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terlebih dahulu memanjatkan puji syukur kepada Tuhan First of all, we would like to express our gratitude to God Almighty. We, Yang Maha Esa, perkenankan kami selaku Dewan Komisaris … stronger and more harapan akan adanya daya penetrasi Perseroan yang lebih kuat profitable penetration of the Company in the very promising middle to dan profitabel di segmen pasar menengah

APPRECIATION Akhir kata, kami mengucapkan Alhamdulilah karena telah In closing, we would like to express our gratitude to menjalankan fungsi pengawasan terkait dengan produk God for entrusting us with oversight … Syariah Sharia Supervisory Board Report Ungkapan terima kasih juga kami sampaikan kepada We also express our gratitude to all employees who have seluruh karyawan yang telah bekerja keras dan kepada

Nama Alamat Kota Jumlah Saham Pemilikan (%) (L/A) VANTERPOOL PLAZA , 2ND FLOOR WICHAMS 1 EXPRESS PROFITABLE INVESTMENT LTD OTHERS A 6,720,000,000 21.104 LAY I ROAD TOWN VANTERPOOL PLAZA

Emiten : PT. CAPITALINC INVESTMENT, TBK No. Nama Alamat Jumlah Kepemilikan Saham Yo 1 EXPRESS PROFITABLE INVESTMENT LTD VANTERPOOLFLAZA, 2ND FLOOR 6,720,000,000| 21.10 WICHAMS LAY | Vi 'OOL PLAZA

Penerima Manfaat Akhir dari Kepemilikan Saham Nomor Nama 1 Ibu Unice Meriati Satyono (Express Profitable Investment Ltd) 2 Ibu Unice Meriati Satyono (Roulette Capital Investment Ltd) 3 Ibu Unice Meriati … Final Beneficiaries of Share Ownership Number Name 1 Ibu Unice Meriati Satyono (Express Profitable Investment Ltd) 2 Ibu Unice Meriati Satyono (Roulette Capital Investment Ltd) 3 Ibu Unice Meriati Satyono

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

Financial Controller of Standard Chartered Bank (2008-2009) • Market Controller of American Express Bank (2004-2008) • Staff, Credit Operations & Trade Services, Management Accountant, Manager of Treasury Operations, AVP Treasury Services … loan portfolio quality, and develop hours from 09.00 to 21.00 WIB on Monday through profitable businesses. Friday, up from 09.00-18.00 WIB previously. • Introducing more loan products, implementing The number

Financial Controller of Standard Chartered Bank (2008-2009) • Market Controller of American Express Bank (2004-2008) • Staff, Credit Operations & Trade Services, Management Accountant, Manager of Treasury Operations, AVP Treasury Services … loan portfolio quality, and develop hours from 09.00 to 21.00 WIB on Monday through profitable businesses. Friday, up from 09.00-18.00 WIB previously. • Introducing more loan products, implementing The number

terlebih dahulu memanjatkan puji syukur kepada Tuhan First of all, we would like to express our gratitude to God Almighty. We, Yang Maha Esa, perkenankan kami selaku Dewan Komisaris … stronger and more harapan akan adanya daya penetrasi Perseroan yang lebih kuat profitable penetration of the Company in the very promising middle to dan profitabel di segmen pasar menengah

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

Kami, Dewan Komisaris menyampaikan apresiasi kepada We, the Board of Commissioners, would like to express our Direksi dan karyawan kami atas kegigihan mereka dalam appreciation to the Board of Directors … Corporate Banking • Manager of Corporate Finance and Corporate Banking American Express Bank Ltd (1997–1999) at American Express Bank Ltd (1997–1999) • Vice President Divisi Investasi Manajemen Aset di Badan

