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                   INFORMATION DISCLOSURE TO SHAREHOLDERS
                         PT MANDALA MULTIFINANCE TBK
 IN THE CONTEXT OF THE COMPANY'S PLAN TO DISTRIBUTE BONUS SHARES ORIGINATING
      FROM THE CAPITALISATION OF ADDITIONAL PAID-IN CAPITAL (AGIO SHARES) AS
 REFERRED TO IN THE FINANCIAL SERVICES AUTHORITY REGULATION NO. 27/POJK.04/2020
 REGARDING BONUS SHARES (‘INFORMATION DISCLOSURE’). 27/POJK.04/2020 REGARDING
                    BONUS SHARES (‘INFORMATION DISCLOSURE’)




THE BOARD OF DIRECTORS AND THE BOARD OF COMMISSIONERS OF THE COMPANY, BOTH
INDIVIDUALLY AND COLLECTIVELY, ARE FULLY RESPONSIBLE FOR THE ACCURACY AND
COMPLETENESS OF THE INFORMATION AS DISCLOSED IN THIS INFORMATION DISCLOSURE
AND AFTER CAREFUL RESEARCH, CONFIRM THAT THE INFORMATION CONTAINED IN THIS
INFORMATION DISCLOSURE IS CORRECT AND THERE ARE NO IMPORTANT MATERIAL AND
RELEVANT FACTS THAT ARE NOT DISCLOSED OR OMITTED SO AS TO CAUSE THE
INFORMATION PROVIDED IN THIS INFORMATION DISCLOSURE TO BE UNTRUE AND/OR
MISLEADING.




                       PT MANDALA MULTIFINANCE TBK (“PERSEROAN”)


                                        Business Activities:
                                            Financing

                                              Address:
                    Jl. Menteng Raya No. 24 A-B Jakarta Pusat 10340, Indonesia
                                       Telp: (6221) 2925 9955
                                Email: corsec@mandalafinance.com

This Disclosure of Information is addressed to Shareholders in order to provide additional information
in connection with the Company's plan to distribute Bonus Shares originating from a portion of the
Company's Additional Paid-up Capital (Agio Shares) in 2024.

The Annual General Meeting of Shareholders (‘AGMS’) of the Company will be held on 17 April 2025
at the head office of PT Mandala Multifinance Tbk on Jl. Menteng Raya No 24 A-B Central Jakarta
10340.


                This Disclosure of Information is published in Jakarta, 11 March 2025




                                                  1
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                                             GENERAL

A.   Brief History of the Company
     The Company was established under the name of PT Vidya Cipta Leasing Corporation based
     on Notarial deed of Joenoes Enoeng Maogiman, S.H., No. 147 dated 13 August 1983. The deed
     of establishment was approved by the Minister of Justice of the Republic of Indonesia by Decree
     No. C2- 6783.HT.01.01.TH.83 dated 15 October 1983 and was announced in the Official
     Gazette of the Republic of Indonesia No. 63 dated 8 August 1989, Supplement to Official
     Gazette No. 1526. Since its establishment, the Company's articles of association have been
     amended several times, where the latest amendment to the Company's articles of association
     is based on Notarial Deed of Mala Mukti, S.H., L.L.M. No. 49 dated 13 November 2024, in
     relation to the amendment of the Company's Articles of Association. This amendment has
     obtained approval from the Minister of Law of the Republic of Indonesia by Decree No. AHU-
     0079868.AH.01.02.TAHUN 2024 and the notification has been submitted to and received by the
     Ministry of Law of the Republic of Indonesia as evident in letter No. AHU-AH.01.03-0219091
     both dated 9 December 2024. (Deed No. 49). Meanwhile, the composition of the Company's
     Board of Directors and Board of Commissioners was last amended based on Notarial Deed of
     Leolin Jayayanti, S.H., M.Kn. No. 41 dated 25 September 2024, in relation to the changes in the
     composition of the Company's Board of Directors and Commissioners. This amendment has
     been notified to and received by the Ministry of Law of the Republic of Indonesia as evident in
     letter No. AHU-AH.01.09-0255967 dated 26 September 2024 (‘Deed No. 41’).

     On 23 August 2005, the Company obtained an effective statement from the Chairman of the
     Capital Market and Financial Institutions Supervisory Agency (‘Bapepam-LK’) (now the Financial
     Services Authority - OJK) with its letter No. S2303/PM/2005 to conduct a public offering of
     1,325,000,000 shares of the Company to the public with a nominal value of Rp100 per share
     (full amount) and an offering price of Rp195 per share (full amount). The Company listed all of
     its shares on the Jakarta Stock Exchange (BEJ) (now Indonesia Stock Exchange - IDX) on 6
     September 2005.

