Immersive Translate

CREDIT PROPOSAL
General Info
Debtor’s Name Debtor's Name	PT Anugerah Bunda Khatulistiwa (“ABK”) PTAnugerah Bunda Khatulistiwa ("ABK")	CFR No.	CA.WB.2025.1.152837 (13 Jan 2025) CA. WB.2025.1.152837 (13 Jan 2025)
				CFR Type	New to Bank
				ESRA	N/A
				DHN Check & SLIK	Clear (based on SLIK Checking result as per 17 Dec’24) Clear (based on SLIK Checking result as per 17 Dec'24)
Debtor’s Group Debtor's Group	N/A	Approval Level	CoB + Credit Group Head + ack. From CCE Credit Risk Management ^*⁾
Business & Sub Industry Risk	Hospital – Medical & Pharmaceutical LOW risk based on CRH 2 Ver. 10a	Relationship	Client since 2010
Business & Sub Industry Risk				CRG	Previous Approved CRG	AFS 2023	IFS Sep’24 IFS Sep'24	Proposed CRG
Total Limit Debtors	IDR 130 Bn	ABK	n/a	9A	9A	9A
Total Limit Group	N/A	CRG downgraded 2 minor notches karena Credit limit > IDR 100 Bn namun untuk Audited FS masih menggunakan 3^rd Tier KAP & SAK ETAP Method. CRG downgraded 2 minor notches due to Credit limit > IDR 100 Bnbut for Audited FS still uses3^rd Tier KAP & SAK ETAP Method. CRG IFS Sep’24 juga dilakukan downgrade dengan pertimbangan sesuai info yang diperoleh untuk AFS 2024 masih akan menggunakan metode SAK ETAP CRG IFS Sep'24 was also downgraded with consideration according to the information obtained for AFS 2024 will still use the SAK ETAP method.
LLL (Dec-2024)	IDR 12.7 Tn (Regulator) & IDR 12.1 Tn (Internal)
EAR Status	N/A	WACG*	9A
Account Strategy	Grow	Customer Classification (SLIK / 3 Digit) Customer Classification (SLIK / 3 Digits)	900 (Perusahaan lainnya – Swasta) 900 (Other companies – Private)
Borrowers Business (6 Digit) Borrowers Business (6 Digits)	851001 (Jasa Kesehatan Manusia – Rumah Sakit) 851001 (Human Health Services – Hospitals)	Customer Classification (LBU / 3 Digit) Customer Classification (LBU / 3 Digits)	900 (Perusahaan lainnya – Swasta) 900 (Other companies – Private)
Customer Category	99 (Non UMKM) 99 (Non-MSMEs)	Customer Classification (BSL/ 4 Digit )	8159 (Bukan Lembaga Keuangan – Swasta Nasional – Lainnya) 8159 (Non-Financial Institutions – National Private – Other)
KUK / NON KUK YOKE / NON YOKE	NON KUK YOKE	SLIK Industry Sector (4 Digit) SLIK Industry Sector (4 Digits)	9220 (Jasa-jasa Sosial Masyarakat – Kesehatan – Tempat Perawatan) 9220 (Community Social Services – Health – Places of Care)
Go Public	No It	KUBL	K13- - Belum tersedia /informasi K13- - Not yet available /info
THI/TKBI EXAM/TKBI	Tidak dilakukan assessment THI/TKBI No THI/TKBI assessment	Thematic	SU05 – Belum tersedia / informasi SU05 – Not yet available / information
KBLI Level 5	Lainnya Other
PROPER Rank	NA (Based on Ministry of Environment and Forestry through Letter No. SK.1299/MENLHK/SETJEN/KUM.1/12/2022)

Notes:

Refer DOA ver 33, limit ≤ IDR 200 Bn approval Div Head Commba + Credit Group Head namun dikarenakan terdapat Breach on Industry Portfolio Cap (Medical Pharmaceutical) maka pengajuan memerlukan Approval dari Chief of Business + Credit Group Head + Ack. From CCE Credit Risk Management
Refer DOA ver 33, limit ≤ IDR 200 Bn approval Div Head Commba + Credit Group Head but because there is B reach on Industry Portfolio Cap (Medical Pharmaceutical), the submission requiresApproval from Chief of Business + Credit Group Head + Ack. From CCE Credit Risk Management

WB Risk Appetite: Based on Risk Appetite Statement and Risk Tolerance, maximum exposure for NTB with CRG 9 and collateral coverage >50% is IDR 700 Bn, and therefore the proposed limit of IDR 130 Bn is still within Risk Appetite Statement & Risk Tolerance limit.

Summary of Credit Facilities / in IDR Mn
Facility	CCY	Existing	Change	Proposed	OS	Maturity Date	Collateral
Term Financing 1 - MMQ ASSET Term Financin 1 - MMQ ASSET	IDR	0	120,000	120,000	n/a	120 Bulan 120 Months (24 Bulan AP & GP + (24 Months AP & GP+ 96 Bulan Masa Angsuran) 96 Months Installment Period)	L&B IDR 166,924 Mn HT IDR 162,500 Mn *Detail refer to Appendix D
Term Financing 2 - MMQ ASSET Term Financin 2 - MMQ ASSET	IDR	0	10,000	10,000	n/a	84 Bulan 84 Months (24 Bulan AP & GP + (24 Months AP & GP+ 60 Bulan Masa Angsuran) 60 Months Installment Period)
TOTAL FACILITY	Eq. IDR Eq. USD	0	130,000	130,000	n/a		CCR : 125% (Nilai HT) CCR : 125% (HT Value)

Notes:

AP dihitung dari tanggal setting fasilitas & GP dihitung dari pencairan pertama TF1.
AP is calculated from the facility setting date & GP is calculated from the first disbursement of TF1.

Pengajuan AP & GP selama 24 bulan dengan pertimbangan proses pembangunan gedung tambahan memerlukan waktu sekitar 2 tahun dan debitur juga memerlukan cash flow perusahaan untuk porsi self financing atas rencana capex ini. Selain itu, pengajuan ini juga bersaing dengan BCA yang telah memberikan penawaran ke debitur dengan GP 24 bulan.
The AP & GP submission for 24 months considering the process of building additional buildings takes about 2 years and the debtor also needs the company's cash flow for the self-financing portion of this capex plan. In addition, this submission also competes with BCA which has made an offer to debtors with a 24-month GP.

Jaminan L&B berupa rumah sakit existing (RS ABK). Penilaian jaminan menggunakan KJPP Nirboyo Adiputro, Dewi Apriyanti & Rekan tanggal 5 Oktober 2023 (KJPP Non rekanan PB).
L&B guarantee in the form of an existing hospital (ABK Hospital). The collateral assessment uses KJPP Nirboyo Adiputro, Dewi Apriyanti & Partners on October 5, 2023 (KJPP Non-partner PB).

Pricing:

Debtor	Facility Type	Facility Tenor	Pricing	Repricing	Proposed Loan Margin	Pricing Subsidy
PT ABK	TF 1	120 Bulan 120 Months (24 Bulan GP (24 Months GP 96 Bulan Masa Angsuran) 96 Months Installment Period)	BI 7 Days Reverse Repo Rate + 1.5% BI Rate per 28 Januari 2025 = 5.75% + 1.5% = 7.25% BI Rate as of January 28, 2025 = 5.75% + 1.5% = 7.25%	1M	0.53% 0.53% FTP (syariah) 1 month 6.46% and LP 0.26%; FTP (sharia) 1 month 6.46% and LP 0.26%;	No It
PT ABK		TF 2	84 Bulan 84 Months (24 Bulan AP & GP (24 Months AP & GP 60 Bulan Masa Angsuran) 60 Months Installment Period)	BI 7 Days Reverse Repo Rate + 1.5% BI Rate per 2 Januari 2025 = 5.75% + 1.5% = 7.25% BI Rate as of January 2, 2025 = 5.75% + 1.5% = 7.25%	1M	0.53% 0.53% FTP (syariah) 1 month 6.46% and LP 0.26%; FTP (sharia) 1 month 6.46% and LP 0.26%;	No It
Permohonan: Request: Pendebetan provisi dilakukan proporsional per pencairan TF. Provision debiting is carried out proportionally per TF disbursement. Provisi/Komisi include dalam biaya Administrasi karena fasilitas dalam bentuk Syariah. Provisions/Commissions are included in the Administrative fee because the facilities are in the form of Sharia. Berikut perhitungan biaya Admin The following is the calculation of the Admin fee: Administrasi Pertama sebesar IDR 20 Mn untuk fasilitas TF 1 dan IDR 5 Mn untuk fasilitas TF 2 yang akan didebet saat setting fasilitas. The First Administration is IDR 20 Mn for TF 1 facilities and IDR 5 Mn for TF 2 facilities which will be debited during facility settings. Administrasi Kedua akan dikalikan 0.6% dari nominal pencairan TF, didebet per pencairan TF. Thesecond predicate will be multiplied by 0.6% of the nominal TF disbursement, debited perTF disbursement. Limit yang tidak digunakan akan dikenakan commitment fee sebesar 0.6% ketika masa AP berakhir. Unused limits will be subject to a commitment fee of 0.6% when the AP period ends.
RoRWA Non-Subsidy (Above Threshold, threshold at 4.50%)
RoRWA without Pricing Subsidy/Non-Pricing Subsidy: RoRWA Projection: 8.69% Fees Income IDR 9,300 Mn

ACCOUNT PLANNING

No
It

Action Plan

Target

Target Date

Achievement

(vs previous target)

Operating account

Saat ini operating account tidak melalui PB. Pada tahun pertama akan diminta minimal 50% dan di tahun kedua min 80% operating account via PB
Currently, the operating account is not through PB, in the first year it will be requested a minimum of 50% and inthe second year at least 80% of the operating account via PB

50%

Next Term Financing Review

EXECUTIVE SUMMARY:

PT Anugerah Bunda Khatulistiwa - RS ABK (Rumah Sakit Anugerah Bunda Khatulistiwa) merupakan rumah sakit kelas C, didirikan pada tahun 2006 dan mulai beroperasi pada tanggal 29 September 2006 sebagai RSIA Anugerah Bunda Khatulistiwa, dan merupakan Rumah Sakit swasta murni pertama di Kota Pontianak. Pada tahun 2017 izin operasional berganti menjadi Rumah Sakit Umum yaitu Rumah Sakit Anugerah Bunda Khatulistiwa. Berlokasi di kawasan strategis Kota Pontianak di Jl Ahmad Yani 1 yang merupakan jalan protokol Kota Pontianak.
PT Anugerah Bunda Khatulistiwa - ABK Hospital (Anugerah Bunda Khatulistiwa Hospital) is a class C hospital, established in 2006 and began operating on September 29, 2006 as RSIA Anugerah Bunda Khatulistiwa, and is the first pure private hospital in Pontianak City. In 2017 the operational permit was changed to a General Hospital, namely Anugerah Bunda Khatulistiwa Hospital. Located in a strategic area of Pontianak City on Jl Ahmad Yani 1 which is a protocol road of Pontianak City.

RS ABK memiliki fasilitas kesehatan baik untuk layanan rawat jalan, medical check up maupun rawat inap. RS ABK memiliki 54 kamar dengan total 115 tempat tidur yang dibagi ke dalam 6 tipe kamar rawat inap termasuk ruang rawat intensif (NICU dan ICU). Dilengkapi pula dengan sarana penunjang diagnostik yang modern seperti Dental Panoramik, USG 4 Dimensi, Laparoskopi, Histeroskopi, dan lain-lain. Unit layanan unggulan Morula IVF (anak perusahaan PT ABK) Pontianak, sebagai pusat rujukan kasus Infertil untuk Pulau Kalimantan.
ABK Hospital has health facilities for outpatient services, medical check-ups and inpatient services. ABK Hospital has 54 rooms with a total of 115 beds which are divided into 6 types of inpatient rooms including intensive care units (NICU and ICU). It is also equipped with modern diagnostic support facilities such as Panoramic Dental, 4-Dimensional Ultrasound, Laparoscopy, Hysteroscopy, and others. The flagship service unit of Morula IVF (a subsidiary of PT ABK) Pontianak, as a referral center for Infertile cases for the island of Kalimantan.

RS ABK didirikan oleh gabungan professional (dokter) dan pengusaha-pengusaha di Pontianak, nama dokter dan pengusaha yang mengisi list pemegang saham sebagian besar personnya cukup ternama dan dikenal di Kalimantan Barat. Dokter-dokter ini juga praktek di RS ABK. Direktur utama saat ini dipegang oleh salah satu Dokter yaitu Dr Syanurall Lubis, sedangkan Direktur keuangan dari background pengusaha yaitu Bapak Mahendra Jaya.
ABK Hospital was established by a combination of professionals (doctors) and entrepreneurs in Pontianak, the names of doctors and entrepreneurs who fill the list of shareholders, most of the persons are quite well-known and known in West Kalimantan. These doctors also practice at ABKD Hospital, the main director is currentlyheld by one of the doctors, Dr. Syanurall Lubis, while the financial director from a businessman background, Mr. Mahendra Jaya.

RS ABK, sudah terlanjur dikenal sebagai RSIA, sehingga merupakan rujukan pertama untuk Masyarakat Kota Pontianak untuk konsul kehamilan, kelahiran dan pengobatan anak, sehingga majority pasien adalah untuk proses kelahiran ataupun pasien anak. Walaupun saat ini sudah mulai banyak pasien umum dan IGD sudah cukup banyak menerima pasien dewasa. Dari keterangan manajemen, persentase awalnya berkisar 70% pasien Ibu dan Anak (dalam rangka kehamilan dan sakit anak), dan 30% pasien umum, dan porsi pasien umum makin lama semakin bertambah.
ABK Hospital, already known as RSIA, is the first referral for the Pontianak City Community for pregnancy, birth and child treatment consultancy, so that the majority of patients are for the birth process or pediatric patients. Although currently there are many general patients and the emergency room has accepted quite a lot of adult patients. From the management's information, the initial percentage was around 70% of maternal and child patients (in the context of pregnancy and child illness), and 30% of general patients, and the portion of general patients was increasing.

