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Page 1
PUBLIC
EXPOSE



         April 2024
Page 2
HRTA at a
glance
                                   FY23 Financial   2024 Business
HRTA at a glance   Latest Update   Highlight        Strategy
Page 3
                                                     HRTA AT A GLANCE
             The most integrated gold jewellery and gold bar player from midstream to downstream company in Indonesia

                                                                                  INNOVATIVE PRODUCT
                                                            Varied and innovative gold products, designed with creativity and technology,
                                                            cater to all market segments. Easy and secure gold investment options range
                                                                                   from 0.1 gram micro gold to 1 kg.




       DIVERSIFIED BUSINESS                                                                                                                 STRATEGIC ALLIANCES
       An integrated business portfolio encompasses                                                                                         In 2021, collaboration with PT Aneka Tambang Tbk
       precious metal refining facilities, gold jewellery                                                                                   included the introduction of the first 24-carat (99.99%)
                                                                                                                                            micro gold, gold bars, and gold jewellery in Indonesia
       and ingot production factories, distribution
                                                                                                                                            through its subsidiary, PT Emas Antam Indonesia (EAI).
       networks through offline stores and e-
                                                                                                                                            The company has since expanded collaborations with
       commerce, and pawning services.                                                                                                      trusted financial institutions in Indonesia and global
                                                                                                                                            export partners.




PROVEN TRACK RECORD                                                                                                                                             IPO & TOP 50 FORBES
The leading gold jewellery company                                                                                                                              The only company in the gold
in Indonesia with a track record of                                                                                                                             jewellery industry that has gone
more than 30 years.                                                                                                                                             public/IPO on June 21 2017 and has
                                                                                                                                                                succeeded in becoming the best 50
                                                                                                                                                                companies from Forbes Indonesia
                                                                                                                                                                in 2021.
Page 4
CORPORATE STRUCTURE
Most integrated and well-diversified business model




                                                                                         99%                                                                              99%
                                           99%
                                                                                                                                                    PT. Aurum Digital Internusa
                                            Refinery                                     Pawn Holding




               99%                       99%                            99%                                 99%                            99%                  99%




                          Operating in East Java       Operating in West Nusa Tenggara    Operating in East Nusa Tenggara   Operating in Sulawesi   Operating in DKI Jakarta
 Operating in West Java
Page 5
THE MANAGEMENT
                                                     Denny Ong
                                      Fendy Wijaya   Finance Director                      Cuncun Muliawan
Suprihadi Usman                       Commisoner                                      Production &Operational Director
Independent Commisoner




             Ferriyady Hartadinata                                      Sandra Sunanto
                         Commisoner                                        President Director
Page 6
    OUR FACTORIES
                                           Pabrik Sukamenak 2
                                                    •   Capacity: 6 ton   Pabrik Sukamenak 5
                                       •   Product: 75% Gold Jewellery    •   Capacity: 4.5 ton
                                                                          •   Product: 70%-75% Gold Jewellery




Pabrik Sukamenak 1
•   Capacity: 7,5 ton
•   Product: 30%-75% Gold Jewellery

                                                                                                                Pabrik Sapphire
                                                                                                                •   Capacity: 12 ton
                                                                                                                •   Product: 99.99% Gold
                                                                                                                    Jewellery
                                 Refinery
                                                                                                                •   & Fine Gold Bar
                          •   Capacity: 9 ton

                                                                                                                                Source: Company, Google
Page 7
    DIVERSIFIED BUSINESS
                                       s  h
                                     Ca
                                        l d
                                     Go

                             l d
                           Go        l d
                                   Go           s h
                                              Ca d
                                                  ol
                                                G
                                                          Ca
                                                       Go s h
                                                         ld


                                                           The gold shop business uses gold as
                                                              a means of payment, so the cash
                                                            received will be converted to gold.
Source : Company, Google
Page 8
Latest
Update
                                   FY23 Financial   2024 Business
HRTA at a glance   Latest Update   Highlight        Strategy
Page 9
PRODUCT INNOVATION                                                        Where Dedication Meets Innovation


                     EMASKU®                                                     Kencana
                     Capsule & Bar                                               Jewellery
                                                                                 24k Jewellery




