
                   Employees of the Merger Participating Companies.
              b. Submission of a letter of request for approval of the
                   Merger to the relevant creditors of the Merger Participating
                   Companies (as required in the existing loan agreement).
              c. Notification of the Merger to relevant stakeholders
                   (debtors, business partners, and creditors) of the Merger
                   Participating Companies.
       3.     Submission of the Agenda of the EGMS of the Merger                  14 May 2025
              Participating Companies to the OJK (Capital Market).
       4.     a. Announcement of the EGMS of the Merger Participating             21 May 2025
                   Companies and submission of evidence of the
                   announcement of the EGMS of the Merger Participating
                   Companies to the IDX.
              b. Disclosure of Information related to Affiliated Transactions
                   related to the Merger.
       5.     Invitation to the EGMS of the Merger Participating Companies        5 June 2025
              and submission of evidence of the invitation to the EGMS of
              the Merger Participating Companies to the IDX.
       6.     Estimated date of issuance:                                         23 June 2025 - 26 June
              a. Effective Statement of Merger from OJK (Capital Market);         2025


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          b. Approval of Merger, and Approval of the Fit and Proper
               Test for the Main Parties from OJK (IKNB); dan
          c. Approval in Principle from IDX.
   7.     EGMS of each Merger Participating Company to approve,             30 June 2025
          among other things, the Merger along with the Merger Plan
          and the draft Merger Deed, the buyback of shares owned by
          shareholders who do not approve the Merger and request that
          their shares be purchased by the Merger Participating
          Company (as relevant), changes to the Articles of Association
          (specifically for ADMF), the dismissal of all members of the
          Board of Directors, Board of Commissioners and Sharia
          Supervisory Board of MFIN (specifically for MFIN), and the
          implementation of the simple liquidation process of MFIN and
          the appointment of the MFIN Liquidation Team (specifically for
          MFIN).
   8.     The last trading of MFIN shares before the Merger became          26 September 2025
          effective on the IDX.
   9.     The last trading of ADMF shares before the Merger became          30 September 2025
          effective on the IDX.
   10.    Recording Date of MFIN shareholders who are entitled to           30 September 2025
          obtain ADMF shares resulting from the Merger.
   11.    Effective Date of Merger.                                         1 October 2025
   12.    Issuance of additional ADMF shares to MFIN shareholders.          1 October 2025
   13.    Effective date of listing and trading of additional ADMF shares   1 October 2025
          resulting from the Merger on the IDX.
   14.    Effective date of delisting of MFIN shares on the IDX.            1 October 2025


a. The start date for the exchange of PHPU share ownership certificates with PHPU SKS or with
   new PHPU SKS (if there is a replacement of SKS), including the time required for the share
   exchange process.

   Response:
   There is no date or schedule for the exchange of physical evidence of MFIN share ownership to
   be exchanged for Collective Share Certificates ( SKS ) or new SKS of ADMF resulting from the
   Merger on the date of issuance of additional ADMF shares to entitled MFIN shareholders on
   October 1, 2025. This is considering that all MFIN shares that will be converted into ADMF shares
   resulting from the merger are scripless shares.

   In terms of the process, the conversion of MFIN shares into ADMF shares resulting from the
   merger (based on the predetermined share conversion ratio) will be carried out on October 1,
   2025, along with the issuance of additional ADMF shares to MFIN shareholders recorded in the
   Shareholders Register based on the Recording Date on September 30, 2025. In implementing
   the share conversion process in connection with this merger, ADMF and MFIN will be assisted
   by their respective appointed Securities Administration Bureaus, in collaboration with KSEI.


b. The end date of using PHPU share ownership certificates in the settlement of Exchange
   Transactions for PHPU shares.

   Response:
   As we have stated in the Indicative Timeline above, the last trading of MFIN shares on the stock
   exchange before the merger became effective was on September 26, 2025. Furthermore, the last


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         trading of ADMF shares on the stock exchange before the merger became effective was on
         September 30, 2025.


 6. Please explain the latest developments regarding the status of the merger registration statement
    application to OJK (Capital Market) and the merger and approval for the Fit and Proper Test for Key
    Parties to OJK (Non-Bank Financial Institutions).

    Response:
    Please refer to our explanation for Question No. 4 above.


 7. In relation to the obligation of MFIN's controller, MUFG Bank Ltd. (MUFG), to retransfer shares due
    to the execution of the Mandatory Tender Offer and Acquisition which resulted in MUFG Bank's
    ownership exceeding 80%, as stipulated in Article 21 paragraphs (1) and (2) of OJK Regulation
    Number 9/POJK.04/2018 regarding the Acquisition of Public Companies (POJK 9/2018), please
    explain:
    a. Follow-up actions and steps taken by MFIN and MUFG to fulfill obligations to OJK regarding the
       retransfer of shares after the mandatory tender is carried out?

