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Public Expose PT Mizuho Leasing Indonesia Tbk 27 Desember / December 2024 Gedung Bank Panin Senayan (Hall B) Lantai 4 / 4th Floor PT Mizuho Leasing Indonesia Tbk Berizin dan diawasi oleh Otoritas Jasa Keuangan PT Mizuho Leasing Indonesia Tbk is Licensed and Supervised by Financial Service Authority Private and confidential
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Daftar Isi / Table of Contents
1. Outlook Perekonomian Indonesia dan Pertumbuhan Piutang
Pembiayaan Perusahaan Pembiayaan /
Indonesian Economic Outlook and Growth of Financing
Company Receivables 3
2. Filosofi Manajemen Perseroan /
Company’s Management Philosophy 6
Visi, Misi, Nilai / Vision, Mission, Value 7
Jejak Langkah Perseroan / Company’s Milestones 8
3. Struktur Pemegang Saham / Shareholder Structure 9
4. Website Terkait / Related Website 11
5. Kegiatan Usaha / Business Activities 13
6. Dewan Komisaris & Direksi /
Board of Commissioners and Board of Directors 15
Dewan Komisaris / Board of Commissioners 16
Direksi / Board of Directors 17
7. Jaringan Unit Bisnis Ritel /
Retail Business Unit Network 18
8. Kinerja Keuangan dan Profil Karyawan /
Financial Performance and Employee Profile 20
Kinerja Keuangan / Financial Performance 21
Rasio Keuangan / Financial Ratio 22
Profil Piutang Pembiayaan /Financing Receivable Profile 23
Fasilitas Pendanaan / Funding Facility 24
Profil Karyawan / Employee Profile 25
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Outlook Perekonomian Indonesia dan Pertumbuhan Piutang Pembiayaan Perusahaan Pembiayaan Indonesian Economic Outlook and Growth of Financing Company Receivables
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Outlook Perekonomian Indonesia dan Pertumbuhan Piutang Pembiayaan Perusahaan Pembiayaan /
Indonesian Economic Outlook and Growth of Financing Company Receivables
Konsumsi pemerintah meningkat pesat pada paruh pertama tahun 2024, dengan lonjakan transfer dan subsidi menjelang pemilihan umum pada
bulan Februari. Ekspor dan impor memperlihatkan pertumbuhan yang pesat pada paruh pertama tahun 2024. Setelah lonjakan kecil pada awal
tahun 2024 yang disebabkan oleh harga pangan yang tinggi, inflasi utama telah menurun, dari 3% pada bulan April menjadi 1,7% pada bulan
Oktober. Kepercayaan bisnis telah membaik, dan belanja konsumen tetap kuat. Penjualan mobil telah menurun sejak tahun 2023, meskipun hal
ini sebagian mencerminkan berakhirnya keringanan pajak pasca pandemi. Hasil panen dan harga sebagian besar telah kembali normal sejak El
Niño pada tahun 2023 menekan hasil panen dan meningkatkan harga. Meskipun harga ekspor komoditas Indonesia (terutama terdiri dari batu
bara, minyak sawit, dan logam) turun dari puncaknya pada tahun 2022-2023, neraca perdagangan tetap positif pada tahun 2024.
Pertumbuhan PDB diproyeksikan sebesar 5,1% pada tahun 2024 dan permintaan domestik terus didorong oleh konsumsi swasta, dan
pertumbuhan investasi akan menguat hingga dua tahun ke depan. Inflasi diperkirakan sebesar 2,3% pada tahun 2024.
Government consumption increased strongly in the first half of 2024, with a surge in transfers and subsidies in the run-up to the February election.
