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Page 1
Public Expose 2025
Page 2
Public Expose 2025
Company in a Brief
Macroeconomy & Industry Condition
AGENDA
Operational & Financial Performance
2025 Strategy
Page 3
History of the Company
Transform Business Model
2019 2020 2021
Radana held HMETD II (Rights Rubicon closed the Radana held private
Issue) & Rubicon became the deal after MTO in placement to increase
controlling shareholder April public shares
2015 2014 2013
Radana held HMETD I PT HD Finance Tbk Tiara Marga Trakindo
(rights issue) changed its name to PT (TMT) became the major
Radana Bhaskara shareholder
Finance Tbk
1972 2005 2011
PT Indonesia Lease Corporation Orang Tua Group acquired PT PT HD Finance held Initial
(Indo Lease) was established Indonesia Finance Lease Public Offering (IPO) and
Corporation and changed its became a public company
name to HD Finance.
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 2
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Shareholder Structure
Public Rubicon Investment Holding Pte. Ltd.
7.62% Rubicon Investments Holding Pte. Ltd. (“Rubicon”) is directly controlled and majority
owned by Archipelago Asia Focus Fund Pte. Ltd., a company incorporated under the
laws of the Republic of Singapore ("AAFF SG") and indirectly controlled by Archipelago
Capital Partners Pte. Ltd. (“ACP”), an investment company incorporated under the laws
of the Republic of Singapore and licenced by the Monetary Authority of Singapore in
TMT Singapura.
37.15% Rubicon
55.23% PT Tiara Marga Trakindo
Established as a Holding Company of the TMT Group in 2000, PT Tiara Marga Trakindo
(TMT) is a private company headquartered in Jakarta. TMT oversees several sub-
holdings in heavy equipment procurement and services, financing, integrated minerals
and energy, consumer retail, hospitaly and food manufacturing.
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 3
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Public Expose 2025
Company in a Brief
Macroeconomy & Industry Condition
AGENDA
Operational & Financial Performance
2025 Strategy
Page 6
Macro & Industry
Inflation (%) Source: BI Non-Performing Performance – 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 5
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Public Expose 2025
Company in a Brief
Macro & Industry Condition
AGENDA
Operational & Financial Performance
Strategy 2025
Page 8
Operational & Financial Performance
Performance Summary 2024
5,23 T 1,97% 2,62 T
New Booking NPF-Gross Ratio
yoy
82% yoy
(0,17)% Total Liabilities
yoy 42%
(43) B 3,19 T 572 B
Net Profit 25% Total Asset 30% Total Equity (7)%
yoy yoy 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 7
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Operational & Financial Performance
Operational Performance 2024
New Booking (in IDR Bn) In 2024, Radana recorded a total new disburse of IDR 5.23 Trillion
with a composition of 59% Factoring or IDR 3.07 Trillion, 28%
+82%
ABF or IDR 1.47 Trillion and 13% FMU or RP 674 Billion.
5.227
2.871
1.943
2022 2023 2024
Account Receivables (in IDR Bn) In 2024, Radana recorded a total Account Receivables of IDR 2.69
+35% Trillion with a composition 38% Factoring or IDR 1.02 Trillion,
2.691
1.469
1.987 59% ABF or IDR 1.58 Trillion, 3% FMU or IDR 85 Billion.
2022 2023 2024
NPF-gross (in %) • NPF-gross was in a healthy trend and recorded at 1.97% as of
(0,17)% December 2024. NPF-gross was maintained below the
2,14% 1,97% regulation maximum level and supported by a healthier
0,04% portfolio throughout 2024.
2022 2023 2024
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 2024
Revenue (in IDR Billion)
• Total Revenue was recorded at IDR 387 Billion,
+49% 387
49% YoY in 2024 due to increase in new disburse
200
260
by 82%.
• Total Operating Expense was recorded at IDR 386
2022 2023 2024 Billion or increased by 51% YoY throughout 2024
due to financing expenses related to the company
OPEX (in IDR Billion) borrowing needs to support its core activities,
expand business opportunities, and enhance the
company’s business capacity
+51% 386
255
144
2022 2023 2024
Source: Radana Finance
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 9
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Operational & Financial Performance
Financial Performance 2024
Net Profit/Net Loss (in IDR Billion)
44
+25%
2022 2023 2024 • Total Net Loss was recorded at IDR 43 Billion
(57)
(43) or improved by 25% YoY dan Net Profit
Margin was recorded at -11,11% in 2024.
This was primarily attributed to the losses
NPM (in %)
incurred from unutilized Deferred Tax Assets
(DTA) 2020, which was charged in 2024.
21,89%
+11%
-11,11%
2022 2023 2024
-22,02%
Source: Radana Finance
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 10
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Operational & Financial Performance
Financial Performance 2024
Asset (In IDR Billion)
+30% 3.191 • Total assets increased 30% YoY due to hiked
2.460
1.737
financing receivables, which directly contributed
from increased in new disburse by 82% in 2024.
2022 2023 2024
• Liabilities in 2024 was recorded at IDR 2.62
Liabilities (in IDR Billion)
Trillion, increased of 42% YoY due to utilization
+42%
2.618 of bank loan facility to support the company’s
1.844
1.064 business expansion in disbursing new financing.
• Equity in 2024 was recorded at IDR 572 Billion,
2022 2023 2024
decreased by 7% YoY due to unutilized DTA 2020,
Equity (in IDR Billion)
which was charged in 2024, hence turning bottomline
673 to loss after tax.
616 (7)%
572
2022 2023 2024
Source: Radana Finance
Mitra Andal, Sahabat Anda PT Radana Bhaskara Finance Tbk | Public Expose 2025 11
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Public Expose 2025
Company in a Brief
Macro & Industry Condition
AGENDA
Operational & Financial Performance
Strategy 2025
Page 14
Strategy 2025
1 Development and strengthening of Investment and Working Capital Financing Products.
2 Increasing market share through expansion of coverage to new potential areas
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 14
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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 11 people and organisations named in the text · linked when the evidence is strong
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HD Finance Tbk
p.3 ×3
unresolved
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Finance Tbk
p.3
unresolved
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PT Indonesia Lease Corporation
p.3
unresolved
org
Rubicon Investment Holding Pte. Ltd.
p.4
unresolved
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Rubicon Investments Holding Pte. Ltd.
p.4
unresolved
org
Archipelago Asia Focus Fund Pte. Ltd.
p.4
unresolved
org
Archipelago Capital Partners Pte. Ltd.
p.4
unresolved
org
PT Tiara Marga Trakindo Established
p.4
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