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money Inter-bank call money - - Bank Tabungan Pensiunan Nasional 450,000 - Bank Tabungan Pensiunan Nasional - - Bank CTBC Indonesia 200,000 220,000 Bank CTBC Indonesia - - Bank DBS Indonesia … Bank DBS Indonesia - - Bank Pan Indonesia 150,000 - Bank Pan Indonesia - - Bank Mandiri Taspen Pos 70,000 - Bank Mandiri Taspen Pos - - Bank BPD Jawa Tengah - 300,000 Bank BPD Jawa

Bank Permata Tbk PT Bank DBS Indonesia 248.063 338.213 PT Bank DBS Indonesia Citibank N.A. (Indonesia) 144.572 143.083 Citibank N.A. (Indonesia) PT Bank Maybank Indonesia Tbk 112.722 1.844 PT Bank … Bank DBS Indonesia 612.420 457.788 PT Bank DBS Indonesia PT Bank CIMB Niaga Tbk 349.078 3.975 PT Bank CIMB Niaga Tbk PT Bank Central Asia Tbk 497.197 4.931.030 PT Bank

Chartered Bank, Indonesia 16.434 24.690 Standard Chartered Bank, Indonesia PT Bank DBS Indonesia 2.104 1.684 PT Bank DBS Indonesia Citibank N.A., Indonesia 2.094 2.094 Citibank N.A., Indonesia PT Bank … Bank Syariah Indonesia PT Bank OCBC NISP Tbk 133.313 9.600.407 PT Bank OCBC NISP Tbk PT Bank DBS Indonesia 74.515 574.375 PT Bank DBS Indonesia PT Bank Sinarmas

bank Cash in banks Pihak ketiga Third parties Rupiah Rupiah PT Bank Permata Tbk PT Bank Permata Tbk Permata 5.885 38.308 ("Permata") MUFG Bank Ltd. ("MUFG") 217 1.478 MUFG Bank … Ltd. ("MUFG") PT Bank BTPN Tbk 518 5 PT Bank Tabungan Pensiunan OCBC 372 6.715 OCBC PT Bank Central Asia Tbk 1.137 1.170 PT Bank Central Asia Tbk PT Bank

Bank Danamon Indonesia Tbk PT Bank Maybank Indonesia Tbk 4.904.924.819 11.195.136.110 PT Bank Maybank Indonesia Tbk PT Bank BTPN Tbk 2.219.220.841 555.070.553 PT Bank BTPN Tbk PT Bank OCBC NISP … Desember 2022) 11.221.890.108 3.427.966.908 December 31, 2022) DBS Bank Ltd, Singapura DBS Bank Ltd, Singapore (USD 231.230 tanggal (USD 231,230 as at 30 September 2023 dan September

DBS Bank Ltd. Standard Chartered Bank 36.064.840 53.160.057 Standard Chartered Bank PT Bank UOB Indonesia 30.691.995 340.745.036 PT Bank UOB Indonesia United Overseas Bank Ltd. 22.083.290 - United Overseas Bank Ltd … Bank UOB Tbk. (“Bank BNI”), PT Bank UOB Indonesia (“UOB”), Indonesia (“UOB”), PT Bank DBS Indonesia (“DBS”) PT Bank DBS Indonesia (“DBS”) and PT Bank KB and PT Bank

Bank Danamon Indonesia Tbk PT Bank Maybank Indonesia Tbk 4.904.924.819 11.195.136.110 PT Bank Maybank Indonesia Tbk PT Bank BTPN Tbk 2.219.220.841 555.070.553 PT Bank BTPN Tbk PT Bank OCBC NISP … Desember 2022) 11.221.890.108 3.427.966.908 December 31, 2022) DBS Bank Ltd, Singapura DBS Bank Ltd, Singapore (USD 231.230 tanggal (USD 231,230 as at 30 September 2023 dan September

Outlook Stable Bank 23,458,500 0.31% Foreign Long Term Bank Deposits Baa2 Union 377,359 0.01% Local Long Term Bank Deposits Baa2 Moody's Baseline Credit Assessment Other institution … Sarina.Lesmina@clsa.com 7 Credit Suisse Hanel Topada hanel.topada@credit-suisse.com 8 Danareksa Sekuritas Eka Savitri Eka.Savitri@danareksa.com 9 DBS Bank Rui Wen Lim ruiwenlim@dbs.com 10 Goldman Sachs Melissa Kuang Melissa.kuang@gs.com 11 HSBC Singapore Weldon