Profil PT ABK yang menampilkan dokter dan layanan-layanan RS ABK akan di tampilkan di Appendix additional info.
The profile of PT ABK which displays the doctors and services of ABK Hospital will be displayed inApage additional info.

BRIEF PROPOSAL/FACILITY PURPOSE

Rationale for new facility:

Dimohonkan oleh PT ABK Refinancing Asset Rumah Sakit Existing sebesar IDR 130 Bn
Applied by PT ABK Refinancing Asset Hospital Existing in the amount of IDR 130 Bn.

Berdasarkan penilaian KJPP, asset 1 RS ABK per Oct 2023 mencapai IDR 207.4 Bn namun jika di-break tanah dan bangunan yang direfinancing (diluar sarana pelengkap, mesin dan inventaris) adalah sebesar IDR 166.9 Bn  bank financing 78%.
Based on KJPP's assessment, the asset 1 of RS ABK as of Oct 2023 reached IDR 207.4 bn namun if theland and buildings that were refinanced (excluding complementary facilities, machinery and inventory) were IDR 166.9 bn bank financing 78%.

Dana refinancing ditujukan untuk membiayai Pembangunan Penambahan Gedung Rumah Sakit yang terletak di belakang rumah sakit existing dengan nilai CAPEX sebesar IDR 181 Bn (bank financing 72%) dengan detail sbb:
Therefinancingis intended to finance the Construction of an Additional Hospital Building located behind the existing hospital with a CAPEX value of IDR 181 Bn (72% bank financing) with the following details:

Refinancing akan dibagi menjadi 2 fasilitas sbb:
Refinancing will be divided into 2 facilities as follows:

Term Financing 1 - MMQ IDR 120 Bn (tenor 120 Bulan terdiri dari AP & GP 24 bulan + masa angsuran 96 bulan)
Term Financing 1 - MMQ IDR 120 Bn (120 Months tenor consists of AP & GP 24 months + 96 months installment period)

Note: Dana akan digunakan untuk pembangunan fisik Gedung dengan total RAB konstruksi IDR 152 Bn (RAB no 4 & 6-14) - bank financing 79%.
Note: Funds will be used for the physical construction of the Building with a total construction RAB of IDR 152 Bn (RAB no 4 & 6-14) - bank financing 79%.

Syarat Pencairan Term Financing 1 MMQ IDR 120 Bn
Disbursement Requirements Term Financing 1 MMQ IDR 120 Bn:

Untuk pencairan pertama kali: Wajib tersedia Surat Perjanjian Kerjasama/MoU antara pihak PT ABK dan kontraktor Pembangunan Gedung dan menyerahkan RAB Final
For the first disbursement: A Cooperation Agreement/MoU must be available between PT ABK and the Building Construction contractor and submit the Final RAB.

Penarikan dapat dilakukan secara bertahap, sesuai dengan progress Pembangunan yang telah berjalan.
Withdrawals can be made in stages, according to the progress of the development that has been carried out.

Menyerahkan underlying Invoice/Tagihan dari Kontraktor atau supplier terkait dengan proses pembangunan tambahan Gedung baru (ack CBH)
Submit the underlying Invoice from the Contractor or supplier related to the process of additional construction of the new building (ack CBH)

Total Penarikan maksimal 80% dari invoice/tagihan yang dikeluarkan oleh kontraktor/supplier atau total pencairan maksimal IDR 120,000 Mn (mana yang lebih rendah).
Total withdrawal is a maximum of 80% of invoices/bills issued by contractors/suppliers or a maximum total disbursement of IDR 120,000 Mn (whichever is lower).

Hasil pencairan wajib ditransfer langsung ke rekening Kontraktor atau Supplier. Dapat dilakukan ke rekening Nasabah (reimburse) dengan melampirkan bukti transfer.
The disbursement results must be transferred directly to the Contractor or Supplier's account. This can be done to the Customer's account (reimburse) by attaching proof of transfer.

Porsi self financing sebesar 20% ditempatkan pada rekening Nasabah di Bank Permata untuk ditransfer bersamaan dengan hasil pencairan fasilitas TF 1 ke rekening kontraktor/supplier. Apabila porsi self financing sudah dibayarkan, maka wajib dilampirkan bukti transfer ke kontraktor/supplier.
The self-financing portion of 20% is placed in the Customer's account at Bank Permata to be transferred together with the disbursement of the TF 1 facility to the contractor/supplier's account. If the portion of self-financing has been paid, proof of transfer to the contractor/supplier must be attached.

Term Financing 2 – MMQ IDR 10 Bn (tenor 84 Bulan terdiri dari AP & GP 24 bulan + masa angsuran 60 bulan)
Term Financing 2 – MMQ IDR 10 Bn (84 Months tenor consists of AP & GP 24 months + 60 months installment period)

Note: Dana akan digunakan untuk pembiayaan peralatan medis dengan total RAB IDR 20.7 Bn (RAB no 16,17,19) – bank financing 48%.
Note: Funds will be usedto finance medical equipment with a total of RAB IDR 20.7 Bn (RAB no 16,17,19) – bank financing 48%.

Syarat Pencairan Term Financing 2 MMQ IDR 10 Bn:
Terms of Disbursement of Term Financing 2 MMQ IDR 10 Bn:

Menyerahkan underlying Invoice/Tagihan dari Supplier terkait dengan pembelian peralatan medis (ack CBH)
Submit the underlying Invoice from the Supplier related to the purchase of medical equipment (ack CBH)

Penarikan dapat dilakukan secara bertahap.
Withdrawals can be made in stages.

Total Penarikan maksimal 80% dari Invoice/Tagihan dari Supplier atau total pencairan maksimal IDR 10 Bn (mana yang lebih rendah)
Maximum total withdrawal of 80% of Invoice/Bill from Supplier or total disbursement of maximum IDR 10 Bn (whichever is lower).

Hasil pencairan wajib ditransfer langsung ke Supplier. Dapat dilakukan ke rekening debitur (reimburse) dengan melampirkan bukti transfer
The disbursement results must be transferred directly to the Supplier. It can be done to the debtor's account (reimburse) by attaching proof of transfer.

Porsi self financing sebesar 20% ditempatkan pada rekening Nasabah di Bank Permata untuk ditransfer bersamaan dengan hasil pencairan fasilitas TF 2 ke rekening supplier. Apabila porsi self financing sudah dibayarkan, maka wajib dilampirkan bukti transfer ke supplier.
The self-financing portion of 20% is placed in the Customer's account at Bank Permata to be transferred together with the disbursement of the TF 2 facility to the supplier's account. If the portion of self-financing has been paid, proof of transfer to the supplier must be attached.

Note:

Gedung RS yang akan dibangun berada di atas tanah yang menjadi jaminan Bank Permata (sebelumnya digunakan sebagai area parkir). Area parkir sementara akan dipindahkan ke beberapa Lokasi, belakang Rumah Sakit, di Rumah Makan Ayam Remaja, dan komplek Ruko disebelah Jamsostek.
The hospital building to be built is on land that is guaranteed by Bank Permata (previously used as a parking area). The temporary parking areawill be moved to several locations, behind the hospital, at the Teenage Chicken Restaurant, and the Shophouse complex next to Social Security.

Berdasarkan LPA, Sertifikat tanah atas bangunan RS ABK existing sebagian besar atas nama perorangan. Namun terdapat akta pernyataan bahwa tanah tersebut adalah milik ABK sehingga tanah tersebut telah dibukukan pada Laporan Keuangan Perusahaan meskipun belum dilakukan balik nama ke an. ABK. Detail akta sbb:
Based on the LPA, the land certificates for the existing ABK Hospital building are mostly in the name of individuals. However, there is a deed of statement that the land belongs to ABK so that the land has been recorded in the Company's Financial Statements even though the name has not been changed to an. ABK. The details of the deed are as follows:

Akta no 19 tgl 28 Dec 2017
Deed no 19 on 28 Dec 2017

Menyatakan bahwa SHM 1155 (saat ini SHGB 84); SHM 1156 (saat ini SHGB 86); SHM 1157 (saat ini SHGB 80); SHM 1158 (saat ini SHGB 83); SHM 1159 (saat ini SHGB 82); SHM 1160 (saat ini SHGB 81); SHM 1161 (saat ini SHGB 85); SHM 1162 (saat ini SHGB 79) atas nama Lim Gek Kiang & Badarul Basin Muchtar merupakan milik PT Anugerah Bunda Khatulistiwa.
Declares that SHM 1155 (currently SHGB 84); SHM 1156 (currently SHGB 86); SHM 1157 (currently SHGB 80); SHM 1158 (currently SHGB 83); SHM 1159 (currently SHGB 82); SHM 1160 (currently SHGB 81); SHM 1161 (currently SHGB 85); SHM 1162 (currently SHGB 79) in the name of Lim Gek Kiang & Badarul Basin Muchtar is owned by PT Anugerah Bunda Khatulistiwa.

Akta no 02 tgl 01 Dec 2023
Deed no 02 on 01 Dec 2023

Menyatakan bahwa SHM 1266 dan SHM 1367 atas nama Mahendra Jaya merupakan milik PT Anugerah Bunda Khatulistiwa.
Declaring that SHM 1266 and SHM 1367 in the name of Mahendra Jaya belong to PT Anugerah Bunda Khatulistiwa.

Nilai L&B di FS total sebesar IDR 163 Bn namun terdapat post Revaluasi asset sebesar IDR 96 Bn yang menurut info ABK sudah ada sejak tahun 2019.
The total L&B value in FS is IDR 163 Bn, but there is a post Revaluation of assets of IDR 96 Bn, which according to ABK info has been in existence since 2019.

PT ABK belum memutuskan kerjasama dengan Kontraktor mana, PT ABK akan lebih dulu deal dalam hal pembiayaan, baru akan mengadakan lelang.
PT ABK has not decided which contractor to cooperate with, PT ABK will first make a deal in terms of financing, then will hold an auction.

Perkiraan Mulai Bangun antara Februari-Maret 2025 dengan Jangka Waktu Pembangunan 24 bulan, namun ceremony peletakan batu pertama sudah dilakukan di November 2024.
It is estimatedthat construction will start between February-March 2025 with a construction period of 24 months, but the groundbreaking ceremony has been carried out in November 2024.

Bangunan yang akan dibangun terdiri dari 12 lantai: 4 lantai parker mobil + 8 lantai bangunan RS. Bangunan akan langsung dioperasikan setelah berdiri, yang paling pertama digunakan adalah gedung parkir sebanyak 4 lantai. Saat ini beberapa layanan sudah siap dan sudah prepare running di bangunan existing sehingga saat Gedung baru jadi sudah dapat langsung dipindahkan.
The building to be built consists of 12 floors: 4 floors of car parking + 8 floors of the hospital building. The building will be operated immediately after it is standing, the first to be used is a 4-storey parking building. Currently, several services are ready and have been prepared to run in the existing buildinguntil the new building is completed, it can be moved immediately.

PT ABK hanya memohon pembiayaan sebesar IDR 130 Bn, atau sebesar 72% dari total RAB. Untuk self financing, pertama pasti mengeluarkan kas Perusahaan dan terinformasi bahwa pemegang saham akan ikut terlibat dalam pembiayaan jika ada kekurangan dana dalam bentuk pinjaman pemegang saham
PT ABK only requested financing of IDR 130 Bn, or 72% of the total RAB. For self-financing, first of all, the Company's cash must be issued and informed that shareholders will be involved in financing if there is a shortage of funds in the form of shareholder loans.

Untuk pengadaan peralatan medis, RS ABK memiliki beberapa rencana
For the procurement of medical equipment, ABK Hospital has several plans:

Kerjasama Operasional (KSO) dengan pemilik merk/alat medis/pihak ketiga, sehingga setiap pemakaian akan dibagi hasil dengan RS ABK, atau
Operational Cooperation (KSO) with brand owners/medical devices/third parties, sothat every use will be shared with ABK Hospital, or

Dibiayai dari Cash Flow Perusahaan
Financed from the Company's Cash Flown

Namun manajemen RS ABK masih belum memutuskan karena masih fokus pada Pembangunan fisik Gedung
However, the management of ABK Hospital still has not decided because it is still focused on the physical construction of the building

Penambahan Gedung baru ini didasari atas beberapa pertimbangan manajemen:
The addition of this new building is based on several management considerations:

Manajemen ingin meningkatkan Type RS, dari Type C menjadi Type B, salah satu syarat untuk meningkatkan type rumah sakit adalah minimal ketersediaan 200 bed, saat ini hanya tersedia 115 Bed. Rencana penambahan bed adalah 165 bed, sehingga total bed akan menjadi 280 bed
The management wants to increase Type RS, from Type C to Type B, one of the requirements to increase the type of hospital is the minimum availability of 200 beds, currently only 115 beds are available. The plan to add beds is 165 beds, so the total number of beds will be 280 beds.

Dengan meningkatkan type RS dari type C ke Type B, akan membuat Tingkat kepercayaan public semakin meningkat.
By increasing the type of RS from type C to Type B, it will make the level of public trust increase.

