Presentation to Investors (Financial Results 9M 2025) (LPKR 9M25 Company Presentation)

9M25 Corporate Presentation 7 November 2025

To be a leading real estate and healthcare company in Asia, advancing the wellbeing of those we serve.

1. To win the hearts and minds of our customers through quality homes,

   healthcare and lifestyle offerings, as well as people-centric services.

2. To build a talent-driven organization that prides itself on operational

   excellence and bringing out the best in our people.

3. To embrace innovation and technology

   in the constant pursuit of developing

   better products and processes.

4. To inspire our customers,

   communities, and partners towards a

   more sustai nable future.

   AGILITY

   • Thrive in dynamic environments and anticipate change.

   • Innovate and capitalize on new opportunities.

     CUSTOMER FOCUS

   • Put the customer first in every aspect of our business.

   • Go the extra mile to earn customer trust and loyalty.

     EXCELLENCE

   • Strive to be the best and uphold the highest standards of quality without compromise.

   • Unleash the full potential of our talent to deliver outstanding performance.

     STEWARDSHIP

   • Be responsibl e for our resources, environment and communities.

   • Create lasting, positive impact for all stakeholders in our ecosystem.

Leader in Fully Integrated Estate Operations - Scale, Integration and Financial Discipline:

Total Revenue: IDR 6.5tn in 9M25 Total Assets: IDR 49.3tn in 9M25 Total Equity: IDR 31.0tn in 9M25

Widespread presence in 56 cities and 26 provinces across Indonesia

Revenue breakdown: 85% Real Estate, 15% Lifestyle business (as of 9M25)

Real Estate

Large landbank and strong growth in marketing sales that is expected to remain elevated in coming years, generating positive cashflow

End-to-end revenue streams:

• Real Estate Development

• Township Management

• Water treatment and other supporting

services

80+ property development projects for sale

366 ha landbank in Lippo Village 466 ha landbank in Lippo Cikarang 342 ha landbank in Tanjung Bunga 164 ha landbank in various locations

Lifestyle

Malls, hotels, and ancillary business assets that are profitable and supplement the main business by providing regular dividend income

Wide range of business portfolio:

• Malls

• Hospitality

• Food catering, parking, and other

ancillary businesses

59 managed malls

10 hotels

17 provinces

2.5+ million m2 mall NLA

260+ millions annual mall visitors

Healthcare

Investment in the largest hospital operator in Indonesia, delivering clinical excellence and accessible healthcare

Complete healthcare service offerings:

• Hospitals

• Clinics

• Digital healthcare, homecare, and other

supporting services

41 hospitals

73 clinics

23 provinces

4,531 GPs, specialists, dentists

9,962 nurses and medical professionals

Real Estate

• 9M25 Marketing Sales reached IDR 4.02tn, achieving 64% of the FY25 target, This performance highlights sustained demand across affordable and premium landed housing in key regions.

• Revenue grew 74% YoY to IDR 5.51tn, supported by timely handovers of landed residential, high-rise, and commercial units across various projects, while EBITDA rose by 4% at IDR 843bn, supported by operational efficiencies and effective execution.

• The newly launched products include innovations in the premium series such as Belmont Homes, Bentley Homes, and The Allegra, as well as various new product types in the affordable housing series, including Treetop Livin, Gold Livin, Bronze Livin, and Quartz Livin.

Lifestyle

• Lifestyle revenue stable at IDR 994bn, while EBITDA increased 21% YoY to IDR 335bn, driven by stronger tenant leasing momentum and continued cost optimization initiatives across mall and hotel operations.

• Mall footfall averaged over 11.1 million visitors per month, marking a 7% YoY increase, while mall occupancy improved to 84.1% or increased by 5% YoY, reflecting stronger retail

higher tenant demand

recovery and

across major

locations.

• Average hotel room rates grew 2% YoY to IDR 635k, exceeding pre-pandemic levels, while occupancy strengthened to an average of 60%, rebounding from the soft levels seen in 1Q25 and 2Q25.

covering different area. Currently, Siloam

owns 5 robotic surgery.

advanced

surgery

technologies such as robotic

Healthcare

• Siloam's 9M25 performance is a pivoting quarter for Siloam signaling a return to growth, with revenue booked at IDR 7.29tn, increased by 3% YoY from 9M24. EBITDA stable at IDR 2.08tn with 29% EBITDA margin

• Overall throughput has been softer with outpatient visits recorded at 3,208,950 visits in 9M25. Both inpatient days and inpatient admissions reached 742,102 days and 234,724 visits.

• To achieve a better patient outcome, Siloam has invested in

(in IDR bn)

(in IDR bn)

+74%

-12%

0%

+52%

+4%

-12%

-17%

+4%

2,341

6,509

4,288

(120)

(1)

(4,963)

9,251

2,178

962

33

36

997

(1,216) (34)

9M24

SILO

9M24

Real Estate

Lifestyle Holdco 9M25

9M24

SILO

9M24

Real Estate

Lifestyle Holdco 9M25

Statutory Deconsolidation Proforma1

Development

Statutory

Statutory Deconsolidation

Proforma

Development

Statutory

• LPKR recorded revenue of IDR 6.51tn, increased by 52% YoY on a like-for-like basis. The increase was driven by the performance of real estate development from the handover of landed houses at Park Serpong.

• LPKR reported EBITDA of IDR 997bn in 9M25, a 4% YoY increase on a like-for-like basis, mainly attributable to margin compression in the Real Estate segment resulting from a change in product mix.

(in IDR bn)

EBITDA by Segment (in IDR bn)

Real Estate

15%

26%

843 811

9M 25 9M 24

Lifestyle

34%

27%

335

278

¹ 9M24 includes Siloam financials & 9M25 excludes Siloam financials after its deconsolidation

2 EBITDA excludes non-cash adjustment of Siloam's historical assets write-down in 2024

3 Others mainly consist of the rental equivalent expense component from the PSAK 73 leasing calculation

4 Non operational accounting adjustment from SILO one off in 2024, bonds buyback, FX as well as impact from sale & deconsolidation of SILO

9M 25 9M 24

= EBITDA margin 7

(in IDR bn) Operating Cash Flow

2,178

3

(125)

Net outflows driven by the Company's focus on completing and delivering several projects this year.

5,328

Cash at

beginning

Collections from Customers

Payments to Contractors/Suppliers and others

Net Interest

Expense

Cash from Investing Activities

Cash from Financing Activities

Forex Impact Cash at the end

Net interest expense dropped significantly to IDR 175 billion in 9M25, from IDR 765 billion in the same period last year, reflecting our successful deleveraging initiatives and commitment to ensuring sustainable cash flow generation going forward.

Financing Cash Flow

LPKR has secured a new BTN loan facility to refinance its syndicated

Cash from Operating Activities

loan, providing a more competitive interest rate of BI 7D RR + 1.4% to

1.75% margin.

0%

100%

336

367

429

76

2,857

USD debt (bonds)

2025 2026 2027 2028 2029-2032

(in IDR bn) Rating Action

7,395

0.22

10,732

0.46

8,586

0.38

12,562 11,730

1,104

0.04

2,752

0.09

CFR: B3 (positive)

(as of 3 October 2024)

0.59

0.66

2019

2020 2021

2022

2023

2024 9M 25

DER