Bank DBS Indonesia 1.800.543.608 1.885.703.218 PT Bank DBS Indonesia PT Bank Of Tokyo Mitsubishi UFJ, Ltd 2.915.692.369 2.560.845.069 PT Bank Of Tokyo Mitsubishi UFJ, Ltd PT Bank Permata Syariah … Bank Index Selindo Shinhan Bank Co., Ltd - 2.351.211 Shinhan Bank Co., Ltd PT Bank Ina Perdana Tbk - 2.575.245 PT Bank Ina Perdana Tbk PT Bank Panin

Bank Permata Tbk PT Bank OCBC NISP Tbk 63,542 205,067 PT Bank OCBC NISP Tbk DBS Bank Ltd 62,699 174,471 DBS Bank Ltd PT Bank Maybank … Bank BTPN Tbk 57,000 - PT Bank BTPN Tbk PT Bank UOB Indonesia 50,000 - PT Bank UOB Indonesia DBS Bank Ltd 40,000 - DBS Bank Ltd

Bank Loans Interest Information - General Industry 30 September 2023 Catatan untuk utang bank jangka panjang Notes for long-term bank loan Utang bank, nilai dalam Jatuh tempo utang bank Bunga … Catatan untuk utang bank jangka panjang Notes for long-term bank loan Utang bank, nilai dalam Jatuh tempo utang bank Bunga utang bank Jenis bunga utang bank mata uang asing

Bank DBS Indonesia Bank MNC International 148.400 111.300 Bank MNC International Bank Nationalnobu 50.000 - Bank Nationalnobu Bank Jtrust Indonesia 25.178 - Bank Jtrust Indonesia Bank BJB 13.000 162.892 Bank BJB Bank … China Development Bank 1.020.676 1.043.591 China Development Bank Deutshe Bank 758.271 1.034.427 Deutshe Bank Bank Mayapada 441.383 446.803 Bank Mayapada Bank BJB 411.926 149.235 Bank BJB Marymount Road Limited

Bank DBS Indonesia 1.800.543.608 1.885.703.218 PT Bank DBS Indonesia PT Bank Of Tokyo Mitsubishi UFJ, Ltd 2.915.692.369 2.560.845.069 PT Bank Of Tokyo Mitsubishi UFJ, Ltd PT Bank Permata Syariah … Bank Index Selindo Shinhan Bank Co., Ltd - 2.351.211 Shinhan Bank Co., Ltd PT Bank Ina Perdana Tbk - 2.575.245 PT Bank Ina Perdana Tbk PT Bank Panin

Bank of China Ltd, PT Bank Pan Indonesia Tbk, PT Bank OCBC NISP Tbk, Bank of China Ltd, PT Bank Permata Indonesia Tbk, PT Bank QNB PT Bank Pan Indonesia … Bank of China Ltd, PT Bank Pan Indonesia Tbk, PT Bank OCBC NISP Tbk, Bank of China Ltd, PT Bank Permata Indonesia Tbk, PT Bank QNB PT Bank Pan Indonesia

Rupiah Bank Indonesia 1.254.395 1.493.116 Bank Indonesia Bank Mandiri 131.000 95.000 Bank Mandiri Bank Mayapada Internasional 125.000 - Bank Mayapada Internasional Bank Jabar Banten 53.800 252.900 Bank Jabar Banten Bank … Utang bank Bank loans Bank Mayapada 1.647.092 1.622.101 Bank Mayapada Bank Sinarmas 400.000 400.000 Bank Sinarmas Bank DBS Indonesia 200.000 - Bank DBS Indonesia Bank Nationalnobu 50.000 - Bank Nationalnobu Bank Jtrust

subsidiary, entered into a loan menandatangani perjanjian fasilitas bank dengan agreement with DBS Bank Ltd (“DBS”), The Loan DBS Bank Ltd (“DBS”), Perjanjian tersebut telah agreement has been amended … unless otherwise stated) kecuali dinyatakan lain) 16. UTANG BANK (lanjutan) 16. BANK LOANS (continued) DBS Bank Ltd (lanjutan) DBS Bank Ltd (continued) Fasilitas tersebut dikenakan biaya tahunan sebesar The facilities

