Bank Artha Graha Internasional INPC

Bank Artha Graha Internasional domiciled in South Jakarta was originally established under the name PT Inter-Pacific Financial Corporation based on Deed No. 12 dated 7 September 1973, made before Bagijo, SH, successor to Eliza Pondaag, SH, at that time Notary in Jakarta, with the scope business as a non-bank financial institution, which was approved by the Minister of Justice of the Republic of Indonesia with Decree Number YA5 / 2/12 dated January 3, 1975, and was announced in the State Gazette of the Republic of Indonesia Number 6 dated January 21, 1975 Supplement Number 47.

On August 23, 1990, PT Inter-Pacific Financial Corporation listed its shares on the Jakarta Stock Exchange and Surabaya Stock Exchange.

Based on Deed No. 67 dated May 19, 1992, made before Adam Kasdarmadji, SH, at that time the Notary in Jakarta, and was announced in State Gazette of the Republic of Indonesia Number 10 dated February 2, 1993 Supplement Number 591, PT Inter-Pacific Financial Corporation changed its name to PT Inter-Pacific Bank. On February 24, 1993, PT Inter-Pacific Bank obtained a business license as a commercial bank with Decree of the Minister of Finance of the Republic of Indonesia Number 176 / KMK.017 / 1993.

Based on Deed Number 44 dated June 13, 1997 in conjunction with Deed Number 8 dated January 15, 1998, both were made before Sri Nanning, SH, at that time a Notary in Jakarta, and was announced in State Gazette of the Republic of Indonesia Number 70 dated September 1, 1998 Supplement Number 5056, PT InterPacific Bank changed its name to PT Bank Inter-Pacific, Tbk.

On April 9, 1999, PT Bank Inter-Pacific, Tbk submitted a request for delisting of shares on the Surabaya Stock Exchange, and on April 19, 1999, the Surabaya Stock Exchange gave its approval for the application for the cancellation of the listing.

On April 14, 2005, PT Bank Inter-Pacific Tbk signed the Deed of Merger Number 17, made before Imas Fatimah, S.H., at that time a Notary in Jakarta, where PT Bank Artha Graha merged into PT Bank Inter-Pacific Tbk. The merger has received permission from Bank Indonesia Number 7/32 / KEP. GBI / 2005 dated June 15, 2005, and took effect on July 11, 2005.

Based on Deed No. 27 dated July 12, 2005, made before Imas Fatimah, S.H., at that time the Notary was in Jakarta, and had obtained a permit from Bank Indonesia by Decree of the Governor of Bank Indonesia Number 7/49 / KEP. GBI / 2005 dated 16 August 2005, PT Bank Inter-Pacific Tbk changed its name to Bank Artha Graha Internasional, which was announced in the Republic of Indonesia State Gazette Number 101 dated 19 December 2006, Supplement Number 13128.

Bank Artha Graha Internasional is committed to becoming a leading financial institution and always producing the best by providing excellent service providing comprehensive and innovative financial solutions according to market needs, developing human capital, creating optimal benefits for stakeholders, and being a good corporate citizen who cares about society and the environment.

Various products and services provided by the Bank that can be utilized by the public, including fund distribution products such as productive loans, consumer loans, and other credit facilities, funding products such as savings, current accounts and deposits, as well as convenience to enjoy banking services both conventional and electronic, including GrahaCash 3 in 1 ATMs, Internet Banking, 24 Hours GrahaCall, Gen 2 State Revenue Module (MPN), bill payments, ticket and pulse purchases, and other banking services. In addition to the various banking products and services, the operation of the Artha Graha International Bank office on Saturday to serve customers is one form of service excellence offered. The company now continues to grow through a variety of product innovations and business growth that benefits shareholders and stakeholders. Bank Artha Graha Internasional has always been committed to be a leading financial institution and always produces the best in line with the Vision of Bank Artha Graha International, "to be the best bank of choice for people who are admired by stakeholders". Bank Artha Graha Internasional INPC

Vision
To be the best bank chosen by the public that is admired by stakeholders. asdasdasdasd

Mission

• Providing excellent service to the community is one of the keys to our success.
• Providing comprehensive and innovative financial solutions according to market needs.
• Developing Human Capital.
• Creating optimal benefits for stakeholders.
• Become a good corporate citizen who cares about the community and the environment. Bank Artha Graha Internasional INPC
  

Fund Relief Products

Productive Loan

Current Account Loans

Product Definition:

Current Account Loans are loans where the loan ceiling is stated in the debtor's checking account in accordance with the agreement between the Bank and the debtor based on the Credit / Debt Recognition Agreement. This type of loan is generally used to finance the working capital of debtors on a daily basis.

Advantages:

Debtors are free to withdraw or repay loans using checks, crossed checks or other transfer documents during the validity period of the credit agreement and the withdrawal does not cross the loan ceiling. And ceiling facilities that have not been drawn do not incur interest.