     The Company is located at Jl. Menteng Raya No. 24 A-B Central Jakarta 10340, Indonesia with
     details for communication or correspondence purposes as follows:

                                     PT Mandala Multifinance Tbk
                                     Business Activities: Financing

B.   Business Activity
     Based on Notarial Deed of Mala Mukti, S.H., L.L.M. No. 49 dated 13 November 2024, in relation
     to the amendment of the Company's Articles of Association. This amendment has obtained
     approval from the Minister of Law of the Republic of Indonesia with Decree No. AHU-
     0079868.AH.01.02.TAHUN 2024 and the notification has been submitted to and received by the
     Ministry of Law of the Republic of Indonesia as evident in letter No. AHU-AH.01.03-0219091
     both dated 9 December 2024. (Deed No. 49), the purpose and objective of the Company is to
     engage in the Financing Company and Sharia Financing Company which is a Sharia Business
     Unit. To achieve such purpose and objective, the Company may carry out the following main
     business activities:
     a. Financing Company Activities, includes:
         1. Investment Financing;
         2. Working Capital Financing;
         3. Multipurpose Financing;
         4. Other financing business activities based on the approval of the Financial Services
             Authority;
         5. Operating lease and/or fee-based business activities to the extent not in conflict with
             the laws and regulations in the financial services sector;
     b. Sharia Business Unit activities, including:

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            1. Sale and Purchase Financing;
            2. Investment Financing; and/or
            3. Services Financing.


C.    Capital Structure and Shareholding
      Based on the Register of Shareholders dated 28 February 2025, the Company's capital structure
      and shareholder composition are as follows:

       Keterangan                                       Nilai Nominal per Saham Rp50
                                     Total Shares             Total Nominal Value          %
                                                                     (RP)
           Capital Base             8.000.000.000              400.000.000.000
       1.  MUFG Bank, Ltd.          2.389.384.969              119.469.248.450            89,26
       2.  PT Adira Dinamika         267.703.000                13.385.150.000             10
           Multi Finance Tbk
       3. Masyarakat                  19.799.903                989.995.150               0,74
       Issued and Fully Paid-       2.676.887.872             133.844.393.600             100
       up Capital
       Shares in Portepel           5.323.112.128             266.155.606.400

D.    Management and Supervision
      Based on Notarial Deed of Leolin Jayayanti, S.H., M.Kn. No. 41 dated 25 September 2024,
      which notification has been submitted to and received by the Ministry of Law of the Republic of
      Indonesia as evident in letter No. AHU-AH.01.09-0255967 dated 26 September 2024, the
      composition of the Company's Board of Directors and Board of Commissioners is as follows:

      Directors
      President Directors       : Harryjanto Lasmana
      Director                  : Christel Lasmana
      Director                  : Frederick Nathanael
      Director                  : Sandy Susanto
      Director                  : Roberto AK Un
      Director                  : Yussy Santoso
      Director                  : Danny Hendarko

      Commissioneers
      President Commissioneer           : Niko Kurniawan Bonggowarsito
      Commissioneer Independent         : Rizal Bambang Prasetijo
      Commissioneer                     : Takanori Mizuno

     Each member of the Board of Directors and Board of Commissioners listed in the above
     composition is still serving in the Company as of the date of this Disclosure of Information, except
     for Yussy Santoso who has not served as Director since the closing date of the Extraordinary
     General Meeting of Shareholders held on February 21, 2025.

                                       BONUS SHARE PLAN

A.   Background of Bonus Share Distribution

     The Company is required to fulfil the provisions of Article 72 of the Financial Services Authority
     Regulation No. 47/POJK.05/2020 of 2020 concerning Business Licensing and Institutionalisation
     of Financing Companies and Sharia Financing Companies (‘POJK No. 47/2020’), which
     essentially requires the Company to adjust the provisions regarding paid-up capital to at least
     Rp250,000,000,000.00.

     One of the ways that the Company can comply with the provisions of Article 72 POJK No. 47/2020
     is by distributing bonus shares to all shareholders of the Company which comes from the


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     capitalisation of Additional Paid-up Capital (Agio Saham) of the Company. ("Bonus Shares") as
     stipulated in the Financial Services Authority Regulation Number 27/POJK.04/2020 of 2020
     regarding Bonus Shares (‘POJK No. 27/2020’).