                            125 Gram   150 Gram




ARDORE®                                               New EmasKITA with
8k - 16k Jewellery
                         175 Gram          200 Gram
                                                      BullionProtect®
Page 10
GROWING MARKET SHARE
100.0                              Total Indonesia Gold Demand (Tonnes)               % YoY Growth                     50.0%             HRTA Jewellery Sales (Pure Gold Tonnes)             HRTA's Jewellery Market Share
 90.0                                                                                                                  40.0%     6.00                                                                                        20.00%
                                           42.9%                                                                                                                           18.33%
 80.0                                                                                                                                                                                                                        18.00%
                                                                                                                       30.0%     5.00
 70.0               20.3%                                                                            24.3%                                                                                           15.54%                  16.00%
                                                                                                                       20.0%                                                         14.47%                                  14.00%
 60.0                                                                                                                            4.00                          13.09%
                                                                               8.9%                                    10.0%                                                                                                 12.00%
 50.0                                                                                                        6.3%                       11.48%    11.49%
                                                                  0.8% -1.2%                                           0.0%      3.00                                                                          10.36%        10.00%
 40.0                       1.4%                                                                                                                                   5.29
                                                          -6.9%                                                     -8.9%                           4.81                                                                     8.00%
                                                                                                                        -10.0%           4.43                                                         4.39
 30.0                                                                                  -14.8%                                    2.00                                        3.82     3.90                                   6.00%
 20.0                                                                                                                  -20.0%
                                                                                                                                                                                                                2.57         4.00%
                                                -28.1%                                                                 -30.0%    1.00
 10.0                                                                                         -31.0%                                                                                                                         2.00%
            50.6    60.8    61.7    88.1     63.4 59.0      59.5    58.8   64.0     54.5   37.6 46.8    49.7 45.3
  0.0                                                                                                                  -40.0%      -                                                                                         0.00%
            2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023                                                       2017        2018        2019        2020     2021            2022       2023

   9.00                            HRTA Sales (Pure Gold Tonnes)                  HRTA's Market Share                 20.00%               HRTA Gold Bar Sales (Pure Gold Tonnes)             HRTA's Gold Bar Market Share
                                                                                                        18.52%        18.00%     7.00                                                                                         30.00%
   8.00
                                                                                                                                                                                                              28.51%
   7.00                                                                                    15.58%                     16.00%     6.00                                                                                         25.00%
                                                              13.62%                                                  14.00%
   6.00                                                                     13.06%                                               5.00
                                                                                                                      12.00%                                                                                                  20.00%
   5.00
                                                                                                                      10.00%     4.00
                                               9.75%                                                     8.39                                                                            15.64%
   4.00                                                                                      7.75                                                                                                                             15.00%
                   7.53%       7.52%                                                                                  8.00%      3.00                                                                          5.82
   3.00                                                                        6.11                                                                                         11.15%
                                                   5.32           5.12                                                6.00%                                                                                                   10.00%
                   4.43            4.81                                                                                          2.00
   2.00                                                                                                               4.00%                                7.75%                              3.36
                                                                                                                                 1.00                                        2.21                                             5.00%
   1.00                                                                                                               2.00%                                 1.30
                                                                                                                                           0.03
        -                                                                                                             0.00%        -      0.23%                                                                               0.00%
                   2017            2018            2019           2020         2021         2022         2023                             2019             2020              2021             2022             2023

  Despite flattening gold demand, HRTA keeps increasing market share, especially in the Gold Bar segment, as we see there is a
  shifting demand from jewellery to gold bar since the pandemic.
                                                                                                                                                                                                      Source: World Gold Council
Page 11
COMPETITIVE PRICING
EmasKITA has a very competitive 'spread' between buying and selling prices.
*Price per gram
                                Sell                  Buyback                   Spread Jual Beli

 1,250,000                                                                                                                       9.60%


 1,200,000
                                                                                                   9.40%                         9.40%


 1,150,000
                                                                                                                                 9.20%

 1,100,000
                                                                                                                                 9.00%
                                                                        8.98%
 1,050,000
                                                                                                                                 8.80%

 1,000,000                                   8.72%
                                                                                                                                 8.60%
  950,000
                  8.44%                                                                                                          8.40%
  900,000

                                                                                                                                 8.20%
  850,000


  800,000                                                                                                                        8.00%



  750,000                                                                                                                        7.80%
                  EmasKITA                   Emas U                     Antam                      Emas LA


                                                                                                   Source: Various Sources, as of 25 Mar 2024
Page 12
JEWELLERY STORE EXPANSION

                                                                                        Sulawesi (2 stores)




                                                   DIY & Central Java (3 stores)
  Sumatera (9 stores)
                                                                                   Nusa Tenggara (4 stores)