Total utang bank, kotor Total utang bank, kotor mata uang asing mata uang asing Bank loan, amount in Bank loan, amount in Total bank loans, gross Total bank loans, gross … Catatan untuk utang bank jangka panjang Notes for long-term bank loan Utang bank, nilai dalam Jatuh tempo utang bank Bunga utang bank Jenis bunga utang bank mata uang asing

Rupiah Bank Indonesia 1.254.395 1.493.116 Bank Indonesia Bank Mandiri 131.000 95.000 Bank Mandiri Bank Mayapada Internasional 125.000 - Bank Mayapada Internasional Bank Jabar Banten 53.800 252.900 Bank Jabar Banten Bank … Utang bank Bank loans Bank Mayapada 1.647.092 1.622.101 Bank Mayapada Bank Sinarmas 400.000 400.000 Bank Sinarmas Bank DBS Indonesia 200.000 - Bank DBS Indonesia Bank Nationalnobu 50.000 - Bank Nationalnobu Bank Jtrust

Bank DBS Indonesia 3.710.849 11.390.735 PT Bank DBS Indonesia PT Bank Mandiri (Persero) Tbk 21.946.416 5.794.845 PT Bank Mandiri (Persero) Tbk PT Bank Central Asia Syariah 8.200.286 4.036.307 PT Bank … NISP Tbk PT Bank DBS Indonesia - 72.456.671 PT Bank DBS Indonesia PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia (Persero) Tbk 5.488.672 7.003.756 (Persero) Tbk PT Bank Central Asia

Bank HSBC Indonesia Standard Chartered Bank 214 215 Standard Chartered Bank United Overseas Bank Ltd., Singapore 104 -- United Overseas Bank Ltd., Singapore HSBC Bank (Singapore) Ltd., Singapore -- 250 HSBC Bank … Bank HSBC 2022, PT Bank HSBC Indonesia, PT Bank BNP Paribas Indonesia, PT Bank BNP Paribas Indonesia, MUFG Indonesia, MUFG Bank Ltd. and PT Bank Mizuho Bank Ltd

Fasilitas Rekening Koran dan Bank d. Overdraft and Bank Guarantee/L/C/PN Garansi/L/C/Kredit PN – PT Bank Resona Credit facility – PT Bank Resona Perdania Perdania (“Bank Resona”) (“Bank Resona”) Pada tanggal 30 September … Bank Mandiri (Persero) in PT Bank Mandiri (Persero) Tbk. Tbk. PT Bank Tabungan Pensiun Nasional Tbk PT Bank Tabungan Pensiun Nasional Tbk (“Bank BTPN”) (“Bank BTPN”) Pada bulan Desember

Bank Mandiri (Persero) Tbk 85 35 PT Bank Mandiri (Persero) Tbk PT Bank Permata Tbk 17 18 PT Bank Permata Tbk PT Bank DBS Indonesia 10 10 PT Bank DBS … Century Technology Ltd. PT Bank Permata Tbk (PERMATA) - 25.710 PT Bank Permata Tbk (PERMATA) PT Bank Danamon Indonesia Tbk (DANAMON) - 8.473 PT Bank Danamon Indonesia Tbk (DANAMON) Jumlah

unless otherwise stated) 14. UTANG BANK JANGKA PENDEK (Lanjutan) 14. SHORT-TERM BANK LOANS (Continued) PT Bank OCBC NISP Tbk – Pinjaman Bank Jangka PT Bank OCBC NISP Tbk – Short-Term … point twenty five). 19. PINJAMAN BANK JANGKA PANJANG (Lanjutan) 19. LONG-TERM BANK LOANS (Continued) PT Bank OCBC NISP Tbk – Pinjaman Bank Jangka PT Bank OCBC NISP Tbk – Long-Term

Bank Central Asia Tbk. (“BCA”) Rp - 175 - 80 US$ 0 3 0 3 DBS Bank (Hong Kong) Ltd. ("DBS Hong Kong") US$ 20 308 - - HKD 0 0 0 0 Standard … parties PT Bank HSBC Indonesia ("HSBC") 3,121 1,836 MUFG Bank ("MUFG") 2,009 1,349 Bank of China 1,000 - PT Bank DBS Indonesia ("DBS

