20260626_POLA_Tanggapan atas Permintaan Penjelasan Bursa_32105005_lamp1.pdf

2. Penjelasan perubahan nilai yang jauh lebih besar pada sub akun Pemulihan Cadangan Kerugian

Ekspektasian Piutang Pembiayaan periode 30 September 2025 sebesar Rp17 miliar dibandingkan
dengan sub akun (PenyisihanYpemulihan cadangan kerugian ekspektasian piutang pembiayaan
pada bagian Informasi Segmen (CALK 32) periode 31 Desember 2025 sebesar Rp590 juta dan nilai
yang sama diakui sebagai sub akun Penyisihan Cadangan Kerugian Ekspektasian Piutang
Pembiyaan yang dicatatkan sebagian bagian dari Beban.
Please explain the significant difference between the amount Of IDR 17 billion recognized under the sub-account
"Reversal of Expected Credit Loss (ECL) Allowance on Financing Receivables” in the Financial Statemenis for the period
ended 30 September 2025 and the amount af IDR 590 million recognized under the sub-account "(Provision//Reversal UN
Expected Credit Loss (ECL) Allowance on Financing Receivables" disclosed in the Segment Information (Note 32) to the
Financial Statemenus for the period ended 31 December 2025. while the same amouni was also recognized under the sub-
@ccount "Provision for Expected Credit Loss (ECL) Allowance on Financing Receivables" as part of expense.

Penjelasan Perusahaan :
Company's Explanation :

Berikut rincian pengakuan penyisihan dan pemulihan CKPN:
The details of the provision and reversal Of'ihe Expected Credit Loss (ECL) Allowance are as follows:

1. Periode sampai dengan 30 September 2025
For the Period Ended 30 September 2025

Penyisihan CKPN Pemulihan CKPN
Provision for Expected Credit Loss (ECL) Allowance Reversal of Expeoted Credit Loss
(BCL) Allowance
Investasi Rp 7.070.536.682 Rp 395.818.390
Iiwestment Financing
Modal kerja Rp. 1.954.716.684 Rp 4.775.000.000
Working Capital Financing
Murabahah Rp 339.418.048 Rp 40.444.338
Murabahah Financing
Ijarah Rp 4.286.906.421 Rp 751.483.413
Ijarah Financing
MMO Rp 3.374.084.871 Rp 1.707.641.206
Musyarakah Mutanagisah (MMO) Financing
Total Rp 17.025.662.706 Rp 17.670.387.347

3. Periode sampai dengan 31 Desember 2025
For the Period Ended 31 December 2025

Penyisihan CKPN Pemulihan CKPN Nett Off KAP
Provision for Expected Credit Loss (BCL) Allowance Reversal of Expected Credit Net Presentation by
Loss (BCL) Allowance External Auditor

Investasi Rp 7.351.231.682 | Rp 395.818.390 Rp 6.955.413.292
Investment Fmancing
Modal kerja Rp. 1.954.716.684 | Rp 4.775.000.000 (Rp 2.820.283.316)
Working Capital Financing
Murabahah Rp 50.000.000 (Rp 156.127.357 |(Rp 106.127.357)
Murahaheh Financing
Ijarah Rp 5.111.957.542 | Rp 751.483.413 Rp 4.360.474.129
Ijarah Financing
MMO Rp 3.909.053.624 | Rp 11.707.641.206 | (Rp 7.798.587.582)
Musyarakah Mutanagisah OLMO)
Financing
Total Rp 18.376.959.532 | Rp 17.786.070.366 Rp 590.889.166

Pada Laporan Laba Rugi Unaudited periode 30 September 2025 terdapat Pemulihan sebesar
Rp 17,67 miliar yang pembentukan Penyisihannya terjadi pada periode - periode tahun
sebelumnya, dan pembentukan Penyisihan dalam tahun 2025 sebesar Rp 17,02 miliar.

Sesuai dengan kebijakan Perusahaan atas Pemulihan untuk pembentukan Penyisihan yang
terjadi pada periode tahun sebelumnya diakui sebagai Pendapatan dan bukan sebagai faktor
pengurang Beban.

Pada Laporan Laba Rugi 4udired periode 31 Desember 2025 KAP melakukan nett Off antara
Pemulihan dan Penyisihan tahun 2025 dengan pertimbangan mengikuti ketentuan PSAK. 109
paragraf 5.5.8.