     Approval of the distribution of Bonus Shares will be proposed at the EGM held on Thursday, 17
     April 2025 in accordance with the announcement of the EGM which has been published on the
     Company's website https://www.mandalafinance.com and the Integrated Electronic Reporting
     Facility for Issuers and Public Companies (OJK-IDX E-reporting)..


B.   Benefits of Bonus Share Distribution

     The implementation of the Bonus Shares distribution aims to strengthen the Company's capital
     structure and the Company's efforts to adjust paid-up capital as required by laws and regulations.


               INFORMATION ABOUT THE BONUS SHARE DISTRIBUTION PLAN

A.   Important Dates in Connection with the Bonus Share Plan

     With reference to POJK No. 27/2020, hereby the Board of Directors of the Company plans to
     distribute Bonus Shares originating from a portion of the Additional Paid-up Capital (Agio Saham)
     of the Company as of 31 December 2024 which will be distributed to all shareholders of the
     Company proportionally in accordance with the number of share ownership in the Company
     (‘Bonus Share Distribution’), the following are important dates in relation to the Bonus Share
     Distribution:

      the date of the AGMS which approved the capitalisation of               :   17 April 2025
      Additional Paid-up Capital (Agio Saham) distributed to the
      Company's shareholders as Bonus Shares
      Announcement of Summary of Minutes of AGMS Results and                  :   22 April 2025
      Schedule and Procedures for Bonus Share Distribution.
      Cum Bonus Shares in Regular and Negotiated Market                       :   28 April 2025
      Ex Bonus Shares in Regular and Negotiated Market                        :   29 April 2025
      Cum Bonus Shares in Cash Market                                         :   30 April 2025
      Ex Bonus Shares in Cash Market                                          :   2 Mei 2025
      Application for listing of additional shares originating from Bonus     :   14 Mei 2025
      Shares
      Recording date who are entitled to receive Bonus Shares                 :   30 April 2025
      Bonus Share Distribution                                                :   22 Mei 2025
      Submission of the audit results of the Bonus Share distribution         :   5 Juni 2025
      report that has been examined by a Public Accountant

B.   Capitalisation Value of Additional Paid-in Capital (Agio Saham) of the Company as of 31
     December 2024

     Additional Paid-up Capital as of 31 December 2024 as recorded in the Company's Financial
     Statements audited by the Public Accounting Firm Liana, Ramon, Xenia & Partners signed by
     Elisabeth Imelda, S.E., M.Ak., CPA, AP.0849 with report No. 00029/2.1460/AU.1/09/0849-
     1/1/II/2025 dated 28 February 2025, was recorded at Rp143,484,813,156. The Board of Directors
     will propose to distribute Bonus Shares from the capitalisation of Additional Paid-in Capital (Agio
     Saham) in the amount of Rp116,155,606,400.

C.   Distribution Ratio of Bonus Shares Derived from Additional Paid-in Capital (Agio Saham)

     Taking into account the number of shares issued in the Company totalling 2,676,887,872 shares
     with a nominal value of Rp50 (fifty Rupiah) per share. It is proposed that the distribution of Bonus
     Shares derived from the Capitalisation of Additional Paid-in Capital (Agio Saham), such that the
     ratio of each holder of 1,000 shares on the date of determination of the Register of Shareholders


                                                   4
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          Eligible to obtain Bonus Shares derived from Additional Paid-in Capital (Agio Saham) will obtain
          867.840656 Bonus Shares with a nominal value of Rp50 (fifty Rupiah) per share. Rp50 (fifty
          Rupiah) per share. Therefore, the number of shares to be issued as Bonus Shares from the
          Capitalisation of Additional Paid-in Capital (Agio Saham) will be 2,323,112,128 Bonus Shares.

D.        Basis of Pricing used as the basis for distributing Bonus Shares from Additional Paid-in
          Capital (Agio Shares)

          The issue price of Bonus Shares originating from the Capitalisation of Additional Paid-in Capital
          (Agio Saham) is carried out using a nominal value of IDR 50 (Fifty Rupiah) as stipulated in Article
          9 POJK No. 27/2020.

E.        The Effect of Bonus Share Distribution on the Company, Shareholders' Investment Value
          and the Company's Share Price

          1. Impact on the Company.
             The distribution of Bonus Shares originating from Capitalisation from Additional Capital (Agio
             Saham) will strengthen the Company's capital structure and increase the number of Shares
             of the Company which is one of the Company's efforts to increase the number of shares
             owned by shareholders so that it is expected that share trading on the Stock Exchange will
             become more liquid..

