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Page 1
PT Lippo Karawaci Tbk
     Public Expose - 2024
Page 2
Forward looking statements
Certain statements in this release are or may be forward-looking statements. These statements typically contain words such as "will",
"expects" and "anticipates" and words of similar import. By their nature, forward looking statements involve a number of risks and
uncertainties that could cause actual events or results to differ materially from those described in this release.



                                                                                                                                    2
Page 3
 Key Investment Highlights


                                  1

       Strong achievement in marketing sales
       that is expected to continue to grow in
       coming years, generating positive cash                                   Real Estate
       flows.                                                                                                                             2
                                                                                   44%

                                                                                                                       Continuous growth driven by high
                                                                                                                       complexity clinical programs made Siloam to
                                                                                                          Healthcare   stay competitive in the market.
                                  3                                                                         44%

       Hotel, malls and ancillary business
       assets that are profitable and supplement
       the main business by providing regular
       dividend income.                                                                       Lifestyle
                                                                                                12%




*size of circle represents the revenue contribution of each segments for FY24
                                                                                                                                                             3
Page 4
Business Operational Area
as of 31 December 2024

  Townships                                         Hospitals
  Lippo Village  : 374 ha landbank                  Total Hospitals                 : 41
  Lippo Cikarang : 486 ha landbank                  Total Clinics                   : 67
  Tanjung Bunga : 344 ha landbank                   Locations                       : 23 provinces
                                                    GPs, Specialists and Dentists   : 4,329
  Superblock                                        Nurses and Medical Supports     : 8,901
  Kemang Village, St Moritz Puri, Holland Village

  Malls
  Total managed malls : 59
  Locations           : 17 provinces
  NLA                 : 1.67 million m2
  Annual Visitors     : 300+ visitors




                                                                                                     4
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Our Company

                                 Leader in Fully Integrated Estate Operations – Scale,               Widespread presence in 56 cities and 26 provinces
                                 Integration and Financial Discipline:                               across Indonesia
                                 Total Revenue: IDR 11.5n in FY24
                                                                                                     Revenue breakdown: 44% Healthcare, 44% Real
                                 Total Assets: IDR 53.8tn in FY24
                                                                                                     Estate, 12% Lifestyle business (as of FY24)




              Real Estate                                            Healthcare                                              Lifestyle
   Large landbank and strong growth in                  Investment in the largest hospital                     Malls, hotels, and ancillary business
   marketing sales that is expected to                  operator in Indonesia, delivering clinical             assets     that   are    profitable and
   remain elevated in coming years,                     excellence and access to healthcare                    supplement the main business by
   generating positive cashflow                                                                                providing regular dividend income
   End-to-end revenue streams:                          Complete healthcare service offerings:                 Wide range of business portfolio:
   ▪ Real Estate Development                            ▪ Hospitals                                            ▪ Malls
   ▪ Township Management                                ▪ Clinics                                              ▪ Hospitality
   ▪ Water treatment and other supporting               ▪ Digital healthcare, homecare, and other              ▪ Food catering, parking, and other
     services                                             supporting services                                    ancillary businesses

   80+ property development projects for sale           41 hospitals                                           59 managed malls
   374 ha landbank in Lippo Village                     73 clinics                                             10 hotels
   486 ha landbank in Lippo Cikarang                    23 provinces                                           17 provinces
   344 ha landbank in Tanjung Bunga                     4,263 GPs, specialists, dentists                       1.67 million m2 mall NLA
   191 ha landbank in various locations                 8,897 nurses and medical professionals                 300+ millions annual mall visitors



                                                                                                                                                         5
Page 6
Financial Updates
Page 7
LPKR Financial Highlights
 LPKR Financial Statements                                                     (in IDR billion)   Business Segment Performance                                      (in IDR billion)

