Product Program Factoring PT.Radana Bhaskara Finance, Tbk.pptx

Product Program Pembiayaan Factoring PT Radana Bhaskara Finance, Tbk

1. PRODUCT OFFERING RADANA FINANCE radanafinance radanafinance radanafinance

2. Does Your Company Experience....? Having Unpaid A/R With Longer Term Of Payment...? Having Difficulties In Managing Unpaid A/R....? Lack of Working Capital You are in Tight Cashflow situation Due COVID-19 Pandemic

3. We Provide Free Unpaid A/R Management We b ailout your A/R up to 90% of total invoice value We provide you with pay as you go interest rate (daily interest) We provide you with fast approval *after completion & verification document We provide 2 days advanced disbursement process* Introducing DANA OPTIMA Is a non-collateral factoring financing especially designed for you which mainly provides you with fast disbursement process for smooth cash flow.

4. Product Program Factoring 50 % 50 % TMT Group Timur Raya Group Group Company BUMN Public Company Multinational Company Anchor Company

5. PT.Maha Dasha Utama PT.ABM Investama , Tbk PT.Trakindo Utama PT Trakindo Utama & PT Wargi Santosa TMT Group Company PT ABM Investama, Tbk 1 PT Reswara Minergi Hartama   - PT Tunas Inti Abadi   - PT Media Djaya Bersama   - PT Mifa Bersaudara   - PT Bara energi Lestari 2 PT Cipta Kridatama 3 PT Cipta Kridatama Bahari   - PT Baruna Dirga Dharma   - PT Alfa Trans Raya   - Dianta Daya Embara   - PT Pelabuhan Buana Reja 4 PT Sanggar Sarana Baja   - PT SSB Sammitr Distribution 5 PT Anzara Janitra Nusantara   - PT Andara Candria Energi   - PT Nagata Dinamika Hidro Pongko   - PT Punggawa Nagata Dinamika Hidro   - PT NDH Madong   PT NDH Buakayu   PT Nagata Biogas Dwienergi   PT Nagata Bio Energi   - PT Nagata Dinamika 6 PT Prima Wiguna Parama PT Maha Dasha Utama 1 PT Chitra Paratama 2 PT Chakra Jawara 3 PT Mitra Solusi Telematika 4 PT Tri Swardana Utama 5 PT Triyasa Propertindo   - PT Aruna Kirana   - PT Madara Swarna   - PT Wiyasa Persada 6 PT Generasi Mutiara Bangsa   - PT Generasi Andalan Bangsa 7 PT Wiryamanta Sadina 8 PT Aroma Parama Visesa 9 PT Sonton Food Indonesia 10 PT Mega Mahadana Hadiya

6. Customer Selection Criteria No. Questions Criteria 1 Is the individual an Indonesian citizen or the company incorporated under law of Indonesia? Yes 2 Is the customer operating? Yes 3 Is the customer in the negative industry list? (Appendix 1) No 4 Satisfactory SLIK result for the last 6 months (No dpd > 90 days) Yes 5 Minimum 6 months of relationship with TMT group or Timuraya Yes

7. Customer Acceptance Criteria Tenor & Repayment Eligible AR : Max Tenor 180 days Product Limit Validity Period Validity Of Facility is 6 Months Facilitiy type Total facility limit Factoring with/without recourse Minimum: IDR 100 mn Maximum: IDR 25 bn Collateral type Description Max LTV Eligible AR The AR must be originated from finished project/working order (post-activity) 80% before VAT for factoring with recourse 90% before VAT for factoring without recourse F acility type Facility tenor Repayment Factoring with/without recourse Facility tenor: 12 months, Revolving   Drawdown tenor: maximum 30 calendar days after the AR due day For each drawdown, monthly interest payment and principal paid at maturity

8. Disbursement Control All payment relating to the factoring arrangement should be made directly to the virtual account 1. Create Virtual Account For Each Customer Customer should sent standardized drowdown notice (Provide By Radana ) 3. Send Draw down Notice Confirm with the payer about the authenticity & accuracy of Invoice 5. Get confirmation From Payer about invoices Before requesting the factoring disbursement, customer should sent notification letter to payer 2. Send Notification Letter to payer Check the enforceability & Completeness of Doc required with the person in charge of payment 4. Check Invoice detail & Credit Facility Limit

9. Key Product Feature Feature Description Loan payment frequency Bullet payment (Interest & principal paid at maturity) or Monthly interest payment, and principal paid at maturity Grace period N.A. Interest rate Min. 18% Provision fee Min. 1% Appraisal fee N.A. Administration fee (if any) Will be borne by debtor (e.g.: notary, fiducia, etc.) Collateral insurance N.A. Penalty fee for late payment 0.2% per day of monthly payment Late penalty fee Interest accrued on the unpaid amount Hierarchy of payment Principal amount Interest Late payment charges Loan disbursement Shall be credited to the borrower’s designated Current Account/ Savings Account (CA/SA) Loan payment Paid directly by anchor company Pre-payment fee N.A.

10. Factoring Base on Anchor Company State-Owned Company (BUMN), Public Company ; Multinational Company Minimun revenue for the last year is IDR 500 Bn Profitable for the last 2 years Not in Negative industry list nor in coal mining industry No material negative finding

11. Customer Selection Criteria No. Questions Criteria 1 Is the company incorporated under law of Indonesia? Yes 2 Is the customer operating? Yes 3 Is the customer in the negative industry list? (Appendix 1) No 4 Satisfactory SLIK result for the last 6 months (No dpd > 90 days) Yes 5 Minimum 1 year of relationship with anchor Company Yes

12. Type & Facility Limit Max Tenor : 180 days , LTV base on eligible AR is set above Facilitiy type Total facility limit Factoring with recourse Minimum: IDR 1 bn Maximum: IDR 10 bn Collateral type Description Max LTV Eligible AR AR must be originated from finished project/working order (post-activity) 80% of AR (before VAT) Customer Acceptance Criteria

13. Direct payment 1 : Payer will pay directly to Radana the full amount of AR. After receiving the payment, Radana will deduct its financing portion (principal, interest, and late charges if any), and transfer the remaining amount to the customer’s account; Direct payment 2 : Payer will split the payment and pay directly to Radana for the Radana financing portion (principal and interest) first, then pay the remaining to customers’ account Payment Control Only direct payment is allowed for general factoring

14. Disbursement Control All payment relating to the factoring arrangement should be made directly to the virtual account 1. Create Virtual Account For Each Customer Customer should sent standardized drowdown notice (Provide By Radana ) 3. Send Draw down Notice Confirm with the payer about the authenticity & accuracy of Invoice 5. Get confirmation From Payer about invoices Before requesting the factoring disbursement, customer should sent notification letter to payer 2. Send Notification Letter to payer Check the enforceability & Completeness of Doc required with the person in charge of payment 4. Check Invoice detail & Credit Facility Limit

15. Key Product Feature Feature Description Loan payment frequency Bullet payment (Interest & principal paid at maturity) or Monthly interest payment, and principal paid at maturity Grace period N.A. Interest rate Min. 18% Provision fee Min. 1% Appraisal fee N.A. Administration fee (if any) Will be borne by debtor (e.g.: notary, fiducia, etc.) Collateral insurance N.A. Penalty fee for late payment 0.2% per day of monthly payment Late penalty fee Interest accrued on the unpaid amount Hierarchy of payment Principal amount Interest Late payment charges Loan disbursement Shall be credited to the borrower’s designated Current Account/ Savings Account (CA/SA) Loan payment Paid directly by anchor company Pre-payment fee N.A.

16. THANK YOU