Selain itu RS ABK ada wacana untuk menerima pasien BPJS, dimana selama ini manajemen masih menolak permintaan BPJS. Aturannya rujukan BPJS dari Rumah Sakit type C harusnya naik ke RS type B, namun karena belum ada RS type B yang menerima pasien BPJS sehingga selama ini rujukan pasien type C langsung naik ke Type A (RSUD Soedarso).
In addition, ABK Hospital has a discourse to accept BPJS patients, where so far the management has still rejected BPJS's request The rule is that BPJS referrals from type C hospitals should go up to type B hospitals, but because there is no type B hospital that accepts BPJS patients, so far the referral of type C patients has been directly raised to Type A (Soedarso Hospital).

Ada RS type B di Pontianak, yaitu RS Antonius, namun hingga kini masih belum menerima pasien BPJS.
There is a type B hospital in Pontianak, namely Antonius Hospital, but until now it has not accepted BPJS patients.

Terdapat penambahan Layanan Kesehatan baru, diantaranya Kesehatan Ibu dan Anak (KIA – KB), tumbuh Kembang (DCDC), Estetik, MCU Corner, Perawatan Luka, Geriatri, Homecare KIA, Homecare Perawatan Luka, dan Fetomaternal, dimana manajemen menganggap saat ini jumlah layanan RS masih kurang dibanding competitor.
There aresix new health services, including Maternal and Child Health (KIA – KB), Growth and Development (DCDC), Aesthetics, MCU Corner, Wound Care, Geriatrics, KIA Homecare, Wound Care Homecare, and Fetomaternal, where the management considers that currently the number of hospital services is still less than competitors.

Penambahan Gedung Parkir. Dari 12 lantai yang akan dibangun, 4 lantai disediakan untuk Parkir Mobil (saat ini parkir mobil yang tersedia sudah full dan sering memakai badan jalan (Jl AR Saleh) untuk menampung kendaraan pengunjung.
Addition of Parking Building. Of the 12 floors to be built, 4 floors are provided for Car Parking (currently the available car parking is full and often uses the road body (Jl AR Saleh) to accommodate visitor vehicles.

Selain itu ada momen-momen Tingkat hunian kamar sangat tinggi (over) misalnya, tanggal bagus (pasien akan memilih tanggal bagus untuk operasi cesar, memilih tanggal lahir anak) dan KLB (Kejadian Luar Biasa). Hal ini kadang membuat RS kewalahan karena kekurangan room dan bed, dimana biasanya terpaksa pasien ditaruh di Lorong-lorong RS.
In addition, there are moments when the room occupancy rate is very high (over) for example, good dates (patients will choose a good date for cesarean section, choose the child's birth date) and KLB (Extraordinary Events).Thissometimes makes hospitals overwhelmed because of the lack of rooms and beds, where patients are usually forced to be placed in hospital corridors.

Dari RAB yang dilampirkan terlihat biaya konstruksi yang dikeluarkan sekitar IDR 152 Bn (RAB no 4, 6-14), dengan luas bangunan 10,490 m² diperoleh biaya bangun skitar IDR 14.5 Mn/m². Manajemen PT ABK memang mengakui biaya fisik bangunan cukup besar karena hal-hal sebagai berikut:
From the attached RAB, it can be seen that theconstruction project was spent around IDR 152 Bn (RAB no 4, 6-14), with a building area of 10,490 m², the construction cost was obtained at IDR 14.5 Mn/m². The management of PT ABK does admit that the physical cost of the building is quite large due to the following things:

Lokasi tanah tidak terlalu besar, dengan bangunan tinggi
The location of the land is not too large, with tall buildings

Bangunan tambahan RS ini rencananya 12 lantai, namun luasan tanah tidak terlalu besar, sehingga bangunan tampak ramping, dan posisi menghadap angin, sehingga spesifikasi bangunan harus khusus mampu menyerap/mengelola terpaan angin, PT ABK mengakui teknologi yang dipakai merupakan teknologi yang cukup mahal, sehingga tampak biaya exterior cukup besar.
The additional building of the hospital is planned to be 12 floors, but the land area is not too large, so the building looks slender, and the position faces the wind, so the building specifications must be specifically able to absorb/manage wind exposure, PT ABK admits that the technology used is quite expensive, so it seems that the exterior cost is quite large.

Ditambah lagi posisi tanah melintang, sehingga beban angin dari arah timur/Sungai akan menerpa cukup kencang, sehingga manajemen menggunakan teknologi yang cukup tinggi untuk mengelola angin tersebut
In addition, the position of the land is transverse, so that the wind load from the east/river will hit quite strongly, so that the management uses high enough technology to manage the wind.

Di dunia konstruksi, hal ini disebut Beban Angin, mengingat nanti lantai dengan lantai 12, artinya RS ABK akan menjadi bangunan tertinggi di sekitar Lokasi, sementara belum ada Gedung tinggi lagi disekitar RS ABK untuk menjadi penahan angin.
In the world of construction, this is called Wind Load, considering that later the floor will be 12 floors, meaning that the ABK Hospital will be the tallest building around the Location, while there are no more tall buildings around the ABK Hospital to become a windbreak.

Kontur Tanah Gambut
Peatland Contours

Kontur tanah di Pontianak termasuk di Lokasi RS adalah tanah Gambut, sehingga cukup sulit untuk membangun bangunan besar ditanah ini, khusus pondasi, RS ABK akan meminta dikerjakan oleh kontraktor lokal yang mengetahui cara kerja untuk tanah gambut. Hal ini karena sudah cukup banyak Perusahaan multinasional yang mengerjakan project bangunan di Pontianak namun hasilnya tidak sesuai yang diharapkan terutama pada turunnya elevasi tanah dari bangunan
The contour of the land in Pontianak, including in the location of the hospital, is peat land, so it is quite difficult to build a large building on this land, especially the foundation, the ABK Hospital will ask to be done by a local contractor who knows how peat soil works. This is because there are quite a lot of multinational companies working on building projects in Pontianak, but the results are not as expected, especially in the decrease in the elevation of the land from the building.

Mobilisasi dan teknis Pembangunan yang cukup rumit
Mobilization and technical development is quite complicated

Untuk memasukkan material bangunan yang Panjang dan berat, cukup sulit, karena akses jalan hanya bisa lewat Jl AR Saleh yang hanya bisa diakses 1 mobil jenis mobil keluarga (SUV/MPV). Akan digunakan teknologi dari Jepang untuk membangun, sehingga bangunan akan banyak menggunakan besi, tidak banyak menggunakan cor semen, manajemen mengibaratkan Pembangunan akan disusun seperti Lego
To enter long and heavy building materials, it is quite difficult, because road access can only be through Jl AR Saleh which can only be accessed by 1 family car type car (SUV/MPV). Technology from Japan will be used to build, so that buildings will use a lot of iron, not much cast cement, management likens development to Lego

Lokasi Pembangunan ada di Pontianak / Kalimantan Barat
The location of the development is in Pontianak / West Kalimantan

Menurut manajemen, dengan biaya bangun tersebut masih masuk pada anggaran, mengingat harga barang di Kalimantan berbeda dengan di Jakarta, ada ongkos kirim bahan bangunan, pekerja dan biaya mobilisasi alat
According to the management, with the cost of building still included in the budget, considering that the price of goods in Kalimantan is different from that in Jakarta, there are costs for sending building materials, workers and equipment mobilization costs.

PERMOHONAN KHUSUS
SPECIAL REQUESTS:

Saat ini PB sedang kompetisi dengan Bank lain (BCA, Mandiri, BRI, OCBC), permohonan utama debitur adalah sebagai berikut
Currently, PB is competing with other banks (BCA, Mandiri, BRI, OCBC), the main requests of debtors are as follows:

Pricing : Debitur memohon Rate maksimal BI RATE + 1.5% sepanjang tenor fasilitas
Pricing: Debtors request a maximum rate of BI RATE + 1.5% throughout the tenor of the facility

Tenor : GP 2 tahun + Angsuran (P+I) 8 tahun , total Jangka Waktu 10 tahun
Tenor : GP 2 years + Installment (P+I) 8 years, total term 10 years

Saat ini posisi PB tertinggal secara waktu, diketahui BCA dan BRI sudah mendapat approval, hal ini dikarenakan sepanjang tahun 2024 cabang tidak berhasil menemui PIC yang tepat, debitur masih membuka peluang kepada PB karena cabang bisa berhasil menjalin hubungan yang baik dengan salah satu owner.
Currently, PB's position is lagging behind in time, it is known that BCA and BRI have received approval, this is because throughout 2024 the branch has not managed to find the right PIC, the debtor is still open to PB because the branch can succeed in establishing a good relationship with one of the owners.

Note: pemegang saham ABK yang sudah menjadi nasabah PB adalah Bp Lim Gek Khiang dengan total AUM per 22 Jan’25 sebesar IDR 14.7 Bn.
Note: ABK's shareholder who has become a PB customer is Bp Lim Gek Khiang with a total AUM as of 22 Jan'25 of IDR 14.7 Bn.

OTHER REQUEST

Pengajuan refinancing dengan pemberian GP 2 tahun.
Refinancing application with the provision of a 2-year GP.

Justifikasi: dana refinancing digunakan untuk pembangunan gedung RS tambahan di belakang gedung existing. Proses pembangunan memerlukan waktu sekitar 2 tahun dan debitur juga memerlukan cash flow perusahaan untuk porsi self financing atas rencana capex ini. Selain itu, pengajuan ini juga bersaing dengan BCA yang telah memberikan penawaran ke debitur dengan GP 24 bulan.
Justification: the refinancing funds are used for the construction of an additional hospital building behind the existing building. The development processtakes about 2 years and the debtor also needs the company's cash flow for the self-financing portion of this capex plan. In addition, this submission also competes with BCA which has made an offer to debtors with a 24-month GP.

Penggunaan Laporan Penilaian External periode Oktober 2023 dan KJPP Non rekanan PB
Use of External Assessment Report for the October 2023 period and KJPP Non-PB partners

Justifikasi:
Justification:

PT ABK sudah melakukan penilaian untuk asset Perusahaan menggunakan KJPP Nirboyo Adiputro, Dewi Apriyanti & Rekan tanggal 5 Oktober 2023. (KJPP Nirboyo merupakan KJPP Non rekanan PB)
PT ABK has conducted an appraisal for the Company's assets using KJPP Nirboyo Adiputro, Dewi Apriyanti & Partners on October 5, 2023. (KJPP Nirboyo is a non-PB partner KJPP).

Hal ini dimohonkan karena ada biaya untuk penilaian, namun jika proposal disetujui maka penilaian ulang wajib untuk dilakukan maksimal 2 bulan setelah signing.
This is requested because there is a fee for the assessment, but if the proposal is approved, the reassessmentmust be carried out 2 months after signing.

Tidak dapat diperoleh hasil review Colval karena objek penilaian berupa Rumah Sakit yang merupakan objek diluar kompetensi Internal Appraisal
The results of the Colval review could not be obtained because the object of the assessment was in the form of a hospital which was an object outside the competence of Internal Appraisal

Adapun pertimbangan BU tetap mengajukan penggunaan LPA dari KJPP Nirboyo yaitu
The consideration of BU continues to apply for the use of LPA from KJPP Nirboyo, namely:

Tidak terdapat negatif info terhadap KJPP Nirboyo (cabang Pontianak)
There is no negative information about KJPP Nirboyo (Pontianak branch)

Terinformasi KJPP Nirboyo, sudah bekerjasama hampir di semua Bank (di Pontianak) Danamon, CIMB, BCA, Mandiri, OCBC, kebetulan PB yang belum bekerjasama dengan KJPP Nirboyo.
It is informed that KJPP Nirboyo has collaborated in almost all banks (in Pontianak) Danamon, CIMB, BCA, Mandiri, OCBC, coincidentally PB has not collaborated with KJPP Nirboyo.

Saat ini PB sedang kompetisi dengan Bank lain untuk memberikan approval kredit kepada customer (Mandiri, BCA, OCBC dan BRI) semua bank ini menggunakan LPA dari KJPP Nirboyo sebagai acuan untuk pemberian fasilitas kreditnya.
Currently, PB is competing with other banks to provide credit approval to customers (Mandiri, BCA, OCBC and BRI), all of these banks use LPA from KJPP Nirboyo as a reference for the provision of credit facilities.

Permohonan ini cukup urgent karena posisi PB saat ini masih on proses, sedangkan competitor sudah memberikan persetujuan kepada customer, namun dengan tidak mengurangi prinsip kehati-hatian BU merasa KJPP ini cukup baik, BU juga kenal PIC di Pontianak dan pernah diskusi, dan tampak KJPP ini cukup berhati-hati dalam memberikan statement penilaian
This application is quite urgent because the current position of PB is still on process, while competitors have given approval to customers, but without reducing the principle of prudence, BU feels that this KJPP is quite good, BU also knows PIC in Pontianak and has had discussions, and it seems that this KJPP is quite careful in providing an assessment statement

Secara terpisah BU, telah konsultasi secara Lisan dengan KJPP Wahyu Yasir Purnamasari & Rekan dimana dengan harga tanah dan bangunan sesuai yang diterbitkan oleh KJPP Nirboyo, masih dianggap wajar/acceptable
Separately, BU, has consulted verbally with KJPP Wahyu Yasir Purnamasari & Partners where with the price of land and buildings according to the publication by KJPP Nirboyo, it is still considered reasonable / acceptable

Permohonan Aset yang dijaminkan adalah berupa Rumah Sakit
The collateralized Asset Application is in the form of a Hospital

Justifikasi:
Justification:

Seusai DOI, Rumah Sakit termasuk dalam kategori Restricted Collaterall, sehingga membutuhkan approval as DoA untuk dapat dijadikan jaminan
After the DOI, the hospital is included in the Restricted Collaterall category, so it requires approval as DoA to be used as collateral

Pertimbangan RS ini tetap dijadikan Jaminan adalah sebagai berikut
The considerations for this hospital to remain as a guarantee are as follows:

RS yang dijaminkan adalah RS swasta bukan milik pemerintah daerah, sehingga worse case jaminan dapat dieksekusi tanpa melibatkan pemerintah daerah
The guaranteed hospital is a private hospital that does not belong to the local government, so that the worst case of guarantee can be executed without involving the local government

RS yang dijaminkan merupakan tempat praktek dokter-dokter owner PT ABK, sehingga moral obligation akan sangat tinggi.
The pledged hospital is the place where the doctors who own PT ABK practice, so the moral obligation will be very high.