Feature:

• Credit ceiling is appropriate for business feasibility and customer needs
• Credit disbursement can be done by check / giro media
• Maximum credit period of 1 year, can be extended
• Collateral can be in the form of movable / immovable objects such as land and buildings and others that are considered sufficient by the Bank
  

Requirements :

1. Identification document
2. Company identity document
3. Financial information document
4. Completeness document / guarantee information Bank Artha Graha Internasional INPC

Revolving Loan

Product Definition:

Revolving Loans are loans for permanent working capital financing, the amount of which is reflected in the company's cash flow. Withdrawals of funds in accordance with the needs of the debtor using Promissory Notes / Promissory Notes, on condition that they do not exceed the agreed ceiling amount between the Bank and the debtor. The loan portion that has been repaid can be withdrawn according to the ceiling is still sufficient and the credit period is still valid (maximum 1 year and not closed for extended return).

Advantages:

Short-term loan period of 1 (one) year but can be extended again.

Feature:

• Credit ceiling is appropriate for business feasibility and customer needs
• The duration of each usage is at least 30 days
• Credit disbursement can be done by checking / giro media in multiples of disbursement as follows:
• Ceiling to Rp. 500 Million, in multiples of min. IDR 50 Million
• Ceiling between Rp. 500 Million to Rp. 1 Billion, multiples of at least Rp. 100 Million
• Ceiling above Rp 1 billion, in multiples of min. Rp. 200 million
• Maximum credit period 1 year and can be extended
• Can be in USD currency
• Collateral can be in the form of movable / immovable objects such as land and buildings and others which are considered quite good by the Bank

Requirements :

1. Identification document
2. Company identity document
3. Financial information document
4. Completeness document / guarantee information Bank Artha Graha Internasional INPC

Business Capital Loans

Product Definition:

Meet liquidity or working capital requirements, in the form of short-term loans with a period of 1 (one) year and can be extended again.

Advantages:

Short-term loan period of 1 (one) year but can be extended again.

Feature:

Revolving Loan

Credit for working capital financing that is permanent, the amount of which is reflected in the company's cash flow.

Current Account Loans

Type of loan with a loan ceiling stated on the debtor's checking account.

Requirements :

• Identification document
• Company identity document
• Financial information document
• Completeness document / guarantee information Bank Artha Graha Internasional INPC

Fixed Loans

Product Definition:

Fixed Loan is a loan facility provided to debtors to finance investment (purchase of fixed assets) of debtors or working capital whose use is seasonal / only one time use. Withdrawal of funds is done at once (a number of ceilings that have been agreed between the Bank and the debtor) using Promissory notes / promissory notes and repayments can be made periodically until the credit period. The loan portion that has been repaid cannot be withdrawn.

Advantages:

• Long-term loan period with a maximum term of 15 (fifteen) years.
• Loan principal payments can be given with a grace period.
• Loan principal payments can be made periodically based on agreed cash flow at the beginning.

Feature:

• Funds withdrawal is done at once
• Repayments can be made periodically or at the same time at the end of the credit period
• The maximum credit period is 15 (fifteen) years
• Can be in USD currency
• Collateral can be in the form of movable / immovable objects such as land & buildings and others that are considered sufficient by the Bank

Requirements :

1. Identification document
2. Company identity document
3. Financial information document
4. Completeness document / guarantee information Bank Artha Graha Internasional INPC

Funding Products

Prepare funds for your future plans by saving regularly every month from now on.

Smart Savings

Do you have future plans?

Year 1: Preparation for child birth / vacation abroad.

3rd year: Money going to school / continuing to study S-2.

5th year: DP home / car.

Year 6: Umrah / Holyland.

Year 10: Start a business / retirement preparation.

Why do you need to plan for future funds?

Funding planning needs to be done to anticipate various conditions that can prevent the realization of your future plans.

Why Smart Savings?

• A lightweight, affordable monthly deposit nominal
• Simple, saving time selection options
• Fortunately, competitive interest rates Bank Artha Graha Internasional INPC

Giro

Banking services by providing comfort in your business

Ease of business transactions with individual / company current accounts.

• Payment of business partnership using check / giro.
• Billing information system services for clients.
• Ease of identifying payments from clients using virtual acc.
• Book-transfer transfers, LLG, RTGS through internet banking.
• Account statements use e-statements.
  

The advantage
Account options in 6 currency options (IDR, USD, SGD, AUD, JPY, CNY) Bank Artha Graha Internasional INPC

Artha Savings

Use Artha Savings with various facilities that make transaction easy

Excellence

GPN ATM and Debit Card:

• Cash withdrawals at any ATM throughout Indonesia
• Debit cards for shopping transactions at all merchants in Indonesia.

AGI Mobile:

• at the portfolio and mutation of savings accounts, current accounts,Look deposits.
• Transfer funds to an account at Artha Graha Bank or Other Bank.
• Payment of telephone bills, electricity, credit cards, loans, etc.
• Purchase pulses, electricity tokens, etc. using AGI Mobile.