Exports and imports have grown strongly in the first half of 2024. After a small surge in early 2024 caused by high food prices, headline inflation
has declined, from 3% in April to 1.7% in October. Business confidence has improved, and consumer spending remains strong. Car sales have
declined since 2023, though this partly reflects the end of post-pandemic tax breaks. Crop yields and prices have largely normalised since El Niño
in 2023 depressed yields and increased prices. Despite the price fall of Indonesia’s commodity exports (principally comprising coal, palm oil and
metals) from their 2022-2023 peaks, the trade balance has remained positive in 2024.
GDP growth is projected at 5.1% in 2024 and the domestic demand continues to be driven by private consumption, and investment
growth will strengthen over the next two years. Headline inflation is expected to be 2.3% in 2024.
Sumber/ Source:
OECD Economic Outlook 2024 (Prelimenary Version)
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Outlook Perekonomian Indonesia dan Pertumbuhan Piutang Pembiayaan Perusahaan Pembiayaan /
Indonesian Economic Outlook and Growth of Financing Company Receivables
Pada perusahaan pembiayaan, pertumbuhan piutang pembiayaan masih di level yang tinggi dengan profil risiko yang terkendali. Piutang
pembiayaan konvensional tumbuh sebesar 8,79% (yoy) pada September 2024, didukung pembiayaan investasi, modal kerja dan multiguna
yang masing-masing tumbuh sebesar 9,76% (yoy), 8,52% (yoy) dan 7,90% (yoy). Otoritas Jasa Keuangan (“OJK”) optimis tren positif kinerja
sektor jasa keuangan akan terus berlanjut hingga akhir 2024 dimana pertumbuhan piutang pembiayaan akan tumbuh sebesar 10%-12%
In financing company, the growth of financing receivables is still at a high level with a controlled risk profile. Conventional financing receivables
grew by 8.79% (yoy) in September 2024, supported by investment financing, working capital and multipurpose which grew by 9.76% (yoy),
8.52% (yoy) and 7.90% (yoy) respectively. The Financial Services Authority ("OJK") is optimistic that the positive trend in the performance of the
financial services sector will continue until the end of 2024 where the growth of financing receivables will grow by 10%-12%
Sumber/ Source:
Statistik Lembaga Pembiayaan Periode September 2024 – OJK
Statistics of Financing Institutions for the Period of September 2024 – OJK
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Filosofi Manajemen Perseroan Company’s Management Philosophy
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Filosofi Manajemen Perseroan / Company’s Management Philosophy
Menjadi Perusahaan yang Menciptakan Dunia
Berkelanjutan
Be a Creator of a Sustainable World
Menghubungkan Kebutuhan untuk
Menciptakan Masa Depan
Connect Needs to Create the Future
Melalui Kolaborasi, Kami akan Menghadapi
Tantangan, Membuat Perubahan, dan
Mempercepat Penciptaan
Through Collaboration, We will Take on
Challenges, Enact Change, and Accelerate
Creation
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Jejak Langkah Perseroan / Company’s Milestones
2019 2022
• Perseroan melaksanakan PMHMETD II dengan dana Perseroan berubah nama menjadi PT Mizuho Leasing
yang diperoleh untuk penambahan modal senilai Indonesia Tbk dengan alamat Kantor Pusat baru di Menara
Astra Lantai 32, Jalan Jenderal Sudirman Kavling 5-6, Jakarta
Rp434,3 miliar.
10220.
The Company carried out PMHMETD II with total
funding obtained for additional capital of Rp434.3 billion. The Company changed its name to PT Mizuho Leasing
Indonesia Tbk with a new Head Office address at Menara Astra
• Mizuho Leasing Co., Ltd. menjadi Pemegang Saham 32nd Floor, Jalan Jenderal Sudirman Kavling 5-6, Jakarta
Pengendali Perseroan dengan kepemilikan sebesar 10220.
67,44%.
Mizuho Leasing Co., Ltd. became the Controlling
Shareholder of the Company with an ownership of
67.44%.
• Penggabungan usaha dengan entitas asosiasi
PT IBJ Verena Finance (IBJV), dimana Perseroan
menjadi surviving entity.