    P&L Highlights (in IDR bn)               FY24           FY24         YoY Changes              Gross profit by segment (in IDR bn)   FY24        FY24      YoY Changes
    Total Revenues                              11,505         16,845          -32%               Total Revenues                          11,505      16,845         -32%
    COGS                                        (6,554)        (9,479)         -31%                   Real Estate Development              5,032       4,398          14%
    Gross Profit                                 4,951          7,366          -33%                   Healthcare                           5,053      11,191         -55%
    Operating Expenses                          (3,183)        (4,539)         -30%                   Lifestyle                            1,420       1,257          13%
    Operating Profit                             1,768          2,827          -37%               COGS                                    (6,554)     (9,479)        -31%
    Other Income & Expenses - Net               18,725            255         7258%                   Real Estate Development             (3,125)     (2,502)         25%
    Financial Charges - Net                     (1,246)        (1,674)         -26%                   Healthcare                          (2,996)     (6,574)        -54%
    Income Before Tax                           19,248          1,408         1267%                   Lifestyle                             (433)       (403)          8%
    Tax Expenses                                  (521)          (754)         -31%               Gross Profit                             4,951       7,366         -33%
    Profit for the Period                       18,727            654         2765%
    Non Controlling Interest                        (19)           50         -138%
    Profit for the Period Attributable to Owners18,746
                                                 of the Parent    604         3006%

•       LPKR posted Revenue of IDR 11.5tn, lower vis-à-vis                                        ▪      Revenue for Real Estate increased 14% YoY to IDR
        last year due to deconsolidation of PT Siloam                                                    5.03tn, supported by timely handovers of residential
        International Hospitals Tbk in June 2024                                                         and commercial units, strategic land plot sales, and
•       Total NPAT reached IDR 18.7tn, a significant leap from                                           continued demand for cemetery plots at San Diego
        IDR 50bn in FY23, supported by stronger operational                                              Hills.
        performance and disciplined liabilities management                                        ▪      Revenue for Lifestyle primarily driven by its mall and
                                                                                                         hotel businesses, reported solid financial performance
                                                                                                         totaling IDR 1.42tn.




                                                                                                                                                                                   7
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Real Estate Pillar
Page 9
Real Estate Business Highlights

 Property
                         Marketing sales                                   Financial              Key takeaways and
 development                                        New projects in FY24
                         performance                                       performance            going forward
 projects sold in FY24


 Landed residential:     ▪ LPKR achieved            Lippo Karawaci:        ▪ Real Estate FY24     ▪ We remained
 111 projects              FY24 marketing           1) Blackslate Series     revenue increased      dedicated to
                           sales of IDR6.01tn,                               by 15% to IDR          innovating and
 Low-rise residential:     reaching 112% of         Lippo Cikarang:          5.03tn driven by       expanding our
 5 project                 FY24 marketing           1) The Hive @Neo         timely project         offerings for first-
                                                       Patio
                           sales target                                      handovers and land     time homebuyers by
 Mid-rise residential:                                                       plot sales.            introducing new
 1 project               ▪ Landed housing                                                           affordable housing
                           continued to be the                             ▪ EBITDA increased       options in Park
 High-rise:                primary driver,                                   by 1% YoY to           Serpong and Lippo
 22 projects               accounting for 64%                                IDR 1.1 tn in FY24     Cikarang
                           of the total marketing                            with 22% EBITDA        Cosmopolis
 Shophouses:               sales achievements                                margin
 25 projects               in FY24.




                                                                                                                      9
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FY24 Marketing Sales Highlights

Historical marketing sales                                                           (in IDR bn)     Land bank


