Skip to content
Back to announcement

AnnualReport2023-SRTG-att3.pdf

Other Text extracted SRTG

Source file signed link, expires in 15 minutes

This browser can't display the PDF inline. Open it in a new tab.

Extracted text 157

Page 1
Ahead of the Curve
          at the Forefront of Indonesia’s
               Economic Transformation




    2023 Annual Report
PT Saratoga Investama Sedaya Tbk
Page 2

          
Page 3
Disclaimer


PT Saratoga Investama Sedaya Tbk is committed to presenting annual reports as part of our
responsibility to provide up-to-date information for all stakeholders. This year, we reiterate the
commitment by publishing the 2023 Annual Report containing “forward-looking” statements
that relate to future events, which are, by their own nature, subject to significant risks and
uncertainties. All statements other than statements of historical fact contained in this report,
including, without limitation, those regarding PT Saratoga Investama Sedaya, Tbk. (“Saratoga” or
“Company”) future financial position and results of operations, strategy, plans, objectives, goals
and targets, future developments in the markets where Saratoga participates or is seeking to
participate, and any statements preceded by, followed by or that include the words “believe,”
“expect,” “aim,” “intend,” “will,” “plan,” “look forward to,” “may,” “project,” “estimate,” “anticipate,”
“predict,” “seek,” “should” or words of similar meaning, are forward-looking statements.


The future events referred to in these forward-looking statements involve known and unknown
risks, uncertainties and a variety of other factors, many of which are beyond the control of Saratoga,
which may cause the actual results, performance or achievements to be materially different from
those expressed or implied by the forward-looking statements. Among the factors are in particular
but are not limited to changes in general, national or regional economic and political conditions,
changes in foreign exchange rates, changes in the prices as well as supplies and demand on the
commodity markets, changes in the size and nature of the Company’s competition, changes in
legislation or regulations and accounting principles, policies and guidelines and changes in the
assumptions used in making such forward looking statements.


Further information about risks and uncertainties affecting Saratoga is included throughout our
interim financial statements and disclosures which are available on the Company’s website www.
saratoga-investama.com. Should one or more of these risks or uncertainties materialize, or should
underlying assumptions prove incorrect; actual results, performance or achievements of Saratoga
may vary materially from those described in the relevant forward-looking statement as being
expected, anticipated, intended, planned, believed, sought, estimated or projected.


Saratoga neither intends, nor assumes any obligation, to update or revise these forward-looking
statements in light of developments which differ from those anticipated. Due to rounding, numbers
presented throughout this annual report and other documents may not add up precisely to the
totals provided and percentages may not precisely reflect the absolute figures.


When relying on forward-looking statements, we advise you to carefully consider the possibility
of such risks, uncertainties and events, especially in light of the political, economic, social and
legal environment in which Saratoga, its subsidiaries and affiliates operate. Saratoga makes
no representation, warranty or prediction that the results anticipated by such forward-looking
statements will be achieved, and such forward looking statements represent, in each case only
one of many possible scenarios and should not be viewed as the most likely or standard scenario.
Accordingly, you should not place undue reliance on any forward-looking statements.


The 2023 Annual Report of PT Saratoga Investama Sedaya Tbk is available for download on:
https://saratoga-investama.com.




                                                                                                        1
Page 4
                                                                             Table of Contents
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Disclaimer                             1   Consolidated Statements of              45   Diversity of the Composition of the   67
                                                                             Table of Contents                      2   Financial Position                           Board of Commissioners and the
                                                                                                                                                                     Board of Directors
                                                                                                                        Consolidated Statements of Cash         46
                                                                             Performance Snapshot:                      Flow                                         Disclosure of Affiliation             68
                                                                             Demonstrating Value
                                                                                                                        Collectability of the Receivables       47   Induction Program for Newly           68
                                                                             Our Strategic Investment Portfolios    4                                                Appointed Director and/or
                                                                                                                        Ability to Service Debt                 47
                                                                                                                                                                     Commissioner
                                                                             2023 Corporate Actions                 4   Capital Structure and Management        47
                                                                                                                                                                     Committees Accountable                69
                                                                             Key Highlights                        5    Policies Concerning Capital
                                                                                                                                                                     to the Board of Commissioners
                                                                                                                        Structure
                                                                             Investment Milestones                 6                                                 Committees Accountable to the         73
                                                                                                                        Realization of Capital Goods            47
                                                                             Saratoga in Brief                      8                                                Board of Directors
                                                                                                                        Investment
                                                                             Financial Highlights                  10                                                Corporate Secretary                   75
                                                                                                                        Subsequent Events                       47
                                                                             Significant Events                    12                                                Internal Audit Unit                   76
                                                                                                                        Business Prospects                      47
                                                                             Awards                                12                                                Corporate Communication               78
                                                                                                                        Comparison Between Target/              48
                                                                                                                        Projection at the Beginning of               Investor Relations                    78
                                                                             Management                                 the Year and Actual Results of
                                                                                                                                                                     Other Corporate Governance            79
                                                                             Report                                     Operations
                                                                                                                                                                     Information
                                                                             Report of the Board of                14   Target for 2024                         48
                                                                                                                                                                     Administrative Sanction               79
                                                                             Commissioners                              Material Commitments for Capital        48
                                                                                                                                                                     Legal Case                            79
                                                                             Report of the Board of Directors      17   Goods Investment
                                                                                                                                                                     Code of Conducts                      79
                                                                                                                        Marketing Aspects of the                48
                                                                             Portfolio                                  Company’s Products and Services              Internal Control Systems              80
                                                                             Performance                                                                             External Auditor                      81
                                                                                                                        Dividend and Dividend Policy            48
                                                                             Publicly Listed Companies             22   Realization of the Use of Proceeds      49   Whistleblowing System                 82
                                                                             Private Companies                     24   Material Information on Investment,     49   Risk Management                       84
                                                                             Company                                    Expansion, Divestment, Business              Implementation of the Corporate       86
                                                                                                                        Merger/Consolidation, Acquisition,           Governance Guidance
                                                                             Profile                                    Capital/Debt Restructuring,
                                                                             Corporate Data                        26
                                                                                                                        Transactions with Affiliated Parties,        Corporate Social
                                                                                                                        and Transactions Containing
                                                                                                                        Conflict of Interests
                                                                                                                                                                     Responsibility
                                                                             Organization Structure                27
                                                                             Our Management Team                   28   Changes in Regulations with             49   Corporate Social Responsibility       90
                                                                                                                        Significant Impact on the Company
                                                                             Board of Commissioners                28                                                Community Empowerment                 90
                                                                                                                        Changes in Financial Accounting         49
                                                                             The Board of Directors                31   Standards with Impacts for the               Social and Cultural Development       91
                                                                             Corporate Structure as of             32   Company
                                                                                                                                                                     Environmental Protection              91
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             December 31, 2023
                                                                                                                        Corporate                                    CSR Allocations for 2023              92
                                                                             Shareholders Information              34
                                                                                                                        Governance                                   Employee Health, Safety and           92
                                                                             Share Listing Chronology              35
                                                                                                                                                                     Welfare
                                                                             Stock Highlights                      36   Corporate Governance                    52
                                                                             Our Subsidiaries                      37   Assessment of Corporate                 52
                                                                             Capital Market Supporting             37   Governance Implementation                    Statements of                         94
                                                                             Institutions and Professionals             Roles of Organs of the Governance       53   Responsibility
                                                                             Human Capital                         38   Structure and Accountability                 by the Members
                                                                             Management Discussion                      Shareholders’ Rights                    54   of the Board of
                                                                             and Analysis                               General Meeting of Shareholders         54   Commissioners and
                                                                                                                        (GMS)
                                                                                                                                                                     the Board of Directors
                                                                             Management Discussion and             42   The Board of Commissioners              61
                                                                             Analysis                                                                                Financial
                                                                                                                        The Board of Directors                  64
                                                                             Review of Operations                  42
                                                                                                                        Succession Planning                     66   Statements
                                                                             Net (Loss) Gain on Investment in      43
                                                                                                                        Remuneration Policy and                 67
                                                                             Shares and Other Securities
                                                                                                                        Assessment on Members of the
                                                                             Dividend and Interest Income          43   Board of Commissioners and the
                                                                             Net Asset Valuation as of 31          44   Board of Directors
                                                                             December 2023 and 2022




               2
Page 5
   Performance Snaphot:          Management     Portfolio   Company    Management Discussion    Corporate   Corporate Social
   Demonstrating Value             Report     Performance    Profile       and Analysis        Governance    Responsibility




                                                                                                                               3
         Performance Snapshot:
         Demonstrating Value
Chapter 01
Page 6
                                                                             Our Strategic
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Investment Portfolios

                                                                             We continue seeking strategic investment opportunities, in both natural-resources based sectors and new growth sectors, including
                                                                             early-stage companies, which we believe to be able to generate a long-term, profitable prospects for the Company in particular and
                                                                             positive impacts to all stakeholders on the sustainable basis.
                                                                               Our Current Portfolios




                                                                                                                      MERDEKA COPPER GOLD
                                                                                                        BLUE-CHIP




                                                                                                                      Precious Metals
                                                                                                                      TOWER BERSAMA INFRASTRUCTURE
                                                                                                                      Technology and Digital Infrastructure
                                                                                                                      ADARO ENERGY INDONESIA
                                                                                                                      Energy and Resources
                                                                                                                      MITRA PINASTHIKA MUSTIKA                       XURYA
                                                                                                        GROWTH




                                                                                                                      Automotive                                     Solar Energy
                                                                                                                      SAMATOR INDO GAS                               CITY VISION
                                                                                                                      Consumer and Industrial Gas                    Digital Media Advertising
                                                                                                                      MULIA BOSCO LOGISTIK                           PROVIDENT INVESTASI BERSAMA
                                                                                                                      Cold-Chain Logistics                           Investments
                                                                                                                      FOREST CARBON                                  NUSA RAYA CIPTA
                                                                                                                      Carbon Offset Credit                           Constructions
                                                                                                                      DELTOMED                                       ZAP
                                                                                                                      Herbal Supplement                              Beauty and Health Clinic
                                                                                                                      JULO                                           PROVIDENT GROWTH FUND
                                                                                                            DIGITAL
                                                                                                        TECHNOLOGY




                                                                                                                      Financial Technology                           Technology Fund
                                                                                                                      SIRCLO                                         SC TECHNOLOGY INVESTMENT LP
                                                                                                                      e-Commerce Solution                            Technology Fund
                                                                                                                      FUSE
                                                                                                                      Insurance Technology
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             2023 Corporate Actions

                                                                             Initial Public Offering (IPO) of PT Merdeka Battery Materials Tbk                In first half of 2023, Saratoga distributed a final cash dividend for
                                                                             (ticker code: MBMA), a subsidiary of PT Merdeka Copper Gold                      2022 financial year amounting IDR1 trillion or IDR75 per share
                                                                             Tbk, on April 18, 2023 at Indonesia Stock Exchange (IDX). The IPO                with dividend yield of 4.4%. The cash dividend increased 28%
                                                                             was followed by an acquisition of 60% ownership of a Morowali-                   compared to the amount of cash dividend paid in the previous
                                                                             based high-grade nickel matte conversion facility, PT Huaneng                    year amounting IDR810 billion or IDR60 per share.
                                                                             Metal Industry (HNMI), in June 2023, thus strengthening MBMA's
                                                                             cash flow and generating additional profit margin from sale of
                                                                             nickel matte product.




               4
Page 7
Key Highlights




                                                                                           Performance Snaphot:
                                                                                           Demonstrating Value
2023

Active Investing                       Disciplined Execution
on a Net Basis




                                                                                           Management
(billion Rupiah)




                                                                                             Report
                                                               2021    2022    2023


                                       Opportunities            136     201      124
                   18,290




                                       Preliminary
                                                                  61     50      23




                                                                                           Performance
                                       Assessments




                                                                                             Portfolio
                                       Desktop
                                                                 28      32       10
                                       Diligence



                                       Term Sheet                 10      7       4




                                                                                           Company
                              2,152




                                                                                            Profile
    1,317




                                       New
                                                                  7       4       3
                                       Investment


 2021         2022          2023



Value Generation                       Dividends Income




                                                                                           Management Discussion
(Net Asset Value)




                                                                                               and Analysis
(billion Rupiah)                                               2021    2022    2023

                                       ADRO                    1,098   1,906   2,138


                                       MPMX                     291     455     342
                   60,931




                                       PALM                       0      137      0
    56,316




                              48,854




                                       TBIG                     248      76     289
                                                                                           Governance
                                                                                            Corporate



                                       Deltomed                   5       8       6


                                       NRCA                       3       3        7


                                       AGII                        1      3       2
                                                                                           Corporate Social
                                                                                            Responsibility




                                       PRAY                       0       3       0

 2021         2022          2023
                                       Others                     2       0       0


                                       Total                   1,648   2,591   2,784




                                                                                       5
Page 8
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                              Investment
                                                                              Milestones

                                                                                                             2002-2006           2007-2009               2010                  2011             2012               2013        2014              2015
                                                                              NAV PER SHARE (IDR)*




                                                                                                                                                         1,431                                 1,492                            1,635
                                                                                                                                                                                                                  1,311
                                                                                                                                                                              1,222
                                                                                                                                                                                                                                                   1,001
                                                                                                                                       712
                                                                                                                   108



                                                                                                             PT Adaro          PT Adaro          PT Agro Maju      PT Medco Power Interra Resources Finders             PT Trimitra Karya    PT Paiton
                                                                                                             Indonesia         Energy Tbk.**     Raya              Indonesia        Limited           Resources         Jaya                 Energy
                                                                                                             Natural Resources Natural Resources Natural Resources Infrastructure   Natural Resources Limited           (holding of PT       Infrastructure
                                                                                                             Coal & Energy     Coal & Energy     Palm Plantation   Power Generation Oil & Gas         Natural Resources Merdeka Copper       Power Generation
                                                                                                                                                                                                      Polymetallic      Gold Tbk.) Natural
                                                                                                                                                                                                                        Resources Gold
                                                                              SARATOGA INVESTMENT ACTIVITY




                                                                                                             PT Banyan Mas       PT Tower           PT Mitra              PT Tri Wahana    Seroja             PT Nusa Raya
                                                                                                             Infrastructure      Bersama            Pinasthika            Universal        Investment         Cipta Tbk.
                                                                                                             Telco Tower         Infrastructure     Mustika Tbk.          Infrastructure   Limited            Infrastructure
                                                                                                                                 Tbk. (previously   Consumer              Oil Refinery     Infrastructure     Construction
                                                                                                                                 PT Banyan Mas)     Automotive                             Freight Chartering
                                                                                                                                 Infrastructure
                                                                                                                                 Telco Tower

                                                                                                             PT Tenaga                              PT Etika Karya                         Sihayo Gold       PT Mitra
                                                                                                             Listrik Gorontalo                      Usaha                                  Limited           Pinasthika
                                                                                                             Infrastructure                         Consumer                               Natural Resources Mustika Tbk.
                                                                                                             Power Generation                       Property                               Gold              Consumer
                                                                                                                                                                                                             Automotive

                                                                                                             PT Lintas Marga                                                               Sumatra Copper
                                                                                                             Sedaya                                                                        and Gold Plc
                                                                                                             Infrastructure                                                                Natural Resources
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                                             Toll Road                                                                     Polymetallic

                                                                                                             PT Provident
                                                                                                             Agro Tbk.***
                                                                                                             Natural Resources
                                                                                                             Palm Oil
                                                                                                             Plantation

                                                                                                                                 PT Adaro           PT Tower Bersama                       PT Provident        PT Mitra                      PT Merdeka
                                                                                                                                 Energy Tbk.        Infrastructure Tbk.                    Agro Tbk.           Pinasthika                    Copper Gold Tbk.
                                                                              LISTING




                                                                                                                                                                                                               Mustika Tbk.
                                                                                                                                                                                                               PT Saratoga
                                                                                                                                                                                                               Investama
                                                                                                                                                                                                               Sedaya Tbk.

                                                                                                                                                                                                                                             Issued EB of
                                                                                                                                                                                                                                             USD100 million
                                                                              DIVESTMENT




                                                                             *    NAV per share for 2002-2020 is restated following the stock split in 2021.
                                                                             ** As of February 16, 2022, the name PT Adaro Energy Tbk. has changed to PT Adaro Energy Indonesia Tbk.
                                                                             *** As of August 23, 2022, the name PT Provident Agro Tbk. has changed to PT Provident Investasi Bersama Tbk.
                                                                             **** As of December 12, 2022, the name PT Aneka Gas Industri Tbk. has changed to PT Samator Indo Gas Tbk.




               6
Page 9
                                                                                                                                               Performance Snaphot:
                                                                                                                                               Demonstrating Value
     2016                2017               2018               2019         2020         2021           2022               2023




                                                                                                                                               Management
                                                                                                                                                 Report
                                                                                                         4,492
                                                                                         4,152
                                                                                                                            3,601




                                                                                                                                               Performance
                                                                            2,337




                                                                                                                                                 Portfolio
                         1,648                                  1,685
      1,440
                                             1,163




                                                                                                                                               Company
PT Mulia Bosco       PT Deltomed       PT Aneka Gas        JULO Teknologi           SIRCLO          AtriaDC            ZAP




                                                                                                                                                Profile
Logistik             Laboratories      Industri Tbk.****   Financial                e-Commerce      Data Center        Health and Beauty
Consumer             Consumer          Consumer            Financial                Solution                           Clinic
Cold-chain logistics Herbal Medicine   Industrial Gas      Technology
                                                           Service



PT Famon Awal                                                                       FUSE            Forest Carbon
Bros Sedaya                                                                         Insurance       Carbon Offset
Consumer                                                                            Technology      Credit
Healthcare                                                                          Platform




                                                                                                                                               Management Discussion
                                                                                                                                                   and Analysis
                                                                                    Xurya Daya
                                                                                    Indonesia
                                                                                    Solar Energy



                                                                                    City Vision
                                                                                    Digital Media
                                                                                    Advertising




                                                                                                                                               Governance
                                                                                                                                                Corporate


                                                                                                    PT Famon Awal
                                                                                                    Bros Sedaya Tbk.




Divested            Divested           Divested                                                                        Divested
PT Pulau Seroja     PT Lintas Marga    PT Batu Hitam                                                                   PT Famon Awal
Jaya                Sedaya             Perkasa                                                                         Bros Sedaya Tbk.
                                       (Paiton Energy)                                                                 AtriaDC
                                                                                                                                               Corporate Social
                                                                                                                                                Responsibility




Divested palm       Divested
plantation assets   PT Medco Power
of PT Provident     Indonesia
Agro Tbk. with a
market premium
price per hectare




                                                                                                                                           7
Page 10
                                                                             Saratoga in Brief
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Our Existence                                                       Our Activities

                                                                             For almost three decades since our establishment year in 1997,      Invest
                                                                             PT Saratoga Investama Sedaya Tbk (IDX Code: SRTG) has built a       With passion for excellence, we make active and early approaches
                                                                             strong reputation of being the leading active investment company    to investment opportunities where significant value can be added.
                                                                             in Indonesia. Our vast range of investment portfolios is indeed
                                                                             a unique track record which represents our bold commitment to       Grow
                                                                             constantly creating values for our stakeholders in particular and   We actively support our investment, leverage our expertise
                                                                             the country in general.                                             in investment management, sector knowledge and wide-
                                                                                                                                                 ranging access to debt and equity capital markets, locally and
                                                                             Among our investment portfolios are blue-chip companies with        internationally.
                                                                             established reputation in the sectors where they operate, as well
                                                                             as new growth sectors consisting of private companies and early-    Monetize
                                                                             stage start-ups with long-term prospects.                           We actively manage our investments and provide our investee
                                                                                                                                                 companies with a broad range of capital market and strategic
                                                                                                                                                 placement opportunities.




                                                                                                                      Our Vision, Mission, and Core Values




                                                                                                                                          VISION


                                                                                          A WORLD-CLASS ACTIVE INVESTMENT COMPANY
                                                                                       IN INDONESIA THAT EXCELS ON THE BACK OF STRONG
                                                                                            CORPORATE CHARACTERS TO CREATE VALUE
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                             FOR OUR STAKEHOLDERS AND THE NATION.




                                                                                                                                         MISSION


                                                                                            TO BE THE PARTNER OF CHOICE FOR INVESTORS
                                                                                              TO PARTICIPATE IN THE DYNAMIC GROWTH
                                                                                                          OF INDONESIA.




               8
Page 11
                                                                                                                                                Performance Snaphot:
                                                                                                                                                Demonstrating Value
                         Core Values                                                     Corporate Characters




                                                                                                                                                Management
           WORK HARD                                                                   INTEGRITY




                                                                                                                                                  Report
          WORK SMART                                                                PASSION & ENERGY
       WORK THOROUGHLY                                                               COMPETENCE &
      WORK WHOLEHEARTEDLY                                                              CAPABILITY




                                                                                                                                                Performance
                                                                                                                                                  Portfolio
                                                                                                                                                Company
                                                                                                                                                 Profile
            "AN ACTIVE INVESTMENT COMPANY IN INDONESIA"

The Three Pillars of Our Active Investment                              The Implementation of Our Dynamic
Methodology                                                             Investment Model




                                                                                                                                                Management Discussion
Our investment activities are guided by three pillars, namely           To ensure the sustainable future of our investments and to




                                                                                                                                                    and Analysis
Platforms, Partnerships and Value Creation.                             adapt to the dynamically growing market trends, we continue to
                                                                        refine our investment strategies. From being focused on natural
Platforms                                                               resources, we expand the investment portfolios by growing
Every investment is viewed as a strategic foundation for organic        opportunities in infrastructure and consumer sectors, and
expansion as well as a platform for prospective acquisitions            participating in other new growth sectors, including the rapidly
across the whole value chain.                                           expanding digital technology space and green economy, which
                                                                        have developed into main pillars of Indonesia’s economic growth.
Partnerships
We work closely with entrepreneurs whose contributions are              Our portfolio is spread across:
critical to ensure continuity and performance. Working with global      • Early stage companies with significant upside;
                                                                                                                                                Governance

professional investors, our role is defined as a vital local partner,   • Growth companies with proven business model and strong
                                                                                                                                                 Corporate


providing extensive knowledge of the market and regulatory                 financial performance; and
environment.                                                            • Listed blue chip companies with well-established market
                                                                           positions, offering long term growth and capital appreciation.
Value Creation
We provide capital support, operational input, and financial
advisory to our investee companies. We also provide them with
industry expertise, which includes knowledge and technology, to
enhance their business performance.
                                                                                                                                                Corporate Social
                                                                                                                                                 Responsibility




                                                                                                                                            9
Page 12
                                                                             Financial
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Highlights

                                                                             Consolidated Statements of Financial Position
                                                                             (billion Rupiah)
                                                                             Description                                                                                   2021                  2022       2023
                                                                             Assets
                                                                             Cash and Cash Equivalents                                                                         462                 863         665
                                                                             Investments in Shares and Other Securities                                                    59,695                61,518    49,008
                                                                             Other Assets                                                                                      995                1,390      1,272
                                                                             Total Assets                                                                                  61,152                63,771    50,945
                                                                             Liabilities
                                                                             Borrowings                                                                                     3,935                 1,544        926
                                                                             Other Liabilities                                                                               1,202                 2,411      1,231
                                                                             Total Liabilities                                                                               5,137               3,955       2,157
                                                                             Equity
                                                                             Net Equity Attributable to Owners of the Company                                              55,994                59,815    48,709
                                                                             Non-controlling Interest                                                                              21                  1        79
                                                                             Total Equity                                                                                  56,015                59,816    48,788
                                                                             Total Liabilities and Equity                                                                  61,152                63,771    50,945


                                                                             Consolidated Statements of Profit or Loss and Other Comprehensive Income
                                                                             (billion Rupiah)
                                                                             Description                                                                                   2021                  2022       2023
                                                                             Income (Loss)*                                                                                26,061                 6,301    (10,971)
                                                                             Expenses                                                                                        (365)                (442)       (338)
                                                                             Profit (Loss) Before Income Tax                                                               25,696                 5,859    (11,309)
                                                                             Profit (Loss) for the Year                                                                    24,892                 4,626     (10,151)
                                                                             Total Comprehensive Income (Loss) for the Year                                                24,895                4,586     (10,125)
                                                                             Profit (Loss) for the Year Attributable to:
                                                                                 Owners of the Company                                                                     24,890                 4,616    (10,150)
                                                                                 Non-controlling Interests                                                                         2                 10          (1)
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             Total Comprehensive Income (Loss) for the Year Attributable to:
                                                                                 Owners of the Company                                                                     24,893                 4,587    (10,125)
                                                                                 Non-controlling Interests                                                                         2                 (1)        (0)
                                                                             (Loss) Earning Per Share Basic (Whole Rupiah)                                                  1,846                  342       (750)
                                                                             * Include net gain (loss) on investments in shares and other securities.

                                                                             Total Assets                                                               Total Liabilities
                                                                             (billion Rupiah)                                                           (billion Rupiah)
                                                                                                                                                            5,137
                                                                                                 63,771




                                                                                                                                                                           3,955
                                                                                 61,152




                                                                                                              50,945




                                                                                                                                                                                         2,157




                                                                              2021          2022           2023                                          2021         2022              2023



10
Page 13
                                                                                                                            Performance Snaphot:
                                                                                                                            Demonstrating Value
Financial Ratios
(in percentage or multiple)
Description                                                                 2021                      2022       2023
Growth Ratios (%)
Income                                                                           185                     (76)     (274)




                                                                                                                            Management
                                                                                                                              Report
Expense                                                                          (17)                     21       (24)
Profit for the Year                                                              182                     (81)     (319)
Total Comprehensive Income for the Year                                          182                    (82)      (321)
Total Assets                                                                        74                     4      (20)
Total Liabilities                                                                   41                  (23)      (45)
Total Equity                                                                        78                      7      (18)




                                                                                                                            Performance
                                                                                                                              Portfolio
Operating Ratios (%)
Expense/Income                                                                       1                      7       (3)
Profit for the Year/ Income                                                         96                    73        93
Total Comprehensive Income for the Year/Income                                      96                    73        92
Total Profit for the Year/Average Total Assets                                      52                      7      (18)
Total Comprehensive Income for the Year/Average Total Assets                        54                    10       (19)
Total Profit for the Year/Average Net Equity                                        57                     8       (19)




                                                                                                                            Company
                                                                                                                             Profile
Total Comprehensive Income for the Year/Average Net Equity                          57                     8       (19)
Financial Ratios (x)
Current Assets/Current Liabilities                                             N/A                       N/A       N/A
Total Liabilities/Total Assets                                                0.08                      0.06      0.04
Total Liabilities/Total Equity                                                0.09                      0.07      0.04
Total Debt/Total Assets                                                       0.06                      0.02      0.02




                                                                                                                            Management Discussion
Total Debt/Net Equity                                                         0.07                      0.03      0.02




                                                                                                                                and Analysis
Consolidated Statements of Cash Flow
(billion Rupiah)
Description                                                                 2021                      2022       2023
Net Cash from (used in) Operating Activities                                 (363)                     3,707     1,408
Net Cash (used in) Investing Activities                                              -                     (1)       (1)
Net Cash from (used in) Financing Activities                                   383                    (3,386)    (1,611)
Cash and Cash Equivalent at End of Year                                        462                      863       665
                                                                                                                            Governance
                                                                                                                             Corporate




Total Equity                                                   (Loss) Profit Attributable to Owners of the
(billion Rupiah)                                               Company (billion Rupiah)
                    59,816




                                                                 24,890
    56,015




                                                                                                                            Corporate Social
                                                                                                                             Responsibility
                              48,788




                                                                            4,616



                                                                                           (10,150)




 2021          2022          2023                               2021      2022           2023



                                                                                                                           11
Page 14
                                                                             Significant
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Events




                                                                                                        Saratoga Investment Summit                    Saratoga Buka Puasa Bersama
                                                                                                        26 January 2023                               13 April 2023




                                                                             Saratoga RUPST & Public Expose                Saratoga Talk - Clean Air                    Saratoga Year End 2023
                                                                             15 May 2023                                   21 November 2023                             8 December 2023




                                                                                                        Saratoga celebrated Christmas at              Saratoga Employee Sales Training
                                                                                                        senior living                                 11 December 2023
                                                                                                        10 December 2023




                                                                             Awards
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             Bisnis Indonesia Award (BIA) 2023             Tempo-IDN Financial 52 Index Award 2023      A Silver Rank in Accordance to GRI
                                                                             The Category of Services and Investment       Main Index High Capitalization Market        Standards 2021 at the Asia Sustainability
                                                                             Holding Company                                                                            Reporting Rating 2023
                                                                                                                           Issuing Agency or Institution:
                                                                             Issuing Agency or Institution:                Tempo & IDN Financial                        Issuing Agency or Institution:
                                                                             Bisnis Indonesia                                                                           Indonesian Institute for Corporate Directorship
                                                                                                                                                                        (IICD)



12
Page 15
    Performance Snaphot:   Management     Portfolio   Company    Management Discussion    Corporate   Corporate Social
    Demonstrating Value      Report     Performance    Profile       and Analysis        Governance    Responsibility




                                                                                                                         13
         Management
         Report
Chapter 02
Page 16
                                                                             Report of the Board of
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Commissioners

                                                                             AMIDST THE GLOBAL
                                                                             ECONOMIC TURBULENCE
                                                                             WHICH BROUGHT ADVERSE
                                                                             IMPACTS ON OUR DOMESTIC
                                                                             ECONOMY, WE ARE PLEASED
                                                                             TO ANNOUNCE THAT OUR
                                                                             INVESTEE COMPANIES STILL
                                                                             MANAGED TO RECORD
                                                                             MILESTONE ACHIEVEMENTS,
                                                                             ALLOWING US TO GENERATE
                                                                             SIGNIFICANT DIVIDEND
                                                                             INCOME OF IDR2.8 TRILLION IN
                                                                             2023.

                                                                             EDWIN SOERYADJAYA
                                                                             President Commissioner
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




14
Page 17
                                                                                                                                               Performance Snaphot:
                                                                                                                                               Demonstrating Value
Economy Context                                                        monitored implementation to ensure the Company's well-being
                                                                       and compliance with regulations.




                                                                                                                                               Management
In 2023, Indonesia continued the strong momentum of economic




                                                                                                                                                 Report
recovery and demonstrated another year of resilient GDP                Additionally, the Board of Commissioners applauds the Board of
growth, despite the worldwide macroeconomic challenges and             Directors' commitment to prudent financial management. A strong
heightened geopolitical tension globally. The economic growth          cash flow management has always been Saratoga’s top priority,
of 2023 was mostly driven by the strong private consumption            particularly amid times of economic uncertainties that often leads
and services in wholesale and retail trade, transportation and         to the increase in the central bank’s benchmark interest rate and
tourism, and information and communication sectors. As the             pushes up funding costs. Therefore, reducing the debt position




                                                                                                                                               Performance
most populous country in Southeast Asia, Indonesia benefits            was an important focus for the Company that not only mitigates




                                                                                                                                                 Portfolio
from a youthful, dynamic, and diverse workforce committed to           higher interest expenses but also strengthens the Company's
advancing the nation.                                                  financial health.


In addition to the strong GDP growth, Indonesia effectively            Overview of the Business Prospect for 2024
managed headline inflation, interest rates, and currency volatility,
while also witnessing a steady decline in unemployment                 Despite global and local challenges, the board remains optimistic
rates. This achievement underscores the government's adept             about Indonesia's economic prospects in 2024. As Southeast
leadership in navigating challenges with prudence and diligence.       Asia's largest and most diversified economy, Indonesia




                                                                                                                                               Company
                                                                                                                                                Profile
                                                                       possesses inherent advantages. We have full confidence in the
Reflecting on Indonesia's history, the nation has built a track        Board of Directors continued prudent approach and their ability to
record of navigating challenges and maintaining economic               capitalize on investment opportunities with lasting positive impact
stability when faced with adversity, and we are grateful that we       to the overall economy.
are able to operate our business and investment on such a strong
foundation.                                                            We strongly endorse their proposed investment strategies
                                                                       targeting the healthcare, consumer products, digital infrastructure,
Overview of Saratoga’s Performance in 2023                             and renewable energy sectors. These sectors have significant




                                                                                                                                               Management Discussion
                                                                       potential for growth as market confidence improves, offering




                                                                                                                                                   and Analysis
We are pleased to announce the following highlights of Saratoga’s      long-term value for our investments.
performance in 2023:
• Generated dividend income of IDR2.8 trillion, driven by the          Overview of the Implementation of Good
    contribution from PT Adaro Energy Indonesia Tbk. (ADRO),           Corporate Governance
    PT Mitra Pinasthika Mustika Tbk. (MPMX) and PT Tower
    Bersama Infrastructure Tbk. (TBIG).                                Saratoga's unwavering commitment to the implementation
• Made a new investment in PT Zulu Alpha Papa (ZAP),                   of Good Corporate Governance (GCG) is fundamental to our
    Indonesia's leading beauty and health clinic chain with more       corporate ethos. We firmly believe that enhancing the quality of
    than 90 branches throughout the country.                           GCG implementation will not only fortify the ethical foundation
• Increased its stake in PT Mulia Bosco Logistik (MBL) to 62.9%        of our operations but also yield a more substantial and positive
                                                                                                                                               Governance

    from 32.0%, establishing majority ownership of the company.        commercial impact on the company.
                                                                                                                                                Corporate


• Reduced the total outstanding debt amount to IDR930
    billion from IDR1,551 billion (2022), a 40% decrease. This         This year signifies the initiation of our ESG roadmap, a
    also resulted in interest expenses decline of 49% from the         comprehensive guide aimed at establishing proper environmental,
    previous year.                                                     social, and governance practices across all facets of our business,
                                                                       ensuring the sustainable operation of the Company.
Assessment of the Board of Directors’
Performance                                                            To address the diverse sectors within Saratoga's investment
                                                                       portfolio, we are actively monitoring and enhancing the roadmap.
                                                                                                                                               Corporate Social
                                                                                                                                                Responsibility




Reflecting on 2023, the Board of Commissioners commends                We adopt multiple global standards including Sustainable
the Board of Directors for its overall performance. Together with      Development Goals (SDG), International Finance Corporation’s
my fellow commissioners, we actively supported their strategic         (IFC) Performance Standards on Environmental and Social
initiatives, which effectively navigated challenges and translated     Sustainability, Sustainability Accounting Standards Board (SASB)
them into opportunities for our Group. The Board of Directors          and ISO 26000 to align our ESG roadmap to international best
remained focused on its investment strategies, which aligned           practices, ensuring meaningful progress and impact from our ESG
well with the current economic dynamics, and we diligently             commitments.




                                                                                                                                              15
Page 18
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                             Our People and the Country                                           On a personal note, education and welfare have always been
                                                                                                                                                  close to my heart. I firmly believe that investing in our people is
                                                                             With an excellent Board of Directors in place and well-              the most valuable investment we can make. That's why, beyond
                                                                             established good corporate governance implemented, my                leading Saratoga, I dedicate significant time to supporting these
                                                                             fellow commissioners and I now have the privilege to focus on        causes. Giving back to the nation that has given us so much is not
                                                                             strategic reflection and future growth. Our aim is to conduct        just a responsibility, but a personal privilege.
                                                                             a comprehensive evaluation of our impact on employees,
                                                                             stakeholders, and, most importantly, Indonesia's well-being.         As we step into the future, I invite you to join us on this journey of
                                                                             This assessment will guide how we can further contribute and         shared growth and impact. Together, let's build a brighter future
                                                                             maximize our positive influence in the coming years.                 for Indonesia, one where economic prosperity goes hand-in-hand
                                                                                                                                                  with social well-being.
                                                                             Ten years ago, when we embarked on Saratoga's IPO journey, it
                                                                             was driven by a simple belief: that we would not only create value   Appreciation
                                                                             for our shareholders but also make a positive impact on the lives
                                                                             of Indonesians. As I look back, a deep sense of gratitude fills me   We express our gratitude to the Board of Directors and the
                                                                             as I see how far we have come.                                       dedicated employees of the Company for their unwavering
                                                                                                                                                  commitment to their assigned responsibilities. Their adaptability
                                                                             Over the past decade, we have deployed over IDR10 trillion           and responsiveness to current business and economic dynamics
                                                                             into Indonesia's economy, creating over 50,000 jobs in diverse       are commendable.
                                                                             industries. We have built toll-roads that connect people, power
                                                                             plants that light homes, and communication towers that bridge        We recognize that Saratoga may face external challenges that
                                                                             distances. More recently, we have expanded our focus to sectors      could impact our goals. However, our strategies are thoughtfully
                                                                             like healthcare, renewable energy, and digital technology, aiming    devised to navigate the dynamic landscape positively. We are
                                                                             to be at the forefront of Indonesia's progress.                      committed to seizing every investment opportunity, ensuring the
                                                                                                                                                  generation of optimal returns for our stakeholders, and fostering
                                                                             Balancing profitability with societal impact has always been our     the Company's sustainable growth outlook.
                                                                             guiding principle, and we recognize that our journey towards this
                                                                             ideal is a continuous one. We remain committed to our promise,
                                                                             driven by the belief that a thriving Indonesia rests on the well-
                                                                             being of its people.




                                                                                                                                        Sincerely Yours,




                                                                                                                                    EDWIN SOERYADJAYA
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                                                                    President Commissioner




16
Page 19
Report of the Board of




                                      Performance Snaphot:
                                      Demonstrating Value
Directors




                                      Management
                                        Report
DEAR STAKEHOLDERS,

IT IS A PLEASURE FOR SARATOGA’S
BOARD OF DIRECTORS TO PRESENT
THE 2023 ANNUAL REPORT WHICH
SUMMARIZES BOTH THE OPERATIONAL




                                      Performance
                                        Portfolio
AND FINANCIAL PERFORMANCES OF
THE COMPANY FOR THE YEAR.

WHEN WE ENTERED 2023, WE HAD A
FEW REASONS TO BE UPBEAT ABOUT
THE OUTLOOK OF THE GLOBAL




                                      Company
ECONOMY. THE PANDEMIC WAS




                                       Profile
FINALLY BEHIND US, CHINA RE-OPENED
ITS BORDER TO THE WORLD AND THE
EUROPEAN ECONOMY WAS COPING
REASONABLY WELL WITH THE HIGH
ENERGY PRICE AND INFLATION. AS THE
YEAR PASSED BY, A FEW IMPORTANT




                                      Management Discussion
ECONOMIC AND GEOPOLITICAL EVENTS




                                          and Analysis
TOOK PLACE WHICH EVENTUALLY LED
TO A LESS OPTIMISTIC INVESTMENT
ENVIRONMENT GLOBALLY.

DOMESTICALLY, INDONESIA ENJOYED
A STRONG ECONOMIC RECOVERY IN
2022 AND THE MOMENTUM CARRIED
ON IN 2023, DRIVEN MOSTLY BY THE
                                      Governance
                                       Corporate

IMPROVING PRIVATE CONSUMPTION
AND EXPORT PERFORMANCE. THE
COUNTRY REGISTERED A GDP GROWTH
OF 5.05% IN 2023, A WELL-MANAGED
AVERAGE INFLATION RATE OF LESS
THAN 3% AND A STABLE CURRENCY.
                                      Corporate Social
                                       Responsibility




MICHAEL W. P. SOERYADJAYA
President Director




                                     17
Page 20
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Strategy Focus: Staying Ahead of the Curve                             As Saratoga embarked on its public listing journey in 2013, our
                                                                                                                                                    mission was to showcase Indonesia as an exceptional investment
                                                                             In the face of a challenging global economic landscape, we are         destination, enticing international investors to contribute to our
                                                                             delighted to share a robust performance report for the company,        thriving nation. A decade later, I firmly believe we are on the
                                                                             underscored by the resilient growth exhibited by our portfolio         right trajectory to realize our vision. Our stakeholder base now
                                                                             companies. Alongside my fellow Directors, we navigated these           spans the globe, and our collaborations with sector-leading
                                                                             economic challenges with confidence and fortitude.                     international players in diverse co-investment projects have
                                                                                                                                                    expanded our horizons. These partnerships not only validate the
                                                                             We are fortunate to have an exceptional team of Commissioners,         potential of Indonesia but they also unlock doors to cutting-edge
                                                                             fellow Directors, and dedicated employees, spanning both               technologies and industry trends, keeping us at the forefront of
                                                                             Saratoga and our portfolio companies. Together, we share a             progress.
                                                                             common investment vision: Staying Ahead of the Curve. Our aim
                                                                             is to construct a portfolio that not only spans various sectors but,   In this fast-paced and ever-evolving business landscape, we
                                                                             more crucially, strategically positions us in the right ones.          recognize the paramount importance of staying ahead of the
                                                                                                                                                    curve to maintain competitiveness. This commitment runs deep
                                                                             Reflecting on the Company's performance in 2023, the                   within our company culture, fueled by the strength and agility of
                                                                             emphasis on diversification within the right sectors proved to be      our team. Looking forward to the future growth of the Company, I
                                                                             instrumental. Our commodity-centric portfolio companies, such as       am mindful of the importance of maintaining rigorous discipline in
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             PT Adaro Energy Indonesia Tbk. (ADRO) and PT Merdeka Copper            executing our investment strategy and building the right team will
                                                                             Gold Tbk. (MDKA), reaped the benefits of favorable commodity           be critical to keeping us at the forefront of our industry.
                                                                             prices throughout 2022 and 2023. Simultaneously, our
                                                                             consumer-driven investments, exemplified by PT Mitra Pinasthika        2024 Business Outlook
                                                                             Mustika Tbk. (MPMX), PT Mulia Bosco Logistik (MBL), and PT Zulu
                                                                             Alpha Papa (ZAP), capitalized on the momentum of a recovering          Entering 2024, I believe we have good reasons to be optimistic
                                                                             consumer demand in 2023.                                               about the outlook of the year. Globally the inflation pressure
                                                                                                                                                    seems to be improving, which will help create a more interest-
                                                                             While the performance of the digital technology sector                 rate friendly environment for business owners and investors.
                                                                             experienced a slight moderation, our conviction in its                 Domestically, Indonesia entered the new year with a steady
                                                                             potential remains unwavering. We perceive it as a gateway to           economic condition, fair inflation environment and low
                                                                             Indonesia's future economy, and our commitment to this sector          unemployment rate.
                                                                             remains steadfast.
                                                                                                                                                    From an investment perspective, our steadfast focus on the
                                                                             In our previous annual report, we commemorated the 25th                long-term positions us to capitalize on potential mispricing and
                                                                             anniversary of the Saratoga group's establishment. In this report,     investment opportunities arising from short-term uncertainty in
                                                                             we reflect on the 10th anniversary of Saratoga's public listing.       the market. Moreover, we remain bullish on the growth potential
                                                                             These significant milestones have prompted a deep sense of             of our portfolio companies, believing there is ample room for
                                                                             responsibility and immense gratitude within me, directed towards       expansion.
                                                                             my colleagues and our nation.




18
Page 21
Despite prevailing uncertainties, our expectation for 2024




                                                                                                                                      Performance Snaphot:
                                                                                                                                      Demonstrating Value
remains constructive as we are optimistic with the investment
prospects across various sectors in Indonesia. Backed by a deep
commitment to long-term investments and bolstered by robust
resources and a strong network, we remain confident in our
ability to navigate market dynamics effectively.


We have a very dedicated team to deliver professional
management and consultation to guide our portfolio companies
to thrive and generate value for stakeholders in the long run.




                                                                                                                                      Management
At the same time, we remain vigilant, mindful of economic




                                                                                                                                        Report
fluctuations, and exercise prudence in sector selection as part of
our commitment to ensuring business continuity and safeguarding
the interests of the Company and its stakeholders.


Corporate Governance




                                                                                                                                      Performance
We are pleased to announce that 2023 was the first year of




                                                                                                                                        Portfolio
implementing our Environmental, Social, and Governance
(ESG) roadmap, established in 2022. Through this roadmap, we
                                                                     LANY D. WONG
have further strengthened our commitment to Good Corporate           Finance Director
Governance (GCG) practices across Saratoga and its portfolios.


The ESG roadmap serves as a solid foundation, guiding us and our     Report of Saratoga’s Finance
portfolio companies to translate ESG commitments into impactful      Director
actions, fostering resilience and responsible business practices.




                                                                                                                                      Company
                                                                                                                                       Profile
                                                                     Throughout 2023, Saratoga prioritized effective cash flow
Looking ahead, Saratoga remains dedicated to raising awareness       management as its foremost concern. The objective was
among stakeholders to collectively build a sustainable future.       to maintain a lean and efficient balance sheet capable of
We commit to continuous improvement, adapting to evolving            supporting the Company's growth and investment strategy
ESG standards, and contributing to a responsible global              on all fronts. As of the year-end 2023, Saratoga's total net
business landscape. Our journey is a collaborative effort, and we    debt reached IDR263 billion, marking a 62% decrease from
appreciate the ongoing support of our stakeholders in this shared    the previous year. With a streamlined balance sheet and a
commitment to sustainability.                                        low Loan to Value (LTV), we maintained agility, effectively




                                                                                                                                      Management Discussion
                                                                     managing interest costs while ensuring the ability to finance
Appreciation




                                                                                                                                          and Analysis
                                                                     strategic investments when favorable opportunities arose.


I would like to conclude the report by extending my sincere          To maintain a healthy capital structure on our balance sheet,
gratitude to our dedicated employees for their unwavering            we remain vigilant in monitoring all funding sources. Our
commitment and outstanding teamwork throughout the                   objective is to achieve a prudent balance between utilizing
challenging year. Despite the hurdles, we demonstrated resilience    our cash reserves and leveraging debt facilities, avoiding
and delivered positive results.                                      overconcentration of risk in any particular channel or with
                                                                     any specific partner.
I would like to express our honor in collaborating with the
esteemed management executives of our portfolio companies.           Looking ahead to 2024, a potentially more interest-rate
                                                                                                                                      Governance

We remain committed to supporting them towards their goals           friendly environment is anticipated, driven by a potential
                                                                                                                                       Corporate


and leveraging the extensive resources of Saratoga to further        interest rate cut by the US Fed. This could trigger a
enhance the success of our partnered companies. Your continued       ripple effect, prompting other central banks to ease
dedication is instrumental to our collective achievements, and we    monetary policies as well. A lower interest rate scenario
look forward to the continued journey ahead.                         is favorable for business and investors, fostering a more
                                                                     dynamic investment sentiment. We are cognizant of rate
                                                                     and currency market volatility resulting from central bank
                                                                     decisions, prioritizing the stability of our balance sheet
                                                                     through effective cash and currency management.
                                                                                                                                      Corporate Social
                                                                                                                                       Responsibility




                                                                                                                                     19
Page 22
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                                                                                                 exercising extra caution in our screening process as we
                                                                                                                                                 persistently search for the most promising deals available in
                                                                                                                                                 the market.


                                                                                                                                                 Highlighting the achievements within our portfolio, blue-chip
                                                                                                                                                 investment such as PT Tower Bersama Infrastructure Tbk.
                                                                                                                                                 (TBIG) experienced a year of steady growth, underscoring their
                                                                                                                                                 resilience. While PT Adaro Energy Indonesia Tbk. (ADRO) and
                                                                                                                                                 PT Merdeka Copper Gold Tbk. (MDKA) profitability remained
                                                                                                                                                 robust despite adversely impacted by the normalization of
                                                                                                                                                 the commodity price.


                                                                                                                                                 Growth-focused investments such as PT Mitra Pinasthika
                                                                                                                                                 Mustika Tbk. (MPMX) enjoyed the benefit of the improving
                                                                                                                                                 consumer demand. Furthermore, we have made a new
                                                                                                                                                 investment in ZAP and increased our stake to majority
                                                                                                                                                 ownership in an existing portfolio company, MGM Bosco
                                                                                                                                                 Logistics (MBL). Our investment in ZAP marks a strategic
                                                                                                                                                 move in our expansion within the healthcare sector, an area
                                                                             DEVIN WIRAWAN
                                                                             Investment Director                                                 where we maintain strong conviction. Over the past few years,
                                                                                                                                                 we have dedicated significant time and effort to augment our
                                                                                                                                                 presence in this sector.
                                                                             Report of Saratoga’s Investment
                                                                             Director                                                            Looking ahead into 2024, considering the potential state of
                                                                                                                                                 the global economic environment, our long-term investment
                                                                             Our team has prioritized close monitoring of our portfolio          horizon guides our focus. We remain steadfast in adhering
                                                                             companies, ensuring they receive the necessary support.             to the established strategy, collaborating closely with our
                                                                             Maintaining open lines of communication with the key teams          team and my esteemed fellow Directors. The emphasis will
                                                                             of the portfolio companies, such as the finance, operation,         be on nurturing the business growth of our existing portfolio
                                                                             sales, and management functions, has allowed us to gain             while actively seeking new investments in key sectors like
                                                                             insights into their performance and offer assistance as             healthcare, consumer goods, digital infrastructure, and
                                                                             needed. Throughout the year, we have actively explored              renewable energy. Recognizing these sectors as drivers
                                                                             opportunities for collaboration among the businesses across         of Indonesia's future growth, early entry positions us
                                                                             our portfolios to create synergies that contribute to the overall   advantageously in the investment landscape.
                                                                             success of our companies.
                                                                                                                                                 We firmly believe that successful investments are built
                                                                             Another priority is to continue looking for attractive investment   on diligence, discipline, and unwavering teamwork. With
                                                                             and value-unlocking opportunities. From past experiences,           confidence in the capabilities of our team, I find myself
                                                                             we recognize that the most favorable opportunities often            surrounded by the most capable team that an investment
                                                                             arise in uncertainty. While some investors may have slowed          director can ever wish for and therefore I have no doubt that
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             down during the challenging landscape of 2023, we view this         we will continue to persist in delivering the utmost value for
                                                                             as an opportune moment to identify mispriced or undervalued         Saratoga and our valued stakeholders for years to come.
                                                                             deals. Our commitment is to approach this task with diligence,




                                                                                                                             On Behalf of the Board of Directors,




                                                                                                                              MICHAEL W. P. SOERYADJAYA
                                                                                                                                   President Director




20
Page 23
    Performance Snaphot:   Management     Portfolio   Company    Management Discussion    Corporate   Corporate Social
    Demonstrating Value      Report     Performance    Profile       and Analysis        Governance    Responsibility




                                                                                                                         21
         Performance
         Portfolio
Chapter 03
Page 24
                                                                             Publicly Listed
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Companies

                                                                             PT Adaro Energy Indonesia Tbk                                         •   June 2023: MBMA acquired a 60% stake (40% Tsingshan) in
                                                                             (Ticker Code: ADRO)                                                       PT Huaneng Metal Industry (HNMI) for USD75 million. HNMI
                                                                                                                                                       operates a high-grade nickel matte (HGNM) conversion
                                                                             ADRO, an integrated pit-to-power energy producer with minerals            facility within the Indonesia Morowali Industrial Park (IMIP),
                                                                             processing and renewable energy projects in development,                  processing low-grade nickel matte (LGNM) into HGNM
                                                                             recorded several achievements during 2023, both operationally             containing 70% nickel. The facility has an annual production
                                                                             and financially.                                                          capacity of 50,000 tons p.a.
                                                                                                                                                   •   September 2023: MBMA signed a definitive agreement with
                                                                             After a strong rally of commodity prices in the past two years,           GEM to construct a High-Pressure Acid Leach (HPAL) plant
                                                                             mostly driven by the soaring global demand and heightened                 with a capacity of 30,000 tons p.a. of contained nickel in
                                                                             geopolitical tension, the price level has started to normalize            Mixed Hydroxide Precipitate (MHP). The plant will be located
                                                                             in 2023. Although revenue and operational EBITDA softened                 in the Indonesia Morowali Industrial Park (IMIP) and operated
                                                                             compared to the previous year, ADRO’s financial position remains          under PT ESG New Energy Material (MBMA owns 55% and
                                                                             robust and the firm has achieved the following key milestones:            GEM owns 45%). Target commissioning dates are the end of
                                                                                                                                                       2024 for stage 1 and mid-2025 for stage 2. Additionally, the
                                                                             •   In March 2023, a groundbreaking ceremony for the                      plant will procure and process laterite nickel ore from MBMA’s
                                                                                 Mentarang Induk Hydropower Plant project in Kaltara                   SCM Mine under a 20-year supply agreement.
                                                                                 (North Kalimantan) took place. The project has an estimated
                                                                                 investment of USD2.6 billion and a capacity to generate 1,375     In addition to operational advancements, MDKA received an
                                                                                 MW of electricity. The project, operated under PT Kayan           upgraded ESG rating from MSCI to ‘A,’ solidifying its position
                                                                                 Hydropower Nusantara (KHN), is jointly owned by ADRO              as the highest-rated metal and mining producer in Indonesia.
                                                                                 (50%), Sarawak Energy Berhad (25%), and PT Kayan Patria           This rating underscores MDKA’s commitment to transparency,
                                                                                 Pratama (25%).                                                    accountability, and initiatives to mitigate social and environmental
                                                                             •   In May 2023, ADRO successfully secured financial closure for      impacts.
                                                                                 the aluminum smelter project, obtaining a total loan of USD1.6
                                                                                 billion and IDR2.5 trillion. This milestone brings the project    PT Mitra Pinasthika Mustika Tbk
                                                                                 closer to the production phase in the upcoming years.             (Ticker Code: MPMX)

                                                                             PT Merdeka Copper Gold Tbk                                            In 2023, MPMX, a leading consumer automotive company,
                                                                             (Ticker Code: MDKA)                                                   implemented strategic initiatives that fueled substantial growth in
                                                                                                                                                   revenue and core profit. This exceptional performance was driven
                                                                             MDKA, a prominent metals and minerals mining portfolio, operates      by increased sales volumes of two-wheeled vehicles and notable
                                                                             gold, copper, nickel, and other mineral extraction projects with      improvements in their average sales price (ASP).
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             assets spread across three Indonesian islands. In 2023, MDKA
                                                                             expanded its operations by focusing on copper and gold                The distribution sales of two-wheeled vehicles experienced
                                                                             production and through its newly listed subsidiary, PT Merdeka        significant growth throughout 2023, bolstered by the
                                                                             Battery Materials Tbk. (MBMA). In pursuit of competitiveness          resurgence of private consumption demand and improvements
                                                                             and future growth, MDKA achieved the following significant            in semiconductor supply. Moreover, MPM Rent, a key business
                                                                             investments and milestones:                                           pillar of MPMX, achieved outstanding results with over 90% fleet
                                                                                                                                                   utilization and impressive sales volumes of used cars.
                                                                             •   March 2023: MBMA announced plans to develop a high-
                                                                                 pressure-acid-leach plant at the Indonesia Konawe Industrial      These positive earnings outcomes establish a robust foundation
                                                                                 Park in Sulawesi, Indonesia (IKIP HPAL). This HPAL project        for MPMX to optimize its current operations while actively
                                                                                 will produce a total of 120,000 tons per annum (p.a.) of nickel   pursuing future growth opportunities. The company aims to
                                                                                 equivalent, split into two tranches of 60,000 tons p.a. For       explore potential partnerships that will either enhance existing
                                                                                 the first tranche (HPAL 1a), MBMA entered a Memorandum            operations or expand its presence into other related businesses
                                                                                 of Understanding (MoU) with Ningbo Brunp Contemporary             within the automotive ecosystem.
                                                                                 Amperex Co. Ltd., an affiliate of Brunp CATL.




22
Page 25
                                                                                                                                                     Performance Snaphot:
                                                                                                                                                     Demonstrating Value
PT Tower Bersama Infrastructure Tbk                                          PT Samator Indo Gas Tbk
(Ticker Code: TBIG)                                                          (Ticker Code: AGII)




                                                                                                                                                     Management
                                                                                                                                                       Report
TBIG, a leading independent tower company in Indonesia,                      AGII, a leading figure in the medical gas and industrial gases
specializes in leasing space for Base Transceiver Stations (BTS)             sectors, continued its trajectory of growth and expansion in 2023.
and other wireless signal transmission equipment under long-term             Benefiting from a robust demand recovery across various business
contracts. Additionally, the company offers access to its Distributed        sectors, AGII achieved notable increases in both sales and profits.
Antenna System (DAS) networks in shopping malls and office                   The medical sector emerged as a significant driver of growth, with
buildings across major urban areas in Indonesia.                             AGII successfully maintaining and expanding its networks within




                                                                                                                                                     Performance
                                                                             both new and existing hospital clientele. Additionally, heightened




                                                                                                                                                       Portfolio
Building upon its consistent growth trajectory from 2022, TBIG               demand from the manufacturing sector, particularly from oil and
sustained its momentum by adding over 2,000 additional                       gas customers, further fueled AGII's growth.
tenants throughout 2023. With a network of nearly 22,500
telecommunication sites accommodating close to 42,000 tenants,               To bolster profitability and ensure business resilience, AGII
TBIG achieved robust revenue and EBITDA performance.                         strengthened its balance sheet through strategic measures such
                                                                             as issuing bonds and sukuk Ijarah. The company successfully
In a strategic move to ensure business continuity and optimize               completed the issuance of IDR70 billion in bonds and IDR70
financing, TBIG actively diversified its debt funding resources.             billion in sukuk.




                                                                                                                                                     Company
                                                                                                                                                      Profile
Through the Bond V and VI Program, the company successfully
executed three rupiah-denominated bond issuances in 2023 – in                March 2023 marked a pivotal moment for AGII as it welcomed a
February, July, and December – totaling IDR5.5 trillion. This included       new shareholder, the globally renowned private equity manager,
IDR5.0 trillion with a tenor of 370 days and IDR500 billion with a           CVC Capital Partners. Leveraging CVC's extensive global network
tenor of three years. The proceeds from these bond issuances will            and expertise, this partnership is poised to deliver substantial
be utilized to partially repay existing financial liabilities and maintain   benefits to AGII, propelling its business growth to new heights.
prudent cash flow management.                                                The strategic partnership is expected to fortify AGII's position in
                                                                             both the industrial and medical gas sectors in Indonesia, thereby




                                                                                                                                                     Management Discussion
                                                                             indirectly contributing to the nation's economic progress.




                                                                                                                                                         and Analysis
                                                                             Furthermore, AGII embarked on a groundbreaking venture for its
                                                                             new plant project in the Batang Integrated Industrial Estate (KITB)
                                                                             in Central Java. Scheduled for commissioning in the fourth quarter
                                                                             of 2024, this plant marks AGII's 56th facility and is a significant
                                                                             milestone poised to secure the company's growth prospects. This
                                                                             development aligns synergistically with the plans of AGII's partner,
                                                                             KCC Glass Corporation of South Korea, which is constructing a
                                                                             factory in KITB slated to become one of the largest in Southeast
                                                                             Asia. AGII had previously sealed a sales and purchase agreement
                                                                                                                                                     Governance

                                                                             with KCC Glass Corporation in November 2022.
                                                                                                                                                      Corporate
                                                                                                                                                     Corporate Social
                                                                                                                                                      Responsibility




                                                                                                                                                    23
Page 26
                                                                             Private
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Companies

                                                                             Bersama Digital Asia Infrastructure Pte. Ltd.                         In a notable display of Corporate Social Responsibility (CSR),
                                                                             (BDIA, holding company of TBIG)                                       Xurya initiated the installation of rooftop solar and solar charging
                                                                                                                                                   stations in the Komodo National Park tourist area, specifically on
                                                                             In 2023, BDIA achieved several significant milestones. In May,        Padar Island.
                                                                             the launch of Bersama Digital Data Centers (BDDC) marked a
                                                                             pivotal moment. BDDC serves as an in-town data center platform,       These remarkable achievements led to Xurya's inclusion in the
                                                                             designed to be a hub of interconnectivity with an integrated          Forbes Asia "100 to Watch List" for the first time. This prestigious
                                                                             digital ecosystem. Acquiring two sites, namely PT Rumah Data          list, curated by Forbes Asia Magazine, acknowledges the
                                                                             Kita (South Jakarta) and PT PCDC Propco One AtriaDC (West             accomplishments of promising small businesses and startups
                                                                             Jakarta), BDDC boasts a combined capacity of up to 60 MW and          that target underserved markets or implement innovative
                                                                             occupies a data hall area exceeding 20,000 square meters, with        technological solutions.
                                                                             the potential to accommodate over 9,000 racks.
                                                                                                                                                   PT Zulu Alpha Papa
                                                                             BDDC's commitment to sustainability was further recognized when       (ZAP)
                                                                             its sustainable design earned a prestigious award from W.Media, a
                                                                             renowned name in the global digital and data center industry. The     Saratoga’s latest investment in one of Indonesia's leading beauty
                                                                             "Sustainability in Design & Build" award acknowledges BDDC's          and health clinic providers, ZAP, is another highlight of the year.
                                                                             dedication to sustainable practices in the digital transformation     ZAP stands out as a premier beauty and health clinic provider in
                                                                             era and underscores its alignment with Saratoga's green initiative.   Indonesia, boasting a network of over 90 branches nationwide.
                                                                                                                                                   Established in 2009 as a pioneer in permanent hair removal
                                                                             In November 2023, BDDC celebrated a topping-off event for             treatments, ZAP has since evolved into a comprehensive skincare
                                                                             the South Jakarta site, a tier IV data center. This event marked a    clinic offering a range of equipment-based services. Staffed by
                                                                             significant milestone in the completion of a key phase in BDDC's      qualified doctors and certified nurses, each clinic features an
                                                                             latest expansion project.                                             online booking system and integrated data network, ensuring
                                                                                                                                                   seamless access to treatments across all locations.
                                                                             PT Xurya Daya Indonesia
                                                                             (Xurya)                                                               Recognizing the growing demand for specialized skincare
                                                                                                                                                   solutions, ZAP launched ZAP Premiere in 2016, emerging as
                                                                             Xurya, established in 2018, is a leading solar energy firm catering   one of Indonesia's leading dermatology clinics. Equipped with
                                                                             to corporate solar energy needs. Offering flexible options            state-of-the-art technology and expertise, ZAP Premiere caters
                                                                             including outright purchase or leasing of solar panels and grid       to clients with diverse skin concerns, further enhancing ZAP's
                                                                             installations, Xurya serves as a comprehensive solution provider      reputation for excellence.
                                                                             in the solar energy sector.
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                                                                                   In a testament to its commitment to innovation, ZAP expanded its
                                                                             The year 2023 proved to be highly successful for Xurya as             offerings with the introduction of Men/O/Logy in 2019, Indonesia's
                                                                             it accelerated its business growth and achieved significant           first male grooming clinic chain. This was followed by the launch
                                                                             milestones. Notably, Xurya doubled its operating capacity             of JUVA, a skincare brand complementing ZAP's clinical services.
                                                                             compared to the previous year, earning the trust of over 100          Additionally, ZAP ventured into health and wellness with the
                                                                             companies to install and manage rooftop solar systems on their        inception of ZAP Health.
                                                                             buildings. With a total of 150 operational rooftop solar projects
                                                                             spanning 11 Indonesian provinces, including the recent expansions     Throughout its journey, ZAP Clinic has garnered numerous
                                                                             into Bali and Borneo (Kalimantan), Xurya has effectively offset an    accolades and awards, earning the trust of the public for its
                                                                             estimated 54,000 tons of CO2 emissions in 2023 alone.                 unwavering dedication to excellence. By prioritizing top-quality
                                                                                                                                                   technology, treatment materials, and products, while delivering a
                                                                             Furthermore, Xurya forged strategic collaborations with PLN Icon      five-star service experience, ZAP continues to set the standard for
                                                                             Plus and PLN UID West Java to create business collaboration           premium beauty and healthcare in Indonesia.
                                                                             plans for utilizing renewable energy, encompassing photovoltaic
                                                                             systems, energy management systems, carbon management, and
                                                                             renewable energy certification.




24
Page 27
    Performance Snaphot:   Management     Portfolio   Company    Management Discussion    Corporate   Corporate Social
    Demonstrating Value      Report     Performance    Profile       and Analysis        Governance    Responsibility




                                                                                                                         25
         Company
         Profile
Chapter 04
Page 28
                                                                             Corporate
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Data

                                                                               Company                           The Company Name           Address                           Telephone
                                                                               Name                              Change
                                                                                                                                            Menara Karya 15th Floor           +62 21 5794 4355
                                                                               PT Saratoga                       The Company's name         Jl. H.R. Rasuna Said
                                                                               Investama                         never changed              Block X-5 Kav. 1-2
                                                                                                                                            Jakarta Selatan 12950             Facsimile
                                                                               Sedaya, Tbk.
                                                                                                                                                                              +62 21 5794 4365



                                                                               Email                                                        Website

                                                                               Investor.relations@saratoga-investama.com                    www.saratoga-investama.com
                                                                               corporate.secretary@saratoga-investama.com




                                                                               Association                       Authorized                 Issued and                        Ticker
                                                                               Membership                        Capital                    Paid-Up Capital                   Code

                                                                               - Indonesian Public               48,833,400,000             13,564,835,000                    SRTG
                                                                                 Listed Companies                shares                     shares
                                                                                 Association
                                                                               - Indonesia Global
                                                                                 Compact Network
                                                                                 (IGCN)



                                                                               Business Lines According to Articles of Association          Business Lines in the Current Year

                                                                               The main purposes and objectives of its establishment        To achieve the aforesaid main business activities, the
                                                                               as outlined in the Company’s Articles of Association are:    Company may carry on the following supporting business
                                                                               1. To carry on activities of holding company where the       activities:
                                                                                   main activity is ownership and/or control of assets of   1. To provide funding and/or financing as required by
                                                                                   a group of its subsidiaries; and                             companies in which the Company is investing either
                                                                               2. To carry out other management consulting activities           directly or indirectly; and
                                                                                   where the main activities (as relevant) are:             2. To provide funding and/or financing as required by
                                                                                   a. to provide assistance with advices, guidance              companies in the aforesaid company or a group
                                                                                        and business operation and other organizational         of companies or in the framework of investment of
                                                                                        and managerial issues, such as strategic and            other assets in the aforesaid company or a group of
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                        organizational planning, decisions relating to          companies.
                                                                                        finance, objectives and marketing policies,
                                                                                        human resource planning, practices and policies,
                                                                                        planning scheduling and production controlling;
                                                                                        and                                                 Area of Operations
                                                                                   b. to provide assistance with advices, guidance
                                                                                                                                            Due to the characteristics of Saratoga’s business, we are
                                                                                        and operation of various management functions,
                                                                                                                                            not an operating company. Hence, we do not provide
                                                                                        managerial consultancy, agronomists processing
                                                                                                                                            information about the Company's area of operations.
                                                                                        and agricultural economy in agriculture sector
                                                                                        and the like, design of accounting methods and
                                                                                        procedures, cost accounting programs, budget
                                                                                        supervision procedures, giving of advices and
                                                                                        assistances to businesses and community
                                                                                        services in planning, organizing, efficiency
                                                                                        and supervision management information and
                                                                                        others.