         Greater Jakarta &
       West Java (44 stores)
                                                          East Java (23 stores)




                        2017   12 stores   2019   44 stores     2021   68 stores
                                                                                       2023   85 stores
                        2018   26 stores   2020   65 stores     2022   78 stores
Page 13
PAWN STORE EXPANSION




        2018   3 stores    2020   64 stores   2022
                                                     82 stores


        2019   16 stores   2021   67 stores   2023   91 stores
Page 14
STRATEGIC PARTNERSHIP
LOAN SYNDICATION 2,4 TRILION                                GOLD INSTALLMENT COLLABORATION
BNI is working with other banks to provide                              Providing HRTA gold installments
syndicate loans worth IDR 2.4 trillion              to customers where gold purchases are made by the
for working capital.                                   institutions every month with a minimum volume.




MICRO GOLD DISTRIBUTION                                         GOLD MINE MATERIAL PROVISION
Collaborating with 1,300+ Alfamart outlets in       Collaboration with several renown legal miners
West Java and Greater Jakarta out of a total of
                                                            in Indonesia for raw material provision
17,816 Alfamart outlets in 2022, where Alfamart
                                                                     in regards of export products.
purchases gold for stock every month.




 RETAIL PARTNERSHIP                                                                           EXPORT
 • Expansion by opening Pop Up Stores                  Export cooperation for 22K gold jewellery to 4
 at Ranch Market and Matahari Dept Store outlets.    Export Partners with estimated volume of up to
 • Provide digital gold vouchers with a value of        1 ton per month with contacts from 3 until 12
 IDR 100,000 to IDR 5 million, which can be
                                                                                            months
 exchanged at the Hartadinata Abadi store.
Page 15
ECOSYSTEM OMNI-CHANNELS
                  DISTRIBUTION OF GOLD JEWELLERY & PAWN BUSINESS                                                                   DIGITAL PLATFORM & E-COMMERCE


               • 80 wholesaler                                                  • 91 branches
WHOLESALER’S
               • 900+ retail shops                                PAWN UNITS    • Coverage area : West Java, East Java, NTT,                           E-commerce
  & RETAIL                                                                                                                                             Physical Gold
               • Coverage area : All of                                           NTB, South Sulawesi, DKI Jakarta                                     (Webiste & Application)
                 Indonesia

                                                                                                                                                       Internal Application
                                                                                                                                  AFFILIATION          for Wholesalers
                              • HRTA’s Store: 85                                             • 2 stores for upper-middle
                              • 28 stores for middle-lower segment,                            segment
  HRTA’S                        jewellery-focused                                            • 2 stores for upper-middle
  STORE                       • Coverage area : West Java, Greater                             segment                                                 Online Pawn Shop
                                Jakarta, Central Java, East Java,                                                                                      (Beta Version)
                                Yogyakarta, Lampung, Batam, South                            • 18 flagship stores, all
                                Sulawesi                                                       product



                Cooperation for the provision
                of gold raw materials and
 BUSINESS       product co-branding                                               RETAIL
 ALLIANCE                                                                      PARTNERSHIP

                                                                                                                                  THIRD PARTY

                 Cooperation with financial
                 institutions                                                    • 22 booths on Matahari Department Store
                                                                               for the opening of ACC Matahari Department Store
                                                                                 • 1.300 booths++ on Alfamart
                                                                               for the sales of EmasKita 0,1gr
                 Export                                Logistic                  • 5 pop-up stores partnership on Ranch Market
                                                                               for the sales of EmasKita and Kencana
                          LP Commodities, and others
Page 16
FY23
Financial
Highlight
                                   FY23 Financial   2024 Business
HRTA at a glance   Latest Update   Highlight        Strategy
Page 17
SOLID PERFORMANCE
                                      Revenue in IDR bn (LHS)      Net Income in IDR bn (RHS)
10,000.00                                                                                                        +85.84%       390.00
 9,000.00
                                                                                                                               340.00
 8,000.00
                                                                                                                     +20.62%
 7,000.00                                                                                                                      290.00
                                                                                                +32.08%

 6,000.00                                                                                          +30.70%
                                                                                                                               240.00
 5,000.00                                                                     +26.56%

                                                                                 +13.32%
 4,000.00                                                 +27.91%                                                              190.00
                                                              +14.03%
                                     +17.84%
 3,000.00              +10.59%          +21.65%
                                                                                                                               140.00
                           +11.87%
 2,000.00
                                                                                                                               90.00
 1,000.00