                                                                                                      ▪ ~1,000 hectares of land bank in Jakarta, Greater Jakarta and
                                                                                                        Makassar translate to roughly IDR 155tn in gross
                                                                          6,011                         development value.
                                                              5,122                  5,375
                                       4,964      4,766
                                                                                                      ▪ At our current run-rate, this translates to 25+ years of
                         2,670                                                                          remaining land bank.
              1,846                                                                           112%
  1,598
                                                                                                                                                                                           Market Value
                                                                                                                                            Ownership (%)         Land Area (ha)
                                                                                                                                                                                            (USD mn)
  2018        2019       2020          2021        2022       2023        2024       FY24                Lippo Village                            100%                           374                   1,382
                                                                                    Target               Lippo Cikarang                           84%                           486                    1,554
                                                                                                         Tanjung Bunga                           62.7%                           344                       70
FY24 Marketing sales results vs target by project                                    (in IDR bn)
                                                                                                         San Diego Hills                          100%                            69                     307
                                                                                                         Outside Lippo Village                    98%                            123                     526
  120%          101%             94%            81%          98%           114%         112%             - Puncak                                 100%                            29                       77
                                                                                                         - Sentul                                 100%                            19                       50
                                                                                     6,011               - Holland Village Manado                 100%                              6                      15
                                                                                             5,375
                                                                                                         - Prapanca                                70%                              7                    137
2,992 2,500                                                                                              - Kemang                                 100%                              6                    115
                                                                       1,643 1,435                       - St. Moritz                             100%                              3                      47
               494 490      188 200            202 250     491 500                                       - Others                                 100%                            54                       87
    LK         LK          LK              San Diego      Land plot       Lippo         Total            Total                                                                1,395                    3,839
Residential Commerical High rise             Hills                       Cikarang                       Note:
                       inventory                                                                        Reported landbank in Lippo Village area excludes golf area amounting to 63.4ha valued at USD 741mn. All
                                                                                                        values as of 30 Dec 2024 and in USD using the average exchange rate of 1 USD = IDR 16,162
          FY24 results      FY24 target                   % of results vs target
                                                                                                                                                                                                            10
Page 11
FY24 Marketing Sales Highlights
FY24 Marketing sales breakdown in Lippo Karawaci                                 FY24 Marketing sales breakdown in Lippo Cikarang
Marketing sales in Lippo Karawaci were mainly driven by landed housing,          Marketing sales in Lippo Cikarang were mainly driven by landed housing,
accounting for 64% of the total, dominated by the Cendana Homes series and       accounting for 48% of the total, dominated by the Cendana and XYZ Livin series.
XYZ Livin series.
    Amount (in IDR bn)          Volume (in units)                                     Amount (in IDR bn)          Volume (in units)
                                          106                                                                           150
                                         (3%)                                                                          (11%)
             188                       248                                                                           20
        494 (5%)                      (6%)                Landed housing                   355                      (1%)                      Landed housing
       (13%) 50                            67                                             (22%)                      87 26
            (1%)                          (2%)            Shophouse                                                (6%) (2%)                  Low-rise residential
                                                                                                        794
                                                          Mid-rise residential                         (48%)                                  High-rise inventory
                                                          High-rise inventory             445   20                                            Industrial
                   2,942                                                                 (27%) (1%)                             1,098
                   (80%)                    3,751                                                29                             (80%)         Commercial
                                            (90%)                                               (2%)


FY24 Marketing sales by payment mode (excld. land plot)                          Residential product sales volume by unit price
Mortgages constituted 69% of the overall marketing sales in FY24. We              ~96% of homes sold were priced at IDR 2bn or less in FY24.
continue to see a strong demand in affordable housing, supported by high
mortgage utilization, implying high end-users.
            FY24                        FY23                                                 FY24                              FY23
                                                             Mortgage                         4%                               3%                   <IDR 1bn
           13%                        17%                                                      0%                               0%
                                                             Installment                                                                            IDR 1-2bn
                                                                                       26%
     17%                                                     Cash                                                                                   IDR 2-5bn
                                                                                                                    42%
                                21%                                                                                                     54%         >IDR 5bn
                                                    62%
                      69%                                                                              70%




                                                                                                                                                               11
Page 12
Park Serpong New Product Development

Cendana Suites                                            Blackslate Homes


                   Typical size and Starting Price:                          Typical size and Starting Price:
                   ▪ Type 5 (67.5m2 land / 78.1m2                            ▪ Type Standard (112m2 land /
                     building) price at IDR 943mn                              125.5m2 building) price at IDR
                   ▪ Type 5.5 (79.8m2 land / 88.8m2                            1,808mn
                     building) price at IDR 1,069mn