In Ihe unaudited Statement of Profit or Loss for ihe period ended 30 September 2025, the Company recognizad a
Reversal of Expected Credit Loss (ECL) Allowance @mounting to IDR 17.67 billion, representing the reversal of"
Provislons Ihat had been established in prior years. During 2025, the Company also recognized a Provision for
Expected Credit Loss (ECL) Alowance amounting to IDR 17.02 billion.

In aecordance with he Company's dccounting policy, the reversal of provisions established in prior years is
Tecognized as income rather than as a deducrion from expense,

In ihe audited Statement of Profit or Loss for the period ended 31 December 2025, the external auditor presented
(he reversal and the provision recognized during 2025 on a net basis in accordance with PSAK 109 paragraph 5.5.8.

IE. Laporan Keuangan Periode 31 Desember 2025
Financial Statements for the Pertod Ended 31 Desember 2025

1. Sehubungan dengan arus kas dari aktivitas operasi terdapat sub akun Penerimaan Pendapatan
Lainnya periode 31 Desember 2025 sebesar Rp23 miliar yang mengalami peningkatan signifikan
dibandingkan periode 31 Desember 2024 sebesar Rp2 miliar. Agar dijelaskan:

In relation to the cash flows from operating activities, he sub-account "Other Operating Receipis"
amounted to IDR 23 billion for the period ended 31 December 2025, representing a significant
increase compared to IDR 2 billion for the period ended 31 December 2024. Please provide an
explanation :

a. Nature pengakuan dari sub akun Penerimaan Pendapatan Lainnya
Please explain the nature of ihe recognition of the sub-account "Other Operating Receipts
Penjelasan Perusahaan :
Company's Explanation :

Sub akun penerimaan Pendapatan Lainnya merupakan Pendapatan yang diterima selain dari
Pendapatan Angsuran, Penerimaan Bunga Deposito dan Penjualan Aset Tetap. (Seperti
Penerimaan Denda atas angsuran, Pendapatan Administrasi dan Provisi, dan Pendapatan
Lainnya).

The sub-account "Other Operating Receipis" represents receipts from income sources other than instaliment

receipis, interest Income jrom time deposits, and proceeds from the sale of'fixed asseis. These include, amon, 1g others,
receipts from installment penaliies, administration and provision fees, and other income.

b. Rincian perhitungan dari sub akun Penerimaan Pendapatan Lainnya per 31 Desember 2025.
Detailed caleulation of the sub-account Other Income Receipts as of 31 December 2025.
Penjelasan Perusahaan :
Company's Explanation :

Berikut rincian Penerimaan pendapatan Lainnya periode 31 Desember 2025:
The following is the detailed breakdown of Other Income Receipts for the period ended 31 December 2025:

Keterangan Description Nominal Amount
Denda Rp 680.816.820
Penairy Fces

Administrasi Rp 309.580.000
Administrative Fees

Angsuran Pinjaman Karyawan Rp 124.921.648
Employee Loan Instaliment Payments

Fee Asuransi, KJPP dan Notaris Rp 26.326.358
Insurance, KJPP, and Notary Fees

Penyelesaian Deposito BVS Rp 13.500.000.009

IE

BVS Deposit Setrlement
Penerimaan Angsuran yang belum dibukukan Rp 7.769.908.701
Receipt of Installments Not Yet Recorded

Pengembalian kelebihan Uang Muka/ DanaTalangan | Rp 163.086.663
Refiund of Excess Down Payment / Briaging Funds

Pendapatan Bunga Pihak Berelasi Interco Rp 655.539.676
Interest Income from Related Parttes (Intercompany)
Total Rp 23.230.179.866

Cc. Penjelasan peningkatan signifikan sub akun Penerimaan Pendapatan Lainnya periode 31
Desember 2025 dibandingkan periode 31 Desember 2024.

Explanation of the significant increase in the Other Income Receipts sub-account for the period ended 31 December
2025 compared to the period ended 31 December 2024.

Penjelasan Perusahaan :
Campany's Explanation :

Peningkatan yang signifikan karena terbayarnya Deposito BVS dan titipan Pembayaran
Angsuran yang belum jatuh tempo.

The significant increase was mainly driven by the seitlement of BVS deposits and the receipt of advance instaliment
paymenis that were not yet due.

4. Penjelasan nilai sub akun Penerimaan Pendapatan Lainnya periode 31 Desember 2025 sebesar
Rp23 miliar mengingat sub akun Pendapatan Lain-Lain periode 31 Desember 2025 sebesar
Rp6,3 miliar.

Explanation of the Other Income Receipis sub-account balance as of 31 December 2025 amounting to IDR 23 billion,
in relation to ihe Other Income account balance as of 31 December 2025 of IDR 6.3 billion.

