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conditions. monitor market developments. This will enable it to create a sustainable and profitable business model for both clients Meanwhile, for the bond market, overall interest rates seem … shareholders have the opportunity to ask questions or Articles of Association of the Bank. express opinions related to the discussion of the item on the agenda of the Meeting

Human Capital Director Closing On this occasion, the Board of Directors would like to express its highest appreciation to all customers and stakeholders for the trust and support given … reputation as a leading financial institution. The Board of Directors would also like to express our thanks to the Board of Commissioners for their important role and cooperation in providing

acceptable risk limits and remain Owned Enterprises State Number PER-7/MBU/09/2022 of 2022 profitable. concerning Amendments to the Regulation of the Minister of State-Owned Enterprises Number … addition to audit activities, the Internal Audit Work Unit carries and reporting to express their views and thoughts without influence out early detection (early warning signal) of potential risks

Cardig International Support (2017-2020). • Director of Finance and Corporate Affairs, PT Cardig Express Nusantara Nurmaria Sarosa (2020-2021). • Direktur Eksekutif PT Selaras Logistik Indonesia (2021-2022). Komisaris Independen • Komisaris … Desember 205 CNBC Individual Jakarta Nasional The Year 2023 CNBC Indonesia Awards: Most Profitable 13 Desember 206 CNBC Banking Jakarta Nasional Bank with Best GCG 2023 Digital Banking Awards

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

oleh karena itu, kami tidak akan cover the other information and we will not express menyatakan bentuk keyakinan apapun atas informasi any form of assurance conclusion thereon. lain tersebut. Imelda … same time the Company can still Perseroan. Direktorat Manajemen Risiko yang berperan be profitable. Risk Management Directorate is playing an secara aktif dalam mengkoordinasikan tindakan-tindakan active role in coordinating

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

Closing Menutup penyampaian laporan ini, Dewan Komisaris Closing this report, the Board of Commissioners express its menyampaikan apresiasi dan ucapan terima kasih sebagai appreciation and gratitudes as a form … Atas nama BWS, kami memberikan apresiasi dan ucapan terima On behalf of BWS, we express our appreciation and gratitude to kasih kepada Mochamad Tri Budiono atas dedikasi dan kontribusi Mochamad

principles with the aim and belief that this will 1. The right to attend, express opinions and vote at the GMS ensure the creation of overall business balance so that … Negara (Persero) Tbk 2023 Annual Report Closing The Board of Directors would like to express the highest appreciation for the trust, commitment and cooperation of all stakeholders, especially

conflict of interest on the agenda to be decided at the to ask questions, express opinions and/or submit GMS, the GMS shall be chaired by a member of the Board … request power of attorney to represent the shareholders. The the right to ask questions, express opinions and/or submit power of attorney can be accessed through the Company’s suggestions website

Freedom to become a member of the BTN Workers Union; b. Freedom to express aspirations through the Bank Labor Union; and c. Freedom to gather in BTN Labor Union activities … done reconciling bills managed by anytime and anywhere. managers . Media for submitting complaints Profitable Filing complaints to the residence Economic benefits for residence manager quickly. developers/managers . Paying housing maintenance fees

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

Berdasarkan susunan pemegang saham Perseroan per 31 Januari 2024 yaitu: Nama Jumlah saham % Express Profitable 6.720.000.000 21,104% Roulette Capital 2.967.658.727 9,32% PT Dwina Natura

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

Board of Directors, we would like ungkapan terima kasih kepada pemegang saham yang to express our gratitude to the shareholders who have telah memberikan kepercayaan dan dukungan kepada entrusted … Banten Global Pariwara 5 5 PT Banten Global Pariwara PT Banten Mandiri Express - 1 PT Banten Mandiri Express Pada tanggal 31 Desember 2023 dan 2022, tidak ada As of December

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

Mobile Banking) and OCTO Clicks (Internet banking) Ikhtisar kinerja 2023: Fokus pada pertumbuhan yang profitable dan berkualitas REKOR LABA BERSIH TERTINGGI KREDIT YANG BERTUMBUH SEHAT PERTUMBUHAN JUMLAH NASABAH YANG KUAT … upon information, estimates and projections (the “Information”) of the Company, No representation or warranty, express or implied, is or will be made by the Company in relation

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

behalf of in the evaluation process. the management, Bank BTPN would like to express our gratitude to all levels of management and Another challenge lies in integrating sustainability into employees … stakeholder and retention of staff regulators Create New Competitive and Risk Mitigation and Regulatory Profitable Business Models Interventions There is extensive evidence on the link between Environmental and social risks

subsidiaries' entitas anak tergantung pada laba operasinya. deferred tax assets is dependent upon their profitable Manajemen berkeyakinan bahwa aset pajak tangguhan operations. Management believes that these deferred ini dapat direalisasikan … karena itu, kami tidak menyatakan bentuk cover the other information and we do not express any form of keyakinan apapun atas informasi lain tersebut. assurance conclusion thereon. Sehubungan dengan audit

deferred tax assets dimanfaatkan oleh Grup. Realisasi dari aset pajak is dependent upon their profitable operations. tangguhan Perusahaan dan entitas anak Management believes that these deferred tax tergantung pada laba … Company’s deferred tax assets is dependent upon tergantung pada laba operasinya. Manajemen their profitable operations. Management believes berkeyakinan bahwa aset pajak tangguhan di bawah that these deferred tax assets

conditions. monitor market developments. This will enable it to create a sustainable and profitable business model for both clients Meanwhile, for the bond market, overall interest rates seem … shareholders have the opportunity to ask questions or Articles of Association of the Bank. express opinions related to the discussion of the item on the agenda of the Meeting