XYZ Livin                                                 Q Livin

                   Typical size and Starting Price:                          Typical size and Starting Price:
                   ▪ Z5 (67.5m2 land / 78.1m2 building)                      ▪ Q12 (36m2 land / 35m2 building)
                     price at IDR 365mn                                        price at IDR 415mn
                   ▪ X6 (62.5m2 land / 64.6m2 building)                      ▪ Q15 (39.6m2 land / 36.7m2
                     price at IDR 698mn                                        building) price at IDR 443mn
                                                                             ▪ Q22 (42.9m2 land / 48.6m2
                                                                               building) price at IDR 531mn
                                                                             ▪ Q23 (46.8m2 land / 52.5m2
                                                                               building) price at IDR 560mn




                                                                                                         12
Page 13
Healthcare Pillar
Page 14
Siloam Financial Highlights
                                                                                                                   Revenue¹                                                                                                                  (in IDR bn)
    Revenue1                                              Underlying EBITDA*                                                                                   Quarterly Revenue
                                                                                                                 Annual Revenue

    IDR9.45tn                                             IDR2.76tn                                                                   +13%
                                                                                                                                                                                                        +16.9%

                                                          in FY24                                                                              8,663   9,455                                                                         2,403       2,392
                                                                                                                              7,637                                                                           2,341       2,319
    in FY24                                                                                                                            7,393                                            2,287      2,289
                                                                                                                  5,758
                                                                                                                                                                2,047       2,040

           9.1%                                                 3.2%
                                                                                                                 FY20         FY21     FY22    FY23    FY24     1Q23        2Q23        3Q23       4Q23       1Q24        2Q24       3Q24        4Q24
          FY24 vs FY23                                          FY24 vs FY23
                                                                                                                   Underlying EBITDA*
                                                                29.2%                                            20.8%       25.7%    26.8%    30.8%   29.2%   29.5%      29.7%       32.4%       31.4%       30.2%      29.7%       29.8%       27.1%
                                                                EBITDA Margin
                                                                                                               Annual EBITDA                                   Quarterly EBITDA
                                                                                                                                                                                                        +12.0%
                                                                                                                                      +23%
                                                                                                                                               2,670   2,757                             741        720                                716
    Underlying Net                                        Operating Cash Flow                                                 1,962   1,984
                                                                                                                                                                603          607
                                                                                                                                                                                                                  706      688
                                                                                                                                                                                                                                                  647
                                                                                                                  1,197
    Profit*
                                                          IDR2.33tn
    IDR1.26tn                                             in FY24
                                                                                                                  FY20        FY21    FY22
                                                                                                                   Underlying Net Profit*
                                                                                                                                               FY23    FY24     1Q23        2Q23        3Q23       4Q23        1Q24       2Q24        3Q24        4Q24


    in FY24

          0.9%                                                 11.1%                                              2.2%        9.2%    9.6%     14.4% 13.3%     12.6%       12.7%

                                                                                                                                                               Quarterly Net Profit
                                                                                                                                                                                      16.1%       15.9%       14.3%      13.4%      13.9%        11.7%

                                                                                                                 Annual Net Profit
          FY24 vs FY23                                         FY24 vs FY23                                                                                                                               +9.3%
                                                                                                                                      +78%
                                                                                                                                               1,247   1,259                             367        363           334                  333
                                                                                                                                                                                                                           311                    281
                                                                                                                               700     710                      257          259

                                                                                                                   125
                                                                                                                                                                1Q23        2Q23        3Q23       4Q23        1Q24       2Q24        3Q24        4Q24
                                                                                                                  FY20        FY21    FY22     FY23    FY24
                                                                                                                                                                        *Underlying EBITDA and Net Profit without non-cash & non-operational adjustments
                                                                                                                          % Margin