Transaction notification via sms / email:

• Debit transaction
• Credit transaction
• Debit and credit transactions
  

The advantage
Free ATM cash withdrawal fees at Artha Graha Bank and Other Banks *)
No debit card transaction fees.
Light administrative and notification fees.
Attractive savings rates. Bank Artha Graha Internasional INPC

Wira Savings

The right choice for those of you who need transaction flexibility

Excellence

• Comfortable, without having to come to the branch
• Secure, debit / credit mutation service information (via sms / email)
• Flexible, check the entire portfolio in AGI Mobile
• Free Cash Withdrawals through ATMs, ATM Prima networks
• Cash-less, all GPN Merchants
• Ease of Payment, from Telephone Accounts, PLN, Credit Cards, Loans and to the purchase of pulses, electricity tokens
• Practically, account statements use e-statements

The advantage

Whatever you get at Tabungan Wira\

• Transactions are easier and more profitable
• Savings interest rates are equivalent to deposits.
• Free administration fees for an average balance of min. Rp.25 million. Bank Artha Graha Internasional INPC

Deposit

The right choice of investing your funds with attractive interest rates

Excellence

• Funds, provide optimal benefits.
• Comfortable, individual customers / companies.
• Flexible, Choice of terms of 1, 3, 6 and 12 months or on call.
• Safe, Monitor portfolio, interest rates, maturity using AGI Mobile
  

The advantage

• Competitive interest rates
• Options in IDR and foreign currency
  

Automatic Roll Over (ARO) Bank Artha Graha Internasional INPC

Prega Savings

Realize your children's dreams from now on

Excellence

• Minor, Saving from IDR 50,000
• Interesting, Savings with children's names.
• ATM / Debit Card, with the child's name.
• Flexible, account statements using a savings book / e-statement.
• Safe, see the development of savings from internet / mobile banking.
  

The advantage

• Free account administration fees
• Free of charge for ATM cards
• Get savings interest Bank Artha Graha Internasional INPC

Student Deposits

Realizing the young generation achieve their goals early on

Excellence

• Practical, banking services in the form of education
• Convenient, pick-up service and field trip can be done
• Free, Administration fee

The advantage

• Get an ATM card and Savings book
• ATM card in the name of the child Bank Artha Graha Internasional INPC

Basic Account Savings

Excellence

• Cash deposit
• Cash withdrawal
• Bookmaker
• Balance check Bank Artha Graha Internasional INPC

My savings

Excellence

• Free, savings administration fees
• Light, deposit fees
• Small, account closing costs
  

The advantage

• Providing convenience in having savings at the bank
• Security of saving funds
• Growing the community for a culture of saving Bank Artha Graha Internasional INPC
  

Head Office
Gedung Artha Graha
Kawasan Niaga Terpadu Sudirman (SCBD)
Jl. Jend. Sudirman Kav. 52 - 53 Jakarta Selatan -12190
Telp: (021) 515-2168 (Hunting)
Fax : (021) 515-3892
Bank Artha Graha Internasional INPC


Bank Artha Graha Internasional INPC

Bank Artha Graha Internasional INPC

Indomobil Multi Jasa IMJS

The Company established on 2 December 2005 under the name of PT Multi Tambang Abadi which engaged in the business of mining and service. In January 2013, PT Indomobil Sukses International, Tbk. (IMSI) acquired 90.00% of the Company's shares from PT Tritunggal Intipermata and acquired 9.89% of the Company's shares from PT Indomobil Manajemen Corpora.

Furthermore, in February 2013, along with the change of its business objectives, the Company changed its name into PT Indomobil Multi Jasa (herein after referred to as IMJ) with its scope of business i.e trading, automotive maintenance workshop, general consulting and services for vehicle, car rental and machines, and land transportation.

The Company has entered into the domestic stock exchange by way of Initial Public Offering (IPO), which followed by the listing of its shares by having "IMJS" as its code of shares in PT Bursa Efek Indonesia on 10 December 2013, which changed the Company's status into an Public Company.

The Company conducts its business activities in the areas of financing services, logistics and transportation business, and non-formal education / training services through its following subsidiaries:                           

1. Financing Services
   • PT Indomobil Finance Indonesia (“IMFI”)
   • PT Hino Finance Indonesia (“HFI”)
   • PT Nissan Financial Services Indonesia (NFSI”)
   • PT Suzuki Finance Indonesia (“SFI”)
2. Logistics and Transportation
   • Rental : PT CSM Corporatama (“CSM”)
   • Logistik : PT Seino Indomobil Logistics (“SIL”)
3. Non-Formal Education /Training Services
   • PT Indomobil Edukasi Utama (“IEU”)
4. Repair and Maintenance Services
   
   • PT. Indomobil Ekspres Truk ("IET")

VISION
The Leading Financial and Transportation Solutions Provider in Indonesia.

MISSION
1. Promoting “Operational Excellence”
2. Implementing “Funding Diversification”
3. Developing Human Capital
4. Expanding the synergy and captive market
5. Employing the Information Technology Indomobil Multi Jasa IMJS

Code of Conduct of the Company is an internal guidance that binds everyone in the Company and contains the values, business ethics, work ethics, and norms relating to the conformity and compliance against the corporate policies as well as Indonesian laws. Code of conduct is designed by Board of Directors and Board of Commissioners with respect to the corporate values, namely Excellent Services, Reliability, Integrity, Accessibility, Value-Added Driven Business and Awareness, as well as with consideration to moral principles that are enacted in the company and the commitment to realize the corporate vision and mission.

As the Company's commitment to conduct the good corporate governance is in line with the universal principles, the implementation of code of conduct is aimed at guiding all management and employees in showing behavior, interacting and acting according to the rights and obligations to the stakeholders, including in serving the customers.