Penjelasan Perusahaan :

Company's Explanation :

Sub akun pendapatan lainnya pada laporan arus kas dan pendapatan lain-lain pada taporan
kenangan terjadi perbedaan nominal yang sangat signifikan dikarenakan sebagai berikut:

The Other Income Receipts sub-account in the cash flow statement and the Other Income in the financial statements
show a significant difference in amounts due to the following:

1) Penerimaan dana sebesar Rp 13,5 miliar dari BVS bukan sebagai pendapatan tetapi sebagai
pembayaran deposito.

Receipt of fimds amounting to IDR 13.5 billion from BVS is not recognized as income, but rather as a deposit
payment.

2) Penerimaan atas Bunga Bank (Bunga Deposito dan Giro Bank) sebesar Rp 3,13 miliar pada
Laporan Arus Kas Penerimaan Bunga Bank tersebut diakui secara terpisah dari Penerimaan
Pendapatan Lainnya. Sedangkan pada Laporan Keuangan Penerimaan Bunga Bank tersebut
diakui sebagai Pendapatan Lain-Lain.

Bank interest receipts (interest from time deposits and current accounts) amounting to IDR 3.13 billian are
presented separately in Ihe Cash Flow Statement under Interest Income Receipts. Meanwhile, in the Financial
Statements, such bank interest is recognized as part af Other Income,

3) Penerimaan Angsuran debitur yang belum dibukukan sebesar Rp 7,77 miliar, pada Laporan
Arus Kas diakui sebagai Penerimaan Pendapatan Lain-Lain. Sedangkan di Laporan
Keuangan uang masuk tersebut tidak diperbolehkan diakui sebagai Pendapatan Perusahaan
tetapi harus di akui sebagai Utang Perusahaan untuk di tindak lanjuti sebagai angsuran
debitur berikutnya.

Receipt of debtor installment paymenis that have not yet been recorded amounting to IDR 7.77 billion is
recognized in Ihe Cash Flow Statement as Other Income Receipis. However, in ihe Financial Statemenis, such
cash inflows are not allowed to be recognized as Company Income and must instead be recorded as a liabiliry
Of the Company to be subseguently allocated against the debtor s future installment payments.

2. Penjelasan latar belakang penurunan signifikan pada akun Penyisihan Cadangan Kerugian
Ekspektasian Piutang Pembayaran per 31 Desember 2025 yang mengalami penurunan sebesar
Rp21,7 miliar.

Explanation of Ihe background of the significant decrease in the Allowance for Expected Credit Loss on Receivables as
Of 31 December 2025, which decreased by IDR 21.7 biliton.

Penjelasan Perusahaan :
Company's Explanation :

Penyisihan CKPN dilakukan Perusahaan untuk menjaga rasio NPF Net sesuai dengan ketentuan.
Penuruuan signifikan pada akun Penyisihan CKPN di karenakan pada tahun 2025 di nert off menjadi
sebesar Rp 590 juta dari Penyisihan CKPN sebesar Rp 18,4 miliar dan Pemulihan Cadangan sebesar
Rp 17,8 miliar.

The Company recognizes the Allowance for Expected Credit Loss (CKPN) to maintain the Net NPF ratio in accordance
with regulatory reguirements.

The significant decrease in he CKPN allowance was due to the netling-off process in 2025, resulting in anet balance of
IDR 590 million, derived from an allowance for CKPN Of IDR 184 billion and a reversal (recovery) of provisions

amounting to IDR 17.8 billion.

3. Sehubungan dengan akun Penyisihan Cadangan Kerugian Ekspektasian Piutang Pembiayaan per
31 Desember 2025 sebesar Rp590 juta, agar dijelaskan:
(In relation to the Allowance for Expected Credit Loss on Financing Recetvables as of 31 December 2025 amounting to
IDR 590 million, plcase provide an explanation:

a. Latar belakang penurunan signifikan akun Penyisihan Cadangan Kerugian Ekspektasian
Pintang Pembiayaan per 31 Desember 2025 dibandingkan periode 31 Desember 2024.
Background of the significant decrease in the Allowance. Jor Expected Credit Loss on Financing Receivables as Of
31 December 2025 compared to the period ended 31 December 2024.

Penjelasan Perusahaan :
Company's Explanation :

Penurunan signifikan pada akun Penyisihan CKPN di karenakan pada tahun 2025 di nett off
menjadi sebesar Rp 590 juta dari Penyisihan CKPN sebesar Rp 18,4 miliar dan Pemulihan
cadangan sebesar Rp 17,8 miliar.