 ¹ Revenue 2020 onwards referring to non-specialist revenue
 *Underlying EBITDA and Net Profit without non-cash & non-operational adjustment, amounting write-off IDR 309bn in 1Q24
                                                                                                                                                                                                FY2024 Earnings Call Presentation
                                                                                                                                                                                                                             14                             14
                                                                                                                                                                                                                                                           14
Page 15
Siloam Payer Mix

       % Contribution to Total Revenue FY2023 vs FY2024

                                                                                                                                 OPE        Corp & Ins           BPJS
                 18.3%                                    18.2%
                               32.5%                                      32.0%
                                                                                                                      Corporate and Insurance revenue
                                                                                                                 contribution to total revenue increased from
                  49.2%
                                                                                                                                49.2% to 49.8%
                                                           49.8%



                      FY23                                        FY24


        Payer Group Contribution to Total Revenue (IDR bn)


                      +10.5%                                              +22.1%                                                          +6.0%

                               3,645 3,905                                         5,490
                                                                                           6,075                                  2,327
                                                                                                                                                   2,055 2,228
               3,260 3,115                    +1.0%                        4,662                     +11.6%              1,762
       2,615                                                                                                                              1,742                         -5.1%
                                                                  3,743
                                                          2,733
                                             977   987                                             1,380 1,541                                                     587      557


       2020    2021    2022    2023   2024 4Q23    4Q24   2020    2021     2022    2023    2024    4Q23   4Q24           2020     2021    2022     2023   2024    4Q23     4Q24

                        Private (OPE)                                         Corp + Ins                                                           BPJS




                                                                                                                                                  FY2024 Earnings Call Presentation
                                                                                                                                                                               15      15
                                                                                                                                                                                      15
Page 16
Siloam Cash Flow Highlights


                                                                           Operating Cash Flow
                                                                                    (in IDR bn)



                                                                                   +29.0%
                                                                                                                                                  2,330
                                                                   2,033                                                 2,098
                                                                                                   1,688
                                               1,337

                 652


                2019                            2020               2021                            2022                  2023                     2024


             Investing Cash Flow                                     Financing Cash Flow                                         Cash Balance
                         (in IDR bn)                                          (in IDR bn)                                          (in IDR bn)



                          +25.3%                                                                                                    +27.1%

                                1,819                                                                                            1,915
                                                   1,634
                                        1,427                                 +103.8%
                                                                                                                                          1,046   1,186   1,040
                                                                                       740                 844            908
   529                 578                                        462       448                   531
          281                                                                                                     314
                                                            24
   2019   2020         2021      2022   2023       2024    2019   2020      2021       2022       2023     2024   2019    2020   2021     2022    2023    2024




                                                                                                                                    FY2024 Earnings Call Presentation
                                                                                                                                                                 16      16
                                                                                                                                                                        16
Page 17
Lifestyle Pillar
Page 18
 Malls and Hotels Financial & Operational Highlights
     Malls revenue2                                                                                                     Hotels revenue2


                                                     +16%                                                                                  +15%
                                                                        +22%                                                                      +11%
                                                                                            682                                                           497
                                                                                                                                            446
                                                      561                                                                         373
                     505




                                                                                                                                 FY22      FY23          FY24
                     FY22                            FY23                                 FY24


     Consistent YoY growth of malls visitors¹                                                                           Hotels Occupancy
                                                                      (Average monthly visitors; in mn visitors)

                                                     +7%                                                                                   +1%
                                                                        +5%                                                                       0%

                                                                                          10.5                                  67%        69%           69%
                                                     10.0
                     9.1




                 FY22                               FY23                                 FY24                                   FY22       FY23          FY24



¹ LMIRT malls only          ² Revenue amount is based on non-consolidated figure (gross of intercompany eliminations)
Page 19
THANK YOU
Page 20
Investor Relations

PT Lippo Karawaci Tbk

Head of Investor Relations
Dr. Randi Bayu Prathama
Email: Randi.Prathama@lippokarawaci.co.id




                                            20

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