Experience • Senior Manager Corporate Accounts, Deutsche Bank AG (1992-1997) • Director, Corporate Banking, Bank American Express (1997) • Bank ANZ Indonesia - Executive Director (1997-1998) - Executive Director, Personal Banking (1998-1999) Muhamadian … Standard Chartered Bank, and she was assigned as the Head of Customer Experience American Express Bank. and Relations at PT Bank Commonwealth and Quality Management Implementation Head at PT Bank

depannya. tersebut menjadikan Maybank sebagai bank regional yang terus bertumbuh secara profitable, menjadi pilihan utama nasabah Maybank Indonesia: Humanising Financial Services "Bank regional terkemuka yang fokus meningkatkan nilai untuk pemangku … Kerja • Senior Manager Corporate Accounts, Deutsche Bank AG (1992-1997) • Direktur Corporate Banking, Bank American Express (1997) • Bank ANZ Indonesia - Direktur Executive (1997-1998) - Direktur Executive, Personal Banking (1998-1999) Muhamadian

menyatakan entities or business activities within the Group opini atas laporan keuangan konsolidasian. to express an opinion on the consolidated Kami bertanggung jawab atas arahan, financial statements. We are responsible … there is no primary market, in the di pasar yang paling menguntungkan most profitable market for these untuk aset atau liabilitas tersebut. assets or liabilities. Pengukuran nilai wajar aset

Board of Commissioners, we would also like Pemangku Kepentingan atas kepercayaan dan dukungannya to express our gratitude to the Shareholders, Working Partners sehingga ADHI dapat melalui tahun 2023 dengan hasil … pemasok, dan mitra usaha, Direksi mengucapkan terima kasih Board of Directors would like to express our gratitude for the atas kerja sama yang telah tercipta. cooperation that has been created

penyakit Free from pain, injury, and disease Bebas untuk mengekspresikan perilaku alaminya Free to express their natural behaviours. Bebas dari ketidaknyamanan, penganiayaan, dan penyalahgunaan Free from discomfort, mistreatment, and abuse … internal communication efforts, where employees dari upaya komunikasi internal, di mana karyawan can anonymously express concerns or issues they dapat secara anonim mengungkapkan masalah atau face, both at work

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

Annual Report, itu, kami tidak menyatakan bentuk keyakinan and accordingly, we do not express any form of apapun atas Laporan Tahunan tersebut. assurance on the Annual Report. Sehubungan dengan audit … same time the Company menguntungkan Perseroan. Divisi Manajemen Risiko can still be profitable. Risk Management Division is yang berperan secara aktif dalam playing an active role in coordinating preventive, mengkoordinasikan

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

existence. Kami melihat Perseroan memiliki prospek dan peluang We believe the Company has profitable business prospects usaha yang menguntungkan ke depannya. Sejalan dengan and opportunities in the future. In keeping … opportunities for all stakeholders to submit input 2. Memberikan kesempatan kepada seluruh pemangku and express opinions for the benefit of the Company kepentingan untuk memberikan masukan dan and open access

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

Financial Controller of Standard Chartered Bank (2008-2009) • Market Controller of American Express Bank (2004-2008) • Staff, Credit Operations & Trade Services, Management Accountant, Manager of Treasury Operations, AVP Treasury Services … loan portfolio quality, and develop hours from 09.00 to 21.00 WIB on Monday through profitable businesses. Friday, up from 09.00-18.00 WIB previously. • Introducing more loan products, implementing The number

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

regarding the financial information of the entities or business activities within the Group to express an opinion on the consolidated financial statements. We are responsible for the direction, supervision … deferred tax assets is dependent upon the Group’s capability in generating future profitable operations. Although realization is not assured, the Group believes that it is probable that these deferred

APPRECIATION Akhir kata, kami mengucapkan Alhamdulilah karena telah In closing, we would like to express our gratitude to menjalankan fungsi pengawasan terkait dengan produk God for entrusting us with oversight … Syariah Sharia Supervisory Board Report Ungkapan terima kasih juga kami sampaikan kepada We also express our gratitude to all employees who have seluruh karyawan yang telah bekerja keras dan kepada