Jika worse case dieksekusi Lokasi RS sangat ideal untuk alih fungsi menjadi Hotel ataupun kantor, jika buyer tidak melanjutkan fungsi RS. RS ABK berada di Jalan utama kota Pontianak, posisi di depan Kantor Gubernur, di dekat kantor Bank Indonesia, sebelah kantor BPJS ketenagakerjaan, sehingga posisi asset sangat baik.
If the worst case is executed, the location of the hospital is ideal for changing the function to a hotel or office, if the buyer does not continue the function of the hospital. ABK Hospital is located on the main road of Pontianak city, in front of the Governor's Office, nearthe Bank Indonesia office, next to the BPJS Employment office, so the asset position is very good.

TC hanya dilakukan ke 4 supplier & tidak dilakukan TC ke buyer
TC is only done to 4 suppliers and no TC is done to buyers

BU telah menghubungi 5 supplier RS ABK, namun hanya 4 supplier yang berhasil terhubung dan respon TC positif. Supplier RS ABK majority adalah supplier obat-obatan, alat-alat medis dan AMHP (alat medis habis pakai), RS ABK memiliki puluhan supplier sehingga tidak ada supplier yang memiliki porsi supply diatas 10%. Untuk TC Buyer tidak dapat dilakukan karena buyer adalah end user langsung
BU has contacted 5 suppliers of ABK Hospital, but only 4 suppliers have managed to connect and the TC response is positive. RS ABK majority suppliers are suppliers of medicines, medical devices and AMHP (consumable medical equipment)RS ABK has dozens of suppliers so that no supplier has a supply portion above 10% For TC Buyer cannot be done because the buyer is a direct end user.

Ack pemberian new risk trigger & covenant refer to Appendix G.
Ack granting new risk triggers & covenants refer to Appendix G.

Breach tenor TF. Sesuai Credit Policy, Maksimal Tenor TL untuk CRG 9 adalah 5 tahun, namun BU tetap mengajukan tenor TF 1 MMQ = 10 tahun dan TF 2 MMQ = 7 tahun
Breach tenor TF. According to the Credit Policy, the Maximum Tenor TL for CRG 9 is 5 years, but BU still applies for a tenor of TF 1 MMQ = 10 years and TF 2 MMQ = 7 years.

Justifikasi:
Justification:

Debitur mengajukan tenor yang cukup panjang sesuai dengan cashflow perusahaan
Debtors apply for a long enough tenor according to the company's cash flow.

Kompetitor diketahui telah setuju dengan jangka waktu yang diminta debitur (BU & Branch sudah sempat melihat OL yang dikeluarkan BCA)
The competitor is known to have agreed to the period requested by the debtor (BU & Branch has already seen the OL issued by BCA).

Peralatan medis yang dibiayai oleh fasilitas TF 2 MMQ tidak dijaminkan.
Medical equipment financed by the TF 2 MMQ facility is not guaranteed.

Justifikasi:
Justification:

Debitur telah memberikan asset L&B RS existing sebagai jaminan dan sudah cukup mengcover fasilitas yang diberikan dengan SCR 125% (berdasarkan nilai HT dimana nilai HT IDR 162.5 Bn lebih rendah dibanding MV IDR 167 Bn).
The debtor has provided existing L&B RS assets as collateral and has sufficiently covered the facilities provided with an SCR of 125% (based on the value of HT where the value of HT IDR 162.5 Bn is lower than MV IDR 167 Bn).

Bangunan yang akan dibangun juga berada di atas tanah yang menjadi jaminan Bank Permata sehingga apabila bangunan telah selesai dibangun diperkirakan MV jaminan akan menjadi IDR 227 Bn (MV saat ini IDR 167 Bn + biaya konstruksi (RAB No 4) IDR 60 Bn).
The building to be built is also on land that is guaranteed by Bank Permata, so if the building has been completed, it is estimated that the guarantee MV will be IDR 227 Bn (MV is currently IDR 167 Bn + construction cost (RAB No 4) IDR 60 Bn).

Pembayaran pokok Term Financing 1 - MMQ IDR 120 Bn menggunakan skema step up dengan rincian sbb:
Principal payment Term Financing 1 - MMQ IDR 120 Bn using a step up scheme with the following details:

	Thn 1 1 year	Thn 2 2 years	Thn 3 Yr 3	Thn 4 4 years	Thn 5 5 years	Thn 6 Yr 6	Thn 7 Yr 7	Thn 8 8 yrs	Thn 9 9 years	Thn 10 10 yrs
% Pokok Tree %	0% (GP)	0% (GP)	5.50%	13.50%	13.50%	13.50%	13.50%	13.50%	13.50%	13.50%

RISK ANALYSIS

BRIEF BACKGROUND:

PT ABK, merupakan usaha gabungan antara pengusaha dan dokter, sehingga dari sisi keuangan dan pengembangan RS dibantu oleh kalangan pengusaha (direktur Keuangan merupakan pengusaha), sedangkan untuk teknis dan operasional RS dicover oleh dokter.
PT ABK, is a joint venture between entrepreneurs and doctors, so that in terms of finance and the development of the hospital isassisted by entrepreneurs (the director of finance is a businessman), while the technical and operational of the hospital is covered by doctors.

Pemegang saham ± 30% oleh pengusaha (8 orang) dan ±70% dimiliki oleh Dokter (22 orang)
Shareholders ± 30% by businessmen (8 people) and±70% owned by Doctors (22 people)

Dokter-dokter di ABK cukup sibuk dengan pelayanan ke pasien, hingga cukup sulit ditemui dan tidak sempat untuk handle dari sisi keuangan, sehingga perpaduan ini dirasa cukup baik keuangan dihandle oleh pengusaha yaitu Bp Mahendra. Background Bpk Mahendra merupakan Pengusaha dibidang Distribusi Pupuk, Dosen Ekonomi di salah satu Fakultas dan pemilik salah satu apotik
The doctors at ABK are quite busy with services to patients, so it is quite difficult to meet and do not have time to handle from the financial side, so this combination is considered quite good financially handled by businessmen, namely Mr. Mahendra. Background Mr. Mahendra is an Entrepreneur in the field of Fertilizer Distribution, Lecturer of Economics in one of the Faculties and owner of one of the pharmacies.

Salah satu owner & Pemilik Jaminan yaitu Bp Lim Gek Khiang adalah juga Pemegang Saham PT Anzon (debitur PB), namun ybs bukanlah pengendali dalam RS ABK, karena majority Pemegang Saham adalah dari kalangan dokter, namun ybs adalah salah satu pengusaha senior di Pontianak sehingga cukup dihormati jika ada rapat pemegang saham
One of the owners & Guarantee Owners, namely Mr. Lim Gek Khiang, is also a Shareholder of PT Anzon (PB debtor), but he is not a controller in ABK Hospital, because the majority of Shareholders are doctors, but he is one of the senior businessmen in Pontianak so it is quite respected if there is a shareholder meeting.

Note: Anzon Group (PT Anzon Autoplaza dan PT Automobil Borneo Perdana) yang merupakan debitur PB dengan total limit group IDR 247 Bn (Excl. RL BTB IDR 35 Bn) dengan Bp Lim Gek Khiang sebagai keyperson (Direktur dan SH). Namun tidak dilakukan Grouping antara Anzon Group dan PT ABK dengan pertimbangan
NoteAnzon Group (PT Anzon Autoplaza and PT Automobil Borneo Perdana) which is a PB debtor with a total limit group of IDR 247 Bn (Excl. RL BTB IDR 35 Bn) with Mr. Lim Gek Khiang as the keyperson (Director and SH). However, Grouping was not carried out between Anzon Group and PT ABK with consideration:

Saham Bp Lim Gek Khiang pada PT ABK hanya 6.84% dan posisi sebagai komisaris. Kesamaan anggota pengurus dan pemegang saham <50%.
Saham Bp Lim Gek Khiang in PT ABK is only 6.84% and the position as commissioner is the same as the board members and shareholders <50%.

Bp Lim Gek Khiang bukan pengendali atas usaha Rumah Sakit ABK.
Bp Lim Gek Khiang is not the controller of the ABK Hospital's business.

Walaupun Bp Lim Gek Khiang merupakan pemilik jaminan yang tertera di sertifikat namun terdapat akta penyerahan hak atas tanah tsb kepada ABK
Although Bp Lim Gek Khiang is the owner of the guarantee stated in the certificate, there is a deed of transfer of the land rights to the crew

Berdasarkan form analisa kelompok peminjam, ABK tidak perlu dilakukan grouping dengan Anzon Group.
Based on the borrower group analysis form, ABK does not need to be grouped with Anzon Group.

Berikut ini rincian susunan pemegang saham Anzon Group
The following are the details of the composition of Anzon Group's shareholders:

Note: AAP (PT Anzon AutoPlaza); AAL (PT Anzon Auto Lestari), ABP (PT Automobil Borneo Perdana)

Berikut ini susunan pengurus dari PT ABK:
The following is the composition of the management of PT ABK:

COMPANY BUSINESS ACTIVITY

RS ABK, saat ini sudah running selama 18 tahun, sebagai Rumah Sakit swasta pertama di Pontianak, membuat nama RS ABK sudah sangat familiar dan menjadi tujuan pertama pasangan suami istri di Pontianak untuk melakukan pengecekan kehamilan, proses persalinan dan perawatan kesehatan anak, hal ini dikarenakan diawal mula usaha RS ABK ini merupakan RSIA (Rumah Sakit Ibu dan Anak) sehingga nama RS ABK sudah ”terlanjur” familiar sebagai RS untuk Ibu dan Anak, walau demikian menurut manajemen saat ini pasien umum (selain persalinan dan sakit anak) sudah cukup banyak dan memiliki porsi 30% atas total pasien yang ada di RS ABK.
ABK Hospital, currently running for 18 years, as the first private hospital in Pontianak, makes the name ABK Hospital very familiar and becomes the first destination for married couples in Pontianak to check pregnancy, childbirth and child health care, this is because at the beginning of the business of this ABK Hospital is RSIA (Mother and Child Hospital) so that the name ABK Hospital is "already" familiar as a hospital for mothers and children, However, according to the current management, there are quite a lot of general patients (other than childbirth and child illness) and have a portion of 30% of the total patients at ABK Hospital.

Dari pengamatan BU sehari-hari dilapangan, memang secara jumlah pasien RS ini tergolong ramai, terutama pada hari Sabtu atau jadwal vaksinasi, RS penuh dengan pasien rawat jalan. Lokasi Rumah Sakit juga paling ideal dari antara kompetitor rumah sakit lainnya, karena berada di Jalan utama kota Pontianak (Jl Ahmad Yani). Record Rumah Sakit dilapangan juga baik, tidak ada issue negatif mengenai RS ini, karena kalau RS baru biasanya end user khawatir dokter yang melayani adalah dokter-dokter Junior, namun di RS ABK saat ini sudah dipenuhi dokter-dokter senior.
From the daily observation of BU in the field, indeed the number of patients at this hospital is relatively crowded, especially on Saturdays or vaccination schedules, the hospital is full of outpatients. The location of the hospital is also the most ideal among other hospital competitors, because it is located on the main road of Pontianak city (Jl Ahmad Yani). The record of the hospital in the field is also good, there are no negative issues regarding this hospital, because if the hospital is new, the end user is usually worried that the doctors who serve are junior doctors, but the ABK Hospital is currently filled with senior doctors.

Manajemen sendiri mengakui bahwa RS nya masih kekurangan dokter-dokter spesialis dan sub spesialis, jika dibandingkan dengan Jakarta jumlah dokternya jauh lebih lengkap, sehingga untuk mendatangkan dokter-dokter dari luar tersebut tentunya perlu disupport dengan tempat dan peralatan medis yang memadai, dimana pada gedung yang exist sekarang sudah tidak bisa membuat poli maupun ruangan untuk mendatangkan dokter spesialis baru karena sudah full.
The management itself admits that the hospital still lacks specialist doctors and sub-specialists, when compared to Jakarta the number of doctors is much more complete, so to bring in doctors from outside of course it needs to be supported with adequate medical facilities and equipment, where in the existing building it is no longer possible to make a poly or room to bring in new specialist doctors because it is full.

Detail of Buyers & SUPPLIERS

Supplier terutama dari pihak Farmasi yang menyediakan obat bagi RS seperti Enseval Putera Megatrading, PT Anugerah Pharmindo Lestari, PT Parit Padang Global, PT Bina San Prima dan PT Anugrah Argon Medica.
Suppliers, especially from the pharmaceutical side that provide drugs for hospitals such as Enseval Putera Megatrading, PT Anugerah Pharmindo Lestari, PT Parit Padang Global, PT Bina San Prima and PT Anugrah Argon Medica.

Buyer adalah end user, Masyarakat kota Pontianak yang berobat di Pontianak sehingga tidak bisa dilakukan Buyer Checking
Buyers are end users, the people of Pontiawant to receive treatment in Pontianak sothat Buyer Checking cannot be done

Detail of Trade Checking to Suppliers result refer to Appendix H.

MANAGEMENT AND SHAREHOLDER STRUCTURE:

Detail of ownership tree and group refer to Appendix A.