Merger with associate entity PT IBJ Verena Finance
(IBJV), whereas the Company becomes the surviving
entity.
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Struktur Pemegang Saham Shareholder Structure
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Struktur Pemegang Saham* / Shareholder Structure*
*Per (As of) 30 November 2024
1.078 Pemegang Saham (Shareholders)
Masyarakat / Public
7,50%
PT Bank Pan Indonesia Tbk 25,06%
67,44%
Mizuho Leasing Co., Ltd.
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Website Terkait Related Website
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Website Terkait / Related Website
https://www.mizuho-ls.co.id https://www.pinjamdana.co.id
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Kegiatan Usaha Business Activities
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Kegiatan Usaha / Business Activities
Unit Bisnis Ritel Unit Bisnis Korporasi
Retail Business Unit Corporate Business Unit
Pembiayaan Mobil Bekas Pembiayaan Investasi
Used Car Financing Investment Financing
Pembiayaan Dealer Mobil Bekas Pembiayaan Modal Kerja
Used Car Dealer Financing Working Capital Financing
Kegiatan Usaha Pembiayaan Lain
Pembiayaan Multiguna Berdasarkan Persetujuan OJK
Multi-Purpose Financing
Other Financing Business Activities
Based on Approval from OJK
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Dewan Komisaris & Direksi Board of Commissioners & Board of Directors
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Dewan Komisaris / Board of Commissioners
BHINDAWATI GUNAWAN
Komisaris
Commissioner
YASUO IMAIZUMI MOHAMMAD SYAHRIAL
Komisaris Utama Komisaris Independen
President Commissioner Independent Commissioner
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Direksi / Board of Directors
KONOSUKE MIZUTA YUDI GUSTIAWAN
Direktur Utama Direktur
President Director Director
SHUNSUKE KOJIMA ANDI HARJONO
Direktur Direktur
Director Director
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Jaringan Unit Bisnis Ritel Retail Business Unit Network
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Jaringan Unit Bisnis Ritel* / Retail Business Unit Network*
MEDAN
PEKANBARU
PONTIANAK
SAMARINDA
JAMBI
BALIKPAPAN
PALEMBANG
BANJARMASIN
JABODETABEK
BANDAR LAMPUNG SURAKARTA MAKASSAR
JAKARTA SEMARANG
1 Kantor Pusat / Head Office
5 Kantor Cabang / Branch Offices LAMONGAN
SURABAYA
TANGERANG
2 Kantor Cabang / Branch Offices DENPASAR
BEKASI YOGYAKARTA
KEDIRI
2 Kantor Cabang / Branch Offices
BOGOR MALANG
1 Kantor Cabang / Branch Office
DEPOK
1 Kantor Cabang / Branch Office
BANDUNG
2 Kantor Cabang / Branch Offices
*Per (As of) 30 November 2024
31 Kantor Cabang (Branch Offices)
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Kinerja Keuangan dan Profil Karyawan Financial Performance and Employee Profile
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Kinerja Keuangan / Financial Performance
Dalam Miliar Rupiah / in Billion Rupiah
Tidak Diaudit Audit
Unaudited Audited
Keterangan
Description
Sep 2024 Sep 2023 FY 2023 FY 2022 FY 2021
Total Aset
3.099 2.774 2.794 2.467 2.323
Total Assets
Total Liabilitas
2.342 2.039 2.043 1.777 1.698
Total Liabilities
Total Ekuitas
757 735 750 690 625
Total Equity
YTD Total Pendapatan
345 289 401 333 303
YTD Total Income
YTD Total Beban
340 241 340 278 295
YTD Total Expenses