The significant decrease in the CKPN allowance was due to the 2025 nel-off process, resulting in a remaining
balance of IDR 590 million, derived from an allowance OfIDR 184 billion and a reversal (recovery) af provisions
amounting to IDR 17.8 billion,

b. Nature pengakuan dari akun Penyisihan Cadangan Kerugian Ekspektasian Piutang
Pembiayaan.
Nature of recognition of the Allowance for Expected Credit Loss on Financtng Reveivahles account,

Penjelasan Perusahaan :
Company's Explanation :

Penyisihan Cadangan Kerugian Ekspektasian Piutang Pembiayaan, sebagai Beban
pembentukan cadangan yang di atur dalam PSAK 109 dan POJK No 35/POJK.05/2018 jo POJK
No 46/2024.

The Allowance for Expected Credit Loss on Financing Receivables is recognized as an expense for the establishment
Of reserves, as governed by PSAK 109 and OJK Regulation No. 35/POJK.05/2018 in conjunction with POJK No,
46/2024.

4. Berdasarkan CALK 14 — Piutang lain-lain, agar dijelaskan:
Based on Notes to the Financial Statemenrs (CALK) 14— Other Receivables, please provide an explanation:
a. Rincian dari akun Piutang lain-lain pihak berelasi periode 31 Desember 2025 sebesar Rp2,7
miliar.
Breakdown ofthe Related Parties Other Receivables account as of 31 December 2025 amounting to IDR 2,7 billion.

Penjelasan Perusahaan :
Cempany's Explanation :

Berikut Rincian Piutang lain-lain atas pihak berelasi periode 31 Desember 2025:
The following is ihe breakdown of Related Parties Other Receivables as Of 31 December 2025:

2

Keterangan Description Nominal Amount
Pinjaman pihak berelasi Rp 656.207.500
Loan to related parties

Akrual bunga pihak berelasi Rp 2.114.159.427
Acerued interest from related parties

Total Rp 2.770.366.927

b. Latar belakang Perseroan masih mengakui piutang lain-lain pihak berelasi PT Pool Advista
Indonesia Tbk periode 31 Desember 2025 sebesar Rp2,7 miliar mengingat pada tahun 2025.
Perseroan melakukan reklasifikasi akun piutang lain-lain pihak berelasi menjadi akun
piutang pembiayaan investasi.

Background of ihe Company still recognizing Other Receivables from related party PT Pool Advista Indonesia Tbk

as of31 December 2025 amounting to IDR 2.7 billion, considering that in 2025 the Company reclassified the related
party other receivables into an investment financing receivable account.

Penjeiasan Perusahaan :
Company's Explanation :

Piutang Lain-Lain pihak berelasi sebesar Rp. 2,7 miliar adalah piutang atas akrual bunga PT.
Pool Advista Indonesia Tbk (POOL) yang piutang pokoknya sebesar Rp. 12,5 miliar telah
dilakukan pelunasan pada tanggal 23 November 2023.

Other receivables from related parties amounting to IDR 2.7 billion represeni accrued interest receivables from PT
Pool Advista Indonesia Tbk (POOL), while the principal receivable of IDR 12.5 billion was Fully repaid on 23
November 2023,

Pada tahun 2025 Perseroan melakukan rektasifikasi piutang lain-lain POOL menjadi piutang
pembiayaan sebesar Rp 20 miliar adalah sesuai dengan arahan dari OJIK-PM dalam meeting
pada tanggal 23 September 2024, dimana piutang tersebut seharusnya merupakan piutang
pembiayaan sesuai dengan kegiatan utama Perusahaan yaitu memberikan pembiayaan kepada
debitur-debitur.

In 2025, the Company reclassified the receivables from POOL from other receivables into financing receivables
amounting to IDR 20 billion, in accordance with guidance from OJK-PM during a meeting held on 23 September

2024, where it was stated Ihat such receivables should be classified as financing receivables, consistent with the
Company's main business activity of providing financing to debtors.

5. Berdasarkan CALK 26 — Pendapatan lain-lain terdapat sub akun lain-lain sebesar Rp2,4

miliar, agar dijelaskan rincian lain-lain sebesar Rp2,4 miliar tersebut,
Based on Notes to ihe Financial Statements (CALK) 26 — Other Income, there is an “others” sub-accoum amounting to
IDR 24 billion. Please provide the breakdown ofthis IDR 2.4 billion “others” balance.