         Response:
         MUFG already acknowledge the obligation. MUFG, together with ADMF and MFIN, will consider to
         comply the obligation in accordance with the provisions of OJK Regulation Number
         9/POJK.04/2018 concerning the Acquisition of Public Companies ("POJK 9/2018"), following the
         merger of ADMF and MFIN.
    b. The deadline for MUFG and MFIN to fulfill the obligation to retransfer those shares.

         Response:
         According to Article 21 paragraph (3) of POJK 9/2018, MUFG acknowledge the deadline of this
         obligation( two years following the completion of the Mandatory Tender Offer).


    c.   The latest developments regarding discussions with OJK and efforts made by MUFG and MFIN
         to meet the obligation of retransfer of those shares.

         Response:
         Please refer to our answer in No. 7 letter a above.


    d. Are there any approvals or waivers that MFIN and MUFG need to obtain from OJK concerning the
       obligation of retransfer of MFIN shares after the acquisition?

         Response:
         No approval is required from MUFG's supervisory authorities to conduct shares sell-down
         obligation.
8. Referring to Article 21 paragraph (3) of POJK 9/2018, MFIN is given a maximum of 2 years to fulfill the
    obligation of retransfer of shares or until August 28, 2026 (2 years since the completion of the
    Mandatory Tender Offer). ADMF and MFIN have not yet provided further information regarding the plan
    to fulfill the obligation of retransfer of those shares.

    Response:
    Please refer to our answer in No. 7 letter a above.


                                                                                                             14
Page 15
 9. Based on the information in the summary of the merger plan between ADMF and MFIN dated April 30,
      2025, it was explained that ADMF and MFIN would conduct a buyback of shares owned by ADMF and
      MFIN shareholders who do not agree with the merger. Shareholders of MFIN can sell their shares in
      MFIN to MFIN, and shareholders of ADMF can sell their shares in ADMF to PT Bank Danamon
      Indonesia Tbk (BDMN) as the standby purchaser from ADMF. Regarding this matter, please explain:
      a. How prepared is MFIN in terms of funds to conduct the buyback? Is there a need to obtain certain
         approvals from creditors or other shareholders of MFIN?

           Response:
           MFIN has sufficient funds to purchase the shares of MFIN shareholders who do not approve the
           Merger and request that their shares be bought ("Share Buyback").

           To carry out the Share Buyback, MFIN will seek approval from its shareholders, which is planned

           2025.
      b. Estimated funds prepared by MFIN for the buyback.

           Response:


           based on the determined Share Buyback price.
      c.   Estimated number of shares that will be bought back from the shareholders.

           Response:
           The number of shares to be purchased will depend on the number of MFIN shareholders who do
           not agree with the merger and request that their shares be bought back.

10.   In the event of any changes or updates to the information or indicative schedule that will be carried out
      by ADMF and MFIN, the company should adjust and resubmit the document along with the response
      to this request for explanation.

      Response:
      In the event of changes or updates to the information or indicative schedule to be carried out by ADMF
      and MFIN, the Company will adjust and resubmit the documents along with the response to this request
      for clarification.

      The draft Merger documents will be revised based on the changes and/or additional information
      requested by the Financial Services Authority (OJK Capital Market) in its request dated 14 May 2025
      regarding the Registration Statement for the Merger of ADMF and MFIN. The revised Merger plan will
      be submitted by ADMF and MFIN to OJK (Capital Market) no later than 10 (ten) business days from

      than 28 May 2025.

11.   Information, material facts, or other important events that are material and may affect the business
      continuity of the company as well as potentially affect the company's share price.

      Response:
      Based on the data we have, there is currently no information, material fact, or other significant events
      that are material and could affect the business continuity or the company's stock price.




                                                                                                                  15

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Published21 May 2025
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Names mentioned 23 people and organisations named in the text · linked when the evidence is strong

linked org MANDALA MULTIFINANCE TBK p.1 ×8
linked org Bank OCBC NISP Tbk p.9 ×2
linked org Selamat Sempurna Tbk p.9 ×2
linked org Bank Danamon Indonesia Tbk p.15 ×2
possible org Indosat Tbk p.9 ×2
possible org MUFG Bank Ltd. p.14
unresolved org KJPP Suwendho Rinaldy dan Rekan p.4
unresolved org KJPP Suwendho Rinaldy p.4
unresolved org KJPP SRR p.4 ×10
unresolved org Verena Multi Finance Tbk p.9 ×2
unresolved org Sejahtera Anugrahjaya Tbk p.9 ×2
unresolved org Indonesia Stock Exchange p.10 ×2
unresolved org Public Appraisal Service Office KJPP Kusnanto dan Rekan p.11
unresolved org KJPP Kusnanto p.11
unresolved org KJPP KR p.11 ×2
unresolved org KJPP SRR. Based p.11
unresolved — ADMF p.11
unresolved — MFIN p.11
unresolved org Bank Financial Institutions p.11 ×2
unresolved org Bank Financial Services Institutions p.11
unresolved org Financial Services Authority p.15

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