       -                                                                                                                       40.00
             2017          2018          2019                   2020                2021                  2022         2023

HRTA managed to record solid growth during the pandemic period where up to FY23, the Company's financial
performance recorded an all time high. Annual revenue grew by 26.48% (CAGR 2017 - 2023) and net profit
increased by 15.68% (CAGR 2017 - 2023).
Page 18
                                                                                           20%
                                                                                                         33.26%




INCOME STATEMENT
                                                                                           10%

                                                                                            0%
                                                                                                         2023                             2022
                                                                                                            Difference in fair valuation of trade receivables (<1%)
                                                                                      Revenue               Refining Services
                                                                                                            Loan interest and administration revenues from pawn business
                                                                                      Breakdown             Sales with Partners
                                                                                                            Gold sold to Stores
Profit or Loss Highlight (IDR bn)     2023          2022         % YoY                                      Gold sold to Wholesaler
                                                                                                            Export
Sales                                12,857.03      6,918.45       85.84%              0.01%                                                         0.19%
                                                                                                 0.14%
                                                                                                 0.51%                                     1.07%
COGS                                (11,910.29)    (6,175.63)      92.86%    100%
                                                                                                                                           7.82%
Gross Profit                            946.74        742.82       27.45%     90%              14.99%

GPM                                      7.36%        10.74%       -3.37%     80%

Selling Expense                         (23.31)       (23.12)       0.80%     70%
                                                                              60%              51.10%
G&A Expense                            (215.77)      (171.60)      25.74%
                                                                              50%
Other operating income (expense)          (9.00)         1.12    -905.02%                                                                 90.93%
                                                                              40%
Operating Income                        698.66        549.22       27.21%
                                                                              30%
OPM                                      5.43%         7.94%       -2.50%
                                                                              20%
EBITDA                                  729.35        569.58       28.05%                      33.26%
                                                                              10%
EBITDA margin                            5.67%         8.23%       -2.56%
                                                                               0%
Finance Income                             2.32          2.22       4.60%                       2023                       2022
Finance expense                        (304.82)      (217.14)      40.38%   Revenue growth was supported by:
                                                                            • The growth was propelled by the pure gold sales volume,
Other Income (Expense)                        -         (8.11)   -100.00%      surging by 66.88% YoY to 12.93 tonnes in FY23, up from 7.75
                                                                               tonnes in FY22.
Net Income att. to parent entity        305.80        253.52       20.62%   • Additionally, the average selling price (ASP) experienced a
NPM                                      2.38%         3.66%       -1.29%      12.12% YoY growth, reaching IDR 987,706 in FY23 compared to
                                                                               IDR 880,922 in FY22;
EPS                                        66.40         55.05     20.62%   • Export activities that began in March 2023 contributes to the
                                                                               surge of the volume.
                                                                            • Note that export margin is lower than that of the local sales.
                                                                               Therefore, there will be a trade off between Sales growth and
                                                                               Margins.
Page 19
PROFITABILITY &
MANAGEABLE DEBT
Positive trend in profitability and debt management


          ROA (%)                              ROE (%)            Int. Bearing Debt/Equity (x)

             6.59%
                       6.08%                                                             1.41
                                                14.72%   15.50%
  5.58%                                                           1.25
                                                                             1.19
                                      12.80%




   2021      2022       2023           2021      2022    2023     2021       2022        2023
Page 20
PRODUCTION & UTILIZATION
                                                Production Volume (Kg)    Utilization Rate
18,000   *2017-2022 Manufacturing Capacity: 30 tons                                                            45.00%
         2023 Manufacture + Refinery Casting Capacity: 39 tons
                                                                                             43.67%
16,000                                                                                                         43.00%
                                                                                                      42.24%
14,000                                                                                                         41.00%

12,000                                                                                                         39.00%

10,000                                                                                                         37.00%
                                                 36.06%
 8,000                                                                                                         35.00%
                                                                               34.51%
 6,000                                                                                                         33.00%
                                                                 32.08%
                              31.60%
 4,000                                                                                                         31.00%
            29.89%
 2,000                                                                                                         29.00%
             8,968              9,480             10,817         9,625         10,354        13,101   16,475
     -                                                                                                         27.00%
             2017               2018              2019           2020           2021         2022     2023
Production volume in FY23 increased by 25.75% YoY to 16,47 ton of jewellery and gold bar, driving the utilization
rate to reach 42.24% in FY23 with additional 9 ton capacity from the newly operating refinery casting facility.
Page 21
DIVIDEND POLICY
                                        DPS       Dividend Payout Ratio
30.00%                                                                                      14