In addition, other goals of reinforcing the code of conduct are:

• To develop and maintain commitment of the Company to the implementation of Good Corporate Governance in accordance to the applicable business ethics in Indonesia so as to create a favorable business environment, namely through the implementation of corporate values that lead to the establishment of corporate cultures and policies, system as well as procedures;
• To apply and sustain understanding as well as implementation of code of conduct of the employees and management against the work ethics that facilitate the implementation of GCG practices, so as to ensure that the Company as a legal entity has operated in compliance with Indonesian laws and business ethics;
• To develop and sustain understanding among shareholders and stakeholders relating to the corporate values and the applicable business ethics in Indonesia, in a way to promote a positive image ensuring that the Company's business practices are in compliance with the applicable regulations and business ethics in Indonesia;
• To guide all employees and management about the making of ethical decision, so that each individual of the Company can determine every step or business decision with respect to moral and legal consequences. Indomobil Multi Jasa IMJS
  

Risk Management

As a multifinancing company with dynamic business, Risk Management is indeed essential to its business. Therefore, the Company has developed and applied a comprehensive risk management policy as part of effort to anticipate business risk potentially hampering the efforts to achieve the strategic goals of the company, and at the end, slow down the business growth of the Company.

Below are the risks that could be identified and the mitigation steps:

1. Risk of Financing & Mitigation Steps

Financing activities were exposed to high risk, particularly risk of debtor's failure to fulfill the obligations. Therefore, the Company mitigated the risk emerging from its main business by channeling the credit based on prudence principle as well as applying tight financing scheme, from field survey to adequate credit analysis. Besides, the Company applied collection mechanism of various methods and levels, from sending reminder SMS ahead of the payment due of the installment, then collecting by phone and making direct visit to the consumers that fail to fulfill the payment obligation within certain period of time.If those steps were completed, the next procedure would be to take over the vehicle that becomes the collateral. The Company could help the sales of the vehicle that was taken over in order to minimize the loss and to protect the rights of the consumers whose vehicle was taken over.

2. Risk of Funding & Mitigation Steps

Funding activity of the Company was also exposed to the risk of the difficulty of finding adequate, affordable and trustworthy sources of fund. To anticipate the risk potential, the Company has applied some steps including diversification of fund using the instruments from local and foreign banking institutions, in the forms of bilateral loan, syndicated loan, joint financing, or loan extension, as well as through capital market, such as the issuance of bonds.

3. Risk of Operation & Mitigation Steps

The Company's business was exposed to risk of operation which was affected by various risk factors. The Company anticipated the risk by conducting review over the existing operational system and procedures to be further adjusted to the business development of the Company. Department of Business Process in that case was responsible for formulating the Standard Operational Procedure (SOP) and drafting the revision over the procedure on periodical basis.The Internal Audit Division meanwhile was responsible for reviewing the implementation of SOP to ensure the effectiveness of the implementation.

4. Risk of Competition & Mitigation Steps

The Company in 2016 dealt with challenging situation that led to tight business competition. The Company therefore improved cooperation with the distributors and dealers in order to make breakthroughs, such as innovative financing package and aggressive expansion to widen the sales and service network to many regions in Indonesia.

5. Risk of Macroeconomy & Mitigation Steps

Macroeconomic uncertainty has generated a risk that could hamper the sustainable business growth. Although the macroeconomic condition was beyond the Company's control, the Company anticipated the risk by consistently monitoring the economic indicators, among which were the inflation rate and interest rate, while diversifying the sources of fund and applying the hedging strategy as anticipatory measures against the fluctuating interest rate and exchange rate.

6. Risk of Monetary Policy & Mitigation Steps

The macroeconomic situation strongly related with the implementation of monetary policy. The Company in that case has consistently monitored the issued monetary policies and reviews the impact on the business sustainability of the Company. This effort was also accompanied by the strategy of diversifying sources of fund to ensure the Company's competitiveness.

7. Risk of Exchange Rate Volatility & Mitigation Steps

As the macroeconomic condition, the exchange rate volatility was another risk factor that was beyond the Company's control. To anticipate the risk, the Company applied hedging policy through the implementation of cross currency swap and interest rate swap transactions from floating interest rate to fixed rate to mitigate the impact of risk of exchange rate volatility to profitability of the company. Indomobil Multi Jasa IMJS

Supporting Institutions and Professionals

Public Accountant:
KAP Purwantono, Sungkoro & Surja
Ernst & Young 
Gedung Bursa Efek Indonesia, Tower 2, Lt.7
Jl. Jend. Sudirman Kav. 52-53
Jakarta 12190, Indonesia
Tel : +6221 5289 5000
Fax: +6221 5289 4100

Credit Rating Agency:
PT Pemeringkat Efek Indonesia (Pefindo)
Panin Tower Senayan City, 17th Floor
Jl. Asia Afrika Lot.19
Jakarta 10270, Indonesia
Tel : +6221 7278 2380
Fax: +6221 7278 2370

Securities Administration Bureau:
PT Raya Saham Registra
Gedung Plaza Sentral, Lt. 2
Jl. Jend. Sudirman Kav. 47-48
Jakarta 12930, Indonesia
Tel : +6221 2525666
Fax: +6221 2525028