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

subsidiaries' entitas anak tergantung pada laba operasinya. deferred tax assets is dependent upon their profitable Manajemen berkeyakinan bahwa aset pajak tangguhan operations. Management believes that these deferred ini dapat direalisasikan … karena itu, kami tidak menyatakan bentuk cover the other information and we do not express any form of keyakinan apapun atas informasi lain tersebut. assurance conclusion thereon. Sehubungan dengan audit

management. Additionally, manajemen puncak. Di samping itu, setiap tingkat each management level can express their views on manajemen memiliki kesempatan untuk menyampaikan sustainability issues through distributed questionnaires PT Bank Pembangunan … practices positively impact the hanya memiliki dampak positif terhadap lingkungan, environment and have proven profitable business values tetapi juga telah terbukti sebagai nilai bisnis yang for the Company. Additionally, bank

Board of Commissioners menyampaikan rasa hormat yang mendalam atas kepercayaan would like to express deep respect for the trust and support for dan dukungan kepada pengurus Perseroan dalam menjalankan … menentukan kredit yang berisiko tinggi careful in determining high risk loan or with fairly profitable rate. maupun dengan rate yang cukup menguntungkan. Diagram Pangsa Pasar bank bjb dibandingkan dengan Bank

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

served as sebagai Direktur di PT Pelayaran Tirtamas Express Director at PT Pelayaran Tirtamas Express (2003-2019) dan Direktur di PT Acteka (2021-2023). (2003-2019) and Director … www.temas.id VISI VISION Menjadi Perusahaan Paling Menguntungkan di Indonesia To become the most profitable company in Indonesia. MISI MISSION Menyediakan jasa pelayaran di Indonesia yang inovatif, kompetitif dan andal, serta

Leader 2023 at the Top Human In closing, the Board of Directors wishes to express Capital Awards 2023; and Best Leader Sustainability our utmost gratitude and highest appreciation to Acceleration … Mission of the Company. Stakeholders from the Indonesia Public Relation In turn, we express utmost our gratitude and Awards 2023; and Silver Winner Leasing Company for the Marketeers Youth Choice

Bank Permata Tbk dan Kepala Cabang dan Pengembangan Produk di PT Bank Prima Express. Meraih gelar Sarjana Ekonomi dari STIE Kucecwara. Meraih gelar Magister dari IPMI pada tahun … Adira Finance PT Swadharma Sarana Informatika Papan Bunga 59 Adira Finance PT Permata Express Tour & Travel Standing Pot 60 Adira Finance PT Sejahtera Mitra Solusi Standing Pot 61 Adira Finance

American Express Bank Ltd., Singapura Pendidikan dan Pelatihan (2004-2008) Direktur Manager, Regional Risk Management di Tahun 2023 Pendidikan dan pelatihan di tahun 2023, Manajemen Risiko American Express Bank … Laporan Usia/Jenis Kelamin 49 / Laki-laki Supervisor, Treasury Middle Office di Tahunan ini. American Express Bank Ltd., Jakarta Kewarganegaraan Indonesia (1998-2001) Sertifikasi Domisili Jakarta Manajemen Risiko Level 5 atau

Integrated Governance Committee also has a all work partners and other stakeholders, we express new member from an independent party, Mrs. Angelique our highest appreciation and thanks for the excellent … shareholders are given the opportunity to raise questions and/or express opinions for each raised questions and/or express agenda of the AGMS, however, none of the Shareholders or the proxies/representatives

Shareholders and Stakeholders, Kepentingan Yang Terhormat, Puji syukur kami panjatkan kehadirat Tuhan Yang We express gratitude to God Almighty for His Maha Esa, atas limpahan rahmat dan karunia- unending mercy … dengan baik dan dapat mencatatkan kinerja successfully and turn it into a profitable year positif ditengah situasi ekonomi yang penuh despite the uncertain economic climate. We dengan ketidakpastian. Dengan rasa

MTFN CAPITALINC INVESTMENT Tbk, PT SAMUEL SEKURITAS INDONESIA, PT EXPRESS PROFITABLE INVESTMENT LTD EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOL PLAZA , 2ND FLOOR WICHAMS LAY I ROAD TOWN VIRGIN ISLANDS, BRITISH … SAPX SATRIA ANTARAN PRIMA Tbk, PT PT RHB SEKURITAS INDONESIA GD EXPRESS CARRIER BHD GD EXPRESS CARRIER BHD NO.19, JALAN TANDANG MALAYSIA

Mobile Banking) and OCTO Clicks (Internet banking) Ikhtisar kinerja 2023: Fokus pada pertumbuhan yang profitable dan berkualitas REKOR LABA BERSIH TERTINGGI KREDIT YANG BERTUMBUH SEHAT PERTUMBUHAN JUMLAH NASABAH YANG KUAT … upon information, estimates and projections (the “Information”) of the Company, No representation or warranty, express or implied, is or will be made by the Company in relation

Birotika Semesta/DHL Country HR Manager (2004–2007) at PT Birotika Semesta/DHL Express Indonesia (2004–2009). Express Indonesia (2004–2009). • Personnel Manager, Indonesia and Australia di PT Omnes • Personnel Manager, Indonesia … customers carry out more business transactions. transaksi bisnis. c. Layanan trade express dan kolaborasi BBL c. Trade express services and BBL collaboration by dengan melakukan layanan pengiriman yang lebih providing

foundation of the Company’s sustainability culture. Mengejar Peduli dan Kesuksesan Berbagi Pursue for Express Care and Success Share Berjuang Demi Masa Depan Striving for the Future Gesit dan Siap … apply beneficial energy technology in a teknologi energi secara bermanfaat dalam bisnis batubara profitable and effective coal business, as well as ITM’s yang menguntungkan dan efektif, serta perkembangan