26
Page 29
Organization




                                                                                                                                                    Performance Snaphot:
                                                                                                                                                    Demonstrating Value
Structure

       BOARD OF COMMISSIONERS




                                                                                                                                                    Management
             EDWIN SOERYADJAYA




                                                                                                                                                      Report
           (President Commissioner)
                                                                                                            BOARD OF
         JOYCE SOERYADJAYA KERR
                                                                                                            DIRECTORS
              (Commissioner)
             INDRA CAHYA UNO
              SIDHARTA UTAMA
                (Independent)
          ANANGGA W. ROOSDIONO
                (Independent)




                                                                                                                                                    Performance
                                                                                                                                                      Portfolio
                              NOMINATION &
      AUDIT                                                    INVESTMENT
                              REMUNERATION
    COMMITTEE                                                   COMMITTEE
                                COMMITTEE

    ANANGGA W.                   ANANGGA W.              EDWIN SOERYADJAYA
    ROOSDIONO                    ROOSDIONO                   (Supervisor)
     (Chairman)                   (Chairman)                   MICHAEL W. P.
    ARIA KANAKA            EDWIN SOERYADJAYA                   SOERYADJAYA
                                                                 (Chairman)
  HANY GUNGORO              HANDIANTO GANIS
                                                            LANY D. WONG




                                                                                                                                                    Company
                                                                                                                                                     Profile
                                                            DEVIN WIRAWAN




                                                                                                             PRESIDENT
                                                                                                             DIRECTOR


                                                                                                            MICHAEL W. P.
                                                                                                            SOERYADJAYA




                                                                                                                                                    Management Discussion
                   FINANCE                      PORTFOLIO                      INVESTMENT




                                                                                                                                                        and Analysis
                   DIRECTOR                      DIRECTOR                        DIRECTOR


                                               MICHAEL W. P.
                  LANY D. WONG                                             DEVIN WIRAWAN
                                               SOERYADJAYA




                                              PORTFOLIO                        INVESTMENT
                                            OPERATION TEAM                        TEAM                                                              Governance
                                                                                                                                                     Corporate




                                                                                                        LEGAL AND CORPORATE
                                                                                      INTERNAL AUDIT                              HR & GA
                                                                                                             SECRETARY
                                                                                         UNIT HEAD                                DIVISION
                                                                                                           DIVISION HEAD


                                                                                       LILY HERAWATI       SANDI RAHAJU       IVONNE LO (ACTING)
                                                                                                                                                    Corporate Social
                                                                                                                                                     Responsibility




   INFORMATION                                                                         CORPORATE
SYSTEM, ACCOUNTING               FINANCE              INVESTOR RELATIONS             COMMUNICATION       RISK MANAGEMENT       CORPORATE TAX
    & BUDGETING                  DIVISION                DIVISION HEAD                   AND CSR              DIVISION          DIVISION HEAD
      DIVISION                                                                        DIVISION HEAD

   TINA NURYATI               LANY D. WONG                                                                 KEMAL MAWIRA
                                                            RYAN SUAL               CATHARINA LATJUBA                          OLIVIA MAHARANI
      (ACTING)                  (ACTING)                                                                      (ACTING)




                                                                                                                                                   27
Page 30
                                                                             Our Management
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Team

                                                                             The composition of the members of Board       Board of Commissioners
                                                                             of Commissioners as well as members
                                                                             of Board of Directors in 2023 remained
                                                                             unchanged. However, the Company
                                                                             ensures that each member of Board of
                                                                             Commissioners and of Board of Directors
                                                                             has demonstrated independence and
                                                                             integrity in their duty implementation. The
                                                                             profile of each member of the Board of
                                                                             Commissioners is detailed out as follows:




                                                                                                                           Edwin Soeryadjaya
                                                                                                                           President Commissioner
                                                                                                                           An Indonesian citizen, 74 years old


                                                                                                                           His appointment as the Company’s President Commissioner was determined through
                                                                                                                           the EGMS on January 22, 1997, and he is still currently serving the position. He also
                                                                                                                           serves as the Supervisor of the Investment Committee of the Company and the member
                                                                                                                           of the Nomination and Remuneration Committee of the Company. He is also one of the
                                                                                                                           main shareholders of the Company and is affiliated with Michael W. P. Soeryadjaya, the
                                                                                                                           President Director of the Company and Joyce Soeryadjaya Kerr, the Commissioner of
                                                                                                                           the Company.


                                                                                                                           He started his professional career in 1978 by joining in Astra International, one of
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                                                           Indonesia’s largest diversified conglomerates company founded by his father. In 1993,
                                                                                                                           he left his position as the Vice President Director and co-founded Saratoga, which
                                                                                                                           focuses on three pillars, i.e. natural resources, infrastructure and consumer products.
                                                                                                                           He is now serving as the President Commissioner of PT Adaro Energy Indonesia Tbk.
                                                                                                                           (coal & energy), PT Tower Bersama Infrastructure Tbk. (telecommunication towers), PT
                                                                                                                           Merdeka Copper Gold Tbk. (gold and copper mining) and PT Mitra Pinasthika Mustika
                                                                                                                           Tbk. (consumer automotive).


                                                                                                                           A long-time proponent of education, he has been socially active in the community
                                                                                                                           through his roles as co-founder of the William Soeryadjaya Foundation (currently known
                                                                                                                           as William and Lily Foundation) and is the Chairman of the Board of Trustees of Ora Et
                                                                                                                           Labora Foundation. Edwin Soeryadjaya earned a Bachelor of Business Administration
                                                                                                                           degree from the University of Southern California in 1974 and was awarded as Ernst &
                                                                                                                           Young Entrepreneur of the Year in 2010.




28
Page 31
                                                                                                                                                        Performance Snaphot:
                                                                                                                                                        Demonstrating Value
                                                                                                                                                        Management
                                                                                                                                                          Report
                                                                                                                                                        Performance
                                                                                                                                                          Portfolio
                                                                                                                                                        Company
                                                                                                                                                         Profile
Joyce Soeryadjaya Kerr                           Indra Cahya Uno
Commissioner                                     Commissioner
An Indonesian citizen, 73 years old              An Indonesian citizen, 57 years old


Her appointment as the Commissioner of           His appointment as the Commissioner of the Company was outlined in the Shareholders’
the Company was determined by the EGMS           Resolution dated 14 May 2013, and continues to serve at such capacity. He is affiliated with




                                                                                                                                                        Management Discussion
on August 31, 1999, and continues to serve       Sandiaga Salahuddin Uno, one of the main shareholders of the Company.




                                                                                                                                                            and Analysis
at such capacity. She is affiliated with Edwin
Soeryadjaya, the President Commissioner of       In the meantime, he has also been serving as the Commissioner of ANTV (PT Cakrawala
the Company.                                     Andalas Televisi, one of the early entertainment terrestrial television channels in Indonesia), the
                                                 Commissioner of Indivara Group (PT Indivara Sejahtera Mandiri, an enterprise solutions provider
Also now, she serves as the Commissioner         which operates in the Philippines) also, and the founder of PT TPS Consulting Indonesia, a
in PT Unitras Pertama, one of the main           boutique strategic business management consultant and a certified member of the Indonesian
shareholders of the Company.                     Institute of Commissioners and Directors (a division of the National Committee on Corporate
                                                 Governance).
She earned a Bachelor of Science degree
from University of Southern California,          Indra’s social activities include serving as the Chairman of Mien R. Uno Foundation (a foundation
                                                                                                                                                        Governance

majoring in Language, Art and Science,           for youth entrepreneurship education), the founder and Chairman of the Supervisory Board of
                                                                                                                                                         Corporate


specifically in German.                          OK OCE Indonesia (a nation wide as well as Malaysia and Turkiye social movement in income
                                                 and job creation through entrepreneurship) and the initiator of Garuda Cendekia School (an
                                                 inclusive national curriculum for middle and high school that focuses on active learning).


                                                 He earned a Doctor of Philosophy degree in Strategic Management from University of
                                                 Indonesia, Jakarta, Indonesia, Master of Business Administration degree from University of
                                                 Southern California, Los Angeles, USA, Master of Science degree in Aerospace Engineering
                                                 from University of Michigan, Ann Arbor, USA, and a Bachelor of Science degree in Aerospace
                                                                                                                                                        Corporate Social
                                                                                                                                                         Responsibility




                                                 Engineering from The Wichita State University, Wichita, USA.




                                                                                                                                                       29
Page 32
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Sidharta Utama                                                       Anangga W. Roosdiono
                                                                             Independent Commissioner                                             Independent Commissioner
                                                                             An Indonesian citizen, 58 years old                                  Chairman of Nomination and Remuneration Committee
                                                                                                                                                  Chairman of Audit Committee
                                                                             The appointment of Prof. Sidharta Utama, Ph.D., CA CFA as the        An Indonesian citizen, 79 years old
                                                                             Independent Commissioner of the Company was approved the
                                                                             EGMS on February 22, 2013 and re-appointed in 2016, 2019 and         His appointment as the Independent Commissioner of the
                                                                             2022. He is a professor at the Faculty of Economics, University      Company was referred in the Shareholders’ Resolution dated 13
                                                                             of Indonesia, with research interest in the area of corporate        March 2013 and re-appointed in 2016, 2019 and 2022. He also
                                                                             governance and has been serving at the University as a lecturer      serves as the Chairman of the Nomination and Remuneration
                                                                             for more than 25 years.                                              Committee of the Company. He has been chairing the Audit
                                                                                                                                                  Committee of the Company since July 2019. He is the founder
                                                                             Apart from being an academician, he also serves as a member          of Roosdiono & Partners, a full service corporate law firm and
                                                                             of the Trustee Board – Indonesia Institute for Corporate             member firm of ZICO law network.
                                                                             Directorship, a member of the National Council – the Indonesia
                                                                             Institute of Chartered Accountants, a member of the Oversight        In the meantime, he is also a lecturer at the Business and
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             Board – the Indonesia Institute of Chartered Public Accountants,     Management School, Bandung Institute of Technology. Since
                                                                             a member of the Board of Advisory for Financial Accounting Policy    October 2020, he has been serving as the Chairman of the
                                                                             of Bank Indonesia and the Secretary General of the National          Indonesian National Board of Arbitration, the Chairman of the
                                                                             Committee on Governance Policy. He is also a board member of         Indonesian Arbitrators Institute and also a member in several
                                                                             the International Federation of Accountants. He is also serving as   institutions such as the International Bar Association, the Inter
                                                                             the Independent Commissioner at PT Astra Graphia Tbk and PT          Pacific Bar Association, the Indonesian Bar Association, the
                                                                             Allianz Global Investors Asset Management Indonesia. He is the       Association of Indonesian Capital Market Legal Consultants, the
                                                                             head of the Audit Committee at PT Astra Graphia Tbk as well as       Indonesian National Board of Arbitration, the Indonesian Sports
                                                                             the Audit Committee member at PT Bukalapak Tbk.                      Arbitration Body, and the Asian International Arbitration Centre
                                                                                                                                                  (Malaysia) (AIAC) formerly known as Kuala Lumpur Regional
                                                                             He has a Doctor of Philosophy degree in Accounting from Texas        Centre for Arbitration (KLRCA) and the Thailand Arbitration Center
                                                                             A&M University, Master of Business Administration degree in          (THAC).
                                                                             Finance and Information System from Indiana University, and
                                                                             Bachelor of Economics degree in Accounting from the University       He earned a Bachelor of Law degree from University of Indonesia,
                                                                             of Indonesia. He is also a Chartered Financial Analyst and a         his LLM degree from University of Denver and Doctorate degree
                                                                             Chartered Accountant.                                                from Pelita Harapan University.




30
Page 33
The Board




                                                                                                                                              Performance Snaphot:
                                                                                                                                              Demonstrating Value
of Directors

In 2023, the composition of the Board of Directors was not changed.
The profile of each member of the Board of Directors can be found as follows:




                                                                                                                                              Management
                                                                                                                                                Report
                                                                                                                                              Performance
                                                                                                                                                Portfolio
                                                                                                                                              Company
                                                                                                                                               Profile
Michael W. P. Soeryadjaya                      Lany D. Wong                                    Devin Wirawan
President Director                             Finance Director                                Investment Director
An Indonesian citizen, 38 years old            An Indonesian citizen, 54 years old             An Indonesian citizen, 44 years old

His appointment as the President Director      Her appointment as Finance Director             His appointment as Investment Director
of the Company was determined by               of the Company was approved at the              of the Company was approved at AGMS




                                                                                                                                              Management Discussion
the EGMS on June 10, 2015. He is also          AGMS on June 26, 2018. Previously, she          on May 22, 2019. He earned a bachelor
chairing the Investment Committee of           served as Director and Chief Financial          degree in Finance and Management




                                                                                                                                                  and Analysis
the Company. He is affiliated with Edwin       Officer of PT Dharma Satya Nusantara            Information Systems from Curtis L. Carlson
Soeryadjaya, the President Commissioner        Tbk. from 2016 until June 2018 and PT           School of Management, the University
who is also one of the main shareholders       Medco Energi Internasional Tbk. from            of Minnesota, Twin Cities, Minnesota,
of the Company.                                2013 until 2015. While joining in Medco         USA in 2000. He is not affiliated with any
                                               from 2006, she was appointed to serve           main shareholders, Commissioners of the
Michael’s extensive experience in              several strategic positions as Director of      Company and other Directors.
merger and acquisitions has built up his       subsidiaries, Head of Corporate Finance,
professional competence. His valuable          and Head of Corporate Planning and              He built his professional career as
insights contributed to the successful         Performance. Prior to that, she was a           a Strategy and Trading Analyst with
Initial Public Offerings of the Company,       Manager of Financial Advisory Services          University Capital Strategies Group in
PT Mitra Pinasthika Mustika Tbk. and           at PricewaterhouseCoopers, and once             Saint Paul, US, and then with Titan Capital
PT Merdeka Copper Gold Tbk. He                 joined in Arthur Andersen and Astra             in Singapore. He subsequently joined
                                                                                                                                              Governance


has overseen multiple investments by           International. She is not affiliated with the   University Capital Strategies Group,
                                                                                                                                               Corporate


the Company, including PT Deltomed             main shareholders, Commissioners of the         Singapore as a Senior Strategy and
Laboratories, PT Famon Awal Bros Sedaya        Company and other Directors.                    Trading Analyst before joining Saratoga’s
(Primaya Hospital), and PT MGM Bosco                                                           investment team in 2009. During his
Logistics. He is also a Director of PT Adaro   She earned a degree in Economics                tenure at Saratoga Group, he served as
Energy Indonesia Tbk. as of February           (Accounting) from University of Indonesia       member of Executive Committee of PT
2022, a Commissioner of PT Samator Indo        in 1993, and subsequently earned a              Medco Power Indonesia (until 2017) and
Gas Tbk as of July 2022, and PT Merdeka        Master in Finance in 1996 from Texas A&M        Director of PT Paiton Energy (until 2018).
Battery Materials Tbk as of January 2023.      University, College Station, USA. She is a      Currently, he also serves as Director of
                                               CFA Charterholder.                              Xurya Pte. Ltd., Executive Committee
                                                                                                                                              Corporate Social




Michael earned a Bachelor of Arts                                                              member of PT Deltomed Laboratories and
                                                                                                                                               Responsibility




degree in Business Administration from                                                         PT City Vision.
Pepperdine University, USA.




                                                                                                                                             31
Page 34
                                                                             Corporate Structure
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             as of December 31, 2023


                                                                                               EDWIN
                                                                                PUBLIC
                                                                                            SOERYADJAYA



                                                                                                                               PT UNITRAS
                                                                                                               50.00%           PERTAMA




                                                                               10.87%       34.90%                              32.72%




                                                                                                                               TECHNOLOGY
                                                                              ENERGY AND     PRECIOUS
                                                                                                               INDUSTRIALS      AND DIGITAL   CONSTRUCTION
                                                                              RESOURCES       METALS
                                                                                                                             INFRASTRUCTURE
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                   15.18%         18.80%             10%            31.48%          6.97%
                                                                                                  MDKA
                                                                                   ADRO                              AGII            TBIG           NRCA
                                                                                                 PALM OWNS
                                                                                               5.59% OF MDKA


                                                                                   27.14%         5.60%

                                                                                  AMARA          SIHAYO


                                                                                   38.64%

                                                                                    HEB


                                                                                   19.88%

                                                                                   PALM




32
Page 35
                                                                                                                                   Performance Snaphot:
                                                                                                                                   Demonstrating Value
                                                  The Company's Effective Shareholdings
                                                       both Directly and Indirectly
                               *) THE COMPANY'S TREASURY STOCK WAS 0.21% OF TOTAL SHARES DUE TO BUYBACK AS OF 31 DECEMBER, 2022


                              ADRO                    PT Adaro Energy Indonesia Tbk.




                                                                                                                                   Management
                              AGII                    PT Samator Indo Gas Tbk. (Previously PT Aneka Gas Industri Tbk.)
                              AMARA                   PT Agro Maju Raya




                                                                                                                                     Report
                              BHA                     PT Bumi Hijau Asri
                              CITY VISION             PT City Vision
                              DELTOMED                PT Deltomed Laboratories
                              FOREST CARBON           Forest Carbon
                              FUSE                    Fuse Technology
SANDIAGA UNO                  HEB                     PT Hijau Energi Bersama
                              JULO                    PT Julo Teknologi Finansial




                                                                                                                                   Performance
                              MBL                     PT Mulia Bosco Logistik




                                                                                                                                     Portfolio
                              MDKA                    PT Merdeka Copper Gold Tbk.
                              MOMENTA                 PT Momenta Agrikultura (Amazing Farm)
   21.51%                     MPMX                    PT Mitra Pinasthika Mustika Tbk.
                              NRCA                    PT Nusa Raya Cipta Tbk.
                              PALM                    PT Provident Investasi Bersama Tbk. (Previously PT Provident Agro Tbk.)
                              SIHAYO                  Sihayo Gold Limited
                              SIRCLO                  Sirclo
                              TBIG                    PT Tower Bersama Infrastructure Tbk.
                              XURYA                   Xurya Daya Indonesia




                                                                                                                                   Company
                              ZAP                     PT Zulu Alpha Papa




                                                                                                                                    Profile
                                                                                                                                   Management Discussion
                                                                                                                                       and Analysis
CONSUMER                                    HEALTH CARE               RENEWABLE
                           PROPERTY                                                            DIGITAL           DIGITAL MEDIA
PRODUCT &      LOGISTICS                    & CONSUMER                 & GREEN
                           AND RENT                                                           STARTUP            & ADVERTISING
 SERVICES                                      HEALTH                 ECONOMY


   56.69%        62.90%       100%                   5.83%
                                                                                                                         CITY
   MPMX            MBL        BHA                 DELTOMED                XURYA                  SIRCLO
                                                                                                                        VISION     Governance
                                                                                                                                    Corporate

   27.50%
                                                                          FOREST
  MOMENTA                                             ZAP                                          FUSE
                                                                          CARBON




                                                                                                   JULO
                                                                                                                                   Corporate Social
                                                                                                                                    Responsibility




                                                                                                                                  33
Page 36
                                                                             Shareholders
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Information

                                                                             Shareholders of 5% or More

                                                                                                                                                 As of January 1, 2023                         As of December 31, 2023
                                                                                                                   Major    Controlling
                                                                                          Name
                                                                                                                Shareholder Shareholder Number of       Number of
                                                                                                                                                                              %
                                                                                                                                                                                       Number of        Number of
                                                                                                                                                                                                                             %
                                                                                                                                        Shareholders     Shares                       Shareholders       Shares

                                                                             5% or above
                                                                             PT Unitras Pertama                     √                              1 4,438,610,000           32.721             1     4,438,610,000      32.721

                                                                             Edwin Soeryadjaya                      √            √                 1 4,502,626,790           33.193             1     4,734,127,090    34.900

                                                                             Sandiaga Salahuddin Uno                √                              1   2,917,827,145         21.510             1      2,917,827,145     21.510

                                                                             Public (single shareholders with
                                                                                                                                              24,199   1,707,771,065         12.664      26,633        1,474,270,765     10.869
                                                                             less than 5% ownership)



                                                                             Shareholding by the Board of Commissioners

                                                                                                                                                            As of January 1, 2023                   As of December 31, 2023
                                                                                              Name                              Designation
                                                                                                                                                       Number of Shares           %            Number of Shares          %


                                                                             Edwin Soeryadjaya                       President Commissioner             4,502,626,790                 33.193        4,734,127,090      34.900

                                                                             Joyce Soeryadjaya Kerr                  Commissioner                                        -                 -                    -                -

                                                                             Indra Cahya Uno                         Commissioner                                        -                 -                    -                -

                                                                             Sidharta Utama                          Independent Commissioner                            -                 -                    -                -

                                                                             Anangga W. Roosdiono                    Independent Commissioner                                                                   -                -

                                                                             TOTAL                                                                      4,502,626,790             33.193        4,734,127,090          34.900



                                                                             Shareholding by the Board of Directors

                                                                                                                                                            As of January 1, 2023                   As of December 31, 2023
                                                                                              Name                              Designation
                                                                                                                                                       Number of Shares           %            Number of Shares          %
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             Michael W. P. Soeryadjaya               President Director                     4,005,800             0.0295               4,914,300       0.0362

                                                                             Lany D. Wong                            Director                               2,393,300             0.0176               4,901,900         0.0361

                                                                             Devin Wirawan                           Director                               4,064,200             0.0299               6,419,900       0.0473

                                                                             TOTAL                                                                         10,463,300                 0.077           16,236,100         0.1196




34
Page 37
Indirect Shareholding by the Board of Commissioners
and the Board of Directors




                                                                                                                                                                       Performance Snaphot:
                                                                                                                                                                       Demonstrating Value
                                                         Shareholders Registered in          As of January 1, 2023                 As of December 31, 2023
          Name                    Designation
                                                              Share Registar              Number of Shares          %           Number of Shares            %


Edwin Soeryadjaya              President             PT Unitras Pertama                     2,337,105,000          17.2291         2,226,885,000          16.4166
                               Commissioner          PT Pandu Dian Pertiwi
                                                     PT Trimitra Utama Selaras
Joyce Soeryadjaya Kerr Commissioner                  PT Unitras Pertama                     2,337,085,530          17.2289         2,225,210,580         16.4042
                                                     PT Pandu Dian Pertiwi




                                                                                                                                                                       Management
                                                     PT Trimitra Utama Selaras




                                                                                                                                                                         Report
Indra Cahya Uno                Commissioner          -                                                       -             -                         -           -
Sidharta Utama                 Independent           -                                                       -             -                         -           -
                               Commissioner
Anangga W. Roosdiono Independent                     -                                                       -             -                         -           -
                     Commissioner
Michael W. P.                  President Director -                                                       -                -                       -             -




                                                                                                                                                                       Performance
Soeryadjaya




                                                                                                                                                                         Portfolio
Lany D. Wong                   Director              -                                                       -             -                         -           -
Devin Wirawan                  Director              -                                                    -                -                       -             -

TOTAL                                                                                       4,674,190,530          34.458         4,452,095,580 32.8208


Shareholding by Ownership Status




                                                                                                                                                                       Company
                                                                  As of January 1, 2023                                 As of 31 December 31, 2023




                                                                                                                                                                        Profile
            Ownership Status                 Number of                                                   Number of
                                                                   Number of Shares          %                                 Number of Shares            %
                                            Shareholders                                                Shareholders

DOMESTIC SHAREHOLDERS
Local Individual                                 23,833                7,797,421,600       57.48261              26,361          8,263,011,650           60.91494
Cooperative                                                  1                113,000       0.00083                    2                  11,200         0.00008
Foundation                                                  5             2,697,400         0.01989                    4             2,754,600            0.02031
Pension Fund                                               45            37,376,600         0.27554                  42             32,261,000            0.23783




                                                                                                                                                                       Management Discussion
Insurance                                                  45          208,656,000           1.53821                 48            102,017,900            0.75208




                                                                                                                                                                           and Analysis
Limited Liability Company                                  71          4,815,700,845       35.50136                  78         4,603,620,764            33.93790
Mutual Funds                                               87           212,995,854          1.57021                 42           227,964,994             1.68056
Sub Total                                        24,087            13,074,961,299         96.38865               26,577        13,231,642,108            97.54370
FOREIGN SHAREHOLDERS
Foreign Individual                                         17             8,769,800         0.06465                  13                 703,100           0.00518
Foreign Institutions                                       98            481,103,901        3.54670                  48           332,489,792              2.45112
Sub Total                                                 115           489,873,701         3.61135                  61            333,192,892            2.45630
Total                                            24,202           13,564,835,000                 100             26,638        13,564,835,000                   100
                                                                                                                                                                       Governance
                                                                                                                                                                        Corporate




Share Listing Chronology
                                                                                                                                                                       Corporate Social
                                                                                                                                                                        Responsibility




                                                                                                                     Number of Shares
                                                            Nominal           Offering      Additional Shares
        Corporate Action              Listing Date                                                                    After Corporate                Remarks
                                                             Value             Price
                                                                                                                          Action

Initial Public Offering (IPO)       June 26, 2013                100          5,500           430,883,000              2,712,967,000          Listed on
                                                                                                                                              Indonesia
Stock Split                         May 19, 2021                 20                 -       10,851,868,000           13,564,835,000
                                                                                                                                              Stock
                                                                                                                                              Exchange




                                                                                                                                                                      35
Page 38
                                                                             Stock Highlights
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Stock Price and Trading Volume Movement in 2023


                                                                                   Closing share price (IDR)                                                                                                Transaction volume


                                                                              3,000                                                                                                                                      100,000,000


                                                                              2,700                                                                                                                                      90,000,000


                                                                              2,400                                                                                                                                      80,000,000


                                                                              2,100                                                                                                                                      70,000,000


                                                                              1,800                                                                                                                                      60,000,000


                                                                              1,500                                                                                                                                      50,000,000


                                                                              1,200                                                                                                                                      40,000,000


                                                                               900                                                                                                                                       30,000,000


                                                                               600                                                                                                                                       20,000,000


                                                                               300                                                                                                                                        10,000,000


                                                                                  0                                                                                                                                               0
                                                                                            Jan       Feb          Mar    Apr          May        Jun    Jul         Aug          Sep   Oct           Nov        Dec



                                                                             Quarterly Stock Performance

                                                                                                                                2023                                                            2022
                                                                                                        Q1               Q2              Q3             Q4                 Q1           Q2                  Q3              Q4
                                                                             Highest Price
                                                                                                             2,550            2,010            1,915         1,785              3,060     3,850               2,980           2,820
                                                                             (IDR)
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             Lowest Price
                                                                                                               1,900          1,535           1,555          1,420              2,600         2,610              2,140        2,350
                                                                             (IDR)
                                                                             Closing Price
                                                                                                               1,985          1,670           1,760          1,640              2,730         2,610           2,650           2,530
                                                                             (IDR)
                                                                             Average Daily
                                                                             Trading Volume
                                                                                                            14,953        19,737             16,912      15,430             12,423        18,931             18,546          14,808
                                                                             (in thousand
                                                                             shares)
                                                                             Outstanding
                                                                                                  13,564,835,000 13,564,835,000 13,564,835,000 13,564,835,000 13,564,835,000 13,564,835,000 13,564,835,000 13,564,835,000
                                                                             Shares
                                                                             Market
                                                                             Capitalization              26,926          22,653              23,874     22,246              37,032       35,404              35,947          34,319
                                                                             (billion Rupiah)




                                                                             Trading Suspension or Delisting
                                                                             In 2023, the Company did not delist its shares or experienced a stock trading halt or suspension.


                                                                             Other Securities Listing Chronology
                                                                             Until 2023, the Company did not list any other securities on domestic stock market or abroad.




36
Page 39
Our




                                                                                                                                                         Performance Snaphot:
                                                                                                                                                         Demonstrating Value
Subsidiaries

 NAME OF                PT Saratoga                PT Nugraha                PT Wahana          PT Bumi             PT Interra Indo
 SUBSIDIARY             Sentra Business            Eka Kencana               Anugerah Sejahtera Hijau Asri          Resources




                                                                                                                                                         Management
                        (SSB)                      (NEK)                     (WAS)              (BHA)               (IIR)




                                                                                                                                                           Report
Corresponding           Menara Karya 15th Fl.* Menara Karya 15th Fl.* Menara Karya 15th Fl.* Menara Karya 15th Fl.* Menara Karya 15th Fl.*
Address
Line of Business        Investment                 Investment                Investment                Investment                 Investment
Year of Establishment 2005                         2003                      2005                      2007                       2004
Year of Investment      2005                       2003                      2009                      2010                       2004
Effective Ownership     99.99%                     99.99%                    99.96%                    99.99%                     99.99%




                                                                                                                                                         Performance
Operational Status      Active                     Active                    Active                    Active                     Active




                                                                                                                                                           Portfolio
Total Assets            1,075                      1,695                     16,683                    132                        319
(in IDR billion)

 NAME OF                         PT Wana Bhakti Sukses PT Trimitra Karya Jaya                 PT Surya Nuansa Ceria          PT Lintas Indonesia
 SUBSIDIARY                      Mineral (WBSM)         (TKJ)                                 (SNC)                          Sejahtera (LIS)
Corresponding Address            Menara Karya 15th Fl.* Menara Karya 15th Fl.*                Menara Karya 15th Fl.*         Menara Karya 15th Fl.*
Line of Business                 Investment                    Investment                     Investment                     Investment
Year of Establishment            2007                          2012                           2015                           2018




                                                                                                                                                         Company
Year of Investment               2011                          2014                           2015                           2018




                                                                                                                                                          Profile
Effective Ownership              73.68%                        99.99%                         99.99%                         99.99%
Operational Status               Active                        Active                         Active                         Active
Total Assets                     3                             1                              373                            24
(in IDR billion)
* Menara Karya 15th floor Unit A-H, Jl. H.R. Rasuna Said Block X-5 Kav. 1-2, Kel. Kuningan Timur, Kec. Setiabudi, South Jakarta – 12950.




                                                                                                                                                         Management Discussion
Capital Market Supporting Institutions


                                                                                                                                                             and Analysis
and Professionals
PUBLIC ACCOUNTING FIRM                                        SHARE REGISTRAR                                       NOTARY
KAP Siddharta Widjaja & Rekan                                 PT Datindo Entrycom                                   Jose Dima Satria, S.H., M.Kn.
(a member of KPMG Global Network)
                                                              Jl. Hayam Wuruk No. 28                                Komplek Taman Gandaria
33rd Floor Wisma GKBI                                         Jakarta 10210, Indonesia                              No. 11 A Jakarta Selatan 12420
                                                                                                                                                         Governance
                                                                                                                                                          Corporate

Jl. Jend. Sudirman Kav. 28                                    T. (62-21) 350 8077 (Hunting)                         T. (62-21) 29125500
Jakarta 10210, Indonesia                                      F. (62-21) 350 8078
T. (62-21) 574 2333                                                                                                 Service:
F. (62-21) 574 1777                                           Basis of Appointment:                                 To prepare GMS minutes and
                                                              Deed of Share Administration                          Notarial Deed including its
Public Accountant                                             Management Agreement No. 54 dated                     submission to Ministry of Law and
Harry Widjaja, S.E., CPA                                      10 April 2013 made before Humberg Lie,                Human Rights.
                                                              S.H., S.E., M.Kn., Notary in Jakarta.                 Period: 2023
Basis of Appointment:
Circular Resolution in lieu of a Meeting of the Board         Service:                                              Fee: IDR55,500,000
of Commissioners dated October 10, 2023.                      To provide administration service for
                                                                                                                                                         Corporate Social




                                                              secondary market and responsible for
                                                                                                                                                          Responsibility




Service:                                                      the administration of shareholders list
To audit the Company’s financial statement for the            including changes in the shareholder list
financial year ending on December 31, 2023 and                on behalf of the Company.
other non-audit services to the Company.
                                                              Period: 2023
Period: 2023
                                                              Fee: IDR44,400,000
Fee: IDR4,500,000,000




                                                                                                                                                        37
Page 40
                                                                             Human
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Capital


                                                                                 SARATOGA IS AWARE OF THE IMPORTANCE OF ESTABLISHING A SOLID
                                                                                 TEAMWORK THAT WILL CONTRIBUTE TO THE OVERALL SUCCESS AND
                                                                                 PROGRESS OF THE COMPANY. WE CONTINUE BUILDING A SAME PERSPECTIVE
                                                                                 THAT PROMOTING THE SUCCESS OF HUMAN CAPITAL WILL LEAD TO A SOLID
                                                                                 AND PRODUCTIVE TEAMWORK, WHICH WILL BE ONE COMPETITIVE ADVANTAGE
                                                                                 FOR SARATOGA.



                                                                             We increase the productivity of our people by establishing a         We also provide equal and non-discriminatory opportunities
                                                                             vibrant work environment that appeals to young, bright and highly    for both male and female staffs to build their career path in the
                                                                             driven individuals. We challenge them to continuously learn, grow    Company, making Saratoga to be the preferred employer of
                                                                             and thrive across many sectors that Saratoga is invested in.         choice in Indonesia.




                                                                             Our Employee Demographic

                                                                             To sustain our business growth, Saratoga has attracted professional individuals to join its internal team. In 2023, we managed a total
                                                                             of 64 employees, consisting of 33 male and 31 female staffs. Below is the employee demographic in 2023 classified based on gender,
                                                                             employment status, organization level, educational background and age:

                                                                             Number of Employees by Gender
                                                                              Gender                                                                                                   2023                 2022

                                                                              Male                                                                                                        33                   29

                                                                              Female                                                                                                       31                  30

                                                                              Total                                                                                                       64                   59
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             Number of Employees by Employment Status

                                                                              Employment Status                                                                                        2023                 2022

                                                                              Permanent                                                                                                    61                  55

                                                                              Contract                                                                                                      3                   4

                                                                              Total                                                                                                       64                   59

                                                                             Number of Employees by Organization Level

                                                                              Organization Level                                                                                       2023                 2022

                                                                              Director                                                                                                      3                   3

                                                                              Manager & Supervisor                                                                                        36                   32

                                                                              Staff & Non-Staff                                                                                           25                   24

                                                                              Total                                                                                                       64                   59




38
Page 41
Number of Employees by Education




                                                                                                                                           Performance Snaphot:
                                                                                                                                           Demonstrating Value
 Education                                                                                                 2023                 2022

 Undergraduate or Higher                                                                                      48                    45

 Diploma                                                                                                        4                    5

 Others                                                                                                        12                    9

 Total                                                                                                        64                    59


Number of Employees by Age




                                                                                                                                           Management
                                                                                                                                             Report
 Age                                                                                                       2023                 2022

 >50                                                                                                           17                   16

 41-50                                                                                                         15                   14

 31-40                                                                                                        26                    24




                                                                                                                                           Performance
 ≤30                                                                                                            6                    5




                                                                                                                                             Portfolio
 Total                                                                                                        64                    59



2023 HR Strategies                                                    Training Program Initiatives

Every year we reiterate our commitment to be a value-generating       Considering the dynamic market trends that insist on the
company that contributes to the prosperity of all stakeholders,       professional competence of the staffs, the Company does not
including our people. Our commitment is guided by the                 hesitate to invest heavily in its human resource development.




                                                                                                                                           Company
                                                                                                                                            Profile
Company’s work ethos: Work Hard, Work Smart, Work Thoroughly          The development of human resources is expected to develop
and Work Wholeheartedly; and an undying devotion to being a           capabilities of our people in managing and scaling business
learning organization.                                                opportunities to achieve value creation with our investees.


Therefore, we believe that the best Human Resource (HR)               Saratoga has prepared some initiatives to improve the human
strategies linked to business strategies will be the key to our       resource quality, which are designed in line with the Company's
growth. In 2023, we have set priorities to support the efforts to     future development strategy. Our initiatives include giving
improve the capacity of our people.                                   opportunities for our managerial staffs to sign up for at least a




                                                                                                                                           Management Discussion
                                                                      training session per year, held in-house or externally, so as




                                                                                                                                               and Analysis
We were focusing on talent development programs and                   to enhance their skills and know-how. The Company then will
employee self-development, as well as training hours to sharpen       conduct an annual evaluation to review the effectiveness of the
the competence of our Human Resources. We have been                   training program to the Company’s productivity rate as well as to
encouraging all employees to continuously to learn, nurture           address competence gaps.
their skills, abilities and leadership, to prepare our people to be
adaptable and competent human resources.                              In 2023, we had spent IDR988 on employee development
                                                                      activities, which include trainings, workshops and seminars.
Also, as we were still in post-pandemic situation, we continued
to strive for creating an agile organization as well as a safe and    Below is the list of the number, scope and total man-hour of
comfortable working environment where employees can work              training programs that occurred in 2023:
                                                                                                                                           Governance

with passion and enthusiasm and develop their careers.
                                                                                                                                            Corporate




 Description                            Number of Workers who                Training Hours                Average Training Hours
                                          Received Training                                                     per Worker

 All Employees                                     56                            790.00                             14.11
 Based on Gender:
 • Male                                            31                            383.00                             12.35
 • Female                                          25                            407.00                             16.28
                                                                                                                                           Corporate Social
                                                                                                                                            Responsibility




 Based on Employee Position:
 • SEVP – VP                                       24                            276.50                             11.52
 • Manager & Supervisor                             11                           183.00                             16.64
 • Staff & Non-Staff                               21                            330.50                             15.74




                                                                                                                                          39
Page 42
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                             Executive Placement Program                                          Saratoga has also introduced significant upside adjustments to
                                                                                                                                                  its remuneration and reward policies, including increasing the
                                                                             Saratoga introduces an Executive Placement Program as an             fringe benefits provided to level-5 personnel and granting a car-
                                                                             approach that will bring benefits to Saratoga and the investee       ownership program at highly subsidized purchase price.
                                                                             companies. In the program, Saratoga’s executives will join in the
                                                                             investee companies under temporary assignments.                      Our survey on employee satisfaction of the remuneration
                                                                                                                                                  package conducted annually showed high satisfaction rate
                                                                             By occupying the position as the CFO, COO or even CEO in             among employees. Saratoga’s remuneration policy is considered
                                                                             the investee companies, they are challenged to the operations        at par with those of leading corporations in Indonesia, and well
                                                                             of investee companies while actively aligning the interests of       above the median range of wages paid by corporate Indonesia.
                                                                             Saratoga with those of the investee company. Their hands-on
                                                                             experience in these various companies will not only build up their   Employee Performance Evaluation
                                                                             professional but also managerial competence, will be helpful in
                                                                             running a successful business, bringing real value to the pool of    To identify competence gaps among employees, Saratoga
                                                                             talent that Saratoga carefully nurtures.                             conducts annual evaluation of employee performance. The
                                                                                                                                                  evaluation results are important to help Saratoga identifying
                                                                             The following is the list of executives under temporary              opportunities for learning and performance improvement and
                                                                             assignments in investee companies in 2023:                           finally help the employees to realize their full potentials.


                                                                                    Name                Position          Assigned Investee       Performance management process in 2023 involved managers
                                                                                                                              Company             and employees in which all parties provided feedback, a two-way
                                                                             Arif Qasimi Al       Chief Financial      Mulia Bosco Logistik       evaluation alongside formal coaching by the supervisor.
                                                                             Bone                 Officer
                                                                             Albert Saputro       President Director Merdeka Copper               Nurturing and Fostering the Implementation
                                                                             Kemal Mawira         Director             Mitra Pinasthika Mulia     of Corporate Cultures
                                                                             Ellie Turjandi       Advisor              MPM Insurance
                                                                                                                                                  Saratoga’s success today is believed to be able to a result of long-
                                                                             Christopher Song     Marketing Advisor Deltomed
                                                                                                                                                  term effort of nurturing and fostering its corporate cultures. To
                                                                             Oey                                    Laboratories & ZAP
                                                                                                                                                  build up the competitive advantages of the Company, Saratoga
                                                                                                                                                  also allows the investee company management teams to design
                                                                             Building a High-Quality Talent Management                            a culture that will represent its mission statement or vision
                                                                                                                                                  statement. The serious implementation of the corporate culture is
                                                                             Given the dynamic business landscape, the Company sees it is         expected to strengthen the accountability of the Saratoga and its
                                                                             important to build a high-quality talent management. Yet with        investee companies as well as to build a stronger synergy among
                                                                             the increasingly competitive labor market, Saratoga must take        ourselves to achieve the group’s vision and mission.
                                                                             one a step ahead of future talent needs and by focusing on the
                                                                             talent pool development, Saratoga will be well-informed on what
                                                                             candidates are available potential future positions.


                                                                             Then to retain our valuable talents, Saratoga is aware of their
                                                                             expectations and strive to meet them by providing alluring
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             benefits that extend beyond a salary, opportunities such as
                                                                             flexible work schedule, professional development activities, and
                                                                             career advancement.




40
Page 43
    Performance Snaphot:         Management     Portfolio   Company    Management Discussion    Corporate   Corporate Social
    Demonstrating Value            Report     Performance    Profile       and Analysis        Governance    Responsibility




                                                                                                                               41
         Management Discussion
         and Analysis
Chapter 05
Page 44
                                                                             Management Discussion
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             and Analysis

                                                                             We present the following discussion and analysis of our financial   Saratoga, an investment holding company with its primary
                                                                             condition and results of operations, which should be read in line   business in investing activities, derives the income from dividend
                                                                             with the Company’s audited consolidated financial statements        income, and net gain (loss) on realized (if any) as well as fair value
                                                                             and the related notes included elsewhere in this Annual Report.     measurement on its investments.


                                                                             Review of Operations

                                                                             Saratoga derives its revenue mainly from dividend and proceeds from divestment activities.


                                                                             Description (in IDR billion)                                                         2023                2022      Increase (decrease) %

                                                                              Net (loss) gain on investment in shares and other securities                       (13,811)             3,726                 (471%)
                                                                              Dividend, interest and investment income                                            2,808               2,613                    7%
                                                                              Other income                                                                            12                   5                 140%
                                                                              Changes in fair value of investment properties                                           7                  (2)               450%
                                                                              Reversal of impairment loss on receivables                                                -                 19               (100%)
                                                                              Operating expenses                                                                   (222)              (232)                   (4%)
                                                                              Other expenses                                                                         (21)               (25)                 (16%)
                                                                              Net gain (loss) on exchange rate differences                                            13                (82)                 116%
                                                                              Net gain on other derivative financial instruments                                        -                22                (100%)
                                                                              Interest expenses                                                                     (95)               (185)                (49%)
                                                                              (Loss) profit before tax                                                          (11,309)              5,859                (293%)
                                                                              Income tax benefit (expense)
                                                                              Current                                                                                 (3)                (15)               (80%)
                                                                              Deferred                                                                              1,161             (1,218)                195%
                                                                                                                                                                  1,158             (1,233)                 194%
                                                                              (Loss) profit for the year                                                         (10,151)             4,626                 (319%)
                                                                              Total other comprehensive income                                                       26                 (40)                 165%
                                                                              Total comprehensive (loss) income for the year                                    (10,125)              4,586                 (321%)
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                              (Loss) profit for the year attributable to:
                                                                              Owners of the Company                                                             (10,150)              4,616                (320%)
                                                                              Non-controlling interests                                                               (1)                 10                (110%)
                                                                                                                                                                (10,151)             4,626                 (319%)
                                                                              Total comprehensive (loss) income for the year attributable to:
                                                                              Owners of the Company                                                             (10,125)              4,587                 (321%)
                                                                              Non-controlling interests                                                                 -                 (1)                100%
                                                                                                                                                               (10,125)              4,586                 (321%)




42
Page 45
The Profit or Loss are driven by the performance of the two major components, they are:




                                                                                                                                              Performance Snaphot:
                                                                                                                                              Demonstrating Value
Net (Loss) Gain on Investment in Shares and Other Securities

As of the end of 2023, Saratoga booked IDR13,811 billion net loss on investment in shares and other securities, representing a
decrease compared to its 2022 performance at net gain of IDR3,726 billion. The figure was attributable to decrease in share prices
of PT Adaro Energy Indonesia Tbk. (ADRO) and PT Merdeka Copper Gold Tbk. (MDKA) amid commodity price volatility.


Below are the year-on-year (YOY) comparisons:




                                                                                                                                              Management
Fair Value Adjustment




                                                                                                                                                Report
                                                                                                                   Increase (decrease) %
Investee Companies (in IDR billion)                                                 2023              2022
                                                                                                                  Amount             %

 PT Adaro Energy Indonesia Tbk.                                                    (7,135)            7,768        (14,903)         (192%)
 PT Merdeka Copper Gold Tbk.                                                       (6,272)              792         (7,064)         (892%)
 PT Mitra Pinasthika Mustika Tbk.                                                    (177)              (63)           (114)          181%




                                                                                                                                              Performance
 PT Tower Bersama Infrastructure Tbk.                                                  99           (3,645)          3,744           103%




                                                                                                                                                Portfolio
 PT Provident Investasi Bersama Tbk.                                                   (14)           (559)            545           (97%)
 Others                                                                              (312)            (567)           (255)          (45%)
TOTAL                                                                             (13,811)           3,726         (17,537)         (471%)


Dividend and Interest Income

Dividend




                                                                                                                                              Company
                                                                                                                                               Profile
The long-term investment commitment to the investee companies has rewarded Saratoga with positive dividend income. Saratoga
booked a dividend income of IDR2,784 billion as of the end of 2023, representing an increase from IDR2,591 billion in 2022. The
dividend income was largely contributed by PT Adaro Energy Indonesia Tbk. (ADRO), PT Mitra Pinasthika Mustika Tbk. (MPMX) and PT
Tower Bersama Infrastructure Tbk. (TBIG). The details of Saratoga’s dividend income are as follows:


Dividend Income Breakdown
                                                                                                                   Increase (decrease) %
 Investee Companies (in IDR billion)                                                2023              2022




                                                                                                                                              Management Discussion
                                                                                                                  Amount             %

 PT Adaro Energy Indonesia Tbk.                                                     2,138             1,906          232             12%




                                                                                                                                                  and Analysis
 PT Mitra Pinasthika Mustika Tbk.                                                     342               455          (113)         (25%)
 PT Tower Bersama Infrastructure Tbk.                                                 289                76           213          280%
 PT Provident Investasi Bersama Tbk.                                                      -             137          (137)        (100%)
 Others                                                                                 15                17           (2)          (12%)
 TOTAL                                                                             2,784             2,591           193              7%




Operating Expenses                                                     Other Comprehensive Income
                                                                                                                                              Governance

Saratoga has been pursuing prudent and disciplined cost                There is no significant transaction to disclose in this section.
                                                                                                                                               Corporate


leadership to achieve operational efficiency. The strategy has led
the Company to book IDR222 billion of operating expenses, a            Total Comprehensive Income
slight decrease of 4% from IDR232 billion in 2022.                     There is no significant transaction to disclose in this section.


Net Loss for the Year
Saratoga recorded a net loss for the year amounting to IDR10,150
billion, a decrease from net profit of IDR4,616 billion in 2022. The
decrease was attributable to a lower unrealized mark-to-market
                                                                                                                                              Corporate Social
                                                                                                                                               Responsibility




value from listed portfolio amid the volatile equity market.




                                                                                                                                             43
Page 46
                                                                             Net Asset Valuation as of 31 December 2023 and 2022
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                                                                                          31 December 2023                                         31 December 2022




                                                                                                                                                                                                                                                    Change (IDR billion)
                                                                                                                                                (IDR full amount)




                                                                                                                                                                                                        (IDR full amount)
                                                                                                                    Market Price
                                                                                               Investment




                                                                                                                                                                                                                                                                           Change (%)
                                                                                                                                                                        (IDR billion)




                                                                                                                                                                                                                                  (IDR billion)
                                                                                                                                                Share price




                                                                                                                                                                                                        Share price
                                                                                                                                   Ownership




                                                                                                                                                                                            Ownership
                                                                                                                                                                        Valuation




                                                                                                                                                                                                                                  Valuation
                                                                                                                    Currency


                                                                                                                                   Effective




                                                                                                                                                                                            Effective
                                                                             INVESTMENT IN BLUE CHIP COMPANIES

                                                                             PT Tower Bersama Infrastructure Tbk.   IDR             31.5%               2,090           16,448               26.7%                  2,300          14,318           2,130                       15%

                                                                             PT Merdeka Copper Gold Tbk.            IDR             18.8%               2,700           12,238               18.3%                    4,120       18,223          (5,985)                  (33%)

                                                                             PT Adaro Energy Indonesia Tbk.         IDR             15.2%               2,380            11,557              15.2%                  3,850         18,692           (7,135)                 (38%)

                                                                             INVESTMENT IN GROWTH FOCUSED COMPANIES

                                                                             PT Mitra Pinasthika Mustika Tbk.       IDR             56.7%                1,050            2,657              56.7%                      1,120       2,834                   (177)              (6%)

                                                                             PT Provident Investasi Bersama Tbk.    IDR             19.9%                     625             884            19.9%                          635         899                        (15)        (2%)

                                                                             PT Samator Indo Gas Tbk.               IDR             10.0%                 1,520               466            10.0%                    1,940             595              (129)             (22%)

                                                                             Others                                                                                 -     2,229                                               -      1,804                    425           24 %

                                                                             INVESTMENT IN DIGITAL TECHNOLOGY ENTITIES

                                                                             Fuse B Holding Ltd., Julo Holdings,    USD              <10%       Cost and                      485             <10%       Cost and                        519                    (34)            (7%)
                                                                             Sirclo Pte., Ltd.                                                 Fair Value                                               Fair Value

                                                                             Fund investments and others            USD                        Fair Value                     692                       Cost, Book                       743                       (51)         (7%)
                                                                                                                                                                                                         Value and
                                                                                                                                                                                                         Fair Value

                                                                             OTHERS

                                                                             Investment in other shares and other                                                   -      1,460                                              -     2,992          (1,532)                  (51%)
                                                                             securities



                                                                             Sum of investee companies                                                                   49,116                                                    61,619         (12,503)                 (20%)

                                                                             -Debt                                                                                             930                                                     1,551                (621)           (40%)

                                                                             +Cash                                                                                             668                                                       863                (195)           (23%)

                                                                             Net Asset Value                                                                            48,854                                                    60,931          (12,077)                 (20%)

                                                                             Net Asset Value Per Share (IDR)                                                               3,601                                                    4,492               (891)              (20%)
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             BI MID RATE                                                          As of 31 December 2023                                                                  As of 31 December 2022

                                                                             USD IDR                                                                                                    15,416                                                                             15,731

                                                                             AUD IDR                                                                                                    10,565                                                                             10,581

                                                                             SGD IDR                                                                                                     11,712                                                                            11,659




44
Page 47
Consolidated Statements of Financial Position




                                                                                                                                                      Performance Snaphot:
                                                                                                                                                      Demonstrating Value
Consolidated Assets (IDR billion)
Description                                                                                      2023           2022        Increase (decrease) %

Cash and cash equivalents                                                                            665          863                    (23%)
Restricted cash                                                                                        3             1                   200%
Receivables, net                                                                                 1,130          1,248                      (9%)
Prepaid taxes                                                                                          3            2                     50%
Investment in shares                                                                          46,680           57,788                     (19%)




                                                                                                                                                      Management
                                                                                                                                                        Report
Investment in other securities                                                                  2,328           3,730                    (38%)
Investment properties                                                                                108           101                      7%
Derivative financial assets                                                                            -             7                  (100%)
Other assets                                                                                          28            31                    (10%)
Total assets                                                                                  50,945           63,771                    (20%)




                                                                                                                                                      Performance
Investment in Shares (IDR billion)




                                                                                                                                                        Portfolio
Description                                                                                      2023           2022        Increase (decrease) %

Listed Companies
PT Tower Bersama Infrastructure Tbk. (*)                                                       16,448           14,318                     15%
PT Merdeka Copper Gold Tbk.                                                                    12,238          18,223                    (33%)
PT Adaro Energy Indonesia Tbk. (**)                                                             11,557         18,692                    (38%)
PT Mitra Pinasthika Mustika Tbk.                                                                2,657           2,834                      (6%)




                                                                                                                                                      Company
                                                                                                                                                       Profile
PT Provident Investasi Bersama Tbk.                                                                  884          899                      (2%)
PT Samator Indo Gas Tbk.                                                                             466          595                    (22%)
PT Nusa Raya Cipta Tbk.                                                                               58           53                       9%
Sihayo Gold Plc, Australia                                                                            11             7                     57%
Interra Resources Limited, Singapore                                                                   -           28                   (100%)
Other listed entities                                                                                409          571                    (28%)




                                                                                                                                                      Management Discussion
Non-listed entities                                                                              1,952          1,568                      24%
Total                                                                                         46,680          57,788                     (19%)




                                                                                                                                                          and Analysis
(*) include indirect ownership through Bersama Digital Infrastructure Asia Pte. Ltd.
(**) include indirect ownership through PT Adaro Strategic Capital and PT Adaro Strategic Lestari.




Cash and Cash Equivalents & Restricted Cash                                    Investments in Shares and Other Securities
Our consolidated cash and cash equivalents comprise two                        Overall performance of our investment in shares and investment
components, i.e. cash in hand and in banks (third parties) both                in other securities indicated a decrease from those of the previous
in IDR, USD and SGD reflecting the cash holding in Saratoga                    year. The lower figure was attributed to the decrease in share
and its consolidated non-operating investment entities. As of 31               price of ADRO (from IDR3,850 to IDR2,380 per share) and MDKA
                                                                                                                                                      Governance

December 2023, Saratoga recorded cash and cash equivalents                     (from IDR4,120 to IDR2,700 per share).
                                                                                                                                                       Corporate


amounting to IDR665 billion, representing a decrease of 23% from
IDR863 billion at end of 2022, primarily due to loan repayments.


Receivables
Saratoga’s receivables are largely contributed by receivables from
investee companies and business partners as well as dividends
receivable. Saratoga may charge interest on investment related
receivable and from time to time may convert the receivables into
                                                                                                                                                      Corporate Social
                                                                                                                                                       Responsibility




stakes in the investee company. The duration of receivables from
third parties can be longer than a year as most of the receivables
are to start-up and/or early growing companies. At the end of 2023,
Saratoga booked a decrease in its receivables, primarily due to
decrease in the dividend receivables coming from PT Adaro Energy
Indonesia Tbk. amounting to IDR971 billion (vs IDR1,220 billion in
previous year). This receivable was fully received in January 2024.




                                                                                                                                                     45
Page 48
                                                                             Consolidated Liabilities (IDR billion)
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Description                                                                            2023              2022        Increase (decrease) %

                                                                              Other payables                                                                            6                17                    (65%)
                                                                              Income tax payables                                                                       2                14                    (86%)
                                                                              Other taxes payables                                                                       1                3                    (67%)
                                                                              Unearned revenue                                                                          2                 1                    100%
                                                                              Borrowings                                                                             926              1,544                    (40%)
                                                                              Deferred tax liabilities, net                                                         1,188            2,349                     (49%)
                                                                              Employee benefits liabilities                                                           32                 27                      19%
                                                                              Total Liabilities                                                                    2,157             3,955                     (45%)


                                                                             Saratoga recorded consolidated liabilities of IDR2,157 billion          Total Equity
                                                                             in 2023 from IDR3,955 billion in 2022, primarily driven by the          At the end of 2023, our equity (non-capital) stood at IDR48,709
                                                                             decrease in borrowings of IDR618 billion due to loan repayments         billion, representing a decrease of 18.6% from IDR59,815 billion
                                                                             and decrease in deferred tax liabilities of IDR1,161 billion due        in 2022. The equity performance was mainly driven by the
                                                                             to decrease in mark-to-market value of our indirect holding of          decline in investment value in shares and other securities, which
                                                                             PT Adaro Energy Indonesia Tbk.’s shares.                                consequently decreased net income for the year.




                                                                             Consolidated Equity (IDR billion)
                                                                             Description                                                                            2023              2022        Increase (decrease) %

                                                                             Share capital at par value IDR20 (whole IDR) per share, authorized                       271               271                         -
                                                                             capital 48,833,400,000 shares, issued and fully-paid capital
                                                                             13,564,835,000 shares
                                                                             Additional paid-in capital                                                             5,185             5,185                         -
                                                                             Treasury stocks                                                                          (18)             (28)                    (36%)
                                                                             Accumulated share-based payments                                                         29                 32                     (9%)
                                                                             Difference in translation of financial statements in foreign currency                    24                   -                   100%
                                                                             Other equity components                                                                  126               100                     26%
                                                                             Retained earnings                                                                    43,092            54,255                      (21%)
                                                                             Equity attributable to owners of the Company                                         48,709            59,815                     (19%)



                                                                             Consolidated Statements of Cash Flow

                                                                             Cash Flow from Operating Activities                                     Cash Flow from Investing Activities
                                                                             Saratoga’s cash flow from operating activities is largely               In 2023, Saratoga deployed total net cash flow of IDR891 million
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             contributed by dividends and divestment activities, while usage         for investing activity, a decrease of 36% from IDR1,401 million in
                                                                             is mostly allocated for investment in shares and other equity           2022.
                                                                             securities.
                                                                                                                                                     Cash Flow from Financing Activities
                                                                             Saratoga recorded dividend income (from cash flow perspective)          Net cash flow used for financing activities in 2023 amounted
                                                                             of IDR3,032 billion in 2023 compared to IDR2,149 billion in 2022.       to IDR1,611 billion from IDR3,386 billion in 2022, attributable to
                                                                             In addition, it recorded total proceeds from sale of investments        loan repayments of IDR1,708 billion and payment of dividend of
                                                                             in shares and other securities of IDR857 billion compared               IDR1,014 billion compensate with the proceed from bank loans of
                                                                             to IDR20,200 billion in 2022. As a result, the cash flow from           IDR1,118 billion.
                                                                             operating activity generated IDR1,408 billion.




46
Page 49
Collectability of the Receivables                                   2. Divestment




                                                                                                                                           Performance Snaphot:
                                                                                                                                           Demonstrating Value
                                                                       Divestment from the investment holdings has provided
Receivables from third parties will be payable if the investee         immediate cash flow to undertake repayments of some of the
company is able to gain self-funding for its operation.                borrowings.
                                                                    3. Fixed Income
Ability to Service Debt                                                Saratoga derives interest income from available liquidity
                                                                       deposited in banks. In 2023, the Company booked an interest
Saratoga has been pursuing a deleveraging strategy to                  income of IDR24 billion compared to IDR18 billion in 2022.
strengthen the balance sheet and repayment capabilities. As of 31
December 2023, Saratoga’s debt position was at IDR926 billion       Capital Structure and Management Policies




                                                                                                                                           Management
from IDR1,544 billion at end of 2022.                               Concerning Capital Structure




                                                                                                                                             Report
In order to service debt, Saratoga maintains several sources of     Given the characteristics of our business as an investment
cash flow:                                                          company, it is important for Saratoga to pursue a prudent capital
1. Dividend Income                                                  and debt management strategy in order to achieve maximum
    Saratoga’s dividend income stood at IDR2,784 billion, an        investment potential and manageable interest costs. At the end of
    increase of 7% from IDR2,591 billion in 2022. We present        2023, Saratoga’s Loan to Value was at 0.5% compared to 1% in




                                                                                                                                           Performance
    further details of the dividend income statement in the         2022. The decreasing figure was attributable to the decrease in




                                                                                                                                             Portfolio
    Revenue section.                                                borrowings.



Net Debt/Sum of Investee Company Value                              Loan maturity profile as of 31 December 2023
31 December 2023 (in IDR billion)                                   (in IDR billion)

LTV = 0.5%
(Loan to Value)
                                                                                                           385




                                                                                                                                           Company
                                                                                                                                            Profile
                                             49,116

                                                                                           300




                                                                          245




                                                                                                                                           Management Discussion
              263




                                                                                                                                               and Analysis
                                        Sum of investee                  2024             2025            2028
           Net Debt                     company value


Realization of Capital Goods Investment                             Business Prospects

Throughout 2023, as explained, there was no material capital        According to IMF, Indonesia economic growth is projected to grow
goods investments incurred.                                         by 5% in 2024 with private consumption as the primary driver
                                                                                                                                           Governance

                                                                    of growth. Business investment and public spending are also
                                                                                                                                            Corporate


Subsequent Events                                                   expected to pick up as a result of reforms and new government
                                                                    projects. Inflation is expected to ease to 3.2% in 2024, reflecting
1. On 18 January 2024, the Company entered into a loan              the softening in commodity prices and a return to normal rates
   agreement with PT Bank HSBC Indonesia for a loan facility        of growth in domestic demand after the post-pandemic bounce-
   of IDR500 billion and loan term of 5 years from the first        back.
   utilization date.
2. On 31 January 2024, the Company entered into a loan              With the above outlook in mind, Saratoga is optimistic about
   agreement with PT Bank Permata Tbk for a loan facility of        the investment environment of 2024 with stable economic
                                                                                                                                           Corporate Social
                                                                                                                                            Responsibility




   IDR700 billion and loan term of 5 years from the date of the     growth and declining inflation in Indonesia. We will continue to
   agreement.                                                       focus on the investment projects in the pipeline and approach
3. On 6 February 2024, the Company entered into a loan              each potential opportunity with utmost diligence and caution. In
   agreement with PT Bank DBS Indonesia for a loan facility         addition, a stable economic environment will be beneficial for all
   of IDR500 billion and loan term of 5 years from the first        our existing portfolio companies as well and our team will work
   utilization date.                                                closely with them to support them with business expansion and
                                                                    profitability growth in any way we can.




                                                                                                                                          47
Page 50
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Comparison Between Target/Projection at the                           Material Commitments for Capital Goods
                                                                             Beginning of the Year and Actual Results of                           Investment
                                                                             Operations
                                                                                                                                                   Given the characteristic of our business as an investment holding
                                                                             Given the business and economic uncertainties in 2023, Saratoga       company, Saratoga spent most of its capital expenditure in 2023
                                                                             has been cautious in deploying new investments and exploring          to support activities such as applications and office equipment.
                                                                             potential opportunities in various sectors such as renewable
                                                                             energy, digital infrastructure, and healthcare services. In 2023,     Marketing Aspects of the Company’s Products
                                                                             Saratoga screened over 124 opportunities and made one new             and Services
                                                                             investment. In terms of operating cost, Saratoga continues to
                                                                             maintain a highly efficient organizational structure in order to      Our business characteristic does not require marketing efforts since
                                                                             keep compensation and benefit expenses at a manageable level,         we do not produce products and services as our investee companies
                                                                             which is the largest portion of the operating expense. Another        do. At the investment holding company level, Saratoga provides
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             major expense, legal and consulting fees, is inherent in Saratoga’s   business guidance to help our investee companies to execute their
                                                                             nature of business, where financial consultants and lawyers           business plans in a measured, disciplined and optimal manner.
                                                                             are hired to perform due diligence on prospective investments
                                                                             and prepare legal documents in the investment and divestment          Dividend and Dividend Policy
                                                                             processes. In 2023, the total operating cost was IDR222 billion,
                                                                             which was in line with the budget for the year.                       Dividend Policy
                                                                                                                                                   Saratoga closely follows the Indonesian applicable laws and
                                                                             Target for 2024                                                       regulations in determining our dividend policy. Accordingly,
                                                                                                                                                   approval from our shareholders is required through the
                                                                             Saratoga continues to explore new opportunities and aims to           Annual General Meeting of Shareholders mechanism upon
                                                                             make new investments if and when the suitable opportunities           recommendation of the Company’s Board of Directors to take the
                                                                             arise. The team will focus on the aforementioned sectors and build    decision with regards to dividends. The Company’s policy allows
                                                                             a pipeline across both growth-stage and early-stage companies.        distribution of dividends in any year only if we have sufficient
                                                                                                                                                   profit and/or positive retained earnings. In the distribution of
                                                                                                                                                   interim dividends, the Articles of Association clearly states that
                                                                                                                                                   the decision shall be made with consideration of the Company’s
                                                                                                                                                   cash position and that it does not result in its net assets becoming
                                                                                                                                                   less than the total issued and paid-up capital and the compulsory
                                                                                                                                                   reserves as stipulated in the Law No. 40 Year 2007 concerning
                                                                                                                                                   Limited Liability Companies.