Indomobil Multi Jasa IMJS

Board Code of Conduct

Board Code of Conduct is formulated based on the rules in the Article of Association of the Company and the applying laws, including Financial Service Authority (FSA) Regulation No. 33/POJK.04/2014 concerning Board of Directors and Board of Commissioners of Issuer or Public Company The Code of Conduct contains:

1. Legal base;
2. Description of function, duties, responsibility and authorities;
3. Working hours;
4. Membership of Board of Commissioners;
5. Meeting policy;
6. Reporting and accountability;
7. Relation with Board of Directors Indomobil Multi Jasa IMJS
   

Whistleblowing System

The Company is fully aware of the importance of reinforcing the whistleblowing system effectively in order to strengthen the internal control implementation in the organization of the Company. Although until now the Company has not yet established a structured system and an effective whistleblowing media, mechanism for handling the fraud or deceitful acts against the corporate policies or the applying laws is done through a tight process. The Company has also assigned Internal Audit Division to conduct deep analysis, investigate and follow up to the fraud or deceitful acts. Indomobil Multi Jasa IMJS

Indomobil Multi Jasa Offers 1.29 Billion IPO Shares

TEMPO.CO, Jakarta - PT Indomobil Multi Jasa Tbk, Monday, 11 November 2013, conduct an initial public offering. The offer is made through two subsidiaries, namely PT Indomobil Finance Indonesia (IMFI) and PT CSM Corporatama (Indorent).

President Director of PT Indomobil Multi Jasa, Jusak Kertowidjojo, said the company sold 10 to 25 percent of the shares. "The initial price is around Rp 500 to Rp 650 per share," said Jusak at The Ritz-Carlton, Pacific Place, Jakarta, Monday, 11 November 2013.

The number of shares offered to the public is the amount of 1.29 billion shares. According to Jusak, the initial public offering period of PT Indomobil Multi Jasa was conducted on 11-19 November 2013. "We are targeting to be listed in the stock exchange on 5 December 2013."

The fund raised from initial offering shall be used for business development and working capital of a subsidiary amounting to 60 percent. Two thirds of the 60 percent shall be used by Indorent, while one-third will be used by IMFI. The remaining 40 percent shall be used to pay Indorent loans.

Jusak said the five companies were appointed as underwriters namely PT CIMB Securities Indonesia, PT Deutsche Securities Indonesia, PT DBS Vickers Securities Indonesia, PT Kresna Graha Sekurindo Tbk and PT Buana Capital.

PT Indomobil Multi Jasa Tbk is a subsidiary of PT Indomobil Sukses International. Indomobil Multi Jasa is engaged in consumer financing services through IMFI as well as car rental services through Indorent. IMFI itself serves the financing of two-wheeled vehicles, four wheels, and heavy equipment. As of 30 June 2013, the company claims to have as many as 212 service points. Meanwhile, Indorent has 16 service points with a total fleet of 8.363 units. Indomobil Multi Jasa IMJS

Annual General Meeting of Shareholders of PT Indomobil Multi Jasa, Tbk in Year of 2017

Indomobil Tower, Jakarta, Indonesia

Thursday, 28 June 2018

PT Indomobil Multi Jasa Tbk (“Company”), held Annual General Meeting of Shareholders (“AGMOS”) for Fiscal Year of 2017.

AGMOS decided:

1. Approval of the Annual Report of the Company regarding the condition and operation of the Company for the fiscal year of 2017.
2. Ratification of the annual statement of the Company and Subsidiary (Consolidated Statements of Financial Position, Financial Statements of Income and other Comprehensive Income Consolidation) for the fiscal year of 2017 and the grant of release and discharge of responsibility to the members of the Board of Directors and Board of Commissioners of the Company.
3. The stipulation of net profits usage for fiscal year of 2017 namely as follows:
   1. Allocate a portion of its net profits as reserve fund in the amount of Rp 100.000.000 (one hundred million Rupiah) as required in the provisions of Article 70 paragraph (1) of Law No.40 of 2007 regarding Limited Liability Company;
   2. The distribution dividends in the amount of Rp 6.020.400.000,- (six billions and twenty millions four hundred thousands Rupiah) divided to 5.017.000.000 shares
   3. The payment of dividens will be made by being credited to The Securities Company or Depository Central at PT Kustodian Sentral Efek Indonesia.
   4. The remaining net profits of the Company for the financial year ended on 31 December 2017 after deducted by reserve fund in the amount of Rp 100.000.000 (one hundred million Rupiah) will be used as additional working capital of the Company.
4. The determination of the policy related to the remuneration of members of the Board of Directors and Board of Commissioners of the Company.
5. The appointment of Public Accountant Office to audit the books of the Company for the fiscal year ending on 31 December 2018, and the determination of the terms of such appointment.
6. Approval of the capital increase of Company through Pre-emptive Rights (HMETD).
7. Approve to reappoint the member of the Board of Directors and Board of Commissioners of the Company.

Annual General Meeting of Shareholders of PT Indomobil Multi Jasa, Tbk in Year of 2018

Indomobil Tower, Jakarta, Indonesia

Kamis, 20 Juni 2019

Today PT Indomobil Multi Jasa Tbk ("the Company"), located at Indomobil Tower,

held an Annual General Meeting of Shareholders ("AGM") for Fiscal Year 2018.