Bank Central Asia Tbk. (“BCA”) Rp - 175 - 80 US$ 0 3 0 3 DBS Bank (Hong Kong) Ltd. ("DBS Hong Kong") US$ 20 308 - - HKD 0 0 0 0 Standard … Pihak ketiga PT Bank HSBC Indonesia ("HSBC") 3.121 1.836 MUFG Bank ("MUFG") 2.009 1.349 Bank of China 1.000 - PT Bank DBS Indonesia ("DBS") 476 475 UOB Indonesia 350 - Lain-lain

Term Bank Loans - Infrastructure Industry Catatan untuk utang bank jangka panjang Notes for long-term bank loan 30 September 2023 31 December 2022 Utang bank, nilai dalam Utang bank, nilai … Total utang bank, kotor Total utang bank, kotor mata uang asing mata uang asing Bank loan, amount in Bank loan, amount in Total bank loans, gross Total bank loans, gross

Bank Central Asia Tbk. United Overseas Bank United Overseas Bank Limited, Singapura 6.829 6.941 Limited, Singapore DBS Bank Ltd., Singapura 4.711 4.929 DBS Bank Ltd., Singapore PT Bank … this facility. Jaminan bersama United Overseas Bank Limited, Shared security United Overseas Bank Limited, Singapura dan DBS Bank Limited, Singapura Singapore and DBS Bank Limited, Singapore Perjanjian Tambahan pada tanggal

Term Bank Loans - Infrastructure Industry Catatan untuk utang bank jangka panjang Notes for long-term bank loan 30 September 2023 31 December 2022 Utang bank, nilai dalam Utang bank, nilai … Total utang bank, kotor Total utang bank, kotor mata uang asing mata uang asing Bank loan, amount in Bank loan, amount in Total bank loans, gross Total bank loans, gross

unless otherwise stated) 14. UTANG BANK JANGKA PENDEK (Lanjutan) 14. SHORT-TERM BANK LOANS (Continued) PT Bank OCBC NISP Tbk – Pinjaman Bank Jangka PT Bank OCBC NISP Tbk – Short-Term … unless otherwise stated) 19. PINJAMAN BANK JANGKA PANJANG (Lanjutan) 19. LONG-TERM BANK LOANS (Continued) PT Bank OCBC NISP Tbk – Pinjaman Bank Jangka PT Bank OCBC NISP Tbk – Long-Term

utang bank jangka panjang (Bank HSBC Indonesia, Bank BPTN Tbk, dan Bank DBS Indonesia), maupun utang bank jangka pendek (Bank DBS Indonesia, Bank BPTN Tbk, Bank UOB Indonesia, Bank Negara … Bank Mandiri (Persero) Tbk, PT Bank HSBC Indonesia, dan Bank CTBC) yang menggunakan suku bunga mengambang. Eksposur risiko nilai wajar terutama timbul dari utang bank jangka panjang (PT Bank DBS

utang bank jangka pendek Notes for short-term bank loans 30 September 2023 31 December 2022 Utang bank jangka Utang bank jangka pendek, nilai dalam mata Utang bank jangka pendek … nilai dalam mata Utang bank jangka pendek uang asing uang asing Short-term bank loan, Short-term bank loan, Short term bank loans Short term bank loans amount in foreign

obtained a bank loan facility from bank dari PT Bank Permata Tbk dengan rincian PT Bank Permata Tbk with the following details: fasilitas sebagai berikut: Jenis Fasilitas Bank Guarantee Facility … condition to Bank Mandiri. Bank kondisi ini ke Bank Mandiri. Bank Mandiri telah Mandiri has accepted and administered the menerima dan mengadministrasikan pemberitahuan notification. tersebut. PT Bank Central Asia

Bank Permata Tbk PT Bank DBS Indonesia 248.063 338.213 PT Bank DBS Indonesia Citibank N.A. (Indonesia) 144.572 143.083 Citibank N.A. (Indonesia) PT Bank Maybank Indonesia Tbk 112.722 1.844 PT Bank … Bank DBS Indonesia 612.420 457.788 PT Bank DBS Indonesia PT Bank CIMB Niaga Tbk 349.078 3.975 PT Bank CIMB Niaga Tbk PT Bank Central Asia Tbk 497.197 4.931.030 PT Bank