Penjelasan Perusahaan :
Company's Explanation :

Berikut rincian Pendapatan lain-lain periode 31 Desember 2025:
The following is the breakdown of Other Income for ihe period ended 31 December 2025:

Keterangan Description Nominal Amount
Unrealized gain Portofolio efek saham dan reksadana Rp 584.643.239
Unrealized gain on eguity securities and mutual find portfoltos

Pendapatan Bunga Interco pihak berelasi Rp 1.769.681.212

Interest income from intercompany transactions (related parties)

Penerimaan pendapatan bunga Debitur/ Nasabah yang sudah jatuh | Rp 145.173.333
tempo
Interest income received from debtors/customers on matured receivables

Total Rp 2.499.497.784

HI, Laporan Keuangan Periode 31 Maret 2026
Financial Statemenis for the Period Ended 31 Desember 2025

1. Sehubungan dengan sub akun Pemulihan Cadangan Kerugian Ekspektasian Piutang Pembiayaan
periode 31 Maret 2026 sebesar Rp2,4 miliar yang dicatatkan sebagian bagian dari pendapatan
periode 31 Maret 2026, agar dijelaskan:

In relation to the Allowance for Iixpecred Credit Loss Recovery on Financing Receivables sub-acoount for Ihe period
ended 31 March 2026 amounting to IDR 2:4 billion, which is recorded as part Of income for the period ended 31 March
2026, please provide an explanation:

a Penjelasan tidak mengakui sub akun Pemulihan Cadangan Kerugian Ekspektasian Piutang
Pembiayaan yang dicatatkan sebagian bagian dari Pendapatan periode 31 Desember 2025
mengingat pada periode 30 September 2025 dan 31 Maret 2026 mengakui sub akun Pemulihan
Cadangan Kerugian Ekspektasian Piutang Pembiayaan yang dicatatkan sebagian bagian dari
pendapatan.

Explanation for not recognizing the Allowance for Expecred Credit Loss Recovery on Financing Receivables sub-

account as part of income for the period ended 31 December 2025, considering that in the periods ended 30
September 2025 and 31 March 2026 the Company recognized such recovery as part Ofincome.

Penjelasan Perusahaan :
Company's Explanation :

Pada Laporan Keuangan Periode 31 Desember 2025, perusahaan menerapkan kebijakan

perusahaan terhadap Pemulihan CKPN, akan tetapi secara penyajian pada laporan laba rugi sub

akun Pemulihan CKPN di nett off dengan sub akun Penyisihan CKPN oleh KAP, untuk
Pelaporan audit berikutnya perusahaan akan mendiskusikan hal ini dengan KAP.

Untuk Pelaporan periode 31 Maret 2026 perusahaan tetap konsisten atas kebijakan perusahaan

bahwa perlakuan akuntansi untuk pemulihan atas pembentukan penyisihan yang terjadi pada
periode tahun -tahun sebelumnya diakui sebagai pendapatan dan bukan sebagai faktor
pengurang beban.

in the Financial Starements for ihe period ended 31 December 2025, the Company applied its intemal policy
regarding CKPN recovery. However, in the presentation Af the profir amd loss siatemenr, ihe CKPN recovery sub-
@ccouni was netted off against the CKPN allowance sub-account by ihe External Auditor (KAP), For the subseguent
audit reporting period, the Company will discuss this matter "further with the KAP.

For the reporting pertod ended 31 Mareh 2026, the Company will Consistently apply His policy ihat the accounting
treatment for recoveries af provisions established in prior years is recognized as Income and not as a reduction of'

expenses.

b. Latar belakang penurunan signifikan sub akun Pemulihan Cadangan Kerugian Ekspektasian
Piutang Pembiayaan dari Rp16 miliar pada periode 31 Maret 2025 menjadi Rp2,4 miliar pada
periode 31 Maret 2026.

Background of the significant decrease in Ihe Allowance for Expected Credit Loss Recovery on Financing
Receivables sub-aceount from IDR 16 billion as of 31 March 2025 to IDR 2.4 billion as of 31 March 2026.

Penjelasan Perusahaan :
Company's Explanation :

Karena pada periode 31 Maret 2025 terjadi pemulihan CKPN sebesar Rp 16 miliar dikarenakan
terdapat 1 debitur bermasalah dengan 2 fasilitas yaitu Modal kerja dan MMO yang
menyelesaikan kewajibannya dan pada periode 31 Maret 2026 terjadi pemulihan CKPN sebesar
Rp 2,4 miliar atas 5 debitur bermasalah yang menyelesaikan kewajibannya.