                          26.13%                                                            12
25.00%     25.05%                         24.56%
                                                                          23.74%
                                                               21.59%              21.80%   10
20.00%
                                                                                            8
15.00%
                                                                                            6
10.00%
                                                                                            4

 5.00%                                                                                      2

             6               7                8                   8        10       12
 0.00%                                                                                      0
            2017           2018           2019                   2020     2021     2022

 Consistent dividend distribution every year with a dividend yield of 3% to 5%.
Page 22
Business
Strategy
                                   9M23 Financial   2024 Business
HRTA at a glance   Latest Update   Highlight        Strategy
Page 23
BUSINESS STRATEGY
             Short Term Plan                                                                                                                       Long Term Plan



                2024                                                        2025                                             2026                                        2027                        2028

                      PROPOSE GOOD DELIVERY LIST LBMA                                                                                                                DELEVERAGING
                                                                                                                                                                    Mengurangi porsi utang

              STRENGTHENING & INITIATING COLLABORATION
                   Kolaborasi dengan strategic partner domestic dan internasional



               LOWERING CoF
                                                                             DIVERSIFYING EXPORT PARTNERS
 Refinancing obligasi sebelumnya dengan tingkat bunga
                     lebih rendah
                                                                                    Memperluas Partner Ekspor                                                        IMPROVING CASH FLOW
                                                                                                                                                                             Meningkatkan arus kas
      ENGAGING LOCAL MINERS                                                  EXPLORING EQUITY FINANCING
           Untuk mengamankan bahan baku                                         Mengembangkan Pembiayaan Ekuitas



                                                                                                           BALANCING PRODUCT MIX
                                                                                                                Perhiasan & Emas Batangan


                                                                                       GROWING DOMESTIC RETAIL & MARKET CONTRIBUTION
                                                                                                  Meningkatkan kontribusi ritel dan pasar dalam negeri


                                                                                                     INNOVATING MARKETING CHANNEL
                                                                                                            Menginovasikan saluran pemasaran
Page 24
Disclaimer
By attending this presentation, you are agreeing to be bound by the restrictions set out below. Any failure to comply with these restrictions may constitute a violation of applicable securities laws. The
information and opinions contained in this presentation are intended solely for your personal reference and are strictly confidential. The information and opinions contained in this presentation have not
been independently verified, and no representation or warranty, expressed or implied, is made as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of, the
information or opinions contained herein. It is not the intention to provide, and you may not rely on this presentation as providing, a complete or comprehensive analysis of the condition (financial or other),
earnings, business affairs, business prospects, properties or results of operations of the company or its subsidiaries. The information and opinions contained in this presentation are provided as at the date of
this presentation and are subject to change without notice. The company (including any of its affiliates, advisors and representatives) shall have any responsibility or liability whatsoever (in negligence or
otherwise) for the accuracy or completeness of, or any errors or omissions in, any information or opinions contained herein nor for any loss howsoever arising from any use of this presentation.
In addition, the information contained in this presentation contains projections and forward-looking statements that reflect the company's current views with respect to future events and financial
performance. These views are based on a number of estimates and current assumptions which are subject to business, economic and competitive uncertainties and contingencies as well as various risks and
these may change over time and in many cases are outside the control of the company and its directors. No assurance can be given that future events will occur, that projections will be achieved, or that the
company's assumptions are correct. Actual results may differ materially from those forecast and projected.
This presentation is not and does not constitute or form part of any offer, invitation or recommendation to purchase or subscribe for any securities and no part of it shall form the basis of or be relied upon in
connection with any contract, commitment or investment decision in relation thereto. This presentation may not be used or relied upon by any other party, or for any other purpose, and may not be
reproduced, disseminated or quoted without the prior written consent of the company.




        www.hartadinataabadi.co.id


        investor.relations@hartadinataabadi.co.id


        @hartadinataabadi

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linked org Aneka Tambang Tbk p.3 ×2
linked org PT Emas Antam Indonesia p.3
linked person Fendy Wijaya p.5
linked person Cuncun Muliawan · Director p.5
linked person Sandra Sunanto p.5
linked org Hartadinata Abadi p.14
unresolved org PT. Aurum Digital Internusa Refinery p.4

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