48
Page 51
                              Remarks                                                                 2023                               2022




                                                                                                                                                  Performance Snaphot:
                                                                                                                                                  Demonstrating Value
Total Cash Dividend                                                               IDR1,017,362,625,000                    IDR813,890,100,000

Dividend per Share                                                                                    IDR75                             IDR60

Dividend Announcement Date                                                                    15 May 2023                        21 April 2022

Dividend Payment Date                                                                         14 June 2023                        13 May 2022



Realization of the Use of Proceeds                                      Material Information on Investment,




                                                                                                                                                  Management
                                                                        Expansion, Divestment, Business Merger/




                                                                                                                                                    Report
As of 31 December 2023, we declared no remaining balance of             Consolidation, Acquisition, Capital/Debt
the proceeds from the Initial Public Offering. IPO proceeds are         Restructuring, Transactions with Affiliated
deployed as referred to the IPO prospectus.                             Parties, and Transactions Containing Conflict
                                                                        of Interests
Since Saratoga did not conduct any public offering in 2023, there
is no information disclosure regarding the use of proceeds from         In 2023, there were no material information and facts concerning




                                                                                                                                                  Performance
the public offering.                                                    investment, expansion, divestment, acquisition, and debt/capital




                                                                                                                                                    Portfolio
                                                                        restructuring, and transaction with conflict of interest.


                                                                        In 2023, we conducted affiliate transactions and disclosed
                                                                        the information as required by POJK No. 42/POJK.04/2020
                                                                        concerning the Affiliate Transactions and Transactions
                                                                        Containing Conflict of Interests. The nature of the transactions is
                                                                        further explained below:




                                                                                                                                                  Company
                                                                                                                                                   Profile
                                                                         Type of Affiliated     Object of Affiliated
Transaction Date          The Parties           Nature of Affiliation                                                     Transaction Value
                                                                           Transaction             Transaction

 1 May 2023        (i) the Company             The Company has          Ofiice Unit Lease       Office Unit            Less than 0.05% of the
                   (ii) PT Adaro Energy        the same Board of                                                       Company's equity as of
                        Indonesia ("ADRO")     Director with ADRO                                                      31 December 2022



The above affiliated transactions are disclosed in line with the        Changes in Financial Accounting Standards




                                                                                                                                                  Management Discussion
procedures as referred to in POJK 42 of 2020.                           with Impacts for the Company




                                                                                                                                                      and Analysis
The affiliate transactions mentioned above are business activities      Throughout 2023, there were no changes in financial accounting
performed in order to generate business income and are carried          standards with significant impact on the Company.
out routinely, repeatedly and/or continuously.


Changes in Regulations with Significant
Impact on the Company

In the course of 2023, the Company found no change in
regulations with significant impact on the Company’s overall
                                                                                                                                                  Governance

performance.
                                                                                                                                                   Corporate
                                                                                                                                                  Corporate Social
                                                                                                                                                   Responsibility




                                                                                                                                                 49
Page 52
                                                                                                                                    50
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report   Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation
Page 53
    Performance Snaphot:   Management     Portfolio   Company    Management Discussion    Corporate   Corporate Social
    Demonstrating Value      Report     Performance    Profile       and Analysis        Governance    Responsibility




                                                                                                                         51
         Governance
         Corporate
Chapter 06
Page 54
                                                                             Corporate
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Governance

                                                                             We are aware that the implementation of the best business practices     To realize such vision, we are determined to consistently internalize
                                                                             will not only benefit the Company but our shareholders and all          the GCG principles and best practices within the Company by:
                                                                             stakeholders as well. Therefore, we lay down the implementation         a. enforcing the corporate policies from Management through to
                                                                             of Good Corporate Governance (GCG) principles within the                    all rank-and-file;
                                                                             sustainability framework as part of our responsibilities to introduce   b. governing and controlling all corporate activities through a set
                                                                             continuous improvements so as to promote the organization                   of formal rules and clear mechanisms;
                                                                             accountability and protect the interests of our shareholders and        c. continuously enhancing management accountability to
                                                                             the stakeholders.                                                           shareholders;
                                                                                                                                                     d. establishing clear communications between the Company and
                                                                                                                                                         all stakeholders; and
                                                                                                                                                     e. ensuring regulatory compliance, including and primarily
                                                                                                                                                         pertaining to the rules and guidelines of the Financial Services
                                                                                                                                                         Authority (FSA) in Indonesia, and the Indonesia Stock Exchange
                                                                                                                                                         (IDX).




                                                                             Assessment of Corporate Governance
                                                                             Implementation

                                                                             To measure the effectiveness and the adequacy of the good               Criteria
                                                                             governance implementation and to ensure that it stays on track,
                                                                             we consistently monitor the implementation of the governance            Our self-assessment applies the criteria used in the ASEAN
                                                                             principal process and conduct a self-assessment against nationally      Corporate Governance Scorecard (ACGS), which cover: (1)
                                                                             and internationally recognized standards and criteria. We will use      shareholders’ rights; (2) equitable treatment of shareholders;
                                                                             the assessment results as the basis for helping us to determine         (3) role of stakeholders; (4) disclosure and transparency; and (5)
                                                                             the set of improvements and maturing our corporate governance           responsibilities of Board of Commissioners.
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             process implementation.
                                                                                                                                                     Results
                                                                             Governance Assessment and the Assessing
                                                                             Parties                                                                 In 2023, our self-assessment indicated that the Company’s
                                                                                                                                                     governance implementation scored 89.24 compared to 89.83
                                                                             We have been referring to the OECD’s GCG principles for                 in 2022, or above the average score of 80.10 for Big Cap public
                                                                             conducting the governance assessment. Then we engage the                companies or issuers (100 companies with the largest market
                                                                             Indonesian Institute for Corporate Directorship (IICD) as an            capitalization on the stock exchange), and was qualified as Good
                                                                             independent party to help us validate and provide us with the           or Level 3 (80-89.99). It was the fourth year for the Company to
                                                                             professional opinion on the quality of the assessment results.          achieve the level. The score not only defines the Company’s level
                                                                                                                                                     of compliance but also the positive impacts of the continuous
                                                                                                                                                     improvements we have committed to the organization, the
                                                                                                                                                     shareholders and all stakeholders.

                                                                                                                                                                                              Score
                                                                             Principle                                 Remarks
                                                                                                                                                                                  2023                    2022
                                                                             Principle A                               Shareholders’ Rights                                                 9.05                    9.52
                                                                             Principle B                               Equitable Treatment of Shareholders                                  8.46                    8.57
                                                                             Principle C                               Role of Stakeholders                                                13.85                   13.85




52
Page 55
                                                                                                                 Score
Principle                                Remarks




                                                                                                                                                  Performance Snaphot:
                                                                                                                                                  Demonstrating Value
                                                                                                    2023                         2022
Principle D                              Disclosure and Transparency                                         22.66                       22.66
Principle E                              Responsibilities of Board of Commissioners                          33.23                       33.23
Assessment of bonuses and              No bonus points or penalty points                    Obtained a bonus of Obtained a bonus of
penalties for CG practices carried out                                                      2 points and there is 2 points and there is
during the financial year                                                                             no penalty            no penalty
                                        Total                                                                89.24                       89.83




                                                                                                                                                  Management
                                                                                                                                                    Report
Roles of Organs of the Governance
Structure and Accountability




                                                                                                                                                  Performance
                                                                                                                                                    Portfolio
Saratoga’s accountability is defined through the establishment of      with respect to any proposed investment and divestment agenda
governance supporting organs, which serve different roles and          undertaken by the Company. Then to ensure the effectiveness
functions as governed in the Company’s Articles of Association,        of their duty performances relating to the growing scope and
and the prevailing laws and regulations. We have applied two-          complexity of Saratoga’s business, we will conduct annual
tier board in the governance structure, which separates the            assessments.
management and supervisory functions. The Board of Directors
(BoD) is the organ that is responsible for the management              In the meantime, the General Meeting of Shareholders (GMS) has




                                                                                                                                                  Company
                                                                                                                                                   Profile
function while the Board of Commissioners (BoC) serves as              a pivotal role in implementing the GCG effectively through its role
the organ that runs the supervisory function against the BoD.          as the organ that manages the Company’s shareholding. Through
While carrying out their respective functions in accordance with       GMS, the Company’s shareholders execute some of their rights,
prevailing regulations, each organ upholds independency and            including the rights to obtain the latest updates of the Company’s
integrity to its duty performance in the Company’s sole interest       business performances, to state their opinions or advice as well
and share responsibility for ensuring the sustainable future of the    as to agree or disagree on the proposed corporate agenda by
Company's business.                                                    the Company management. Any decision taken in the GMS must
                                                                       represent the long-term interest of the Company. All of the GMS




                                                                                                                                                  Management Discussion
While fulfilling its oversight responsibilities, the BoC takes         implementation mechanisms, including the decision-making




                                                                                                                                                      and Analysis
assistance from the Audit Committee and the Nomination and             process, are ruled in the Company’s Articles of Association,
Remuneration Committee. In the meantime, the BoD is assisted           and the prevailing laws and regulations. However, the GMS has
by an Investment Committee that is responsible for giving              not rights to intervene in the exercise of the duty, function and
professional and independent recommendations and opinions              authority of the BoC and/or the BoD.




                                                    GENERAL MEETING
                                                    OF SHAREHOLDERS

                                                                                                                                                  Governance
                                                                                                                                                   Corporate



              BOARD OF COMMISSIONERS                                                                        PRESIDENT
                                                                           BOARD OF DIRECTORS
                                                                                                            DIRECTOR




                              NOMINATION &                                    FINANCE           PORTFOLIO               INVESTMENT
              AUDIT                                 INVESTMENT
                              REMUNERATION                                    DIRECTOR           DIRECTOR                 DIRECTOR
            COMMITTEE                                COMMITTEE
                                COMMITTEE
                                                                                                                                                  Corporate Social
                                                                                                                                                   Responsibility




                                                                         LEGAL AND
                                                                         CORPORATE              HR & GA                   INTERNAL
                                                                         SECRETARY              DIVISION                AUDIT DIVISION
                                                                          DIVISION




                                                                                                                                                 53
Page 56
                                                                             Shareholders’
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Rights

                                                                             The implementation of governance principles with respect to            GMS also facilitates shareholders’ points of view and interests
                                                                             global standards is merely to protect the long-term prospect of        over important decisions, approves the direction that the
                                                                             the Company’s business continuation as well as to ensure the fair      Company takes in its best interests, while also taking into account
                                                                             treatment to our shareholders, including minority shareholders and     the provision of the Company’s Articles of Association as well as
                                                                             fulfil our responsibilities to other stakeholders so as to create a    all prevailing laws and regulations.
                                                                             sustainable corporate value. The Company shareholders are given
                                                                             fair access to corporate information and can execute their rights at   Beyond general meeting, we also engage our shareholders
                                                                             GMS where they may agree or disagree with the proposed agenda,         in investor presentation which is held on periodical basis and
                                                                             including to give approval to:                                         includes discussion over green initiatives taken by our investee
                                                                             a. remuneration or any increases in remuneration for board             companies.
                                                                                   members and/or key executives;
                                                                             b. nomination and election of board members;




                                                                             General Meeting
                                                                             of Shareholders (GMS)

                                                                             As stated in the Company’s Articles of Association as well as all         agenda item which requires shareholders’ approval in the
                                                                             prevailing laws and regulations, the Company conducts two types of        notice of AGMS/circulars and/or the accompanying statement;
                                                                             GMS, namely the Annual General Meeting of Shareholders (AGMS)          3. The Company gives the opportunity for shareholders to place
                                                                             and Extraordinary General Meeting of Shareholders (EGMS).                 item in the agenda of general meeting subject to a certain
                                                                                                                                                       percentage;
                                                                             At the Annual General Meeting of Shareholders (AGMS), which            4. The Company will appoint an independent party to count and/
                                                                             is held 6 (six) months at the latest since the end of the financial       or validate the votes at AGM;
                                                                             year, we facilitate shareholders to pass resolutions on matters        5. The Company makes publicly available next no later than 2
                                                                             relating to the Company’s business and operations, including the          (two) working day the result of votes taken during AGMS/EGMS;
                                                                             appointment and the dismissal of the Commissioners and Directors,      6. The Company provides equal opportunity to all shareholders or
                                                                             the approval of the Company’s Financial Statements and Annual             their proxies to ask question during the meeting.
                                                                             Report, the payment of dividends and distribution of profits, the
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             amount of the BoD’ and the BoC’ remuneration, the appointment          The Implementation of GMS in 2023
                                                                             of the independent auditor, and the delegation of authority to the
                                                                             Boards to follow up matters discussed and agreed at the AGMS.          On 15 May 2023, we conducted Annual GMS (AGMS) and
                                                                                                                                                    Extraordinary GMS (EGMS) all at once. As outlined in the Notarial
                                                                             GMS Procedures                                                         Deed of AGMS Minutes Meeting No. 75 and No. 76 dated 15
                                                                                                                                                    May 2023 both drawn-up before Jose Dima Satria, S.H., M.Kn., a
                                                                             1. The Company provides 21 days notice for all AGMS and EMGS;          Notary in Jakarta, the members of BoD and of BoC attending the
                                                                             2. The Company provides rationale and explanation for each             meetings were:



                                                                              Board of Commissioners            President Commissioner               : Edwin Soeryadjaya
                                                                                                                Commissioner                         : Joyce Soeryadjaya Kerr
                                                                                                                Commissioner                         : Indra Cahya Uno
                                                                                                                Independent Commissioner             : Sidharta Utama
                                                                                                                Independent Commissioner             : Anangga W. Roosdiono
                                                                              Board of Directors                President Director                   : Michael William P. Soeryadjaya
                                                                                                                Director                             : Lany Djuwita Wong
                                                                                                                Director                             : Devin Wirawan




54
Page 57
                                                                                                                                           Performance Snaphot:
                                                                                                                                           Demonstrating Value
                                                                                                                                           Management
                                                                                                                                             Report
                                                                                                                                           Performance
                                                                                                                                             Portfolio
                                                                                                                                           Company
                                                                                                                                            Profile
                                                                                                                                           Management Discussion
                                                                                                                                               and Analysis
To support the AGMS, the Company appointed the independent parties, consisting of Datindo Entrycom (Share Registrar), which was
represented by Esther Agung Setiawati, to administer the Company’s shares and Jose Dima Satria, S.H., M.Kn. (Notary) to help validating
the meeting resolutions and prepare the minutes of meetings.


Also, ahead of the implementation of the AGMS and EGMS, there were stages of preparation as required by the regulations:


Notice of GMS Agenda to Financial Service             28 March 2023
                                                                                                                                           Governance

Authority (FSA)
                                                                                                                                            Corporate



GMS Announcement to Shareholders                      4 April 2023
                                                      Through the Indonesian Stock Exchange’s website, the Company’s official
                                                      website, and website of KSEI as the provider of E-RUPS application.

GMS Invitation to Shareholders                        19 April 2023
                                                      Through the Indonesian Stock Exchange’s website, the Company’s website,
                                                      and website of KSEI as the provider of E-RUPS application.

GMS                                                  15 May 2023
                                                     Which started at 10.23 a.m. at Adaro Institute, Cyber Building 2, 26th Floor,
                                                                                                                                           Corporate Social
                                                                                                                                            Responsibility




                                                     Jl. HR Rasuna Said Block X-5 Kav. 13, Kuningan Timur, Setiabudi, South Jakarta.

Announcement of GMS Resolutions                      17 May 2023
                                                     Through the Indonesian Stock Exchange’s website, the Company’s website,
                                                     and KSEI’s website.

Submission of Deed of GMS Minutes to FSA             8 June 2023




                                                                                                                                          55
Page 58
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                                                                                        AGMS 2023
                                                                             The 2023 AGMS was attended by shareholders or proxy of shareholders of the Company with valid voting rights in the total of
                                                                             12,451,875,078 shares or equal to 92.13% of the issued shares of the Company after being deducted by the Company’s treasury
                                                                             shares. With the total shares represented at the meeting, the Company in accordance with Article 41 item (1) letter (a) of FSA
                                                                             Regulation No. 15/POJK.04/2020 concerning the Implementation of GMS of the Publicly Listed Companies and Article 12 Item (1)
                                                                             letter (a) and item (7) of the Company’s Articles of Association, met its quorum and was eligible to take legal binding resolutions.

                                                                             During the Meetings, GMS facilitated the shareholders and/or their proxies the opportunity to ask questions and/or provide opinions
                                                                             regarding the meeting agenda, but none of them raised questions and/or gave responses.

                                                                             The AGMS produced the following resolutions:

                                                                                                                                       FIRST AGENDA

                                                                             Approval on the Annual Report         1. Approve and accept the Company’s Annual Report for the financial year 2022, including
                                                                             for the financial year of 2022           the Supervisory Report of the Board of Commissioners of the Company, and ratify the
                                                                             and ratification on the Financial        Consolidated Financial Statements of the Company and its subsidiaries for financial year
                                                                             Statements of the Company for            ended as of December 31, 2022 that has been audited by Public Accountant Harry Widjaja,
                                                                             the financial year ending on 31          S.E., CPA of the Public Accounting Office of Siddharta Widjaja & Associates (a member
                                                                             December 2022 and granting               of global network KPMG) as described in its report No. 00045/2.1005/AU.1/05/1214-3/1/
                                                                             full acquittal and discharge             III/2023 dated March 10, 2023 with “Unqualified” opinion.
                                                                             (volledig acquit et de charge)        2. Upon the approval of the Company’s Annual Report for the financial year 2022 including
                                                                             to the members of the Board              the supervisory report of the Board of Commissioners of the Company, as well as the
                                                                             of Directors and the Board of            ratification of the consolidated financial statements of the Company and its Subsidiaries for
                                                                             Commissioners of the Company             the financial year ended on 31 December 2022, thus, granting the full release and acquittal
                                                                             for management and supervision           discharge (volledig acquit et de charge) to all members of the Board of Directors and the
                                                                             performed during the financial           Board of Commissioners of the Company from their management and supervisory duty
                                                                             year 2022.                               during the financial year 2022, as long as such actions are reflected in the Annual Report
                                                                                                                      and the Consolidated Financial Statements of the Company and its Subsidiaries for the
                                                                                                                      financial year ended on 31 December 2022 and is not a criminal offense or a breach of the
                                                                                                                      prevailing laws and regulations.
                                                                                                                                        Voting Results:
                                                                                          Approving shares                            Disapproving shares                          Abstained shares:
                                                                                   12,416,291,679 shares (99.71%)                124,000 shares (0.0009958%)                   35,459,399 shares (0.28%)
                                                                                                      Note: There was a shareholder who asked question upon the first meeting agenda.

                                                                                                                                      SECOND AGENDA

                                                                             Approval on the determination         1. Approve the use of current year profit attributed to the owners of the Company for the
                                                                             of the use of the Company’s net          2022 financial year in the amount of IDR4,616,367,000,000 (four trillion six hundred sixteen
                                                                             profit for the financial year 2022.      billion three hundred sixty seven million Rupiah), for the following matters:
                                                                                                                      a. A total of Rp5,000,000,000 (five billion Rupiah) is set aside as compulsory reserves of
                                                                                                                            the Company;
                                                                                                                      b. A total of IDR1,017,362,625,000 (one trillion seventeen billion three hundred sixty-two
                                                                                                                            million six hundred twenty-five thousand Rupiah) or IDR75 (seventy five Rupiah) per
                                                                                                                            share would be paid as final cash dividend to the shareholders of the Company; and
                                                                                                                      c. The remainder will be allocated to increase the Company’s retained earnings.
                                                                                                                   2. Approve the granting of power and authority to the Board of Directors to regulate the
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                                                      procedures for the payment of the final cash dividend, including but not limited to determine
                                                                                                                      the payment schedule, as well as to take all other necessary actions relating to the payment
                                                                                                                      of the final cash dividend with respect to the prevailing laws and regulations.
                                                                                                                                        Voting Results:
                                                                                         Approving shares                             Disapproving shares                           Abstained shares:
                                                                                   12,435,314,196 shares (99.86%)                124,000 shares (0.0009958%)                    16,436,882 shares (0.13%)
                                                                                                   Note: There was a shareholders who asked question upon the second meeting agenda.

                                                                                                                                       THIRD AGENDA

                                                                             Approval of the appointment of        Approve to authorize the Board of Commissioners of the Company to appoint Public
                                                                             a Public Accountant and Public        Accounting Firm and Public Accountant to audit the Financial Statement of the Company for
                                                                             Accounting Firm to audit the          the financial year ended on 31 December 2023 and other audits required of the Company
                                                                             Company’s Financial Statements        and determining the honorarium and other appointment requirements and authorize the Board
                                                                             for the financial year ended 31       of Commissioners of the Company to appoint a substitute Public Accounting Firm and Public
                                                                             December 2023.                        Accountant if the appointed Public Accountant is unable to carry out his duties for any reason,
                                                                                                                   by taking into account the recommendations from the Audit Committee.
                                                                                                                                       Voting Results:
                                                                                         Approving shares                            Disapproving shares                            Abstained shares:
                                                                                  12,381,665,659 shares (99.43%)                   53,771,737 shares (0.43%)                    16,437,682 shares (0.13%)
                                                                                                          Note: Shareholders did not asked question upon the third meeting agenda.




56
Page 59
                                                           AGMS 2023




                                                                                                                                           Performance Snaphot:
                                                                                                                                           Demonstrating Value
                                                         FOURTH AGENDA

 Approval on the determination        1. By taking into account the suggestions and opinions given by the Company’s Nomination
 of the salary, honorarium and           and Remuneration Committee, determining remuneration for all members of the
 allowances and other facilities         Board of Commissioners of the Company for the financial year 2023 of a maximum of
 for the members of the Board            IDR17,000,000,000 (seventeen billion Rupiah).
 of Directors and the Board of        2. Granting power and authority to the Board of Commissioners to determine the amount
 Commissioners for the financial         of salaries, bonuses and other allowances for members of the Board of Directors of the
 year 2023.                              Company with reference to the structure, policy and amount of remuneration of the Company
                                         for the financial year ended on 31 December 2023, by taking into account the suggestions




                                                                                                                                           Management
                                         and opinions given by the Company’s Nomination and Remuneration Committee.




                                                                                                                                             Report
                                                           Voting Results:
             Approving shares                            Disapproving shares                           Abstained shares:
       12,430,526,411 shares (99.82%)               124,400 shares (0.0009990%)                    21,224,267 shares (0.17%)
                            Note: Shareholders did not asked question upon the fourth meeting agenda.

                                                           FIFTH AGENDA




                                                                                                                                           Performance
 Reporting on the results of the      Since this is only a report, no resolution has been made in this Agenda.




                                                                                                                                             Portfolio
 Company’s Long Term Incentive
 Program

                             Note: Shareholders did not asked question upon the fifth meeting agenda.

All resolutions taken in 2023 AGMS were already realized in the financial year, including paying the final cash dividend to our
shareholders in timely and equitable manner.

The Company has assigned Jose Dimas Satria, S.H., M.Kn., a Notary in South Jakarta, to help validating the votes and write them down
in the Deed of Minutes Meeting of Annual General Meeting of Shareholders of PT Saratoga Investama Sedaya Tbk No. 75 dated 15




                                                                                                                                           Company
                                                                                                                                            Profile
May 2023.


                                                            EGMS 2023
 In the meantime, the 2023 EGMS was started at 11.12 a.m. on the same day the 2023 AGMS was held. Attending the meeting was
 a total of 12,449,818,678 shareholders or proxy of shareholders of the Company or equal to 92.11% of the issued shares of the
 Company after being deducted by the Company’s treasury shares. With the total shares represented at the meeting, the Company
 in accordance with Article 41 item (1) letter (a) of FSA Regulation No. 15/POJK.04/2020 concerning the Implementation of GMS of the
 Publicly Listed Companies and Article 12 Item (1) letter (a) and item (7) of the Company’s Articles of Association, met its quorum and




                                                                                                                                           Management Discussion
 was eligible to take legal binding resolutions.




                                                                                                                                               and Analysis
                                                           FIRST AGENDA

 Approval of the Company’s share      1. Approve the buyback of the Company’s shares with a maximum amount of 50,000,000
 buyback plan.                           (fifty million) shares or a maximum of zero point three-six percent (0.36%) of the issued and
                                         paid-up capital of the Company for a total cost of up to IDR150,000,000,000 (one hundred
                                         fifty billion Rupiah).
                                      2. Approve the granting of authority and power to the Board of Directors of the Company,
                                         both collectively and individually, to take all action necessary in implementing the
                                         resolutions of this Meeting, including determining the requirements for the implementation
                                         of the Company’s share buyback with due observance to the provisions and regulations of
                                         prevailing laws and regulations, to restate the composition of the Company’s shareholders,
                                         to appears and/or present before the competent authorities and/or Notary Public to sign
                                                                                                                                           Governance


                                         the necessary deed(s), to give information, to enter into and sign all required documents,
                                                                                                                                            Corporate


                                         and to take any and all actions as deemed necessary, without any exceptions.
                                                           Voting Results:
              Approving shares                          Disapproving shares                           Abstained shares:
       12,247,475,350 shares (98.37%)                 197,510,043 shares (1.58%)                   4,833,285 shares (0.03%)
                     Note: Shareholders did not ask question or give any opinions on the first meeting agenda.
                                                                                                                                           Corporate Social
                                                                                                                                            Responsibility




                                                                                                                                          57
Page 60
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                                                                                       SECOND AGENDA

                                                                              Approval of the use of Company’s      1. Approve to allocate a maximum 23,000,000 (twenty three million) of treasury shares
                                                                              treasury shares for Long Term            derived from the Company’s share buyback to be distributed to the Company’s employees
                                                                              Incentive    Program     of  the         in 2023 as an implementation of the Long Term Incentive Program of the Company.
                                                                              Company.                              2. Approve the granting of authority and power to the Board of Directors of the Company
                                                                                                                       to take any actions and/or carry out any dealings as necessary and/ or required to realize
                                                                                                                       the implementation of the Long Term Incentive Program, in accordance with the prevailing
                                                                                                                       statutory regulations.
                                                                                                                                         Voting Results:
                                                                                           Approving shares                           Disapproving shares                           Abstained shares:
                                                                                     12,218,010,513 shares (98.13%)                 231,761,465 shares (1.86%)                 46,700 shares (0.0003751%)
                                                                                                 Note: Shareholders did not ask question or give any opinions on the second meeting agenda.


                                                                             The Company has assigned Jose Dimas Satria, S.H., M.Kn., a            GMS Convened in 2022
                                                                             Notary in South Jakarta, to help validating the votes and write
                                                                             them down in the Deed of Minutes Meeting of Extraordinary             On 21 April 2022, the Company conducted Annual GMS (AGMS)
                                                                             General Meeting of Shareholders of PT Saratoga Investama              and Extraordinary GMS (EGMS) upon which all resolutions of each
                                                                             Sedaya Tbk No. 76 dated 15 May 2023.                                  GMS were fully implemented.


                                                                                                                                                   The Company appointed Datindo Entrycom (Share Registrar) and
                                                                                                                                                   Jose Dima Satria, S.H., M.Kn. (Notary) as the independent parties
                                                                                                                                                   that supported the AGMS and EGMS.

                                                                             Below are the implementation stages of the AGMS and EGMS in 2022:


                                                                             Notice of GMS Agenda to FSA                            8 March 2022

                                                                             GMS Announcement                                       15 March 2022
                                                                                                                                    Through the Indonesian Stock Exchange’s website, the Company’s website,
                                                                                                                                    and KSEI’s website.

                                                                             GMS Invitation                                         30 March 2022
                                                                                                                                    Through the Indonesian Stock Exchange’s website, the Company’s website,
                                                                                                                                    and KSEI’s website.

                                                                             GMS                                                    21 April 2022
                                                                                                                                    At Menara Karya 17th Floor, Jl. HR Rasuna Said Block X-5 Kav. 1-2, Kuningan
                                                                                                                                    Timur, Setiabudi, South Jakarta.

                                                                             Announcement of GMS Resolutions                        22 April 2022
                                                                                                                                    Through the Indonesian Stock Exchange’s website, the Company’s website,
                                                                                                                                    and KSEI’s website.

                                                                             Submission of Deed of GMS Minutes to FSA               18 May 2022
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             The Implementation of AGMS and EGMS in
                                                                             2022
                                                                             The AGMS was attended by valid shareholders or proxy of               During the Meetings, Shareholders and/or their proxies are
                                                                             shareholders of the Company in the total of 12,603,950,645            given the opportunity to ask questions and/or provide opinions
                                                                             shares or equal to 93.38% of the issued shares of the Company         regarding the agenda of the Meeting, but none of them raised
                                                                             after being deducted by the shares that have been bought back         questions and/or gave responses.
                                                                             by the Company in the total of 67,572,500 (sixty-seven million five
                                                                             hundred seventy-two thousand five hundred) shares. Meanwhile,         The AGMS and EGMS have been recorded in the Deed of Minutes
                                                                             the EGMS was attended by valid shareholders or proxy of               of Annual GMS of PT Saratoga Investama Sedaya Tbk. No. 161 and
                                                                             shareholders of the Company in the total of 12,602,396,045            No. 162, respectively, dated 21 April 2022 made by Notary Jose
                                                                             shares or equal to 93.37% of the issued shares of the Company         Dima Satria S.H., M.Kn.
                                                                             after being deducted by the shares that have been bought back
                                                                             by the Company in the total of 67,572,500 (sixty-seven million five   The resolutions of the AGMS and EGMS are as follow:
                                                                             hundred seventy-two thousand five hundred) shares.


                                                                             The AGMS and EGMS were also attended by all members of the
                                                                             BoC and the BoD, except Joyce Soeryadjaya Kerr (Commissioner).




58
Page 61
                                                           AGMS 2022




                                                                                                                                          Performance Snaphot:
                                                                                                                                          Demonstrating Value
                                                          FIRST AGENDA

Approval on the Annual Report         1. Approve and accept the Company’s Annual Report for the financial year 2021, including
for the financial year of 2021           the Supervisory Report of the Board of Commissioners of the Company, and ratifying the
and ratification on the Financial        Consolidated Financial Statements of the company and its subsidiaries for financial year
Statements of the Company for            ended as of December 31, 2021 that has been audited by Public Accountant Harry Widjaja,
the financial year ended on 31           S.E., CPA of the Public Accounting office Siddharta Widjaja & Associates (a member of
December 2021 and granting               global network KPMG) as described in its report No. 00039/2.1005/AU.1/05/1214-2/III/2022
of full release and discharge            dated March 10, 2022 with “Unqualified” opinion.
(volledig acquit et de charge)        2. Upon the approval of the Company’s Annual Report for the financial year 2021 including




                                                                                                                                          Management
to the members of the Board              the supervisory report of the Board of Commissioners of the Company, as well as the




                                                                                                                                            Report
of Directors and the Board of            ratification of the consolidated financial statements of the Company and its Subsidiaries for
Commissioners of the Company             the financial year ended on 31 December 2021, thus, granting the full release and acquittal
for management and supervisory           discharge (volledig acquit et de charge) to all members of the Board of Directors and the
actions performed during 2021.           Board of Commissioners of the Company from their management and supervisory duty
                                         during the financial year 2021, as long as such actions are reflected in the Annual Report
                                         and the Consolidated Financial Statements of the Company and its Subsidiaries for the
                                         financial year ended on 31 December 2021 and is not a criminal offense or a breach of the
                                         prevailing laws and regulations.




                                                                                                                                          Performance
                                                                                                                                            Portfolio
                                                         SECOND AGENDA

Approval on the determination         1. Approve the use of current year profit attributed to the owners of the Company for the 2021
of the use of the Company’s net          financial year in the amount of IDR24,889,900,000,000 (twenty four trillion eight hundred
profit for the financial year 2021.      eighty eight billion nine hundred million Rupiah), for the following matters:
                                         a. A total of IDR5,000,000,000 (five billion Rupiah) is set aside as compulsory reserves
                                             of the Company;
                                         b. A total of IDR813,890,100,000 (eight hundred thirteen billion eight hundred ninety
                                             million one hundred thousand Rupiah) or IDR60 (sixty Rupiah) per share will be paid as
                                             final cash dividend to the shareholders of the Company; and




                                                                                                                                          Company
                                                                                                                                           Profile
                                         c. The remainder will be allocated to increase the Company’s Retained earnings.
                                      2. Approve the granting of power and authority to the Board of Directors to regulate
                                         the procedures for the payment of the final cash dividend, including but not limited
                                         to determining the payment schedule, as well as to take all other necessary actions in
                                         connection with the payment of the final cash dividend in accordance with the prevailing
                                         laws and regulations.

                                                          THIRD AGENDA

Approval of the appointment of        Approve to authorize the Board of Commissioners of the Company to appoint Public




                                                                                                                                          Management Discussion
a Public Accountant and Public        Accounting Firm and Public Accountant to audit the Financial Statement of the Company for
Accounting Firm to audit the          the financial year ended on 31 December 2022 and other audits required of the Company




                                                                                                                                              and Analysis
Company’s Financial Statements        and determining the honorarium and other appointment requirements and authorize the Board
for the financial year ended 31       of Commissioners of the Company to appoint a substitute Public Accounting Firm and Public
December 2022.                        Accountant if the appointed Public Accountant is unable to carry out his duties for any reason,
                                      by taking into account the recommendations from the Audit Committee.

                                                         FOURTH AGENDA

Approval on the determination         1. By taking into account the suggestions and opinions given by the Company’s Nomination
of the salary, honorarium and            and Remuneration Committee, determining remuneration for all members of the
allowances and other facilities          Board of Commissioners of the Company for the financial year 2022 of a maximum of
for the members of the Board             IDR15,000,000,000.00 (fifteen billion Rupiah).
of Directors and the Board of         2. Granting power and authority to the Board of Commissioners to determine the amount of
                                                                                                                                          Governance


Commissioners for the financial          salary, bonus and other allowances for members of the Board of Directors of the Company
                                                                                                                                           Corporate


year 2022.                               in accordance with the structure, policy and amount of remuneration of the Company for
                                         the financial year ended on 31 December 2022, by taking into account the suggestions and
                                         opinions given by the Company’s Nomination and Remuneration Committee.
                                                                                                                                          Corporate Social
                                                                                                                                           Responsibility




                                                                                                                                         59
Page 62
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                                                                                      AGMS 2022
                                                                                                                                     FIFTH AGENDA

                                                                              Approval on the re-appointment     1. Approve the expiration of the term of office of members of the Board of Directors and Board
                                                                              of all members of the Board           of Commissioners of the Company as of the closing of the Meeting.
                                                                              of Directors and Board of          2. Approve on re-appointment all members of the Board of Directors and Board of
                                                                              Commissioners of the Company,         Commissioners of the Company as of the closing of the Annual General Meeting of
                                                                              as of the closing of the Annual       Shareholders of 2022 until expiration of the period of term of office of members of the
                                                                              General Meeting of Shareholders       Board of Directors and Board of Commissioners of the Company in the closing of the
                                                                              of 2022 until the closing of the      Annual General Meeting of Shareholders of 2025 with composition as follows:
                                                                              Annual General Meeting of             President Director             : Michael William P. Soeryadjaya
                                                                              Shareholders of 2025.                 Director                       : Lany Djuwita Wong
                                                                                                                    Director                       : Devin Wirawan

                                                                                                                    President Commissioner         : Edwin Soeryadjaya
                                                                                                                    Commissioner                   : Joyce Soeryadjaya Kerr
                                                                                                                    Commissioner                   : Indra Cahya Uno
                                                                                                                    Independent Commissioner : Sidharta Utama
                                                                                                                    Independent Commissioner : Anangga W. Roosdiono
                                                                                                                 3. Approve to appoint and authorized with the substitution rights the Board of Directors of the
                                                                                                                    Company to take all actions related to the Meeting Resolutions, including without limitation
                                                                                                                    to appear before the authorities discussion, asking for information, giving and/or submitting
                                                                                                                    notification on conduct re-appointment of composition of the Company’s Board of Directors
                                                                                                                    and Board of Commissioners to the Minister of Law and Human Rights of the Republic of
                                                                                                                    Indonesia as well as other related competent institutions, drawing up and/or signing deeds
                                                                                                                    and letters or other documents that are required or deemed necessary, appearing before a
                                                                                                                    Notary the deed of declaration of Meeting resolutions of the Company to make and to sign
                                                                                                                    and doing other matters that shall and/or may be done to realize the Meeting Resolutions.

                                                                                                                                     SIXTH AGENDA

                                                                              Reporting on the implementation    Since this is only a report, no resolution has been made in this Agenda.
                                                                              results of Long Term Incentive
                                                                              Program of the Company.



                                                                                                                                      EGMS 2022
                                                                                                                                     FIRST AGENDA

                                                                              Approval on the Company’s          1. Approve the buyback of the Company’s shares with a maximum amount of 45,000,000
                                                                              shares buyback plan.                  (forty five million) shares or a maximum of 0.33% (zero point three-three percent) of the
                                                                                                                    issued and paid-up capital of the Company for a total cost of up to IDR150,000,000,000
                                                                                                                    (one hundred fifty billion Rupiah).
                                                                                                                 2. Approve the granting of authority and power to the Board of Directors of the Company,
                                                                                                                    both collectively and individually, to take all action necessary in implementing the
                                                                                                                    resolutions of this Meeting, including determining the requirements for the implementation
                                                                                                                    of the Company’s share buyback with due observance to the provisions and regulations of
                                                                                                                    prevailing laws and regulations, to restate the composition of the Company’s shareholders,
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                                                    to appears and/or present before the competent authorities and/or Notary Public to sign
                                                                                                                    the necessary deed(s), to give information, to enter into and sign all required documents,
                                                                                                                    and to take any and all actions as deemed necessary, without any exceptions.

                                                                                                                                    SECOND AGENDA

                                                                              Approval of the use of Company’s   1. Approve to allocate up to 20,000,000 (twenty million) shares for distribution to the
                                                                              treasury shares for Long Term         Company’s employees in 2022 as implementation of the Long-Term Incentive Program of
                                                                              Incentive    Program     of  the      the Company.
                                                                              Company.                           2. Approve the granting of authority and power to the Board of Directors of the Company
                                                                                                                    to take any actions and/or carry out any dealings as necessary and/ or required to realize
                                                                                                                    the implementation of the Long-Term Incentive Program, in accordance with the prevailing
                                                                                                                    statutory regulations.

                                                                             The Company ensured that resolutions taken in both AGMS and EGMS convened in 2022 and 2023, respectively, have all been
                                                                             realized in the relevant financial years.




60
Page 63
The Board of




                                                                                                                                               Performance Snaphot:
                                                                                                                                               Demonstrating Value
Commissioners

As stipulated in the Company’s Articles of Association and the       Name                       Designation                    Period
prevailing rules and regulations, Board of Commissioners (BoC)       Edwin Soeryadjaya    President                         2022-2025




                                                                                                                                               Management
serves the role of being the supervisory organ and is also                                Commissioner




                                                                                                                                                 Report
responsible for providing advice to the BOD’s management policy      Joyce S. Kerr        Commissioner                      2022-2025
in the interest of the Company so as to ensure that the Company      Indra Cahya Uno      Commissioner                      2022-2025
is managed in accordance with the corporate vision, mission and      Sidharta Utama       Independent                       2022-2025
objectives. The Company’s Articles of Association also states                             Commissioner
that our BoC shall be authorized to give consent to certain legal    Anangga W. Roosdiono Independent                       2022-2025
                                                                                          Commissioner
actions taken by the BoD.




                                                                                                                                               Performance
                                                                                                                                                 Portfolio
The BoC also may engage external expert consultants to help          The aforementioned BoC composition has met the requirements
it providing advice and recommendations with regards to              as specified in the Company’s Articles of Association and the
the functioning of the BoC and the BoC’s committees at the           prevailing regulations of the capital market, as well as international
Company’s expenses.                                                  best-practice guidelines and recommendations. Its composition is
                                                                     also deemed adequate to carry out an effective supervisory task
Charter of the Board of Commissioners                                against the management policies, the general management of the
                                                                     Company and the Company’s regulatory compliance.
Our BoC is guided with BoC Charter in performing its supervisory




                                                                                                                                               Company
                                                                                                                                                Profile
duties and responsibilities as well as authorities objectively and   A brief profile of each member of the BoC is already disclosed in
effectively against the Company’s values and in compliance           the Profile of the BoC section of the 2023 Annual Report.
with the principles and rules of GCG. Serving as the basis for
the evaluation on each member's performance, the BoC will            Meetings of the Board of Commissioners
conduct periodical review over the substance of the BoC Charter
and recommend some revisions, if appropriate, to ensure its          The BoC Charter stipulates that our BoC shall meet for at least
consistency with regulatory changes and/or developments              6 (six) times a year or at any time deemed necessary by one or
in Saratoga’s business. The BoC charter is available on the          more member(s) of the BoD, pursuant to a written request by one




                                                                                                                                               Management Discussion
Company’s website.                                                   or more members of the BoC or based on a written request by one




                                                                                                                                                   and Analysis
                                                                     or more shareholders jointly representing 1/10 (one tenth) of the
Structure and Membership of the Board of                             total number of shares with legal voting rights. The agenda and
Commissioners                                                        materials to discuss at the BoC meetings shall be circulated to the
                                                                     meeting participants 5 (five) days prior to the meeting at the latest.
Being held accountable to GMS that has rights to appoint and
dismiss its members, the Company’s BoC as of December                At BoC meetings, President Commissioner shall chair the meeting.
31, 2023, consisted of five members, of which one served as          Yet in the absence or inability of the President Commissioner
the President Commissioner who would be responsible for              to attend a BoC meeting, where it is unnecessary to state the
coordinating the whole oversight tasks of the BoC and ensuring       reasons for his absence to the third parties, the meeting will be
the implementation of BoC meetings. The BoC members shall            chaired by members of the BoC who are specially appointed in
                                                                                                                                               Governance

serve the office since the date of their appointment by GMS until    writing by the President Commissioner.
                                                                                                                                                Corporate


the closing of the third AGMS after their appointment, without due
respect to the GMS’ right to dismiss them at any time.               The BOC meetings will discuss several issues, including things that
                                                                     require Board of Commissioners’ approval, such as the significant
In the meantime, our Independent Commissioners represented           corporate agenda and the related-party transactions. Our Board
40% of total BoC members, thus meeting the independency              of Commissioners is required to ensure that the transactions are
criteria as specified in FSA Regulation No. 33/POJK.04/2014          conducted with proper management of conflict of interests and
concerning the BoD and the BoC of an Issuer or a Public Company.     in the best interests of the company and the shareholders. The
The Company’s Independent Commissioners had also submitted           Board of Commissioners needs to ensure that each related-party
                                                                                                                                               Corporate Social
                                                                                                                                                Responsibility




their independence statements on 21 March 2022.                      transaction is conducted with respect to arms-length principle
                                                                     and at market price.
Below is the membership structure of the BoC as of December
31, 2023:                                                            The quorum of a BoC meeting which allows it to take legal binding
                                                                     resolutions is when the meeting is attended by more than ½ (one
                                                                     half) of the number of the Board members who are present or
                                                                     represented at the meeting.




                                                                                                                                              61
Page 64
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                             In addition, the BoC shall also invite BoD members to a joint       In 2023, the BoC members have met for 7 internal meetings
                                                                             meeting periodically or at least once every 4 (four) months or at   and convened 5 joint meetings with our BoD members. The
                                                                             any time deemed necessary by the BoC. There are some requests       attendance rate at each of the BoC meetings is reported below:
                                                                             to hold a joint meeting with our BoD members subsequently after
                                                                             the implementation of a BoC meeting to keep the BoC updated
                                                                             with the Company’s progress.



                                                                             Internal Meeting of the Board of Commissioners

                                                                             Name                                 Designation                        Number of Meetings          Attendance            %

                                                                             Edwin Soeryadjaya                    President Commissioner                          7                    7              100

                                                                             Joyce S. Kerr                        Commissioner                                    7                    7              100

                                                                             Indra Cahya Uno                      Commissioner                                    7                    7              100

                                                                             Sidharta Utama                       Independent Commissioner                        7                    7              100

                                                                             Anangga W. Roosdiono                 Independent Commissioner                        7                    7              100

                                                                             Joint Meeting with the Board of Directors

                                                                             Name                                 Designation                        Number of Meetings          Attendance            %

                                                                             Edwin Soeryadjaya                    President Commissioner                          5                    5              100

                                                                             Joyce S. Kerr                        Commissioner                                    5                    5              100

                                                                             Indra Cahya Uno                      Commissioner                                    5                    5              100

                                                                             Sidharta Utama                       Independent Commissioner                        5                    5              100

                                                                             Anangga W. Roosdiono                 Independent Commissioner                        5                    5              100

                                                                             Attendance Rate of the Board of Commissioners at GMS

                                                                             Name                                 Designation                        Number of Meetings          Attendance            %

                                                                             Edwin Soeryadjaya                    President Commissioner                          2                    2              100

                                                                             Joyce S. Kerr                        Commissioner                                    2                    2              100

                                                                             Indra Cahya Uno                      Commissioner                                    2                    2              100

                                                                             Sidharta Utama                       Independent Commissioner                        2                    2              100

                                                                             Anangga W. Roosdiono                 Independent Commissioner                        2                    2              100
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             Report on Duty Implementation of the Board                          4. Assessing the performances of the BoD, BoC, the Audit
                                                                             of Commissioners                                                       Committee, and the Nomination and Remuneration
                                                                                                                                                    Committee for the year 2023.
                                                                             As part of its duty implementation, our BoC in 2023 have            5. Conducting reviews and giving approval to the Company’s
                                                                             performed the following activities:                                    2023 annual budget proposed by the BoD.
                                                                             1. Conducting regular reviews and discussions regarding the         6. Conducting periodical reviews, providing recommendations
                                                                                 activities and recommendations as well as professional             and advice to the BoD regarding the investment activities,
                                                                                 opinions from the Audit Committee and Nomination and               financial and operational performance of the Company.
                                                                                 Remuneration Committee.                                         7. Monitoring the quality of the Company’s corporate governance
                                                                             2. Assessing the Company’s business strategies, main action            practices and suggesting some recommendations where
                                                                                 plans, risk policies, budget and annual business plan;             appropriate.
                                                                                 determining the implementation objectives; monitoring the       8. Giving approval to the appointed Public Accounting Firm that
                                                                                 implementation of the management and performance of the            would perform an audit task over the Consolidated Financial
                                                                                 Company; and overseeing investments, acquisitions and              Statements of the Company for the financial year ending on
                                                                                 divestments that are beyond the agreed limits.                     31 December 2023 and monitoring the implementation of
                                                                             3. Preparing and presenting its accountability reports on its          audit activities and developments in the capital market.
                                                                                 supervisory duty performance during the financial year of       9. Overseeing the implementation of corporate strategies.
                                                                                 2023 to the General Meeting of Shareholders.




62
Page 65
10. Conducting reviews and giving revisions to the BoC Charter      Self-Assessment Policy of the Board of




                                                                                                                                        Performance Snaphot:
                                                                                                                                        Demonstrating Value
    to ensure its compliance with the prevailing regulations.       Commissioners
11. Determining the amount of remuneration of the BoD and BoC
    members for the year of 2023, with respect to the resolutions   To ensure the enhancement of the quality of the governance
    of the Annual General Meeting of Shareholders on 15 May         process implementation, the BoC launches self-assessment
    2023.                                                           on annual basis against the supervisory task performance. The
12. Preparing the schedule of the BoC meetings for 2023.            assessment shall take into account some recommendations and
                                                                    review results from the Nomination and Remuneration Committee
Competence Development Programs for the                             which is also responsible for determining the assessment process
Board of Commissioners                                              and criteria, which include the quality of duty performance,




                                                                                                                                        Management
                                                                    skills and diversity of the BoC members as well as inputs and




                                                                                                                                          Report
We give the BoC members a wide opportunity to attend                recommendations.
seminar or coursework organized by reputable institutions on
directorship education about GCG, industrial outlooks, business     The assessment results will be reviewed at the BoC internal
prospects and innovations, so as to help them enhance the           meeting and they will serve as the basis of reference for
quality of management supervision and the governance process        enhancing the quality of the supervisory task implementation. In
implementation. Therefore, we always set up an annual budget        2023, BoC’s self-assessment showed the following results:




                                                                                                                                        Performance
for the Commissioners’ training and the Corporate Secretary is      1. BoC activities were all well-coordinated;




                                                                                                                                          Portfolio
responsible for providing recommendation and/or suggestion for      2. BoC members agreed in the significant of their role to
any relevant courses and/or trainings to the BoC.                      the Company and the fact that their inputs as well as
                                                                       recommendations to the Company were valued and are
Throughout 2023, the training and education programs our BoC           being followed up by the BoD;
attended are reported as follows:                                   3. BoC members were competent and skilled individuals with
                                                                       diverse educational and career backgrounds; and
No. Name of Training Program                    Organizer           4. BoC members conducted high quality discussions among
                                                                       their Commissioner Peers during BoC meetings.




                                                                                                                                        Company
 1    APRAG Conference 2023: Internasional       Beijing




                                                                                                                                         Profile
      Arbitration in CharnginTimes: Meeting      Arbitration
      Challenge, Bridging Divide (Speaker)       Commission
                                                 (BAC)
 2    Neuro Leadership                           Prasetiya
                                                 Mulya
 3    Sharing Session: Carbon Credit Industry    Forest Carbon
      and Technology                             Pte. Ltd.




                                                                                                                                        Management Discussion
                                                                                                                                            and Analysis
                                                                                                                                        Governance
                                                                                                                                         Corporate
                                                                                                                                        Corporate Social
                                                                                                                                         Responsibility




                                                                                                                                       63
Page 66
                                                                             The Board of
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Directors

                                                                             The Board of Directors (BoD) serves as the organ that performs       Duties and Responsibilities of the Board of
                                                                             the collective responsibilities for the management of the            Directors
                                                                             Company. In addition to the collective responsibilities, each
                                                                             member of the BoD is tasked with individual responsibilities         As stipulated in the Company’s Articles and Association and the
                                                                             according to the expertise and experience of each Board              BoD Charter, the BoD members share collective responsibilities,
                                                                             member. However, the execution of tasks by each member of            that is to exercise their business judgment to act in what they
                                                                             the BoD remains to be a collective responsibility until there is     reasonably believe to be in the best interests of the Company and
                                                                             proof of gross negligence in the part of a relevant Director.        its shareholders. The scope of duties includes five main areas of
                                                                                                                                                  management, corporate governance, risk management, internal
                                                                             Charter of the Board of Directors                                    control, and internal audit. While fulfilling such responsibilities,
                                                                                                                                                  BoD members may (to the best extent deemed as necessary) rely
                                                                             Our BoD members are guided with a BoD Charter that helps all         on the honesty and integrity of the Company’s senior executives
                                                                             members of the BoD in determining and executing their duties,        and its external advisors and auditors.
                                                                             objectively and effectively. The Charter stipulates the rules,
                                                                             guidelines, description of responsibility and authority, values      In addition to the aforementioned responsibilities, the BoD is
                                                                             and other operational mechanisms. The BoD will conduct review        entitled to represent the Company both inside and outside of
                                                                             over the BoD Charter regularly and suggest some revisions, if        the court regarding all matters and events, to bind the Company
                                                                             appropriate, to keep its consistency with Saratoga’s business        to other party vice versa, to take all actions pertaining to the
                                                                             dynamics. The BoD charter is available on the Company’s website.     management and ownership, but with the limitations that for the
                                                                                                                                                  following actions shall require approval of the BoC:
                                                                             Structure and Composition of the Board of                            1. To borrow or to grant any loan on behalf of the Company
                                                                             Directors                                                                 (excluding withdrawing money of the Company in banks)
                                                                                                                                                       which amount exceed certain limit as determined by the BOC
                                                                             Being held accountable to the GMS that has the rights to appoint          from time to time;
                                                                             and dismiss them, the Company’s BoD as of 31 December 2023           2. To establish a new business or participate in other companies,
                                                                             consisted of three members, of which one served as the President          both domestically and abroad in an amount exceeding 10%
                                                                             Director. The BoD members will serve the office since the date            (ten percent) of the total of the Company’s equity, based
                                                                             of the appointment by GMS until the closing of the third AGMS             on the latest financial statements of the Company, for each
                                                                             after their appointment, without due respect to the GMS’ rights to        project, in which the total equities of the Company consist of
                                                                             dismiss them at any time.                                                 shares capital, additional paid-up capital, retained earnings
                                                                                                                                                       and other comprehensive income;
                                                                             As of 31 December 2023, the composition of all members of the        3. To sell and/or otherwise dispose its participation in the
                                                                             BoD was as follows:                                                       subsidiaries or secure the assets of the Company in the
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                                                                                       amount exceeding 10% (ten percent) of the total of the
                                                                             Name                      Designation              Period                 Company’s equity, based on the latest financial statement
                                                                                                                                                       of the Company, for each project, whereas the equity of
                                                                             Michael W. P.             President Director       2022-2025
                                                                             Soeryadjaya                                                               the Company consists of shares capital, additional paid-up
                                                                                                                                                       capital, retained earnings and other comprehensive income;
                                                                             Lany D. Wong              Director                 2022-2025         4. To bind the Company as a guarantor;
                                                                             Devin Wirawan             Director                 2022-2025         5. To approve the appointment and or dismissal of the Head of
                                                                                                                                                       the Internal Audit unit;
                                                                             The BoD members have all met the requirements and criteria in        6. To approve the risk appetite, vision, mission and strategic
                                                                             term of the number of members, composition, and independency              plan of the Company.
                                                                             status pursuant to the Company’s Articles of Association and the
                                                                             prevailing regulations of the capital market. The BoD members        Aside from performing the collective duties, the BoD members
                                                                             are committed to managing the Company in line with international     have agreed on the following segregation of duties to facilitate
                                                                             best practice guidelines and recommendations that guide them         the effective duty implementation and an accurate and quick
                                                                             for an effective, efficient and professional management of the       decision-making process. Each member of the BoD can take
                                                                             Company.                                                             decisions based on their designation and within the scope of their
                                                                                                                                                  individual responsibilities although the execution of the BoD’s
                                                                             A brief profile of each member of the BoD is presented in the        duties remain a shared responsibility.
                                                                             Profile of the BoD section of this Annual Report.




64
Page 67
Name                                   Designation




                                                                                                                                               Performance Snaphot:
                                                                                                                                               Demonstrating Value
Michael W. P. Soeryadjaya              • Responsible for coordinating all Company’s operational activities.
President Director                     • Responsible for optimizing returns for the Company on each of its investments (realized &
                                         unrealized) and ensuring the effectiveness of any deal sourcing and portfolio monitoring.

Lany D. Wong                           Responsible for finance activities of the Company and leading the Company's ESG Task Force.
Finance Director

Devin Wirawan                          Responsible for investment and divestment activities of the Company and supervision of the
Investment Director                    investee companies of the Company.




                                                                                                                                               Management
As outlined in the prevailing rules and regulations, the BoD is        the meetings to give them the updates of the ongoing operational




                                                                                                                                                 Report
allowed to establish a committee to assist them in performing          and investment agenda of the Company.
their duties, from time to time, as necessary or appropriate.
                                                                       All the agenda and materials must be circulated to the meeting
Meetings of the Board of Directors                                     participant within 5 (five) days at the latest prior to the meeting,
                                                                       organized by the Corporate Secretary. BoD shall prepare for the
The BoD Charter stipulates that the BoD shall meet periodically,       schedule of meeting for the next year before the end of financial




                                                                                                                                               Performance
at least once a month or whenever necessary as required by one         year.




                                                                                                                                                 Portfolio
or more member(s) of the BoD, based on a written request by one
or more members of the BoC, or by one or more shareholders             In 2023, the BoD held a total of 12 internal meetings and
who collectively represent 1/10 (one tenth) of the total shares with   participated in 5 joint meetings with the BoC. The attendance rate
legal voting rights. The BoD may invite the BoC members to join in     at each of the BoD meetings is reported below:



Internal Meeting of the Board of Directors




                                                                                                                                               Company
                                                                                                                                                Profile
Name                                   Designation                             Number of Meetings          Attendance            %

Michael W. P. Soeryadjaya              President Director                                12                     12              100

Lany D. Wong                           Director                                          12                     12              100

Devin Wirawan                          Director                                          12                     12              100



Joint Meeting with the Board of Commissioners




                                                                                                                                               Management Discussion
Name                                   Designation                             Number of Meetings          Attendance            %




                                                                                                                                                   and Analysis
Michael W. P. Soeryadjaya              President Director                                5                      5               100

Lany D. Wong                           Director                                          5                      5               100

Devin Wirawan                          Director                                          5                      5               100



Attendance Rate of the Board of Directors at GMS

Name                                   Designation                             Number of Meetings          Attendance            %
                                                                                                                                               Governance
                                                                                                                                                Corporate

Michael W. P. Soeryadjaya              President Director                                2                      2               100

Lany D. Wong                           Director                                          2                      2               100

Devin Wirawan                          Director                                          2                      2               100



Report on the Duty Implementation of the                               3. Making discussions of the Consolidated Company’s financial
Board of Directors                                                        statements, which have been audited by the independent
                                                                          auditor for the financial year of 2023.
                                                                                                                                               Corporate Social
                                                                                                                                                Responsibility




As part of its duty implementation, the BoD in 2023 performed the      4. Conducting discussion on the preparation of the 2023 Annual
following major activities:                                               GMS and the agenda.
1. Executing a detailed and routine evaluation of the                  5. Conducting discussion on the comprehensive work plan and
     performance of each business unit of the Company.                    budget for 2024.
2. Conducting regular reviews of the Company’s monthly
     financial performance.




                                                                                                                                              65
Page 68
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                             6. Designing and conducting discussion on the medium-term            Self-assessment Policy of the Board of
                                                                                and long-term development plan of the Company’s business          Directors
                                                                                portfolios, both organically and inorganically, as well as
                                                                                capital expenditure requirements.                                 To enhance the quality of governance process implementation,
                                                                                                                                                  the BoD will be assessed for its duty performance in the relevant
                                                                             Competence Development Programs for the                              year based on the Key Performance Indicators it establishes and
                                                                             Board of Directors                                                   proposes to the BoC in the beginning of each year. The assessment
                                                                                                                                                  of BoD performance, both individually and collectively, is executed
                                                                             We are very supportive to any initiatives that will help improving   by the BoC at the year-end. In addition, the BoD will also conduct
                                                                             the quality of the BoD’s duty implementation and enhance             an annual self-assessment against the functioning of the BoD and
                                                                             each Director’s capabilities. The Company therefore provides         its committees (if any).
                                                                             general access to training courses and education programs for
                                                                             each of BoD members. The Company has set annual budget               The criteria for the assessment include the performance of BoD
                                                                             for relevant trainings and/or professional education programs        members, both individually and collectively and the contribution of
                                                                             required for each Director as a professional group and for the       each BoD member to the Company and specifically on areas in
                                                                             individual member based on the BoD’s plan and with respect to        which the management believes that the Director could improve.
                                                                             the Company’s agreed budget for the relevant year.                   The President Director will conduct a periodical review over the
                                                                                                                                                  performance of each Director’s duties as well as the role and
                                                                             The trainings the BoD members attended in 2023 were as follows:      responsibilities of each Director.
                                                                              No.   Name of Training Program                 Organizer
                                                                                                                                                  Meanwhile, the Performance of President Director himself will
                                                                               1    Sharing Session: Carbon Credit            Forest Carbon
                                                                                                                                                  be reviewed and assessed by the President Commissioner with
                                                                                    Industry and Technology                   Pte. Ltd.
                                                                                                                                                  respect to the assessment criteria used in the general evaluation of
                                                                               2    The Improvement and Strengthening         Legal and
                                                                                    of Finansial Sector (UUPPSK)              Corporate           BoD performance. Then the results of assessment in the forms of
                                                                                                                              Secretary           comments from the President Director and President Commissioner
                                                                                                                              Division of the     will be passed to Nomination and Remuneration Committee
                                                                                                                              Company
                                                                                                                                                  which will report them annually to the BoC. The assessment will
                                                                               3    Boost your confidence, improve your       James Gwee          be discussed with the full BoC each year. Each committee is
                                                                                    selling skills
                                                                                                                                                  established by the BoD shall review and reassess the adequacy of
                                                                               4    Indonesia’s Transition towards Net        CFA Society         its charter annually and recommend any proposed changes (if any)
                                                                                    Zero                                      Indonesia
                                                                                                                                                  to the BoD for approval.




                                                                             Succession Planning

                                                                             Nomination Process for the BOD                                       In the meantime, in the nomination process of the Company’s key
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                                                                                  executives, the President Director shall work together with the
                                                                             The process of nominating future candidates of BoD will involve      BoC or the BoD or the Nomination and Remuneration Committee
                                                                             the recommendations from the Nomination and Remuneration             in identifying a list of individuals’ best suited to fill in the strategic
                                                                             Committee which is responsible for establishing the succession       positions.
                                                                             plan that outlines the mechanism for preparing the successors
                                                                             of the BoD. In addition, the succession plan also includes the       As part of the nomination procedures, the Nomination and
                                                                             roles of the President Director, Directors and other key executive   Remuneration Committee will recommend the candidates of the
                                                                             positions deemed necessary by the BoC, BoD or the Nomination         members of the BoD to the BoC in accordance with the policies
                                                                             and Remuneration Committee.                                          and principles set forth in the BoD Charter and later BoC will
                                                                                                                                                  propose and recommended them to the GMS.
                                                                             The succession plan is not only done by submitting the list
                                                                             of potential leaders, but also includes the designing of the         Nomination Process for the BOC
                                                                             professional development plans of the Company’s leadership
                                                                             pipeline. The succession plan shall be regularly updated by BoD,     In the nomination process of candidates of members of BoC, the
                                                                             BoC or the Nomination and Remuneration Committee to ensure           Nomination and Remuneration Committee shall submit the criteria
                                                                             its consistency with Saratoga’s developments and needs.              and assist in the identification of candidates who have met the
                                                                                                                                                  qualifications in accordance with the policies and principles set
                                                                                                                                                  forth in the BoC Charter. The BoC will then select its candidate(s)
                                                                                                                                                  that will fit the Company's necessities and propose the candidates
                                                                                                                                                  to the GMS for approval.




66
Page 69
Remuneration Policy and Assessment on




                                                                                                                                              Performance Snaphot:
                                                                                                                                              Demonstrating Value
Members of the Board of Commissioners
and the Board of Directors
We appreciate the hard work and commitment of our BoD and              BoC members by the Nomination and Remuneration Committee.
BoC members by providing the attractive remuneration packages.         On the other hand, the remuneration of the BoD members




                                                                                                                                              Management
Mechanism for formulating the remuneration of the Company’s            is determined with respect to the Company’s achievement




                                                                                                                                                Report
management involves recommendations from the Nomination                against budget and business targets. The remuneration is also
and Remuneration Committee which is responsible for reviewing          benchmarked against those of industry peers.
and proposing the remuneration structure of the BoC and the
BoD members.                                                           In accordance with the AGMS resolutions on 15 May 2023, the
                                                                       GMS gave consent to the total remuneration for all members of
Our BoD members are entitled to a remuneration structure               the BoC of the Company for the financial year 2023 which was at




                                                                                                                                              Performance
comprising salaries as well as other benefits and allowances. In       the maximum of IDR17,000,000,000 (seventeen billion Rupiah).




                                                                                                                                                Portfolio
the meantime, the BoC members are entitled to honoraria as well        The BoC will then determine the details of the distribution of the
as other benefits and allowances. However, so as to preserve the       remuneration amount to be provided among each member of
independence status of the Independent Commissioners, their            the BoC, with respect to the recommendations and professional
remuneration structure does not include a bonus component.             opinion from the Nomination and Remuneration Committee. Also
                                                                       at GMS, the BoC was granted an authorization to determine the
In determining the remuneration for the BoC members, we shall          amount of salary, honorarium and allowances and other facilities
take into account the results of performance assessment of the         for the members of the BoD for the financial year of 2023.




                                                                                                                                              Company
                                                                                                                                               Profile
Below are the structure and the amount of remuneration granted to members of the BoC and the BoD in 2023:


           Type of Remuneration                               Total Amount Received by the Board of Commissioners
            and Other Facilities                                       and the Board of Directors in 2023

 Salary & THR                                                                     IDR19,564,174,000

 Bonus                                                                            IDR18,969,751,000

 Allowance & Facilities                                                           IDR3,099,205,048




                                                                                                                                              Management Discussion
 Long Term Incentive Program (Shares)                                                 3,145,000




                                                                                                                                                  and Analysis
Other than those that have been stipulated above, no personal loans are to be extended to the members of the BOC, BOD and other
executives in Director level of the Company, as regulated in the Corporate Governance Code of the Company.


Deferred and Clawback Remuneration or Bonuses

During 2023, no remuneration of the Board of Commissioners and Directors was deferred or clawed back as there were no serious
errors or material misstatements in the Company's financial statements.                                                                       Governance
                                                                                                                                               Corporate




Diversity of the Composition of the
Board of Commissioners and the Board
of Directors
                                                                                                                                              Corporate Social
                                                                                                                                               Responsibility




We are aware of the importance of having a diverse composition of Board members and its impacts to the Company. The effective
alignment of a multitude of experiences and perspectives conveyed by our Board members will lead the Company to perform distinctive
set of investment strategies which will keep it stay innovative and competitive against its industry peers. The further information about
the diversity is clearly described in their profiles, including the academic qualifications, expertise, work experiences, age, and gender,
as detailed out in the Profile of the BoC and the BoD section of this Annual Report.