The decrease was due to the higher level of CKPN recovery recorded in the. period ended 31 March 2025 amounting
to IDR 16 billion, which was driven by one non-performing debtor with two facilittes (working capital and MMO)
that fully settled its obligations.

Meanwhile, in the period ended 31 March 2026, CKPN recovery amounted to IDR 24 billion, arising from five non-
performing dehtors that setiled their obligations, resulting ina lower total recovery compared to the previous period.

1

Berdasarkan CALK 6 — Piutang Pembiayaan Investasi, nilai Piutang Pembiayaan Investasi pihak
berelasi periode 31 Maret 2026 sebesar Rp20,4 miliar mengalami peningkatan dibandingkan
periode 31 Maret 2025 sebesar Rp20,2 miliar. Agar dijelaskan:

Based on Notes to the Financial Statements (CALK 6 — Investment Financing Receivables), ihe Investment Financing
Receivables from related parites as of 31 March 2026 amounted to IDR 2014 illion, an increase compared to IDR 20.2
billion as af 31 March 2025. Please provide an explanation:

a. Penjelasan latar belakang naiknya nilai piutang Pembiayaan Investasi pihak berclasi periode
31 Maret 2026.
Background of ihe increase in Invesiment Financing Receivables from related parties as Of 31 March 2036.

Penjelasan Perusahaan :
Company's Explanation :

Pada 31 Maret 2025 belum ada piutang pembiayaan investasi pihak berelasi. Peningkatan
pada piutang pembiayaan investasi pihak berelasi antara periode 31 Maret 2026 dan 31
Desember 2025 sebesar Rp 233 juta dikarenakan pembentukan akual bunga (dengan suku
bunga 1494).

As of 31 March 2025, there were no Investment Financing Receivables from related parties. The increase in

Invesimeni Financing Receivables from related parties berween 31 March 2026 and 31 December 2025 amounting
to IDR 233 million was driven by the recognition of accrued interest (at an interest rate of 1486).

b. Strategi yang dilakukan agar piutang tersebut dapat tertagih mengingat terdapat 286 piutang
pembiayaan investasi yang telah jatuh tempo.
Strategies implemented to ensure the collectability of the receivables, considering that 2846 of Ihe Investment
Financing Receivables are overdue.

Penjelasan Perusahaan :
Companp's Explanation :

Atas piutang pembiayaan tersebut sebesar Rp 2,7 miliar memiliki kualitas Dalam Perhatian
Khusus (Kol 2) dan sebesar Rp 7,7 miliar merupakan pembiayaan bermasalah. Strategi yang
dilakukan adalah

The Investment Financing Receivables consist af IDR 2.7 billion classified as Special Mention (Stage 2) and IDR

7.7 billion classified as non-performing financing. The strategies implemented to ensure collectability are as
Jollows:

1) Melakukan penagihan terus menerus baik secara tertulis maupun mendatangi tempat
usaha/ rumah debitur.

Continuous collection efforts, both through written reminders and direct visits to ihe debtor's business
premises or residence.

2) Untuk debitur bermasalah penyelesaiannya dengan melakukan penjualan agunan baik
secara sukarela maupun secara lelang sesuai dengan ketentuan yang berlaku.

For non-performing debtors, settlement is pursued through collateral liguidation, either voluntarily or via
auction, in aecordance with applicable regulatons

Lain-lain
Other matters

1. Informasi/kejadian penting lainnya yang material dan dapat mempengaruhi kelangsungan
hidup perusahaan serta dapat mempengaruhi harga saham Perusahaan.

Other important information/events ihat are material and may affect the Company's going concern as well as ihe
Company 's share price.

Penjelasan Perusahaan :
Company's Explanation :

Adanya kasus hukum perampasan Gedung kantor milik Perusahaan yang dikaitkan dengan tindak
pidana pihak ketiga, dimana saat ini perusahaan sedang mengajukan kasasi ke Mahkamah Agung.
There isa legal case involving the seizure of the Company 's office building, which is linked to a criminal act committed
bya third party. The Company is currently filing a cassation appeal to the Supreme Court.

Demikian penjelasan yang dapat kami sampaikan. Atas perhatiannya kami ucapkan terima kasih
That concludes our explanation. Thank you for your attention.

Hormat Kami/Best regards
PT. Pool Advista Finance Tbk

Pa Nok

Ferry Junarso Nuryatun
Direktur Utama/Presideni Director Direktur / Director