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

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

• Heavy Equipment Sector– Maintains a fairly positive outlook driven by the gradual approval of 2026 RKAB revisions, boosting mining activity and hauling demand. B50 implementation and stable fuel prices keep operational costs steady, though RKAB certainty and commodity prices require continued monitoring.
• Mining Sector – Shifts toward measured, selective production amid tightened coal and nickel quotas to balance market supply and prices. This favors operationally efficient companies while constraining volume growth for lower-quota operators.
• Used Car Market – Automotive and multifinance recovery remains limited by uneven purchasing power. Key growth opportunities lie in affordable vehicles and used hybrids, prioritizing selective expansion and risk managementover aggressive growth.

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

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See you in the next edition with more exciting insight!

New Action, Greater Hana