The AGMS includes, among others, the following matters:

1. Approval of the Annual Report of the Board of Directors regarding the condition and running of the Company for the 2018 fiscal year.
2. Ratification of Annual Calculations (Consolidated Statements of Financial Position, Consolidated Statements of Income and Other Comprehensive Income) for fiscal year 2018 and granting full settlement and acquittal of responsibility (acquit et de charge) to members of the Directors and Board of Commissioners of the Company.
3. The determination of the use of the Company's net profit for the 2018 financial year is as follows:

• Set aside as a reserve fund of Rp 100,000,000 (one hundred million Rupiah) in accordance with the provisions of Article 70 paragraph (1) of Law No.40 of 2007 about Limited Liability Companies.
• Disclosed as cash dividends of Rp. 5,769,550,000 (five billion seven hundred sixty nine million five hundred fifty thousand Rupiah). The dividend will be distributed for 5,769,550,000 shares.
• Payment of cash dividends will be made by way of being credited into the securities account of a Securities Company or Custodian Bank at PT Kustodian Sentral Efek Indonesia.
• Remaining net operating results of the Company for the fiscal year ending on 31 December 2018 after deducting the allowance for reserve funds Rp. 100,000,000.00 (one hundred million Rupiah) will be used as additional capital work of the Company
  

4. Determination of Salary and / or Allowances for Members of the Board of Directors and Honorarium and / or Allowances of the Company's Board of Commissioners.

5. Appointment of a Public Accounting Firm to conduct an audit of the Financial Statements

6. The Company for the year ending in December 31, 2019. Approval of the Company's Capital Increase by granting Pre-emptive Rights (Rights) and the Proposed Use of Funds from the Capital Addition.

7. Approval of changes to the editorial Article 3 of the Company's Articles of Association Indomobil Multi Jasa IMJS

Annual General Meeting of Shareholders of PT Indomobil Multi Jasa, Tbk in Year of 2019

PT Indomobil Multi Jasa, Tbk. (IMJ) held the Annual General Meeting of Shareholders (AGM) for the fiscal year 2019 on Monday, June 8, 2020 taking place in Indomobil Tower, Jakarta, by implementing a protocol to prevent the spread of the COVID-19 pandemic by implementing social distancing and limiting attendees.

The event was attended directly by Soebronto Laras (IMJ President Commissioner), Jusak Kertowidjojo (IMJ President Director), Gunawan Effendi (IMJ Deputy President Director), and online, namely Josef Utamin (IMJ Commissioner), Tan Lian Soei (IMJ Independent Commissioner ), Andrew Nasuri (IMJ Director), and Toshiro Mizutani (IMJ Unaffiliated Director).

The Annual General Meeting of Shareholders ("AGM") for Fiscal Year 2019 includes but is not limited to the following:

1. Approval of the Annual Report of the Board of Directors regarding the condition and running of the Company for the 2019 fiscal year.
2. Ratification of the Annual Calculation (Consolidated Statements of Financial Position, Consolidated Statements of Income and Other Comprehensive Income) for fiscal year 2019 as well as granting full settlement and acquittal of responsibility (acquit et de charge) to members of the Directors and Board of Commissioners of the Company.
3. Determination of the use of the Company's net profit for fiscal year 2019
4. Determination of Salary and / or Allowances for Members of the Board of Directors and Honorarium and / or Allowances of the Company's Board of Commissioners.
5. Appointment of a Public Accounting Firm to conduct an audit of the Company's Financial Statements for the fiscal year ending on December 31, 2020.
6. Approval of the Company's Capital Increase by granting Pre-emptive Rights (Rights) and the Proposed Use of Funds from the Capital Addition.
7. Approval to give power and authority to the Board of Directors to carry out all necessary actions related to decisions related to the Rights without being excluded.
8. Approval of amendments to Article 4 and the final part prior to the closing of the deed in the Company's Articles of Association in connection with the exercise of HMETD and agree to grant authority and authority to the Board of Directors to carry out all actions related to changes in the Company's Articles of Association as referred to in number 7. Indomobil Multi Jasa IMJS
   

Head Office

PT Indomobil Multi Jasa, Tbk

Indomobil Tower 11^th Floor
Jl. MT Haryono Kav. 11
Jakarta 13330 - Indonesia

Tel. : +6221 29185400

Fax  : +6221 29185401

Indomobil Multi Jasa IMJS



Indomobil Multi Jasa IMJS

PT Indomobil Multi Jasa Tbk (IMJ) Company Profile

Intan Baruprana Finance IBFN

• Finance Tbk PT Intan Baruprana Tbk or more know asIBF,founded ON 1991.
• IN 2003, IBF acquired by PT Intraco Penta Tbk.
• Time passes, ON In 2010, IBF Syariah Business Unit set up to review support expansion efforts.
• Up When Singer, by many big Good Bank Bank IBF supported both conventional and Islamic banking. Intan Baruprana Finance IBFN

Vision

To be Tier 1 Finance Company in the financial Industry in Indonesia.

Mission
To create Job and prosperity, and build and grow with aspiring local entrepreneurs.

