Adira Finance Strengthens Presence in Bali-Nusra with Strategic Expansion

Robust Growth in Challenging Economic Conditions

PT Adira Dinamika Multi Finance Tbk. (ADMF), known as Adira Finance, has demonstrated resilience in the Bali-Nusa Tenggara (BNT) region despite national economic challenges. By September 2025, the company achieved Rp1.7 trillion in new financing in the region, marking a 5% year-on-year increase. This performance contributed 6% to the company's total new financing, highlighting the region's significance in Adira Finance's overall business strategy.

Segment Performance and Business Mix

The automotive segment continues to be the primary driver, accounting for 81% of total financing in the BNT region, while the non-automotive segment contributed 19%. This business mix reflects the ongoing demand for vehicle financing in the region, alongside growing opportunities in non-automotive financial products.

Strategic Expansion through Infrastructure Development

To support its growth ambitions, Adira Finance officially opened its new regional office, Grha Adira, located in Denpasar, Bali. This new facility serves as a strategic hub for coordinating operational activities across the BNT region. According to Swandajani Gunadi, Director of HR & Marketing at Adira Finance, the new office will enhance service execution quality and employee capabilities through more structured development programs.

Leadership Perspective on Expansion Strategy

Dewa Made Susila, President Director of Adira Finance, emphasized that the inauguration of Grha Adira represents a crucial step in strengthening the company's presence in the BNT region. The new office reflects Adira Finance's commitment to improving service ecosystem, operational quality, and expanding financing reach in a region with significant growth potential.

Recent Corporate Developments

The establishment of Grha Adira follows two significant corporate milestones for Adira Finance: the successful integration of Mandala Finance effective October 1, 2025, and the completion of Arthaasia Finance (AAF) portfolio transfer on November 7, 2025. These strategic moves have expanded Adira Finance's business scale and service volume across various regions, including Bali-Nusa Tenggara. Sylvanus Gani Mendrofa, Finance Director, noted that the new regional office will ensure better coordination and standardized processes to support the company's growing operations.

Network Expansion and Future Outlook

As of October 2025, Adira Finance operates a total of 851 business networks, with 36 networks (4%) located in the Bali-Nusa Tenggara region. The company remains focused on leveraging its expanded network and enhanced operational capabilities to drive further growth in the region.