2025 Annual Report: Financial and Non-Financial Condition Disclosure

Business Development and Management Report

Throughout 2025, the Company continued to strengthen its commitment to delivering innovation and data-driven solutions to support the needs of the financial services industry. Various product developments and new capabilities were successfully launched as part of the Company’s efforts to enhance added value for its partners and service users.

One of the Company’s key achievements in 2025 was the development of a credit card dashboard in collaboration with the Indonesian Credit Card Association (AKKI) to support more comprehensive monitoring and analytical needs. In addition, the Company launched a general dashboard powered by Tableau, which can be utilized across various products and analytical requirements in a more flexible and interactive manner.

The Company also introduced a Sandbox Environment as a platform for statistical and analytical development, enabling more optimal data exploration and model development processes. On the risk management side, the Company launched Portfolio Risk Insight, designed to support risk profiling processes and assist in mitigating potential issues within collection activities.

These developments reflect the Company’s continued efforts to strengthen its digital capabilities, expand insight-based services, and support faster and more accurate decision-making for business partners.

Workforce Utilization

Throughout 2025, the Company focused on the enhancement and development of its human resources in order to improve service quality and deliver better customer experiences.

Governance Implementation

CLIK remains firmly committed to upholding the principles of good corporate governance by prioritizing transparency, accountability, and fairness. In 2025, CLIK implemented improvements to its Governance Structure to better support more progressive and responsible business growth. Overall, CLIK successfully achieved a “Very Good” rating in its self-assessment of Good Corporate Governance (GCG).

Financial Report

Statement of Financial Position as of December 31, 2025 (attached).

31 December 2025 (Rp)

ASSETS
Current Assets	138,809,715,957
Non-Current Assets	9,231,119,684
Total Assets	148,040,835,641
LIABILITIES AND EQUITY
Liabilities
Current Liabilities	48,963,058,953
Non-Current Liabilities	1,027,856,275
Total Liabilities	49,990,915,228

Total Equity	98,049,920,413
TOTAL LIABLITIES AND EQUITIY	148,040,835,641

STATEMENT OF PROFIT OR LOSS

31 December 2025 (Rp)

Revenue	119,210,480,436
Operating Expenses	94,202,638,464
Profit/(Loss)	25,007,841,972
Other Income	944,964,232
Profit/(Loss) Before Tax	25,952,806,204
Income Tax Expense	[5,617,943,981]
Net Profit	20,334,862,223
Other Comprehensive Income for the Year	339,595,823
Total Comprehensive Income for the Year	20,674,458,046

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