                                                                                                                                             67
Page 70
                                                                             Disclosure of
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Affiliation

                                                                             The Company is committed to fully applying the aspects of transparency and integrity in its day-to-day operations, including in the
                                                                             disclosure of affiliation among members of BoC and the BoD. Below is the information about the family and financial relationships
                                                                             among our BoD and BoC members:


                                                                                                                                      Family & Financial Relationship with
                                                                                                 Name                                                                                        Remarks
                                                                                                                                BOC              BOD           Main Shareholders

                                                                             Edwin Soeryadjaya                                  Yes               Yes                 Yes

                                                                             Joyce S. Kerr                                      Yes               No                  Yes

                                                                             Indra Cahya Uno                                     No               No                  Yes

                                                                             Sidharta Utama                                      No               No                   No                  Independent

                                                                             Anangga W. Roosdiono                                No               No                   No                  Independent

                                                                             Michael W. P. Soeryadjaya                          Yes               No                  Yes

                                                                             Lany D. Wong                                        No               No                   No                  Independent

                                                                             Devin Wirawan                                       No               No                   No                  Independent




                                                                             Induction Program for Newly Appointed
                                                                             Director and/or Commissioner

                                                                             The Company organizes an induction program as an initiative          •     Internal regulations (Articles of Association, Corporate
                                                                             to introduce new director and/or commissioner to the set of the            Governance Code, Code of Conduct, BoC Charter, BoD
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             Company’s policies and a comprehensive information about the               Charter and other policies of the Company);
                                                                             Company as well as the scope of duties.                              •     The Company’s business model;
                                                                                                                                                  •     The Company’s operational system and internal control.
                                                                             During the induction program, the new director and/or
                                                                             commissioner will receive information on the following subjects:     In 2023, we did not conduct any induction program since there
                                                                             • External relevant regulations (Company Law, Capital Market         was no appointment of new director and/or commissioner to the
                                                                                 Law, Financial Services Authority Regulations, and other         Board this year.
                                                                                 relevant regulations);




68
Page 71
Committees Accountable




                                                                                                                                            Performance Snaphot:
                                                                                                                                            Demonstrating Value
to the Board of Commissioners

Audit Committee                                                       Below is the composition of the Audit Committee as of 31
                                                                      December 2023:




                                                                                                                                            Management
In order to enhance the performance of its supervisory duties, the




                                                                                                                                              Report
BoC is assisted by Audit Committee that carries out monitoring        Name             Designation Period           Legal Basis of
functions, particularly in relation to the internal control system,                                                 Appointment
financial statements, and the external auditors, and conducts         Anangga W.       Chairman       2022-2025      Circular
a review of the Company’s financial information and the               Roosdiono                                      Resolution of
implementation of audit activities by the internal auditor.                                                          the Board of
                                                                      Aria Kanaka      Member         2022-2025      Commissioners
                                                                                                                     dated 18 July




                                                                                                                                            Performance
The Audit Committee performs its duties and responsibilities with     Hany Gungoro Member             2022-2025      2022




                                                                                                                                              Portfolio
respect to the provisions stipulated in the Audit Committee Charter
which has been approved by the BoC. The Audit Committee               The brief profile of Mr. Anangga W. Roosdiono can be found
Charter which is available for access through the official website    on the Profile of the BoC section of this Annual Report. Yet the
of the Company regulates the structure, membership as well as         profiles of Mr. Aria Kanaka and Mrs. Hany Gungoro are presented
duties and responsibilities of the Audit Committee.                   in the following:


Duties and Responsibilities                                           ARIA KANAKA
                                                                      Member of the Audit Committee




                                                                                                                                            Company
                                                                                                                                             Profile
The Audit Committee performs its duties and responsibilities          An Indonesian citizen, 49 years old. He has been serving as a
independently. The scope of activities include:                       member of the Audit Company since June 2019. Currently he also
1. Conducting reviews of the financial information.                   serves as Audit Committee member in other listed companies
2. Ensuring the effectiveness of internal control system.             in Indonesia. He is a Partner of Public Accounting Firm Aria
3. Engaging in the selection, recommendation of appointment           Kanaka & Rekan (member firm of Mazars SCRL) and a lecturer at
    and supervisory work of Independent Auditors.                     Faculty of Economics and Business, the University of Indonesia.
4. Ensuring the Company’s regulatory compliance.                      He obtained a Bachelor of Accounting degree and a Master of
5. Conducting reviews of the potential conflict of interest.          Accounting degree both from the University of Indonesia.




                                                                                                                                            Management Discussion
6. Conducting reviews of the risk management.




                                                                                                                                                and Analysis
7. Assessing the third party’s complaint.                             HANY GUNGORO
8. Reviewing the special task implementation assigned by the          Member of the Audit Committee
    BoC.                                                              An Indonesian citizen, 54 years old, has been serving as a
                                                                      member of the Audit Committee of the Company since July 2022.
Term of Office of the Audit Committee                                 She is also a Partner for PT Paxcis Identity since 2010. She is
                                                                      certified with a Chartered Financial Analyst (CFA) and Certified
The term of office of Independent Commissioner who concurrently       Risk Professional (CRP) with more than 30 years of corporate
serves as a member of the Audit Committee shall be equal to his/      experience, including planning and strategy, M&A, IT & Project
her term of office as Independent Commissioners as stipulated         Management System, and People & Organization Development.
by the GMS. Meanwhile, Independent Commissioner who                   She studied Accounting and graduated from the University of
                                                                                                                                            Governance

concurrently serves as a member of the Audit Committee shall          Tarumanagara.
                                                                                                                                             Corporate


serve the office for the period that is equal to his/ her term of
office as Independent Commissioners as stipulated by the GMS.         Statement of Independency of the Audit
Meanwhile, the term of office of non-Independent Commissioner         Committee
members may not exceed the term of office of the BoC and can
only be reappointed by the BoC for another single period.             The Company ensures that all members of the Audit Committee
                                                                      are professional individuals with strong commitments to integrity,
Composition and Structure of the Audit                                of good competence, experience, and adequate knowledge of
Committee                                                             financial matters. They have met the requirements to be declared
                                                                                                                                            Corporate Social
                                                                                                                                             Responsibility




                                                                      independent as outlined by FSA Regulation No. 55/POJK.04/2015
In 2023, the Company’s Audit Committee was composed of                dated 23 December 2015 concerning The Formulation and
3 (three) members, of which one acted as the Chairman of              Implementation Guidelines of the Audit Committee.
the Committee, which also happened to be the Company’s
Independent Commissioner. The other 2 (two) expert members
were external parties who committed to serve the Company with
independency and high integrity.




                                                                                                                                           69
Page 72
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                             Audit Committee Meeting                                              schedules at the beginning of the year and at any time as deemed
                                                                                                                                                  necessary.
                                                                             The Audit Committee Charter stipulates that the Audit Committee
                                                                             must convene a meeting at least once in four months or on            Throughout 2023, the Audit Committee have met for 5 times, with
                                                                             quarterly basis. The Audit Committee submit the meeting              the attendance rate as follows:


                                                                             Name                                 Designation                         Number of Meetings          Attendance               %

                                                                             Anangga W. Roosdiono                 Chairman                                         5                     5                 100

                                                                             Aria Kanaka                          Member                                           5                     5                 100

                                                                             Hany Gungoro                         Member                                           5                     5                 100


                                                                             Activity Report of the Audit Committee                                  to make sure that the risk management policy is embedded
                                                                                                                                                     within the Company’s operation and comply with the
                                                                             As part of the duties and responsibilities, the Audit Committee in      Company’s management control process and governance.
                                                                             2023 carried out the following activities:                           6. Reviewed the legal and compliance function conducted by
                                                                             1. Reviewed quarterly and annual financial statements regularly,        Legal and Corporate Secretarial Division. The Legal and
                                                                                 prior to submission to FSA and IDX. Particular attention is         Corporate Secretarial Division ensures that all relevant and
                                                                                 paid to the accounting policy (recognition, presentation, and       applicable regulations are acknowledged, implemented,
                                                                                 measurement) and the disclosure in the notes to financial           and socialized within the Company as well as ensuring that
                                                                                 statements.                                                         relevant capital market rules are embedded in the internal
                                                                             2. Reviewed, selected, and recommended the appointment                  rules and practices within the Company. The Audit Committee
                                                                                 of the Public Accountant Firm to audit the Consolidated             emphasizes the importance of the Company to fully comply
                                                                                 Financial Statements of the Company for the financial year          with the applicable rules and regulations.
                                                                                 ended on 31 December 2023.                                       7. Agreed on the Audit Committee’s performance self-evaluation
                                                                             3. Reviewed internal audit plan, findings, and follow-up on             & activity reports for the year 2023.
                                                                                 findings, suggesting internal control improvement and            8. Agreed on the Audit Committee’s meeting schedule and
                                                                                 monitoring the management’s follow-up on the findings. The          agenda for the year 2024.
                                                                                 Audit Committee also reviewed and provided suggestions on
                                                                                 the 2024 internal audit plan with respect to its adequacy from   The Chairman of the Audit Committee regularly reports the
                                                                                 the perspective of risk-based audit.                             activities of the Audit Committee to the BoC in the meeting of
                                                                             4. Evaluated the external auditor’s work on the audit for the        the BoC.
                                                                                 2022 financial statements, which was completed in mid-
                                                                                 March 2023. The Audit Committee also reviewed the overall        Training Programs for the Audit Committee
                                                                                 audit plan and approach as well as independency of the
                                                                                 auditors for the audit of the 2022 financial statements.         The Company has given the Audit Committee members the
                                                                             5. Reviewed the risk management strategy and oversaw the             opportunity to participate in any training activities that can
                                                                                 implementation plans that are tailored to the business model     enhance the quality of their duty performance. Thus in 2023,
                                                                                 of the Company i.e. a holding investment company. The            the Committee members have attended the following training
                                                                                 Audit Committee also oversaw the implementation process,         programs:
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             Name of Training Program                                                                      Organizer

                                                                             National Conference of Audit Committees 2023                                              Indonesian Institute of Audit
                                                                             "Overseeing the Company's Sustainability and Growth through Risk Supervision and Control" Committee

                                                                             The Role of IT Audit to Support Auditors' Work in the Audit of Financial Statements           Indonesian Institute of Certified Public

                                                                             Short Online Learning PSAK Series – Issues in the Preparation and Presentation of             Indonesian Institute of Certified Public
                                                                             Consolidated Financial Statements

                                                                             Capital Market FSA: Accounting and Audit Considerations and Capital Market Regulations in     Indonesian Institute of Certified Public
                                                                             the New Share Issuance Process (IPO)

                                                                             Tax Seminar and Member Meeting: The Future of the Tax Court After the Transfer of             Indonesian Institute of Audit
                                                                             Authority of the Ministry of Finance to the Supreme Court; Natura/Enjoyment according to      Committee
                                                                             PMK 66 of 2023; Depreciation/Amortization in accordance with PMK 72 of 2023.




70
Page 73
Nomination and Remuneration                                              Below is the composition of the Nomination and Remuneration




                                                                                                                                              Performance Snaphot:
Committee




                                                                                                                                              Demonstrating Value
                                                                         Committee as of 31 December 2023:


Being held accountable to the BoC, the Nomination and
Remuneration Committee is established to help the BoC in                 Name             Designation Period          Legal Basis of
determining and overseeing the nomination process and                                                                 Appointment
remuneration policies to the members of the BoC, BoD, and senior         Anangga W.       Chairman      2022-2025      Circular
management. The Nomination and Remuneration Committee is                 Roosdiono                                     Resolution of
responsible for designing the performance evaluation processes,                                                        the Board of
                                                                         Edwin            Member        2022-2025      Commissioners
succession plan, professional education program, and reviewing




                                                                                                                                              Management
                                                                         Soeryadjaya                                   dated 1 July 2022
the Company’s human resources policies.




                                                                                                                                                Report
                                                                         Handianto        Member        2022-2025
                                                                         Ganis
The Nomination and Remuneration Committee is guided with the
Nomination and Remuneration Committee Charter in performing
its duties and responsibilities. The Charter stipulates the structure,   The brief profiles of Mr. Anangga W. Roosdiono and Mr. Edwin
membership as well as duty and responsibility of the Nomination          Soeryadjaya are presented on the Profile of the BoC section
and Remuneration Committee. This Charter has been approved               of this Annual Report. Yet the profile of Mr. Handianto Ganis is




                                                                                                                                              Performance
by the BoC and is available for access on the official website of        presented in the following:




                                                                                                                                                Portfolio
the Company.
                                                                         HANDIANTO GANIS
Duties and Responsibilities of the Nomination                            Member of the Nomination and Remuneration Committee
and Remuneration Committee                                               An Indonesian citizen, 72 years old, has been serving as the
                                                                         member of the Nomination and Remuneration Committee of the
The general duties of Nomination and Remuneration Committee              Company since April 2013.
are to assist the BoC by providing professional and independent
recommendations with respect to the GCG principles on systems            He earned a Bachelor Degree in Business Administration and




                                                                                                                                              Company
                                                                                                                                               Profile
and procedures relating to:                                              Accounting from California State University, Los Angeles, as well
1. The succession plan of the members of the BoC and the                 as a Master of Business Administration degree from the University
    BoD and the executives to fill in strategic positions in the         of Southern California, Los Angeles.
    management of the Company.
2. The identification and proposal of candidates for members             Statement of Independency of the Nomination
    of the BoC, the BoD and the strategic positions in the               and Remuneration Committee
    management of the Company.
3. The determination of the remuneration for members of the              The Company ensures that all members of the Nomination and




                                                                                                                                              Management Discussion
    BoC, the BoD and strategic positions in the management of            Remuneration Committee are professional individuals with strong




                                                                                                                                                  and Analysis
    the Company.                                                         commitments to integrity and independency in performing its
                                                                         duties and responsibilities. The Nomination and Remuneration
Term of Office of the Nomination and                                     Committee ensures no intervention from any party into its duty
Remuneration Committee                                                   performance, with any reason and other actions which may have
                                                                         potential to cause conflict of interest.
The members of Nomination and Remuneration Committee will
serve the office for the period that is no longer than the term          Nomination and Remuneration Committee
of office of the BoC, to which is held accountable. Meanwhile,           Meeting
Independent Commissioner who concurrently serves as a
member of the Nomination and Remuneration Committee shall                Nomination and Remuneration Committee charter stipulates that
                                                                                                                                              Governance

serve the office for the period that is equal to his/ her term of        Nomination and Remuneration Committee shall meet at least
                                                                                                                                               Corporate


office as Independent Commissioners as stipulated by the GMS.            once in 4 (four) months or on quarterly basis.
Meanwhile, the term of office of non-Independent Commissioner
members may not exceed the term of office of the BoC and can             The meetings of our Nomination and Remuneration Committee
only be reappointed by the BoC for the next period.                      generally discussed the recommendations for the remuneration
                                                                         and the implementation of performance assessments of both
Composition and Structure of the Nomination                              Board of Directors and Board of Commissioners for use.
and Remuneration Committee                                               The meeting agenda and the results of the Nomination and
                                                                         Remuneration Committee was contained in the Committee's
                                                                                                                                              Corporate Social
                                                                                                                                               Responsibility




In 2023, the Nomination and Remuneration Committee consisted             activity report.
of 3 (three) members, of which one was the Independent
Commissioner, who also served the Chairman of the Committee;
the other member was President Commissioner; and the other
member was a person in a managerial position subordinate to the
BoD, who was in charge of the human resources area.




                                                                                                                                             71
Page 74
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                             In 2023, the Nomination and Remuneration Committee held 3 meetings, with the attendance rate at each of the meetings as follows:

                                                                             Name                                 Designation                         Number of Meetings          Attendance             %

                                                                             Anangga W. Roosdiono                 Chairman                                         3                     3              100

                                                                             Edwin Soeryadjaya                    Member                                           3                     3              100

                                                                             Handianto Ganis                      Member                                           3                     3              100




                                                                             Activity Report of Nomination and                                    Assessment on the Performances of the
                                                                             Remuneration Committee                                               Committees Accountable to the Board of
                                                                                                                                                  Commissioners
                                                                             As part of the duty performance, the Nomination and Remuneration
                                                                             Committee in 2023 has actively provided feedback, evaluation         BoC have conducted regular assessments on the performances
                                                                             and recommendations for BoD, BoC and strategic positions in the      of all Committees under the BoC, namely the Audit Committee
                                                                             management discussion, through among others, the following           and Nomination and Remuneration Committee. The assessment
                                                                             activities:                                                          results suggested that both Audit Committee and Nomination
                                                                             1. Reviewed the profiles and salary of the employees of the          and Remuneration Committee have performed their duties and
                                                                                 Company.                                                         responsibilities effectively within the scope of their roles and
                                                                             2. Formulated and monitored the Key Performance Indicator of         functions. The effectiveness of their duty performances was
                                                                                 the Company, the BOC, the BOD and the employees of the           among other reflected on the fact that there was no significant
                                                                                 Company.                                                         finding in the Company’s business processes. The results of
                                                                             3. Monitored human resources activities in the Company i.e. on       assessment which covered criteria including the duty performance
                                                                                 the recruitment process for managerial level and above.          of each Committee, the attendance rate at each of the Committee
                                                                             4. Carried out assessment processes for the employees of the         meetings and the development of competence, proved somehow
                                                                                 Company.                                                         that the committees under the BoC helped enhance the quality of
                                                                             5. Approved the implementation of the Long-Term Incentive            the corporate governance implementation as well as ensuring the
                                                                                 Program.                                                         improvements surrounding Company’s regulatory compliance.
                                                                             6. Proposed the 2023 remuneration and annual bonus for the
                                                                                 Commissioners and Directors of the Company.
                                                                             7. Agreed on the Nomination and Remuneration Committee’s
                                                                                 performance self-evaluation & activity reports for the year
                                                                                 2023.


                                                                             The Chairman of the Nomination and Remuneration Committee
                                                                             provided regular reports on the aforementioned activities of the
                                                                             Committee to the BoC at the BoC meetings.


                                                                             Training Programs for the Nomination and
                                                                             Remuneration Committee
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             The Company has given the Nomination and Remuneration
                                                                             Committee members the opportunity to participate in any training
                                                                             activities that can enhance the quality of their duty performance.
                                                                             Thus in 2023, the Committee members have attended the
                                                                             following training programs.


                                                                             Name of Training Program            Organizer

                                                                             Neuro Leadership                    Prasetiya Mulya

                                                                             Sharing Session: Carbon Credit      Forest Carbon Pte. Ltd.
                                                                             Industry and Technology




72
Page 75
Committees Accountable




                                                                                                                                           Performance Snaphot:
                                                                                                                                           Demonstrating Value
to the Board of Directors

Investment Committee                                                In the meantime, the term of office for Investment Committee
                                                                    member who concurrently serves as a member of the BoD shall




                                                                                                                                           Management
Given the characteristics of the Company’s business, the            also not be longer than his/ her term of office as the member of




                                                                                                                                             Report
Investment Committee has a vital role in assisting the BoD in       the BoD and can be re-appointed for another term of office.
the planning, formulation and execution of investment and
divestment policies and strategies as well as to ensure the         Then the term of office for the Investment Committee member
Company’s sustainability and the investment and divestment of       who is concurrently not a member of the BoC nor the BoD shall
the Company’s long-term strategic objectives. BoD in fact grants    not be longer than 1 (one) year and can be re- appointed as
the Investment Committee with the rights to make investment and     deemed necessary by the BoD and the BoC.




                                                                                                                                           Performance
divestment decisions with a transaction value up to 10% of the




                                                                                                                                             Portfolio
Company’s equity so as to realize the investment opportunities      Composition and Structure of the Investment
on a timely basis.                                                  Committee

In performing its duties and responsibilities, the Investment       In 2023, the Investment Committee comprised of 4 (four)
Committee is guided with the Investment Committee Charter.          members, with the President Commissioner being the Investment
The Charter is available for access on the Company’s website        Committee Supervisor and President Director to serve as the
and stipulates among which the structure of the Committee,          Chairman of the Investment Committee.
membership, reporting, duties and responsibilities.




                                                                                                                                           Company
                                                                                                                                            Profile
                                                                    Below is the composition of the Investment Committee members
Duties and Responsibilities                                         as of 31 December 2023:


Investment Committee is tasked to provide professional and          Name                      Designation               Period
independent recommendations and advice to the BoC based on
                                                                    Edwin Soeryadjaya         Supervisor                2022-2025
its reviews and considerations with respect to the GCG principles
in matters relating to the followings:                              Michael W. P.             Chairman                  2022-2025
a. Designing and implementation of systems and procedures           Soeryadjaya




                                                                                                                                           Management Discussion
     related to investment and divestment activities of the         Lany D. Wong              Member                    2022-2025




                                                                                                                                               and Analysis
     Company.
b. Designing and implementation of systems and procedures           Devin Wirawan             Member                    2022-2025
     related to monitoring of the performance of the Company’s
     associates and subsidiaries (investee companies).              The brief profiles of each member of the Investment Committee
c. Designing and implementation of systems and procedures           were presented in the Profile of the BoC and the BoD section of
     that allow active monitoring towards the risk profile of       this Annual Report.
     the Company associated with the Company’s investment
     activities.                                                    Investment Committee Meeting
d. The composition, roles and responsibilities of the Committee
     shall be detailed in the Investment Committee charter.         As stipulated in the Investment Committee Charter, the Committee
                                                                                                                                           Governance

                                                                    shall convene a meeting at least once a month and may hold
                                                                                                                                            Corporate


Term of Office of the Investment Committee                          periodic meeting, at least once every quarter, by engaging the
                                                                    division or operating units of the Company that are responsible for
The term of office for Commissioner who acts as the Investment      executing investment, monitoring investment performance and
Committee Supervisor shall not be longer than his/her term of       Investee Company’s performance, and monitoring investment
office as the member of the BoC and can be re-appointed for         risk.
another term.
                                                                                                                                           Corporate Social
                                                                                                                                            Responsibility




                                                                                                                                          73
Page 76
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             In 2023, the Investment Committee convened a total of of 16 meetings, with the attendance rate at each of the meetings as follows:

                                                                             Name                                                               Number of Meetings           Attendance               %
                                                                             Edwin Soeryadjaya                                                            16                      16                  100

                                                                             Michael W. P. Soeryadjaya                                                    16                      16                  100

                                                                             Lany D. Wong                                                                 16                      16                  100

                                                                             Devin Wirawan                                                                16                      16                  100



                                                                             Investment Committee Activities                                     Training Programs for the Investment
                                                                                                                                                 Committee
                                                                             As part of its duty performance, the Investment Committee in
                                                                             2023 has carried out the following activities:                      As the members of Investment Committee comprised of members
                                                                             1. Provided recommendations on the Company’s investment             of BoD and BoC, please refer to training program section for the
                                                                                policy to the Board of Directors encompassing, among others,     BoC and the BoD.
                                                                                the investment criteria and associated risk profile.
                                                                             2. Reviewed and provided recommendations for approval or            Assessment on the Investment Committee
                                                                                rejection of all investment proposals submitted to the Board
                                                                                of Directors.                                                    BoD has conducted assessment on the performance of Investment
                                                                             3. Analyzed and periodically reviewed once every quarter, all       Committee with respect to the established criteria including the
                                                                                reports on the Company’s investment performance and the          duty performance of each Committee, the attendance rate at each
                                                                                Investee Company performance.                                    of the Committee meetings and the development of competence.
                                                                             4. Analyzed and periodically reviewed once every quarter, all       The assessment results suggested that Investment Committee
                                                                                reports on the Company’s risk profile associated with the        has performed its duties and responsibilities effectively in the
                                                                                Company’s capital structure and the composition of the           financial year 2023 in accordance with the role and function of
                                                                                Investee Company.                                                the committee as stipulated in the Investment Committee Charter.
                                                                             5. Evaluated each investment to assess if the investment
                                                                                adheres or continues to adhere to the Company’s investment
                                                                                strategy.
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




74
Page 77
Corporate




                                                                                                                                          Performance Snaphot:
                                                                                                                                          Demonstrating Value
Secretary

The role of Corporate Secretary of Saratoga is very vital to the     2. Administering regular and incidental reports to the capital
Company, particularly in ensuring the Company comply with the           market authority.




                                                                                                                                          Management
prevailing rules and regulations set by the governing bodies         3. Working closely with other divisions in the Company to




                                                                                                                                            Report
outside the Company. At the same time, our Corporate Secretary          provide the management with information on the latest
also serves as the person in charge of establishing a sound             changes and developments in capital market regulations.
communication between the Company and its stakeholders;              4. Overseeing the regular and proper implementation of GMS,
ensuring the Company’s information accessible to all stakeholders       the BoD and the BoC meetings.
and that the Company meets its transparency commitment by            5. Providing timely information about the Company’s
providing disclosure of information accurately and timely to the        performance to the shareholders.




                                                                                                                                          Performance
authorities and the public. The Corporate Secretary reports its




                                                                                                                                            Portfolio
duty performance directly to the President Director.                 Corporate Secretary’s Activities

The Company appointed the Company’s Legal and Corporate              In 2023, as part of its duty performance, the Corporate Secretary
Secretarial Division Head, Sandi Rahaju, as the person-in-charge     has carried out several activities, including:
of the Corporate Secretary functions and responsibilities pursuant   1. Carried out correspondences and meetings with FSA and IDX
to BoD Circular Resolution dated 9 June 2022.                            as the capital market regulators.
                                                                     2. Attended conferences and workshops held by FSA, IDX,
Profile of Corporate Secretary                                           Indonesian Issuers Association (AEI) and Indonesia Corporate




                                                                                                                                          Company
                                                                                                                                           Profile
                                                                         Secretary Association.
SANDI RAHAJU                                                         3. Worked closely with the Investor Relations and the Corporate
An Indonesian citizen, 55 years old, domiciled in Jakarta. She           Communication to provide update of the Company’s
is concurrently serving as the Head of the Legal and Corporate           development to the public through press releases, the
Secretarial Division of the Company. The Corporate Secretary             Company’s website, and fulfillment of the Company data
Function is held by a working unit since July 2016. Prior to her         requests.
appointment to the Corporate Secretary function, Sandi Rahaju        4. Submitted regular and incidental reports to FSA and IDX as
was a member to the Audit Committee of PT Selamat Sempurna               required by the prevailing capital market regulations.




                                                                                                                                          Management Discussion
Tbk., and a member of the Audit Committee of PT Mitra                5. Conducted one Annual GMS and one Extraordinary GMS.




                                                                                                                                              and Analysis
Investindo Tbk. Also, before joining the Company in 2007, she        6. Organized BoC and BoD meetings, press conferences,
has pursued a professional career of more than fifteen years in          analyst meetings and media coverage activities with the
a few corporations such as Taisei Corporation, an international          Corporate Communication.
construction company, PT Kideco Jaya Agung, an Indonesian coal       7. Other duties as assigned.
mining company as well as in a couple of law firms in Indonesia,
i.e., Pelita Harapan Law Firm and finally, Hendra Soenardi. Sandi    Competence Development Program for the
Rahaju is a graduate of the University of Technology, Sydney, in     Corporate Secretary
2007 and holds a Doctorate degree in Juridical Science (SJD).
                                                                     The Company’s Corporate Secretary is given the opportunity
The Corporate Secretary’s general scope of duties is described       to enhance her skills and knowledge through trainings and
                                                                                                                                          Governance

below:                                                               seminars. Throughout 2023, the Corporate Secretary attended
                                                                                                                                           Corporate


1. Providing recommendations concerning the implementation           the following competency development programs and seminars:
    of GCG principles.

                           Name of Training Program                                                   Organizer

Workshop of the Indonesian Issuers Association – Discussion on Reviewing the Indonesian Public Listed Companies Association
Implementation of POJK Regarding Public Companies

Data Protection Resilience Strategy in Companies                                 Indonesia Corporate Secretary Association
                                                                                                                                          Corporate Social
                                                                                                                                           Responsibility




The Corporate Governance Officer’s Role in Driving Digital Resilience            Indonesia Corporate Secretary Association

Workshop of ICSA – Implementation of GMS via eASY.KSEI                           Indonesia Corporate Secretary Association

Workshop of ICSA – Effective Risk Management for Corporate Secretary             Indonesia Corporate Secretary Association

Workshop of ICSA x IDX - Listed Companies Compliance Refreshment                 Indonesia Corporate Secretary Association and
                                                                                 IDX




                                                                                                                                         75
Page 78
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                                                         Name of Training Program                                                     Organizer

                                                                             IDX Stakeholders Business Forum Luncheon                                            IDX

                                                                             Deepening POJK No. 42/POJK.04/2020 concerning Affiliate Transactions and            Indonesia Corporate Secretary Association
                                                                             Conflict of Interest Transactions and POJK No. 17/POJK.04/2020 concerning
                                                                             Material Transactions and Changes in Main Business Activities

                                                                             Managing Environmental, Social, and Governance Risks and Opportunities              FSA

                                                                             Workshop of FSA x IDX Compliance Refreshment                                        FSA x IDX

                                                                             SEOJK Socialization No. 13/SEOJK.04/2023 concerning Buyback of Public               FSA
                                                                             Company Shares as a Consequence Cancellation of Securities Listing by the
                                                                             Stock Exchange due to Conditions or Events that Have a Negative Impact on
                                                                             Business Continuity

                                                                             Socialization of POJK 9 of 2023 concerning the Use of Public Accountant             FSA
                                                                             Services and Public Accounting Firms in Financial Services Activities

                                                                             Socialization of General Guidelines for Indonesian Corporate Governance and         National Committee on Governance Policy (KNKG)
                                                                             Organizing of the 2022 Annual Report Award

                                                                             Deepening of Indonesian Stock Exchange Regulation Number I-E: concerning            Indonesia Corporate Secretary Association
                                                                             Obligation to Submit Information

                                                                             Discussion of Strategy and Implementation of the P2SK Law for Public                Indonesian Public Listed Companies Association
                                                                             Companies




                                                                             Internal Audit
                                                                             Unit

                                                                             The Internal Audit Unit is established to assist the BoD and BoC       Duties and Responsibilities of the Internal
                                                                             by providing assurance that the Company has implemented an             Audit Unit
                                                                             effective internal control against its operational and financial
                                                                             activities. In addition, the Internal Audit Unit is also tasked to     The Internal Audit Unit is responsible for the following duties:
                                                                             provide professional and independent opinions about the                1. Preparing and formulating the Annual Audit Plan.
                                                                             compliance of the Company’s activities with the internal as well       2. Performing the audit works in line with the audit plan
                                                                             as the applying rules and regulations.                                    and assess the efficiency and effectiveness of business
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                                                                                       development, portfolio monitoring, finance, accounting,
                                                                             To promote higher values and improve the operational                      human capital, and legal.
                                                                             performances of the Company using systematic approaches, the           3. Reviewing and evaluating the implementation of internal
                                                                             Internal Audit Unit has established an organizational structure,          control and risk management systems to ensure their
                                                                             work standards and practices, communication programs and                  compliance with the Company’s policies.
                                                                             quality assurance programs.                                            4. Providing advice on improvements and objective information
                                                                                                                                                       on the activities being audited at every level of management.
                                                                             In performing its duties and responsibilities, the Internal Audit      5. Preparing the report on audit findings and present it to the
                                                                             Unit is guided with the Internal Audit Charter, which regulates           Audit Committees.
                                                                             the structure, the membership, the scope of duties and                 6. Monitoring, analyzing and reporting the follow-up actions as
                                                                             responsibilities. The Internal Audit Charter is available for access      recommended.
                                                                             through the Company’s website.                                         7. Evaluating the quality of the internal audit works on periodical
                                                                                                                                                       basis in carrying out the audit program.
                                                                                                                                                    8. Undertaking special audits whenever necessary.




76
Page 79
Internal Audit Unit Structure                                         Competency Development Program for the




                                                                                                                                             Performance Snaphot:
                                                                                                                                             Demonstrating Value
                                                                      Internal Audit
The BoC Circular Resolution dated 9 February 2016 stipulates
that Lily Herawati is to serve as the Head of Internal Audit. She     To enhance its knowledge and competence, the auditors of the
reports directly to the Company’s President Director.                 Company’s Internal Audit Unit in 2023 attended the following
                                                                      training activities:
As of 31 December 2023, the Internal Audit Unit of the Company        1. Seminar Nasional IA : Trusted Advisor: Navigation the new
consisted of two auditors, one of which was the Head of Internal           frontier, connecting between Information Technology and
Audit and the other was a Senior Auditor with complementary                Business Strategy by Yayasan Pendidikan Internal Audit
range of educational backgrounds, skills and work experiences.             (YPIA).




                                                                                                                                             Management
The Company ensures that Head of Internal Audit has met               2. Internal Control – the Committee of Sponsoring Organizations




                                                                                                                                               Report
the qualification required as she is recognized as a Certified             of the Treadway Commission (COSO Framework) by YPIA.
Management Accountant and GRC Professional.                           3. Fraud Detection & Investigation for Internal Audit by the
                                                                           Institute of Internal Audit (IIA)
Profile of the Head of Internal Audit                                 4. Risk Management by Revolution Mind Indonesia.
                                                                      5. Personal Leadership in Action by Pace Synergic.
LILY HERAWATI                                                         6. Internal Audit : New Internal Audit by YPIA.




                                                                                                                                             Performance
Head of Internal Audit Unit




                                                                                                                                               Portfolio
An Indonesian citizen, 52 years old. She earned a Bachelor of         Internal Audit Activity Report
Economics from Trisakti University, Jakarta. She has been serving
as the Head of Internal Audit Unit effective as of 9 February 2016.   As part of its duty implementation, throughout 2023, Internal
She was a member of the Audit Committee at one of Saratoga            Audit conducted 15 regular audit and follow-up activities that
investee, PT Tri Wahana Universal (2016-2017). She has over 20        covered Investment, Portfolio Management, Finance, Accounting,
years of corporate function, manufacturing industries and trading     Tax and GA division.
business experience. Prior joining the Company, she held several
positions at PT Astra Otoparts Tbk. such as Division Head of          At the same time, Internal Audit also served advisory functions




                                                                                                                                             Company
                                                                                                                                              Profile
Corporate Finance, Division Head of Financial Planning Analysis,      relating to business processes in the investees, by assisting the
Division Head of Corporate Controller and Finance Director at         investee companies in establishing an effective internal control to
several PT Astra Otoparts Tbk.’s subsidiaries.                        mitigate strategic, compliance or operational risks and improve
                                                                      operational efficiency.


                                                                      Also, as part of its responsibilities, in 2023, Internal Audit
                                                                      conducted 4 meetings with the Audit Committee to present the
                                                                      audit findings report and recommendations.




                                                                                                                                             Management Discussion
                                                                                                                                                 and Analysis
                                                                                                                                             Governance
                                                                                                                                              Corporate
                                                                                                                                             Corporate Social
                                                                                                                                              Responsibility




                                                                                                                                            77
Page 80
                                                                             Corporate
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Communication

                                                                             The Company has established the Corporate Communication                In 2023, the Corporate Communication team at the Company
                                                                             Division with the pivotal role of orchestrating a set of various       proactively carried out a series of impactful of public relations,
                                                                             public and media relations activities, including engagements with      corporate events, CSR and ESG activities, showcasing our
                                                                             the media community and the implementation of corporate social         commitment to transparent communication and community
                                                                             activities. This strategic move reflects the growing significance of   engagement. Initiatives as follows:
                                                                             enhancing the Company’s positive image and reputation among            1. Successfully organizing the General Meeting Shareholders
                                                                             the public and other stakeholders.                                         (GMS) and Public Expose in 2023, fostering open
                                                                                                                                                        communication and transparency.
                                                                             The Corporate Communication Division actively manages various          2. Efficiently initiating and managing corporate events for
                                                                             key responsibilities, including:                                           the Company, ensuring seamless execution and positive
                                                                                                                                                        outcomes.
                                                                             1. Crafting the implementation strategy of the Company’s non-          3. Regularly providing updates on the Company’s development
                                                                                media publication for non-financial public, investor, and               to the public thoughtfully crafted press releases and our
                                                                                financial community to uphold the Company’s esteemed                    corporate website, ensuring stakeholders are well-informed.
                                                                                reputation.                                                         4. Spearheading and effectively managing Corporate Social
                                                                             2. Devising the implementation strategy for the Company’s mass             Responsibility and Community Involvement & Development
                                                                                media advertisements related to financial and non-financial             programs, reflecting our dedication to making a positive
                                                                                aspects, with the primary aim of maintaining the Company’s              impact beyond business operations.
                                                                                positive reputations.                                               5. Proudly implementing the first year of the Company’s
                                                                             3. Ensuring the Company’s publications and website are readily             ESG Roadmap, marking a significant stride towards our
                                                                                accessible to the public, presenting content in a format that is        sustainability goals and ethical business practices.
                                                                                simple and clear for ease of readability.
                                                                             4. Strategizing and executing Corporate Social Responsibilities        These endeavours underscore our unwavering commitment
                                                                                (CSR) and Community Involvement & Development (CID)                 to proactive communications, community engagement, and
                                                                                programs, reinforcing the Company’s commitment to social            responsible business practices throughout the year.
                                                                                impact for the employee and community well-being.




                                                                             Investor
                                                                             Relations
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             As a publicly listed company, the role of Investor Relations is very   Investor Relations disseminates the latest updates about the
                                                                             important in managing communications between investors and             Company directly to investors and key players in the capital
                                                                             the Company’s management.                                              market through the Company’s website. The latest information
                                                                                                                                                    will serve as the important reference for the shareholders and
                                                                             Working closely with the Corporate Secretary and Corporate             other capital market participants to make a fair decision relating
                                                                             Communication, Investor Relations reports directly to the Finance      to investing in the Company.
                                                                             Director on its duty performance, particularly relating to the
                                                                             activities of promoting a positive corporate image and ensuring        Throughout 2023, Investor Relations provided investors and
                                                                             the Company to meet its transparency responsibility to the public.     capital market participants with the access to the latest updates
                                                                                                                                                    on the Company and direct meetings with Directors of the
                                                                                                                                                    Company by way of one-on-one and group meetings, as well as
                                                                                                                                                    the implementation of public expose. The BoD of the Company
                                                                                                                                                    have taken active participation in many of these occasions.




78
Page 81
Other Corporate Governance




                                                                                                                                             Performance Snaphot:
                                                                                                                                             Demonstrating Value
Information

Access to Information and Company Data                                 Other Corporate Governance Information




                                                                                                                                             Management
The Company believes that distribution of information to               Throughout 2023, the Company released the following reports:




                                                                                                                                               Report
the public and other stakeholders still proves to be the most
effective way to improve internal and external communication            External Reports                                  Frequency
and information transparency. We expect such information to be
                                                                        Reports to FSA & IDX                                 69
able to assist, maintain and enhance knowledge, understanding
                                                                        Annual Report                                         1
and build confidence among the stakeholders about its policies
and activities. The up- to-date information about the Company is        Sustainability Report                                 1




                                                                                                                                             Performance
available to access by all stakeholders on Company’s portal (www.




                                                                                                                                               Portfolio
saratoga-investama.com) and it is presented in both Indonesian         Press Release
and English languages.
                                                                        Date                                    Title

As part of its compliance responsibility with information disclosure    26 January 2023     Saratoga Investment Summit 2023
                                                                                            Supports Efforts to Strengthen Investment
principles, the Company commits to submitting reports containing
                                                                                            in Technology and Renewable Energy
material information and facts through both letters and electronic                          Sectors
reporting to FSA and IDX. The Company discloses the information         13 March 2023       Saratoga’s Reached a Record High
for public access through electronic reporting system on the IDX                            Dividend Income of IDR2.6 trillion in 2022,




                                                                                                                                             Company
                                                                                                                                              Profile
website (www.idx.co.id).                                                                    with NAC Growing by 8% to IDR60.9 trillion
                                                                        15 May 2023         Saratoga Distributing       Dividends   and
                                                                                            Buying Back Shares
                                                                        29 July 2023        Saratoga Booked IDR1.5 trillion Dividend in
                                                                                            Semester I-2023
                                                                        30 October 2023     Saratoga Posts IDR49.8 trillion of NAV in
                                                                                            Q3-2023, Supported by Robust Cash Flow




                                                                                                                                             Management Discussion
                                                                                                                                                 and Analysis
Administrative Sanction
In 2023, there were no administrative sanctions imposed on the Company by either IDX or FSA.




Legal Case                                                                                                                                   Governance
                                                                                                                                              Corporate


We ensure that the Company, members of the BoC as well as members of the BoD were not involved in any legal cases that could
generate material impacts on, or expose the Company to certain risks.




Code of Conducts
                                                                                                                                             Corporate Social
                                                                                                                                              Responsibility




We have established a Code of Conduct, which has obtained              The Company’s commitment to acting ethically in all aspects of its
approval from both BoC and BoD on 25 June 2014. The Code of            business is based on the followings:
Conduct reflects the Company’s commitment to the application           • Respecting the rule of laws and regulations in the Republic of
of the highest standards of ethical behaviour, encouraging                 Indonesia, and showing respect for human rights;
proper ethical conduct, putting sanction to any misconduct, as         • Managing the Company’s financial and operational
well as developing and nurturing an ethical culture within the             performance to maximize the long-term value for its
Company, led by the Company’s shareholders, commissioners,                 shareholders while taking into account the interests of
and management, and followed by all employees.                             stakeholders;



                                                                                                                                            79
Page 82
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                             •   Conducting business with integrity and fairness, renouncing       behave in accordance with the internal policies as well as the
                                                                                 bribery and corruption or similar unacceptable business           prevailing laws and regulations along with ethical standards of
                                                                                 practices, and not giving or accepting gifts and entertainment    business conduct.
                                                                                 unless they fall under business custom, are immaterial and
                                                                                 infrequent;                                                       To ensure the effectiveness of the implementation of Code of
                                                                             •   Creating mutual advantage in all Company’s relationships to       Conduct, the Company has assigned Human Resources Division
                                                                                 build and foster trust; and                                       to set the internalization and socialization plans of the Code
                                                                             •   Demonstrating respect for the community where the                 of Conduct and corporate values to all organizational levels,
                                                                                 Company operates in, as well as for the natural environment.      including the BoC, the BoD, and the employees, using formal and
                                                                                                                                                   informal communication media, such as town-hall discussion and
                                                                             This Code of Conduct applies to all members of BoD, BoC and           briefing of the management, e-mail blast and others.
                                                                             all employees of the Company while interacting or building
                                                                             relationships with the stakeholders. The Code of Conduct              The detailed contents of the Code of Conduct are available for
                                                                             requires the members of BoC, BoD and all employees to act and         access on the Company’s website.




                                                                             Internal Control Systems

                                                                             Given the characteristic of the Company’s business, an effective      b. Reporting Objectives – pertaining to reliability of financial
                                                                             implementation of a sound internal control system is vital in            reporting, timeliness, transparency, or other terms as set forth
                                                                             supporting our efforts to safeguard the Company’s assets                 by regulators, recognized setters, or policies of the Company.
                                                                             and maintain its performance and compliance with laws and             c. Compliance Objectives –pertaining to the Company’s
                                                                             regulations.                                                             regulatory compliance.


                                                                             Therefore, the Company has established an internal control            Effectiveness and Efficiency of the Company’s
                                                                             function or unit that reports directly to the BoD and assists it in   Operations
                                                                             ensuring the fulfilment of objectives and business sustainability
                                                                             through activities, including:                                        The Company has assigned the internal auditor to conduct
                                                                             • evaluation of the implementation of the Company’s program;          ongoing assurance reviews of the internal control framework,
                                                                             • providing recommendations to improve the effectiveness of           using a risk-based approach, and then provide feedbacks to
                                                                                 the internal control system and risk management process;          the BoD and Audit Committee. The Company also requires its
                                                                             • evaluation of the Company’s compliance with Company’s               external auditor to submit periodical reviews as well as ensure
                                                                                 regulations, implementation of GCG, and                           the appropriate functioning of internal control framework, system,
                                                                             • facilitating a mutual coordination with external parties.           and procedures with minor defects.


                                                                             The Company thus adopts five key components of internal control       The Company’s management will then hold meetings of the BoD,
                                                                             that include the followings:                                          the BoC and management to present regular reviews and timely
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             1. An internal control environment disciplined and structured         updates on the business operations, the financial performances
                                                                                 within the Company.                                               as well as any business potentials the Company and its investee
                                                                             2. Assessment and management of business risks.                       companies can unlock to promote a business sustainability.
                                                                             3. Control activities.                                                This enables the Company’s management to deal with rapidly
                                                                             4. Information System and Communication.                              changing and increasingly competitive economic and business
                                                                             5. Monitoring.                                                        landscapes.


                                                                             Internal Control Objective                                            In the meantime, the Internal Audit Unit shall attend all Audit
                                                                                                                                                   Committee meetings and provides further inputs to senior
                                                                             To ensure the effective implementation of Internal Control, we        management executives as relevant so as to ensure that BoC’s
                                                                             have set the objectives which consist of 3 (three) categories,        views and recommendations are followed and implemented
                                                                             allowing the Company to focus on different aspects of internal        effectively and accurately. The Internal Audit Unit is also
                                                                             control:                                                              responsible for providing assurance of the compliance with
                                                                             a. Operation Objectives – pertaining to effectiveness and             the corporate policies and procedures, identifying any material
                                                                                 efficiency of the Company operations, including operational       weaknesses, and providing as well as communicating the
                                                                                 and financial performance goals, and safeguarding assets          recommendations to improve internal control to the appropriate
                                                                                 against loss.                                                     management officers.




80
Page 83
Statement of the Board of Directors and/or the                        implementation provided reasonable, but not absolute, assurance




                                                                                                                                            Performance Snaphot:
                                                                                                                                            Demonstrating Value
Board of Commissioners on Adequacy of the                             that the Company would not be affected by any event that could
Internal Control System Implementation                                be reasonably foreseen in its efforts to achieve the business
                                                                      objectives. The BoC also underlined that no system could provide
The BoC and BoD have been paying a close monitoring to                absolute assurance against the occurrence of material errors,
ensure the effectiveness of the internal control system within        poor judgement in decision-making, human error, fraud, or other
the Company. The management viewed that the system                    irregularities.




                                                                                                                                            Management
                                                                                                                                              Report
External Auditor

The Company has assigned an External Auditor to perform                             Public               Public
                                                                        Year                                                  Audit Fee
                                                                                Accountant Firm        Accountant




                                                                                                                                            Performance
audit activities to its financial statements. Pursuant to the GMS




                                                                                                                                              Portfolio
                                                                        2023    Siddharta Widjaja   Harry Widjaja,     IDR4,500,000,000
Resolution on 15 May 2023, the GMS agreed to grant an authority                 & Rekan             S.E., CPA
to BoC to appoint a registered Public Accountant Firm to audit the      2022    Siddharta Widjaja   Harry Widjaja,     IDR4,350,000,000
Company’s financial statement for the financial year ending on 31               & Rekan             S.E., CPA
December 2023. The BoC in that case approved the appointment            2021    Siddharta Widjaja   Harry Widjaja,     IDR4,060,000,000
of Siddharta Widjaja & Rekan (a member of KPMG global network)                  & Rekan             S.E., CPA

to perform the financial audit activity, and this appointment was
based on the recommendation letter of the Audit Committee to
the BoC dated October 10, 2023.                                       Information Disclosure on Share Ownership by




                                                                                                                                            Company
                                                                                                                                             Profile
                                                                      Management
The year 2023 was the eleventh consecutive year for Public
Accounting Firm Siddharta Widjaja & Rekan (a member of KPMG           The Company’s strong commitment to transparency is one of
global network) and the fourth year for Public Accountant Harry       which realized through the establishment of the BoD and BoC
Widjaja, S.E., CPA, to serve the Company as a signing partner of      Board Charter, requiring our Board members to report any sale
an Independent Auditor’s Report for financial year 2023.              and purchase transactions of their shares in the Company to the
                                                                      Corporate Secretary within 3 (three) business days.
The appointed Public Accounting Firm was considered to have




                                                                                                                                            Management Discussion
completed its audit work independently and in accordance with         The Corporate Secretary will then disclose the changes in share




                                                                                                                                                and Analysis
professional standards of public accountant and the contracts         ownership of the BoD and BoC members as required in Article 4
signed on 12 October 2023 and the scope of audit works.               of the FSA Regulation No.11/POJK.04/2017 regarding Reporting of
                                                                      Changes in Share Ownership in Public Companies.
In 2023 Public Accounting Firm Siddharta Widjaja & Rekan (a
member of KPMG global network) performing the financial audit         As of today, the Company actively reports the ownership or
works for the financial year 2023, and other non-audit services to    changes of share ownership through Monthly Report of Securities
the Company.                                                          Holders Registration in the website of Indonesia Stock Exchange
                                                                      and the Company’s website.


                                                                      The Policy Implementation in 2023
                                                                                                                                            Governance
                                                                                                                                             Corporate


                                                                      As part of our compliance with Article 4 of FSA Regulation
                                                                      No. 11/POJK.04/2017 regarding Reporting of Changes in Share
                                                                      Ownership in Public Companies and to reflect our commitment
                                                                      to transparency, the Corporate Secretary has provided the
                                                                      disclosure of information relating to any changes in share
                                                                      ownership of members of the BoD and BoC during the year
                                                                      2023.
                                                                                                                                            Corporate Social
                                                                                                                                             Responsibility




                                         Number of                                             Reporting Date
     Name               Position                       Exercise Price (IDR) Transaction Date                         Transaction Purpose
                                       Shares (shares)                                         To FSA and IDX

Edwin             President              12,950,000          1,550         15 June 2023        15 June 2023      Investment
Soeryadjaya       Commissioner
Michael W.P.      President Director        908,500          1,700         3 July 2023         5 July 2023       Implementation of the
Soeryadjaya                                                                                                      Company’s Long Term
                                                                                                                 Incentive Program




                                                                                                                                           81
Page 84
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report



                                                                                                                      Number of                                             Reporting Date
                                                                                   Name              Position                       Exercise Price (IDR) Transaction Date                      Transaction Purpose
                                                                                                                    Shares (shares)                                         To FSA and IDX

                                                                             Lany D. Wong      Director                 2,508,600          1,700        3 July 2023         5 July 2023      Implementation of the
                                                                                                                                                                                             Company’s Long Term
                                                                                                                                                                                             Incentive Program
                                                                             Devin Wirawan Director                     2,355,700          1,700        3 July 2023         5 July 2023      Implementation of the
                                                                                                                                                                                             Company’s Long Term
                                                                                                                                                                                             Incentive Program
                                                                             Edwin             President                15,100,000         1,575        11 August 2023 14 August             Investment
                                                                             Soeryadjaya       Commissioner                                                            2023
                                                                             Edwin             President                 6,710,300 Average price 3 3 November               8 November       Investment
                                                                             Soeryadjaya       Commissioner                        November 2023: and 6                     2023
                                                                                                                                   1,418,72        November
                                                                                                                                                   2023
                                                                                                                                   Average price 6
                                                                                                                                   November 2023:
                                                                                                                                   1,425



                                                                                                                      Number of                                             Reporting Date
                                                                                   Name              Position                       Exercise Price (IDR) Transaction Date                      Transaction Purpose
                                                                                                                    Shares (shares)                                         To FSA and IDX

                                                                             Edwin             President                15,100,000         1,463        20 November         22 November      Investment
                                                                             Soeryadjaya       Commissioner                                             2023                2023


                                                                             Incentive Program for Management and/or                               In 2023, pursuant to EGMS resolution on 15 May 2023, the
                                                                             Employees                                                             shareholders approved the Board of Directors’ plan to allocate
                                                                                                                                                   and distribute treasury shares derived from the share buyback for
                                                                             Pursuant to EGMS resolution on 15 June 2016, the shareholders         the exercise of LTIP to the Company's employees, a maximum of
                                                                             agreed to authorize the Board of Directors to implement the Long-     23,000,000 shares.
                                                                             Term Incentive Program (LTIP) that was entitled to employees
                                                                             based on performance and term of office.




                                                                             Whistleblowing
                                                                             System

                                                                             The Company establishes a Whistleblowing System as a                  in the case, dates and places wherever possible and the reasons
                                                                             mechanism to facilitate any concerns about the Company’s              for the concerns. The, the whistleblower may send the report to
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             misconduct from external parties, or any employees who have a         an assigned email address or by mailing the following address:
                                                                             complaint about the Company’s accounting, internal accounting
                                                                             controls, auditing matters, and any other matters in general.
                                                                                                                                                                  PT Saratoga Investama Sedaya, Tbk.
                                                                             Any cases that can be reported according to our whistleblowing                                15th Menara Karya
                                                                             policy include:                                                            Jalan. H.R. Rasuna Said Block X-5, Kav. 1-2 South Jakarta
                                                                             • Unusual/questionable accounting or auditing practices                                        12950, Indonesia
                                                                             • Disclosure matters                                                        Email: whistleblowing.report@saratoga-investama.com
                                                                             • Internal controls lapse or override
                                                                             • Insider trading
                                                                             • Conflict of interest                                                The Company will process any incoming reports promptly within
                                                                             • Serious breaches of the Company and its Group policy                a reasonable timeframe and pursue a detailed investigation
                                                                             • Collusion with competitors                                          if necessary. Yet, unreasonable reports with no supporting
                                                                             • Unsafe work practices or                                            documents or evidence cannot be processed.
                                                                             • Any other matters involving fraud, corruption and employee
                                                                                 conduct                                                           The Internal Audit Unit will endeavour to ensure that the
                                                                                                                                                   investigations are conducted as fast and sensitively as possible
                                                                             Through the whistleblowing mechanism, the whistleblower, in           without affecting the quality and the depth of these investigations.
                                                                             a good faith, shall submit a written report that clearly states the   In the meantime, the Company will keep the whistleblower
                                                                             background and history of the matter, names of persons engaging       informed with the progress and outcome of the investigation in
                                                                                                                                                   written.



82
Page 85
During the process, the Company will keep the identity of the           The Company’s Code of Conducts clearly regulates anti-




                                                                                                                                                   Performance Snaphot:
                                                                                                                                                   Demonstrating Value
whistleblower that reports a violation or suspected violation           corruption and anti-fraud policy relating to the following subjects:
confidential to the extent possible, consistent with the need to        1. Anti-Bribery, Kickbacks and Facilitation Payments
conduct an adequate investigation of the matter in question as              The Company requires all Saratoga’s Persons, including
well as to protect the whistleblower from any possible retaliation          their affiliates, shall never offer or accept a bribe, facilitation
acts from the parties involved. The Company values the voluntary            payment, kickback, or other improper payment for any
help of the employees to identify potential problems that the               reason. The direct or indirect offer, payment, soliciting or
Company needs to address. Any employees, who have raised                    acceptance of bribes in any form by Saratoga’s Persons and/
a concern honestly or participated in an investigation, could               or their affiliates, is totally unacceptable.
not be the basis for any adverse employment action, including           2. Anti-Money Laundering




                                                                                                                                                   Management
termination, demotion, suspension, loss of benefits, threats,               All Saratoga’s Persons including their affiliates are prohibited




                                                                                                                                                     Report
harassment, or discrimination.                                              from engaging in or facilitating money laundering act. Anyone
                                                                            who is found guilty of engaging in money laundering activity,
For any cases that can be proven to have violated the prevailing            even if unintended, could result in civil and criminal penalties
laws and the code of conduct, the Company will take any                     against such person and the Company.
necessary actions promptly and put any sanctions to those found         3. Gifts and Entertainment
guilty of the wrongdoings to the extent that such actions and/or            Gifts and entertainment can foster goodwill in business




                                                                                                                                                   Performance
sanctions are allowed by internal corporate policies and by laws.           relationships; however, concerns arise when they may




                                                                                                                                                     Portfolio
                                                                            compromise, or appear to compromise, the propriety of the
In 2023, the Internal Audit did not receive any incoming reports            Company’s business relationships or trigger an actual or
or queries on potential breaches of the Code through the                    apparent conflict of interest.
whistleblower channel.
                                                                        The Company accordingly has set the acceptable limits for the
Prevention Against Insider Trading Policy                               value of gift and entertainment that may be received or offered
                                                                        by any Saratoga’s Persons, namely up to maximum USD200 (two
Given the characteristics of our business, the Company is               hundred United States Dollars). Gifts and entertainment that is




                                                                                                                                                   Company
                                                                                                                                                    Profile
exposed to the risk of potential insider trading act committed          worth more than USD200 (two hundred United States Dollars)
by BoC and BoD members or our employees in the personal or              is not acceptable whenever possible. In certain circumstances
group’s interests.                                                      where it is not possible to turn down the gift, Saratoga’s Persons
                                                                        should accept the gift on behalf of the Company and should give
Therefore, the Company has established a policy that requires           in the gift to Human Resources Division which will further use it for
BoC and BoD members or our employees to not divulge or use              the Company’s purposes.
confidential or insider information about the Company and/or
its investee companies in stock trading. This policy shall apply        Anti-Money Laundering Policy




                                                                                                                                                   Management Discussion
whether the buying, selling, or transferring is carried out by or for




                                                                                                                                                       and Analysis
the BoC and/or BoD members or their associates, including their         The Company has a strict policy that requires its personnel to act
spouse and dependent children and all employees where they              against money laundering and any activity that facilitates money
have any influence over investment decisions. It is the obligation      laundering or the funding of terrorist or criminal activities. Money
of the BoC and/or BoD members and all employees to comply               laundering is generally defined as engaging in acts designed to
with this policy.                                                       conceal or disguise the true origins of criminally derived proceeds
                                                                        so that the proceeds appear to have derived from legitimate
The Company will strictly monitor the internal compliance with          origins or constitute legitimate assets. Therefore, it is important for
this policy. Any violation of such policy will result in disciplinary   all employees to comply with the requirements of the prevailing
actions which may include the termination of employment. In             anti-money laundering laws and regulations.
addition, severe criminal and civil penalties may be imposed for
                                                                        The Implementation of IT Governance
                                                                                                                                                   Governance

breach of insider trading laws.
                                                                                                                                                    Corporate




In 2023, we ensured no insider trading act ever carried out by the      The implementation of IT governance is merely to give adequate
Directors, Commissioners, or the employees of the Company that          assurance to the management of the Company that we have
resulted in adverse impacts to the Company and/or its investee          reliable information security system to support the Company’s
companies.                                                              resilience against the risk of IT disruption due to cyber attack.
                                                                        We have established the policies concerning the IT procedures,
Anti-Corruption and Anti-Fraud Policy                                   development and execution plan, as well as disaster recovery plan,
                                                                        providing us with adequate assurance that we have managed the
                                                                                                                                                   Corporate Social
                                                                                                                                                    Responsibility




Our growing business is potentially exposed to corruption               IT related risks and prepared the mitigation plan as we integrate
and fraud practices that can generate adverse impacts to the            them into our comprehensive risk management strategies.
Company’s financial or operational activities. Thus, to pursue
accountability of the Company, we prohibit each member of
BoC, BoD, executives, and employees of the Company to offer or
accept any form of bribery, and to conduct and/or participate in
any acts of bribery and/or corruption.




                                                                                                                                                  83
Page 86
                                                                             Risk
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Management

                                                                             As the business expands, Saratoga is exposed to various risk       2. Instilling a risk-awareness culture in the Company.
                                                                             profiles that may hamper its efforts to achieve both short-        3. Implementing risk management according to best practice.
                                                                             and medium-term goals as well as the long- term goals set by
                                                                             the management. As part of our efforts to pursue business          The BoD plays an active role in preparing and ensuring the
                                                                             sustainability, the Company has established a Risk Management      implementation of the Company’s risk management plan. Then,
                                                                             Unit (RMU) to manage the internal and external risks and prepare   under the Audit Committee’s oversight, the BoD establishes of the
                                                                             for the mitigation acts.                                           RMU and regularly monitor the progress of the implementation
                                                                                                                                                of the risk management plan. The Audit Committee escalates
                                                                             RMU is integral to GCG assurance, working alongside the Internal   major issues to the BoC, who oversees the Company’s balance
                                                                             Audit Unit. The Risk Management Unit (RMU) is responsible for      in creating value and managing risks and provides advice to the
                                                                             the following objectives:                                          BoD on further actions.
                                                                             1. Identifying, assessing, managing, and monitoring key risks
                                                                                 together with the BoD and business unit heads to achieve       Discussion on risk appetite is done within the management level’s
                                                                                 sustainable growth and protect the interests of shareholders   internal meetings. RMU is required to attend those meetings,
                                                                                 and stakeholders.                                              takes note, and may raise issues that are required to be escalated.



                                                                             Risk Profile

                                                                                                          Risks                                                            Mitigations

                                                                             Social-Political, Market, and Economic Risks

                                                                             Social-political, market, and economic conditions may have an      We closely monitor the fluctuation of domestic and global
                                                                             impact on the Company’s business, potentially influencing the      macroeconomic indicators and analyse its potential impact on
                                                                             value of its investments and limiting investment opportunities.    the Company’s performance.
                                                                             These factors may affect our financial performance and
                                                                             conditions.                                                        In some circumstances, unfavourable market conditions may
                                                                                                                                                offer new investment opportunities.

                                                                             Risk of Expansion to New Business and Market

                                                                             As an investment company, we strive to add value to our            We follow a rigorous and disciplined investment process, which
                                                                             portfolio by identifying opportunities. Expansion into new         includes strict multi-discipline analysis and due diligence. This
                                                                             business lines and geographic markets and implementation of        approach allows us to capture valuable opportunities and make
                                                                             a new investment strategy can create risks and uncertainties in    informed investment decisions.
                                                                             our business.
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             Exposure to Industry Risk in Which Our Investee Operate

                                                                             Our investee companies operate in several industries within the    We diversify our exposure by investing in three key sectors and
                                                                             Natural Resources, Infrastructure, and Consumer sectors, each      establishing multiple platforms within each industry. To diversify
                                                                             inherently exposed to a specific set of risks.                     our risk, we will continue to focus our investment on key sectors
                                                                                                                                                such as Healthcare, the Green Economy, Digital Infrastructure,
                                                                                                                                                and Consumer-related sectors

                                                                                                                                                To mitigate potential risks, we regularly conduct risk management
                                                                                                                                                reviews and devise action plans for listed and unlisted investee
                                                                                                                                                companies with substantial holdings.

                                                                             Market Risk

                                                                             The Company’s financial performance may be negatively              We manage our USD liabilities through a two-pronged approach.
                                                                             impacted by market fluctuations, which can include changes
                                                                             in share prices, interest rates, and foreign currency exchange     Our investments, such as in PT Adaro Energy Indonesia, Tbk.,
                                                                             rates.                                                             and PT Merdeka Copper Gold Tbk., provide a natural hedge
                                                                                                                                                against our USD liabilities.

                                                                                                                                                In addition, we actively manage remaining liabilities through the
                                                                                                                                                spot market and other short-term derivative products. We also
                                                                                                                                                continue to explore long-term hedging opportunities for a more
                                                                                                                                                comprehensive risk management strategy.




84
Page 87
                                Risks                                                                Mitigations




                                                                                                                                                  Performance Snaphot:
                                                                                                                                                  Demonstrating Value
Risk of Dependency on Founders and Key Executives

The loss of services from our founders and executives could               Recognizing the importance of succession planning, Our
have a material adverse impact on our business.                           HR strategy includes a formal succession plan and talent
                                                                          management programs.

                                                                          This comprehensive approach ensures the availability of
                                                                          qualified candidates for senior-level positions. The Nomination
                                                                          and Remuneration Committee oversees this process, including
                                                                          succession planning and performance reviews for senior executives.




                                                                                                                                                  Management
Risk of Employee Negligence and Misconduct




                                                                                                                                                    Report
Employee misconduct can severely harm the Company’s ability               We employ a rigorous recruitment process for our employees and
to attract investment and expose it to substantial financial loss,        representatives in investee companies. Our Human Resources
legal liability, and reputational damage.                                 Department ensures compliance with regulations through
                                                                          a comprehensive program that includes a code of conduct,
                                                                          training, and ongoing communication. To further align employee
                                                                          and company interests, we conduct individual performance
                                                                          reviews and award bonuses based on the Company’s overall
                                                                          performance.




                                                                                                                                                  Performance
                                                                                                                                                    Portfolio
Risk Due to Regulatory and Legal Complexities

Our business and investment activities may involve substantial            Ensuring compliance with applicable laws and regulations is
business, regulatory or legal complexities that may entail higher         our utmost priority, especially those that relate to our business
level of regulatory scrutiny or greater risk of contingent liabilities.   activities. We constantly keep ourselves informed of any legal
                                                                          and regulatory updates to identify potential risks and develop
                                                                          effective plans to mitigate them.

                                                                          Our commitment to compliance extends to the capital market,




                                                                                                                                                  Company
                                                                          where we abide by all regulatory rules and requirements. We




                                                                                                                                                   Profile
                                                                          work closely with legal consultants to reinforce our risk mitigation
                                                                          strategies when necessary.

Risk Due to Pandemic and its Implication to Company’s Operation

The pandemic may significantly impact the operations of the               Employee health and safety remain our top priority across all
Company’s over an extended period of time.                                operations. We actively follow the latest regulations as stipulated
                                                                          by Local Governments.

                                                                          Throughout the COVID-19 pandemic, we implemented a




                                                                                                                                                  Management Discussion
                                                                          comprehensive approach that involved implementing work-
                                                                          from-home arrangements, social distancing protocols, employee




                                                                                                                                                      and Analysis
                                                                          shift adjustments, and restrictions on in-person public interaction.
                                                                          These measures aimed to minimize transmission risks and
                                                                          ensure a safe work environment.