ACCOUNT SUMMARY:

TRANSACTION ACTIVITY

Period	Average Credit Mutation	Monthly Sales	Total Credit Mutation to Total Sales (%)	%Throughput
Jul’24-Nov’24 Jul'24-Nov'24	IDR 11,958 Mn	IDR 11,895 Bn (IFS Sep’24) IDR 11,895 Bn (IFS Sep'24)	101%	BCA 22%; BSI 0.2%; Bank Kalbar 1.5%; Mandiri 41%, BNI 6.6%; BNI 28.7% BCA 22%; BSI 0.2%; Bank of West Kalimantan 1.5%; Mandiri 41%, BNI 6.6%; BNI 28.7%

Rata-rata mutasi kredit mencerminkan 101% dibandingkan dengan average sales Jan-Sep'24 dimana sebagian besar merupakan pembayaran masuk dari Perusahaan Asuransi, perorangan dan mesin EDC.
The average credit mutation reflects 101% compared to the average sales of Jan-Sep'24 where most of them are incoming payments from Insurance Companies, individuals and EDC machines.

Rata-rata mutasi debit IDR 12,566 Mn mencerminkan 121% dibandingkan dengan COGS + SGA in Sep’24 IDR 10,349 Mn
Average mutation of IDR 12,566 Mn debit reflects 121% compared to COGS + SGA in Sep'24 IDR 10,349 Mn.

Mutasi Debet > Mutasi Kredit dikarenakan kebijakan pembayaran insentif/tunjangan kinerja baru diberlakukan di semester 2 tahun 2024, dimana di tahun 2024 ini RS ABK memberikan penyesuaian tunjangan kinerja ke karyawannya. Hal ini tampak juga di LK, dimana ada peningkatan cukup tinggi di SGA
Debit Mutation > Credit Mutation due to the new incentive / performance allowance payment policy enforced in semester 2 of 2024, where in 2024 ABK Hospital provides performance allowance adjustments to its employees. This is also seen in LK, where there is a fairly high increase in SGA.

BANK LIMIT AND FACILITY STRUCTURE (SLIK Checking)

Semua fasilitas dalam kolektibilitas lancar (Details of SLIK Checking Result refer to Appendix E.)
All facilities in the collectibility lancar (Details of SLIK Checking Result refer to Appendix E.)

ABK hanya memiliki fasilitas PRK BSI IDR 7.5 Bn dan dan KMK BNI IDR 5 Bn, untuk PRK BSI jaminan berupa Deposito (Back To Back)
ABK only has a PRK BSI IDR 7.5 Bn and KMK BN IDR 5 Bn facilities, for PRK BSI guarantees in the form of Deposits (Back To Back)

Note: Jaminan L&B di BNI berupa SHGB no. 08 yang merupakan salah satu sertifikat yang akan dijaminkan di PB. Menurut info debitur, fasilitas tersebut telah lunas (akan disyaratkan pres-signing menyerahkan tanda bukti bahwa fasilitas tersebut telah dilunasi).
Note: The L&B guarantee at BNI is in the form of SHGB no. 08 which is one of the certificates that will be pledged in PB. According to the debtor's information, the facility has been paid off (it will be required to pres-sign to submit proof that the facility has been repaid).

KEY RISK & MITIGATION:

Kompetitor
Competitors

Total ada 17 Rumah Sakit di Pontianak, namun hanya 5 RS (Swasta) yang dianggap BU sebagai Kompetitor RS ABK, dari segi tujuan utama masyarakat (non BPJS) di Pontianak, yaitu
There are a total of 17 hospitals in Pontianak, but only 5 (private) hospitals are considered by BU as competitors of ABK hospitals, in terms of the main goals of the community (non-BPJS) in Pontianak, namely:

No It	Rumah Sakit Hospital	Type/Kelas Type/Class	Luas Tanah Land Area	Luas Bangunan Building Area	Jumlah Bed Number of Beds	Jumlah Layanan Kesehatan Number of Healthcare Services
1	Anugerah Bunda Khatulistiwa (CaDeb) Anugerah Mother of the Equator (CaDeb)	C	6,213 M² 6,213 ^m2	9,282 M² 9,282 ^m2	115	35
2	Kharitas Bakti (Yayasan Swasta – Jl Siam) (Private Foundation – Jl Siam)	D	1,506 M² 1,506 ^m2	11,840 M² 11,840 ^m2	77	53
3	Mitra Medika Medika Partners (swasta-Jl Sultan Syarif Abdurahman) (private-Jl Sultan Syarif Abdurahman)	C	4,655 M² 4,655 ^m2	9,968 M² 9,968 ^m2	137	56
4	St Antonius St. Anthony (Yayasan Swasta – Jl Merdeka) (Private Foundation – Jl Merdeka)	B	21,484 M² 21,484 ^m2	11,825 M² 11,825 ^m2	240	79
5	Medika Djaya (Swasta – Jl Parit Haji Husin 2) (Private – Jl Parit Haji Husin 2)	C	3,500 M² 3,500 ^m2	Blm tersedia data Blm available data	127	Blm tersedia data Blm available data
6	RS Yayasan Rumah Sakit Islam (Yayasan Swasta – Jl Tanjung Raya II) Islamic Hospital Foundation Hospital (Private Foundation – Jl Tanjung Raya II)	C	30,500 M² 30,500 ^m2	17,503 M² 17,503 ^m2	129	22

Note:

RS ABK belum melayani BPJS Kesehatan, karena menurut manajemen ketersediaan kamar masih belum mampu untuk cover jika dibuka layanan pembayaran BPJS.
ABK Hospital has not served BPJS Kesehatan, because according to management, room availability is still not able to cover if the BPJS payment service is opened.

Berikut list 11 Rumah Sakit lain yang ada di Pontianak, dimana RS yang terbesar dan masuk Type A hanya ada di RSUD Soedarso.
The following is a list of 11 other hospitals in Pontianak, where the largest and type A hospital is only in Soedarso Hospital.

RS Promedika (57 bed)
Promedika Hospital (57 beds)

RS Bhayangkara (120 bed)
Bhayangkara Hospital (120 beds)

RSIA Nabasa (38 bed)
RSIA Nabasa (38 beds)

RS Kartika Husada (TNI AD) (175 Bed)
Kartika Husada Hospital (TNI AD) (175 beds)

RS Universitas Tanjungpura (104 Bed)
Tanjungpura University Hospital (104 Beds)

RSIA Anugrah (50 Bed)

RSUD Kubu Raya (50 Bed)
Kubu Raya Hospital (50 Beds)

RSUD Soedarso (592 Bed) – 447 bed untuk kelas III
Soedarso Hospital (592 beds) – 447 beds for class III

RSUD Pontianak Utara (50 bed)
North Pontianak Hospital (50 beds)

RSUD Sultan Syarif M Alkadrie (168 Bed)
Sultan Syarif M Alkadrie Hospital (168 beds)

RSAU Dr M Sutomo (64 Bed)

(Sumber : SIRS.Kemkes.go.id)
(Source : SIRS.Kemkes.go.id)

Total ada 59 RS di Kalimantan Barat (Termasuk RSUD, RS Bersalin, RSIA, RS Jiwa dan RS milik instansi (Polisi/TNI))
There are a total of 59 hospitals in West Kalimantan (including hospitals, maternity hospitals, hospitals, psychiatric hospitals and hospitals owned by agencies (Police/TNI))

RS ABK juga menjadi referensi Masyarakat Kalimantan Barat (diluar Kota Pontianak) jika ada pasien yang membutuhkan perawatan lebih lanjut, khususnya pasien non BPJS.
ABK Hospital is also a reference for the West Kalimantan Community (outside Pontianak City) if there are patients who need further treatment, especially non-BPJS patients.

Kebutuhan RS di Pontianak masih belum ideal dengan detail sbb:
The needs of hospitals in Pontianak are still not ideal with the following details:

Total Penduduk Kalimantan Barat adalah 5,6 Juta Jiwa
The total population of West Kalimantan is 5.6 million people

Total Penduduk Kota Pontianak adalah 679,818 Jiwa
The total population of Pontianak City is 679,818 people

Total Penduduk Kubu Raya adalah 639.250 Jiwa
The total population of Kubu Raya is 639,250 people

Coverage layanan RS ABK terutama hanya di Kota Pontianak dan Kubu Raya (total 1,319,068 Jiwa)
ABK Hospital service coverage is mainly only in Pontianak City and Kubu Raya (total 1,319,068 people)

Total bed RS di Pontianak dan Kubu Raya adalah 2,293 Bed (Total Bed 6 besar RS swasta hanya cover 825 bed)
The total beds of hospitals in Pontianak and Kubu Raya are 2,293 beds (Total Beds of the 6 largest private hospitals only cover 825 beds)

Rasio ketersediaan Bed versus penduduk kota Pontianak dan Kubu Raya 1.7 Bed: 1.000 penduduk, cukup baik jika dilihat dari angka nasional hanya 1.4 Bed: 1.000 penduduk, namun masih dibawah dari yang direkomendasikan WHO dimana setiap negara idealnya menyediakan 5 bed : 1.000 penduduk.
The ratio of bed availability versus the population of Pontianak and Kubu Raya cities is 1.7 beds: 1,000 inhabitants, quite good when viewed from the national figure of only 1.4 beds: 1,000 inhabitants, but still below the WHO recommendation where each country ideally provides 5 beds: 1,000 inhabitants.

Melihat hal ini masih ideal untuk RS ABK membangun ketersediaan Bed
Seeing this, it is still ideal for ABK Hospital to build the availability of Beds

Risiko Malpraktik
Risk of Malpractice

Risiko utama dari bisnis Rumah Sakit saat ini adalah Risiko Malpraktik yang dapat viral kapan saja.
The main risk of the Hospital business today is the Risk of Malpractice which can go viral at any time.

Mitigasi
Mitigation:

Dokter-dokter yang praktik di RS ABK majority masih di isi dokter-dokter Senior, sehingga Tingkat kepercayaan Masyarakat sudah cukup tinggi, dan pengalaman dokter juga akan memitigasi terjadinya malpraktik.
The doctors who practice at ABK Hospital are still mostly filled with senior doctors, so that the level of public trust is quite high, and the experience of doctors will also mitigate the occurrence of malpractice.

RS ABK memiliki internal audit sendiri, sehingga membantu agar pelayanan sesuai standard.
ABK Hospital has its own internal audit, so it helps to ensure that the service is in accordance with the standard.

Risiko Proses
Process Risks

Keterlambatan proses Tindakan di IGD, tindakan kelahiran maupun delay proses lainnya, maupun proses yang cukup lama dalam pengambilan Obat
Delays in the process of procedures in the emergency room, birth procedures and other delays, as well as processes that take a long time in taking drugs

Mitigasi:
Mitigation:

RS ABK memiliki IGD, dimana dokter jaga selalu standby, dimana seperti yang dikemukakan manajemen dalam kondisi krisis, pasien akan dilayani terlebih dahulu, baru pihak keluarga mengurus administrasi, pada prakteknya yang dilihat oleh BU, hingga saat ini prakteknya sesuai yang di informasikan oleh manajemen, dimana untuk IGD ada pintu tersendiri dan pasien urgent yang datang langsung dilayani dan langsung Tindakan walaupun belum dilakukan administrasi oleh pihak keluarga.
ABK Hospital has an emergency room, where the doctor is always on standby, where as stated by the management in a crisis condition, the patient will be served first, then the family takes care of the administration, in practice as seen by the BU, until now the practice is in accordance with what is informed by the management, where for the emergency room there is a separate door and urgent patients who come are immediately served and immediately take actioneven though they have not yet administration is carried out by the family.

Untuk kelahiran, yang jaga kelahiran adalah perawat, dokter selalu siap jika sudah harus dilakukan Tindakan (terutama jika kelahiran di Malam/subuh), hal ini dikarenakan cukup banyak dokter RS ABK yang rumahnya sangat dekat dengan Rumah Sakit
For births, the one who takes care of the birth is the nurse, the doctor is always ready if action has to be taken (especially if the birth is at night/dawn), this is because there are quite a lot of doctors at ABK Hospital whose homes are very close to the hospital

Untuk proses pengambilan resep obat di Farmasi, jika dalam kondisi ramai, hal ini akan memakan waktu yang cukup lama, namun RS ABK memiliki 2 opsi jika proses persiapan obat akan memakan waktu lama dan harus ditinggal pulang pasien, pertama pasien akan di WA bahwa obat sudah siap diambil, kedua RS ABK sudah bekerjasama dengan aplikasi lokal (tenaga kurir) untuk bisa mengantar obat ke rumah pasien (ada biaya tambahan).
For the process of taking drug prescriptions at the Pharmacy, if it is in crowded conditions, this will take quite a long time, but the ABK Hospital has 2 options if the drug preparation process will take a long time and must be left by the patient to go home, first the patient will be in WA that the medicine is ready to be taken, the second ABK Hospital has collaborated with a local application (courier personnel) to be able to deliver the drug to the patient's home (there is an additional fee).

Risiko keterlambatan Tagihan Piutang
Risk of late Bills Receivable

Piutang terutama dari pihak Asuransi
Receivables, especially from the Insurance

Mitigasi: RS ABK selalu melakukan seleksi asuransi yang akan rekanan dengan pihak RS ABK, hingga saat ini pembayaran asuransi lancar +/- di 30 -60 days tergantung asuransi, namun menurut manajemen persentase pembayaran via asuransi hanya +/- 30%, dimana selebihnya adalah tunai atau via Credit Card, sehingga mitigasi yang dilakukan oleh RS ABK dirasa sudah cukup baik.
Mitigation: ABK Hospital always conducts insurance selections that will partner with ABK Hospital, until now insurance payments are smooth +/- in 30 -60 days depending on insurance, but according to management, the percentage of payments via insurance is only +/- 30%, where the rest is cash or via Credit Card, so the mitigation carried out by ABK Hospital is considered to be quite good.