APPRECIATION Akhir kata, kami mengucapkan Alhamdulilah karena telah In closing, we would like to express our gratitude to menjalankan fungsi pengawasan terkait dengan produk God for entrusting us with oversight … Syariah Sharia Supervisory Board Report Ungkapan terima kasih juga kami sampaikan kepada We also express our gratitude to all employees who have seluruh karyawan yang telah bekerja keras dan kepada

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

Express 110.408.941 178.950.491 CV Batavia Express CV Majestic Indonesia 71.111.800 - CV Majestic Indonesia PT Garuda Jaya Sumbar Indah 64.234.750 42.372.250 PT Garuda Jaya Sumbar Indah PT Rajawali Mas Express … Rajawali Mas Express PT Jaxx Kon Bek 36.522.200 - PT Jaxx Kon Bek PT Perintis Utama Mekar 29.855.743 - PT Perintis Utama Mekar CV Serba Lancar 29.118.600 48.960.500 CV Serba Lancar

Express 110.408.941 178.950.491 CV Batavia Express CV Majestic Indonesia 71.111.800 - CV Majestic Indonesia PT Garuda Jaya Sumbar Indah 64.234.750 42.372.250 PT Garuda Jaya Sumbar Indah PT Rajawali Mas Express … Rajawali Mas Express PT Jaxx Kon Bek 36.522.200 - PT Jaxx Kon Bek PT Perintis Utama Mekar 29.855.743 - PT Perintis Utama Mekar CV Serba Lancar 29.118.600 48.960.500 CV Serba Lancar

remain controlled within limits that are acceptable menguntungkan Perseroan. Adapun aktivitas Komite Pemantau and profitable for the Company. The activities of the Risk and Manajemen Risiko dan Mutu selama tahun … Moeslimin Singajuru sebagai Komisaris Independen. Dewan Commissioner. The Board of Commissioners would like to express Komisaris menyampaikan terima kasih kepada Bapak Yustinus its gratitude to Mr. Yustinus Prastowo

hanya sekadar mencapai bisnis yang achieving a profitable business, but also refers to the profitable, namun juga yang mengacu pada pengembangan innovation development that can enthuse innovative spirit as inovasi … stated goals and business menjadi preventif. memberikan apresiasi yang tinggi atas strategies. We express high appreciation The Company’s business dedikasi dan komitmen Manajemen dalam for the Management’s dedication

dalam Grup untuk menyatakan opini atas laporan business activities within the Group to express an keuangan konsolidasian. Kami bertanggung jawab opinion on the consolidated financial statements. We atas arahan, supervisi … market expectations so that they can mengambil langkah-langkah yang paling take the most profitable steps for the Group in a timely menguntungkan Grup secara tepat waktu. Manajemen manner. Management

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

menyatakan entities or business activities within the Group opini atas laporan keuangan konsolidasian. to express an opinion on the consolidated Kami bertanggung jawab atas arahan, financial statements. We are responsible … industry and believes that the Group will dan berkeyakinan bahwa Grup akan menjadi become profitable as more areas become mature menguntungkan dengan semakin banyak area and move into prime

following rights: 1. Hak untuk menghadiri, menyampaikan pendapat, dan 1. The right to attend, express opinions, memberikan suara dalam RUPS and vote in GMS based on one share berdasarkan satu … dapat mengambil langkah-langkah yang market expectations so that they can take the most profitable steps for paling menguntungkan Grup secara tepat waktu. Manajemen tidak the Group in a timely

Annual Report, and accordingly, we do tidak menyatakan bentuk keyakinan apapun atas Laporan not express any form of assurance on the Annual Report. Tahun tersebut. Sehubungan dengan audit kami atas … primary market, the one that is most paling menguntungkan untuk aset atau liabilitas profitable for the asset or liability. tersebut. - Teknik lain seperti analisis arus kas yang - Other techniques such