Evaluation of the Effectiveness of the Risk                               Statement of the Board of Directors and/or the
Management System in 2023                                                 Board of Commissioners or Audit Committee
                                                                          on Adequacy of the Risk Management System
We have been conducting review of the implementation of the
risk management plan in 2023. The RMU has analysed and gave               The BoD saw that the implementation of risk management
                                                                                                                                                  Governance

some recommendations on risk appetites that could be identified           systems has been adequate and effective in 2023, which
                                                                                                                                                   Corporate


and needed to escalate in 2023. With an adequate and effective            provided reasonable, but not absolute, assurance of the
Risk Management System, the management was provided with                  Company’s solid fundamentals to anticipate the adverse impacts
positive inputs and prepared appropriate responses and actions,           of any event that could be reasonably foreseen as it strived
thus providing flexibility to the organization to adapt to the            to achieve its business objectives. However, the BoD also
challenges the Company faced amid a rapidly changing business             underlined that no system could provide absolute assurance
landscape in the relevant financial year. Still, we are continuously      against the occurrence of material errors, poor judgement in
reviewing the effectiveness of our Risk Management processes              decision-making, human error, fraud, or other irregularities,
and systems to ensure the agility of our organization to the              thus requiring us to consistently enhance the quality of
                                                                                                                                                  Corporate Social
                                                                                                                                                   Responsibility




ongoing business dynamics and maintain sustainable profitable             implementation of the risk management plan and integrate it
growth.                                                                   with internal control systems to establish the agility as well as
                                                                          accountability of the Company.




                                                                                                                                                 85
Page 88
                                                                             Implementation of the Corporate
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Governance Guidance

                                                                             As a publicly listed company, we are required to adhere to the Financial Services Authority’s Circular Letter No. 32/SEOJK.04/2015
                                                                             on the Corporate Governance Guidance for Public Companies dated November 17, 2015, which regulates 5 (five) aspects, 8 (eight)
                                                                             principles, and 25 (twenty-five) recommendations on the implementation of aspects and principles of a Good Corporate Governance.
                                                                             Based on Comply or Explain principle, we have provided explanation and alternative implementation for any recommendations that
                                                                             have not yet implemented in the financial year 2023 in regard to the regulatory compliance.


                                                                                                           Recommendations                                                     Remarks
                                                                                                                                                                           (Comply or Explain)

                                                                             Public Companies have voting procedures, either for open voting or close           Complied
                                                                             voting, which focusing on independency and the interest of the shareholders.

                                                                             All members of the BoD and the BoC of the public companies are present in          Complied
                                                                             the Annual General Meeting of shareholders.

                                                                             Summary of the minutes of the General Meeting of Shareholders are available        Complied
                                                                             on the website of the public companies for at least 1 (one) year.

                                                                             The public companies’ have a communication policy with the shareholders or         Complied
                                                                             investors.

                                                                             The public companies disclose such communication policy with the                   Complied
                                                                             shareholders or investors on the website of the Company.

                                                                             Determination on the number of the members of the BoC considering the              Complied
                                                                             condition of the public companies.

                                                                             Determination on the composition of the member of the BoC based on the             Complied
                                                                             variety of required skill, knowledge, and experience.

                                                                             The BoC shall have self-assessment policy to assess the performance of the         Complied
                                                                             BoC.

                                                                             Such self-assessment policy to assess the performance of the BoC shall be          Complied
                                                                             disclosed in the Annual Report of the public companies.

                                                                             The BoC has a policy with regards to the resignation of the member of the BoC      Complied
                                                                             if being involved in financial crime.

                                                                             The BoC or the Nomination and Remuneration Committee prepares succession           Complied
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             policy for nomination process of a member of the BoD.

                                                                             Determination on the number of the member of the BoD considering the               Complied
                                                                             condition of the public companies and effectively in making a decision.

                                                                             Determination on the composition of the member of the BoD based on the             Complied
                                                                             variety of required skill, knowledge, and experience.

                                                                             The Director supervises the Accounting or Financial Division shall has the skill   Complied
                                                                             and/or knowledge in accounting sector.

                                                                             The BoD shall have self-assessment policy to assess the performance of the         Complied
                                                                             BoD.

                                                                             Such self-assessment policy to assess the performance of the BoD shall be          Complied
                                                                             disclosed in the Annual Report of the public companies.

                                                                             The BoD has a policy with regards to the resignation of the member of the BoD      Complied
                                                                             if being involved in financial crime.

                                                                             The public companies have a policy to avoid insider trading.                       Complied

                                                                             The public companies have anti-corruption and anti-fraud policy.                   Complied




86
Page 89
                                                                                                                                Performance Snaphot:
                                                                                                                                Demonstrating Value
                             Recommendations                                                     Remarks
                                                                                             (Comply or Explain)




                                                                                                                                Management
                                                                                                                                  Report
The public companies have a policy on selecting and improving the                Explanation
performance of its supplier or vendor.                                           The recommendation is not relevant with the
                                                                                 Company’s business activities.

The public companies have a policy with regards to the compliance of the         Complied
creditors’ rights.

The public companies have whistleblowing system policy.                          Complied




                                                                                                                                Performance
                                                                                                                                  Portfolio
The public companies have a policy on granting long-term incentives to the       Complied
BoD and the employees.

The public companies utilize the information technology more broadly other       Complied
than the website as the media for disclosure of information.

The Annual Report of the public companies disclose the ultimate beneficial       Complied
owner in the shareholding of the public companies at least 5% (five percent),
other than the disclosure of the ultimate beneficial owner in the shareholding
of the public companies through the main shareholder and the controller.




                                                                                                                                Company
                                                                                                                                 Profile
                                                                                                                                Management Discussion
                                                                                                                                    and Analysis
                                                                                                                                Governance
                                                                                                                                 Corporate
                                                                                                                                Corporate Social
                                                                                                                                 Responsibility




                                                                                                                               87
Page 90
                                                                                                                                    88
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report   Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation
Page 91
    Performance Snaphot:    Management     Portfolio   Company    Management Discussion    Corporate   Corporate Social
    Demonstrating Value       Report     Performance    Profile       and Analysis        Governance    Responsibility




                                                                                                                          89
         Corporate Social
         Responsibility
Chapter 07
Page 92
                                                                             Corporate Social
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Responsibility

                                                                             We proudly embrace our Corporate Social Responsibilities (CSR) initiatives
                                                                             as a proactive response to the global call for action in line with the United
                                                                             Nations’ Sustainable Development Goals (SDGs) programs.

                                                                             Our commitments to these initiatives stems from an innate passion to
                                                                             contribute meaningfully and create significant impacts. To guide our CSR
                                                                             endeavours, we carefully identify areas where our contributions can be most
                                                                             effective, aligning with ISO 26000 requirements to establish a business model
                                                                             that not only consistently promotes sustainable finance but also has socially-
                                                                             responsible operations.


                                                                             In steadfast dedication to these principles, we successfully         within our investee companies. Carefully designed to with the
                                                                             implemented our first-year ESG Roadmap in 2023. This                 objectives of the SDGs No. 4: Quality Education, SDGs No. 5:
                                                                             comprehensive roadmap sets clear targets, ensuring that our          Gender Equality, SDGs No. 7: Affordable and Clean Energy, SDGs
                                                                             contributions align seamlessly with the focus area of SDGs           No. 8: Decent Work and Economic Growth, and SDGs No. 13:
                                                                             programs.                                                            Climate Action, these programs reflect our steadfast commitment
                                                                                                                                                  to fostering positive change and driving progress towards a
                                                                             Our commitments are further solidified through a series              brighter, more sustainable future.
                                                                             of initiatives underpinning Community Involvement and
                                                                             Development (CID), which served through three main pillars:          In 2023, we heightened our dedication to community
                                                                             Community Empowerment, Environmental Protection and Social           empowerment through education enhancement programs. in
                                                                             and Cultural Development.                                            which we granted scholarships for 10 students of SMK OEL. In
                                                                                                                                                  addition, we increased our participation in economic development
                                                                             Community Empowerment                                                by holding a 1-year Entrepreneurship Program for Youth. This
                                                                                                                                                  initiative provided golden opportunities for 5 college students,
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             Over the years, we have placed significant emphasis to education     imparting essential life skills like innovation, responsibility, finance
                                                                             and enhancement of human resource competence. We firmly              literacy, and leadership – key factors we believe will shape them
                                                                             believe that our contributions in these areas create opportunities   into aspiring young entrepreneurs.
                                                                             for everyone to thrive and to succeed in their respective fields.
                                                                                                                                                  These initiatives reflect our commitment to nurturing the
                                                                             In collaboration with our investee companies and valued partners,    potential in every individual, particularly students, by providing
                                                                             we developed a variety of educational and training programs          ample opportunities for learning and growth. We envision that
                                                                             aimed at enhancing skills and knowledge. These initiatives           the heightened skills and knowledge acquitted through these
                                                                             empower individuals to improve their capabilities also provide       programs will serve as valuable assets not only for the individuals
                                                                             them with a fair opportunity to embark on a fulfilling career        involved but also for the prosperity of the next generation.




90
Page 93
                                                                                                                                              Performance Snaphot:
                                                                                                                                              Demonstrating Value
                                                                                                                                              Management
                                                                                                                                                Report
                                                                                                                                              Performance
                                                                                                                                                Portfolio
Social and Cultural Development                                      A noteworthy manifestation of our environmental commitments is
                                                                     our longstanding partnership with Yayasan Eco Learning Camp,
Saratoga proudly upholds its commitments to address social           initiated in 2015. Through this collaboration, we introduced the
and cultural development issues, recognizing our roles as a          “To be a New Green Leader” training program, aimed at raising
responsible corporate citizen. We believe in fostering harmonious    awareness about the importance of preserving nature for the
coexistence with the communities and environments where              future generations. The program not only cultivates Agents of




                                                                                                                                              Company
                                                                                                                                               Profile
Saratoga and its investee companies operate, fulfilling our social   Change within communities but also encourages tangible actions
responsibility through contributions that enhance the well-being     toward environmental protection.
and quality of life for those in need.
                                                                     Over nearly a decade, the program has successfully produced
Our initiatives in social and cultural align with the objectives     a total of 568 Green Leaders who also serve as our Agents of
of SDGs No. 1: No Poverty and SDGs No. 11: Sustainable Cities        Change. Positive impacts abound, with increased awareness
and Communities. In 2023, we supported for the annual Batik          among students from elementary to high schools regarding the
Exhibition of Yayasan Batik IGN.                                     adverse effects of plastic use. This awareness has led to creative




                                                                                                                                              Management Discussion
                                                                     an innovative solutions, such as Medan elementary school




                                                                                                                                                  and Analysis
Together with Habitat for Humanity, we enhanced our social           headmaster and students collaborating to build solar panel
engagement by contributing to the construction of a Very Simple      system as an alternative energy for the school.
House (Rumah Sangat Sederhana) in Gresik, East Java, also
participating in a renovation project for a nursing home at Rempoa   We take pride in highlighting various achievements in
– Tangerang, distribution of 400 packages of daily needs to          environmental protection, including heighted awareness among
elderly women at Cilincing, North Jakarta and East Jakarta area.     villagers about the benefits of recycled garbage. Their voluntary
We also organized a heart-warming Christmas celebration for 70       participation in collecting garbage for the waste bank exemplifies
elderly individuals in Tangerang.                                    a grassroots solution to pollution, contributing to a cleaner and
                                                                     more sustainable environment.
Environmental Protection
                                                                                                                                              Governance

                                                                     In 2023, we reaffirmed our steadfast commitment to environmental
                                                                                                                                               Corporate


The third pillar of our ESG Roadmap, focusing on environmental       responsibility through a series of impactful initiatives. One notable
protection, holds particular significance, especially for investee   endeavour was the Teacher Training Program, a comprehensive
companies in the natural-resources sector. In our approach, we       11-day initiative held in collaboration with Eco Learning Camp.
engage a diverse range of stakeholders, from public figures in       This program brought together 35 teachers and local leaders
the communities, teachers to influencers, young trendsetters,        from across Indonesia, fostering a collective understanding and
key opinion leaders, and local NGOs. This inclusive participation    awareness of the crucial role we play in preserving the planet for
empowers individuals to become the green heroes in their             future generations.
respective fields.
                                                                                                                                              Corporate Social
                                                                                                                                               Responsibility




                                                                                                                                             91
Page 94
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                             Additionally, we actively supported the “Bicara Udara” program,         To learn more about our community involvement initiatives and
                                                                             promoting Clean Air Awareness within Greater Jakarta area.              CSR programs, we invite you to explore the Saratoga 2023
                                                                             This initiative serves as a catalyst for individuals to recognize the   Sustainability Report. This comprehensive document provides
                                                                             significance of their daily activities, such as power generation,       valuable insights into our commitment to making a positive impact,
                                                                             industrial operations, and transportation, in contributing to           showcasing the diverse ways we contribute to the well-being of
                                                                             air quality. It is our belief that through increased awareness,         communities and the environment. Dive into our sustainability
                                                                             individuals will be motivated to adopt practices that minimize          journey and discover how we are driving meaningful change for a
                                                                             environmental impacts.                                                  brighter and more sustainable future.

                                                                             Our contributions to environmental preservation are intricately         Employee Health, Safety and Welfare
                                                                             aligned with the Sustainable Development Goals (SDGs).
                                                                             Specifically targeting SDGs No. 7: Affordable and Clean Energy,         Employee satisfaction is always our top priority. Given the fact that
                                                                             SDGs No. 12: Responsible Consumption and Production, SDGs               human capital is our most valuable assets in ensuring the success
                                                                             No. 13: Climate Action and SDGs No. 15: Life on Land. Through           of our investment strategies and in meeting our commitment to
                                                                             these initiatives, we aspire not only to meet but exceed these          the shareholders and stakeholders, Saratoga thrives on providing
                                                                             goals, contributing to a cleaner, more sustainable future for all.      attractive remuneration packages that exceed the industry’s
                                                                                                                                                     average. Our employee remuneration encompass salary and a
                                                                             CSR Allocations for 2023                                                number of benefits, including health insurance, vacation time,
                                                                                                                                                     retirement plans, and other support services, reflecting our
                                                                             To support our CSR initiatives in 2023, Saratoga has allocated a        unambiguous commitment to employee welfare.
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             budget of IDR1,223,065483 with details as follows:


                                                                                           Program Category                     Budget(IDR)

                                                                              Community Empowerment                               496,902,300
                                                                              Social and Cultural Development                       226,163,183
                                                                              Environmental Protection                            500,000,000
                                                                              Total                                             1,223,065,483




92
Page 95
                                                                                                                                           Performance Snaphot:
                                                                                                                                           Demonstrating Value
                                                                                                                                           Management
                                                                                                                                             Report
                                                                                                                                           Performance
                                                                                                                                             Portfolio
Beyond remuneration, we always reaffirm our strong commitment          Those commitments not only incite higher productivity among
to establishing a vibrant and safe working environment that lure       our employees but also keep our employees to be loyal with the
competent professionals to join and develop their career in the        Company, underlining our effort to maintain one of the lowest
company. For their safety, the Company has conducted work              employee turnover rates of any company in Indonesia today.
safety measures according to the basic safety standards and




                                                                                                                                           Company
                                                                                                                                            Profile
guidelines, such as ensuring the availability of fire extinguishers,   We discuss further about employee welfare in Human Capital
the accessibility of emergency exits, evacuation protocols,            Section of this Annual Report or Sustainability Report, which is
the availability of first-aid kits, and other safety factors. The      prepared as a separate document.
implementation of safety precautions has helped Saratoga
maintain zero accident across its operations.




                                                                                                                                           Management Discussion
                                                                                                                                               and Analysis
                                                                                                                                           Governance
                                                                                                                                            Corporate
                                                                                                                                           Corporate Social
                                                                                                                                            Responsibility




                                                                                                                                          93
Page 96
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                                      Statements of Responsibility
                                                                                  by the Members of the Board of Commissioners
                                                                                           and the Board of Directors



                                                                             We, the undersigned, do hereby declare that all information in the 2023 Annual Report of
                                                                             PT Saratoga Investama Sedaya Tbk. are presented in full and that we are fully accountable
                                                                                       for the accuracy of the information contained in said Annual Report.

                                                                                                     We attest to the integrity of this statement.

                                                                                                                Jakarta, 2 April 2024



                                                                                                           BOARD OF COMMISSIONERS




                                                                                                                EDWIN SOERYADJAYA
                                                                                                                President Commissioner




                                                                               JOYCE SOERYADJAYA KERR                                                INDRA CAHYA UNO
                                                                                     Commissioner                                                       Commissioner
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                                    SIDHARTA UTAMA                                            ANANGGA W. ROOSDIONO
                                                                                Independent Commissioner                                      Independent Commissioner



                                                                                                             BOARD OF DIRECTORS




                                                                                                             MICHAEL W. P. SOERYADJAYA
                                                                                                                  President Director




                                                                                     LANY D. WONG                                                    DEVIN WIRAWAN
                                                                                        Director                                                         Director




94
Page 97
Financial
Statements
PT Saratoga Investama Sedaya Tbk.
and Subsidiaries
Consolidated Financial Statements
Years Ended 31 December 2023 and 2022
Page 98
                                                                                                                                    96
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report   Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation
Page 99
PT SARATOGA INVESTAMA SEDAYA Tbk
         DAN ENTITAS ANAK/
PT SARA TOGA INVESTAMA SEDA YA Tbk
          AND SUBSIDIARIES



    LAPORAN KEUANGAN KONSOLIDASIAN /
    CONSOLIDATED FINANCIAL STATEMENTS

       31 DESEMBER 2023 DAN 2022 /
        31 DECEMBER 2023 AND 2022
Page 100
         PT SARATOGA INVESTAMA SEDAYA Tbk.                          PT SARATOGA INVESTAMA SEDAYA Tbk.
                 DAN ENTITAS ANAK                                            AND SUBSIDIARIES



                      DAFTAR ISI                                                    CONTENTS


                                                        Ekshibit/
                                                         Exhibit

Pernyataan Direksi Tentang Tanggung Jawab                              Board of Directors’ Statement of Responsibilities

Laporan Keuangan Konsolidasian                                                        Consolidated Financial Statements
  31 Desember 2023 dan 2022:                                                      As of 31 Desember 2023 and 2022:


  Laporan Posisi Keuangan Konsolidasian                    A           Consolidated Statements of Financial Position


  Laporan Laba Rugi dan Penghasilan Komprehensif Lain                  Consolidated Statements of Profit or Loss and
     Konsolidasian                                         B                       Other Comprehensive Income


  Laporan Perubahan Ekuitas Konsolidasian                  C          Consolidated Statements of Changes in Equity


  Laporan Arus Kas Konsolidasian                          D                  Consolidated Statements of Cash Flows


  Catatan atas Laporan Keuangan Konsolidasian              E         Notes to the Consolidated Financial Statements
Page 101

          
Page 102
                                                            Ekshibit A                                                                    Exhibit A

   PT SARATOGA INVESTAMA SEDAYA Tbk. DAN ENTITAS ANAK                           PT SARATOGA INVESTAMA SEDAYA Tbk. AND SUBSIDIARIES
          LAPORAN POSISI KEUANGAN KONSOLIDASIAN                                     CONSOLIDATED STATEMENTS FINANCIAL POSITION
                 31 DESEMBER 2023 DAN 2022                                                    31 DECEMBER 2023 AND 2022
    (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                   (Expressed in millions of Rupiah, unless otherwise stated)

                                                 Catatan/      31 Desember/          31 Desember/
                                                  Notes       December 2023         December 2022
ASET                                                                                                                                          ASSETS

Kas dan setara kas                                3a,3c,4                665.225            862.852                       Cash and cash equivalents
Kas yang dibatasi penggunaannya                     3a                     2.501                884                                  Restricted cash
Piutang, neto                                                                                                                       Receivables, net
  Pihak tidak berelasi                              3a                  77.711                  170                            Non-related parties
  Pihak berelasi                                 3a,3b,16            1.051.856            1.247.238                                Related parties
Pajak dibayar di muka                               8a                   2.741                2.030                                    Prepaid taxes
Investasi pada saham                                 5              46.680.205           57.787.584                            Investments in shares
Investasi pada efek lainnya                          6               2.327.940            3.730.341                   Investments in other securities
Properti investasi                                                     108.488              101.352                           Investment properties
Aset keuangan derivatif                            3a,7                      -                7.353                       Derivative financial assets
Aset lainnya                                                            28.453               31.346                                     Other assets
JUMLAH ASET                                                        50.945.120           63.771.150                                   TOTAL ASSETS

LIABILITAS                                                                                                                                LIABILITIES

Utang lainnya                                       3a                    5.417              16.508                                  Other payables
Utang pajak penghasilan                             8b                    1.644              14.105                             Income tax payables
Utang pajak lainnya                                 8c                    1.423               3.198                               Other tax payables
Pendapatan diterima dimuka                                                2.396                 684                               Unearned revenue
Pinjaman                                           3a,9                 926.106           1.544.224                                       Borrowings
Liabilitas pajak tangguhan, neto                    8e                1.188.409           2.348.924                      Deferred tax liabilities, net
Liabilitas imbalan kerja                                                 31.501              27.070                     Employee benefits liabilities
JUMLAH LIABILITAS                                                    2.156.896           3.954.713                               TOTAL LIABILITIES

EKUITAS                                                                                                                                      EQUITY

Modal saham dengan nilai nominal Rp20 (Rupiah                                                                         Share capital at par value Rp20
  penuh) per saham                                                                                                        (whole Rupiah) per share
  Modal dasar 48.833.400.000 lembar saham                                                                Authorized capital 48,833,400,000 shares
  Modal ditempatkan dan disetor penuh                                                                              Issued and fully paid-up capital
  13.564.835.000 lembar saham                       10                 271.297)            271.297)                          13,564,835,000 shares
Tambahan modal disetor                              11               5.184.710)          5.184.710)                         Additional paid-in capital
Saham tresuri                                      3d,10               (18.574)            (27.813)                                   Treasury stocks
Akumulasi pembayaran berbasis saham                  3i                 29.020)             32.616)              Accumulated share-based payments
Selisih penjabaran laporan keuangan                                                                                       Difference in translation of
 dalam mata uang asing                              3e                    23.888)             (269)       financial statements in foreign currency
Komponen ekuitas lainnya                                                 126.125)          100.170)                         Other equity components
Saldo laba:                                                                                                                        Retained earnings:
  Dicadangkan                                                           60.000)             55.000)                                 Appropriated
  Tidak dicadangkan                                                 43.032.157)         54.199.822                               Unappropriated
EKUITAS YANG DIATRIBUSIKAN KEPADA PEMILIK                                                                                EQUITY ATTRIBUTABLE TO
  PERUSAHAAN                                                       48.708.623)         59.815.533)                  OWNERS OF THE COMPANY

Kepentingan nonpengendali                          2f,12                  79.601)              904)                         Non-controlling interests

JUMLAH EKUITAS                                                     48.788.224)         59.816.437)                                   TOTAL EQUITY

JUMLAH LIABILITAS DAN EKUITAS                                      50.945.120)         63.771.150)                  TOTAL LIABILITIES AND EQUITY




              Lihat Catatan atas Laporan Keuangan Konsolidasian                      See Notes to The Consolidated Financial Statements on
       di Ekshibit E terlampir yang merupakan bagian tidak terpisahkan                the accompanying Exhibit E which are an integral part
           dari laporan keuangan konsolidasian secara keseluruhan                   of the consolidated financial statements taken as a whole
Page 103
                                                           Ekshibit B                                                                  Exhibit B

   PT SARATOGA INVESTAMA SEDAYA Tbk. DAN ENTITAS ANAK                           PT SARATOGA INVESTAMA SEDAYA Tbk. AND SUBSIDIARIES
            LAPORAN LABA RUGI DAN PENGHASILAN                                       CONSOLIDATED STATEMENTS OF PROFIT OR LOSS
             KOMPREHENSIF LAIN KONSOLIDASIAN                                             AND OTHER COMPREHENSIVE INCOME
        TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                       YEARS ENDED 31 DECEMBER 2023 AND 2022
   (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                    (Expressed in millions of Rupiah, unless otherwise stated)


                                                  Catatan/   Tahun berakhir / Years ended
                                                   Notes        2023            2022

(Kerugian) keuntungan neto atas investasi pada                                                      Net (loss) gain on investments in shares and
  saham dan efek lainnya                           13a          (13.811.067)       3.725.989                                    other securities
Penghasilan dividen, bunga dan investasi          3b,13b          2.808.032        2.612.685          Dividend, interest and investment income
Penghasilan lainnya                                                  11.766            4.853                                        Other income
Perubahan nilai wajar properti investasi                              7.136           (2.073)      Changes in fair value of investment properties
Pemulihan penurunan nilai aset keuangan                                   -           19.059           Reversal of impairment of financial assets
Beban usaha                                         14             (222.144)        (232.400)                                 Operating expenses
Beban lainnya                                                       (20.546)         (24.520)                                     Other expenses
Keuntungan (kerugian) neto selisih kurs             3e               12.560          (82.369)       Net gain (loss) on exchange rate differences
Keuntungan neto atas instrumen keuangan                                                                   Net gain on other derivative financial
  derivatif lainnya                                3a,7                 104           22.281                                        instruments
Beban bunga                                         3a              (95.106)        (184.833)                                   Interest expenses
(RUGI) LABA SEBELUM PAJAK                                       (11.309.265)       5.858.672                       (LOSS) PROFIT BEFORE TAX

Manfaat (beban) pajak penghasilan                   8f                                                             Income tax benefit (expense)
  Kini                                                              (2.801)          (14.506)                                          Current
  Tangguhan                                                      1.160.725        (1.217.943)                                        Deferred
                                                                 1.157.924        (1.232.449)

(RUGI) LABA TAHUN BERJALAN                                     (10.151.341)       4.626.223                      (LOSS) PROFIT FOR THE YEAR

PENGHASILAN KOMPREHENSIF LAIN:                                                                               OTHER COMPREHENSIVE INCOME:

Pos-pos yang tidak akan direklasifikasikan ke                                                            Items that will never be reclassified
  laba rugi                                                                                                                 to profit or loss
                                                                                                           Remeasurements of defined benefits
Pengukuran kembali atas kewajiban imbalan pasti                         954             (391)                                     obligation
Pajak penghasilan terkait pos-pos yang tidak                                                        Tax on items that will never be reclassified
  direklasifikasi ke laba rugi                                          (210)             86                                to profit or loss
                                                                         744            (305)

Pos-pos yang akan direklasifikasikan ke                                                           Items that will be reclassified subsequently
  laba rugi                                                                                                                 to profit or loss
Selisih penjabaran laporan keuangan dalam                                                                 Difference in translation of financial
  mata uang asing                                   3e              25.688           (39.696)                statements in foreign currencies


JUMLAH PENGHASILAN KOMPREHENSIF LAIN                                26.432           (40.001)         TOTAL OTHER COMPREHENSIVE INCOME

JUMLAH (RUGI) PENGHASILAN KOMPREHENSIF                                                                 TOTAL COMPREHENSIVE (LOSS) INCOME
  TAHUN BERJALAN                                               (10.124.909)       4.586.222                              FOR THE YEAR

(Rugi) laba tahun berjalan yang diatribusikan
  kepada:                                                                                           (Loss) profit for the year attributable to:
  Pemilik Perusahaan                                            (10.149.771)       4.616.367                         Owners of the Company
  Kepentingan nonpengendali                                          (1.570)           9.856                        Non-controlling interests
                                                               (10.151.341)       4.626.223
Jumlah (rugi) penghasilan komprehensif tahun                                                  Total comprehensive (loss) income for the year
  berjalan yang diatribusikan kepada:                                                                                     attributable to:
  Pemilik Perusahaan                                            (10.124.870)       4.587.086                       Owners of the Company
  Kepentingan nonpengendali                                             (39)            (864)                    Non-controlling interests
                                                               (10.124.909)       4.586.222

(Rugi) laba per saham (Rupiah penuh):                                                                (Loss) earnings per share (whole Rupiah):
  Dasar                                             15a                 (750)            342                                           Basic
  Dilusian                                          15b                 (741)            338                                         Diluted


            Lihat Catatan atas Laporan Keuangan Konsolidasian                      See Notes to The Consolidated Financial Statements on
     di Ekshibit E terlampir yang merupakan bagian tidak terpisahkan                the accompanying Exhibit E which are an integral part
         dari laporan keuangan konsolidasian secara keseluruhan                   of the consolidated financial statements taken as a whole
Page 104
                                                                                                                                Ekshibit C/1                                                                                                                          Exhibit C/1

                          PT SARATOGA INVESTAMA SEDAYA Tbk. DAN ENTITAS ANAK                                                                                              PT SARATOGA INVESTAMA SEDAYA Tbk. AND SUBSIDIARIES
                                LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN                                                                                                     CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY
                               TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                                                                                         YEARS ENDED 31 DECEMBER 2023 AND 2022
                          (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                                                                                      (Expressed in millions of Rupiah, unless otherwise stated)

                                                                                 Ekuitas yang diatribusikan kepada pemilik Perusahaan/Equity attributable to owners of the Company
                                                                                                                                 Selisih
                                                                                                                             penjabaran
                                                                                                                                laporan
                                                                                                                              keuangan
                                                                                                                             dalam mata
                                                                                                                             uang asing/
                                                                                                                 Akumulasi    Difference
                                                                               Tambahan                         pembayaran in translation Komponen
                                                                                 modal                            berbasis         of        ekuitas          Saldo laba/                             Kepentingan
                                                                  Modal         disetor/          Saham           saham/       financial    lainnya/       Retained earnings                         nonpengendali/     Jumlah
                                                                 saham/        Additional        tresuri/       Accumulated statements in     Other                      Tidak                            Non-          ekuitas/
                                                      Catatan/    Share         paid-in         Treasury        share-based     foreign      equity  Dicadangkan/    dicadangkan/     Jumlah/          controlling       Total
                                                       Notes     capital        capital           stocks         payments      currency   components Appropriated Unappropriated       Total            interests        equity

Saldo pada tanggal 31 Desember 2022                              271.297         5.184.710         (27.813)          32.616           (269)    100.170      55.000      54.199.822    59.815.533               904)     59.816.437)                    Balance as of 31 December 2022

Perubahan saham tresuri                                3d, 10              -                -        9.239                 -             -      24.058           -               -        33.297                  -         33.297)                         Changes in treasury stocks

Pembayaran berbasis saham                                3i                -                -               -         (3.596)            -           -           -               -         (3.596)                -          (3.596)                             Share-based payments

Perubahan komponen ekuitas lainnya                                         -                -               -              -             -       1.897           -               -          1.897              677            2.574)               Changes in other equity components

Perubahan kepemilikan nonpengendali                                        -                -               -              -             -           -           -               -              -            78.059         78.059)    Changes in ownership in non-controlling interest

Pembagian dividen                                        10                -                -               -              -             -           -           -      (1.013.638)    (1.013.638)                -      (1.013.638)                           Distribution of dividend

Pencadangan saldo laba                                   10                -                -               -              -             -           -       5.000          (5.000)             -                 -                -                Appropriation of retained earnings

Rugi tahun berjalan                                                        -                -               -              -             -           -           -     (10.149.771)   (10.149.771)            (1.570)   (10.151.341)                                  Loss for the year

Penghasilan komprehensif lain                                              -                -               -              -        24.157           -           -            744         24.901              1.531         26.432)                       Other comprehensive income

Saldo pada tanggal 31 Desember 2023                              271.297        5.184.710          (18.574)          29.020        23.888      126.125      60.000     43.032.157     48.708.623            79.601)     48.788.224)                    Balance as of 31 December 2023




                      Lihat Catatan atas Laporan Keuangan Konsolidasian di Ekshibit E terlampir yang merupakan                                                 See Notes to The Consolidated Financial Statements on the accompanying Exhibit E which are
                           bagian tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan                                                              an integral part of the consolidated financial statements taken as a whole
Page 105
                                                                                                                                 Ekshibit C/2                                                                                                                              Exhibit C/2

                          PT SARATOGA INVESTAMA SEDAYA Tbk. DAN ENTITAS ANAK                                                                                               PT SARATOGA INVESTAMA SEDAYA Tbk. AND SUBSIDIARIES
                                LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN                                                                                                      CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY
                               TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                                                                                          YEARS ENDED 31 DECEMBER 2023 AND 2022
                                                (LANJUTAN)                                                                                                                                       (CONTINUED)
                          (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                                                                                       (Expressed in millions of Rupiah, unless otherwise stated)

                                                                                  Ekuitas yang diatribusikan kepada pemilik Perusahaan/Equity attributable to owners of the Company
                                                                                                                                  Selisih
                                                                                                                              penjabaran
                                                                                                                                 laporan
                                                                                                                               keuangan
                                                                                                                              dalam mata
                                                                                                                              uang asing/
                                                                                                                  Akumulasi    Difference
                                                                                Tambahan                         pembayaran in translation Komponen
                                                                                  modal                            berbasis         of        ekuitas          Saldo laba/                            Kepentingan
                                                                   Modal         disetor/          Saham           saham/       financial    lainnya/       Retained earnings                        nonpengendali/       Jumlah
                                                                  saham/        Additional        tresuri/       Accumulated statements in     Other                     Tidak                            Non-            ekuitas/
                                                       Catatan/    Share         paid-in         Treasury        share-based     foreign      equity  Dicadangkan/ dicadangkan/        Jumlah/         controlling         Total
                                                        Notes     capital        capital           stocks         payments      currency   components Appropriated Unappropriated       Total           interests          equity

Saldo pada tanggal 31 Desember 2021                               271.297         5.184.710         (38.051)          35.513         28.707      62.963     50.000       50.398.596    55.993.735            21.047        56.014.782                       Balance as of 31 December 2021

Perubahan saham tresuri                                 3d, 10              -                -       10.238                 -             -      37.207          -                -        47.445                 -            47.445                             Changes in treasury stocks

Pembayaran berbasis saham                                 3i                -                -               -         (2.897)            -           -          -                -        (2.897)                    -       (2.897)                                 Share-based payments

Pembagian dividen                                        10                 -                -               -              -             -           -          -         (809.836)     (809.836)                    -     (809.836)                               Distribution of dividend

Pencadangan saldo laba                                   10                 -                -               -              -             -           -      5.000           (5.000)             -                    -              -                   Appropriation of retained earnings

Pembagian dividen kepada kepentingan nonpengendali                          -                -               -              -             -           -          -                -              -           (12.138)        (12.138)    Distribution of dividend to non-controlling interest

Pengembalian modal kepada kepentingan nonpengendali                         -                -               -              -             -           -          -                -              -            (7.141)         (7.141)          Return of capital to non-controlling interest

Laba tahun berjalan                                                         -                -               -              -             -           -          -        4.616.367     4.616.367             9.856         4.626.223                                     Profit for the year

Penghasilan komprehensif lain                                               -                -               -              -       (28.976)          -          -             (305)      (29.281)           (10.720)        (40.001)                          Other comprehensive income

Saldo pada tanggal 31 Desember 2022                               271.297        5.184.710          (27.813)          32.616          (269)     100.170     55.000     54.199.822      59.815.533               904       59.816.437                        Balance as of 31 December 2022




                      Lihat Catatan atas Laporan Keuangan Konsolidasian di Ekshibit E terlampir yang merupakan                                                  See Notes to The Consolidated Financial Statements on the accompanying Exhibit E which are
                           bagian tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan                                                               an integral part of the consolidated financial statements taken as a whole
Page 106
                                                         Ekshibit D                                                                       Exhibit D

    PT SARATOGA INVESTAMA SEDAYA Tbk. DAN ENTITAS ANAK                         PT SARATOGA INVESTAMA SEDAYA Tbk. AND SUBSIDIARIES
              LAPORAN ARUS KAS KONSOLIDASIAN                                        CONSOLIDATED STATEMENTS OF CASH FLOWS
         TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                    YEARS ENDED 31 DECEMBER 2023 AND 2022
    (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                  (Expressed in millions of Rupiah, unless otherwise stated)



                                                                 Tahun berakhir 31 Desember/
                                                                  Years ended 31 December
                                                       Notes        2023            2022

Arus kas dari aktivitas operasi                                                                                  Cash flows from operating activities
  Penerimaan dividen                                                    3.032.101           2.148.503                            Receipts of dividends
                                                                                                                   Proceeds from sales/withdrawal of
  Penerimaan dari penjualan/penarikan atas investasi                                                                 investments in shares and other
    pada saham dan efek lainnya                                           856.931          20.199.792                                       securities
  Penerimaan pendapatan bunga dan lainnya                                  24.540              15.594          Receipts of interest income and others
  Pembayaran bunga                                                        (92.453)           (182.347)                                    Interest paid
  Penempatan investasi pada saham dan efek ekuitas                                                             Purchases of investments in shares and
    lainnya                                                             (2.151.811)        (18.289.609)                       other equity securities
  Pembayaran kepada karyawan                                              (102.804)            (89.965)                        Payments to employees
  Penerimaan piutang                                                             -              32.357                       Collection of receivables
  Penambahan piutang                                                       (55.168)                  -                          Addition of receivable
  Pembayaran pajak penghasilan                                             (15.262)               (678)                                Income tax paid
  Pembayaran kas untuk beban operasi lainnya                               (88.155)           (126.335)   Cash payments for other operating expenses

Kas neto dari aktivitas operasi                                       1.407.919            3.707.312                Net cash from operating activities

Arus kas dari aktivitas investasi                                                                                   Cash flows from investing activity
  Pembayaran perolehan aset tetap / Kas neto untuk                                                         Acquisition of fixed assets paid / Net cash
    aktivitas investasi                                                      (891)             (1.401)                        for investing activity

Arus kas dari aktivitas pendanaan                                                                                 Cash flows from financing activities
  Penerimaan dari pinjaman bank                          9               1.117.605             451.000                      Proceeds from bank loans
  Pembayaran pinjaman bank                               9              (1.708.330)         (3.006.535)                     Repayment of bank loans
  Pembayaran saham tresuri                              10                  (5.204)               (985)                    Payment of treasury stock
  Pembayaran dividen                                    10              (1.013.638)           (809.836)                         Payment of dividends
  Pembayaran dividen kepada kepentingan                                                                       Payment of dividends to non-controlling
    nonpengendali                                                                -             (12.138)                                     interest
  Pengembalian modal kepada kepentingan                                                                           Return of capital to non-controlling
    nonpengendali                                                                -              (7.141)                                     interest
  Perubahan pada kas yang dibatasi penggunaannya                            (1.616)                (86)                    Changes in restricted cash

Kas neto untuk aktivitas pendanaan                                  (1.611.183)            (3.385.721)                Net cash for financing activities

                                                                                                             Net (decrease) increase in cash and cash
(Penurunan) kenaikan neto kas dan setara kas                             (204.155)           320.190                                      equivalents
Pengaruh perubahan selisih kurs dari kas dan                                                                Effect of changes in exchange rates on cash
  setara kas                                                                6.528              80.550                            and cash equivalents
                                                                                                              Cash and cash equivalents at beginning of
Kas dan setara kas pada awal tahun                                        862.852             462.112                                        the year

                                                                                                              Cash and cash equivalents at end of the
Kas dan setara kas pada akhir tahun                      4               665.225             862.852                                          year




             Lihat Catatan atas Laporan Keuangan Konsolidasian                        See Notes to The Consolidated Financial Statements on
      di Ekshibit E terlampir yang merupakan bagian tidak terpisahkan                  the accompanying Exhibit E which are an integral part
          dari laporan keuangan konsolidasian secara keseluruhan                     of the consolidated financial statements taken as a whole
Page 107
                                                Ekshibit E/1                                                     Exhibit E/1

         PT SARATOGA INVESTAMA SEDAYA Tbk.                               PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                  AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                    NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                            YEARS ENDED 31 DECEMBER 2023 AND 2022
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)       (Expressed in millions of Rupiah, unless otherwise stated)

1.   UMUM                                                       1.   GENERAL

     a. Pendirian Perusahaan dan informasi lainnya                   a. Establishment    of   the   Company     and    other
                                                                        information
        PT Saratoga Investama Sedaya Tbk. (“Perusahaan”)                PT Saratoga Investama Sedaya Tbk. (the “Company”)
        didirikan di Jakarta berdasarkan Akta Notaris No. 41            was established in Jakarta based on Notarial Deed
        tanggal 17 Mei 1991 juncto Akta Notaris No. 33                  No. 41 dated 17 May 1991 in conjuction with Notarial
        tanggal 13 Juli 1992, keduanya dari Ny. Rukmasanti              Deed No. 33 dated 13 July 1992, both of
        Hardjasatya, S.H., Notaris di Jakarta. Akta Pendirian           Ny. Rukmasanti Hardjasatya, S.H., Notary in Jakarta.
        Perusahaan tersebut telah memperoleh persetujuan                The Deed of Establishment was approved by the
        dari Menteri Kehakiman (sekarang Menteri Hukum                  Minister of Justice (now known as the Minister of Law
        dan Hak Asasi Manusia) Republik Indonesia                       and Human Rights) of the Republic of Indonesia by
        berdasarkan        Surat      Keputusan       No.C2–            virtue of decree No.C2-10198.HT.01.01.TH92 dated
        10198.HT.01.01.TH92 tanggal 15 Desember 1992 dan                15 December 1992 and was published in the State
        telah diumumkan dalam Berita Negara Republik                    Gazette of the Republic of Indonesia No. 19 dated
        Indonesia No. 19 tanggal 5 Maret 1993, Tambahan                 5 March 1993, Supplement No.973.
        No.973.
        Anggaran Dasar Perusahaan telah mengalami                       The Company’s Articles of Association have been
        beberapa kali perubahan dimana yang terakhir                    amended several times, most recently by the
        diubah berdasarkan Akta Pernyataan Keputusan                    statement of the Extraordinary General Meeting of
        Rapat Umum Pemegang Saham Luar Biasa                            Shareholders of PT Saratoga Investama Sedaya Tbk.
        PT Saratoga Investama Sedaya Tbk. No. 161 tanggal               Notarial Deed No. 161 dated 28 April 2021, made
        28 April 2021, yang dibuat dihadapan Notaris Jose               before Jose Dima Satria, S.H., M.Kn., a Notary
        Dima Satria, S.H., M.Kn., Notaris di Jakarta                    in Jakarta regarding the amendment to article
        mengenai perubahan pasal 4 ayat 1 dan 2 tentang                 4 paragraph 1 and 2 concerning the issued and paid-
        modal dasar, ditempatkan dan disetor karena                     up capital due to stock split as have been accepted
        adanya pemecahan nilai nominal saham dan telah                  and registered into the database of Administrative
        diterima dan dicatat di dalam database sistem                   System for Legal Entities of the Ministry of Law and
        Administrasi Hukum Umum Kementerian Hukum dan                   Human Rights of the Republic of Indonesia as stated
        Hak Asasi Manusia Republik Indonesia sebagaimana                in Letter of Receipt Notification of the Company’s
        tercantum dalam Surat Penerimaan Pemberitahuan                  Article of Association Amendments No AHU-
        Perubahan Anggaran Dasar Perusahaan No. AHU-                    AH.01.03-0279433 dated 30 April 2021.
        AH.01.03-0279433 tanggal 30 April 2021.
        Perusahaan berkedudukan di Jakarta Selatan dengan               The Company is domiciled in South Jakarta, with its
        alamat di Menara Karya Lantai 15, Jl. H.R. Rasuna               address at Menara Karya 15th Floor, Jl. H.R. Rasuna
        Said Blok X-5, Kav.1-2. Perusahaan memulai                      Said Blok X-5, Kav.1-2. The Company commenced its
        kegiatan komersialnya pada tahun 1992.                          commercial activities in 1992.
        Kegiatan usaha Perusahaan adalah: (a) melakukan                 The Company’s scope of activities are: (a) conducting
        aktivitas perusahaan holding dimana kegiatan                    the activities of the holding company where its main
        utamanya adalah kepemilikan dan/atau penguasaan                 activities are the ownership and/or possession of the
        aset dari sekelompok entitas anaknya, dan (b)                   assets of its group of subsidiary companies, and (b)
        melakukan aktivitas konsultasi manajemen lainnya                conducting other management consulting activities in
        dimana kegiatan utamanya (sebagaimana relevan)                  which the main activities (as relevant) are: (i)
        adalah: (i) memberikan bantuan nasihat, bimbingan               providing advisory assistance, guidance and
        dan operasional usaha serta permasalahan organisasi             operational operations and other organizational and
        dan manajemen lainnya, seperti perencanaan                      management issues, such as strategy and
        strategi dan organisasi, keputusan berkaitan dengan             organizational planning, financial-related decisions,
        keuangan, tujuan dan kebijakan pemasaran,                       marketing objectives and policies, planning,
        perencanaan, praktik dan kebijakan sumber daya                  practices and human resources policy, scheduling
        manusia,      perencanaan       penjadwalan     dan             planning and production control, and (ii) providing
        pengontrolan produksi, dan (ii) memberikan bantuan              advisory assistance, guidance and operation of
        nasihat, bimbingan dan operasional berbagai fungsi              various     management      functions,  management
        manajemen, konsultasi manajemen oleh argonomist                 consulting by argonomist and agricultural economist
        dan agricultural economist pada bidang pertanian                on agriculture and assessment of accounting methods
        dan sejenisnya, rancangan dari metode dan prosedur              and procedures, cost accounting program, budget
        akuntansi, program akuntansi biaya, prosedur                    supervision procedures, giving advice and assistance
        pengawasan anggaran belanja, pemberian nasihat                  for business and community services in planning,
        dan bantuan untuk usaha dan pelayanan masyarakat                organizing, efficiency and supervision, management
        dalam perencanaan, pengorganisasian, efisiensi dan              information and others.
        pengawasan, informasi manajemen secara aktif dan
        lain-lain.
Page 108
                                               Ekshibit E/2                                                     Exhibit E/2

         PT SARATOGA INVESTAMA SEDAYA Tbk.                              PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                 AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                   NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                         YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                    (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)      (Expressed in millions of Rupiah, unless otherwise stated)

1.   UMUM (lanjutan)                                           1.   GENERAL (continued)

     a. Pendirian Perusahaan      dan   informasi   lainnya         a. Establishment of the         Company     and    other
        (lanjutan)                                                     information (continued)

        Semua kegiatan ini dilaksanakan secara aktif dalam             All those activities are actively performed to achieve
        rangka peningkatan kinerja dari portofolio investasi           a better outcome for the investment portfolio of the
        yang dilakukan oleh Perusahaan.                                Company.

        Induk Perusahaan adalah PT Unitras Pertama.                    The parent of the Company is PT Unitras Pertama.
        Pemegang saham mayoritas akhir Perusahaan adalah               The ultimate majority shareholder of the Company is
        Tn. Edwin Soeryadjaya.                                         Mr. Edwin Soeryadjaya.


     b. Dewan komisaris, direksi, komite audit dan                  b. Board of commissioners,           directors,    audit
        karyawan                                                       committee and employees

        Susunan anggota dewan komisaris, direksi dan                   The members of board of commissioners, directors
        komite   audit    Perusahaan     pada    tanggal               and audit committee of the Company as of
        31 Desember 2023 dan 2022 adalah sebagai berikut:              31 December 2023 and 2022 were as follows:

        Dewan komisaris:                                                                            Board of commissioners:
        Presiden Komisaris                               Edwin Soeryadjaya                            President Commissioner
        Komisaris                                      Joyce Soeryadjaya Kerr                                   Commissioner
        Komisaris                                         Indra Cahya Uno                                       Commissioner
        Komisaris independen                               Sidharta Utama                          Independent Commissioner
        Komisaris independen                         Anangga W. Roosdiono S.H.                     Independent Commissioner

        Direksi:                                                                                                  Directors:
        Presiden Direktur                             Michael W.P. Soeryadjaya                             President Director
        Direktur                                            Lany Djuwita                                             Director
        Direktur                                           Devin Wirawan                                             Director

        Komite audit:                                                                                      Audit committee:
        Ketua                                        Anangga W. Roosdiono S.H.                                     Chairman
        Anggota                                             Aria Kanaka                                             Member
        Anggota                                            Hany Gungoro                                             Member


        Pada tanggal 31 Desember 2023 dan 2022                         As of 31 December 2023 and 2022, the Company
        Perusahaan masing-masing mempekerjakan 64 dan                  employed 64 and 59 employees (includes directors
        59 karyawan (termasuk direksi dan karyawan                     and contract employees)*.
        kontrak Perusahaan)*.

        *Tidak diaudit                                                                                             *Unaudited

     c. Penawaran umum perdana saham Perusahaan                     c. The Company’s initial public offering

        Pada tanggal 18 Juni 2013, Perusahaan memperoleh               On 18 June 2013, the Company received the effective
        pernyataan efektif dari Otoritas Jasa Keuangan                 statement from the Indonesia Financial Services
        (OJK) melalui Surat No.S-175/D.04/2013 untuk                   Authority     (OJK)     through       the     Letter
        melakukan Penawaran Umum Perdana Saham                         No.S-175/D.04/2013 to perform the Initial Public
        sebanyak 271.297.000 saham biasa atas nama                     Offering of 271,297,000 common shares with par
        dengan nilai nominal Rp100 (Rupiah penuh) per                  value of Rp100 (whole Rupiah) at the offering price
        saham dengan harga penawaran sebesar Rp5.500                   of Rp5,500 (whole Rupiah) each share through capital
        (Rupiah penuh) per saham melalui pasar modal dan               market and the shares were listed on the Indonesia
        saham telah dicatatkan pada Bursa Efek Indonesia               Stock Exchange on 26 June 2013.
        pada tanggal 26 Juni 2013.
Page 109
                                                                    Ekshibit E/3                                                                                         Exhibit E/3

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                                          PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                                             AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                                               NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                                     YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                                                (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                                  (Expressed in millions of Rupiah, unless otherwise stated)
1.     UMUM (lanjutan)                                                                     1.      GENERAL (continued)

        d. Program  insentif  jangka                       panjang             untuk               d. Long term incentive program for management and
           manajemen dan karyawan                                                                     employees
              Berdasarkan beberapa keputusan edaran di luar                                            In accordance with the circulars resolution in lieu of
              rapat Direksi Perusahaan, Direksi telah memutuskan                                       a meeting of the Board of Directors of the Company,
              untuk mengalokasikan sebanyak-banyaknya jumlah                                           the Board of Directors approved to allocate a
              lembar saham tertentu untuk pelaksanaan Program                                          maximum number of shares for the implementation
              Insentif Jangka Panjang sebagai berikut:                                                 of the Long Term Incentive Program as follows:

                            Tanggal keputusan                                                                                     Program Insentif Jangka Panjang/
                      edaran/Circular resolution date              Jumlah lembaran saham/Number of shares                           Long Term Incentive Program
                                                                 33.055.000 lembar saham/number of shares
                                                                 (sebelum pemecahan nilai nominal
                                                                 saham/before stock split 6.611.000 lembar
                                  1 Juli/July 2020               saham/number of shares)                                                          2020 - 2023
                                  1 Juli/July 2021               10.142.000 lembar saham/number of shares                                         2021 - 2024
                                  1 Juli/July 2022               6.242.000 lembar saham/number of shares                                          2022 - 2025
                                  1 Juli/July 2023               13.247.000 lembar saham/number of shares                                         2023 - 2026

             Pemberian saham sebagaimana diuraikan diatas                                              The share grants as described above were allocated
             dialokasikan berdasarkan 50% time vested dan 50%                                          based on 50% time vested and 50% performance
                                                                                                       vested.
             performance vested.
        e. Entitas anak                                                                            e. Subsidiaries

             Pada tanggal 31 Desember 2023 dan 2022,                                                   As of 31 December 2023 and 2022, the Company
             Perusahaan mengkonsolidasikan entitas anak                                                consolidated the following subsidiaries:
             berikut ini:
                                                                                          Persentase kepemilikan/         Mulai beroperasi       Jumlah aset sebelum eliminasi/
                                                                                          Percentage of ownership            komersial/          Total assets before elimination
                                                             Kegiatan usaha/           31 Desember /     31 Desember /   Commencement of          31 Desember /     31 Desember /
               Entitas anak/                   Domisili/        Nature of              December 2023     December 2022      commercial           December 2023     December 2022
               Subsidiaries                    Domicile         activities                   %                 %            operations                 Rp                Rp

Kepemilikan langsung/Direct ownership
                                                              Jasa investasi/
PT Saratoga Sentra Business (SSB)               Jakarta                                    99,99            99,99              2005                     1.075.451             1.146.287
                                                           Investment services
                                                                                                                                                                    89




                                                             Jasa investasi/
PT Nugraha Eka Kencana (NEK)                    Jakarta                                    99,99            99,99              2003                     1.695.412             1.482.660
                                                           Investment services
                                                             Jasa investasi/
PT Wahana Anugerah Sejahtera (WAS)              Jakarta                                    99,96            99,96              2005                    16.683.388            16.613.984
                                                           Investment services
                                                             Jasa investasi/
PT Bumi Hijau Asri (BHA)                        Jakarta                                    99,99            99,99              2007                       132.095              143.828
                                                           Investment services
                                                             Jasa investasi/
PT Wana Bhakti Sukses Mineral (WBSM)            Jakarta                                    73,68            73,68              2007                         2.823               16.080
                                                           Investment services
                                                             Jasa investasi/
PT Trimitra Karya Jaya (TKJ)                    Jakarta                                    99,00            86,49              2014          -                594                  584
                                                           Investment services
                                                             Jasa investasi/
PT Surya Nuansa Ceria (SNC)                     Jakarta                                    99,99            99,99              2015                       373.114              326.130
                                                           Investment services

                                                             Jasa investasi/
PT Lintas Indonesia Sejahtera (LIS)             Jakarta                                    99,99            99,99              2018                        23.779               23.799
                                                           Investment services

                                                             Jasa investasi/
PT Interra Indo Resources (IIR)                 Jakarta                                    99,99                               2004                       319.384                     -
                                                           Investment services                                -


Kepemilikan tidak langsung melalui SSB/
Indirect ownership through SSB
                                                             Jasa investasi/
PT Interra Indo Resources (IIR)                 Jakarta                                      -              99,99              2004                             -                  478
                                                           Investment services

Kepemilikan tidak langsung melalui NEK/
Indirect ownership through NEK

                                                             Jasa investasi/
PT Sukses Indonesia (SI)                        Jakarta                                    99,99            99,99              2001                     1.189.314              922.387
                                                           Investment services

Kepemilikan tidak langsung melalui BHA/
Indirect ownership through BHA
                                                             Jasa investasi/
PT Sarana Asri (SA)                             Jakarta                                    60,00            60,00              2008                           301                  301
                                                           Investment services
Page 110
                                                                        Ekshibit E/4                                                                                  Exhibit E/4

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                                            PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                                               AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                                                 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                                       YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                                                  (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                                    (Expressed in millions of Rupiah, unless otherwise stated)
1.     UMUM (lanjutan)                                                                       1.      GENERAL (continued)

        e. Entitas anak (lanjutan)                                                                   e. Subsidiaries (continued)

             Pada tanggal 31 Desember 2023 dan                                       2022,                As of 31 December 2023 and 2022, the Company
             Perusahaan mengkonsolidasikan entitas                                    anak                consolidated the following subsidiaries: (continued)
             berikut ini: (lanjutan)
                                                                                            Persentase kepemilikan/         Mulai beroperasi       Jumlah aset sebelum eliminasi/
                                                                                            Percentage of ownership            komersial/          Total assets before elimination
                                                                 Kegiatan usaha/         31 Desember /     31 Desember /   Commencement of          31 Desember /     31 Desember /
               Entitas anak/                    Domisili/           Nature of            December 2023     December 2022      commercial           December 2023     December 2022
               Subsidiaries                     Domicile            activities                 %                 %            operations                 Rp                Rp


Kepemilikan tidak langsung melalui SNC/
Indirect ownerships through SNC
                                                                 Jasa investasi/
PT Nugraha Eka Kencana (NEK)                     Jakarta                                      0,01             0,01              2003                     1.695.412        1.482.660
                                                               Investment services

                                                                 Jasa investasi/
PT Wahana Anugerah Sejahtera (WAS)               Jakarta                                      0,04             0,04              2005                    16.683.388       16.613.984
                                                               Investment services

                                                                 Jasa investasi/
PT Bumi Hijau Asri (BHA)                         Jakarta                                      0,01             0,01              2007                       132.095         143.828
                                                               Investment services
                                                                 Jasa investasi/
PT Trimitra Karya Jaya (TKJ)                     Jakarta                                      1,00            13,51              2014          -                594             584
                                                               Investment services

                                                                 Jasa investasi/
PT Sukses Indonesia (SI)                         Jakarta                                      0,01             0,01              2001                     1.189.314         922.387
                                                               Investment services

                                                                 Jasa investasi/
PT Interra Indo Resources (IIR)                  Jakarta                                      0,01             0,01              2004                       319.384             478
                                                               Investment services

Indirect ownership through SI
                                               Singapura/        Jasa investasi/
Alpha Omega Investments Pte. Ltd. (AO)                                                        100              100               2021                     1.105.117         838.700
                                               Singapore       Investment services

Indirect ownership through AO
                                                                 Jasa investasi/
Baltimore Investments Ltd. (BI)               Cayman Islands                                  100              100               2021                       710.942         522.620
                                                               Investment services

                                               Singapura/       Jasa manajemen/
PC Propco One Pte. Ltd. (Propco)                                                              80                -                2017                       393.859                   -
                                               Singapore       Management services

Indirect ownership through WAS
Lynwood Hills Investment Solution Pte. Ltd.    Singapura/        Jasa investasi/
                                                                                              100              100               2022                    12.228.897
                                                                                                                                                                  -       11.740.859
   (LHI)                                       Singapore       Investment services

Indirect ownership through PropCo
                                               Singapura/       Jasa manajemen/
PC Propco One Subco Pte. Ltd.                                                                 100               -                2018                             -                   -
                                               Singapore       Management services




              Perusahaan dan entitas anaknya di atas secara                                               The Company and its subsidiaries above are
              kolektif disebut sebagai “Grup” di dalam laporan                                            collectively referred to as the “Group” in these
              keuangan konsolidasian ini.                                                                 consolidated financial statements.


2.     DASAR    PENYUSUNAN                           LAPORAN              KEUANGAN           2.      BASIS OF PREPARATION                      OF     THE      CONSOLIDATED
       KONSOLIDASIAN                                                                                 FINANCIAL STATEMENTS

       a.     Pernyataan kepatuhan                                                                   a.   Statement of compliance

              Laporan keuangan konsolidasian telah disusun dan                                            The consolidated financial statements are prepared
              disajikan sesuai dengan Standar Akuntansi Keuangan                                          and presented in accordance with Indonesian
              di Indonesia (SAK) dan Peraturan Badan Pengawas                                             Financial Accounting Standards (SAK) and the Capital
              Pasar Modal dan Lembaga Keuangan (BAPEPAM-LK)                                               Market and Financial Institutions Supervisory Agency
              (sekarang menjadi Otoritas Jasa Keuangan atau OJK)                                          (BAPEPAM-LK)’s Regulation (currently Indonesian
              No. VIII.G.7 tentang Penyajian dan Pengungkapan                                             Financial Services Authority or OJK) No. VIII.G.7
              Laporan Keuangan Emiten atau Perseroan Publik,                                              regarding the Presentation and Disclosures of
              sebagaimana diubah oleh Keputusan No. KEP-                                                  Financial Statements of Issuers or Public Companies,
              554/BL/2010 yang digantikan oleh Keputusan No.                                              as amended by Decree No. KEP-554/BL/2010 that was
              KEP-347/BL/2012 “Perubahan atas peraturan No.                                               replaced    by   Decree     No.    KEP-347/BL/2012,
              VIII.G.7“.                                                                                  “Amendment to regulation No. VIII.G.7”.
Page 111
                                                Ekshibit E/5                                                      Exhibit E/5

         PT SARATOGA INVESTAMA SEDAYA Tbk.                               PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                  AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                    NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                          YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                     (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)       (Expressed in millions of Rupiah, unless otherwise stated)
2.   DASAR    PENYUSUNAN           LAPORAN        KEUANGAN      2.   BASIS OF PREPARATION OF THE              CONSOLIDATED
     KONSOLIDASIAN (lanjutan)                                        FINANCIAL STATEMENTS (continued)

     b.   Dasar pengukuran                                           b. Basis of measurement

          Laporan keuangan konsolidasian disusun atas dasar             The consolidated financial statements are prepared
          akrual dengan menggunakan konsep nilai historis,              on the accrual basis using the historical cost concept,
          kecuali ketika standar akuntansi mengharuskan                 except where the accounting standards require fair
          pengukuran nilai wajar.                                       value measurement.

     c.   Laporan arus kas                                           c. Statement of cash flows

          Laporan arus kas konsolidasian disusun dengan                 The consolidated statement of cash flows is prepared
          menggunakan metode langsung (direct method)                   using the direct method by classifying the cash flows
          dengan mengklasifikasikan arus kas berdasarkan                on the basis of operating, investing, and financing
          aktivitas operasi, investasi, dan pendanaan.                  activities.

     d.   Mata uang fungsional dan penyajian                         d. Functional and presentation currency

          Laporan keuangan konsolidasian disajikan dalam                The consolidated financial statements are presented
          Rupiah, dibulatkan ke dalam jutaan terdekat, yang             in Rupiah, rounded to the nearest million which is
          merupakan mata uang fungsional Perusahaan.                    the Company’s functional currency.

     e.   Penggunaan pertimbangan, estimasi dan asumsi               e. Use of judgements, estimates and assumptions

          Penyusunan laporan keuangan konsolidasian                     The preparation of consolidated financial statements
          mengharuskan       manajemen       untuk   membuat            requires management to make judgements,
          pertimbangan,       estimasi    dan   asumsi   yang           estimates and assumptions that affect the
          mempengaruhi penerapan kebijakan akuntansi                    application of accounting policies and the reported
          serta jumlah aset, liabilitas, pendapatan dan beban           amounts of assets, liabilities, income and expenses.
          yang dilaporkan. Hasil aktual dapat berbeda dari              Actual results may differ from those estimated
          nilai-nilai estimasi tersebut.                                amounts.

          Estimasi dan asumsi yang mendasarinya ditinjau                Estimates and underlying assumptions are reviewed
          secara berkesinambungan. Perubahan terhadap                   on an ongoing basis. Revisions to estimates are
          estimasi diakui secara prospektif.                            recognised prospectively.

          Informasi mengenai pertimbangan kritis dalam                  Information about critical judgements in applying
          penerapan kebijakan akuntansi yang memiliki                   accounting policies that have the most significant
          dampak paling signifikan terhadap jumlah yang                 effect on the amounts recognized in the
          diakui di laporan keuangan konsolidasian termasuk             consolidated financial statements includes the
          penentuan investee, yang harus dikonsolidasikan               determination of investee, to be consolidated in
          sesuai PSAK 65 “Laporan Keuangan Konsolidasian”               accordance to PSAK 65 “Consolidated Financial
          (Catatan 2f).                                                 Statements” (Note 2f).

          Informasi mengenai ketidakpastian asumsi dan                  Information about the assumptions and estimation
          estimasi yang dapat mengakibatkan penyesuaian                 uncertainties that may result in a material
          material pada tahun berikutnya termasuk:                      adjustment within the following year includes:
          -    Catatan 8e, pengakuan aset pajak tangguhan:               -   Note 8e, recognition of deferred tax assets:
               ketersediaan laba fiskal mendatang untuk                      availability of future taxable profit to enable
               memungkinkan Perusahaan mengakui aset                         the Company to recognize deferred tax assets
               pajak tangguhan atas kompensasi rugi fiskal;                  for tax loss carry forwards; and
               dan
          -    Catatan 18, pengukuran nilai wajar, baik untuk            -   Note 18, the measurement of fair values, for
               aset dan liabilitas keuangan dan nonkeuangan.                 both financial and non-financial assets and
                                                                             liabilities.
Page 112
                                                  Ekshibit E/6                                                      Exhibit E/6

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                 PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                    AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                      NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                            YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                       (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)         (Expressed in millions of Rupiah, unless otherwise stated)

2.   DASAR    PENYUSUNAN            LAPORAN        KEUANGAN       2.   BASIS OF PREPARATION OF THE              CONSOLIDATED
     KONSOLIDASIAN (lanjutan)                                          FINANCIAL STATEMENTS (continued)

     e.   Penggunaan pertimbangan, estimasi dan asumsi                 e. Use of judgements, estimates and assumptions
          (lanjutan)                                                      (continued)
          Ketika mengukur nilai wajar aset atau liabilitas,                When measuring the fair value of an asset or a
          Perusahaan menggunakan data pasar yang dapat                     liability, the Company uses observable market data
          diobservasi sejauh dimungkinkan. Nilai wajar                     to the extent possible. Fair values are determined
          ditentukan dengan menggunakan hirarki input                      using the following hierarchy of inputs used in the
          berikut ini yang digunakan dalam teknik penilaian                valuation techniques for assets and liabilities:
          atas aset dan liabilitas:

             Level 1: kuotasi harga (tanpa disesuaikan)                      Level 1: quoted prices (unadjusted) in active
              dalam pasar aktif untuk aset atau liabilitas yang                markets for identical assets or liabilities.
              identik.
             Level 2: input selain kuotasi harga yang                        Level 2: inputs, other than quoted prices
              termasuk dalam level 1, yang dapat diobservasi,                  included in Level 1, that are observable, either
              baik secara langsung (yaitu harga) atau secara                   directly (i.e. prices) or indirectly (i.e. derived
              tidak langsung (yaitu berasal dari harga lain                    from other observable prices).
              yang dapat diobservasi).
             Level 3: input yang tidak berdasarkan data pasar                Level 3: inputs that are not based on observable
              yang dapat diobservasi (input yang tidak dapat                   market data (unobservable inputs).
              diobservasi).

