NPAT in 2008 increased another 207% following last year?s unprecedented 304% increase. The increase stemmed not only from interest income, which rose by 74%, but also from a 194% increase in fee income. ANJ Finance?s DER ranks among the most prudent finance companies operating in Indonesia

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Increasing Interest Income

From low-margin new-car financing toward higher-margin used-car financing

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Balance Sheet Strength

ANJ Finance?s equity base is among the strongest relative to liabilities

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PT ANJ Finance (ANJ Finance)

ANJ Finance is a foreign investment company owned by PT Austindo Nusantara Jaya as its majority shareholder (81.6%) and JP Morgan, Investor AB, and Fidelity as minority shareholders. ANJ Finance focuses its business in used-car financing. In 2008 it has 32 branches in Indonesia, from Sumatera to Ambon. Within the group of larger finance companies in Indonesia that have shareholders’ equity greater than USD 20 million, ANJ Finance’s equity base is among the strongest relative to liabilities. In 2009 Infobank has ranked ANJ Finance No. 15 of 141 multi-finance companies with total assets greater than Rp 1 trilion with Very Good (Sangat Bagus) category.

Visit www.anjfinance.com for more info.