Bank DBS Indonesia 789.839.937 1.951.252.126 PT Bank DBS Indonesia PT Bank HSBC Indonesia 316.168.767 1.530.319.230 PT Bank HSBC Indonesia PT Bank CIMB Niaga Tbk 1.389.135.079 314.150.611 PT Bank CIMB Niaga … Bank HSBC Indonesia 717.615.621 323.339.557 PT Bank HSBC Indonesia PT Bank DBS Indonesia 3.084.131.879 39.203.540 PT Bank DBS Indonesia PT Bank OCBC NISP Tbk 2.239.926 2.533.792 PT Bank OCBC NISP

Fasilitas Rekening Koran dan Bank d. Overdraft and Bank Guarantee/L/C/PN Garansi/L/C/Kredit PN – PT Bank Resona Credit facility – PT Bank Resona Perdania Perdania (“Bank Resona”) (“Bank Resona”) Pada tanggal 30 September … Bank Mandiri (Persero) in PT Bank Mandiri (Persero) Tbk. Tbk. PT Bank Tabungan Pensiun Nasional Tbk PT Bank Tabungan Pensiun Nasional Tbk (“Bank BTPN”) (“Bank BTPN”) Pada bulan Desember

Bank DBS Indonesia Bank MNC International 148.400 111.300 Bank MNC International Bank Nationalnobu 50.000 - Bank Nationalnobu Bank Jtrust Indonesia 25.178 - Bank Jtrust Indonesia Bank BJB 13.000 162.892 Bank BJB Bank … China Development Bank 1.020.676 1.043.591 China Development Bank Deutshe Bank 758.271 1.034.427 Deutshe Bank Bank Mayapada 441.383 446.803 Bank Mayapada Bank BJB 411.926 149.235 Bank BJB Marymount Road Limited

Bank DBS Indonesia PT Bank BTPN Tbk 20.931 787 PT Bank BTPN Tbk PT Bank Central Asia Tbk 20.318 30.706 PT Bank Central Asia Tbk PT Bank OCBC NISP … Bank Danamon Indonesia Tbk PT Bank Hana 77.630 - PT Bank Hana PT Bank DBS Indonesia - 314.620 PT Bank DBS Indonesia 477.612 560.024 Kas dan setara kas 1.592.222 1.998.974 Cash

dari DBS Bank Ltd., Oversea-Chinese Banking Corporation Ltd. dan DBS Bank Ltd., Oversea-Chinese Banking Corporation Ltd. and PT PT Bank OCBC NISP Tbk (Catatan 16). Bank OCBC NISP … DBS Bank Ltd., Oversea-Chinese Banking Corporation obtained from DBS Bank Ltd., Oversea-Chinese Banking Corporation Ltd. dan PT Bank OCBC NISP Tbk (Catatan 16). Ltd. and PT Bank OCBC

Bank Loans - General Industry Catatan utang bank jangka pendek Notes for short-term bank loans 30 September 2023 31 December 2022 Utang bank jangka Utang bank jangka Utang bank jangka … bank jangka pendek pendek, nilai dalam pendek uang asing mata uang asing Short-term bank loan, Short-term bank loan, Short term bank loans amount in foreign Short term bank

Bank HSBC Indonesia Standard Chartered Bank 214 215 Standard Chartered Bank United Overseas Bank Ltd., Singapore 104 -- United Overseas Bank Ltd., Singapore HSBC Bank (Singapore) Ltd., Singapore -- 250 HSBC Bank … Bank HSBC 2022, PT Bank HSBC Indonesia, PT Bank BNP Paribas Indonesia, PT Bank BNP Paribas Indonesia, MUFG Indonesia, MUFG Bank Ltd. and PT Bank Mizuho Bank Ltd

unless otherwise stated) 14. UTANG BANK JANGKA PENDEK (Lanjutan) 14. SHORT-TERM BANK LOANS (Continued) PT Bank OCBC NISP Tbk – Pinjaman Bank Jangka PT Bank OCBC NISP Tbk – Short-Term … unless otherwise stated) 19. PINJAMAN BANK JANGKA PANJANG (Lanjutan) 19. LONG-TERM BANK LOANS (Continued) PT Bank OCBC NISP Tbk – Pinjaman Bank Jangka PT Bank OCBC NISP Tbk – Long-Term