          Jika input yang digunakan untuk mengukur nilai                   If the inputs used to measure the fair value of an
          wajar aset atau liabilitas diambil dari berbagai                 asset or a liability are drawn from a mixture of
          sumber yang berbeda atas nilai wajar hirarki, maka               different level sources of the fair value hierarchy,
          pengukuran nilai wajar untuk seluruh kelas aset                  then the fair value measurement for the entire class
          atau    liabilitas dianggap     telah    dilakukan               of the asset or liability is considered to have been
          menggunakan level input terendah yang signifikan                 done using the lowest level input that is significant
          atas keseluruhan pengukuran (level 3 menjadi yang                to the entire measurement (Level 3 being the
          terendah).                                                       lowest).

          Informasi lebih lanjut tentang input dan asumsi                 Further information about the significant inputs and
          signifikan yang digunakan dalam mengukur nilai                  assumptions made in measuring fair values is
          wajar diungkapkan di Catatan 18.                                disclosed in Note 18.

     f.   Prinsip konsolidasi                                          f. Principles of consolidation
          Entitas anak adalah entitas yang dikendalikan oleh              Subsidiaries are entities controlled by the Group both
          Grup baik secara langsung maupun tidak langsung.                directly or indirectly. The Group controls an entity
          Grup mengendalikan suatu entitas ketika Grup                    when it is exposed to, or has rights to, variable
          terekpos dengan, atau memiliki hak atas, imbal hasil            returns from its involvement with the entity and has
          variabel dari keterlibatan Grup dengan entitas dan              the ability to affect those returns through its power
          memiliki kemampuan untuk mempengaruhi imbal                     over the entity.
          hasil tersebut melalui kekuasaan Grup di entitas.
          Perusahaan memenuhi persyaratan sebagai entitas                 The Company is a qualifying investment entity
          investasi kualifikasian sebagaimana diatur dalam                stipulated in PSAK 65, “Consolidated Financial
          PSAK 65, "Laporan Keuangan Konsolidasian", oleh                 Statements”, and accordingly investments in
          karena itu investasi di entitas yang dikendalikan -             controlled entities – as well as investments in
          serta investasi dalam entitas asosiasi dan ventura              associates and joint ventures are measured at fair
          bersama diukur pada nilai wajar melalui laba rugi               value through profit or loss (FVTPL) in accordance
          (FVTPL) sesuai PSAK 71 dengan pengecualian untuk                with PSAK 71 with the exception of subsidiaries that
          entitas anak yang dianggap perpanjangan tangan                  are considered an extension of the Company’s
          dari aktivitas investasi Perusahaan (yaitu entitas              investing activities (i.e. a subsidiary that is non-
          anak yang bukan merupakan entitas investasi (sesuai             investment entity (in accordance with PSAK 65) which
          dengan PSAK 65) yang hanya memberikan jasa                      only provides investment management services to the
          manajemen investasi ke Perusahaan).                             Company).
Page 113
                                                 Ekshibit E/7                                                       Exhibit E/7

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                   AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                     NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                           YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                      (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)        (Expressed in millions of Rupiah, unless otherwise stated)
2.   DASAR    PENYUSUNAN           LAPORAN        KEUANGAN       2.   BASIS OF PREPARATION OF THE               CONSOLIDATED
     KONSOLIDASIAN (lanjutan)                                         FINANCIAL STATEMENTS (continued)

      f. Prinsip konsolidasi (lanjutan)                               f. Principles of consolidation (continued)
         Oleh     karena      itu,     Perusahaan     hanya                As a result, the Company only consolidates
         mengkonsolidasikan entitas anak yang bukan                        subsidiaries that are non-investment entities (in
         merupakan entitas investasi (sesuai dengan PSAK 65)               accordance with PSAK 65) which provide investment
         tetapi memberikan jasa manajemen investasi pada                   management services to the Company (see Note 1e for
         Perusahaan (lihat Catatan 1e untuk daftar entitas                 the list of consolidated subsidiaries).
         anak yang dikonsolidasikan).
         Kepentingan nonpengendali atas aset neto entitas                  Non-controlling interests in the net assets of
         anak diidentifikasi pada tanggal kombinasi bisnis                 subsidiaries are identified at the date of business
         yang selanjutnya disesuaikan dengan proporsi atas                 combination and afterwards are adjusted by
         perubahan ekuitas entitas anak dan disajikan                      proportion of changes in equity of subsidiaries and
         sebagai bagian dari ekuitas pada laporan posisi                   presented as a part of equity in the consolidated
         keuangan konsolidasian.                                           statement of financial position.
          Bila pengendalian berakhir dalam periode berjalan,               Where control ceases during a financial period, its
          hasil usaha entitas tersebut dimasukkan ke dalam                 results are included in the consolidated financial
          laporan keuangan konsolidasian untuk bagian tahun                statements for the part of the year during which
          dimana pengendalian masih berlangsung.                           control existed.

         Kebijakan akuntansi yang digunakan dalam                          The accounting policies adopted in preparing the
         penyusunan laporan keuangan konsolidasian telah                   consolidated financial statements have been
         diterapkan secara konsisten oleh Grup dalam semua                 consistently applied by the Group in all material
         hal yang material.                                                respects.

          Seluruh transaksi dan saldo yang material antara                 All material transactions and balances between
          perusahaan-perusahaan yang dikonsolidasikan telah                consolidated companies have been eliminated,
          dieliminasi, termasuk keuntungan dan kerugian hasil              including unrealized gains and losses arising from
          dari transaksi antar perusahaan yang belum                       intercompany transactions.
          direalisasi.

         Perubahan dalam bagian kepemilikan Perusahaan                     Changes in the Company’s ownership interest in a
         pada entitas anak yang dikonsolidasikan yang tidak                consolidated subsidiary that do not result in the loss
         mengakibatkan hilangnya pengendalian dicatat                      of control are accounted for as equity transactions.
         sebagai transaksi ekuitas. Bagian Perusahaan atas                 The Company’s share of equity transactions of the
         transaksi ekuitas entitas anak tersebut disajikan                 subsidiaries is presented as "other equity
         sebagai "komponen ekuitas lainnya" dalam bagian                   components" under the equity section of the
         ekuitas pada laporan posisi keuangan konsolidasian.               consolidated statement of financial position. When
         Ketika pengendalian atas entitas anak yang                        control over a previous consolidated subsidiary is
         dikonsolidasikan hilang, bagian kepemilikan yang                  lost, any remaining interest in the entity is
         tersisa di entitas tersebut diukur kembali pada nilai             remeasured at fair value and the resulting gain or
         wajarnya dan keuntungan atau kerugian yang                        loss is recognised in profit or loss.
         dihasilkan diakui dalam laba rugi.

      g. Standar akuntansi baru                                       g.   New accounting standards

         Amandemen standar yang berlaku untuk periode                      Amendments to standards that are effective for
         tahun yang dimulai pada 1 Januari 2023 dinilai tidak              annual period beginning on 1 January 2023 are
         berlaku atau diperkirakan tidak memiliki dampak                   assessed as either not applicable or are expected to
         material terhadap laporan keuangan konsolidasian                  have immaterial impact to the Group’s consolidated
         Grup.                                                             financial statements.


3. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL                    3.    SUMMARY OF MATERIAL ACCOUNTING POLICIES

     Kebijakan-kebijakan akuntansi berikut ini telah                   The accounting policies set out below have been applied
     diterapkan dengan konsisten untuk semua periode yang              consistently to all periods presented in these
     disajikan dalam laporan keuangan konsolidasian.                   consolidated financial statements.
Page 114
                                               Ekshibit E/8                                                       Exhibit E/8

         PT SARATOGA INVESTAMA SEDAYA Tbk.                              PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                 AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                   NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                         YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                    (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)      (Expressed in millions of Rupiah, unless otherwise stated)
3.   IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL                3.   SUMMARY OF         MATERIAL     ACCOUNTING       POLICIES
     (lanjutan)                                                     (continued)

     a. Instrumen keuangan (lanjutan)                          b.   a.   Financial instruments (continued)

        Suatu instrumen keuangan diakui pada saat Grup                   A financial instrument is recognized when the
        menjadi pihak dari ketentuan kontrak suatu                       Group becomes a party to the contractual provisions
        instrumen keuangan. Aset keuangan dihentikan                     of the instrument. Financial assets are
        pengakuannya pada saat hak kontraktual Grup atas                 derecognized when the Group’ contractual rights to
        arus kas yang berasal dari aset keuangan tersebut                the cash flows from the financial assets expire, i.e.
        kadaluwarsa, yaitu ketika aset dialihkan kepada                  when the asset is transferred to another party
        pihak lain tanpa mempertahankan pengendalian                     without retaining control or when substantially all
        atau pada saat seluruh risiko dan manfaat telah                  risks and rewards are transferred. Financial
        ditransfer secara substansial. Liabilitas keuangan               liabilities are derecognized if the Group’s
        dihentikan pengakuannya jika liabilitas Grup                     obligation expires, or are discharged or cancelled.
        kadaluwarsa, atau dilepaskan atau dibatalkan.

        (1)   Aset keuangan                                              (1)   Financial assets

              Saat pengakuan awal, suatu aset keuangan                         On initial recognition, a financial asset is
              diklasifikasikan sebagai diukur pada: biaya                      classified as measured at: amortized cost;
              perolehan diamortisasi; nilai wajar melalui                      fair value through other comprehensive
              penghasilan komprehensif lain (“FVOCI”) –                        income (“FVOCI”) – debt investment; FVOCI –
              investasi dalam efek utang; FVOCI – investasi                    equity investment; or fair value through
              dalam efek ekuitas; atau nilai wajar melalui                     profit or loss (“FVTPL”). Financial assets are
              laba rugi (“FVTPL”). Aset keuangan                               not reclassified subsequent to their initial
              selanjutnya tidak direklasifikasi kecuali Grup                   recognition unless the Group changes its
              mengubah model bisnisnya dalam mengelola                         business model for managing the financial
              aset keuangan tersebut.                                          assets.

              Suatu aset keuangan, yang tidak ditetapkan                       A financial asset, which is not designated as
              sebagai diukur pada FVTPL, adalah diukur                         measured at FVTPL, is measured at amortized
              pada biaya perolehan diamortisasi apabila                        cost if it is held within a business model whose
              dikelola dalam model bisnis yang bertujuan                       objective is to hold assets to collect
              untuk memiliki aset keuangan tersebut dalam                      contractual cash flows and its contractual
              rangka mendapatkan arus kas kontraktual dan                      terms give rise on specified dates to cash flows
              persyaratan kontraktual dari aset keuangan                       that are solely payments of principal and
              tersebut menghasilkan arus kas pada tanggal                      interest on the principal amount outstanding.
              tertentu yang semata dari pembayaran pokok
              dan bunga dari jumlah pokok terutang.

              Suatu investasi dalam efek utang, yang tidak                     A debt investment, which is not designated as
              ditetapkan sebagai diukur pada FVTPL, diukur                     measured at FVTPL, is measured at amortized
              pada biaya perolehan diamortisasi atau FVOCI                     cost or FVOCI if it is held within a business
              apabila dikelola dalam model bisnis yang                         model whose objective is achieved by both
              tujuannya dicapai dengan mendapatkan arus                        collecting contractual cash flows and selling
              kas kontraktual dan menjual aset keuangan                        financial assets and its contractual terms give
              dan persyaratan kontraktual tersebut                             rise on specified dates to cash flows that are
              menghasilkan arus kas pada tanggal tertentu                      solely payments of principal and interest on
              yang semata berasal dari pembayaran pokok                        the principal amount outstanding.
              dan bunga dari jumlah pokok terutang.

              Saat pengakuan awal investasi dalam efek                         On initial recognition of an equity investment
              ekuitas    yang     tidak    dimiliki   untuk                    that is not held for trading, the Group may
              diperdagangkan, Grup dapat mengambil                             irrevocably elect to present subsequent
              pilihan yang tidak dapat dibatalkan untuk                        changes in the investment’s fair value in other
              menyajikan perubahan selanjutnya pada nilai                      comprehensive income. This election is made
              wajar investasi dalam efek ekuitas tersebut                      on an investment-by-investment basis.
              dalam penghasilan komprehensif lain.
              Pemilihan ini dilakukan per setiap investasi.
Page 115
                                                Ekshibit E/9                                                          Exhibit E/9

         PT SARATOGA INVESTAMA SEDAYA Tbk.                               PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                  AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                    NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                          YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                     (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)       (Expressed in millions of Rupiah, unless otherwise stated)
3.   IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL                 3.   SUMMARY OF           MATERIAL       ACCOUNTING       POLICIES
     (lanjutan)                                                      (continued)

     a. Instrumen keuangan (lanjutan)                           b. a.      Financial instruments (continued)

        (1) Aset keuangan (lanjutan)                                       (1)   Financial assets (continued)
             Seluruh      aset    keuangan     yang     tidak                    All financial assets are not classified as
             diklasifikasikan sebagai diukur pada biaya                          measured at amortized cost or FVOCI as
             perolehan diamortisasi atau FVOCI sesuai                            described above are measured at FVTPL. On
             penjelasan di atas adalah diukur pada FVTPL.                        initial recognition, the Group may irrevocably
             Pada pengakuan awal, Grup dapat mengambil                           designate a financial asset that otherwise
             pilihan yang tidak dapat dibatalkan untuk                           meets the requirements to be measured at
             mengukur suatu aset keuangan, yang                                  either amortized cost, FVOCI, or at FVTPL if
             memenuhi ketentuan untuk diukur pada antara                         doing so eliminates or significantly reduces an
             biaya perolehan diamortisasi, FVOCI, atau                           accounting mismatch that would otherwise
             FVTPL       apabila      penetapan     tersebut                     arise.
             mengeliminasi       atau    secara    signifikan
             mengurangi inkonsistensi pengukuran yang
             timbul tanpa penetapan tersebut.

             Aset keuangan Grup yang diukur pada FVTPL                           The Group’s financial assets measured at FVTPL
             adalah investasi pada saham dan investasi pada                      are investments in shares and investments in
             efek lainnya. Aset keuangan tersebut diukur                         other securities. These financial assets are
             pada nilai wajar. Keuntungan dan kerugian                           measured at fair value. Net gains and losses,
             neto, termasuk penghasilan bunga atau                               including any interest or dividend income, are
             dividen, diakui di laba rugi.                                       recognized in profit or loss.
             Aset keuangan Grup yang diukur pada biaya                           The Group’s financial assets measured at
             perolehan diamortisasi adalah kas dan setara                        amortized cost are cash and cash equivalents,
             kas, kas yang dibatasi penggunaannya, dan                           restricted cash, and receivables.          These
             piutang. Aset keuangan tersebut awalnya                             financial assets are initially recognized at fair
             diakui pada nilai wajar ditambah biaya                              value plus directly attributable transaction
             transaksi yang dapat diatribusikan secara                           costs and subsequently measured at amortized
             langsung dan selanjutnya diukur pada biaya                          cost using the effective interest method. The
             perolehan diamortisasi dengan menggunakan                           amortized cost is reduced by impairment
             metode suku bunga efektif. Biaya perolehan                          losses. Interest income, foreign exchange gains
             diamortisasi dikurangi dengan penurunan nilai.                      and losses and impairment are recognized in
             Penghasilan bunga, keuntungan dan kerugian                          profit or loss. Any gain or loss on derecognition
             nilai tukar, dan penurunan nilai diakui di laba                     is also recognized in profit or loss.
             rugi.      Keuntungan atau kerugian dari
             penghentian pengakuan juga diakui di laba
             rugi.

             Grup tidak memiliki aset keuangan yang diukur                       The Group does not have any financial assets
             pada FVOCI.                                                         measured at FVOCI.

        (2) Liabilitas keuangan                                      (3)   (2)   Financial liabilities
             Liabilitas keuangan diklasifikasikan sebagai                         Financial liabilities are classified as measured
             diukur pada biaya perolehan diamortisasi atau                        at amortized cost or FVTPL. A financial
             pada FVTPL. Suatu liabilitas keuangan                                liability is classified as measured at FVTPL if
             diklasifikasikan sebagai diukur pada FVTPL                           it is classified as held-for-trading, it is a
             apabila     dimiliki untuk   diperdagangkan,                         derivative or it is designated as such on initial
             merupakan suatu instrumen derivatif atau                             recognition.
             ditetapkan sebagai diukur pada FVTPL pada
             pengakuan awalnya.
             Liabilitas keuangan Grup lainnya yang diukur                         The Group’s other financial liabilities
             pada biaya perolehan diamortisasi adalah utang                       measured at amortized cost are other
             lainnya dan pinjaman. Liabilitas keuangan                            payables and borrowings. These financial
             tersebut awalnya diakui pada nilai wajar                             liabilities are initially recognized at fair value
             dikurangi biaya transaksi dan selanjutnya                            deducted transaction costs and subsequently
             diukur pada biaya perolehan diamortisasi                             measured at amortized cost using the
             dengan menggunakan metode suku bunga                                 effective interest method. Interest expense
             efektif. Biaya bunga dan keuntungan dan                              and foreign exchange gains and losses are
             kerugian nilai tukar diakui di laba rugi.                            recognized in profit or loss. Any gain or loss
             Keuntungan atau kerugian dari penghentian                            on de-recognition is also recognized in profit
             pengakuan juga diakui di laba rugi.                                  or loss.
Page 116
                                             Ekshibit E/10                                                     Exhibit E/10

         PT SARATOGA INVESTAMA SEDAYA Tbk.                             PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                  NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                        YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                   (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)     (Expressed in millions of Rupiah, unless otherwise stated)
3.   IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL               3.   SUMMARY OF        MATERIAL     ACCOUNTING        POLICIES
     (lanjutan)                                                    (continued)

     a. Instrumen keuangan (lanjutan)                         c.   a. Financial instruments (continued)

        (3) Penentuan nilai wajar                                      (3)   Determination of fair value
             Nilai wajar adalah harga yang akan diterima                     Fair value is the price that would be received
             untuk menjual suatu aset atau harga yang akan                   to sell an asset or the price that would be paid
             dibayar untuk mengalihkan suatu liabilitas                      to transfer a liability in an orderly transaction
             dalam transaksi teratur antara pelaku pasar                     between market participants at the
             pada tanggal pengukuran.                                        measurement date.
        (4) Penghentian pengakuan                                      (4)   Derecognition
             Grup menghentikan pengakuan aset keuangan                       The Group derecognizes the financial assets
             ketika, dan hanya ketika, hak kontraktual atas                  when, and only when, the contractual rights
             arus kas yang berasal dari aset keuangan                        to receive the cash flows from these financial
             tersebut kadaluarsa atau Grup mengalihkan                       assets have ceased to exist or the Group
             seluruh hak kontraktual tersebut di mana                        transfers such contractual rights, in which
             seluruh risiko dan manfaat atas kepemilikan                     substantially all the risks and rewards of
             aset keuangan juga dialihkan. Setiap hak atau                   ownership of the financial assets are also
             kewajiban atas aset keuangan yang dialihkan                     transferred. Any rights or obligations on the
             yang timbul atau yang masih dimiliki oleh Grup                  transferred financial assets that arise or are
             diakui sebagai aset atau liabilitas secara                      still owned by the Group are recognized as
             terpisah.                                                       assets or liabilities separately.
             Grup menghentikan pengakuan liabilitas                          The Group derecognizes financial liabilities
             keuangan ketika, dan hanya ketika, kewajiban                    when, and only when, the obligation specified
             yang ditetapkan dalam kontrak kadaluarsa,                       in the contract expires, is discharged or
             dilepaskan atau dibatalkan.                                     cancelled.

        (5) Salinghapus instrumen keuangan                             (5)   Offsetting financial instruments

             Aset keuangan dan liabilitas keuangan dapat                     Financial assets and liabilities are set-off and
             salinghapus dan nilai netonya disajikan dalam                   the net amount is presented in the statements
             laporan posisi keuangan ketika, dan hanya                       of financial position when, and only when,
             ketika, Grup memiliki hak atas dasar hukum                      the Group has the legal right to set off the
             untuk melakukan salinghapus atas jumlah yang                    amounts and intends either to settle on a net
             telah diakui tersebut dan berniat untuk                         basis or realize the asset and settle the
             menyelesaikan        secara    neto,     atau                   liabilities simultaneously.
             merealisasikan aset dan menyelesaikan
             liabilitas secara simultan.

             Hak salinghapus harus tidak bergantung atas                     The right of set-off must not be contingent on
             peristiwa di masa depan dan harus dapat                         a future event and must be legally
             dipaksakan secara hukum terhadap seluruh                        enforceable in all of the following
             keadaan sebagai berikut:                                        circumstances:
              a. situasi bisnis yang normal;                                 a. the normal course of business;
              b. peristiwa kegagalan; dan                                    b. the event of default; and
              c. peristiwa kepailitan atau kebangkrutan                      c. the event of insolvency or bankruptcy of
                   dari entitas dan seluruh pihak lawan.                          the Group and all of the counterparties.
Page 117
                                             Ekshibit E/11                                                      Exhibit E/11

         PT SARATOGA INVESTAMA SEDAYA Tbk.                             PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                  NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                        YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                   (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)     (Expressed in millions of Rupiah, unless otherwise stated)
3.   IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL               3.     SUMMARY OF        MATERIAL     ACCOUNTING       POLICIES
     (lanjutan)                                                      (continued)

     a. Instrumen keuangan (lanjutan)                         d.     a. Financial instruments (continued)

        (6) Penurunan nilai                                              (6)   Impairment

             Grup mengakui cadangan untuk kerugian kredit                      The Group recognizes loss allowances for
             ekspektasian (“ECL”) atas aset keuangan                           expected credit loss (“ECL”) on financial
             diukur pada biaya perolehan diamortisasi. ECL                     assets measured at amortized cost. ECLs are
             merupakan suatu perkiraan probabilitas                            a probability-weighted estimate of credit
             tertimbang atas terjadinya kerugian kredit.                       losses. Credit losses are measured as the
             Kerugian kredit diukur sebagai nilai kini atas                    present value of all cash shortfalls, i.e. the
             seluruh kekurangan penerimaan kas, yaitu                          difference between the cash flows due to the
             selisih antara arus kas yang terutang ke Grup                     Group in accordance with the contract and the
             sesuai kontrak dan arus kas yang diharapkan                       cash flows that the Group expects to receive.
             akan diterima Grup. ECL didiskontokan dengan                      ECLs are discounted at the effective interest
             suku bunga efektif dari aset keuangannya.                         rate of the financial asset.

             Pada setiap tanggal pelaporan, Grup menelaah                      At each reporting date, the Group assesses
             apakah aset keuangan diukur pada biaya                            whether financial assets carried at amortized
             perolehan diamortisasi mengalami penurunan                        cost are impaired. A financial asset is
             nilai. Suatu aset keuangan mengalami                              impaired when one or more events that have
             penurunan nilai apabila terdapat satu atau                        a detrimental impact on the estimated future
             lebih peristiwa, yang memiliki implikasi                          cash flows of the financial asset have
             menurunkan perkiraan arus kas masa depan                          occurred.
             dari aset keuangan, telah terjadi.

             Bukti bahwa suatu aset keuangan mengalami                         Evidence that a financial asset is impaired
             penurunan nilai termasuk data yang dapat                          includes the following observable data:
             diobservasi sebagai berikut:

                kesulitan keuangan signifikan;                                   significant financial difficulty;
                ada probabilitas bahwa peminjam akan                             it is probable that the borrower will enter
                 bangkrut atau mengalami reorganisasi                              bankruptcy       or      other    financial
                 keuangan; atau                                                    reorganisation; or
                suatu pelanggaran dari kontrak seperti                           a breach of contract such as a default or
                 gagal bayar, atau sudah menunggak lebih                           being more than 90 days past due.
                 dari 90 hari.

     b. Transaksi dengan pihak-pihak berelasi                      d. b. Related party transactions

        Grup menerapkan PSAK 7, Pengungkapan Pihak-                     The Group applies PSAK 7, Related Party Disclosures.
        pihak    Berelasi.    PSAK    ini  mensyaratkan                 The PSAK requires the disclosures of related party
        pengungkapan hubungan, transaksi dan saldo pihak-               relationships, transactions and outstanding balances,
        pihak berelasi, termasuk komitmen, dalam laporan                including commitments, in the consolidated financial
        keuangan konsolidasian.                                         statements.

     c. Kas dan setara kas                                     e. c. Cash and cash equivalents
        Kas dan setara kas mencakup kas, kas pada bank,                 Cash and cash equivalents are cash on hand, cash in
        deposito berjangka dan investasi jangka pendek                  banks, time deposits and short-term investments with
        yang akan jatuh tempo dalam waktu tiga bulan atau               a maturity period of three months or less at the time
        kurang terhitung sejak ditempatkan, dan tidak                   of placement and which are not used as collateral or
        digunakan sebagai jaminan atau tidak dibatasi                   are not restricted.
        penggunaannya.

     d. Saham tresuri                                                d. Treasury stock

        Saham tresuri diukur sebesar imbalan yang                       Treasury stock is measured at consideration paid,
        dibayarkan, termasuk biaya transaksi signifikan                 including any significant directly attributable
        yang dapat diatribusikan secara langsung (dikurangi             transaction costs (net of taxes), and is deducted from
        pajak), dan dikurangkan dari ekuitas yang dapat                 equity attributable to the owners of the Company.
        diatribusikan kepada pemilik Perusahaan.
Page 118
                                               Ekshibit E/12                                                     Exhibit E/12

         PT SARATOGA INVESTAMA SEDAYA Tbk.                               PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                  AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                    NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                          YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                     (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)       (Expressed in millions of Rupiah, unless otherwise stated)

3.   IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL                 3.   SUMMARY OF        MATERIAL     ACCOUNTING       POLICIES
     (lanjutan)                                                      (continued)

     e. Transaksi dan saldo dalam mata uang asing                    e. Transactions and balances in foreign currencies
        Transaksi dalam mata uang asing dijabarkan ke                  Transactions in foreign currencies are translated to
        masing-masing mata uang fungsional Grup                        the respective functional currencies of the Group at
        berdasarkan kurs yang berlaku pada saat transaksi              the exchange rates prevailing at the time the
        dilakukan. Pada tanggal pelaporan, aset dan                    transactions are made. At reporting date, monetary
        liabilitas moneter dalam mata uang asing                       assets and liabilities denominated in foreign
        dijabarkan ke mata uang fungsional berdasarkan                 currencies are retranslated to the functional currency
        kurs yang berlaku pada tanggal tersebut. Laba atau             at the exchange rate at that date. The resulting gains
        rugi selisih kurs yang timbul dikreditkan atau                 or losses are credited or charged to the statement of
        dibebankan pada laporan laba rugi dan penghasilan              profit or loss and other comprehensive income for the
        komprehensif lain periode berjalan.                            period.

        Untuk tujuan konsolidasi, laporan posisi keuangan              For the purpose of consolidation, the statement of
        entitas anak yang menggunakan mata uang selain                 financial position of a subsidiary reporting in a
        Rupiah dijabarkan ke Rupiah berdasarkan kurs yang              currency other than the Rupiah is translated to
        berlaku pada tanggal pelaporan. Penghasilan dan                Rupiah at the exchange rates prevailing at the
        beban dijabarkan ke Rupiah dengan kurs rata-rata               reporting date.    The income and expenses are
        yang berlaku selama tahun berjalan. Selisih kurs               translated to Rupiah at the average exchange rates
        yang    dihasilkan   diakui   pada    penghasilan              prevailing during the year. The resulting exchange
        komprehensif lain dalam laporan laba rugi dan                  differences are recognized in other comprehensive
        penghasilan komprehensif lain konsolidasian dan                income in the consolidated statement of profit or
        diakumulasikan dalam ekuitas di dalam pos selisih              loss and other comprehensive income, and are
        penjabaran laporan keuangan dalam mata uang                    accumulated in equity under the difference in
        asing.                                                         translation of financial statements in foreign
                                                                       currency.

        Aset dan liabilitas nonkeuangan yang diukur pada               Non-monetary assets and liabilities that are
        nilai wajar dalam mata uang asing dijabarkan                   measured at fair value in a foreign currency are
        kembali ke mata uang fungsional dengan                         retranslated to the functional currency at the
        menggunakan kurs yang berlaku pada tanggal nilai               exchange rate at the date that the fair value was
        wajar ditentukan. Aset dan liabilitas nonkeuangan              determined. Non-monetary items that are measured
        yang diukur atas dasar nilai historis dalam mata               based on historical cost in a foreign currency are
        uang asing dijabarkan menggunakan kurs yang                    translated using the exchange rate at the date of the
        berlaku pada tanggal transaksi.                                transaction.

        Selisih mata uang asing dalam penjabaran ulang                  Foreign currency differences arising on retranslation
        pada umumnya diakui pada laba rugi. Akan tetapi,                are generally recognized in profit or loss. However,
        selisih mata uang asing dari penjabaran investasi               foreign currency differences arising from the
        ekuitas yang tersedia untuk dijual diakui dalam                 retranslation    of     available-for-sale     equity
        penghasilan komprehensif lain, kecuali pada                     investments are recognized in other comprehensive
        penurunan nilai dimana selisih mata uang asing yang             income, except on impairment in which case foreign
        telah diakui dalam penghasilan komprehensif lain                currency differences that have been recognized in
        akan diakui ke laba rugi.                                       other comprehensive income are recognized to profit
                                                                        or loss.

        Ketika investasi atas entitas yang memiliki mata                When an investment in an entity with a functional
        uang fungsional selain Rupiah dilepas, pengaruh                 currency other than Rupiah is disposed or significant
        signifikan atau pengendalian bersama hilang,                    influence or joint control is lost, the cumulative
        jumlah akumulasi cadangan penjabaran terkait                    amount in the translation reserve related to that
        entitas tersebut direklasifikasi ke laba rugi sebagai           entity is reclassified to profit or loss as part of the
        bagian dari keuntungan atau kerugian pelepasan.                 gain or loss on disposal. When the Group disposes of
        Ketika Grup melepas sebagian kepemilikan atas                   only part of its interest in a subsidiary that includes
        entitas anak yang memiliki entitas semacam ini                  such entity while retaining control, the relevant
        namun tetap mempertahankan pengendalian,                        proportion of the cumulative amount of translation
        proporsi akumulasi cadangan penjabaran terkait                  reserve is reattributed to non-controlling interests.
        akan diatribusikan kembali ke kepentingan
        nonpengendali.
Page 119
                                               Ekshibit E/13                                                   Exhibit E/13

         PT SARATOGA INVESTAMA SEDAYA Tbk.                               PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                  AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                    NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                          YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                     (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)       (Expressed in millions of Rupiah, unless otherwise stated)

3. .IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL                  3. SUMMARY OF         SIGNIFICANT     MATERIAL      POLICIES
   .(lanjutan)                                                     (continued)

    f.   Pajak penghasilan                                         e.   Income tax

         Grup memperhitungkan konsekuensi pajak kini dan                The Group accounts for the current and future tax
         mendatang dari pemulihan (penyelesaian) jumlah                 consequences of the future recovery (settlement) of
         tercatat aset (liabilitas) masa depan yang diakui              the carrying amount of assets (liabilities) that are
         dalam laporan posisi keuangan konsolidasian , dan              recognized in the      consolidated statement of
         dari transaksi serta kejadian lain dari periode kini           financial position, and transactions and other
         yang diakui dalam laporan keuangan konsolidasian .             events of the current period that are recognized in
                                                                        the consolidated financial statements.

         Grup mencatat tambahan pajak penghasilan yang                  The
                                                                         d. Group presents additional income tax of
         berasal dari periode lalu yang ditetapkan dengan               previous periods through a tax assessment letter
         Surat Ketetapan Pajak (SKP), jika ada, sebagai                 (SKP), if any, assessed as part of “Income Tax
         bagian dari “Beban Pajak Penghasilan” dalam                    Expense” in the consolidated statement of profit
         laporan laba rugi dan penghasilan komprehensif lain            or loss and other comprehensive income.
         konsolidasian.

         Beban pajak penghasilan terdiri dari beban pajak               Income
                                                                         d.     tax expense comprises current and deferred
         kini dan pajak tangguhan penghasilan badan. Pajak              corporate income tax. Current tax and deferred tax
         kini dan pajak tangguhan diakui dalam laba rugi,               are recognized in profit or loss, except to the extent
         kecuali jika pajak tersebut terkait dengan transaksi           that they relate to items recognized directly in
         atau kejadian yang diakui secara langsung dalam                equity or in other comprehensive income.
         ekuitas atau dalam penghasilan komprehensif lain.
         Pajak kini adalah pajak terutang atau piutang pajak            Current
                                                                         d.       tax is the expected tax payable or
         yang diharapkan atas laba kena pajak (rugi pajak)              refundable on taxable income or loss for the year,
         selama tahun berjalan, dengan menggunakan tarif                using tax rates substantively enacted as of the
         pajak yang secara substantif berlaku pada tanggal              reporting date, and includes true-up adjustments
         pelaporan, dan termasuk penyesuaian atas provisi               made to the previous years’ tax provisions either to
         beban pajak tahun-tahun sebelumnya baik untuk                  reconcile them with the income tax reported in
         direkonsiliasikan dengan pajak penghasilan yang                annual tax returns, or to account for differences
         dilaporkan pada pelaporan pajak tahunan, atau                  arising from tax assessments.
         untuk memperhitungkan selisih yang timbul dari
         pemeriksaan pajak.
         Grup menerapkan metode aset dan liabilitas dalam               The
                                                                         d. Group applies the asset and liability method in
         menghitung beban pajaknya. Dengan metode ini,                  determining its income tax expense. Under this
         aset dan liabilitas pajak tangguhan diakui pada                method, deferred tax assets and liabilities are
         setiap tanggal pelaporan sebesar perbedaan                     recognized at each reporting date for temporary
         temporer aset dan liabilitas untuk tujuan pelaporan            differences between the assets and liabilities for
         keuangan dan tujuan perpajakan. Metode ini juga                financial reporting purpose and for taxation
         mengharuskan pengakuan manfaat pajak di masa                   purposes. This method also requires the recognition
         yang akan datang, seperti kompensasi rugi fiskal,              of future tax benefits, such as tax loss
         jika besar kemungkinan manfaat pajak tersebut                  carryforwards, to the extent that realization of such
         dapat direalisasi.                                             benefits is probable.
         Pajak tangguhan diukur dengan menggunakan tarif                Deferred
                                                                         d.      tax is measured at the tax rates that are
         pajak yang diharapkan untuk diterapkan atas                    expected to be applied to the temporary difference,
         perbedaan temporer pada saat pembalikan,                       when they reverse, based on the laws that have
         berdasarkan peraturan yang berlaku atau secara                 been enacted or substantially enacted at the
         substantif telah berlaku pada tanggal pelaporan.               reporting date.
                                                                         e.
         Aset pajak tangguhan merupakan sisa saldo neto                 Deferred
                                                                         f.       tax assets represent the net remaining
         dari manfaat pajak tangguhan yang telah diperoleh              balance of deferred tax benefits that have been
         dan dimanfaatkan sampai dengan tanggal                         originated and utilized through the reporting date.
         pelaporan. Aset pajak tangguhan ditelaah pada                  Deferred tax assets are reviewed at each reporting
         setiap tanggal pelaporan dan dikurangi sepanjang               date and are reduced to the extent that it is no
         manfaat pajaknya tidak dimungkinkan untuk                      longer probable that the related tax benefit will be
         direalisasikan; pengurangan tersebut dibalik ketika            realized; such reductions are reversed when the
         kemungkinan realisasinya melalui laba kena pajak               probability of their realization through future
         di masa depan meningkat.                                       taxable profits improves.
                                                                         g.
Page 120
                                               Ekshibit E/14                                                      Exhibit E/14

         PT SARATOGA INVESTAMA SEDAYA Tbk.                               PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                  AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                    NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                          YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                     (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)       (Expressed in millions of Rupiah, unless otherwise stated)

3. .IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL                  3. SUMMARY OF            MATERIAL     ACCOUNTING       POLICIES
   .(lanjutan)                                                     (continued)

    f.   Pajak penghasilan (lanjutan)                              f.      Income tax (continued)

         Aset pajak tangguhan yang belum diakui dinilai                    Unrecognized deferred tax assets are reassessed at
         kembali pada setiap tanggal pelaporan dan diakui                  each reporting date and recognized to the extent
         sepanjang kemungkinan besar laba kena pajak di                    that it has become probable that future taxable
         masa depan akan tersedia untuk digunakan.                         profits will be available against which they can be
                                                                           used.
         Aset dan liabilitas pajak tangguhan disajikan                     Deferred tax assets and liabilities are offset in the
         salinghapus     di   laporan    posisi   keuangan                 consolidated statement of financial position, except
         konsolidasian, kecuali aset dan liabilitas pajak                  if these are for different legal entities, in the same
         tangguhan untuk entitas hukum yang berbeda, hal                   manner the current tax assets and liabilities are
         ini berlaku juga untuk penyajian aset dan liabilitas              presented.
         pajak kini.

         Dalam menentukan nilai pajak kini dan pajak                       In
                                                                            d.determining the amount of current and deferred
         tangguhan, Grup memperhitungkan dampak dari                       tax, the Group takes into account the impact of
         posisi pajak yang tidak pasti, tambahan pajak dan                 uncertain tax positions, any additional taxes and
         penalti.                                                          penalties.

         Pajak final atas beberapa jenis transaksi yang                    Final
                                                                           d. tax on certain transactions that is calculated
         dikenakan atas nilai brutonya (yaitu atas jumlah                  based on the gross amount (i.e., amounts of cash
         uang yang diterima) tidak dianggap sebagai pajak                  received) is not considered as income tax.
         penghasilan.

    g.   Laba per saham                                            g.      Earnings per share

         Laba per saham dasar dihitung dengan membagi                      Basic
                                                                           d.    earnings per share are computed by dividing
         laba tahun berjalan yang dapat diatribusikan                      profit for the year attributable to the owners of
         kepada pemilik Perusahaan dengan jumlah rata-                     the Company by the weighted average of total
         rata tertimbang saham beredar/ditempatkan                         outstanding/issued shares during the year.
         selama tahun yang bersangkutan.

         Laba per saham dilusian dihitung dengan membagi                   Diluted
                                                                           d.       earnings per share are computed by
         laba tahun berjalan yang dapat diatribusikan                      dividing profit for the year attributable to owners
         kepada pemilik Perusahaan dengan total rata-rata                  of the Company to the weighted average of total
         tertimbang saham beredar/ditempatkan setelah                      outstanding/issued shares after considering
         mempertimbangkan penyesuaian atas dampak                          adjustments for conversion of all dilutive potential
         konversi dari semua instrumen berpotensi saham                    ordinary shares that may be issued by the Company.
         biasa bersifat dilutif yang mungkin diterbitkan
         Perusahaan.
         Jika jumlah saham biasa atau instrumen berpotensi                 If
                                                                           d. the number of ordinary shares or potential
         saham biasa yang beredar meningkat sebagai akibat                 ordinary shares outstanding increases as a result of
         dari kapitalisasi, penerbitan saham bonus atau                    capitalization, issuance of bonus shares or stock
         pemecahan saham atau menurun sebagai akibat                       splits, or decreases as a result of a merger of
         dari penggabungan saham, maka perhitungan laba                    shares, the calculation of basic or diluted earning
         per saham dasar dan dilusian untuk seluruh periode                per share for all periods is adjusted
         yang disajikan disesuaikan secara retrospektif.                   restrospectively.
    h.   Informasi segmen                                             h.   Segment reporting
         Grup    mengidentifikasikan    segmen     operasi                 The
                                                                           d. Group identifies its operating segments on the
         berdasarkan pelaporan internal yang dikaji secara                 basis of internal reports that are regularly
         berkala oleh pengambil keputusan operasional                      reviewed by the chief operating decision maker in
         utama dalam rangka mengalokasikan sumber daya                     order to allocate resources to the segment and
         dan menilai kinerja segmen operasi tersebut.                      assess its performance.
         Segmen operasi dilaporkan dengan cara yang              d.        Operating segments are reported in a manner
         konsisten dengan pelaporan internal yang diberikan                consistent with the internal reporting provided to
         kepada Dewan Direksi sebagai pengambil keputusan                  Board of Directors as the Group’s chief operating
         operasional Grup.                                                 decision maker.
Page 121
                                              Ekshibit E/15                                                     Exhibit E/15

         PT SARATOGA INVESTAMA SEDAYA Tbk.                              PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                 AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                   NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                         YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                    (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)      (Expressed in millions of Rupiah, unless otherwise stated)

3. .IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL                 3. SUMMARY OF           MATERIAL      ACCOUNTING      POLICIES
   .(lanjutan)                                                    (continued)

    i.   Pembayaran berbasis saham                                   i.   Share based-payments

         Perusahaan memberikan saham kepada manajemen           e.        The Company provides share grants to the eligible
         karyawan yang memenuhi syarat melalui Program                    employees through the Management Employee
         Pemberian Saham untuk Karyawan Manajemen.                        Share Grant Plan.
                                                                f.
         Nilai wajar saat tanggal pemberian kompensasi                    The grant-date fair value of share-based payment
         berbasis saham ke karyawan diakui sebagai beban                  compensation granted to employees is recognized
         usaha – pembayaran berbasis saham, beserta                       as an operating expense – employee stock option,
         perubahan terkaitnya di ekuitas, selama periode                  with a corresponding increase in equity, over the
         sampai dengan karyawan berhak tanpa syarat atas                  period that the employees become unconditionally
         penghargaan tersebut.                                            entitled to the awards.

         Nilai yang diakui sebagai beban disesuaikan untuk                The amount recognized as an expense is adjusted to
         menggambarkan nilai penghargaan yang terkait                     reflect the number of awards for which the related
         dengan kondisi masa kerja yang diharapkan dapat                  service conditions are expected to be met, such that
         terpenuhi, sehingga pada akhirnya nilai yang diakui              the amount ultimately recognized as an expense is
         sebagai beban didasarkan pada nilai penghargaan                  based on the number of awards that meet the
         yang memenuhi kondisi jasa terkait pada saat                     related service conditions at the vesting date. For
         tanggal vesting. Untuk kompensasi berbasis saham                 share-based      compensation        with     market
         dengan kondisi kinerja pasar, nilai wajar saat                   performance conditions, the respective grant-date
         tanggal pemberiannya diukur untuk merefleksikan                  fair value is measured to reflect such conditions and
         kondisi tersebut dan tidak terdapat penyesuaian                  there is no true-up for differences between
         untuk perbedaan antara hasil yang diharapkan dan                 expected and actual outcomes.
         aktualnya.

         Pada tanggal 31 Desember 2023 dan 2022, saldo                    As of 31 December 2023 and 2022, the outstanding
         akumulasi pembayaran berbasis saham Perusahaan                   balance of the accumulated share based payments
         masing-masing sebesar Rp29.020 dan Rp32.616.                     amounted to Rp29,020 and Rp32,616, respectively.
Page 122
                                              Ekshibit E/16                                                        Exhibit E/16

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                 PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                    AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                      NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                            YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                       (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)         (Expressed in millions of Rupiah, unless otherwise stated)

4.   KAS DAN SETARA KAS                                           4.   CASH AND CASH EQUIVALENTS
                                             31 Desember/              31 Desember/
                                             December 2023             December 2022
     Kas                                                                                                              Cash on hand
           Rupiah                                            10                        10                              Rupiah
     Kas di bank pihak tidak berelasi                                                               Cash in non-related party banks
          Rupiah                                                                                                        Rupiah
          PT Bank Permata Tbk.                         58.940                  250.705                    PT Bank Permata Tbk.
          PT Bank DBS Indonesia                        32.188                  226.843                   PT Bank DBS Indonesia
          PT Bank Central Asia Tbk.                     2.178                   19.984               PT Bank Central Asia Tbk.
          MUFG Bank, Ltd., cabang Jakarta                 582                      582         MUFG Bank, Ltd., Jakarta branch
          PT Bank HSBC Indonesia                          447                      506                  PT Bank HSBC Indonesia
          PT Bank UOB Indonesia                           171                      172                   PT Bank UOB Indonesia
          PT Bank Mega Tbk.                                79                       80                       PT Bank Mega Tbk.
          Standard Chartered Bank cabang                                                      Standard Chartered Bank, Jakarta
            Jakarta                                          44                        60                            branch
                                                       94.629                  498.932
           Dolar AS                                                                                                  US Dollar
           Standard Chartered Bank cabang                                               -   Standard Chartered Bank, Singapore
             Singapura                               315.847                                                         branch
           PT Bank DBS Indonesia                      23.291                     3.132                   PT Bank DBS Indonesia
           United Overseas Bank, cabang                                                        United Overseas Bank, Singapore
             Singapura                                  7.849                   26.583                               branch
           PT Bank Permata Tbk.                         3.862                   17.553                    PT Bank Permata Tbk.
           PT Bank HSBC Indonesia                         432                      196                  PT Bank HSBC Indonesia
           Standard Chartered Bank cabang                 339                      348        Standard Chartered Bank, Jakarta
             Jakarta                                                                                                 branch
           MUFG Bank, Ltd., cabang Jakarta               301                       786         MUFG Bank, Ltd., Jakarta branch
           PT Bank UOB Indonesia                         213                       219                   PT Bank UOB Indonesia
           PT Bank Mega Tbk.                             103                       107                       PT Bank Mega Tbk.
           DBS Bank Ltd., Singapura                       74                        76                DBS Bank Ltd., Singapore
                                                     352.311                    49.000
           Dolar Singapura                                                                                   Singapore Dollar
           United Overseas Bank, cabang                                                        United Overseas Bank, Singapore
             Singapura                                  1.757                      290                               branch
           DBS Bank Ltd., Singapura                       366                        -                DBS Bank Ltd., Singapore
           Standard Chartered Bank, cabang                                                  Standard Chartered Bank, Singapore
             Singapura                                     14                        -                               branch
                                                        2.137                      290

     Jumlah kas di bank                              449.077                   548.222                          Total cash in banks

     Deposito berjangka di bank pihak
       tidak berelasi                                                                     Time deposits in non-related party banks
          Rupiah                                                                                                       Rupiah
          PT Bank DBS Indonesia                       35.000)                           -               PT Bank DBS Indonesia

           Dolar AS                                                                                                   US Dollar
           United Overseas Bank, cabang                                                        United Overseas Bank, Singapore
             Singapura                               163.410)                         -                              branch
           PT Bank DBS Indonesia                      17.728)                   314.620                  PT Bank DBS Indonesia
                                                     181.138)                   314.620
     Jumlah deposito berjangka                       216.138)                   314.620                         Total time deposits

     Jumlah kas dan setara kas                       665.225)                  862.852             Total cash and cash equivalents
Page 123
                                                                      Ekshibit E/17                                                                                         Exhibit E/17

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                                                   PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                                                      AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                                                        NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                                              YEARS ENDED 31 DECEMBER 2023 AND 2022
                      (LANJUTAN)                                                                                           (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                                           (Expressed in millions of Rupiah, unless otherwise stated)

4.   KAS DAN SETARA KAS (lanjutan)                                                              4.       CASH AND CASH EQUIVALENTS (continued)

     Kisaran suku bunga kontraktual dari deposito berjangka                                              The range of contractual interest rates earned from the
     di atas adalah sebagai berikut:                                                                     above time deposits is as follows:
                                                                  31 Desember/                         31 Desember/
                                                                  December 2023                        December 2022
     Rupiah                                                         2,50% - 5,00%                                 -                                                                 Rupiah
     Dolar AS                                                       2,00% - 5,49%                               3,00%                                                             US Dollar

5.   INVESTASI PADA SAHAM                                                                       5.        INVESTMENTS IN SHARES

                                             31 Desember/December 2023                                     31 Desember/December 2022
                                                            Teknik                                                         Teknik
                                                           penilaian                                                      penilaian
                                                          nilai wajar                                                    nilai wajar
                                                         (Catatan 2e)/                                                  (Catatan 2e)/
                                     Persentase           Fair value                                 Persentase          Fair value
                                    kepemilikan/           valuation                                kepemilikan/          valuation
                                    Percentage of         techniques           Nilai wajar/         Percentage of        techniques          Nilai wajar/
              Investasi               ownership            (Note 2e)           Fair value             ownership           (Note 2e)          Fair value                   Investments
                                                                                    Rp                                                            Rp

     INVESTASI DI PERUSAHAAN                                                                                                                                       INVESTMENTS IN BLUE CHIP
        BLUE CHIP                                                                                                                                                             COMPANIES

       PT TOWER BERSAMA                                                                                                                                                PT TOWER BERSAMA
         INFRASTRUCTURE TBK.                                                                                                                                       INFRASTRUCTURE TBK.
         (“TBIG”) (2023: 31,48%                                                                                                                                   (“TBIG”) (2023: 31.48%
         dan 2022: 26,69%)                                                                                                                                             and 2022: 26.69%)
         Kepemilikan tidak
            langsung melalui                                                                                                                                    Indirect ownership through
            PT Wahana Anugerah                                                                                                                                      PT Wahana Anugerah
            Sejahtera                    9,26%              Level 1                4.385.492            4,95%              Level 1                2.579.960                   Sejahtera

       BERSAMA DIGITAL                                                                                                                                                    BERSAMA DIGITAL
         INFRASTRUCTURE ASIA                                                                                                                                      INFRASTRUCTURE ASIA
         PTE. LTD. (“BDIA”) (**)         29,49%             Level 2              12.062.637            29,64%              Level 2               11.737.574       PTE. LTD. (“BDIA”) (**)
        (Perusahaan memiliki
        kepemilikan efektif                                                                                                                                             (The Company owned
        sebesar 22,22% dan                                                                                                                                            effective ownership of
        21,74% di TBIG melalui                                                                                                                                    22.22% and 21.74% in TBIG
        BDIA pada tahun 2023 dan                                                                                                                                    through BDIA in 2023 and
        2022)                                                                                                                                                                          2022)

       PT MERDEKA COPPER                                                                                                                                        PT MERDEKA COPPER GOLD
         GOLD TBK. (“MDKA”)                                                                                                                                             TBK. (“MDKA”)
         Kepemilikan langsung            18,80%             Level 1              12.237.513            18,35%              Level 1               18.223.478            Direct ownership

       PT ADARO ENERGY
         INDONESIA TBK.                                                                                                                                                 PT ADARO ENERGY
         (“ADRO”) (2023 dan                                                                                                                                     INDONESIA TBK. (“ADRO”)
         2022: 15,18%)                                                                                                                                           (2023 and 2022: 15.18%)
         Kepemilikan langsung            3,67%              Level 1                2.796.240            3,67%              Level 1                4.523.329              Direct ownership
         Kepemilikan tidak
            langsung melalui                                                                                                                                             Indirect ownership
            asosiasi: PT Adaro                                                                                                                                        through associate:
            Strategic Capital                                                                                                                                         PT Adaro Strategic
            (ASC) (***)                   25%               Level 2                6.263.706           25,00%              Level 2               10.130.568            Capital (ASC) (***)
         Kepemilikan tidak
            langsung melalui                                                                                                                                     Indrect ownership through
            asosiasi: PT Adaro                                                                                                                                                 associate:
            Strategic Lestari                                                                                                                                         PT Adaro Strategic
            (ASL) (***)                  29,79%             Level 2                2.496.946           29,79%              Level 2                4.038.381            Lestari (ASL) (***)

         Jumlah investasi di                                                                                                                                           Total investment in
           saham blue chip                                                      40.242.534                                                      51.233.290              blue chip shares


       (**) Nilai wajar investasi di BDIA terdiri dari investasi pada saham PT Tower Bersama
            Infrastructure Tbk. dan investasi pada perusahaan lainnya. Pada tanggal 31 Desember
                                                                                                                  m.
                                                                                                                (**)  The fair value of investment in BDIA consist of investment in PT Tower Bersama
                                                                                                                     Infrastructure Tbk. and investment in other companies. As of 31 December 2023,
            2023, nilai investasi di perusahaan lainnya adalah sebesar Rp1.493.841.                                  the investment in other companies is amounted to Rp1,493,841.
                                                                                                                 n.
       (***) Nilai ini merupakan nilai investasi pada ASC dan ASL dimana nilai wajar dari ASC dan
            ASL sebagian besar berasal dari nilai investasi pada saham di PT Adaro Energy
                                                                                                                  m.
                                                                                                                (***) The amount represents the investment in ASC and ASL whereas the fair value of
                                                                                                                    ASC and ASL mainly represents the investment in PT Adaro Energy Indonesia Tbk
            Indonesia Tbk melalui kepemilikan tidak langsung di PT Adaro Strategic Investments.                     through indirect ownership in PT Adaro Strategic Investments.
Page 124
                                                              Ekshibit E/18                                                                             Exhibit E/18

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                                    PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                                       AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                                         NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                               YEARS ENDED 31 DECEMBER 2023 AND 2022
                      (LANJUTAN)                                                                            (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                            (Expressed in millions of Rupiah, unless otherwise stated)
5.   INVESTASI PADA SAHAM (lanjutan)                                                 5.       INVESTMENTS IN SHARES (continued)
                                       31 Desember/December 2023                            31 Desember/December 2022
                                                    Teknik                                                 Teknik
                                                   penilaian                                              penilaian
                                                  nilai wajar                                            nilai wajar
                                                 (Catatan 2e)/                        Persentase        (Catatan 2e)/
                                  Persentase      Fair value                         kepemilikan/        Fair value
                                 kepemilikan/      valuation                          Percentage          valuation
                                 Percentage of    techniques      Nilai wajar/            of             techniques     Nilai wajar/
             Investasi             ownership       (Note 2e)      Fair value          ownership           (Note 2e)     Fair value                    Investments
                                                                       Rp                                                    Rp

     INVESTASI DI PERUSAHAAN                                                                                                                              INVESTMENTS IN
        BERKEMBANG                                                                                                                            GROWTH FOCUSED COMPANIES

     Perusahaan publik:                                                                                                                                         Listed entities:

       PT MITRA PINASTHIKA
         MUSTIKA          TBK.                                                                                                                        PT MITRA PINASTHIKA
         (“MPMX”)                                                                                                                                 MUSTIKA TBK. (“MPMX”)
         Kepemilikan langsung        56,69%         Level 1          2.656.588            56,69%           Level 1          2.833.694                    Direct ownership

       PT PROVIDENT
         INVESTASI BERSAMA                                                                                                                         PT PROVIDENT INVESTASI
         TBK. (“PALM”)                                                                                                                             BERSAMA TBK. (“PALM”)
          Kepemilikan tidak
            langsung melalui
            PT Saratoga Sentra                                                                                                                   Indrect ownership through:
            Business                 19,87%         Level 1            884.390            19,87%           Level 1            898.540         PT Saratoga Sentra Business

       PT SAMATOR INDO GAS                                                                                                                             PT SAMATOR INDO GAS
         TBK. (“AGII”)                                                                                                                                        TBK. (“AGII”)
         Kepemilikan langsung        10,00%         Level 1            466.132            10,00%           Level 1            594.932                      Direct ownership

       PT NUSA RAYA CIPTA                                                                                                                                PT NUSA RAYA CIPTA
         TBK. (“NRCA”)                                                                                                                                      TBK. (“NRCA”)
         Kepemilikan langsung        6,97%          Level 1             57.739            6,97%            Level 1             52.522                      Direct ownership

       Perusahaan publik
         Lainnya                                                                                                                                         Other listed entities
         Kepemilikan langsung         <5%           Level 1            359.422             <5%             Level 1            454.450                     Direct ownership

     Perusahaan nonpublik:                                                                                                                                  Non-listed entities:

         Kepemilikan langsung dan
           tidak langsung melalui                                                                                                              Direct and indirect ownership
           entitas anak:                                                                                                                            through subsidiaries:
             PT Saratoga Sentra
             Business, PT Nugraha
             Eka Kencana,
             PT Surya Nuansa                                                                                                                 PT Saratoga Sentra Business,
             Ceria, PT Sukses                                                                                                                   PT Nugraha Eka Kencana,
             Indonesia, PT Interra                                                                                                                 PT Surya Nuansa Ceria,
             Indo Resources dan                                                                                                            PT Sukses Indonesia, PT Interra
             Baltimore                                                                                                                      Indo Resources and Baltimore
             Investments Ltd.                                                                                                                            Investments Ltd.
              - Perusahaan
                 berkembang 1           < 20%       Level 3              88.283            < 20%           Level 3            136.407                Growth company 1 -
              - Perusahaan
                 berkembang 2           > 50%       Level 3             617.604           20 - 50%         Level 3            250.321                Growth company 2 -
              - Perusahaan
                 berkembang 3           > 50%       Level 3             154.607            > 50%           Level 3            149.226                Growth company 3 -
              - Perusahaan
                 berkembang 4         20 - 50%      Level 3             109.212           20 - 50%         Level 2             87.090                Growth company 4 -
              - Perusahaan
                 berkembang 5         20 - 50%      Level 3              18.412           20 - 50%         Level 3             19.640                Growth company 5 -
              - Perusahaan
                 berkembang 6         20 - 50%      Level 2                      -        20 - 50%         Level 2                192                Growth company 6 -
              - Perusahaan
                 berkembang 7         20 - 50%      Level 3                      -        20 - 50%         Level 3              9.286                Growth company 7 -
              - Perusahaan
                 berkembang 8               -          -                         -         > 50%           Level 3            314.620                Growth company 8 -
              - Perusahaan
                 berkembang 9           < 20%       Level 3             135.290            < 20%           Level 3            105.432                Growth company 9 -
              - Perusahaan
                 berkembang 10          < 20%       Level 3              26.209            < 20%         Biaya/Cost            26.745               Growth company 10 -
              - Perusahaan
                 berkembang 11          < 20%       Level 3                  22            < 20%         Biaya/Cost                22               Growth company 11 -
              - Perusahaan
                 berkembang 12          < 20%     Biaya/Cost            318.975              -                -                        -            Growth company 12 -
              - Perusahaan
                 berkembang
                 lainnya                < 5%        Level 3              56.037             < 5%         Biaya/Cost            56.037           Other growth company -
              - Perusahaan
                 berkembang
                 lainnya                < 5%      Biaya/Cost             17.669              -                -                        -        Other growth company -

       Jumlah investasi di                                                                                                                              Total investments in
         perusahaan berkembang                                       5.966.591                     m.
                                                                                                                            5.989.156          growth focused companies
Page 125
                                                                          Ekshibit E/19                                                                                  Exhibit E/19

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                                                   PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                                                      AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                                                        NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                                              YEARS ENDED 31 DECEMBER 2023 AND 2022
                      (LANJUTAN)                                                                                           (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                                           (Expressed in millions of Rupiah, unless otherwise stated)
5.   INVESTASI PADA SAHAM (lanjutan)                                                            5.        INVESTMENTS IN SHARES (continued)

                                             31 Desember/December 2023                                     31 Desember/December 2022
                                                            Teknik                                                      Teknik
                                                           penilaian                                                   penilaian
                                                          nilai wajar                                                 nilai wajar
                                                         (Catatan 2e)/                                               (Catatan 2e)/
                                      Persentase          Fair value                                 Persentase       Fair value
                                     kepemilikan/          valuation                                kepemilikan/       valuation
                                     Percentage of        techniques           Nilai wajar/         Percentage of     techniques          Nilai wajar/
               Investasi               ownership           (Note 2e)           Fair value             ownership        (Note 2e)          Fair value                   Investments
                                                                                    Rp                                                         Rp


     INVESTASI DI
        PERUSAHAAN BERBASIS                                                                                                                                       INVESTMENTS IN DIGITAL
        TEKNOLOGI DIGITAL                                                                                                                                       TECHNOLOGY COMPANIES

     Perusahaan publik:                                                                                                                                                        Listed entity:

        Kepemilikan tidak                                                                                                                                                Indirect ownership
          langsung melalui                                                                                                                                                       through
          entitas anak:                                                                                                                                                       subsidiary:
          Baltimore Investments                                                                                                                                   Baltimore Investments
          Ltd.                                                                                                                                                                       Ltd.
           - Perusahaan                                                                                                                                               Digital technology
             teknologi digital 1             < 5%               Level 1                 47.790             < 5%           Level 1                 112.319                   company 1 -

     Perusahaan nonpublik:                                                                                                                                               Non-listed entities:

        Kepemilikan tidak                                                                                                                                                Indirect ownership
          langsung melalui                                                                                                                                                       through
          entitas anak:                                                                                                                                                     subsidiaries:
          PT Surya Nuansa
          Ceria, PT Sukses                                                                                                                                       PT Surya Nuansa Ceria,
          Indonesia dan                                                                                                                                         PT Sukses Indonesia and
          Baltimore Investments                                                                                                                                   Baltimore Investments
          Ltd.                                                                                                                                                                      Ltd.
           - Perusahaan                                                                                                                                               Digital technology
             teknologi digital 2             < 20%              Level 3                224.874            < 20%           Level 3                 229.469                   company 2 -
           - Perusahaan                                                                                                                                               Digital technology
             teknologi digital 3               -                      -                         -          < 5%         Biaya/Cost                   6.292                  company 3 -
           - Perusahaan
             teknologi digital                                                                                                                                  Other digital technology
             lainnya                         < 5%               Level 3                184.801             < 5%           Level 3                 177.213                   companies -

        Jumlah investasi di                                                                                                                                          Total investments in
           perusahaan berbasis                                                                                                                                       digital technology
           teknologi digital                                                          457.465                                                    525.293                     companies

     INVESTASI LAIN-LAIN                                                                                                                                            INVESTMENT IN OTHERS

     Perusahaan publik:                                                                                                                                                       Listed entities:

       SIHAYO GOLD PLC.,                                                                                                                                              SIHAYO GOLD PLC.,
         AUSTRALIA                                                                                                                                                           AUSTRALIA
         Kepemilikan langsung                5,60%             Level 1                  10.841           11,21%            Level 1                   7.238              Direct ownership

       INTERRA RESOURCES LTD.,                                                                                                                                 INTERRA RESOURCES LTD.,
         SINGAPURA                                                                                                                                                          SINGAPORE
         Kepemilikan langsung                  -                  -                             -        10,89%            Level 1                  28.288             Direct ownership

       SEROJA INVESTMENT                                                                                                                                            SEROJA INVESTMENT
         LIMITED, SINGAPURA                                                                                                                                        LIMITED, SINGAPORE
         Kepemilikan langsung               23,26%             Level 3*                  2.144           23,26%            Level 3*                  3.677             Direct ownership

        Perusahaan nonpublik:                                                                                                                                         Non-listed entities:

        Kepemilikan tidak langsung                                                                                                                             Indirect ownership through
         melalui entitas anak:                                                                                                                                            subsidiaries:
             PT Wahana Anugerah
             Sejahtera dan                                                                                                                                        PT Wahana Anugerah
             PT Saratoga Sentra                                                                                                                              Sejahtera and PT Saratoga
             Business                                                                                                                                                   Sentra Business
           - Lainnya 1                     20 – 50%            Level 2                        199       20 - 50%           Level 2                       211                  Other 1 -
           - Lainnya                         < 5%              Level 3                        431         < 5%             Level 3                       431                  Others -

                                                                                                                                                                      Total investments in
        Jumlah investasi lain-lain                                                     13.615                                                      39.845                         others

     JUMLAH INVESTASI PADA                                                                                                                                            TOTAL INVESTMENTS
      SAHAM                                                                        46.680.205                                                 57.787.584                      IN SHARES

     * Saham Seroja tidak lagi aktif diperdagangkan dan pada bulan Oktober 2021, Seroja                   n. * Seroja’s shares are no longer actively traded and in October 2021, Seroja
       mengembalikan modal kepada para pemegang sahamnya termasuk Perusahaan                                   distributed the capital back to its shareholders including the Company such that
       sedemikian rupa sehingga aset neto yang tersisa hanyalah berupa instrumen keuangan.                     the remaining net assets are financial instruments. Therefore, the Company
       Sehingga Perusahaan menilai bahwa nilai aset neto Seroja saat ini mencerminkan nilai                    assesses that Seroja’s net asset value at present approximate its fair value.
       wajarnya.
Page 126
                                                            Ekshibit E/20                                                                              Exhibit E/20

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                                  PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                                     AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                                       NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                             YEARS ENDED 31 DECEMBER 2023 AND 2022
                      (LANJUTAN)                                                                          (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                          (Expressed in millions of Rupiah, unless otherwise stated)
5.   INVESTASI PADA SAHAM (lanjutan)                                               5.    INVESTMENTS IN SHARES (continued)
     Ringkasan perubahan nilai wajar selama periode berjalan                              A
                                                                                          o.summary of changes in fair values during the period
     adalah sebagai berikut:                                                              was as follows:
                                                           31 Desember/December 2023
                                                                  Perubahan nilai
                                         Saldo awal/                  wajar/                                            Saldo akhir/
                                          Beginning Penambahan/      Changes      Pelepasan/                               Ending
                                           balance    Additions    in fair value  Divestments                             balance

     Blue Chip                            51.233.290              2.339.118       (13.308.345)           (21.529)             40.242.534                    Blue Chip
     Perusahaan berkembang                 5.989.156                881.362          (204.582)          (699.345)              5.966.591             Growth focused
     Teknologi digital                       525.293                      -           (67.828)                  -                457.465           Digital technology
     Lain-lain                                39.845                      -             5.981)           (32.211)                 13.615                       Others
                                          57.787.584              3.220.480       (13.574.774)          (753.085)             46.680.205

                                                           31 Desember/December 2022
                                                                  Perubahan nilai
                                         Saldo awal/                  wajar/                                            Saldo akhir/
                                          Beginning Penambahan/      Changes      Pelepasan/                               Ending
                                           balance    Additions    in fair value  Divestments                             balance

     Blue Chip                            50.102.138          17.424.532           4.914.916)      (21.208.296)               51.233.290                    Blue Chip
     Perusahaan berkembang                 7.346.253             481.287            (471.899)       (1.366.485)                5.989.156             Growth focused
     Teknologi digital                       278.188             207.574              39.531)                 -                  525.293           Digital technology
     Lain-lain                               158.679              13.136             (48.000)          (83.970)                   39.845                       Others
                                          57.885.258          18.126.529           4.434.548)      (22.658.751)               57.787.584


6.   INVESTASI PADA EFEK LAINNYA                                                  6.    INVESTMENTS IN OTHER SECURITIES

     Pada tanggal 31 Desember 2023, investasi pada efek                                 As of 31 December 2023, investments in other securities
     lainnya terdiri dari investasi dalam dana dengan nilai                             consist of investments in funds amounting to
     Rp1.970.277 (31 Desember 2022: Rp1.343.143), uang                                  Rp1,970,277 (31 December 2022: Rp1,343,143), advances
     muka investasi sejumlah Rp357.663 (31 Desember 2022:                               for investments amounting to Rp357,663 (31 December
     Rp141.018) dan investasi dalam efek ekuitas dengan nilai                           2022: Rp141,018) and investment in equity securities
     Rp nil (31 Desember 2022: Rp2.246.180).                                            amounting to Rp nil (31 December 2022: Rp2,246,180).
     Investasi dalam efek ekuitas merupakan efek ekuitas                                Investment in equity securities represent equity
     alihan dengan hak membeli kembali, di mana                                         securities transferred with repurchase right, which the
     Perusahaan berhak untuk menerima manfaat maupun                                    Company have the right to receive the economic benefit
     kerugian ekonomi dari aset yang direferensikan.                                    or obligation from the reference asset.


