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SHORT-TERM BANK LOANS (Tables)

12 Months Ended

Dec. 31, 2024

SHORT-TERM BANK LOANS

Schedule of short-term bank loans


		Outstanding
Lenders		2023		2024
Related parties
Bank Mandiri		4,013		3,755
BNI		903		1,799
Sub-total		4,916		5,554
Third parties
PT Bank HSBC Indonesia ("HSBC")		2,547		2,440
MUFG Bank ("MUFG")		1,155		1,805
Bank of China		—		1,000
PT Bank DBS Indonesia ("DBS")		440		440
PT Bank Maspion Indonesia Tbk. ("Bank Maspion")		—		167
UOB Indonesia		500		100
Others		92		19
Sub-total		4,734		5,971
Total		9,650		11,525

Schedule of short-term bank loans, other significant information

Total

facility

(in

Interest rate per

Borrower

Currency

billions)*

Maturity date

Interest rate

annum

Security**

Bank Mandiri

2020 - 2023

Finnet, PST

Rp

600

February 21, 2025 -
April 28, 2025

Monthly,
Quarterly

1 month
JIBOR + 1.30%
3 months
JIBOR + 1.25%

None

2021 - 2022

Nutech, Mitratel

Rp

3,550

July 25, 2025 -
September 27, 2025

Monthly

6.00% - 9.00%

Trade receivables and property and equipment

BNI

2014 - 2024

Sigma, GSD,
Mitratel

Rp

1,350

May 29, 2025 -
January 9, 2026

Monthly

6.00% - 8.50%

Trade receivables and property and equipment

2017 - 2021

Infomedia, Metranet,
Telkom Infra

Rp

1,135

February 18, 2025 -
June 6, 2025

Monthly

1 month JIBOR +
1.75% - 2.50%

Trade receivables

HSBC

2014

Sigma^a

Rp

400

November 6, 2025

Monthly

Under BLR 7.40%

Trade receivables

2018 - 2023

Sigma, Metra,
PINS, Metranet,
Telkomsat,
GSD, TDE

Rp

2,723

January 20, 2025 -
October 4, 2025

Monthly, Quarterly

1 month
JIBOR + 0.35% - 0.80%
3 months
JIBOR + 2.00%

None

MUFG

2018 - 2019

Infomedia,
Metra, GSD,
Telkom Infra,
Telkomsat

Rp

2,176

March 27, 2025 -
October 31, 2025

Monthly, Quarterly

1 month
JIBOR + 0.25% - 0.80%
3 months
JIBOR + 0.25% -0.80%

None

Bank of China

2020

The Company

Rp

1,000

October 23, 2025

Quarterly

4.90%

None

DBS

2018

Telkom Infra,
Infomedia

Rp

440

July 31, 2025

Monthly

1 month
JIBOR + 1.20%

None

Bank Maspion

2023

Metranet

Rp

170

January 26, 2025

Monthly

7.25%

None

UOB Indonesia

2016

Finnet

Rp

500

July 31, 2025

Monthly

1 month
JIBOR + 1.75%

None

*In original currency

**Refer to Note 6 and Note 12 for details of trade receivables and property and equipment pledged as collateral.

^aUnsettled loan will be automatically extended.

Schedule of current maturities of long-term borrowings


		Notes		2023		2024
Two-step loans		20a		84		—
Bonds and medium-term notes ("MTN")		20b		548		2,347
Bank loans		20c		9,282		13,519
Other borrowings		20d		362		—
Total				10,276		15,866