              The Company's capital based on the list of shareholders published by the Share Registrar
              PT Sinartama Gunita on 5 March 2025 and the capital assumptions before and after the
              issuance of Bonus Shares both from Capitalisation of Retained Earnings and Capitalisation
              of Additional Paid-in Capital are as follows:

           Keterangan           Before Bonus Share Distribution              After Bonus Share Distribution
                                 Total Shares       Total Nominal        %     Total shares        Total Value     %
                                                   Value Rp50 per                              Nominal Rp50 per
                                                        shares                                        shares
           Capital Base         8.000.000.000    400.000.000.000             8.000.000.000    400.000.000.000
           Issued        and
           Fully     Paid-up
           Capital
     1.    1. MUFG Bank         2.389.384.969    119.469.248.450    89,26    4.462.989.962    223.149.498.100     89,26
           Ltd
     2.    2.    PT     Adira   267.703.000       13.385.150.000    10       500.026.548      25.001.327.400      10
           Dinamika Multi
           Finance Tbk
     3.    3. Public             19.799.903        989.995.150      0,74      36.983.490       1.849.174.500      0,74
     4.    Total      Issued    2.676.887.872    133.844.393.600    100      5.000.000.000    250.000.000.000     100
           and       Paid-up
           Capital
     5.    Shares          in   5.323.112.128    266.155.606.400             3.000.000.000    150.000.000.000
           Portepel



          2. Effect on Shareholders.
             a. The distribution of Bonus Shares whether derived from Capitalisation of Retained
                 Earnings or Capitalisation derived from Additional Capital (Agio Saham) cannot be
                 indicated as the company's ability to achieve a performance.
             b. The distribution of Bonus Shares is made proportionally to all shareholders of the
                 Company in accordance with their ownership portion, as well as the value of
                 shareholders' investment in the Company's shares both before and after the distribution
                 of Bonus Shares is the same.
             c. The issuance of Bonus Shares originating from the capitalisation of agio uses the nominal
                 value of the Company's shares of Rp. 50, - (fifty Rupiah) per share, thus after the date of
                 determining the list of shareholders entitled to Bonus Shares, the market price per unit of
                 the Company's shares on the Indonesia Stock Exchange may be affected in proportion
                 to the Bonus Share distribution ratio.
             d. With the distribution of Bonus Shares, the number of units of the Company's shares in
                 the market will increase followed by an adjustment in the price of the Company's shares


                                                             5
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              after the Bonus Shares are distributed. distribution of Bonus Shares, it is expected that
              the distribution of the Company's shares will become more evenly distributed in the
              community and the Company's shares will become more liquid and better reflect the
              performance of the Company.

                               TAX TREATMENT OF BONUS SHARES

As stipulated in Circular Letter of Director General of Taxes No. SE-18/PJ.41/1993 concerning Income
Tax Treatment of Bonus Shares Received by Shareholders Derived from the Conversion of Agio Shares
(‘SE-18/PJ.41/1993’), Bonus Shares derived from the capitalisation of Agio Shares are not included in
the definition of dividends, as they are not part of the profits received by shareholders. Then referring
to Government Regulation No. 94 of 2010 dated 30 December 2010 concerning Calculation of Taxable
Income and Payment of Income Tax in the Current Year (‘Government Regulation No. 94/2010’)
stipulates that the tax object of the Company is taxable income. 94/2010‘) stipulates that the tax object
in the form of dividends as referred to in Article 4 paragraph (1) letter g of Law Number 7 Year 1983 on
Income Tax as amended several times and last amended by Law Number 7 Year 2021 on
Harmonisation of Tax Regulations (’Income Tax Law") does not include the granting of Bonus Shares
made without deposit derived from the capitalisation of Agio Shares to shareholders who have
deposited capital or purchased shares above the nominal price, as long as the total nominal value of
shares owned by shareholders after the distribution of Bonus Shares does not exceed the amount of
capital deposit. SE-18/PJ.41/1993 and PP No. 94/2010 which is an implementing regulation of the
Income Tax Law, is still valid or has not been replaced based on the Income Tax Law. Thus, the receipt
of bonus shares originating from the conversion of Agio Shares is not included as an object of
withholding income tax Article 23.

The acceptance of bonus shares originating from the capitalisation of Agio Shares does not change the
total value of share participation/total acquisition price of shares, but decreases the value/historical
acquisition price per unit of those shares due to the increase in the number of shares without deposit.
Therefore, if the shares in question (bonus shares converted from share capitalisation and original
shares) are sold, in order to calculate the amount of gain due to the sale of the shares, the acquisition
price is valued at historical value calculated by averaging in accordance with the principles adopted in
the provisions of the Income Tax Law.


