…Adira Finance operates 245 outlets throughout Indonesia…

        Built on a strong willingness to become the best and highly reputable company in consumer automotive financing sector, PT Adira Dinamika Multi Finance Tbk (“Adira Finance” or “the Company”), which was established since 1990, has become one of the largest multi-brand automotive financing companies in Indonesia in terms of market share and total managed assets. In March 2004, Adira Finance conducted an initial public offering, followed by the private placement, which allowed the transfer of 75.0% share ownership held by former shareholders to PT Bank Danamon Indonesia Tbk (Bank Danamon), one of the largest national private banks, owned by Temasek Group from Singapore. With the support from Bank Danamon, the Company continues to expand its business by creating competitive advantages in order to be able to bring superior value to both consumers and shareholders.

        In line with the Company’s core competence in managing risk of retail financing business, Adira Finance is concentrating more on the financing of the high-yield assets. With sizable funding support from Bank Danamon, also high professionalism and dedication, the Company was able to record new financing of Rp 8.5 trillion in 2006. From that new financing, 74.5% was derived from motorcycle financing sector and 25.0% was derived from car financing sector. The Company financed at least 12.2% of new motorcycles sales and 3.9% of new cars sales in Indonesia during 2006.

…touches the heart to bring sense of pride and integrity at work…

        The year 2006 was a year full of challenges as an effect of the unfavorable macro-economic condition. However, Adira Finance was able to get through such difficult year with satisfactory results. Such achievement can be realized due to the employees’ strong teamwork and the Company’s full attention toward human resources development. In an effort to have the great people, the Company has implemented its corporate culture through a continuous training program that touches employees’ heart, business partners and community in general. All of these efforts have brought a sense of pride and affection to the Company. Meanwhile, learning from the Company’s past experiences in going through difficult years, Adira Finance started to expand its wings and developed a proper strategy by starting to serve consumers who need to obtain financing in acquiring motorcycle or car and strengthening its position as a multi-brand automotive financing company. Such strategy has been proven to be effective in line with the growth in automotive industry particularly the growth in motorcycle, hence bringing Adira Finance to be one of the largest players in automotive financing sector, without the need to be affiliated with any particular brand. Supported by over 12,500 employees and 245 outlets spread throughout many cities in Indonesia, Adira Finance has strengthened its position to become one of the leading company in automotive consumer financing in Indonesia.