Indonesia PT Parastar Distrindo 430.078.716.492 200.168.000.553 PT Parastar Distrindo PT Ramalindo Mega Express 366.382.457.312 - PT Ramalindo Mega Express PT Sentral Niaga Anugerah - 214.226.254.473 PT Sentral Niaga Anugerah Total … Mega Express PT Ramalindo Mega Express Pada 6 Maret 2023, HAM mengadakan perjanjian dengan On March 6, 2023, HAM entered into an agreement with PT Ramalindo Mega Express sehubungan dengan

anak tergantung pada laba operasinya pada periode assets is dependent upon their future profitable mendatang. Manajemen berkeyakinan bahwa aset pajak operations. Management believes that these deferred tangguhan ini dapat direalisasikan … oleh karena itu, kami tidak not cover the other information and we do not express any menyatakan bentuk keyakinan apapun atas info rm asi lain form of assurance conclusion thereon

PEMBANGUNAN BERKELANJUTAN OUR COMMITMENT TO SUSTAINABLE DEVELOPMENT KINERJA EKONOMI YANG TUMBUH MENGUNTUNGKAN DAN BERKELANJUTAN PROFITABLE AND SUSTAINABLE ECONOMIC GROWTH PERFORMANCE TOTAL PEMBIAYAAN UNTUK PEMBIAYAAN KEGIATAN USAHA BERKELANJUTAN LOW-COST GREEN … those Presiden Direktur dan Bapak Nobuhiro Moroo sebagai Direktur. changes, we would like to express our gratitude and highest Atas perubahan tersebut, kami mengucapkan terima kasih dan appreciation

depannya. tersebut menjadikan Maybank sebagai bank regional yang terus bertumbuh secara profitable, menjadi pilihan utama nasabah Maybank Indonesia: Humanising Financial Services "Bank regional terkemuka yang fokus meningkatkan nilai untuk pemangku … Kerja • Senior Manager Corporate Accounts, Deutsche Bank AG (1992-1997) • Direktur Corporate Banking, Bank American Express (1997) • Bank ANZ Indonesia - Direktur Executive (1997-1998) - Direktur Executive, Personal Banking (1998-1999) Muhamadian

Experience • Senior Manager Corporate Accounts, Deutsche Bank AG (1992-1997) • Director, Corporate Banking, Bank American Express (1997) • Bank ANZ Indonesia - Executive Director (1997-1998) - Executive Director, Personal Banking (1998-1999) Muhamadian … Standard Chartered Bank, and she was assigned as the Head of Customer Experience American Express Bank. and Relations at PT Bank Commonwealth and Quality Management Implementation Head at PT 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

informasi lain, dan oleh karena itu, kami tidak offier information, and we will not express any fonn of menyatakan bentuk keyakinan apapun atas Laporan assurance on the Annual Repott thereon … mata uang yang cukup. currency reserves. • Memaksimalkan penggunaan lindung nilai • Maximizing the use of profitable natural alamiah yang menguntungkan sebanyak hedging as much as possible the natural mungkin off-setting

dedikasinya untuk tidak hanya mempertahankan bisnis yang only to maintaining an efficient and profitable business but efisien dan menguntungkan namun juga memastikan perilaku also to ensuring ethical behavior and accountability … mengucapkan terima kasih dan penghargaan behalf of the Board of Directors, we wish to express our sebesar-besarnya kepada seluruh karyawan atas dedikasi profound gratitude and appreciation

lain dalam kondisi yang tidak entity under conditions that are not menguntungkan bagi penerbit. profitable for issuers. b) Jika instrumen akan atau dapat b) If the instrument will … Annual Report, and accordingly, tidak menyatakan bentuk keyakinan apapun atas Laporan we do not express any form of assurance on the Annual Tahunan tersebut. Report. Sehubungan dengan audit kami atas