YTD Laba (Rugi) Bersih
Periode Berjalan
8 47 61 62 (8)
YTD Net Profit (Loss)
for the Period
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Rasio Keuangan / Financial Ratio
Tidak Diaudit Audit
Unaudited Audited
Keterangan
Description
Sep 2024 Sep 2023 FY 2023 FY 2022 FY 2021
ROA 0,22% 2,32% 2,33% 2,52% -0,33%
ROE 1,46% 6,37% 8,47% 8,99% -1,24%
Rasio Gearing
2,94x 2,63x 2,59x 2,42x 2,60x
Gearing Ratio
Rasio Piutang Bermasalah
Neto
0,34% 0,25% 0,19% 2,22% 2,93%
Non Performing Financing
Net
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Profil Piutang Pembiayaan* / Financing Receivables Profile*
Berdasarkan Jenis Pembiayaan Berdasarkan Mata Uang
Based on the Financing Type Based on the Currency
Piutang Pembiayaan Konsumen – Netto / Rupiah
Consumer Financing Receivables – Nett 94,36%
71,24%
Dolar AS /
US Dollar
3,50%
Piutang Sewa Pembiayaan – Netto /
Finance Lease Receivables – Nett
28,76% Yen Jepang /
Japanese Yen
2,14%
*Per (As of) 30 September 2024
Total Outstanding Piutang Pembiayaan
(Total Outstanding Financing Receivables)
Rp 2,97 Triliun (Trillion)
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Fasilitas Pendanaan*) / Funding Facility*)
Profil Pendanaan / Funding Profile
Seluruh fasilitas dijamin dengan jaminan
PT Bank Mizuho Indonesia 73,87% Perusahaan dari Mizuho Leasing Co., Ltd.
All facilities are guaranteed by the corporate
guarantee from Mizuho Leasing Co., Ltd.
PT Bank SMBC Indonesia Tbk
13,90%
(d/h / f.k.a PT Bank BTPN Tbk)
Lain-Lain / Others
• Deutsche Bank AG Jakarta – 1,93%
• SMTB – Singapore 1,39%
• Chugoku Bank - Hongkong 1,26%
PT Bank Resona Perdania 4,48% • PT Bank Pan Indonesia Tbk 0,22%
* Per (As of) 30 September 2024
2,96%
Hachijuni Bank, Ltd., Singapore Total Outstanding Pendanaan
Total Outstanding Funding
Rp 2,23 Triliun (Trillion)
4,80%
Lain-Lain / Others < 2%
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Profil Karyawan* / Employee Profile*
Berdasarkan Jenis Kelamin Berdasarkan Umur
Based on Gender Based on the Age
11,59%
>45
Laki-Laki / Male 80,08%
37,76%
36-45
41,02%
19,92% 26-35
Perempuan / Female
18-25 9,64%
Berdasarkan Status Kepegawaian Berdasarkan Pendidikan
Based on Employment Status Based on Education
S2 / Master 1,04%
Permanen / Permanent 81,12%
S1 / Bachelor 63,80%
Diploma 12,89%
18,88%
Kontrak / Contract
SMA / Highschool 22,27%
*Per (As of) 30 September 2024
768 Karyawan (Employees)
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Sesi Tanya Jawab Q & A Session Private and confidential
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Terima Kasih Thank You PT Mizuho Leasing Indonesia Tbk Menara Astra 32nd floor Jl. Jend. Sudirman Kav. 5-6 Jakarta 10220 P: +62-21 5085.1848 F: +62-21 5085.1849 W: www.mizuho-ls.co.id PT Mizuho Leasing Indonesia Tbk Berizin dan diawasi oleh Otoritas Jasa Keuangan PT Mizuho Leasing Indonesia Tbk is Licensed and Supervised by Financial Service Authority 2024 Copyrights all reserved PT Mizuho Leasing Indonesia Tbk Private and confidential
Names mentioned 16 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Panin Senayan
p.1
unresolved
org
Financial Services Authority
p.5
unresolved
org
Indonesia Tbk
p.8
unresolved
org
PT IBJ Verena Finance
p.8 ×2
unresolved
org
PT Bank Resona Perdania
p.24
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