FINANCIAL HIGHLIGHT – PT Anugerah Bunda Khatulistiwa (Standalone)

Financial Analysis based on AFS 2021-2023 and IFS Sep’24
Financial Analysis based on AFS 2021-2023 and IFS Sep'24

Financial 2021-2023 were audited by Heru Satria Rukmana & Rekan (3rd Tier, SAK ETAP Method) with Opinion as per details below:

Opinion	Reason:
Qualified (AFS 2021)	Perusahaan mengakui kenaikan nilai aset dari transaksi tax amnesty IDR 37,915,720,943 sebagai laba ditahan belum sesuai dengan aturan yang ditetapkan dalam PSAK 70 ttg akuisisi aset dan liabilitas pengampunan pajak. Selisih antara aset Tax Amnesty dan liabilitas tax amnesty dipos tambahan modal disetor bukan reklasifikasi ke laba ditahan The Company acknowledges that the increase in the value of assets from the tax amnesty transaction of IDR 37,915,720,943 as retained earnings is not in accordance with the rules stipulated in PSAK 70 on the acquisition of assets andliabilities for tax amnesty. The difference between Tax Amnesty assets and tax amnesty liabilities is posted additional paid-up capital instead of reclassification to retained earnings Akun CIP sebesar IDR 3,030,835,216 belum didukung oleh bukti yang memadai. Kemudian prosedur pengadaan barangnya belum dilakukan secara lazim yang berdampak pada harga pembelian barang belum sesuai dengan harga wajar (harga pasar) The CIP account of IDR 3,030,835,216 has not been supported by sufficient evidence. Then the procurement procedure for goods has not been carried out in a conventional manner which has an impact on the purchase price of goods not in accordance with the fair price (market price) Terdapat perbedaan pengklasifikasian akun-akun yang berdampak pada koreksi fiskal tahun berjalan yang mempengaruhi jumlah kewajiban perpajakan perusahaan tahun tersebut There are differences in the classification of accounts that have an impact on the current year's fiscal correction that affects the amount of the company's tax liabilities for that year Akun persediaan masih kurang catat sebesar IDR 142,952,453. Kemudian akun pembelian terjadi lebih catat sebesar IDR 356,460,347. Selanjutnya akun kas kecil corporate masih kurang catat sebesar IDR 10,078,803 The inventory account is still under-recorded at IDR 142,952,453. Then the purchase account occurred more by IDR 356,460,347. Furthermore, the corporate petty cash account is still underrecorded at IDR 10,078,803
Qualified (AFS 2022)	Perusahaan mengakui kenaikan nilai aset dari transaksi tax amnesty IDR 37,915,720,943 sebagai laba ditahan belum sesuai dengan aturan yang ditetapkan dalam PSAK 70 ttg akuisisi aset dan liabilitas pengampunan pajak. Selisih antara aset Tax Amnesty dan liabilitas tax amnesty dipos tambahan modal disetor bukan reklasifikasi ke laba ditahan The Company acknowledges that the increase in the value of assets from the tax amnesty transaction of IDR 37,915,720,943 as retained earnings is not in accordance with the rules stipulated in PSAK 70 on the acquisition of assets and liabilities of tax amnesty. The difference between Tax Amnesty assets and tax amnesty liabilities is posted additional paid-up capital instead of reclassification to retained earnings Akun CIP sebesar IDR 2,625,201,912 belum didukung oleh bukti yang memadai. Kemudian prosedur pengadaan barangnya belum dilakukan secara lazim yang berdampak pada harga pembelian barang belum sesuai dengan harga wajar (harga pasar). Selanjutnya terdapat pengeluaran biaya untuk proyek/pekerjaan sebesar IDR 53 Juta yang dikeluarkan sejak bulan Jul'22 belum mendapatkan otorisasi dari pejabat yang berwenang The CIP account of IDR 2,625,201,912 has not been supported by sufficient evidence. Then the procurement procedure for goods has not been carried out in a conventional manner which has an impact on the purchase price of goods not in accordance with the fair price (market price). Furthermore, there is a cost expenditure for the project/work of IDR 53 millionwhich has been incurred since Jul'22 has not received authorization from the authorized officials Terdapat perbedaan pengklasifikasian akun2 yang berdampak pada koreksi fiskal tahun berjalan yang memungkinkan kewajiban perpajakan perusahaan belum dilaporkan sesuai dengan kewajiban perpajakan yang berlaku There are differences in account classification2 that have an impact on the current year's fiscal correction that allows the company's tax liabilities to not be reported in accordance with applicable tax obligations Terdapat selisih yang cukup signifikan dalam beberapa akun yaitu Piutang Usaha IDR 417,879,835 (kurang catat). Selain itu juga masih terdapat beberapa saldo piutang pelanggan minus & tanpa nama yang berdampak saldo piutang dilaporkan belum mencerminkan nilai wajar There is a significant difference in several accounts, namely Accounts Receivable IDR 417,879,835 (undernoted). In addition, there are also several negative & anonymous customer receivables balances that have an impact, the receivables balance is reported to not reflect fair value Akun persediaan masih kurang catat sebesar IDR 443,776,545. Kemudian akun pendapatan usaha masih kurang catat sebesar IDR 833,702,178. Selanjutnya akun pembelian masih kurang catat sebesar IDR 196,791,643 The inventory account is still under-recorded at IDR 443,776,545. Then the operating income account is still underrecorded at IDR 833,702,178. Furthermore, the purchase account is still underrecorded at IDR 196,791,643
Unqualified (AFS 2023)

Spreading Result:

Sales & Profitability Aspect, covering:

Data historical RS ABK:
Historical data of ABK Hospital:

Rata-rata Average	2021	2022	2023	2024
BOR	56%	64%	67%	41%
LOS	3	2	3	3

Terdapat penurunan sales pada IFS Sep’24 sebesar -10.15% dan berdasarkan rekap sales Jan’24-Dec’24 turun -7.5% menurut ABK terdapat penurunan jumlah pasien dimana tingkat BOR RS ABK s.d November 2024, hanya avg 41.28% yang disebabkan oleh
There was a decrease in sales in IFS Sep'24 of -10.15% and based on the sales recap of Jan'24-Dec'24 down -7.5% according to ABK, there was a decrease in the number of patients where the level of BOR RS ABK s.d November 2024, only avg 41.28% was caused by:

Sepanjang tahun 2024 tidak banyak terjadi KLB, dimana untuk kota Pontianak sendiri KLB biasanya 1-3 kali dalam satu tahun, KLB yang cukup sering di Kota Pontianak adalah KLB Demam berdarah, dimana wilayah dataran Pontianak cukup rendah dengan curah musim hujan yang selalu berganti dengan musim panas, sehingga membuat air sempat tergenang dan membuat nyamuk sempat bertelur. KLB lain adalah ISPA dimana wilayah Kalbar dikelilingi hutan dan kebun sawit, sehingga jika terjadi kebakaran hutan dan kebun sawit akan membuat asap pekat diseluruh kota Pontianak yang membuat terutama anak-anak akan terkena sakit ISPA
In2024, there are not many KLB, where for the city of Pontianak itself KLB is usually 1-3 times a year, KLB that is quite frequent in Pontianak City is Dengue Fever KLB, where the Pontianak plain area is quite low with rainfall that always changes with summer, so that the water was flooded and made mosquitoes have time to lay eggs. Another KLB is ISPA where the West Kalimantan region is surrounded by forests and oil palm plantations, so that if there is a forest fire and oil palm plantations, it will create thick smoke throughout the city of Pontianak which makes especially children will be affected by ISPA

Terdapat kebijakan dari Kemenkes mengenai Ruang Isolasi minimal 10% dari ketersediaan Bed RS dimana menurut manajemen, untuk Rumah Sakit Swasta agak sulit karena jumlah pasien isolasi di RS ABK sedikit. Kebijakan ini menjadikan BOR tidak optimal
There is a policy from the Ministry of Health regarding an isolation room of at least 10% of the availability of hospital beds which according to the management, for private hospitals it is a bit difficult because the number of isolation patients at ABK Hospital is small. This policy makes BOR not optimal.

(Source: https://www.tribunnews.com/corona/2023/07/03/masa-endemi-rs-seluruh-indonesia-wajib-sediakan-ruang-isolasi-covid-19-minimal-10-persen)

Selain itu RS ABK belum mau menerima pasien BPJS, sedangkan ada 2 Kompetitor RS swasta (RS Yarsi dan RS Medika Djaya) sudah mulai menerima pasien BPJS. Walaupun memang pangsa pasar pasien RS ABK adalah menengah keatas, hal ini kemungkinan ada pengaruh terhadap pasien rawat inap. Dimana menurut manajemen kemungkinan pasien yang sebelumnya biasa menggunakan fasilitas umum sudah mulai menggunakan fasilitas BPJS mengingat pembayaran dari BPJS juga sudah relative cepat. Saat ini RS ABK baru menerima Kerjasama BPJS ketenagakerjaan (terkait kecelakaan kerja), belum menerima BPJS Kesehatan.
In addition, ABK Hospital does not want to accept BPJS patients, while there are 2 private hospital competitors (Yarsi Hospital and Medika Djaya Hospital) have started accepting BPJS patients. Although it is true that the market share of ABK Hospital patients is middle to upper, this may have an effect on inpatients. According to the management, it is possible that patients who previously used to use public facilities have started using BPJS facilities, considering that payments from BPJS are also relatively fast. Currently, ABK Hospital has only received BPJS Employment Cooperation (related to work accidents), has not yet received BPJS Kesehatan.

Namun hal ini masih dipertimbangkan manajemen karena jika menerima BPJS manajemen khawatir RS akan kewalahan menerima pasien BPJS yang diprediksi sangat besar, mengingat saat ini jika dikaitkan secara financial RS ABK sudah berjalan sangat baik. Hal ini memperlihat manajemen sangat berhati-hati dalam setiap pengambilan Keputusan.
However, this is still being considered by the management because if it receives BPJS, the management is worried that the hospital will be overwhelmed to accept BPJS patients which is predicted to be very large, considering that currently if it is financially linked, ABK Hospital has been running very well. This shows that management is very careful in every decision-making.

Ditahun 2025 menurut manajemen BOR ditargetkan akan ada di minimal 60%, hal ini seiring dengan pertumbuhan penduduk, jumlah konsultasi ke dokter kehamilan (ob Gyn) cukup tinggi ditahun 2024, sehingga diperkirakan akan ada peningkatan jumlah kelahiran di tahun 2025. Rata-rata perbulan +/- 1,400 pasien yang konsultasi ditahun 2024.
In 2025, according to BOR management, it is targeted to be at least 60%, this is in line with population growth, the number of consultations to pregnancy doctors (ob Gyn) is quite high in 2024, so it is expected that there will be an increase in the number of births in 2025. An average of +/- 1,400 patients per month will be consulted in 2024.

Terdapat pos investasi (IDR 2 Bn) dan sewa lahan (AR to related parties) kepada PT Morula IVF (anak Perusahaan PT ABK dengan kepemilikan 40% saham), dimana PT Morula IVF memakai fasilitas PT ABK dan karena entitas yang berbeda sehingga pencatatannya adalah PT Morula sewa tempat ke PT ABK. Post AR sewa lahan sebesar IDR 1,484 Mn (2022-Sep’24) secara konservatif pada spreading dipindahkan ke post non-curret asset.
There is an investment post (IDR 2 Bn) and land lease (AR to related parties) to PT Morula IVF (a subsidiary of PT ABK with 40% ownership of shares), where PT Morula IVF uses PT ABK facilities and because the entity is different, the listing is PT Morula renting a place to PT ABK. Post AR land lease of IDR 1,484 Mn (2022-Sep'24) conservatively on spreading was transferred to post non-curret asset.

Terdapat peningkatan SGA terutama pada Beban Gaji karyawan dan Bonus dikarenakan Penyesuaian Gaji sesuai aturan Kemnaker, namun akan kembali diperiksa saat audit. Selain itu menurut ABK, saat ini pada laporan keuangan internal per September 2024, semua pengeluaran termasuk yang ragu-ragu sudah dimasukkan sebagai pengeluaran, sehingga tampak SGA menjadi cukup besar dari tahun sebelumnya.
There is an increase in SGA, especially in Employee Salary Expenses and Bonusesdue to Salary Adjustments according to the Ministry of Manpower's regulations, but will be re-examined during the audit In addition, according to ABK, currently in the internal financial statements as of September 2024, all expenses, including those that are hesitant, have been included as expenses, so it seems that SGA has become quite large from the previous year.

Key Financial Ratio, covering:

DSCR terlihat sangat baik dimana kewajiban existing ABK hanya KMK Mandiri IDR 7.5 Bn (BTB) dan KMK BNI IDR 5 Bn.
DSCR looks very good where the existing ABK obligations are only KMK Mandiri IDR 7.5 Bn (BTB) and KMK BNIIDR 5 Bn.

Perusahaan terlihat liquid dengan CR >2-3x dimana komposisi Current asset terbesar adalah Cash & Bank dan AR dari perusahaan asuransi
The company looks liquid with a CR of >2-3x where the largest current asset composition is Cash & Bank and AR from insurance companies.

