with truth in all respect. It is created with prudence and caution concerning to the benefits of shareholder at most. This Information Memorandum is created on the purpose of information distribution

structure management. It has to be flexible in times of economic turmoil and financial costs must be maintained at appropriate level. In addition, the financial policy must be implemented with caution and the

risk (Stage 3) was 5.6% decreased from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and some of the customers able to repay and accelerated

year. For default receivables in credit risk (NPL Stage 3) was 5.2% decreasing from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and

% decreasing from 5.8% at the end of previous year as a result from caution on new loan and customer’s relief measures from COVID-19 situation. In the end of fourth quarter of 2021, the consolidated coverage

by 4.8% from the same period of previous year; where China alone had crude steel production for June 2017 was 73.2 million tons, as top rank of the world, increase by 5.7% compared to June 2016. The

2016. The region with most production was Asia (including China, but not including the Middle East) 876.3 million tons, an increase by 5.6% from the same period of previous year; where China alone had

most production in 2017 was Asia (including China, but not including the Middle East) 1,162.5 million tons; where China alone had crude steel production for 2017 was 831.7 million tons, as top rank of

% compared to 2016. The region with most production in 2017 was Asia (including China, but not including the Middle East) 1,162.5 million tons; where China alone had crude steel production for 2017 was 831.7

tons, significant increase by 4.6% compared to 2017. The region with most production in 2018 was Asia (including China, but not including the Middle East) 1,271.1 million tons; where China alone had