Strategy To have Capital IDR 1 trillion or higher and rating single A or better, through upholding Good Corporate Governance, respecting all stakeholders, practicing highest professionalism and having honest character.  Intan Baruprana Finance IBFN

Financing Schemes

IBF offers financing solutions for capital goods to support customers financing requirement for Leases with various schemes, among others:

• Financing of new and second-hand capital goods
• Financing of Sale and leaseback

Types of capital goods which can be financed

• Heavy Equipment
• Transport equipment and commercial vehicles
• Shipping
• Industrial Machines
• Medical Equipment
• Other supporting facilities

Financing Sector

• Plantation
• Infrastructure
• Mining
• Transportation
• Gas & Oil
• Forestry
• Aquaculture
• Health
• Hospitality
• Other Intan Baruprana Finance IBFN

The Company is committed to uphold good corporate governance for the purpose of:

• Improve accountability, compliance and accountability to the interests of all stakeholders (stakeholders)
• Increase the independence, equality and fairness in action;
• Increase the confidence of investors and shareholders that will be able to maximize the value of the Company, by taking into account the interests of stakeholders
• Increase the transparency thus increasing the confidence of clients, creditors and the government, which in turn will increase the competitiveness of the Company Intan Baruprana Finance IBFN
  

Head Office

PT Intan Baruprana Finance Tbk
INTA Building, Ground Floor
Jl Raya cakung Cilincing KM. 3,5
Jakarta 14130 - INDONESIA
Tel: + 6221 4401408, + 6221 4408442
Faks: + 62 21 440 8441
Hubungan Investor: corsec@ibf.co.id
Layanan Pelanggan: customer.care@ibf.co.id

Intan Baruprana Finance IBFN

Intan Baruprana Finance IBFN

Intan Baruprana Finance IBFN

First Indo American Leasing FINN

The company was established under the name PT First Indo American Leasing, based on PT First Indo American Leasing Deed No.30 dated July 3, 1981, which was amended by Amendment Deed No.61 dated October 13, 1981, both made before Kartini Muljadi, SH, Notary in Jakarta.

This deed was approved by the Ministry of Justice of the Republic of Indonesia with Decree No.YA5 / 549/25, November 20, 1981 and registered at the Jakarta District Court with No.4115 and No.4316, December 1, 1981 and has been announced in the State Gazette of the Republic of Indonesia No. 25, Supplement to the State Gazette of the Republic of Indonesia No.370, March 26, 1982. First Indo American Leasing FINN

VISION

To become one of the best financing companies

MISSION

• Maximize productivity, abilities, and personality of all employees with science and technology
• Achieve business growth and profitability through "Service Excelence" with "High Teamworks Spirit"
• Provide satisfaction to all business partners and customers
• Creating a conducive and harmonious work environment

Score

• A healthy work culture
• 5 C (Commitment, Courage, Creativity, Credible, and Compassion)
  
• Open communication
  
• Integrity and Professionalism
  
• Teamwork, togetherness and responsibility First Indo American Leasing FINN
  

Used Car Financing

Firstindo Finance provides special used car financing facilities. We provide financing facilities for consumers to be able to have the desired vehicle with easy requirements, a fast approval process and a guaranteed guaranteed BPKB.
You can buy a used car with financing from Firstindo Finance.
You can see the physical car at the dealer / showroom in collaboration with Firstindo Finance.
Used cars that we finance:

Showroom that has collaborated with Firstindo Finance.
A minimum down payment of 25%.
Maximum tenor of 48 months.
Japanese and Non-Japanese Brands.
Include the required documents as described in the credit terms. First Indo American Leasing FINN


Multifunction

Firstindo Finance innovates to be able to provide financing products to meet consumer needs such as financing four-wheeled vehicles, education, family vacations, investment / working capital, renovation of business premises / residences, and many other things.

By prioritizing the speed of the process, the ease of requirements, and the flexibility of the financing scheme. Through a good partnership with vehicle dealers that are partners with Firstindo Finance, customers can enjoy competitive interest rates, easy requirements, and flexible terms to be able to own four-wheeled vehicles of various brands and types.

Multipurpose from Firstindo Finance is the right and reliable solution for financing needs to individual and corporate customers. First Indo American Leasing FINN

Payment method

* Branch office

1. The debtor goes to the nearest Firstindo Finance Branch Office.
2. Mention the Debtor Name or No. Agreement to the teller / branch cashier.
3. Submit Nominal Installments to Branch Teller / Cashier.
4. Debtor accepts Receipt from Teller / Cashier as Receipt of Installment Payment Receipt *)
5. Save receipt of payment required when taking BPKB *).

* Nearby Indomaret Network

1. The debtor goes to the nearest Indomaret Outlet.
2. Inform the Contract Number or Vehicle Police Number to the Indomaret cashier.
3. Pay according to installment nominal every month.
4. Debtors that can make payments at Indomaret, Debtors with monthly installments nominal below or equal to Rp. 5,000,000.
5. Request proof of payment in the form of receipt from the cashier of Indomaret,
6. Save payment receipt as proof when taking BPKB. First Indo American Leasing FINN
   

BPKB withdrawal

Debtor

• The debtor carries proof of payment (original receipt) issued by Firstindo Finance
• Applicant's ID Card (In accordance with the name of the Contract)
• The debtor signs the BPKB receipt form

