LIMITED 2 3) UPDATE ON INTERNATIONAL MARKET INDONESIA In February 2020, PT Avabanindo Perkasa (“Otego”), the operator of MRT Jakarta red line (north-south) has completed its first phase of digital
centers to be in line with actual traffic.As a result, the Company’s gross profit margin increased from 30.59 percent to 33.17 percent, the operating profit margin increased from 16.28 percent to 19.73
quarter, because there is no sale of written-off receivables in this quarter. However, in comparison of the 9M/2023’s revenue to the same period last year, the revenue from credit card increased 5%, in line
renovated to be more visually appealing. Discounts and free shipping were provided exclusively for the eligible purchase on the Company’s website. As for marketplace platform channel development, the Company
verification solutions which is in line with the Company’s sustainable development plan that focuses on creating a secure financial service for customers, including sale promotions and campaigns and credit card
manufacturing production shrinks less According to exports in almost all product categories In line with the demand of trading partners recovering. Especially electrical appliances that continued to expand
forecast. Exports of goods would decline in line with trading partner economies and potential impacts of regional supply chain disruptions.* However, the Company sees that the lower interest rate also
already been partially delivered and recognized the project accomplishment. The change in cost of sales, services and construction contract of Q4-2016 decreased in line with the rate of change in the
housing loans as most borrowers rushed to submit their loan applications before the effective date of the revised Loan-to-Value (LTV) measures on April 1, 2019. Demand for auto-leasing declined in line with