Banking Group Ltd 46.959.950 71.959.950 Group Ltd DBS Bank Ltd 39.681.725 16.428.586 DBS Bank Ltd Standard Chartered Bank - Cabang Standard Chartered Bank - Singapore Singapura 28.440.789 27.965.590 Branch Bank … Bank N.V., Cabang Bank N.V., Singapore Branch, DBS Bank Ltd., Singapura, DBS Bank Ltd., Morgan Stanley Morgan Stanley Senior Funding Inc., MUFG Senior Funding Inc., MUFG Bank, Ltd., dan Bank

fasilitas bank garansi relation to bank guarantee facility to PT Bank Rakyat pada PT Bank Rakyat Indonesia (Persero) Tbk dan Indonesia (Persero) Tbk and PT Bank Mandiri PT Bank Mandiri … bank bank garansi dari PT Bank Mandiri (Persero) Tbk guarantee facility obtained from PT Bank Mandiri dan PT Bank Rakyat Indonesia untuk tahun 2023 (Persero) Tbk and PT Bank Rakyat

Bank DKI 203.753 91.464 PT Bank DKI PT Bank HSBC Indonesia 200.000 600.000 PT Bank HSBC Indonesia PT Bank DBS Indonesia 125.000 200.000 PT Bank DBS Indonesia PT Bank Hibank … Bank UOB, Bank have unused loan facility from Bank UOB, HSBC, OCBC, BTPN, Bank Mandiri, Bank Bank HSBC, OCBC, BTPN, Bank Mandiri, Danamon, MUFG, Bank Panin, BCA, Bank Bank Danamon

Bank Central Asia Tbk PT Bank DBS Indonesia - 5.374 PT Bank DBS Indonesia PT Bank Danamon Indonesia Tbk - 1.396 PT Bank Danamon Indonesia Tbk Euro Euro PT Bank DBS Indonesia … Standard Chartered Bank, Standard Chartered Bank, Cabang Indonesia 51 24 Indonesia Branch Dolar Singapura Singapore Dollar DBS Bank Ltd., Singapore 264 50 DBS Bank Ltd., Singapore Subtotal 47.535 40.781 Subtotal

DBS Bank Ltd., Far Eastern Co., Ltd., DBS Bank Ltd., Far Eastern International Bank, International Bank, Ltd, First Commercial Bank, The Gunma Ltd, First Commercial Bank, The Gunma Bank, Ltd … Business Bank, Ltd., The Higo Bank, Ltd., The Joyo Bank, Higo Bank, Ltd., The Joyo Bank, Ltd., The Shiga Bank, Ltd., Ltd., The Shiga Bank, Ltd., and The Bank

Bank Central Asia Tbk PT Bank DBS Indonesia - 5.374 PT Bank DBS Indonesia PT Bank Danamon Indonesia Tbk - 1.396 PT Bank Danamon Indonesia Tbk Euro Euro PT Bank DBS Indonesia … Standard Chartered Bank, Standard Chartered Bank, Cabang Indonesia 51 24 Indonesia Branch Dolar Singapura Singapore Dollar DBS Bank Ltd., Singapore 264 50 DBS Bank Ltd., Singapore Subtotal 47.535 40.781 Subtotal

financing pendanaan activities Penerimaan pinjaman bank 170,432 348,511 Proceeds from bank loans Pembayaran pinjaman bank ( 376,873 ) ( 47,534 ) Payments of bank loans Penerimaan pinjaman lainnya Proceeds from … Bank Loans - General Industry Catatan utang bank jangka pendek Notes for short-term bank loans 30 September 2023 31 December 2022 Utang bank jangka Utang bank jangka Utang bank jangka

DBS Bank Ltd. Standard Chartered Bank 36.064.840 53.160.057 Standard Chartered Bank PT Bank UOB Indonesia 30.691.995 340.745.036 PT Bank UOB Indonesia United Overseas Bank Ltd. 22.083.290 - United Overseas Bank Ltd … Bank UOB Tbk. (“Bank BNI”), PT Bank UOB Indonesia (“UOB”), Indonesia (“UOB”), PT Bank DBS Indonesia (“DBS”) PT Bank DBS Indonesia (“DBS”) and PT Bank KB and PT Bank

Mandiri (Persero) Tbk. (?Bank Mandiri?), PT Bank Negara Indonesia (Persero) Tbk. (?Bank BNI?), PT Bank UOB Indonesia (?UOB?), PT Bank DBS Indonesia (?DBS?) and PT Bank KB Bukopin … untuk utang bank jangka panjang Notes for long-term bank loan Utang bank, nilai dalam Jatuh tempo utang bank Bunga utang bank jangka Jenis bunga utang bank mata uang asing