Leverage sangat baik <2x dengan komposisi Asset terbesar adalah Fixed Asset (pada AFS terlihat adanya post Revaluasi Asset Tetap sebesar IDR 95,911 Mn)
Very good leverage <2x with the largest asset composition is Fixed Asset on AFS can be seen post Revaluation Asset Fixed of IDR 95,911 Mn)

Reconstructed Cash Flow

Terlihat CAPEX pada tahun 2020-Sep-24 yang dibiayai oleh TL BNI, TL BTB di Bank Mandiri (cair 30 Mar’21 IDR 10 Bio dan 24 May’22 IDR 10 Bio) dan cashflow PT ABK
It can be seen that CAPEX in 202 0-Sep-24 which was financed by TL BNI, TL BTB at Bank Mandiri (disbursed 30 Mar'21 IDR 10 Bio and 24 May'22 IDR 10 Bio) and PT ABK cashflow

Note: Info dari ABK, Fasilitas RS ABK pertama kali di Maybank, dan di take over ke BNI, lunas jatuh tempo di Bank BNI. Fasilitas di Bank Mandiri adalah fasilitas KI terpisah yang saat itu digunakan untuk renovasi IGD dan beberapa part gedung. Saat ini fasilitas tersebut sudah lunas
Note: Info from ABK, ABK Hospital Facilities are the first at Maybank, and taken over to BNI, fully due at Bank BNI. The facility at Bank Mandiri was a separate KI facility that was then used for the renovation of the emergency room and several building parts. Currently, the facility has been paid off.

Terdapat perubahan RE dengan rincian sbb
There are changes to the RE with the following details

Income Statement	Dec-21	Dec-22	Dec-23	Sep-24
NPAT	18,928	13,240	16,024	5,072

DIVIDENDS	2,193	5,000	6,519	14,407
DIVIDENDS		19%	26%	49%	90%

R/E ADJUSTMENTS	(5,702) Terdapat koreksi laba There is a profit correction	441 Terdapat koreksi laba There is a profit correction	(14) Koreksi AR dan diskon AR correction and discounts	-

Note: Menurut info debitur untuk selisih RE di IFS Sep’24 merupakan Dividen.
Note: According to the debtor's information, the difference in RE in IFS Sep'24 is a Dividend.

FINANCIAL PROJECTION

Assumption Descr.

Sensitized Scenario

Sales

FY25-FY26: Growth 5% from FY24

FY27: Growth 15% from FY26

FY28: Growth 15% from FY27

FY29-FY25: Growth 5% from FY27

Dari wawancara dengan manajemen
From an interview with management:

Untuk Bangunan RS Existing, ABK menargetkan peningkatan Sales 12-13% setiap tahunnya
For the Existing Hospital Building, ABK targets an increase in Sales of 12-13% every year

Untuk Bangunan RS baru diasumsikan mulai dibangun per Mar 2025 dengan jangka waktu 2 tahun sehingga akan mulai beroperasi per Mar 2027
For the new hospital building, it is assumed that construction will start as of Mar 2025 with a period of 2 years so that it will start operating as of Mar 2027.

Walaupun dengan kenaikan bed >100% dari bed exist, manajemen hanya menargetkan kenaikan pendapatan sebesar 60% dari pendapatan saat ini, hal ini dikarenakan untuk menjaga agar ekspektasi dari Pemegang Saham tidak terlalu tinggi selain itu untuk menambah okupansi RS ABK harus prepare dengan tambahan jumlah karyawan, dan karyawan tambahan yang dipilih harus memiliki standard yang baik dan hal ini dianggap manajemen adalah sesuatu yang krusial mengingat RS merupakan usaha dibidang jasa, sehingga seleksi karyawan harus ketat. Walaupun kemudahannya adalah RS ABK sudah memiliki nama besar di Pontianak sehingga untuk informasi lowongan akan relative cukup mudah untuk dilakukan (banyak peminat). Artinya manajemen sangat memperhatikan kualitas pelayanan, tidak hanya menarik pasien tapi juga pasien yang masuk harus maksimal dilayani.
Eventhough with the increase in beds >100% of the existing beds, the management only targets an increase in revenue of 60% of the current revenue, this isbecause to keep the expectations of the shareholdersnot too high in order to increase the occupancy of the ABK Hospital must be prepared with an additional number of employees, and the additional employees selected must have good standards and this is considered that management is something crucial considering that the hospital is a business in the service sector, so the selection of employees must be strict. Although the convenience is that ABK Hospital already has a big name in Pontianak, so for vacancy information it will be relatively easy to do (many enthusiasts). This means that management pays close attention to the quality of service, not only attracting patients but also incoming patients must be maximally served.

COGS margin

Diasumsikan stabil dari IFS Sep 2024
Assumed stable from IFS Sep 2024

SGA margin

Diasumsikan SGA FY24 annualisasi dari nominal SGA Sep’24 (IDR 30,074 Mn) yaitu full year sebesar IDR 40,098 Mn sedangkan SGA FY25-FY35 diasumsikan %SGA stabil dari FY24
It is assumed that SGA FY24 annualization from the nominal SGA Sep24 (IDR 30,074 Mn) is full year of IDR 40,098 Mn while SGA FY25-FY35 is assumed to be stable %SGA from FY24.

NOC

Average dari Historikal FS 2020-Sep’24
Average of Historical FS 2020-Sep'24

Interest rate

Sesuai SLIK (other bank) dan pengajuan BU (PermataBank)
In accordance with SLIK (other banks) and BU (PermataBank) submissions

Short-term Debt

Sesuai kebutuhan cashflow ABK pada tahun proyeksi
According to the needs of crew cashflow in the projected year

Note: Terdapat KMK BTB di BSI IDR 7.5 Bn
Note: There is KMK BTB at BSI IDR 7.5 Bn

Long-term Debt

Diasumsikan New TF1 PB IDR 120 Bn cair bertahap IDR 30 Bn (Mar 2025), IDR 30 Bn (Sep 2025), IDR 30 Bn (Mar 2026) dan IDR 30 Bn (Sep 2026), serta TF2 PB IDR 10 cair di Dec’26. Akan mulai mencicil pokok seluruhnya di Mar 2027 dengan skema Step-Up sbb:
It is assumed that New TF1 PB IDR 120 Bn will be disbursed in stages at IDR 30 Bn (Mar 2025), IDR 30 Bn (Sep 2025), IDR 30 Bn (Mar 2026) and IDR 30 Bn (Sep 2026), as well as TF2 PB IDR 10 will be disbursed in Dec'26. It will start to take place in Mar 2027 with the Step-Up scheme as follows:

	Thn 1 1 year	Thn 2 2 years	Thn 3 Yr 3	Thn 4 4 years	Thn 5 5 years	Thn 6 Yr 6	Thn 7 Yr 7	Thn 8 8 yrs	Thn 9 9 years	Thn 10 10 yrs
% Pokok Tree %	0% (GP)	0% (GP)	5.50%	13.50%	13.50%	13.50%	13.50%	13.50%	13.50%	13.50%

CAPEX FY24 diasumsikan sesuai IFS Sep’24
FY24 CAPEX assumed as per IFS Sep'24

CAPEX FY25-FY26 diasumsikan bertahap IDR 85 Bn (2025) dan IDR 97 Bn (2026) sehingga total capex menjadi IDR 182 Bn (sesuai RAB). Capex ini dibiayai oleh TL PB IDR 130 Bn sisanya dibiayai oleh cash flow perusahaan
FY25-FY26 CAPEX is assumed to be gradual IDR 85 Bn (2025) and IDR 97 Bn (2026) so that the total capex will be IDR 182 Bn (according to RAB). This capex is financed by TL PB IDR 130 Bn, the rest is financed by the company's cash flow.

CAPEX FY27-FY35 diasumsikan IDR 3 Bn/tahun
FY27-FY35 CAPEX is assumed to be IDR 3 Bn/year.

Loan from SH

CAPEX

Dividend

FY25-FY35: Diasumsikan terdapat dividen sebesar 30% dari NPAT Previous year (kondisi ini akan diput sebagai Covenant)
FY25-FY35: Dividend of 30% of the previous year's NPAT is assumed (this will be quoted as a Covenant).

Note: Menurut info ABK, kebijakan penarikan deviden adalah berdasarkan RUPS yang disepakati semua pemegang saham mengenai besaran dana yang akan diambil, sehingga tidak tetap persentasenya, dari manajemen menginformasikan tahun 2024 memang deviden cukup tinggi dari tahun sebelumnnya, tahun ini (2025) dan beberapa tahun kedepan kemungkinan deviden akan turun, karena sedang dalam proses investasi
Note: According to ABK info, the dividend withdrawal policy is based on the GMS agreed by all shareholders regarding the amount of funds to be taken, so it is not fixed the percentage, from the management informing that in 2024 the dividend is indeed quite high from the previous year, this year (2025) and the next few years it is likely that the dividend will decrease, because it is in the investment process.

Additional Info:

Berdasarkan asumsi diatas, proyeksi financial ABK baik Base Case maupun sensitized case terlihat masih mampu mengcover kewajibannya dengan DSCR >1x.
Based on the assumptions above, the ABK's financial projections , both Base Case and Sensitized Case, are still able to cover their obligations with DSCR >1x.

Projection Result:

PEER ANALYSIS
PEER AANALYSIS

DESCRIPTIONS	PT Anugerah Bunda Khatulistiwa		Rumah Sakit Islam Yogyakarta PDHI Yogyakarta Islamic Hospital PDHI		RSU Muhammadiyah Siti Aminah Muhammadiyah Siti Aminah Hospital
Source	FS Audited 2023 (IDR)		FS Audited 2023 (IDR)		FS Internal 2023 (IDR)
Revenue	158,870	%	74,623	%	96,173	%
Revenue Growth (y-o-y)	9.63	%	8.95	%	7.67	%
Gross Profit	40.22	%	30.90	%	27.99	%
NPMBT	10.09	%	11.71	%	2.87	%
EBITDA	19.03	%	17.49	%	11.69	%
AR DOH	27	Days	87	Days	30	Days
INV DOH	19	Days	7	Days	2	Days
AP DOH	32	Days	7	Days	25	Days
NOC	14	Days	87	Days	7	Days
Current Ratio	3.05	X	9.64	X	1.88	X
Leverage	0.08	X	0.20	X	1.24	X
DSCR	6.84	X	4.76	X	1.64	X
Additional Info: Ketiga perusahaan tersebut sama-sama merupakan Rumah Sakit Type/kelas C namun size usaha ABK lebih besar dan %EBITDA juga lebih tinggi The three companies are both Type/Class C Hospitals, but the ABK business size is larger and the % EBITDA is also higher. C to C cyle RSIY PDHI lebih lama namun masih tergolong acceptable, pembayaran dari BPJS berkisar 1 – 1.5 bulan. C to C cyle RSIY PDHI is longer but still relatively acceptable, payments from BPJS range from 1 – 1.5 months. Current Ratio, Leverage dan DSCR untuk ketiganya masih acceptable. Current Ratio, Leverage and DSCR for all three are still acceptable.

Prepared by,		Supported by,

Fery P Z	Ellisa	Merry	R. Martin Tandya
RM	Credit Analyst	Senior Credit Analyst	Dept Head CCA

Acknowledged by,	Approved by,

Owen Sutedjo		Siany Natalia Taruna
Commercial Business Head	Credit Group Head	Div Head Commercial Banking

APPENDIX

MANAGEMENT & SHAREHOLDER

Berikut susunan pemegang pengurus dan pemegang Saham
The following is the arrangement of the management and shareholders:

Warna Kuning adalah Kalangan Dokter
Yellow is Doctors

Warna Biru adalah Kalangan Pengusaha
Blue is Businessmen

Terinformasi persaat ini Dr Yustar akan digantikan oleh Dr Laily, namun belum ada perubahan pengurus resmi
It is informed that Dr. Yustar will be replaced by Dr. Laily, but there has been no change in the official management

Manajemen sendiri telah dikelola oleh manajemen professional, dimana Direktur tidak banyak terlibat langsung dalam day to day activity, dan hanya terlibat dalam Keputusan-keputusan jika ada meeting dengan manajemen.
Management itself has been managed by professional management, where the Director is not directly involved in day to day activities, and is only involved in decisions ifthere is a meeting with the management.

ACCOUNT ACTIVITY AND DETAILS ACCOUNT STATEMENT

WALLET SHARE

Description	Current Permata’s Share of Wallet Current Permata's Share of Wallet		Expected Percentage Permata’s Share of Wallet (%) Expected Percentage Permata's Share of Wallet (%)	Other Bank’s Share of Wallet (%) Other Bank's Share of Wallet (%)
Description		Amount		%		Amount	%
Loan
WC	0	0%	0%	7,500	100%
TL	0	0%	100%	0	0%
Trade
Export	0	0%		0	0%
Import	0	0%		0	0%
Guarantee	0	0%		0	0%
FX
Spot	0	0%		0	0%
Cash Management
Operating Activity	0	0%	50%	0	0%
PeB/Tax Payment etc	0	0%		0	0%

COLLATERAL DETAILS

Appraised by : KJPP WYP (Nirboyo Adiputro, Dewi Apriyanti & Rekan).
Appraised by: KJPP WYP (Nirboyo Adiputro, Dewi Apriyanti & Partners).

PB Panel (Y/N) : Non PB Panel

IDR Mn (@IDR /USD)

No It	Type of Collateral	Market Value				Pledged Value
No It	Type of Collateral			Existing	Changes	Proposed	Type(s)		Existing	Changes	Proposed
1	Tanah dan Bangunan (Rumah Sakit) Land and Building (Hospital) Tanah Total 6,213 M2 rincian dibawah Land Total 6,213 M2 details below Luas bangunan 8,168M2 Building area 8,168M2	-	-	166,924	HT		-	HT 1 162,500	162,500
Total		-	-	166,924	-		-	162,500	162,500
CCR		-	-	128.40%	-		-	-	125%

Additional Info:

Penilaian dilakukan oleh KJPP Nirboyo Adiputro, Dewi Apriyanti & Rekan (Non Rekanan PB) tanggal 5 Oktober 2023
The assessment was carried out by KJPP Nirboyo Adiputro, Dewi Apriyanti & Rekan (Non-PBAssociates) on October 5, 2023

Penilaian ditujukan kepada PT ABK (order tidak dilakukan via Col Val), penilaian ini ditujukan untuk manajemen PT ABK dalam rangka untuk pembuatan Laporan Keuangan PT ABK.
The assessment is addressed to PT ABK (orders are not made via Col Val), this assessment is intended for the management of PT ABK in order to prepare PT ABK's Financial Statements.