                  PROCEDURES FOR THE DISTRIBUTION OF BONUS SHARES

The LB GMS is expected to approve the proposed distribution of Bonus Shares originating from the
capitalisation of retained earnings and the implementation of the distribution of bonus shares will be
carried out with the following procedures and procedures:

A.    Eligible Shareholders

      Shareholders who are entitled to receive Bonus Shares are shareholders listed in the Register of
      Shareholders of the Company on 30 April 2025 (Recording Date) with due regard to share
      ownership by such shareholders obtained based on share trading on the Indonesia Stock
      Exchange at the latest on 28 April 2024 in the regular and negotiated market (cum bonus regular
      and negotiated market), and on 30 April 2025 in the cash market (cum bonus cash market).

B.    Rounding

      If a shareholder receives Bonus Shares in fractional form (not in share units), the shares will be
      rounded up for any fraction of more or less than half (>0.5 or <0.5). Any shortfall in shares arising
      from such rounding will be taken from the Company's retained earnings.

C.    Bonus Share Distribution

      1. For shareholders whose shares are placed in the collective custody of PT Kustodian Sentral
         Efek Indonesia (KSEI), the Bonus Shares will be distributed through a securities account in
         a sub-account in the name of the shareholder on 22 May 2025..


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      2. For shareholders whose shares are still in the form of script, the Shareholders can collect the
         Bonus Shares since 22 May 2025 through the Company's Securities Administration Bureau,
         namely :

                                          PT Sinartama Gunita
          Menara Tekno Lt.7, Jl. Fachrudin No.19, Tanah Abang, Jakarta Pusat 10250, Indonesia
                                           Telp: (021) 392 3003
                                     Email: helpdesk1@sinartama.co.id

          By bringing the following documents:

          For individual:

          Original valid identity card (KTP). If authorised, it must bring the original power of attorney
          signed on the seal by attaching a copy of the valid proof of identity of the authoriser and bring
          the original proof of identity that is still valid owned by the recipient of the power of attorney.

          For legal entities:
          - Copy of the Deed of Articles of Association
          - Copy of the Deed of the Last Management Structure


                                     ADDITIONAL INFORMATION

To obtain information in relation to the Bonus Shares, the Company's shareholders may submit it to the
Company's Corporate Secretary, on any business day and hour to the following email address:

                                       Corporate Secretary
                                 PT MANDALA MULTIFINANCE TBK

                                             Address:
                    Jl. Menteng Raya No. 24 A-B Jakarta Pusat 10340, Indonesia
                                      Telp: (6221) 2925 9955
                                Email: corsec@mandalafinance.com




                                                     7

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Names mentioned 30 people and organisations named in the text · linked when the evidence is strong

linked org MANDALA MULTIFINANCE TBK p.1 ×14
linked person Harryjanto Lasmana p.3
linked person Christel Lasmana p.3
linked person Frederick Nathanael p.3
linked person Sandy Susanto p.3
linked person Roberto AK Un p.3
linked person Yussy Santoso p.3 ×2
linked person Danny Hendarko p.3
linked person Niko Kurniawan Bonggowarsito p.3
linked person Rizal Bambang Prasetijo p.3
linked person Takanori Mizuno p.3
possible org MUFG Bank p.3 ×2
unresolved org FINANCIAL SERVICES AUTHORITY p.1 ×5
unresolved org PT Vidya Cipta Leasing Corporation p.2
unresolved person Joenoes Enoeng Maogiman p.2
unresolved org Minister of Justice p.2
unresolved person Mala Mukti p.2 ×2
unresolved org Minister of Law p.2 ×2
unresolved org Ministry of Law p.2 ×4
unresolved person Leolin Jayayanti p.2 ×2
unresolved org Bapepam-LK p.2 ×2
unresolved org Indonesia Stock Exchange p.2 ×3
unresolved org PT Adira Dinamika p.3
unresolved org Adira Dinamika | 267.703.000 | 13.385.150.000 | 10 Multi Finance p.3
unresolved org Multi Finance Tbk p.3
unresolved org Xenia & Partners p.4
unresolved person Elisabeth Imelda p.4
unresolved org Dinamika Multi Finance Tbk p.5
unresolved org PT Kustodian Sentral Efek Indonesia p.6
unresolved org PT Sinartama Gunita Menara Tekno p.7

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