7.   INSTRUMEN KEUANGAN DERIVATIF                                                 7.    DERIVATIVE FINANCIAL INSTRUMENTS
     Kontrak interest rate swap                                                         Interest rate swap contracts

     Perusahaan masuk dalam kontrak interest rate swap                                  The Company entered into the following interest rate
     berikut dengan tujuan lindung nilai risiko fluktuasi arus                          swap contracts to hedge the risks of fluctuations in cash
     kas yang ditimbulkan oleh perubahan tingkat suku bunga                             flows arising from changes in interest rates on the
     atas pinjaman yang diterima dalam mata uang asing                                  borrowings denominated in foreign currencies which bear
     dengan tingkat suku bunga mengambang:                                              floating interest rates:
                                                                                                  Nilai wajar pada/
                                                                                                   Fair value as of
                                                                        Tingkat suku
                                                                       bunga tetap/                                                  Tanggal           Tanggal jatuh
                         Tipe kontrak/          Nilai nosional/        Fixed interest    31 Desember/        31 Desember/            efektif/            tempo/
                         Contract type         Notional amount              rate         December 2023       December 2022        Effective date       Maturity date

       DBS Bank Ltd.,    Mengambang      USD       25.000.000             3,09%               -                       5.473        15 Oktober/         15 September
       Singapura/         jadi tetap/                                                                                              October 2018            2023
       Singapore          Floating to
                           fixed rate

       MUFG Bank         Mengambang      USD       25.000.000             2,89%               -                       1.880        12 September         29 Maret/
       Ltd.,              jadi tetap/                                                                                                  2018             March 2023
       cabang Jakarta/    Floating to
        Jakarta branch     fixed rate
                                                                                              -                       7.353
Page 127
                                              Ekshibit E/21                                                      Exhibit E/21

         PT SARATOGA INVESTAMA SEDAYA Tbk.                               PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                  AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                    NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                          YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                      (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)       (Expressed in millions of Rupiah, unless otherwise stated)

8.   PERPAJAKAN                                                 8.    TAXATION

     a. Pajak dibayar di muka                                         a.    Prepaid taxes
                                           31 Desember/              31 Desember/
                                           December 2023             December 2022

        Perusahaan                                                                                               The Company
           Pajak Pertambahan Nilai                    2.442                       1.855                   Value Added Tax

        Entitas anak                                                                                              Subsidiaries
            Pajak Pertambahan Nilai                      59                          107                  Value Added Tax
            Lainnya                                     240                           68                           Others
                                                        299                          175

                                                      2.741                       2.030

     b. Utang pajak penghasilan                                       b.    Income tax payable


                                           31 Desember/              31 Desember/
                                           December 2023             December 2022
        Perusahaan                                                                                              The Company
         Pajak penghasilan badan                                                                     Corporate income tax
            Kini                                      1.623                          350                         Current
            Cicilan pajak penghasilan                                                            Income tax installment –
                pasal 25                                 21                             -                   article 25
                                                      1.644                          350


        Entitas anak                                                                                             Subsidiaries
         Pajak penghasilan badan                                                                     Corporate income tax
            Kini                                            -                    13.755                         Current

                                                      1.644                      14.105

     c. Utang pajak lainnya                                           c.   Other tax payables

                                           31 Desember/              31 Desember/
                                           Desember 2023             December 2022

        Perusahaan                                                                                              The Company
          Pajak penghasilan:                                                                                   Income tax:
            Pasal 4(2)                                    1                        534                       Article 4(2)
            Pasal 21                                  1.056                      1.045                        Article 21
            Pasal 23                                    359                      1.617                        Article 23
                                                      1.416                      3.196

        Entitas anak                                                                                             Subsidiaries
          Pajak penghasilan:                                                                                   Income tax:
             Pasal 23                                       7                          2                      Article 23

                                                      1.423                      3.198
Page 128
                                                Ekshibit E/22                                                    Exhibit E/22

         PT SARATOGA INVESTAMA SEDAYA Tbk.                               PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                  AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                    NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                          YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                      (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)       (Expressed in millions of Rupiah, unless otherwise stated)

8.   PERPAJAKAN (lanjutan)                                      8.    TAXATION (continued)

     d. Perhitungan pajak kini                                        d. Calculation of current tax

        Rekonsiliasi antara laba (rugi) konsolidasian                     A reconciliation between consolidated profit (loss)
        sebelum pajak penghasilan dengan beban pajak                      before income tax and income tax expense is as
        penghasilan adalah sebagai berikut:                               follows:

                                                31 Desember/           31 Desember/
                                                December 2023          December 2022

        (Rugi) laba konsolidasian sebelum                                                     Consolidated (loss) profit before
          pajak penghasilan                           (11.309.265 )            5.858.672                          income tax
        Dikurangi:                                                                                                        Less:
        Rugi sebelum                                                                                   Loss before income tax
          pajak penghasilan entitas anak                   23.863              4.793.899                      of subsidiaries

        Eliminasi dan penyesuaian lainnya ke                                                Elimination and other adjustments
           metode biaya                               13.999.266              (5.026.773)                    to cost method
        Laba sebelum pajak                                                                            Profit before income tax
          penghasilan Perusahaan                        2.713.864              5.625.798                     of the Company

        Koreksi fiskal:                                                                                    Fiscal corrections:
          Penghasilan dan dividen yang                                                      Income and dividend subject to
             dikenakan pajak final                     (2.979.037)            (6.374.057)                     final tax
          Kerugian atas penjualan aset
             investasi     dan      instrumen                                                   Loss on sale of investment
             derivatif                                      3.430                230.072   and derivative instruments
          Beban bunga                                      90.888                175.051                 Interest expenses
          Beban kompensasi karyawan                       141.584                140.089 Employees’ compensation expenses
          (Laba) rugi atas selisih kurs                   (23.747)               153.180   (Gain) loss on foreign exchange
          Beban imbalan jasa tenaga ahli                   16.529                  6.764                  Professional fees
          Imbalan pascakerja                                5.384                   (763)        Post-employment benefit
          Lainnya                                          43.836                 47.279                             Other
        Laba kena pajak Perusahaan                         12.731                  3.413        The Company’s taxable profit
        Tarif pajak yang berlaku                              22%                    22%                   Enacted tax rate

        Beban pajak penghasilan kini                                                              Current income tax expense
           Perusahaan                                       2.801                    751                     The Company
           Entitas anak                                         -                 13.755                      Subsidiaries
        Beban pajak penghasilan kini                        2.801                 14.506          Current income tax expense

        Dikurangi: kredit pajak penghasilan                                                            Less: income tax credit
           Perusahaan                                       (1.178)                 (401)                     The Company
           Entitas anak                                          -                     -                        Subsidiaries
        Jumlah kredit pajak penghasilan                     (1.178)                 (401)              Total income tax credit

         Taksiran utang pajak                                                                 Estimated income taxes payable
            Perusahaan                                      1.623                    350                     The Company
            Entitas anak                                        -                 13.755                      Subsidiaries
                                                                                                  Total estimated income tax
        Jumlah taksiran utang pajak                         1.623                 14.105                          payable


        Perusahaan menerapkan metode perhitungan pajak                    The Company applied a proportionate income tax
        penghasilan secara proporsional berdasarkan                       calculation method based on final and non-final
        penghasilan final dan non-final untuk menghitung                  income to calculate the deductible expenses.
        beban yang dapat dikurangkan.
Page 129
                                                       Ekshibit E/23                                                                       Exhibit E/23

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                               PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                                  AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                                    NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                          YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                                      (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                       (Expressed in millions of Rupiah, unless otherwise stated)

8.   PERPAJAKAN (lanjutan)                                                  8.      TAXATION (continued)
     e.    Aset dan liabilitas pajak tangguhan                                       e. Deferred tax assets and liabilities
                                                                                   Diakui dalam
                                                                                    penghasilan
                                                                    Diakui         komprehensif
                                                                    dalam              lain/
                                                     Saldo        laba rugi/       Recognized in         Saldo
                                                     awal/       Recognized            other             akhir/
                                                   Beginning     in profit or     comprehensive         Ending
          31 Desember 2023                          balance          loss             income            balance                         31 December 2023

          Aset (liabilitas) pajak tangguhan                                                                            Deferred tax assets (liabilities) of
             Perusahaan:                                                                                                                  the Company:
             Liabilitas imbalan kerja                   5.955          1.185                 (210)         6.930           Employee benefits liabilities
             Investasi pada saham dan efek ekuitas                                                                      Investments in shares and other
                lainnya                            (2.290.750)     1.150.380                    -      (1.140.370)                  equity securities
                                                   (2.284.795)     1.151.565                 (210)     (1.133.440)
          Liabilitas pajak tangguhan                                                                                      Deferred tax liabilities of the
             entitas anak, neto                       (64.129)         9.160                       -      (54.969)                  subsidiaries, net

          Liabilitas pajak tangguhan, neto         (2.348.924)                                         (1.188.409)           Deferred tax liabilities, net

          31 Desember 2022                                                                                                              31 December 2022

          Aset (liabilitas) pajak tangguhan                                                                            Deferred tax assets (liabilities) of
             Perusahaan:                                                                                                                  the Company:
             Liabilitas imbalan kerja                   6.037            (168)                86           5.955           Employee benefits liabilities
             Investasi pada saham dan efek ekuitas                                                                      Investments in shares and other
                lainnya                            (1.014.013)    (1.276.737)                  -       (2.290.750)                  equity securities
                                                   (1.007.976)    (1.276.905)                 86       (2.284.795)
          Liabilitas pajak tangguhan                                                                                      Deferred tax liabilities of the
             entitas anak, neto                      (123.091)        58.962                       -      (64.129)                  subsidiaries, net

          Liabilitas pajak tangguhan, neto         (1.131.067)                                         (2.348.924)           Deferred tax liabilities, net


          Berikut aset pajak tangguhan yang                                                                       The following deferred tax assets
               belum diakui:                                                                                          have not been recognized:
                                                       31 Desember/ 31 Desember/
                                                       December 2023 December 2022
                                                                                                                      Provision for impairment of
          Provisi atas penurunan nilai piutang                      23.091                 23.099                                 receivables
          Kerugian yang belum direalisasi atas                                                                Unrealized losses on investments in
              investasi pada saham dan efek                                                                          shares and other equity
               ekuitas lainnya                                    252.281                249.604                                    securities
          Rugi fiskal                                               9.911                 60.303                          Tax loss carry forwards
                                                                  285.283                333.006
          Perbedaan temporer yang menimbulkan aset pajak                                 The temporary differences that give rise to the
          tangguhan untuk kerugian yang belum direalisasi                                deferred tax asset for the unrealized losses on
          atas investasi pada saham dan efek ekuitas lainnya                             investment in shares and other equity securities do
          tidak akan kadaluwarsa, oleh karena itu Perusahaan                             not expire, accordingly the Company does not
          tidak mengakui aset pajak tangguhan atas hal ini.                              recognize the deferred tax assets with respect to
                                                                                         this matter.
          Perbedaan temporer yang menimbulkan aset pajak                                 The temporary differences that give rise to the
          tangguhan untuk penyisihan penurunan nilai piutang                             deferred tax asset for the provision for impairment
          juga tidak akan kadaluwarsa, namun sebelum                                     of receivables also do not expire, however before
          cadangan tersebut dapat dibebankan, Perusahaan                                 such provision can be deductible the Company must
          harus memberikan bukti bahwa piutang tidak                                     provide evidence that the receivables are not
          tertagih, dan dengan demikian harus menghapus                                  collectible, and thereby must write-off the
          nilai piutang yang tidak tertagih.                                             uncollectible balances.
          Rugi fiskal, yang sebagian besar berasal dari anak                             Tax loss carry forwards, which mainly derived from
          Perusahaan pada tanggal 31 Desember 2023 dan                                   subsidiaries as of 31 December 2023 and 2022
          2022 masing-masing sebesar Rp45.050 dan                                        amounted      to    Rp45,050     and     Rp274,103,
          Rp274.103, akan berakhir di tahun 2025 dan 2026                                respectively, will expire in 2025 and 2026 if not
          jika tidak dimanfaatkan dengan laba fiskal pada                                utilized against future taxable profits.
          masa mendatang.
Page 130
                                                Ekshibit E/24                                                      Exhibit E/24

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                 PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                    AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                      NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                            YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                        (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)         (Expressed in millions of Rupiah, unless otherwise stated)

8.   PERPAJAKAN (lanjutan)                                        8.   TAXATION (continued)

     e. Aset dan liabilitas pajak tangguhan (lanjutan)                  e. Deferred tax assets and liabilities (continued)

        Aset pajak tangguhan tidak diakui sehubungan                       Deferred tax assets have not been recognized with
        dengan hal-hal diatas karena tidak memungkinkan                    respect to the above items because it is not
        akan tersedia laba fiskal yang memadai pada masa                   probable that future taxable profits will be
        mendatang yang bisa dimanfaatkan Grup untuk                        available against which the Group can utilize the
        keuntungannya.                                                     benefits therefrom.

     f. Beban pajak penghasilan                                         f. Income tax expense
        Rekonsiliasi antara beban pajak penghasilan, yang                  The reconciliation between income tax expense as
        dihitung dengan menggunakan tarif pajak yang                       calculated by applying the applicable tax rate to
        berlaku atas laba (rugi) komersial sebelum pajak                   the commercial profit (loss) before income tax and
        penghasilan dan beban pajak penghasilan, seperti                   the income tax expense as presented in the
        yang tercantum dalam laporan laba rugi                             consolidated statement of profit or loss is as
        konsolidasian adalah sebagai berikut:                              follows:
                                               31 Desember/            31 Desember/
                                               December 2023           December 2022

         (Rugi) laba konsolidasian sebelum                                                      Consolidated (loss) profit before
           pajak penghasilan                         (11.309.265)            5.858.672                              income tax

         Dikurangi:                                                                                                        Less:
         Rugi sebelum pajak penghasilan                                                               Loss before income tax of
           entitas anak                                     23.863           4.793.899                           subsidiaries
         Eliminasi dan penyesuaian ke                                                       Eliminations and other adjustments
           metode biaya                              13.999.266              (5.026.773)                       to cost method

         Laba sebelum pajak                                                                          Profit before income tax of
           penghasilan Perusahaan                        2.713.864           5.625.798                           the Company
         Tarif pajak yang berlaku                              22%                 22%                        Statutory tax rate

         Beban pajak penghasilan                           597.050           1.237.675                      Income tax expense
         Pengaruh pajak                                                                                     Tax effect on fiscal
           atas koreksi fiskal                            (595.434)          (1.236.756)                          corrections
         Pengaruh pajak atas (kerugian)                                                             Tax effect on (loss) gain on
           keuntungan investasi pada saham                                                    investments in shares and other
           dan efek ekuitas lainnya                      (1.150.380)         1.276.737                   equity securities

         (Manfaat) beban pajak penghasilan:                                                       Income tax (benefit) expense:
           Perusahaan                                    (1.148.764)         1.277.656                          The Company
           Entitas anak                                      (9.160)           (45.207)                          Subsidiaries

         (Manfaat) beban pajak penghasilan               (1.157.924)         1.232.449             Income tax (benefit) expense

        Komponen (manfaat) beban pajak penghasilan                         The components of income tax (benefit) expense
        adalah sebagai berikut:                                            are as follows:

                                               31 Desember/            31 Desember/
                                               December 2023           December 2022
         Kini:                                                                                                          Current:
           Perusahaan                                         2.801                  751                         The Company
           Entitas anak                                           -               13.755                          Subsidiaries
                                                              2.801               14.506

         Tangguhan:                                                                                                   Deferred:
           Perusahaan                                    (1.151.565)           1.276.905                         The Company
           Entitas anak                                      (9.160)             (58.962)                         Subsidiaries
                                                         (1.160.725)           1.217.943

                                                         (1.157.924)           1.232.449
Page 131
                                                    Ekshibit E/25                                                        Exhibit E/25

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                      PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                         AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                           NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                 YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                             (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)              (Expressed in millions of Rupiah, unless otherwise stated)
8.   PERPAJAKAN (lanjutan)                                             8.      TAXATION (continued)
     f. Beban pajak penghasilan (lanjutan)                                     f.   Income tax expense (continued)
         Sesuai peraturan perpajakan di Indonesia,                                  Under the taxation laws of Indonesia, the Company
         Perseroan    melaporkan/menyetorkan       pajak-                           submits tax returns on the basis of self-
         pajaknya berdasarkan sistem self-assessment.                               assessment. The tax authorities may assess or
         Fiskus dapat menetapkan atau mengubah pajak-                               amend taxes within the statute of limitations,
         pajak tersebut sebelum waktu kadaluwarsa sesuai                            under prevailing regulations.
         dengan peraturan perpajakan yang berlaku.
         Posisi   pajak    Perseroan    mungkin      dapat                          The Company’s tax positions may be challenged by
         dipertanyakan otoritas pajak. Posisi pajak                                 the tax authorities. The Company’s tax positions
         Perseroan dibuat berdasarkan dasar teknis, sesuai                          are formed on sound technical bases, in
         dengan peraturan perpajakan. Oleh karena itu,                              compliance with the tax regulations. Accordingly,
         manajemen berkeyakinan bahwa tidak ada akrual                              management believes that no additional accruals
         tambahan     untuk    potensi   liabilitas  pajak                          for potential income tax liabilities is necessary.
         penghasilan yang diperlukan. Penelaahan tersebut                           The assessment relies on estimates and
         didasarkan atas estimasi dan asumsi dan                                    assumptions and may involve judgment about
         melibatkan pertimbangan akan kejadian di masa                              future events. New information may become
         depan. Informasi baru mungkin dapat tersedia yang                          available that causes management to change its
         menyebabkan          manajemen           mengubah                          judgement. Such changes will impact tax expense
         pertimbangannya. Perubahan tersebut akan                                   in the period in which such determination is made.
         mempengaruhi beban pajak di periode dimana
         penentuan tersebut dibuat.


9.   PINJAMAN                                                          9.     BORROWINGS
                                                  31 Desember/               31 Desember/
                                                  December 2023              December 2022
     Pinjaman bank                                        930.400                  1.551.170                              Bank loans

     Akrual beban bunga                                        4.140                      4.432                      Accrued interest
     Dikurangi: biaya transaksi yang belum                                                                         Less: unamortized
         diamortisasi                                        (8.434)                  (11.378)                    transaction costs
                                                            926.106                 1.544.224

                                                  31 Desember/                  31 Desember/
                                                  December 2023                 December 2022
                                             Dalam ribuan                   Dalam ribuan
                                               Dolar AS/    Setara Rp/        Dolar AS/  Setara Rp/
                                             In thousands   Equivalent      In thousands Equivalent
                                             of US Dollar       Rp          of US Dollar     Rp
     Pinjaman bank:                                                                                                        Bank loans:
     Rupiah                                                                                                                    Rupiah
        PT Bank Permata Tbk.                            -     300.000                 -      450.000         PT Bank Permata Tbk.
        Standard Chartered Bank                         -     130.000                 -            -      Standard Chartered Bank
        PT Bank DBS Indonesia                           -     115.000                 -            -         PT Bank DBS Indonesia
     Dolar AS                                                                                                                US Dollar
       ING Bank N.V.                              25.000      385.400           40.000       629.240                  ING Bank N.V.
       Natixis, cabang Singapura                       -            -           20.000       314.620      Natixis, Singapore branch
       PT Bank HSBC Indonesia                          -            -           10.000       157.310       PT Bank HSBC Indonesia
                                                  25.000      930.400           70.000     1.551.170
     Biaya transaksi yang belum                                                                              Unamortized transaction
        diamortisasi                                            (8.434)                      (11.378)                      costs
     Akrual beban bunga                                          4.140                         4.432               Accrued interest
                                                              926.106                     1.544.224
Page 132
                                                   Ekshibit E/26                                                            Exhibit E/26

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                    PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                       AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                         NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                               YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                          (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)            (Expressed in millions of Rupiah, unless otherwise stated)
9.   PINJAMAN (lanjutan)                                             9.    BORROWINGS (continued)
     Ikhtisar perjanjian pinjaman bank:                                    Summary of bank loans’ agreement:
                                     Tanggal         Batas maksimum
        Entitas/                   perjanjian/            kredit/             Jangka waktu fasilitas/
                        Bank                                                                                    Deskripsi/Description
         Entity                    Agreement          Maximum credit           Duration of facilities
                                      date                  limit
      Perusahaan/   PT Bank       11 September        USD20.000.000        Fasilitas ini tersedia selama    Fasilitas revolving pinjaman
      The Company   HSBC              2014           dan dapat ditarik     satu tahun sejak tanggal         jangka pendek/Revolving
                    Indonesia                       dalam Rupiah/ and      perjanjian ditandatangani dan    short term loan facility
                                                     can be drawdown       akan diperpanjang untuk
                                                         in Rupiah         periode setiap 12 bulan dan
                                                                                                            Tujuan dari pinjaman ini
                                                                           akan terus berlaku hingga Bank
                                                                                                            adalah untuk pendanaan/ The
                                                                           secara tertulis membatalkan,
                                                                                                            purpose of this borrowing is
                                                                           menghentikan, atau
                                                                                                            for financing.
                                                                           membebaskan Debitur dari
                                                                           kewajibannya sesuai dengan
                                                                           perjanjian, jangka waktu         Pada tanggal 31 Desember
                                                                           untuk setiap penarikan           2023, fasilitas ini masih
                                                                           pinjaman adalah 1, 3 dan         tersedia dan tidak terdapat
                                                                           6 bulan sejak pencairan/The      nilai yang terutang pada
                                                                           facility is available for one    tanggal 31 Desember 2023
                                                                           year from the date of the        dan 2022/As of 31 December
                                                                           agreement signed and shall be    2023, this facility is still
                                                                           extended for every 12 months     available and there was no
                                                                           period and shall continue to     outstanding balance as of 31
                                                                           be applicable until the Bank     December 2023 and 2022.
                                                                           cancel, cease, or discharge in
                                                                           writing the Borrower from its
                                                                           obligations under the
                                                                           agreement, with maximum
                                                                           period for each loan of 1, 3
                                                                           and 6 months from
                                                                           disbursement.

      Perusahaan/   PT Bank DBS    16 Oktober/           Rp370.000         1 tahun sejak tanggal            Fasilitas revolving pinjaman
                    Indonesia                             dan/and          perjanjian/1 year from the       jangka pendek/Revolving
      The Company                 October 2017                             date of the agreement.           short term loan facility
                                  (yang terakhir       USD35.000.000
                                    diubah per            (Sebesar                                          Tujuan dari pinjaman ini
                                                                           Pinjaman ini akan berakhir
                                      tanggal          USD25.000.000                                        adalah untuk pendanaan/The
                                                                           pada tanggal 30 September
                                    13 Oktober        dari fasilitas ini                                    purpose of this borrowing is
                                                                           2024/This facility will be
                                   2023/which        bergantung pada                                        for financing.
                                                                           ended on 30 September 2024.
                                  last amended        jumlah deposito
                                  on 13 October       yang tersedia di                                      Nilai pinjaman yang terutang
                                       2023)         entitas anak pada                                      pada tanggal 31 Desember
                                                       saat pencairan                                       2023 dan 2022 adalah masing-
                                                         pinjaman/                                          masing sebesar Rp115.000
                                                        Amounting of                                        dan Rp nil /The outstanding
                                                       USD25,000,000                                        borrowing as of 31 December
                                                     from this facility                                     2023 and 2022 were
                                                      depends on the                                        Rp115,000 and Rp nil,
                                                         amount of                                          respectively.
                                                    deposits available
                                                     in the subsidiary
                                                    upon disbursement
                                                        of the Loan).
Page 133
                                                   Ekshibit E/27                                                          Exhibit E/27

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                   PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                      AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                        NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR31 DESEMBER 2023 DAN 2022                               YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                         (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)           (Expressed in millions of Rupiah, unless otherwise stated)

9.   PINJAMAN (lanjutan)                                            9.   BORROWINGS (continued)
     Ikhtisar perjanjian pinjaman bank: (lanjutan)                       Summary of bank loans’ agreement: (continued)
                                      Tanggal        Batas maksimum
        Entitas/                    perjanjian/          kredit/             Jangka waktu fasilitas/
                        Bank                                                                                    Deskripsi/Description
         Entity                     Agreement        Maximum credit           Duration of facilities
                                       date                limit
      Perusahaan/   PT Bank HSBC   26 April 2018    USD50.000.000        5 tahun sejak tanggal pencairan    Fasilitas pinjaman
      The Company   Indonesia                                            pertama dari fasilitas/5 years     berjangka/Term loan facility
                                                                         from the first utilisation date.
                                                                                                            Tujuan dari pinjaman ini
                                                                                                            adalah untuk pendanaan
                                                                                                            umum/The purpose of this
                                                                                                            borrowing is for general
                                                                                                            financing.
                                                                                                            Fasilitas ini sudah dilunasi
                                                                                                            seluruhnya oleh Perusahaan
                                                                                                            pada bulan Februari 2023
                                                                                                            sedangkan nilai yang terutang
                                                                                                            pada tanggal 31 Desember
                                                                                                            2022 adalah sebesar
                                                                                                            USD10.000.000 / This facility
                                                                                                            has been fully paid by the
                                                                                                            Company in February 2023,
                                                                                                            meanwhile the outstanding
                                                                                                            borrowing as of 31 December
                                                                                                            2022 was USD10,000,000.

      Perusahaan/   ING Bank         31 Januari/    USD40.000.000        6 tahun sejak tanggal              Fasilitas pinjaman
      The Company   N.V.               January                           perjanjian/                        berjangka/Term loan facility
                                      2020 (yang                         6 years from the date of the
                                       terakhir                          agreement.                         Tujuan dari pinjaman ini
                                      diubah per                                                            adalah untuk pendanaan
                                        tanggal                                                             umum/The purpose of this
                                     1 November                                                             borrowing is for general
                                    2022 / which                                                            financing.
                                    last amended
                                   on 1 November                                                            Fasilitas ini sudah dilunasi
                                         2022)                                                              seluruhnya oleh Perusahaan
                                                                                                            pada bulan Desember 2023
                                                                                                            sedangkan nilai yang terutang
                                                                                                            pada tanggal 31 Desember
                                                                                                            2022 adalah sebesar
                                                                                                            USD40.000.000 / This facility
                                                                                                            has been fully paid by the
                                                                                                            Company in December 2023,
                                                                                                            meanwhile the outstanding
                                                                                                            borrowing as of 31 December
                                                                                                            2022 was USD40,000,000.

      Perusahaan/   Natixis         28 Februari/    USD50.000.000        5 tahun sejak tanggal pencairan    Fasilitas pinjaman
      The Company   cabang            February                           pertama dari fasilitas/5 years     berjangka/Term loan facility
                    Singapura/          2020                             from the first utilisation date.
                    Singapore                                                                               Tujuan dari pinjaman ini
                    branch                                                                                  adalah untuk pendanaan
                                                                                                            umum/The purpose of this
                                                                                                            borrowing is for general
                                                                                                            financing.

                                                                                                            Fasilitas ini sudah dilunasi
                                                                                                            seluruhnya oleh Perusahaan
                                                                                                            pada bulan Februari 2023
                                                                                                            sedangkan nilai yang terutang
                                                                                                            pada tanggal 31 Desember
                                                                                                            2022 adalah sebesar
                                                                                                            USD20.000.000/ This facility
                                                                                                            has been fully paid by the
                                                                                                            Company in February 2023,
                                                                                                            meanwhile the outstanding
                                                                                                            borrowing as of 31 December
                                                                                                            2022 was USD20,000,000.
Page 134
                                                   Ekshibit E/28                                                            Exhibit E/28

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                    PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                       AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                         NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR31 DESEMBER 2023 DAN 2022                                YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                          (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)            (Expressed in millions of Rupiah, unless otherwise stated)
9.   PINJAMAN (lanjutan)                                             9.   BORROWINGS (continued)
     Ikhtisar perjanjian pinjaman bank: (lanjutan)                        Summary of bank loans’ agreement: (continued)

                                       Tanggal        Batas maksimum
         Entitas/                    perjanjian/           kredit/             Jangka waktu fasilitas/
                         Bank                                                                                     Deskripsi/Description
          Entity                     Agreement        Maximum credit            Duration of facilities
                                        date                limit
      Perusahaan/   Standard         26 Maret/         USD10.000.000      Fasilitas ini tersedia selama satu   Fasilitas revolving pinjaman
                    Chartered                         dan dapat ditarik   tahun sejak tanggal perjanjian       jangka pendek/Revolving
      The Company                    March 2020
                    Bank (SCB)                         dalam Rupiah/      ditandatangani dan akan
                                                                          diperpanjang untuk periode           short term loan facility
                                                         and can be
                                                        drawdown in       setiap 12 bulan. Pada akhir
                                                           Rupiah         periode ketersediaan, SCB            Tujuan dari pinjaman ini
                                                                          berdasarkan kebijaksanaannya         adalah untuk pendanaan/
                                                                          sewaktu-waktu berhak
                                                                                                               The purpose of this
                                                                          melanjutkan fasilitas untuk
                                                                          12 bulan berikutnya atau             borrowing is for financing.
                                                                          membatalkannya. Jangka waktu
                                                                          maksimal untuk setiap pinjaman       Nilai pinjaman yang
                                                                          adalah 3 bulan sejak                 terutang pada tanggal
                                                                          pencairan/The facility is            31 Desember 2023 dan 2022
                                                                          available for one year from the
                                                                                                               adalah masing-masing
                                                                          date of the agreement signed
                                                                          and shall be extended for every      sebesar Rp130.000 dan
                                                                          12 months period. At the end of      Rp nil/The outstanding
                                                                          availability period, SCB at its      borrowing as of
                                                                          own discretion has the right to      31 December 2023 and 2022
                                                                          continue the facility for another    were Rp130,000 and
                                                                          12 months or cancel the facility.    Rp nil, respectively.
                                                                          The maximum period for each
                                                                          loan is 3 months from
                                                                          disbursement.

      Perusahaan/   PT Bank         21 Desember/         Rp750.000        5 tahun sejak tanggal                Fasilitas pinjaman
                    Permata Tbk.                                          perjanjian/                          berjangka/Term loan
      The Company                     December
                                                                          5 years from the date of the         facility
                                        2020
                                                                          agreement

                                                                                                               Tujuan dari pinjaman ini
                                                                                                               adalah pembiayaan investasi
                                                                                                               dan/atau pembayaran
                                                                                                               kembali pinjaman/The
                                                                                                               purpose of this borrowing is
                                                                                                               for financing investment
                                                                                                               and/or loan repayments.

                                                                                                               Nilai pinjaman yang
                                                                                                               terutang pada tanggal
                                                                                                               31 Desember 2023 dan 2022
                                                                                                               adalah masing-masing
                                                                                                               sebesar Rp300.000 dan
                                                                                                               Rp450.000 /The outstanding
                                                                                                               borrowing as of
                                                                                                               31 December 2023 and 2022
                                                                                                               were Rp300,000 and
                                                                                                               Rp450,000, respectively.
Page 135
                                                          Ekshibit E/29                                                       Exhibit E/29

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                         PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                            AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                              NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR31 DESEMBER 2023 DAN 2022                                     YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                               (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                 (Expressed in millions of Rupiah, unless otherwise stated)
9.   PINJAMAN (lanjutan)                                                  9.   BORROWINGS (continued)
     Ikhtisar perjanjian pinjaman bank: (lanjutan)                              Summary of bank loans’ agreement: (continued)

                                              Tanggal         Batas maksimum
         Entitas/                           perjanjian/           kredit/           Jangka waktu fasilitas/
                             Bank                                                                                    Deskripsi/Description
          Entity                            Agreement         Maximum credit         Duration of facilities
                                               date                 limit
      Perusahaan/      ING Bank N.V.        19 Januari/        USD40.000.000   5 tahun sejak tanggal             Fasilitas pinjaman
      The Company                             January                          perjanjian/                       berjangka/Term loan facility
                                               2023                            5 years from the date of the
                                                                               agreement.                        Tujuan dari pinjaman ini
                                                                                                                 adalah untuk pendanaan
                                                                                                                 umum/The purpose of this
                                                                                                                 borrowing is for general
                                                                                                                 financing.

                                                                                                                 Nilai pinjaman yang
                                                                                                                 terutang pada tanggal
                                                                                                                 31 Desember 2023 adalah
                                                                                                                 sebesar USD25.000.000.
                                                                                                                 /The outstanding balance as
                                                                                                                 of 31 December 2023 was
                                                                                                                 USD25,000,000.



     Kisaran suku bunga kontraktual atas pinjaman                              The range of contractual interest rates on the
     Perusahaan yang diberikan oleh Bank adalah sebagai                        Company’s borrowings provided by the Banks are as
     berikut:                                                                  follows:
                                                     2023                            2022

     Rupiah                                  JIBOR + 0,20% - 3,35%           JIBOR + 3,35% - 3,75%                                      Rupiah
     Dolar AS                                SOFR, LIBOR + 3,25% -        SOFR, LIBOR + 3,25% - 3,58%                                 US Dollar
                                                     3,58%

     Ringkasan perubahan pinjaman               selama       periode           Summary of changes in borrowings during the period is
     berjalan adalah sebagai berikut:                                          as follows:
                                                     2023                            2022

     Saldo awal                                              1.544.224                       3.935.393)                        Beginning balance
     Penerimaan dari pinjaman bank                           1.117.605                         451.000)                  Receipt from bank loans
     Pembayaran pinjaman bank                               (1.708.330)                     (3.006.535)   )            Repayments of bank loans
     Perubahan saldo akrual beban bunga                           (292)                        (12.760)       Change in accrued interest balance
     Perubahan saldo biaya transaksi yang                                                                 )               Change in unamortized
       belum diamortisasi                                       2.944                           15.247)              transaction costs balance
     Pengaruh perubahan selisih kurs                          (30.045)                         161.879)       Effect of changes in exchange rate
     Saldo akhir                                             926.106                        1.544.224)                           Ending balance

     Persyaratan pinjaman                                                       Covenants

     Grup diwajibkan oleh krediturnya untuk memenuhi                            The Group is required by the lenders to comply with
     persyaratan pinjaman tertentu, seperti batasan rasio                       certain covenants, such as financial ratio covenants and
     keuangan dan persyaratan administrasi tertentu.                            certain administrative requirements.

     Pinjaman terhutang dijamin dengan sebagian saham                           The outstanding loans are secured by pledges of TBIG,
     TBIG, ADRO, MDKA dan/atau MPMX, yang dimiliki                              ADRO, MDKA and/or MPMX shares, owned (directly or
     (secara langsung atau tidak langsung) oleh                                 indirectly) by the Company. The Company is also
     Perusahaan. Perusahaan juga diwajibkan untuk                               required to maintain a certain minimum investment
     mempertahankan nilai pasar investasi minimum                               market value to debt.
     tertentu terhadap pinjaman.
Page 136
                                                Ekshibit E/30                                                   Exhibit E/30

         PT SARATOGA INVESTAMA SEDAYA Tbk.                               PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                  AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                    NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR31 DESEMBER 2023 DAN 2022                           YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                     (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)       (Expressed in millions of Rupiah, unless otherwise stated)
10.   MODAL SAHAM                                               10.   SHARE CAPITAL

      Susunan    pemegang      saham  Perusahaan   dan                The composition of the shareholders of the Company and
      kepemilikannya pada tanggal 31 Desember 2023 dan                their respective ownership interests as of 31 December
      2022 adalah sebagai berikut:                                    2023 and 2022 are as follows:

                                                            2023
                                             Ditempatkan dan disetor penuh/
                                                 Issued and fully paid-up
                                                        Persentase
                                                      kepemilikan/
                                     Saham/            Percentage           Jumlah/
                                      Shares          of ownership          Amount
      PT Unitras Pertama             4.438.610.000               32,72                88.772               PT Unitras Pertama
      Edwin Soeryadjaya              4.734.127.090               34,90                94.683                Edwin Soeryadjaya
      Sandiaga S. Uno                2.917.827.145               21,51                58.357                   Sandiaga S. Uno
      Michael W.P. Soeryadjaya           4.914.300                0,04                    98          Michael W.P. Soeryadjaya
      Devin Wirawan                      6.419.900                0,05                   128                    Devin Wirawan
      Lany Djuwita                       4.901.900                0,04                    98                      Lany Djuwita
      Masyarakat                     1.429.695.665               10,53                28.594                            Public
                                    13.536.496.000               99,79               270.730
      Saham tresuri                     28.339.000                0,21                   567                     Treasury stock
                                    13.564.835.000              100,00               271.297


                                                          2022
                                             Ditempatkan dan disetor penuh/
                                                 Issued and fully paid-up
                                                        Persentase
                                                      kepemilikan/
                                     Saham/            Percentage           Jumlah/
                                      Shares          of ownership          Amount
      PT Unitras Pertama             4.438.610.000               32,72                88.772               PT Unitras Pertama
      Edwin Soeryadjaya              4.502.626.790               33,19                90.053                Edwin Soeryadjaya
      Sandiaga S. Uno                2.917.827.145               21,51                58.357                   Sandiaga S. Uno
      Michael W.P. Soeryadjaya           4.005.800                0,03                    80          Michael W.P. Soeryadjaya
      Devin Wirawan                      4.064.200                0,03                    81                    Devin Wirawan
      Lany Djuwita                       2.393.300                0,02                    48                      Lany Djuwita
      Masyarakat                     1.647.245.065               12,14                32.945                            Public
                                    13.516.772.300               99,64               270.336
      Saham tresuri                     48.062.700                0,36                   961                     Treasury stock
                                    13.564.835.000              100,00               271.297


      Undang-Undang Perseroan Terbatas Republik Indonesia             The Limited Liability Company Law of the Republic of
      mengharuskan pembentukan cadangan umum dari laba                Indonesia requires the establishment of a general
      neto sejumlah minimal 20% dari jumlah modal yang                reserve from net income amounting to at least 20% of
      ditempatkan dan disetor penuh. Cadangan umum ini                the Company’s issued and paid up capital. This general
      disajikan sebagai saldo laba dicadangkan pada laporan           reserve is disclosed as appropriated retained earnings in
      posisi keuangan konsolidasian. Tidak ada batasan waktu          the consolidated statement of financial position. There
      untuk membentuk cadangan tersebut.                              is no time limit on the establishment of the reserve.

      Berdasarkan Rapat Umum Pemegang Saham Tahunan                   Based on the Annual General Shareholders Meetings
      tanggal 15 Mei 2023, pemegang saham menetapkan                  dated 15 May 2023, the shareholders approved the
      cadangan umum sebesar Rp5.000 dari laba tahun 2022.             general reserve amounting to Rp5,000 of the statutory
                                                                      reserve from earnings in 2022.

      Berdasarkan Rapat Umum Pemegang Saham Tahunan                   Based on the Annual General Shareholders Meetings
      tanggal 21 April 2022, pemegang saham menetapkan                dated 21 April 2022, the shareholders approved the
      cadangan umum sebesar Rp5.000 dari laba tahun 2021.             general reserve amounting to Rp5,000 of the statutory
                                                                      reserve from earnings in 2021.
Page 137
                                                 Ekshibit E/31                                                        Exhibit E/31

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                    PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                       AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                         NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR31 DESEMBER 2023 DAN 2022                                YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                          (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)            (Expressed in millions of Rupiah, unless otherwise stated)
10. MODAL SAHAM (lanjutan)                                           10. SHARE CAPITAL (continued)
     Saham Tresuri                                                       Treasury Stock
     Selama tahun 2023 dan 2022, Perusahaan telah                         During 2023 and 2022, the Company bought back
     melakukan pembelian kembali sebanyak 2.923.700 dan                   2,923,700 and 420,000 shares for a total purchase price
     420.000 saham dengan nilai pembelian sebesar Rp5.204                 of Rp5,204 and Rp985, respectively. In addition, during
     dan Rp985. Selain itu, selama periode 2023 dan 2022                  2023 and 2022, the Company also distributed 22,647,400
     Perusahaan juga membagikan sebanyak 22.647.400 dan                   and 19,929,800 shares to its employees with regards to
     19.929.800 saham kepada karyawan Perusahaan                          the implementation of Long Term Incentive Program for
     sehubungan dengan Program Insentif Jangka Panjang                    a total distribution price of Rp14,443 and Rp11,223,
     Perusahaan dengan jumlah nilai distribusi sebesar                    respectively.
     Rp14.443 dan Rp11.223.

     Per tanggal 31 Desember 2023 dan 2022, jumlah saham                  As of 31 Desember 2023 and 2022, the Company’s
     tresuri Perusahaan adalah sebanyak 28.339.000 saham                  treasury shares amounted 28,339,000 shares of Rp18,574
     senilai Rp18.574 dan 48.062.700 saham senilai                        and 48,062,700 shares of Rp27,813.
     Rp27.813.

     Pembagian kepada Pemegang Saham                                     Distribution to Shareholders

     Pada Rapat Umum Pemegang Saham Tahunan tanggal                      At the Annual General Shareholders Meeting on
     15 Mei 2023, Perusahaan mengumumkan pembagian                       15 May 2023, the Company declared a distribution of cash
     dividen tunai senilai Rp1.013.638 (Rp75 (Rupiah penuh)              dividends amounting to Rp1,013,638 (Rp75 (whole Rupiah)
     per saham) yang dibagikan pada tanggal 14 Juni 2023.                per share) which was distributed on 14 June 2023.

     Pada Rapat Umum Pemegang Saham Tahunan tanggal                      At the Annual General Shareholders Meeting on
     21 April 2022, Perusahaan mengumumkan pembagian                     21 April 2022, the Company declared a distribution of cash
     dividen tunai senilai Rp809.836 (Rp60 (Rupiah penuh)                dividends amounting to Rp809,836 (Rp60 (whole Rupiah)
     per saham) yang dibagikan pada tanggal 13 Mei 2022.                 per share) which was distributed on 13 May 2022.


11. TAMBAHAN MODAL DISETOR                                           11. ADDITIONAL PAID-IN CAPITAL


     Setoran modal saham                                            73.729                                   Share capital payments
     Penawaran umum saham perdana                                1.465.004                                     Initial public offering
     Biaya penerbitan saham                                        (69.035)                                      Share issuance costs
     Amnesti pajak                                                  86.519                                               Tax amnesty
                                                                                                 Restructuring transactions between
     Restrukturisasi entitas sepengendali                        3.628.493                        entities under common control

                                                                 5.184.710


12. KEPENTINGAN NONPENGENDALI                                    12. NON-CONTROLLING INTERESTS

     Rincian bagian kepentingan nonpengendali atas                      The detail of non-controlling interests’ share in equity of
     ekuitas entitas anak yang dikonsolidasi adalah sebagai             the consolidated subsidiaries is as follows:
     berikut:

                                                    2023                    2022

     Saldo awal                                               904                  21.047                          Beginning balance
     Setoran modal kepentingan                                                                Capital contribution of non-controlling
      nonpengendali                                        78.059                        -                                  interest
     Pengembalian modal kepada kepentingan                                                       Return of capital to non-controlling
      nonpengendali                                              -                  (7.141)                                 interest
     Pembagian dividen kepada kepentingan                                                           Distribution of dividend to non-
      nonpengendali                                             -                  (12.138)                     controlling interest
     Bagian atas rugi komprehensif                            (39)                    (864)              Share in comprehensive loss
     Komponen ekuitas lainnya                                 677                        -                  Other equity components

                                                           79.601                     904
Page 138
                                                     Ekshibit E/32                                                                            Exhibit E/32

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                           PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                              AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                                NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR31 DESEMBER 2023 DAN 2022                                       YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                                 (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                   (Expressed in millions of Rupiah, unless otherwise stated)
12. KEPENTINGAN NONPENGENDALI (lanjutan)                                    12. NON-CONTROLLING INTERESTS (continued)

                                                                                        Entitas anak lainnya
                                                                                        dengan kepentingan
                                                                                        nonpengendali tidak
                                                                                           material/Other
                                                                                         subsidiaries with
                                                                                          immaterial non-
                                                    WBSM                 Propco         controlling interest       Jumlah/Total

     31 Desember 2023:                                                                                                                         31 December 2023:
     Persentase kepemilikan kepentingan                                                                                                   Non-controlling interest’s
        nonpengendali                                  26,32%                     20%                                                   percentage of ownership

     Aset                                               2.823               393.859                                                                           Assets
     Liabilitas                                             -                  (176 )                                                                     Liabilities
     Aset neto yang diatribusikan kepada pemilik                                                                                          Net assets attributable to
        Perusahaan                                      2.823               393.683                                                      owners of the Company

                                                                                                                                         Net assets attributable to
     Aset neto milik kepentingan nonpengendali             743               78.737                      121                   79.601   non-controlling interest

                                                                              Entitas anak lainnya
                                                                              dengan kepentingan
                                                                              nonpengendali tidak
                                                                                 material/Other
                                                                               subsidiaries with
                                                                                immaterial non-
                                                        WBSM                  controlling interest             Jumlah/Total

     31 Desember 2022:                                                                                                                         31 December 2022:
     Persentase kepemilikan kepentingan                                                                                                   Non-controlling interest’s
        nonpengendali                                        26,32%                                                                     percentage of ownership

     Aset                                                     16.080                                                                                          Assets
     Liabilitas                                              (13.107 )                                                                                    Liabilities
     Aset neto yang diatribusikan kepada pemilik                                                                                          Net assets attributable to
        Perusahaan                                               2.973                                                                   owners of the Company

                                                                                                                                         Net assets attributable to
     Aset neto milik kepentingan nonpengendali                    782                              122                    904           non-controlling interest



13. PENGHASILAN                                                             13. INCOME
     a.   (Kerugian) keuntungan neto atas investasi pada                           a.     Net (loss) gain on investment in shares and other
          saham dan efek lainnya                                                          securities
                                                   31 Desember /              31 Desember /
                                                   December 2023              December 2022
           Blue Chip                                    (13.523.198)                      4.397.318                                                 Blue Chip
           Perusahaan berkembang                           (201.133 )                      (470.126 )                                        Growth focused
           Teknologi digital                                (71.730)                       (237.294 )                                      Digital technology
           Lainnya                                          (15.006)                         36.091                                                     Other
                                                       (13.811.067)                      3.725.989

     b.   Penghasilan dividen, bunga dan investasi                                 b.     Dividend, interest and investment income
                                                   31 Desember /              31 Desember /
                                                   December 2023              December 2022

          Dividen                                          2.783.492                      2.591.212                                                 Dividend
          Pendapatan bunga dan investasi                      24.540                         21.473                           Interest and investment income
                                                           2.808.032                     2.612.685
Page 139
                                                 Ekshibit E/33                                                       Exhibit E/33

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                  PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                     AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                       NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                             YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                        (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)          (Expressed in millions of Rupiah, unless otherwise stated)

14.   BEBAN USAHA                                                  14. OPERATING EXPENSES
                                               31 Desember /        31 Desember /
                                               December 2023        December 2022

      Gaji karyawan dan kompensasi                                                                        Employees’ salaries and
         lainnya                                       113.548                94.978                        other compensation
      Jasa tenaga ahli                                  46.091                60.056                             Professional fees
      Pembayaran berbasis saham                         34.904                45.533                        Employee stock option
      Sewa                                              13.984                11.602                                        Rental
      Kantor                                             8.198                 5.916                                         Office
      Donasi                                             1.491                 1.229                                      Donation
      Penyusutan aset tetap                              1.264                   969                   Depreciation of fixed assets
      Perjalanan                                           997                 9.377                                     Travelling
      Lainnya                                            1.667                 2.740                                         Other
                                                       222.144              232.400

15.   LABA PER SAHAM                                              15. EARNINGS PER SHARE
      a. (Rugi) laba per saham dasar                                   a. Basic (loss) earnings per share
         (Rugi) laba per saham dasar dihitung dengan cara                 Basic (loss) earnings per share is calculated by dividing
         membagi (rugi) laba neto yang dapat diatribusikan                net (loss) profit attributable to owners of the Company
         kepada pemilik Perusahaan dengan rata-rata                       by the weighted average of ordinary shares
         tertimbang saham biasa yang beredar selama tahun                 outstanding during the year.
         berjalan.

                                               31 Desember /         31 Desember /
                                               December 2023         December 2022

           (Rugi) laba neto yang dapat
                diatribusikan kepada pemilik                                                          Net (loss) profit attributable
                Perusahaan                          (10.149.771)            4.616.367                 to owners of the Company
           Rata-rata tertimbang saham                                                                 Weighted average number of
                biasa yang beredar               13.524.783.164        13.507.051.085                     ordinary shares issued
           (Rugi) laba per saham dasar
                yang dapat diatribusikan                                                             Basic (loss) earnings per share
                kepada pemilik Perusahaan                                                          attributable to owners of the
                (Rupiah penuh)                             (750)                 342                    Company (whole Rupiah)

       b. (Rugi) laba per saham dilusian                               b. Diluted (loss) earnings per share
          Perhitungan (rugi) laba per saham dilusian telah                 The calculation of diluted (loss) earnings per share
          didasarkan pada (rugi) laba neto yang dapat                      has been based on the following net (loss) profit
          diatribusikan kepada pemilik Perusahaan dan                      attributable to owners of the Company and weighted-
          jumlah rata-rata tertimbang saham biasa yang                     average number of ordinary shares outstanding after
          beredar setelah penyesuaian atas dampak dari                     adjustments for the effects of all dilutive potential
          semua instrumen berpotensi saham biasa yang                      ordinary shares.
          bersifat dilutif.
                                               31 Desember /         31 Desember /
                                               December 2023         December 2022
           (Rugi) laba neto yang dapat
             diatribusikan kepada                                                                     Net (loss) profit attributable
             pemilik Perusahaan                     (10.149.771)            4.616.367                 to owners of the Company
           Rata-rata tertimbang saham
             biasa yang beredar setelah
             penyesuaian atas                                                                         Weighted average number of
             dampak dari semua instrumen                                                      ordinary shares outstanding after
             berpotensi saham biasa yang                                                      adjustments for the effects of all
             bersifat dilutif                    13.702.479.761        13.673.504.441         dilutive potential ordinary shares

           (Rugi) laba per saham dilusian
             yang dapat diatribusikan                                                            Dilutive (loss) earnings per share
             kepada pemilik Perusahaan                                                                attributable to owners of
             (Rupiah penuh)                                (741)                  338             the Company (whole Rupiah)
Page 140
                                                                     Ekshibit E/34                                                                                 Exhibit E/34

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                                            PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                                               AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                                                 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                                       YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                                                  (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                                    (Expressed in millions of Rupiah, unless otherwise stated)
16.   SIFAT HUBUNGAN, SALDO DAN TRANSAKSI DENGAN                                         16.      NATURE   OF    RELATIONSHIP,  BALANCES                                        AND
      PIHAK-PIHAK BERELASI                                                                        TRANSACTIONS WITH RELATED PARTIES
      Ikhtisar     transaksi       dan       saldo                               dengan             Summary of transactions and balances with related
      pihak-pihak berelasi adalah sebagai berikut:                                                  parties are as follows:

                                                                                                                        Persentase terhadap jumlah aset konsolidasian/
                                                                                                                            Percentage to total consolidated assets
                                                                   31 Desember/                 31 Desember/                  31 Desember/                31 Desember/
                                                                   December 2023                December 2022                 December 2023               December 2022
      Piutang/receivables:
      Rupiah
      PT Mulia Gunung Mas                                                          80.913                     25.745                          0,16%                      0,04%
      PT Mulia Bosco Utama                                                              -                      1.941                              -                     0,003%
      Piutang dividen/Dividend receivables:
         PT Adaro Strategic Lestari                                              209.767                   263.380                            0,41%                       0,41%
         PT Adaro Energy Indonesia Tbk.                                          234.955                   295.227                            0,46%                       0,46%
         PT Adaro Strategic Capital                                              526.221                   660.945                            1,03%                       1,04%
      Jumlah/Total                                                            1.051.856                 1.247.238                                                             )

                                                                   31 Desember /                31 Desember /
                                                                   December 2023                December 2022
      Pendapatan bunga:                                                                                                                                       Interest income:
        PT Mulia Gunung Mas                                                          6.424                      1.677                                  PT Mulia Gunung Mas

      Penghasilan lainnya:                                                                                                                                      Other income:
        PT Mulia Bosco Utama                                                             -                      1.781                                 PT Mulia Bosco Utama

      Pendapatan dividen:                                                                                                                              Dividend income:
        PT Adaro Strategic Capital                                             1.158.544                  1.032.943                        PT Adaro Strategic Capital
        PT Mitra Pinasthika Mustika Tbk.                                         341.561                    455.415                  PT Mitra Pinasthika Mustika Tbk.
        PT Adaro Energy Indonesia Tbk.                                           517.845                    461.344                   PT Adaro Energy Indonesia Tbk.
        PT Adaro Strategic Lestari                                               461.828                    411.651                        PT Adaro Strategic Lestari
        Bersama Digital Infrastructure Asia                                                                       -           Bersama Digital Infrastructure Asia Pte.
         Pte. Ltd.                                                               162.461                                                                       Ltd.
        PT Tower Bersama Infrastructure Tbk.                                     126.624                     75.540            PT Tower Bersama Infrastructure Tbk.
        PT Provident Investasi Bersama Tbk.*)                                          -                    137.381             PT Provident Investasi Bersama Tbk.*)
      Jumlah                                                                  2.768.863                  2.574.274                                              Total

      *) Pada bulan Juli 2022, Perusahaan telah melepas sebagian investasi saham di PT            *) On July 2022, the Company has sold part of its investment in PT Provident Investai
      Provident Investasi Bersama Tbk (PALM) yang mengakibatkan PALM sudah tidak                  Bersama Tbk (PALM) which resulting PALM no longer being a related party.
      menjadi pihak berelasi.


      Tabel berikut mengikhtisarkan transaksi dan saldo                                           The following table summarizes the transactions and
      yang tereliminasi pada saat proses konsolidasi:                                             balances which were eliminated in the consolidation
                                                                                                  process:
                                                                  31 Desember/                  31 Desember/
                                                                  December 2023                 December 2022
      Uang muka penyertaan saham:                                                                                                         Advances for investment in shares:
        PT Nugraha Eka Kencana                                                           -                     3.372                             PT Nugraha Eka Kencana
                                                                                         -                     3.372

      Pendapatan dividen                                                                                                                                   Dividend income
         PT Wahana Anugerah Sejahtera                                            158.353                 2.213.823                         PT Wahana Anugerah Sejahtera
         PT Saratoga Sentra Business                                                   -                 1.472.004                            PT Saratoga Sentra Business
         PT Wana Bhakti Sukses Mineral                                                 -                    33.986                         PT Wana Bhakti Sukses Mineral
                                                                                158.353                 3.719.813


      Perusahaan memberikan remunerasi kepada anggota                                             The Company provided remuneration to member of
      Komisaris dan Direksi Perusahaan (Personel                                                  Commissioners and Directors of the Company (Key
      Manajemen Kunci) berupa gaji dan tunjangan dengan                                           Management Personnel) in the form of salaries and other
      jumlah keseluruhan masing-masing sebesar Rp41.633                                           benefits totaling Rp41,633 and Rp34,825 for the periods
      dan Rp34.825 untuk periode yang berakhir pada                                               ended 31 December 2023 and 2022, respectively.
      tanggal 31 Desember 2023 dan 2022.
Page 141
                                                   Ekshibit E/35                                                     Exhibit E/35

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                  PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                     AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                       NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                             YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                        (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)          (Expressed in millions of Rupiah, unless otherwise stated)
16.   SIFAT HUBUNGAN, SALDO DAN TRANSAKSI DENGAN                   16.   NATURE   OF    RELATIONSHIP,  BALANCES      AND
      PIHAK-PIHAK BERELASI (lanjutan)                                    TRANSACTIONS WITH RELATED PARTIES (continued)
      Pihak-pihak berelasi dan sifat hubungan adalah sebagai             The related parties and the nature of relationships are
      berikut:                                                           as follows:
      Pihak-pihak berelasi/Related parties (lanjutan)                    Sifat hubungan/Nature of relationship (continued)
      PT Nugraha Eka Kencana                                             Entitas anak/Subsidiary
      PT Saratoga Sentra Business                                        Entitas anak/Subsidiary
      PT Wahana Anugerah Sejahtera                                       Entitas anak/Subsidiary
      PT Wana Bhakti Sukses Mineral                                      Entitas anak/Subsidiary
      PT Adaro Strategic Lestari                                         Entitas asosiasi/Associate
      PT Adaro Strategic Capital                                         Entitas asosiasi/Associate
      PT Tower Bersama Infrastructure Tbk.                               Entitas asosiasi/Associate
      PT Mitra Pinasthika Mustika Tbk.                                   Entitas asosiasi/Associate
      PT Provident Investasi Bersama Tbk.                                Entitas asosiasi/Associate
      PT Mulia Bosco Logistik                                            Entitas asosiasi/Associate
      PT Mulia Gunung Mas                                                Entitas anak/subsidiary of PT Mulia Bosco Logistik
      PT Mulia Bosco Utama                                               Entitas anak/subsidiary of PT Mulia Bosco Logistik
      Lynwood Hills Investment Solution Pte. Ltd.                        Entitas anak/subsidiary of PT Wahana Anugerah Sejahtera
      Bersama Digital Infrastructure Asia Pte. Ltd.                      Entitas asosiasi/associate of Lynwood Hills Investment
                                                                         Solution Pte. Ltd.
      PT Adaro Energy Indonesia Tbk.                                     Entitas investasi dari pemegang saham akhir/Investment
                                                                         entity of an ultimate shareholder

17. INFORMASI SEGMEN                                               17.   SEGMENT INFORMATION

      Perusahaan membagi kategori informasi segmen                       The Company categories the segment information into 3
      menjadi 3 (tiga) sektor utama yang merupakan target                (three) main sectors which are the investment target of
      investasi dari Perusahaan.                                         the Company.
      Penetapan segmen ini ditentukan              berdasarkan           These segments are determined based on the following
      pertimbangan sebagai berikut:                                      considerations:
      1.   Perusahaan Blue Chip                                          1. Blue Chip Companies
           Perusahaan yang masuk di kategori ini adalah                     Companies included in this category are companies
           perusahaan yang memiliki reputasi nasional, baik                 that have a national reputation, both in terms of
           dari sisi kualitas, kemampuan serta keandalan                    quality, ability and reliability to operate profitably
           untuk beroperasi yang menguntungkan dalam                        in various economic situations with good or bad
           berbagai situasi ekonomi dengan keadaan baik                     conditions, usually listed as part of LQ45 in the
           maupun buruk, biasanya masuk sebagai bagian                      Indonesia Stock Exchange.
           LQ45 di Bursa Efek Indonesia.
      2.   Perusahaan Berbasis Teknologi Digital                         2. Digital Technology Companies
           Perusahaan yang didefinisikan di sini adalah                     Companies defined here are companies that place an
           perusahaan dengan penekanan pada digitalisasi                    emphasis on digitizing business processes and
           proses bisnis dan jasa melalui teknologi dan sistem              services   through    sophisticated   information
           informasi yang canggih.                                          technology and systems.
      3.   Perusahaan Berkembang                                         3. Growth Focused Companies
           Perusahaan yang masuk di kategori ini adalah                     Companies that included in this category are
           perusahaan yang masih dalam proses berkembang                    companies that are still in the process of developing
           baik dari sisi pendapatan, maupun penambahan                     both in terms of income, as well as increasing the
           jumlah tenaga kerja agar bisa menjadi besar di                   number of workers so that they can become bigger
           masa yang akan datang.                                           in the future.
Page 142
                                                               Ekshibit E/36                                                                                    Exhibit E/36

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                                   PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                                      AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                                        NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                              YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                                         (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                           (Expressed in millions of Rupiah, unless otherwise stated)
17. INFORMASI SEGMEN (lanjutan)                                                    17. SEGMENT INFORMATION (continued)

     Informasi segmen operasi Grup tahun yang berakhir                                     The Group’s operating segment information for the years
     31 Desember 2023 dan 2022 adalah sebagai berikut:                                     ended 31 December 2023 and 2022 was as follows:

                                                              Teknologi         Perusahaan
                                                               digital/        berkembang/
                                                               Digital            Growth            Lain-lain/              Jumlah/
    31 Desember 2023                          Blue Chip      technology           focused            Others                  Total                            31 December 2023

    Penghasilan (kerugian)                                                                                                                                     Income (loss)
      (Catatan 13a dan 13b)                   (11.095.896)        (71.730 )            155.056                  9.535       (11.003.035)               (Note 13a and 13b)

    Aset segmen dilaporkan                     41.213.477       1.177.199           6.394.939          2.159.505             50.945.120        Reportable segment assets

                                                              Teknologi         Perusahaan
                                                               digital/        berkembang/
                                                               Digital            Growth            Lain-lain/              Jumlah/
     31 Desember 2022                         Blue Chip      technology           focused            Others                  Total                            31 December 2022

     Penghasilan (kerugian)                                                                                                                                     Income (loss)
      (Catatan 13a dan 13b)                     6.378.796        (237.294 )            139.609              57.563            6.338.674                 (Note 13a and 13b)

     Aset segmen dilaporkan                    54.699.022       1.262.781           6.157.859          1.651.488             63.771.150        Reportable segment assets

     Penghasilan terdiri dari keuntungan neto atas investasi                               Income comprised of net gain on investments in shares and
     pada saham dan efek lainnya serta penghasilan dividen                                 other securities as well as dividend and interest income.
     dan bunga.
     Lokasi operasi komersial investee dari semua investasi                                The underlying investee’s commercial operation of the
     Grup sebagian besar berada di Indonesia.                                              Group’s investments are mainly in Indonesia.


18. NILAI WAJAR INSTRUMEN KEUANGAN                                                 18. FAIR VALUE OF FINANCIAL INSTRUMENTS

     Tabel di bawah menunjukkan nilai tercatat dan nilai                                   The following table shows the carrying amounts and fair
     wajar aset dan liabilitas keuangan, termasuk levelnya                                 values of financial assets and liabilities, including their
     dalam hirarki nilai wajar. Informasi di dalam tabel tidak                             levels in the fair value hierarchy. It does not include fair
     termasuk nilai wajar aset dan liabilitas keuangan yang                                value information for financial assets and financial
     tidak diukur pada nilai wajar, yang nilai tercatatnya                                 liabilities not measured at fair value if the carrying amount
     diperkirakan mendekati nilai wajarnya.                                                is a reasonable approximation of fair value.
                                                                     Nilai tercatat/
                                                                    Carrying amount                                        Nilai wajar/Fair value

                                                                    Nilai wajar melalui
                                                                   laba rugi/ Fair value
     31 Desember/December 2023                                    through profit or loss       Biaya/Cost               Level 1             Level 2                Level 3
     Investasi pada saham (Catatan 5)/
       Investments in shares (Note 5)                                         46.680.205            336.644              23.902.147          20.823.488             1.617.926
     Investasi pada efek lainnya (Catatan 6)/
       Investments in other securities (Note 6)                                2.327.940            392.447                   2.030                 614.488         1.318.975

     31 Desember/December 2022
     Investasi pada saham (Catatan 5)/
       Investments in shares (Note 5)                                         57.787.584             89.096              30.308.750          25.994.016             1.395.722
     Investasi pada efek lainnya (Catatan 6)/
       Investments in other securities (Note 6)                                3.730.341            140.743               2.248.220                 548.036           793.342

     Aset keuangan derivatif (Catatan 7)/
       Derivative financial assets (Note 7)                                        7.353                    -                      -                  7.353                  -
Page 143
                                                 Ekshibit E/37                                                     Exhibit E/37

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                   AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                     NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                           YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                      (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)        (Expressed in millions of Rupiah, unless otherwise stated)
18. NILAI WAJAR INSTRUMEN KEUANGAN (lanjutan)                    18. FAIR VALUE OF FINANCIAL INSTRUMENTS (continued)

      Perhitungan nilai wajar diatas menggunakan beberapa             The calculation of the fair value above uses several
      metode pendekatan sebagai berikut:                              methods of approach as follows:

      Pendekatan biaya                                                Cost approach

      Perusahaan mengkaji bahwa investasi yang baru                   The Company has assessed that recently acquired
      diperoleh dalam 12 bulan terakhir memiliki nilai                investment within the last 12 months has acquisition
      perolehan yang mencerminkan nilai wajar. Selama                 cost reflecting fair value. As long as there is no event
      tidak ada peristiwa setelah tanggal perolehan sampai            after acquisition date to reporting date that indicates
      dengan tanggal pelaporan yang mengindikasikan                   significant changes to its fair value, such as market
      adanya perubahan nilai wajar yang signifikan, seperti           contraction due to the use of obsolete technology or
      kontraksi pasar akibat penggunaan teknologi yang                disruptive innovations, its acquisition cost is the amount
      usang atau inovasi-inovasi disruptif, nilai perolehan           carried at approximately fair value at reporting date.
      tersebut merupakan nilai tercatat yang mendekat nilai
      wajar pada tanggal pelaporan.