Terdapat 2 lokasi asset yang dinilai pada LPA ini, pertama adalah Rumah Sakit dan asset kedua adalah lahan parkir (SHGB No 87 dan SHGB no 72, dibelakang RS ABK (dipisahkan Jl Raden Saleh) tidak satu hamparan. Lahan parkir ini tidak dijadikan jaminan di PB. MV atas lahan parkir ini adalah IDR 3,406 Mn (diluar MV RS diatas)
There are 2 asset locations assessed in this LPA, the first is the Hospital and the second asset is the parking lot (SHGB No 87 and SHGB no 72, behind the ABK Hospital (separated by Jl Raden Saleh) not one expanse. This parking lot is not used as collateral in PB. MV for this parking lot is IDR 3,406 Mn (excluding MV RS above)

Nilai MV yang dimasukkan diatas (IDR 166,924 Mn) adalah hanya untuk nilai tanah dan bangunan, sedangkan untuk sarana pelengkap, mesin dan inventaris tidak dimasukkan dalam market value jaminan, jika dimasukkan total asset menjadi IDR 207,407 Mn
The MV included above (IDR 166,924 Mn) is only for the value of land and buildings, while for complementary facilities, machinery and inventory are not included in the collateral market value, if the total assets are included to IDR 207,407 Mn

Lokasi RS ABK sangat ideal karena berada di Jalan utama di Pontianak sehingga jika terjadi worse case peminat atas asset ini seharusnya cukup diminati.
The location of the ABK Hospital is ideal because it is on the main road in Pontianak so that if there is a bad case, enthusiasts for this asset should be quite in demand.

BU secara lisan konfirmasi ke KJPP rekanan PB, didapatkan dengan nilai yang dikeluarkan oleh KJPP Nirboyo, masih termasuk wajar.
BU verbally confirmed to KJPP PB partners, obtained with the value issued by KJPP Nirboyo, is still reasonable.

SLIK DETAILS & COLLECTABILITY

Source of information:

Note :
Note:

SLIK PT ABK dalam kondisi lancar dan hanya memiliki 2 fasilitas
SLIK PT ABK is in good condition and only has 2 facilities

Untuk pengurus dan pemegang saham kondisi saat ini dalam kondisi Lancar
For the management and shareholders the current condition is in a current condition

Namun ada catatan negative pada SLIK untuk salah satu Direksi yaitu Bp Mahendra Jaya, dimana tampak ybs memiliki record sebagai berikut :
However, there is a negative record on SLIK for one of the Board of Directors, namely Mr. Mahendra Jaya, where it appears that he has the following record:

Kol 2 DPD 18 Days Fasilitas Kredit Multi Guna di Bank Mandiri, Pada Juli-Oktober 2023, namun telah dilunasi di November 2023
Col 2 DPD 18 Days Multi-Purpose Credit Facility at Bank Mandiri, In July-October 2023, but has been repaid in November 2023

Kol 5 Kartu Kredit di Bank BRI, Lunas di Januari 2024
Col 5 Credit Cards at Bank BRI, Paid Off in January 2024

Record Kol 2 DPD 20, KMG Permata, Apr dan May 23, Lunas di Jun 23
Record Col 2 DPD 20, KMG Permata, Apr and May 23, Paid off in Jun 23

Diketahui bahwa bisnis Bp Mahendra Jaya saat itu sedang turun, dimana bisnis utamanya adalah distributor pupuk, buyer utamanya saat itu adalah PTPN 13, yang saat itu sedang bermasalah di internal, sehingga membuat pembayaran ke Bp Mahendra Jaya menjadi sangat Panjang hal ini membuat cash flow Bp Mahendra Jaya memburuk. Namun demikian semua fasilitas saat yang bermasalah telah lunas.
It is known that Bp Mahendra Jaya's business at that time was going down, where the main business was a fertilizer distributor, the main buyer at that time was PTPN 13, which at that time was having internal problems, so that making payments to Bp Mahendra Jaya very long, this made Bp Mahendra Jaya's cash flow deteriorate. However, all facilities at the time of the problem have been paid off.

Selain itu porsi kepemilikan Bp Mahendra Jaya atas keseluruhan saham hanya sebesar 7% sehingga bukan pemegang saham mayoritas.
In addition, Bp Mahendra Jaya's portion of ownership of the entire shares is only 7% so it is not the majority shareholder.

RS ABK dikelola manajemen professional diluar usaha pribadi Bp Mahendra Jaya, sehingga tidak mempengaruhi pembayaran RS ABK kepada PB.
ABK Hospital is managed by professional management outside of Bp Mahendra Jaya's personal business, so it does not affect the payment of ABK Hospital to PB.

WACG DETAILS

Customer	CRG	PD	Limit (in IDR Mn)	PD x EAD (in IDR Mn)	Solid Collateral (in IDR Mn)
PT Anugerah Bunda Khatulistiwa	8A	1.54%	130,000	2,003	162,500
WA Credit Grade	8A	1.54%	130,000	2,003
Collateral Coverage					125%

COVENANT MONITORING FULLFILLMENT

No.	Covenant and Risk Trigger	Pemenuhan / Keterangan Fulfillment / Description
1.	Nasabah wajib Menyerahkan Laporan Keuangan Audited paling lambat 180 hari kalender sejak tanggal pelaporan dengan menggunakan KAP dan metode pencatatan sesuai ketentuan Bank Customers are required to submit Audited Financial Statements no later than 180 calendar days from the date of reporting by using KAP and recording methods in accordance with the Bank's provisions	New
2	Nasabah wajib menyerahkan laporan keuangan Internal semesteran selambat-lambatnya 90 (Sembilan puluh) hari kalender dari tanggal pelaporan The Customer is required to submit the Internal financial statements for the first semesterno later than 90 (ninety) calendar days fromthe date of reporting	New
3	Nasabah wajib menyerahkan laporan appraisal jaminan dari rekanan Bank setiap 2 tahun sekali Customers are required to submit a guarantee appraisal report from a Bank partner every 2 years	New
4	Nasabah wajib menyerahkan laporan 3 bulanan / kuartalan maksimum 30 hari setelah tanggal akhir kuartal berupa: Customers are required to submit 3 monthly / quarterly reports a maximum of 30 days after the end of the quarter in the form of: Laporan pendapatan termasuk informasi BOR, Average Length of Stay, Bed Availability. Revenue reports include BOR information, Average Length of Stay, Bed Availability. Laporan progress pekerjaan dan S-Curve Work progress report and S-Curve	New
5	Toleransi maksimum antara internal Progress Report dan S-curve adalah 10% (untuk mendefinisikan kondisi bila Progress Report tidak mencapai target pada S-Curve atau apabila ada keterlambatan dalam pengerjaan proyek) The maximum tolerance between the internal Progress Report and the S-curve is 10% (to define the conditions when the Progress Report does not reach the target on the S-Curve or if there is a delay in project work)	New
6	Penarikan dividen maks 30% dari Laba Bersih Setelah Pajak akhir tahun buku tahun sebelumnya. Withdrawal of dividends of 30% max from Net Profit After Tax at the end of the previous year's financial year.	New
7	Menyerahkan penilaian jaminan menggunakan KJPP Rekanan Bank Permata maksimal 2 bulan setelah signing. Submit a guarantee assessment using KJPP Bank Permata Partners a maximum of 2 months after signing.	New
8	Nasabah wajib memaintain rasio-rasio dibawah ini: Customers are required to maintain the following ratios: Nasabah wajib menjaga Current Ratio (Current Asset / (Current Liabilities) min 1.0x The Customer is obliged to maintain the Current Ratio(Current Asset / (Current Liabilities) min 1.0x Nasabah wajib menjaga DSCR [(laba operasi + depresiasi + amortisasi) / (biaya bunga + porsi hutang jangka panjang yang jatuh tempo dalam 1 tahun (t-1))] minimal sebesar 1.0x. The Customer is required to maintain a DSCR [(operating profit + depreciation + amortization) / (interest expense + portion of long-term debt maturing in 1 year (t-1))] of at least 1.0x.	New

FORM TRADE CHECKING

TC SUPPLIERS

No It	Supplier Name	Produk Product	PIC Name – Phone	% Sales	Length of Relationship	Trade Checking Result
1.	Enseval Putera Megatrading	Obat dan BMHP Drugs and BMHP	Adith - 0859106660639	5%	> 20 Tahun > 20 Years	Call 14.37 Wib tanggal 14/01/2025 Call 14.37 WIB on 14/01/2025 Positif Positive Pembayaran 30 hari, semua jenis obat dan BMHP (Barang Medis Habis Pakai), pembayaran lancar 30-day payment, all kinds of medicines and BMHP (Consumable Medical Goods), smooth payment
2.	Anugerah Pharmindo Lestari Pharmindo Lestari Award	Obat Medicine	Suandy - 081345962663	3.8%	> 15 tahun > 15 years	Call 17.05 Wib tanggal 14/01/2025 Call 17.05 WIB on 14/01/2025 Positif Positive Pembayaran 30 – 45 hari, supply berbagai jenis obat, supply obat +/- 300 juta /bulan. Payment 30 – 45 days, supply of various types of drugs, drug supply +/- 300 million /month.
3	Parit Padang Global	Obat Medicine	Anton - 085252270611	na%	> 13 Tahun > 13 Years	Call 16.35 Wib tanggal 14/01/2025 Call 16.35 WIB on 14/01/2025 Pembayaran 30 hari, total pembelian perbulan tidak diketahui karena ada di bagian lain. Namun terinformasi pembayaran lancar. 30-day payment, the total monthly purchase is unknown because it is in another part. However, it was informed that the payment was smooth.
4	Bina San Prima	Obat Medicine	Supianto - 082250450697	%	>10 tahun >10 years	Belum angkat telpon Haven't picked up the phone
5	Anugrah Argon Medica Argon Medica Grace	Obat dan BMHP Drugs and BMHP	Theo - 089693367983 According to - 089693367983	6.3%	>10 tahun >10 years	Call 17.19 Wib tanggal 14/01/2025 Call 17.19 WIB on 14/01/2025 Pembayaran 30 hari, total pembelian perbulan +/- IDR 500 Juta, pembayaran lancar. 30 days payment, total purchase per month +/- IDR 500 Million, smooth payment.

TC BUYERS

No
It

Buyer Name

Produk
Product

PIC Name – Phone

Penjualan
Sales

Length of Relationship

Trade Checking Result

Buyer ada end user / pasien, sehingga tidak dapat dilakukan trade checking
Buyer has an end user / patient, so trade checking cannot be done

DESKTOP CHECKING RESULT

Tidak ada informasi mengenai PT ABK/RS ABK
No information about PT ABK/ABK HOSPITAL

Additional info:

Pembayaran Pasien Rawat Jalan Cash sebanyak 73.9%
Cash Outpatient Payment of 73.9%

Pembayaran Pasien Rawat Jalan Asuransi sebanyak 26.1%
Insurance Outpatient Payment of 26.1%

Pembayaran Pasien Rawat Inap Cash sebanyak 73.4%
Cash Patient Payment of 73.4%

Pembayaran Pasien Rawat Jalan Asuransi sebanyak 26.6%
Insurance Outpatient Payment of 26.6%

Total persentase antara Pembayaran Cash adalah 73.6% dan asuransi 26.4%
The total percentage between Cash Payments is 73.6% and insurance 26.4%

Total Pasien Masuk adalah 77,017 Pasien, 93.5% pasien Rawat Jalan dan 6.5% pasien rawat inap. Namun walau demikian pendapatan dari pasien rawat inap lebih tinggi dari pasien rawat jalan, berdasarkan data tahun 2023 pendapatan Rawat Jalan 3.5% sedangkan pendapat Rawat Inap 21.3% dari total pendapatan usaha.
The Total Admitted Patients were 77,017 Patients, 93.5% Outpatients and 6.5% Inpatients. However, even so, revenue from inpatients is higher than that of outpatients, based on 2023 data, Outpatient revenue is 3.5% while Inpatient opinion is 21.3% of total business revenue.

Historical Data RS ABK
Historical Data of ABK Hospital

ESTIMASI RENCANA ANGGARAN BANGUNAN :
ESTIMATED BUILDING BUDGET PLAN:

A = Bangunan Rumah Sakit Exist
A = Hospital Building Exists

B = Lahan yang akan dibangun tambahan Rumah Sakit, saat ini bagian dari rumah sakit yang digunakan sebagai Lahan Parkir
B = Land to be built as an additional hospital, currently part of the hospital used as a Parking Lot

SHGB 08 an PT Anugerah Bunda Khatulistiwa

Rencana Bangunan tampak samping
Side view of the building plan

RAB Lengkap / Final akan diterbitkan oleh kontraktor, sehingga belum tersedia untuk saat ini.
The Full / Final RAB will be issued by the contractor, so it is not yet available for now.

Saat ini PT ABK sedang Bersiap-siap untuk melakukan Lelang kepada kontraktor, terinformasi sudah ada kontraktor dari lokal (pontianak) maupun dari luar daerah termasuk dari Jakarta, sudah melakukan komunikasi. Diharapkan approval dari Bank telah tersedia, sebelum tandatangan PKS dengan kontraktor.
Currently, PT ABK is getting ready to conduct an auction to contractors, it is informed that there are contractors from local (pontianak) and from outside the region, including from Jakarta, have communicated. It is hoped that approval from the Bank will be available, before thearrival of the PKS with the contractor.