Authorized

• Original Gender of Power of Attorney (Firstindo Finance Debtor according to contract)
• Original Recipient's Identity Card
• Power of Attorney (on stamp duty)
• Proof of payment (original receipt) issued by Firstindo Finance
• The Power of Attorney was marked on a stamp duty of Rp. 6,000 First Indo American Leasing FINN
  

Perpanjangan STNK

Cabang Firstindo Finance

• Debitur membawa dan menyerahkan STNK Asli kepada kasir
• Debitur membawa dan menyerahkan KTP Asli kepada kasir
• Menyerahkan Uang Muka Sesuai Estimasi Kasir
• Dikenakan Biaya Pengurusan

Pengurusan oleh Debitur

• Debitur mendapatkan surat keterangan
• Membawa kwitansi pembayaran terakhir First Indo American Leasing FINN
  

Insurance claim
Loss Type

In the event of a loss, the Debtor must first look at the type of Insurance Coverage according to the loan agreement agreement or insurance policy, Comprehensive Insurance Coverage or Total Loss Only.
Explanation of Insurance Coverage as follows:

1. Partial Loss - Comprehensive Insurance Coverage

This loss can occur due to partial loss (Partial Loss Stolen) or collision (Partial Loss Accident) or by events that are guaranteed in the policy.

2. Total Loss (Total Loss) - Total Loss Only (TLO) Insurance Coverage

Overall loss for the insured object, the value of the loss reaches a minimum of 75% of the coverage price. This loss can occur due to loss (Total Loss Stolen) or collision (Total Loss Accident) or events that are guaranteed in the policy.
Claim mechanism or procedure that applies at Firstindo Finance Insurance Company, for motor vehicle claims:

The loss report is made by the Debtor within 3 x 24 hours of the loss occurring. Claim reporting can be done through:

Come or call directly to the representative branch office of the Insurance Company Firstindo Finance partner closest to the Debtor
Come or call directly to the Firstindo Finance representative branch office closest to the Debtor
Prepare & submit reporting documents in accordance with the type of loss that the Debtor experiences, so that claims submitted can be processed immediately.
The Insurance Company will carry out a survey of the object of coverage, to find out clearly the cause of the loss and as a process of estimating the total loss suffered by the Debtor.
For motor vehicle insurance with a type of partial loss accident, the compensation process is carried out by repairing the damage in the Insurance Company partner workshop.

Loss Type

For all types of claims that the Debtor submits, the Debtor is requested to put their chronology in the Loss Report Form. As an agreement, the Debtor must sign the form.

1. In the event of Partial Loss:

• Loss reports include chronological events (claim forms).
• Copy of Insurance Policy, Driver License owned by the Driver at the time of the incident, Certificate of Identity Vehicle Number, Debtor Identity Card (KTP).
  

2. In the case of Total Loss:

• Loss reports include chronological events (claim forms).
• Original Insurance Policy Document, Key, Vehicle Number, Kir Book for type mandatory vehicles Kir, Certificate of Loss from the Regional Police in case total loss, Proof of Blocking of Vehicle Number Certificate in the event of lossWhole.
• Copy of Driver's License (SIM) owned by the Driver at the time of the incident, Debtor Identity Card (KTP).
  

3. Valid for points 1 and 2 above:

• Damage photos, estimated repair costs, if requested by the Insurance Company.
• Local Police Report Letter, if the loss and or damage involves a third party or in the case of partial loss due to theft.
• Other relevant documents requested by the Insurance Company in connection with claim settlement. First Indo American Leasing FINN

Governance Overview

The Company applies the principles of Good Corporate Governance (GCG) in order to safeguard the interests of stakeholders and increase value for shareholders. In connection with the application of these principles, the Company has a Corporate Secretary, Internal Audit Unit, Nomination and Remuneration Committee, Audit Committee, and has appointed an Independent Commissioner and an Independent Director.

With the implementation of GCG principles, the Company has the following objectives:

• Manage relations between stakeholders
• Running a business that is transparent, complies with regulations, and has good business ethics
• Improved risk management
• Increased competitiveness and the ability of the Company to face highly dynamic industry changes
• Prevent irregularities in the management of the company

Risk Management Overview

The Company carries out Risk Management Implementation for each Risk that has been carried out by the Company:

1. Strategic Risk
2. Operational Risk
3. Asset and Liability Risks
4. Management Risk
5. Governance Risk
6. Risk of Fund Support (Capital)
7. Risk of Financing First Indo American Leasing FINN
   

CSR

Implementation of Corporate Social Responsibility

Corporate Social Responsibility The Company carries out CSR activities as the Company's responsibility to the community and the environment. Examples of CSR activities undertaken by the Company include social service visits to social institutions and orphanages located in Greater Jakarta. This year, the Company has carried out social activities at the Bina Grahita Social Home "Belaian Kasih" which is located at Jl. Map of North No. 29 A, Pegadungan, Kalideres, West Jakarta was held on Friday, March 24, 2017, and to Ibnu Ajhari Orphanage located at Jalan Lingkar Pakuning Sukarahayu Village, Tambelang District, Bekasi, on March 2, 2017. During the visit, the Company provided assistance in the form of medicines to the Social Home and assistance in the form of some money to the Orphanage. First Indo American Leasing FINN




First Indo American Leasing FINN

IPO DDM PT First Indo American Leasing Tbk