BFI Finance Reveals Strong Financial Performance in Public Expose

Solid Q3 Results Amid Economic Challenges

BFI Finance (BFIN) conducted its public expose on November 28, 2025, showcasing the company's resilience in the current economic landscape. The event was held virtually and featured key executives including President Director Sutadi and CFO Sudjono.

Key Financial Highlights

The financial results presented during the public expose demonstrated BFI Finance's robust performance:

• Net profit reached Rp1.2 trillion as of September 2025, indicating strong operational efficiency
• Total managed receivables stood at Rp26.0 trillion, reflecting the company's significant market presence
• Total assets amounted to Rp25.4 trillion in Q3 2025, showing stable financial standing
• New financing (booking) grew by 15.2% year-on-year and 9.9% quarter-on-quarter, demonstrating successful business development

Portfolio Composition and Risk Management

The company's financing portfolio remains diversified:

• 69% in automotive financing (new and used vehicles through dealer and non-dealer channels)
• 15% in heavy equipment and industrial machinery financing
• 8% in multi-purpose financing backed by vehicle ownership certificates
• 5% in working capital and property-backed financing
• 3% in Sharia-based financing for various purposes including Umrah and used car financing

Asset Quality and Capital Management

BFI Finance maintained excellent asset quality metrics:

• Gross NPF ratio of 1.55% and net NPF ratio of 0.26%
• Gearing ratio at 1.2 times, indicating healthy leverage
• Strong coverage ratio for NPF, maintaining financial stability

2025 Outlook and Targets

For the full year 2025, BFI Finance is targeting:

• 4% year-on-year asset growth
• 10% growth in total financing disbursement
• Less than 2% gross NPF ratio
• Gearing ratio of 1.3 times
• Dividend payout ratio up to 50%

The company's guidance reflects confidence in its business model and ability to navigate the current economic environment while maintaining financial discipline.