      Pendekatan nilai aset neto                                      Net asset value approach

      Perusahaan menggunakan nilai tercatat aset neto pada            The Company uses the carrying amounts of net assets of
      perusahaan investasi dalam menentukan nilai investasi           the investees in determining the value of their
      mereka. Pendekatan ini saat ini diterapkan di investasi         investments. The approach is currently applied to
      yang mana investee-nya memiliki aset neto dengan nilai          investments in which the investees have significant net
      wajar level 1 yang signifikan.                                  assets measured at fair value level 1.

      Pendekatan pasar dan pendapatan                                 Market and income approaches
      Manajemen menggunakan dua pendekatan yaitu                      Management uses both income approach (the Discounted
      pendekatan pendapatan (analisa arus kas terdiskonto             Cash Flow (DCF) analysis) and market approach (based
      (DCF)) dan pendekatan pasar (berdasarkan beberapa               on several markets of comparable companies) to
      pasar dari perusahaan sejenis) untuk mengestimasi nilai         estimate the fair value of the investments.
      wajar investasi tersebut.
      Pendekatan ini diterapkan di investasi yang mana                The aproach is applied to investments in which the
      investee-nya merupakan perusahaan nonpublik dan                 investees are non-public companies and have promising
      memiliki aktivitas komersial yang menjanjikan.                  commercial activities.
      Investee tersebut bergerak di bidang industri yang              These investees are engaged in various industries and
      beragam dan memiliki peluang bisnis, paparan risiko,            have varying business opportunities, risk exposure,
      profil pasar dan lingkungan persaingan yang juga                market profile and competitive environment as well.
      bervariasi. Estimasi nilai wajarnya disusun dengan              Their fair value estimations are prepared by considering
      mempertimbangkan banyak asumsi-asumsi yang unik                 many unique assumptions and relevant to their
      dan relevan di industri investee terkait. Karenanya,            respective industries. As a result, providing an
      pengungkapan analisa sensitivitas secara agregat atas           aggregated disclosure of sensitivity analysis on the key
      input penting yang digunakan tidak praktis dan berarti.         inputs used would not be practiceable nor meaningful.

19.   MANAJEMEN RISIKO KEUANGAN                                  19. FINANCIAL RISK MANAGEMENT
      Grup menyadari bahwa risiko merupakan bagian yang               The Group realizes that risk is an integral part of its
      tidak terpisahkan dari operasional Grup dan dapat               operational activities and can be managed practically and
      dikelola secara praktis dan efektif setiap hari.                effectively day by day.

      Pengelolaan risiko Grup mencakup keseluruhan lingkup            Risk management within the Group includes overall scope
      aktivitas usaha Grup, yang didasarkan pada kebutuhan            of business activities within the Group, which is based on
      akan keseimbangan antara fungsi operasional bisnis              the necessity of balance between business operational
      dengan pengelolaan risikonya. Dengan manajemen                  function and its risk management thereof. With proper
      risiko dan kebijakan yang berfungsi baik, maka                  risk management and policy, risk management will
      manajemen risiko akan menjadi mitra strategis bagi              become a strategic partner to the business in obtaining
      bisnis dalam mendapatkan hasil optimal dari operasi             optimal outcomes from the Group’s course of operations.
      Grup.
Page 144
                                                   Ekshibit E/38                                                              Exhibit E/38

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                          PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                             AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                               NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                     YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                                (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)                  (Expressed in millions of Rupiah, unless otherwise stated)

19.   MANAJEMEN RISIKO KEUANGAN                                         19. FINANCIAL RISK MANAGEMENT

      Berbagai aktivitas yang dilakukan membuat Grup                            The Group’s various activities expose to a variety of
      terekspos terhadap berbagai risiko keuangan, termasuk                     financial risks, including the effects of foreign currency
      dampak nilai tukar mata uang asing dan tingkat suku                       exchange rates and interest rates. The objectives of the
      bunga. Tujuan dari manajemen risiko Grup adalah untuk                     Group’s risk management are to identify, measure,
      mengidentifikasi, mengukur, mengawasi, dan mengelola                      monitor, and manage basic risks in order to safeguard the
      risiko dasar dalam upaya melindungi kesinambungan                         Group's long term business continuity and to minimize
      bisnis dalam jangka panjang dan meminimalisasi                            potential adverse effects on the financial performance of
      dampak yang tidak diharapkan pada kinerja keuangan                        the Group.
      Grup.

      Grup memiliki eksposur terhadap risiko investasi dan                      The Group has exposure to investment risk and also the
      risiko-risiko atas instrumen keuangan seperti risiko                      risks from financial instruments, such as credit risk,
      kredit, risiko pasar, risiko likuiditas dan risiko                        market risk, liquidity risk and capital risk.
      permodalan.
       a.   Risiko kredit                                                       a.   Credit risk

            Risiko kredit adalah risiko kerugian yang timbul jika                    Credit risk is the risk of loss if the Group’s customers
            pelanggan Grup gagal memenuhi kewajiban                                  fail to fulfill their contractual obligations. Credit
            kontraktualnya. Risiko kredit terutama melekat                           risk is primarily attributable to its cash and cash
            pada kas dan setara kas di bank dan piutang.                             equivalents in banks and receivables.

            Grup menempatkan kas dan setara kas pada                                 The Group put its cash and cash equivalents at
            institusi keuangan yang terpercaya yang berada di                        reputable financial institutions that are subject to
            dalam peraturan yang ketat. Karenanya, tidak                             tight regulations. Therefore, no significant credit
            terdapat risiko kredit yang signifikan yang                              risk factor was identified.
            teridentifikasi.

            Risiko kredit dikelola terutama melalui penetapan                        Credit risk is managed primarily through
            kebijakan Grup dalam pemberian fasilitas kredit                          determining the credit policies to mitigate the
            untuk mengurangi risiko kredit atas piutang. Saldo                       credit risk of receivables. Receivable balances are
            piutang dimonitor secara berkelanjutan untuk                             monitored on an ongoing basis to reduce the
            mengurangi eksposur terhadap kredit macet.                               exposure to bad debts.
            Eksposur maksimum dari aset keuangan di laporan                          The maximum exposure of the financial assets in the
            posisi keuangan konsolidasian terhadap risiko                            consolidated statements of financial position is
            kredit adalah sama dengan nilai tercatatnya.                             equal to their carrying amounts.

            Konsentrasi risiko kredit dari piutang Grup per                          The concentration of credit risk of the Group’s
            31 Desember 2023 and 2022 berdasarkan segmen                             receivables based on operating segments as of
            operasi adalah:                                                          31 December 2023 and 2022 are:

                                                     31 Desember/             31 Desember/
                                                    December 2023            December 2022

            Blue chip                                            970.943             1.219.552                                         Blue chip
            Perusahaan berkembang                                158.498                27.686                                    Growth focused
            Lainnya                                                  126                   170                                            Others
                                                               1.129.567             1.247.408

            Tabel berikut menyajikan rincian aset keuangan                           The following table presents the detail of financial
            berdasarkan kualitas kreditnya:                                          assets by their credit quality:

                                                            31 Desember/December 2023
                                          Nilai tercatat/        Penurunan nilai/
                                         Carrying amount           Impairment         Pokok/Gross

            Kas di bank dan setara kas            665.215                        -                665.215    Cash in banks and cash equivalents
            Kas yang dibatasi
              penggunaannya                          2.501                       -                   2.501                      Restricted cash
            Piutang                              1.129.567                 104.960               1.234.527                         Receivables
                                                 1.797.283                 104.960               1.902.243
Page 145
                                                 Ekshibit E/39                                                             Exhibit E/39

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                      PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                         AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                           NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                 YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                            (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)              (Expressed in millions of Rupiah, unless otherwise stated)

19.   MANAJEMEN RISIKO KEUANGAN (lanjutan)                            19. FINANCIAL RISK MANAGEMENT (continued)

      a. Risiko kredit (lanjutan)                                           a. Credit risk (continued)

          Tabel berikut menyajikan rincian aset keuangan                         The following table presents the detail of financial
          berdasarkan kualitas kreditnya: (lanjutan)                             assets by their credit quality: (continued)

                                                          31 Desember/December 2022
                                        Nilai tercatat/        Penurunan nilai/
                                       Carrying amount           Impairment         Pokok/Gross

          Kas di bank dan setara kas            862.842                      -              862.842      Cash in banks and cash equivalents
          Kas yang dibatasi
            penggunaannya                            884                     -                   884                        Restricted cash
          Piutang                              1.247.408               104.998             1.352.406                           Receivables
                                               2.111.134               104.998             2.216.132


         Tanggal 31 Desember 2023 dan 2022, tidak terdapat                       As of 31 December 2023 and 2022, there are no
         piutang material yang telah jatuh tempo namun tidak                     material past due but not impaired receivables.
         diturunkan nilainya. Manajemen telah mengkaji                           Management has assessed that all unimpaired
         bahwa seluruh piutang yang tidak diturunkan nilainya                    receivables remain collectible.
         dapat tertagih.

      b. Risiko pasar                                                       b. Market risk

          Grup terekspos terhadap risiko pasar yang berkaitan                    The Group is exposed to market risk in relation to
          dengan perubahan nilai suku bunga dan nilai tukar                      changes in interest rates and foreign exchange rates
          mata uang asing yang akan menyebabkan                                  which may result in decrease in income, or increase
          berkurangnya penghasilan, atau bertambahnya                            in the Group’s cost of capital.
          biaya modal Grup.

          Risiko nilai tukar mata uang asing                                     Foreign exchange risk

          Risiko nilai tukar mata uang asing adalah risiko                       Foreign exchange rate risk is the risk that the fair
          bahwa nilai wajar atau arus kas masa depan                             value or future cash flows of a financial instrument
          instrumen keuangan akan berfluktuasi karena                            will fluctuate because of changes in foreign
          perubahan dalam nilai tukar mata uang. Grup                            exchange rates. The Group is exposed to foreign
          terekspos terhadap pergerakan nilai tukar mata                         exchange rate risk mainly from the US Dollar
          uang asing terutama dari pinjaman bank dalam Dolar                     denominated loans from banks. This risk is, to some
          AS. Risiko ini, sampai pada batas tertentu, dimitigasi                 extent, mitigated by certain investments and
          dengan investasi dan penghasilan dividen dalam                         dividend income that are denominated in USD.
          Dolar AS.

          Grup secara aktif menangani risiko mata uang asing                     The Group is actively addressing the remaining
          yang tersisa melalui:                                                  foreign exchange risk through:
          1. Pembelian US Dolar dari pasar spot melalui bank;                    1. Buying USD in spot market through banks; and
             dan                                                                 2. Seeking other alternative solutions in
          2. Mencari solusi alternatif lain dalam mengatasi                           addressing the risk, i.e a full or partial
             risiko, yaitu melalui lindung nilai penuh atau                           hedging.
             sebagian.

          Kegiatan ini diambil dalam menjamin kelangsungan                       These activities are taken in order to safeguard the
          hidup jangka panjang Grup dan meminimalisasi                           Group’s long term continuity and to minimize
          dampak yang buruk terhadap kinerja keuangan                            potential adverse effects on the financial
          Grup.                                                                  performance of the Group.
Page 146
                                               Ekshibit E/40                                                         Exhibit E/40

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                  PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                     AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                       NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                             YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                        (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)          (Expressed in millions of Rupiah, unless otherwise stated)

 19. MANAJEMEN RISIKO KEUANGAN (lanjutan)                          19. FINANCIAL RISK MANAGEMENT (continued)
      b. Risiko pasar (lanjutan)                                         b. Market risk (continued)

          Risiko nilai tukar mata uang asing (lanjutan)                    Foreign exchange risk (continued)

          Tabel berikut menyajikan posisi keuangan Grup                     The following table presents the Group’s financial
          dalam Dolar AS:                                                   position in USD:
                                                   31 Desember/             31 Desember/
          Dolar AS                                 December 2023           December 2022                                          USD
          Aset                                                                                                                 Assets
            Kas dan setara kas di bank                    34.742.267              23.133.250     Cash and cash equivalents in banks
            Kas yang dibatasi penggunaannya                  160.019                  54.068                        Restricted cash
            Piutang dan aset lainnya                       5.032.720                       -           Receivables and other assets
                                                          39.935.006              23.187.318

          Liabilitas                                                                                                       Liabilities
            Pinjaman                                      (25.099.269)           (70.204.418 )                          Borrowings
                                                          (25.099.269)           (70.204.418 )

          Laporan posisi keuangan eksposur                                                        Net statement of financial position
            neto                                          14.835.737             (47.017.100)                            exposure

          Kurs yang digunakan untuk menjabarkan mata uang                   The exchange rates used against the Rupiah at the
          asing ke dalam Rupiah pada tanggal pelaporan                      reporting dates were as follows:
          adalah sebagai berikut:
                                                   31 Desember/            31 Desember/
                                                   December 2023          December 2022

          1 Dolar Amerika Serikat (Dolar AS/USD)               15.416                15.731           United States Dollar (USD) 1
          1 Dolar Singapura (Dolar SG/SGD)                     11.712                11.659              Singapore Dollar (SGD) 1
          1 Dolar Australia (Dolar AUS/AUD)                    10.565                10.581             Australian Dollar (AUD) 1

          Menguatnya/melemahnya Rupiah terhadap Dolar AS                     The strengthening/weakening of the Rupiah against
          pada 31 Desember 2023 dan 2022 akan                                the USD at 31 December 2023 and 2022 would have
          mengakibatkan peningkatan atau penurunan ekuitas                   increased or decreased equity and profit or loss by
          dan laba rugi sebesar jumlah yang ditunjukkan di                   the amounts shown below, assuming all other
          bawah ini, dengan asumsi seluruh variabel lainnya                  variables held constant.
          tetap.
                                                   31 Desember/             31 Desember/
                                                   December 2023           December 2022

          Rupiah menguat 10%                                                                          Rupiah strengthens by 10%
            Ekuitas [naik (turun)                              17.839                57.691        Equity [increase (decrease)]
                                                                                                        Profit or loss [increase
            Laba rugi [naik (turun)]                           17.839                57.691                         (decrease)]

          Rupiah melemah 10%                                                                              Rupiah weakens by 10%
            Ekuitas [naik (turun)                           (17.839)               (57.691)        Equity [increase (decrease)]
                                                                                                        Profit or loss [increase
            Laba rugi [naik (turun)]                        (17.839)               (57.691)                         (decrease)]

          Risiko suku bunga                                                 Interest rate risk
          Risiko suku bunga Grup timbul dari pinjaman bank                  The Group’s interest rate risk arises from bank
          dan fasilitas kredit yang diterbitkan dengan dasar                loans and credit facilities issued at floating
          suku bunga mengambang. Oleh karena itu, Grup                      interest rates. Accordingly, the Group has an
          memiliki eksposur atas fluktuasi arus kas yang                    exposure to fluctuation in cash flows due to
          diakibatkan oleh perubahan suku bunga yang                        changes in interest rates, which is partially offset
          sebagian dihapuskan oleh suku bunga mengambang                    with floating interest rates from cash and cash
          dari kas dan setara kas, piutang non-usaha dan kas                equivalents, non-trade receivables and restricted
          yang dibatasi penggunaannya. Grup mengelola                       cash. The Group manages interest income through
          penghasilan bunga melalui kombinasi antara suku                   a mix of fixed and floating interest rates of cash
          bunga tetap dan mengambang untuk kas dan setara                   and cash equivalents (including time deposits),
          kas (termasuk deposito berjangka), piutang non-                   non-trade receivables, and restricted cash and
          usaha, dan kas yang dibatasi penggunaannya dan                    makes comparison of such rates in the relevant
          membuat perbandingan tingkat suku bunga dengan                    financial markets. The Group has assessed that a
          yang ada di pasar keuangan. Grup telah mengkaji                   change in interest rates at the end of the reporting
          bahwa perubahan pada suku bunga di akhir periode                  period, with all other variables remain constant,
          pelaporan, dimana semua variabel lain tetap sama,                 would not have significant impact to equity and
          tidak akan memiliki dampak signifikan terhadap                    profit or loss.
          ekuitas dan laba rugi.
Page 147
                                                Ekshibit E/41                                                                Exhibit E/41

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                     PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                        AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                          NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                                YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                           (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)             (Expressed in millions of Rupiah, unless otherwise stated)

 19. MANAJEMEN RISIKO KEUANGAN (lanjutan)                                 19. FINANCIAL RISK MANAGEMENT (continued)

      c. Risiko likuiditas                                                   c. Liquidity risk
         Risiko likuiditas merupakan risiko yang timbul                            Liquidity risk is a risk that arises in situations where
         dalam situasi dimana arus kas masuk Grup dari                             the Group’s cash inflows from short-term revenue
         pendapatan jangka pendek tidak cukup untuk                                is not adequate to cover cash outflows for short-
         memenuhi arus kas keluar untuk pengeluaran                                term expenditure.
         jangka pendek.
         Untuk    mengelola     risiko  likuiditas, Grup                           To manage its liquidity risk, the Group applies the
         menerapkan manajemen risiko sebagai berikut:                              following risk management:
         1. memonitor dan menjaga kas dan setara kas di                            1. monitor and maintain its cash and cash
             level yang diperkirakan cukup untuk mendanai                               equivalents at a level deemed adequate to
             kegiatan operasional Grup dan mengurangi                                   finance the Group's operational activities and
             pengaruh fluktuasi dalam arus kas;                                         to mitigate the effect of fluctuations in cash
                                                                                        flows;
          2.   secara rutin memonitor perkiraan arus kas dan                       2. regularly monitor projected and actual cash
               arus kas aktual;                                                         flow;
          3.   secara rutin memonitor profil jatuh tempo                           3. regularly monitor loan maturity profiles and
               pinjaman     dan    melakukan    penyesuaian                             make relevant adjustments;
               seperlunya;
          4.   secara terus-menerus menilai kondisi pasar                          4.    continuously assess the financial markets for
               keuangan untuk kesempatan memperoleh                                      opportunities to raise funds; and
               dana; dan
          5.   sebagai tambahan, Grup memiliki fasilitas                           5.    in addition, the Group has a stand-by loan
               pinjaman stand-by yang dapat ditarik sesuai                               facility that can be drawn down upon request
               dengan permintaan untuk mendanai kegiatan                                 to fund its operations when needed.
               operasi pada saat diperlukan.

         Tabel berikut menyajikan liabilitas keuangan Grup                  6.    The following table presents the Group’s financial
         berdasarkan jatuh tempo kontraktualnya, termasuk                         liabilities based on their contractual maturities,
         estimasi pembayaran bunga:                                               including the estimated interest payments:
                                                                             Jatuh tempo/Maturity period
                                                           Arus kas          Kurang dari
                                                         kontraktual/         1 tahun/
                                    Nilai tercatat/    Contractual cash       Less than            1-5 tahun/
                                   Carrying amount          flows              1 year               1-5 years

         31 Desember 2023                                                                                                  31 December 2023
          Utang lainnya                        5.417              5.417                   5.417                -            Other payables
          Pinjaman                           926.106          1.133.676                 313.963          819.713                Borrowings
                                             931.523          1.139.093                 319.380          819.713

         31 Desember 2022                                                                                                   31 December 2022
          Utang lainnya                       16.508              16.508                 16.508                -             Other payables
          Pinjaman                         1.544.224           1.905.150                292.448        1.612.702                Borrowings
                                           1.560.732           1.921.658                308.956        1.612.702


      d. Risiko permodalan                                                       d. Capital risk
        Tujuan Grup mengatur modal adalah untuk menjaga                            The Group’s objective in managing capital is to
        kemampuan Perusahaan untuk melanjutkan usaha                               safeguard the Company’s ability to continue as a
        yang terus menerus supaya memberikan keuntungan                            going concern in order to provide returns for
        kepada pemegang saham dan manfaat ke pemangku                              shareholders and benefits for other stakeholders,
        kepentingan lainnya, serta untuk mempertahankan                            as well as to maintain an optimal capital structure
        struktur modal yang optimal untuk mengurangi                               to reduce the cost of capital.
        biaya modal.
        Grup secara aktif dan rutin menelaah dan mengelola                         The Group actively and regularly reviews and
        struktur permodalan dengan mempertimbangkan                                manages its capital structure by taking into
        kebutuhan modal masa depan dan efisiensi modal                             consideration the future capital requirements and
        Grup, profitabilitas masa sekarang dan yang akan                           capital efficiency of the Group, prevailing and
        datang, proyeksi arus kas operasi, proyeksi belanja                        projected profitability, projected operating cash
        modal dan proyeksi peluang investasi yang strategis.                       flows, projected capital expenditures and
                                                                                   projected strategic investment opportunities.
Page 148
                                              Ekshibit E/42                                                             Exhibit E/42

         PT SARATOGA INVESTAMA SEDAYA Tbk.                                  PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                     AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                       NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                             YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                        (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)          (Expressed in millions of Rupiah, unless otherwise stated)

 19. MANAJEMEN RISIKO KEUANGAN (lanjutan)                            19. FINANCIAL RISK MANAGEMENT (continued)

     d. Risiko permodalan (lanjutan)                                     d. Capital risk (continued)

        Grup mengevaluasi struktur modalnya melalui rasio                  The Group evaluates its capital structure through
        pinjaman terhadap modal (gearing ratio) yang                       the debt-to-equity ratio (gearing ratio), which is
        dihitung dengan membagi pinjaman neto dengan                       calculated by dividing the net debt to equity. Net
        modal. Pinjaman neto adalah jumlah liabilitas                      debt represents the sum of liabilities as presented
        sebagaimana disajikan di laporan posisi keuangan                   in the consolidated statement of financial position,
        konsolidasian, selain liabilitas pajak tangguhan,                  excluding deferred tax liabilities, less cash and cash
        dikurangi kas dan setara kas. Sedangkan modal                      equivalents. The equity relates to the entire
        meliputi seluruh ekuitas yang dapat diatribusikan                  attributable equity to owners of the Company.
        kepada pemilik Perusahaan.
        Pada tanggal pelaporan, perhitungan rasio tersebut                 As of reporting dates, the calculations of this ratio
        adalah sebagai berikut:                                            are as follows:

                                              31 Desember/                 31 Desember/
                                              December 2023                December 2022

        Jumlah liabilitas                                 968.487                   1.605.789                          Total liabilities
        Dikurangi: kas dan setara kas                    (665.225)                   (862.852)         Less: cash and cash equivalents
        Liabilitas neto                                   303.262                     742.937                            Net liabilities
        Jumlah ekuitas yang diatribusikan                                                             Total equity attributable to the
          kepada pemilik Perusahaan                   48.708.623                   59.815.533                owners of the Company
        Rasio pinjaman terhadap modal                      0,006                        0,012                      Debt to equity ratio

     e. Risiko harga saham                                              e. Share price risk
        Perusahaan telah menginvestasikan aset dalam                       The Company has maintained reasonable amounts
        jumlah yang wajar pada efek ekuitas. Perusahaan                    of invested assets in equity securities. The Company
        berinvestasi dalam bisnis yang memiliki ekonomi                    invests in businesses that possess excellent
        yang sangat baik, dengan manajemen yang cakap                      economics, with capable and honest management
        dan jujur dan dengan harga yang masuk akal.                        and at sensible prices.

        Harga pasar dari efek ekuitas tergantung pada                       Market prices of equity securities instruments are
        fluktuasi yang dapat berdampak pada jumlah                          subject to fluctuation and consequently the amount
        realisasi atas penjualan dari nilai investasi di masa               realized in the subsequent sale of an investment
        depan dapat berbeda secara signifikan dari nilai                    may significantly differ from the currently reported
        yang dilaporkan sekarang. Fluktuasi harga pasar dari                value. Fluctuations in the market price of such
        instrumen tersebut dapat disebabkan oleh                            instruments may result from perceived changes in
        perubahan karakteristik ekonomi yang mendasari                      the underlying economic characteristics of the
        investee, harga relatif dari alternatif investasi dan               investee, the relative price of alternative
        kondisi pasar secara umum.                                          investments and general market conditions.

        Menguatnya/melemahnya harga saham tertentu                         The strengthening/weakening of certain share
        pada 31 Desember 2023 dan 2022 akan                                prices at 31 December 2023 and 2022 would have
        mengakibatkan peningkatan atau penurunan ekuitas                   increased/decreased equity and profit and loss by
        dan laba rugi sebesar jumlah yang ditunjukkan di                   the amounts shown below, assuming all other
        bawah ini, dengan asumsi seluruh variabel lainnya                  variables held constant.
        tetap.
                                               31 Desember/            31 Desember/
                                               December 2023           December 2022

        ADRO menguat/melemah 10%                                                                  ADRO strengthens/weakens by 10%
          Ekuitas [naik/turun]                           962.955           1.557.510                    Equity [increase/decrease]
          Laba rugi [naik/turun]                         962.955           1.557.510             Profit or loss [increase/decrease]

        TBIG menguat/melemah 10%                                                                  TBIG strengthens/weakens by 10%
          Ekuitas [naik/turun]                          1.644.813          1.656.371                   Equity [increase/decrease]
          Laba rugi [naik/turun]                        1.644.813          1.656.371            Profit or loss [increase/decrease]

        MDKA menguat/melemah 10%                                                                  MDKA strengthens/weakens by 10%
          Ekuitas [naik/turun]                          1.223.751          1.822.348                    Equity [increase/decrease]
          Laba rugi [naik/turun]                        1.223.751          1.822.348             Profit or loss [increase/decrease]

        MPMX menguat/melemah 10%                                                                  MPMX strengthens/weakens by 10%
          Ekuitas [naik/turun]                            265.659            283.369                    Equity [increase/decrease]
          Laba rugi [naik/turun]                          265.659            283.369             Profit or loss [increase/decrease]
Page 149
                                             Ekshibit E/43                                                  Exhibit E/43

         PT SARATOGA INVESTAMA SEDAYA Tbk.                             PT SARATOGA INVESTAMA SEDAYA Tbk.
                   DAN ENTITAS ANAK                                                AND SUBSIDIARIES
   CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN                  NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
     TAHUN BERAKHIR 31 DESEMBER 2023 DAN 2022                        YEARS ENDED 31 DECEMBER 2023 AND 2022
                        (LANJUTAN)                                                   (CONTINUED)
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain)     (Expressed in millions of Rupiah, unless otherwise stated)

20. PERISTIWA SETELAH TANGGAL NERACA                          20. SUBSEQUENT EVENTS

     1.   Pada tanggal 18 Januari 2024, Perusahaan telah           1.   On 18 January 2024, the Company entered into a loan
          menandatangani perjanjian pinjaman dengan                     agreement with PT Bank HSBC Indonesia for a loan
          PT Bank HSBC Indonesia untuk fasilitas pinjaman               facility of Rp500,000 and loan term of 5 years from
          sebesar Rp500.000 dan jangka waktu pinjaman                   the first utilization date.
          selama 5 tahun sejak tanggal penarikan pertama.

     2.   Pada tanggal 31 Januari 2024, Perusahaan telah           2.   On 31 January 2024, the Company entered into an
          menandatangani perubahan perjanjian pinjaman                  amendment of loan agreement with PT Bank Permata
          dengan PT Bank Permata Tbk untuk tambahan                     Tbk for an additional loan facility of Rp700,000 and
          fasilitas pinjaman sebesar Rp700.000 dan jangka               loan term of 5 years from the amendment date of the
          waktu pinjaman selama 5 tahun sejak tanggal                   agreement.
          perubahan perjanjian.

     3.   Pada tanggal 6 Februari 2024, Perusahaan telah           3.   On 6 February 2024, the Company entered into a loan
          menandatangani perjanjian pinjaman dengan                     agreement with PT Bank DBS Indonesia for a loan
          PT DBS Indonesia untuk fasilitas pinjaman sebesar             facility of Rp500,000 and loan term of 5 years from
          Rp500.000 dan jangka waktu pinjaman selama 5                  the first utilization date.
          tahun sejak tanggal penarikan pertama.



21. PENYELESAIAN LAPORAN KEUANGAN KONSOLIDASIAN               21. THE COMPLETION         OF   CONSOLIDATED      FINANCIAL
                                                                  STATEMENT
     Laporan keuangan konsolidasian Grup disetujui untuk           The Group’s consolidated financial statements were
     diterbitkan oleh Direksi pada tanggal 15 Maret 2024.          authorized for issuance by the Board of Directors
                                                                   15 March 2024.
Page 150
Siddharta Widjaja & Rekan
Registered Public Accountants
35th Fl oor Jakarta Mo ri Tower
40-41, JI. Jend. Sudirman
Jaka rta 10210
Indon esia
+62 (21) 574 2333 / 574 2888


Laporan Auditor lndependen                                                                                                          Independent Auditors' Report

No .: 00069/2.1005/AU.1/05/1214-4/1/III/2024                                                                  No .: 00069/2. 1005/A U.1 /05/1214-4/ 1/JJJ/2024

Para Pemegang Saham,                                                                                                                  The Shareholders,
Dewan Komisaris dan Direksi                                                                               Board of Commissioners and Board of Directors
PT Saratoga Investama Sedaya Tbk.:                                                                                  PT Saratoga Investama Sedaya Tbk. :



Opini                                                                                        Opinion

Kami telah mengaudit Iaporan keuangan konsolidasian PT                                        We have audited the consolidated financial statements of
Saratoga lnvestama Sedaya Tbk. dan entitas anaknya                                           PT Saratoga Investama Sedaya Tbk. and its subsidiaries
("Grup"), yang terdiri dari laporan posisi keuangan                                          (" the Group "), which comprise the consolidated
konsolidasian tanggal 31 Desember 2023 , serta laporan Iaba                                  statement offinancial position as of 31 December 2023,
rugi dan penghasilan komprehensif Iain konsolidasian,                                        the consolidated statements ofprofit or loss and other
laporan perubahan ekuitas konsolidasian, dan laporan arus                                    comprehensive income, changes in equity, and cashjl.ows
kas konsolidasian untuk tahun yang berakhir pada tanggal                                     for the year then ended, and notes, comprising material
tersebut, serta catatan, yang terdiri dari informasi kebijakan                               accounting policies and other explanatory information.
akuntansi material dan informasi penjelasan lainnya.

Menurut opini kami, laporan keuangan konsolidasian                                           In our opinion, the accompanying consolidated.financial
terlampir menyajikan secara wajar, dalam semua ha! yang                                      statements present fairly, in all material respects, the
material, posisi keuangan konsolidasian Grup tanggal 3 1                                     consolidated financial position of the Group as of 31
Desember 2023 , serta kinerja keuangan konsolidasian dan                                     December 2023, and its consolidated financial
arus kas konsolidasiannya untuk tahun yang berakhir pada                                     performance and its consolidated cash flows for the year
tanggal tersebut, sesuai dengan Standar Akuntansi Keuangan                                   then ended in accordance with Indonesian Financial
di Indonesia.                                                                                Accounting Standards.

Basis Opini                                                                                  Basis for Opinion

Kami melaksanakan audit kami berdasarkan Standar Audit                                        We conducted our audit in accordance with Standards on
yang ditetapkan oleh Institut Akuntan Publik Indonesia.                                       Auditing established by the Indonesian Institute of
Tanggung jawab kami menurut standar tersebut diuraikan                                        Certified Public Accountants. Our responsibilities under
lebih Ianjut dalam paragraf Tanggung Jawab Auditor                                            those standards are further described in the Auditors '
terhadap Audit atas Laporan Keuangan Konsolidasian pada                                       Responsibilities for the Audit of the Consolidated
Iaporan kami. Kami independen terhadap Grup berdasarkan                                       Financial Statements section of our report. We are
ketentuan etika yang relevan dalam audit kami atas Iaporan                                    independent of the Group in accordance with the ethical
keuangan konsolidasian di Indonesia, dan kami telah                                           requirements that are relevant to our audit of the
memenuhi tanggungjawab etika lainnya berdasarkan                                              consolidated.financial statements in Indonesia, and we
ketentuan tersebut. Kami yakin bahwa bukti audit yang tel ah                                  have fulfilled our other ethical responsibilities in
kami peroleh adalah cukup dan tepat untuk menyediakan                                         accordance with these requirements. We believe that the
suatu basis bagi opini audit kami.                                                            audit evidence we have obtained is sufficient and
                                                                                              appropriate to provide a basis for our opinion.




  Siddharta Widjaja & Rekan - Registered Public Accountants, an Indonesian partnership and a member firm of the KPMG global organization of
                                                                                                                                              License No . . 916/KM 1/2014
  independent member firms affiliated with KPMG International Limited. a private English company limited by guarantee
Page 151
Hal Audit Utama                                                    Key Audit Matters

Hal audit utama adalah hal-hal yang, menurut pertimbangan          Key audit matters are those matters that, in our
profesional kami, merupakan hal yang paling signifikan             professional judgment, were of most significance in our
dalam audit kami atas laporan keuangan konsolidasian               audit of the consolidated financial statements of the
periode kini. Hal-hal tersebut disampaikan dalam konteks           current period. These matters were addressed in the
audit kami atas laporan keuangan konsolidasian secara              context of our audit of the consolidated financial
keseluruhan, dan dalam merumuskan opini kami atas                  statements as a whole, and informing our opinion
laporan keuangan konsolidasian terkait, kami tidak                 thereon, and we do not provide a separate opinion on
menyatakan suatu opini terpisah atas hal audit utama               these matters.
tersebut.


Penilaian Investasi Level 2 dan 3 yang Dicatat pada Nilai          Valuation of Level 2 and 3 Investments Carried at Fair
Wajar                                                              Value

Lihat Catatan 5, 6 dan 18 atas laporan keuangan                    Refer to Notes 5, 6 and 18 to the consolidatedfinancial
konsolidasian.                                                     statements.

Pada tanggal 31 Desember 2023, aktivitas investasi Grup            As at 31 December 2023, the Group 's investing activities
menghasilkan berbagai investasi Level 2 dan 3 (termasuk            result in various Level 2 and 3 (including investments
investasi yang diukur dengan model biaya) pada saham dan           measured at cost) investments in shares and other equity
ekuitas lainnya sejumlah Rp 25 . 103 .968 juta, yang mewakili      securities totaling !DR 25,103,968 million, representing
49,3% dari jumlah aset konsolidasian. Dari investasi Level         49.3% of the total consolidated assets. Out of those in
2, sejumlah Rp I 9 .3 29 .448 juta merupakan investasi di          Level 2, a total of!DR 19.329.448 million are investments
entitas yang memiliki kepemilikan langsung atas saham              in entities that hold a direct ownership in publicly traded
yang diperdagangkan secara publik. Baik investasi Level 2          shares. Both Level 2 and 3 investments are accounted for
dan 3 dicatat pada nilai wajarnya secara berkala sesuai            at fair value on a recurring basis in accordance with
dengan PSAK 68 , Pengukuran Nilai Wajar, dengan                    PSAK 68, Fair Value Measurement, by using various
menggunakan berbagai pendekatan termasuk harga transaksi           approaches that include price of recent orderly
terkini, arus kas terdiskonto, dan nilai aset neto ("Net asset     transactions, discounted cash flows and net asset value
value/NA}/").                                                      (NAV).

Tidak seperti investasi pada saham yang diperdagangkan di          Unlike investments in publicly traded equities whose
publik dimana harganya dapat diamati segera dan karenanya          prices are readily observable and therefore more easily
lebih mudah dipastikan secara independen, penilaian                independently corroborated, the valuation of these Level 2
investasi Level 2 dan 3 secara inheren bersifat subyektif,         and 3 investments is inherently subjective, often involves
seringkali menggunakan input yang tidak dapat diamati, dan         the use of inputs that are unobservable, and thus includes
melibatkan tingkat subyektivitas karena pertimbangan yang          a level of subjectivity due to judgment used in determining
digunakan dalam menentukan asumsi dasar dan model                  the underlying assumptions and appropriate valuation
penilaian yang tepat. Beberapa investasi ini dilakukan             models. Several of these investments are made through
melalui entitas investasi lain, yang membatasi transparansi        other investing entities, further limiting the price
harga yang timbul dari kesenjangan informasi.                      transparency arising from the information asymmetry.

Dampak dari hal-hal ini adalah, sebagai bagian dari kajian          The effect of these matters is that, as part of our risk
risiko kami, penilaian investasi Level 2 dan 3 adalah              assessment, the valuation of Level 2 and 3 investments has
estimasi yang memiliki tingkat ketidakpastian yang tinggi          a high degree of estimation uncertainties with an equally
dengan upaya audit yang setara dan membutuhkan keahlian            high degree of audit effort requiring specialized skills and
dan pengetahuan khusus, serta melibatkan pertimbangan               knowledge, and involving subjective and complex auditor
auditor yang subyektif dan kompleks .
                                                                   j udgment.

Prosedur audit kami, antara lain:                                  Our audit procedures were, among others:

•    Memilih sampel dengan mempertimbangkan nilai                  •    Selecting samples by considering the investments'
     tercatat investasi terkait, lini bisnis, fase, kompleksitas        carrying amounts, business lines, stages, any
     yang diperkirakan dan secara historis diketahui, serta             presumed and historically known complexities, as
     kemudahan akses ke data dan informasi yang relevan .               well as the ease of access to the relevant data and
     Mungkin terdapat faktor pertimbangan lain tergantung               information. There may be other consideration
     dari sifat dan jenis investasinya;                                 depending on the nature of investment;

•    Menelaah apakah metode penilaian yang digunakan                •    Assessing whether the valuation method used for the
     untuk investasi tersebut telah tepat sesuai dengan model            investment is appropriate in accordance with the
     bisnis investee terkait, serta fakta dan keadaan yang               underlying investee 's business model, as well as
     sudah ada;                                                          other available facts and circumstances;
Page 152
~
•   Mengevaluasi apakah metode penilaian yang dipilih             •   Evaluating whether the selected valuations methods
    telah diterapkan secara konsisten pada investasi lain             had been consistently applied in other similar type of
    yang serupa dan mengevaluasi apakah perubahan                     investments and evaluating the appropriateness of
    metode telah tepat, jika ada;                                     changes in such methods, if any;
•   Melakukan tanyajawab dengan direktur keuangan atau            •   Interviewing finance director or other relevant
    personel lain yang relevan dalam rangka memahami                  personnel to understand the assumptions and
    asumsi dan pertimbangan yang digunakan dalam                      judgment used in preparing the underlying
    menyusun perhitungannya dan jika memungkinkan,                    calculations and ifpossible, corroborating key
    memastikan inforrnasi yang penting dengan sumber                   information to independent sources;
    independen;

•   Melibatkan pakar ahli penilaian kami untuk mengkaj i          •   Involving our own valuation specialists to assess the
    apakah model dan input yang digunakan telat tepat                 appropriateness of the models and inputs by
    dengan membandingkan input yang dapat diamati                     comparing the observable inputs against
    dengan sumber independen dan data pasar yang                      independent sources and externally available market
    tersedia di eksternal dan secara independen melakukan             data and re-performed independent valuations;
    kembali penilaiannya;

•   Memperoleh laporan keuangan atas entitas investasi            •   Obtaining the externally examined financial
    yang telah diperiksa secara eksternal dan mencocokkan             statements of investment entities and agreeing them
    dengan data keuangan dasar yang digunakan untuk                   with the underlying financial data used to measure
    mengukur nilai investasi;                                         the investment values;

•   Menelaah konsistensi penerapan asumsi dan                     •   Assessing the consistency by which the key
    pertimbangan penting di seluruh investasi yang                    assumptions andjudgments were applied to across
    memiliki profil dan karakteristik serupa;                         all investments that shared similar profiles and
                                                                      characteristics;

•    Menelaah pengungkapan terkait telah cukup.                   •   Assessing the relevant disclosures are sufficient.

Informasi Lain                                                    Other Information

Manajemen bertanggungjawab atas inforrnasi lain.                  Management is responsible for the other information. The
Informasi lain terdiri dari informasi yang tercantum dalam        other information comprises the information included in
Laporan Tahunan 2023, tetapi tidak mencantumkan laporan           2023 Annual Report, but does not include the
keuangan konsolidasian dan laporan auditor kami. Laporan          consolidated financial statements and our auditor's
Tahunan 2023 diharapkan akan tersedia bagi kami setelah           report thereon. The 2023 Annual Report is expected to be
tanggal laporan auditor ini.                                      made available to us after the date of this auditors'
                                                                  report.

Opini kami atas laporan keuangan konsolidasian tidak              Our opinion on the consolidatedfinancial statements
mencakup informasi lain, dan oleh karena itu, kami tidak          does not cover the other information and we do not
menyatakan bentuk keyakinan apapun atas informasi lain            express any form of assurance conclusion thereon.
tersebut.

Sehubungan dengan audit kami atas laporan keuangan                In connection with our audit of the consolidated financial
konsolidasian, tanggung jawab kami adalah untuk membaca           statements, our responsibility is to read the other
informasi lain yang teridentifikasi di atas, jika tersedia dan,   information identified above when it becomes available
dalam melaksanakannya, mempertimbangkan apakah                    and, in doing so, consider whether the other information
informasi lain mengandung ketidakkonsistensian material           is materially inconsistent with the consolidated financial
dengan laporan keuangan konsolidasian atau pemahaman              statements or our knowledge obtained in the audit or
yang kami peroleh selama audit, atau mengandung                   otherwise appears to be materially misstated.
kesalahan penyajian material.

Ketika kami membaca Laporan Tahunan 2023, jika kami               When we read the 2023 Annual Report, zf we conclude
menyimpulkan bahwa terdapat suatu kesalahan penyajian             that there is a material misstatement therein, we are
material di dalamnya, kami diharuskan untuk                       required to communicate the matter to those charged with
mengomunikasikan ha! tersebut kepada pihak yang                   governance and take appropriate actions based on the
bertanggung jawab atas tata kelola dan melakukan tindakan         applicable laws and regulations.
yang tepat berdasarkan peraturan perundang-undangan yang
berlaku.
Page 153
Tanggung Jawab Manajemen dan Piliakyang                        Responsibilities of Management and Those Charged
Bertanggung Jawab atas Tata Kelola terhadap Laporan            with Governance for the Consolidated Financial
Keuangan Konsolidasian                                         Statements


Manajemen bertanggung jawab atas penyusunan dan                Management is responsible for the preparation and/air
penyajian wajar laporan keuangan konsolidasian tersebut        presentation of these consolidated financial statements in
sesuai dengan Standar Akuntansi Keuangan di Indonesia,         accordance with Indonesian Financial Accounting
dan atas pengendalian internal yang dianggap perlu oleh        Standards, and for such internal control as management
manajemen untuk memungkinkan penyusunan laporan                determines is necessary to enable the preparation of
keuangan konsolidasian yang bebas dari kesalahan penyajian     consolidated financial statements that are free from
material, baik yang disebabkan oleh kecurangan maupun          material misstatement, whether due to fraud or error.
kesalahan.

Dalam penyusunan laporan keuangan konsolidasian,               In preparing the consolidated.financial statements,
manajemen bertanggung jawab untuk menilai kemampuan            management is responsible for assessing the Group's
Grup dalam mempertahankan kelangsungan usahanya,               ability to continue as a going concern, disclosing, as
mengungkapkan, sesuai dengan kondisinya, hal-hal yang          applicable, matters related to going concern and using
berkaitan dengan kelangsungan usaha, dan menggunakan           the going concern basis of accounting unless
basis akuntansi kelangsungan usaha, kecuali manajemen          management either intends to liquidate the Group or to
memiliki intensi untuk melikuidasi Grup atau menghentikan      cease operations, or has no realistic alternative but to do
operasi, atau tidak memiliki altematif yang realistis selain   so.
melaksanakannya.

Pihak yang bertanggung jawab atas tata kelola bertanggung      Those charged with governance are responsible for
jawab untuk mengawasi proses pelaporan keuangan Grup.          overseeing the Group 's financial reporting process.

Tanggung Jawab Auditor terhadap Audit atas Laporan             Auditors' Responsibilities for the Audit of the
Keuangan Konsolidasian                                         Consolidated Financial Statements

Tujuan kami adalah untuk memeroleh keyakinan memadai           Our objectives are to obtain reasonable assurance about
tentang apakah laporan keuangan konsolidasian secara           whether the consolidated.financial statements as a whole
keseluruhan bebas dari kesalahan penyajian material, baik      are free from material misstatement, whether due to fraud
yang disebabkan oleh kecurangan maupun kesalahan, dan          or error, and to issue an auditors' report that includes
untuk menerbitkan laporan auditor yang mencakup opini          our opinion. Reasonable assurance is a high level of
kami . Keyakinan memadai merupakan suatu tingkat               assurance, but is not a guarantee that an audit conducted
keyakinan tinggi, namun bukan merupakan suatu jaminan          in accordance with the Standards on Auditing will always
bahwa audit yang dilaksanakan berdasarkan Standar Audit        detect a material misstatement when it exists.
akan selalu mendeteksi kesalahan penyajian material ketika     Misstatements can arise from fraud or error and are
ha! tersebut ada. Kesalahan penyajian dapat disebabkan oleh    considered material if, individually or in the aggregate,
kecurangan maupun kesalahan dan dianggap material jika,        they could reasonably be expected to influence the
baik secara individual maupun secara agregat, dapat            economic decisions of users taken on the basis of these
diekspektasikan secara wajar akan memengaruhi keputusan        consolidated financial statements.
ekonomi yang diambil oleh pengguna berdasarkan laporan
keuangan konsolidasian tersebut.

Sebagai bagian dari suatu audit berdasarkan Standar Audit,     As part of an audit in accordance with the Standards on
kami menerapkan pertimbangan profesional dan                   Auditing, we exercise professional judgment and maintain
mempertahankan skeptisisme profesional selama audit.           professional skepticism throughout the audit. We also:
Kamijuga:

 •   Mengidentifikasi dan menilai risiko kesalahan             •    Identify and assess the risks of material
     penyajian material dalam laporan keuangan                      misstatement of the consolidated financial
     konsolidasian, baik yang disebabkan oleh kecurangan            statements, whether due to fraud or error, design
     maupun kesalahan, mendesain dan melaksanakan                   and perform audit procedures responsive to those
     prosedur audit yang responsif terhadap risiko tersebut,        risks, and obtain audit evidence that is sufficient and
     serta memeroleh bukti audit yang cukup dan tepat               appropriate to provide a basis for our opinion. The
     untuk menyediakan basis bagi opini kami. Risiko tidak          risk of not detecting a material misstatement
     terdeteksinya kesalahan penyajian material yang                resultingfromfraud is higher than/or one resulting
     disebabkan oleh kecurangan lebih tinggi dari yang              from error, as fraud may involve collusion, forgery,
     disebabkan oleh kesalahan, karena kecurangan dapat              intentional omissions, misrepresentations, or the
     melibatkan kolusi, pemalsuan, penghilangan secara               override of internal control.
     sengaja, pernyataan salah, atau pengabaian
     pengendalian internal.
Page 154
•    Memeroleh suatu pemahaman tentang pengendalian           •   Obtain an understanding of internal control relevant
     internal yang relevan dengan audit untuk mendesain           to the audit in order to design audit procedures that
     prosedur audit yang tepat sesuai dengan kondisinya,          are appropriate in the circumstances, but not for the
     tetapi bukan untuk tujuan menyatakan opini atas              purpose of expressing an opinion on the
     keefektivitasan pengendalian internal Grup.                  effectiveness of the Group's internal control.

•    Mengevaluasi ketepatan kebijakan akuntansi yang          •   Evaluate the appropriateness of accounting policies
     digunakan serta kewajaran estimasi akuntansi dan             used and the reasonableness of accounting estimates
     pengungkapan terkait yang dibuat oleh manajemen.             and related disclosures made by management.

•    Menyimpulkan ketepatan penggunaan basis akuntansi        •    Conclude on the appropriateness of management's
     kelangsungan usaha oleh manajemen dan, berdasarkan            use of the going concern basis of accounting and,
     bukti audit yang diperoleh, apakah terdapat suatu             based on the audit evidence obtained, whether a
     ketidakpastian material yang terkait dengan peristiwa         material uncertainty exists related to events or
     atau kondisi yang dapat menyebabkan keraguan                  conditions that may cast significant doubt on the
     signifikan atas kemampuan Grup untuk                          Group's ability to continue as a going concern. If we
     mempertahankan kelangsungan usahanya. Ketika kami             conclude that a material uncertainty exists, we are
     menyimpulkan bahwa terdapat suatu ketidakpastian              required to draw attention in our auditors' report to
     material, kami diharuskan untuk menarik perhatian             the related disclosures in the consolidated financial
     dalam laporan auditor kami ke pengungkapan terkait            statements or, if such disclosures are inadequate, to
     dalam laporan keuangan konsolidasian atau, jika               modify our opinion. Our conclusions are based on
     pengungkapan tersebut tidak memadai, harus                    the audit evidence obtained up to the date of our
     menentukan apakah perlu untuk memodifikasi opini              auditors ' report. However, future events or
     kami. Kesimpulan kami didasarkan pada bukti audit             conditions may cause the Group to cease to continue
     yang diperoleh hingga tanggal laporan auditor kami .          as a going concern.
     Namun, peristiwa atau kondisi masa depan dapat
     menyebabkan Grup tidak dapat mempertahankan
     kelangsungan usaha.

•    Mengevaluasi penyajian, struktur, dan isi laporan        •    Evaluate the overall presentation, structure and
     keuangan konsolidasian secara keseluruhan, termasuk           content of the consolidated financial statements,
     pengungkapannya, dan apakah laporan keuangan                  including the disclosures, and whether the
     konsolidasian mencerminkan transaksi dan peristiwa            consolidated financial statements represent the
     yang mendasarinya dengan suatu cara yang mencapai             underlying transactions and events in a manner that
     penyajian wajar.                                              achieves fair presentation.

•    Memeroleh bukti audit yang cukup dan tepat terkait       •    Obtain sufficient appropriate audit evidence
     informasi keuangan entitas atau aktivitas bisnis dalam        regarding the financial information of the entities or
     Grup untuk menyatakan opini atas laporan keuangan             business activities within the Group to express an
     konsolidasian. Kami bertanggung jawab atas arahan,            opinion on the consolidated financial statements. We
     supervisi, dan pelaksanaan audit grup. Kami tetap             are responsible for the direction, supervision and
     bertanggung jawab sepenuhnya atas opini audit kami.           performance of the group audit. We remain solely
                                                                   responsible for our audit opinion.

Kami mengomunikasikan kepada pihak yang bertanggung           We communicate with those charged with governance
jawab atas tata kelola mengenai, antara lain, ruang lingkup   regarding, among other matters, the planned scope and
dan saat yang direncanakan atas audit, serta temuan audit     timing of the audit and significant audit findings,
signifikan, termasuk setiap defisiensi signifikan dalam       including any significant deficiencies in internal control
pengendalian internal yang teridentifikasi oleh kami selama   that we identify during our audit.
audit.

Kami juga memberikan suatu pernyataan kepada pihak yang       We also provide those charged with governance with a
bertanggung jawab atas tata kelola bahwa kami telah           statement that we have complied with relevant ethical
mematuhi ketentuan etika yang relevan mengenai                requirements regarding independence, and communicate
independensi, dan mengomunikasikan seluruh hubungan,          with them all relationships and other matters that may
serta hal-hal lain yang dianggap secara wajar berpengaruh     reasonably be thought to bear on our independence, and
terhadap independensi kami, dan, jika relevan, pengamanan     where applicable, related safeguards.
terkait.
Page 155
Dari hal-hal yang dikomunikasikan kepada pihak yang             From the matters communicated with those charged with
bertanggungjawab atas tata kelola, kami menentukan hal-         governance, we determine those matters that were of most
hal tersebut yang paling signifikan dalam audit atas laporan    significance in the audit of the consolidated financial
keuangan konsolidasian periode kini dan oleh karenanya          statements of the current period and are therefore the key
menjadi ha! audit utama. Kami menguraikan ha! audit utama       audit matters. We describe these matters in our auditors'
dalam laporan auditor kami, kecuali peraturan perundang-        report unless law or regulation precludes public
undangan melarang pengungkapan publik tentang ha!               disclosure about the matter or when, in extremely rare
tersebut atau ketika, dalam kondisi yang sangatjarang           circumstances, we determine that a matter should not be
terjadi, kami menentukan bahwa suatu ha! tidak boleh            communicated in our report because the adverse
dikomunikasikan dalam laporan kami karena konsekuensi           consequences of doing so would reasonably be expected
merugikan dari mengomunikasikan ha! tersebut akan               to outweigh the public interest benefits of such
diekspektasikan secara wajar melebihi manfaat kepentingan       communication.
publik atas komunikasi tersebut.




                                  Kantor Akuntan Publik/Registered Public Accountants
                                               Siddharta Widjaja & Rekan




                                                Harry W idjaja, S.E. , CPA
                              Izin Akuntan Publik/Public Accountant License No. AP . 1214



 15 Maret 2024                                                                                                   I 5 March 2024
Page 156

          
Page 157
                                                                                                                       2023 ANNUAL REPORT
PT Saratoga Investama Sedaya Tbk. 2023 Annual Report




                                                                                                                       PT Saratoga Investama Sedaya Tbk.
Ahead of the Curve at the Forefront of Indonesia’s Economic Transformation




                                                                             PT Saratoga Investama Sedaya Tbk.
                                                                             Menara Karya 15th Floor
                                                                             Jl. H.R. Rasuna Said Block X-5 Kav. 1-2
                                                                             Jakarta Selatan 12950
                                                                             Tel : +62 21 5794 4355
                                                                             Fax : +62 21 5794 4365
                                                                             www.saratoga-investama.com

98

File

File Open PDF
Source IDX
Size4.76 MB
Published3 Apr 2024
Pages157
Characters992,524
Text sourceEmbedded text layer
OCR confidence—

Names mentioned 190 people and organisations named in the text · linked when the evidence is strong

linked org ADARO ENERGY INDONESIA p.6 ×54
linked org MITRA PINASTHIKA MUSTIKA p.6 ×39
linked org SAMATOR INDO GAS p.6 ×15
linked org PROVIDENT INVESTASI BERSAMA p.6 ×25
linked org NUSA RAYA CIPTA p.6 ×6
linked org Merdeka Battery Materials Tbk p.6 ×2
linked org Adaro Energy Tbk. p.8 ×4
linked org Famon Awal Bros Sedaya Tbk. p.9 ×4
linked person EDWIN SOERYADJAYA · Presiden Komisaris p.16 ×25
linked org International Finance p.17
linked person MICHAEL W. P. SOERYADJAYA p.19 ×6
linked person DEVIN WIRAWAN · Direktur p.22 ×9
linked person INDRA CAHYA UNO · Komisaris p.29 ×14
linked person SIDHARTA UTAMA p.29 ×12
linked person ANANGGA W. ROOSDIONO · Commissioner p.29 ×15
linked person ARIA KANAKA · Anggota p.29 ×2
linked person HANY GUNGORO · Anggota p.29 ×2
linked person HANDIANTO GANIS p.29
linked person LILY HERAWATI p.29
linked org Astra International p.30
linked — Sandiaga Salahuddin Uno p.31 ×2
linked org Astra Graphia Tbk p.32 ×5
linked org PT Dharma Satya Nusantara p.33
linked org Medco Power Indonesia p.33
linked org Adaro Strategic p.47 ×8
linked org PT Bank HSBC Indonesia p.49 ×5
linked org Bank Permata Tbk p.49 ×7
linked org PT Bank DBS Indonesia p.49 ×3
linked person Lany Djuwita · Direktur p.56 ×3
linked org PT Saratoga Investama p.60
linked person Michael W.P. Soeryadjaya · Presiden Direktur p.108 ×2
linked org PT Saratoga Sentra Business p.109 ×5
linked org PT Wahana Anugerah Sejahtera p.109 ×5
possible org Saratoga Investama Sedaya Tbk p.1 ×172
possible org PT Merdeka Copper Gold p.6 ×29
possible org Merdeka Energy Tbk. p.8 ×2
possible org Provident | Indonesia p.9
possible org Tower Bersama Infrastructure Tbk. p.17 ×24
possible org PT Saratoga p.28 ×2
possible person KEMAL MAWIRA · Director p.29 ×2
possible org PT Unitras Pertama · Commissioner p.31 ×10
possible org Bukalapak Tbk. p.32 ×2
possible org PT Nugraha p.39
possible person Albert Saputro p.42
possible org Otoritas Jasa Keuangan p.108
possible org Bursa Efek Indonesia p.108
possible org Bersama Tbk p.140
unresolved org Indonesia Stock Exchange p.6 ×2
unresolved org PT Huaneng p.6
unresolved org PT Adaro p.8 ×4
unresolved org PT Agro Maju p.8
unresolved org PT Medco Power Interra Resources Finders p.8
unresolved org PT Trimitra Karya p.8
unresolved org PT Paiton Indonesia p.8
unresolved org Energy Tbk. p.8
unresolved org Natural Resources Limited p.8
unresolved org Gold Tbk. p.8 ×2
unresolved org PT Banyan Mas p.8 ×2
unresolved org PT Tri Wahana p.8
unresolved org PT Nusa Raya Infrastructure p.8
unresolved org Cipta Tbk. p.8
unresolved org Mustika Tbk. p.8
unresolved org Infrastructure Tbk. p.8 ×2
unresolved org PT Etika Karya p.8
unresolved org PT Mitra Listrik Gorontalo p.8
unresolved org Natural Resources Mustika Tbk. p.8
unresolved org PT Lintas Marga p.8 ×2
unresolved org Provident Agro Tbk. p.8 ×6
unresolved org PT Provident p.8 ×2
unresolved org Agro Tbk. p.8
unresolved org Copper Gold Tbk. p.8
unresolved org Aneka Gas Industri Tbk. p.8 ×4
unresolved org PT Mulia Bosco p.9
unresolved org PT Deltomed p.9 ×2
unresolved org PT Aneka Gas p.9
unresolved org Industri Tbk. p.9
unresolved org PT Famon Awal p.9
unresolved org PT Pulau Seroja p.9
unresolved org PT Batu Hitam p.9
unresolved org PT Famon Awal Jaya p.9
unresolved org Bros Sedaya Tbk. p.9
unresolved org PT Medco Power p.9
unresolved org Indonesia Agro Tbk. p.9
unresolved org PT Zulu Alpha Papa p.17 ×2
unresolved org PT Mulia Bosco Logistik p.17 ×2
unresolved org PT Merdeka Copper p.20
unresolved org PT Mitra Pinasthika p.20
unresolved org Business Outlook Mustika Tbk. p.20
unresolved org PT Huaneng Metal Industry p.24
unresolved org PT ESG New Energy Material p.24
unresolved org PT Kayan p.24
unresolved person KHN p.24
unresolved org PT Kayan Patria p.24
unresolved org PT Merdeka p.24 ×2
unresolved org Battery Materials Tbk. p.24 ×2
unresolved org Amperex Co. Ltd. p.24
unresolved org KCC Glass Corporation p.25 ×2
unresolved org Annual Report Companies Bersama Digital Asia Infrastructure Pte. Ltd. p.26
unresolved org PT PCDC Propco One AtriaDC p.26
unresolved org PT Zulu Alpha Papa BDDC's p.26
unresolved org PT Xurya Daya Indonesia p.26
unresolved org Karya 15th p.28
unresolved — Investor.relations@saratoga-investama.com p.28
unresolved — Business Lines According to Articles of Association p.28
unresolved org 1. To carry on activities of holding company where p.28
unresolved org main activity is ownership and/or control of assets p.28
unresolved org 2. To carry out other management consulting activities p.28
unresolved — where the main activities (as relevant) are: p.28
unresolved — a. to provide assistance with advices, guidance p.28
unresolved — business operation and other organizational p.28
unresolved — managerial issues, such as strategic p.28
unresolved — organizational planning, decisions relating to p.28
unresolved org PT Cakrawala p.31
unresolved org PT Indivara Sejahtera Mandiri p.31
unresolved org PT TPS Consulting Indonesia p.31
unresolved person Prof. Sidharta · Commissioner p.32 ×5
unresolved org Roosdiono & Partners p.32
unresolved org Bank Indonesia p.32
unresolved org PT MGM Bosco p.33
unresolved org Energy Indonesia Tbk. p.33
unresolved org PT Samator Indo p.33
unresolved org Gas Tbk p.33
unresolved org PT Paiton Energy p.33
unresolved org Xurya Pte. Ltd. p.33
unresolved org PT Deltomed Laboratories p.33
unresolved org PT City Vision. Pepperdine University p.33
unresolved org PT UNITRAS p.34
unresolved org UNITRAS 50.00% | PERTAMA p.34
unresolved org PT Agro Maju Raya Report BHA p.35
unresolved org PT Bumi Hijau Asri CITY VISION p.35
unresolved org PT City Vision DELTOMED p.35
unresolved org PT Deltomed Laboratories FOREST CARBON p.35
unresolved org PT Hijau Energi Bersama JULO p.35
unresolved org PT Julo Teknologi Finansial Performance MBL p.35
unresolved org PT Mulia Bosco Logistik Portfolio MDKA p.35
unresolved org PT Momenta Agrikultura p.35
unresolved org Sihayo Gold Limited p.35
unresolved org PT Zulu Alpha Papa Profile Management Discussion p.35
unresolved — As of January 1, 2023 p.36 ×2
unresolved org PT Pandu Dian Pertiwi · Commissioner p.37
unresolved org PT Trimitra Utama Selaras Joyce Soeryadjaya Kerr p.37
unresolved org PT Pandu Dian Pertiwi Management p.37
unresolved org PT Trimitra Utama Selaras Report Indra Cahya Uno p.37
unresolved org PT Wahana p.39
unresolved org PT Interra Indo SUBSIDIARY p.39
unresolved org PT Wana Bhakti Sukses p.39
unresolved org PT Trimitra Karya Jaya p.39 ×2
unresolved org PT Surya Nuansa Ceria p.39 ×2
unresolved org PT Lintas Indonesia SUBSIDIARY p.39
unresolved org NOTARY KAP Siddharta Widjaja & Rekan p.39
unresolved org Siddharta Widjaja p.39
unresolved org PT Datindo Entrycom p.39
unresolved person Jose Dima Satria p.39 ×5
unresolved org Ministry of Law p.39
unresolved person Harry Widjaja p.39
unresolved — Arif Qasimi Al · Chief Financial p.42
unresolved person Mitra Pinasthika Mulia · Director p.42
unresolved org IN DIGITAL TECHNOLOGY ENTITIES Fuse B Holding Ltd. p.46
unresolved org Interra Resources Limited p.47
unresolved org PT Adaro Strategic Capital p.47 ×4
unresolved org PT Adaro Strategic Lestari. Cash p.47
unresolved org Financial Services Authority p.54
unresolved person Jose Dimas Satria p.59 ×2
unresolved org Sedaya Tbk p.60 ×2
unresolved org Minister of Law and Human Rights p.62
unresolved — Joyce S. Kerr p.63 ×4
unresolved org Pte. Ltd. p.65
unresolved org SARA TOGA INVESTAMA SEDA YA Tbk p.99 ×2
unresolved org PT Unitras Pertama. Pemegang p.108
unresolved person Joyce Soeryadjaya Kerr · Komisaris p.108 ×10
unresolved org PT Nugraha Eka Kencana p.109 ×3
unresolved org PT Bumi Hijau Asri p.109
unresolved org PT Wana Bhakti Sukses Mineral p.109 ×3
unresolved org PT Lintas Indonesia Sejahtera p.109
unresolved org PT Interra Indo Resources p.109 ×2
unresolved org PT Sukses Indonesia p.109
unresolved org PT Sarana Asri p.109
unresolved org PT Mulia Gunung Mas p.140 ×2
unresolved org PT Mulia Bosco Utama p.140 ×2
unresolved org PT Adaro Strategic Lestari p.140 ×2
unresolved org PT Mulia Gunung Mas Penghasilan p.140
unresolved org PT Mulia Bosco Utama Pendapatan p.140
unresolved org PT Adaro Strategic Lestari Bersama Digital Infrastructure Asia p.140
unresolved org Provident Investai Provident Investasi Bersama Tbk p.140 ×2
unresolved org PT DBS Indonesia p.149
unresolved org Siddharta Widjaja & Rekan p.150 ×2
unresolved org KPMG International Limited p.150

Extraction attempts how the parser did, and what it refused

Nothing structured was extracted from this document — the attempts below say why.

No extraction attempted yet.

↑↓ select ↵ open ⇧↵ see every result