As part of our commitment to enhancing financial literacy and market understanding, PT Sinarmas Hana Finance (SHF) once again presents theMonthly Sector Report, providing insights into key developments across variousindustries that may impact business sustainability and strategicdecision-making.

In this edition, the report highlights several key sectorsrelated to SHF’s business ecosystem:

• Mining Sector – Indonesia's mining sector is expected to maintain a positive outlook, supported by the planned RKAB revision, improving Reference Coal Prices (HBA), and the continuation of downstream policies that are expected to stimulate production and investment. Nevertheless, market participants should remain mindful of commodity price volatility and global economic uncertainties.
• Heavy Equipment Sector – he heavy equipment sector is projected to remain resilient, driven by sustained demand from the mining and infrastructure industries. Lower industrial diesel prices may help reduce operating costs, while investment in electric heavy equipment manufacturing reflects growing opportunities for long-term industry transformation.
• Used Car Market – The used car market is expected to continue offering growth opportunities amid slower new vehicle sales and shifting consumer preferences. These conditions are likely to support demand for more affordable used vehicles, making the segment attractive for financing companies while maintaining prudent credit risk management.

To explore a more comprehensive analysis of these sectors, we invite you to read the full Monthly Sector Report.

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See you in the next edition with more exciting insight!

New Action, Greater Hana