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(The following statement was released by the rating agency) JAKARTA, August 22 (Fitch) This announcement replaces the version published on 18 August 2017 to remove the senior unsecured ratings and debt programmes. Fitch Ratings Indonesia has affirmed the National Long Term Rating of PT Sarana Multigriya Finansial (Persero) (SMF) at ‘AA+(idn)’ with a Stable Outlook and the National Short Term Rating at ‘F1+(idn)’. SMF’s ratings reflect the government’s strong control and hence oversight of SMF, as well as a track record of state Official Moncler Outlet financial support. Fitch believes there is a high probability moncler jackets on sale of extraordinary state support for SMF, if needed. ‘AA+’ National Ratings denote expectations of very low moncler outlet online default risk relative to other issuers or obligations in the same country. The default risk inherently differs only slightly from that of the country’s highest rated issuers or obligations. ‘F1+’ moncler outlet canada Short Term National Ratings indicate the strongest capacity for timely payment of financial commitments relative to moncler outlet store other issuers or obligations in the same country. On Fitch’s National Rating scale, this rating is assigned to the lowest default risk relative to others in the same country. Where the liquidity profile is particularly strong, a “+” is added to the assigned rating. KEY RATING DRIVERS Control “Stronger”: SMF was established by the Ministry of Finance (MoF) under the Presidential Regulation No. 19 of 2005 and is the sole company offering secondary mortgage financing in Indonesia. moncler jackets outlet online The MoF has direct moncler coats cheap control over SMF’s strategic moncler coats for cheap direction through the appointment of the board moncler jackets outlet of commissioners and board of directors. The company’s moncler outlet mall annual budgets and long term plans are subject to audit and approval by the MoF. In view of the government’s moncler outlet ny tight oversight, the attribute was assessed at Stronger. Integration “Stronger: Since its establishment, moncler outlet kids the MoF has consistently provided capital support totalling IDR5 trillion, including an IDR1 trillion planned capital injection moncler outlet for 2017. Fitch sees the recurring financial support as an indication of the government’s strong commitment in supporting SMF’s ongoing expansion and that further contributions can be expected. Legal Status “Midrange”: Although SMF is wholly owned by the Indonesian state, the entity can be made bankrupt. The attribute was assessed at Midrange as there is no automatic assumption of SMF’s liabilities by the government. Strategic Importance “Midrange”: SMF plays a strategic role in developing the secondary mortgage market in Indonesia. SMF moncler coats for women helps to increase the longer term funding availability for the housing financial system through direct lending to mortgage lenders and the securitisation of residential mortgage backed securities (RMBS). Its strategic importance was assessed at Midrange considering mortgage loans as a moncler coats sale percentage of Indonesian GDP is low at 2.8%. Developing Indonesia’s RMBS Market: As Moncler Factory Outlet Indonesia’s secondary mortgage market is still under development, Fitch believes SMF will continue to moncler outlet woodbury play a key role over the longer term. In 2016, SMF successfully issued IDR1.5 moncler outlet location trillion of RMBS participation certificates, following Indonesia’s first issuance of RMBS with participation letter Cheap Moncler sale in 2015. There were no non performing loans at end 2016 as the issues are backed by collateral and stringent underwriting requirements. SMF’s Expanding Role: In order to broaden the mortgage debtor base, SMF has experienced tremendous growth, with a total asset CAGR of 21% from 2013 2016. Management expects the lending segment to remain a growth driver moncler jackets kids following the relaxation of the mortgage market in 2016 and expects stable growth for net income in 2017. Increasing Leverage: Asset liability management is integral to moncler outlets usa SMF’s financing plan, while the company’s debt maturity profile closely matches that of loans due from mortgage lenders. Moreover, SMF has maintained sound liquidity with liquid assets of IDR4 trillion, or 30% of total assets, as of end 2016. SMF’s defined leverage of debt to equity has gradually increased to 1.6x, but remained well below an internal limit of 4x. RATING SENSITIVITIES Downward rating pressure could arise from any negative changes to SMF’s legal moncler jackets toronto status through a dilution of the government’s ownership or a reduction in the MOF’s influence on the company’s strategy and operations. Contact: Jessica Pratiwi Analyst +62 21 2988 6816 PT Fitch Ratings Indonesia DBS Bank Tower 24th Floor, Suite 2403 Jl. Prof. Dr. 18 Apr 2016) here National Scale Ratings Criteria (pub. 07 Mar 2017) here Rating of Public Sector Entities Outside the United States (pub. 22 Feb 2016) here Additional Disclosures Solicitation Status heresolicitation Endorsement Policy here ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: here. PUBLISHED RATINGS, CRITERIA, AND METHODOLOGIES ARE AVAILABLE FROM moncler coats for kids THIS SITE AT ALL TIMES. FITCH’S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE, AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE CODE OF CONDUCT SECTION OF THIS SITE. DIRECTORS AND SHAREHOLDERS RELEVANT INTERESTS ARE AVAILABLE here. FITCH MAY HAVE PROVIDED ANOTHER PERMISSIBLE SERVICE TO THE RATED ENTITY moncler jacket outlet OR ITS RELATED moncler outlet uk THIRD PARTIES. DETAILS OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS BASED IN AN EU REGISTERED ENTITY CAN BE FOUND ON THE ENTITY SUMMARY PAGE FOR THIS ISSUER ON THE FITCH WEBSITE. and moncler jackets for women its subsidiaries. 33 Whitehall Street, NY, NY 10004. Telephone: 1 800 753 4824, (212) 908 0500. Fax: (212) 480 4435. Reproduction or retransmission in whole or in part is prohibited except by permission. Fitch conducts a reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology, and obtains moncler outlet usa reasonable verification of that information from moncler chicago independent sources, to the extent such sources are available for a given security or cheap moncler jackets in a given jurisdiction. The manner of Fitch’s factual investigation and the scope of the third party verification it obtains will vary depending on the nature of the rated security and its issuer, the requirements and practices in the jurisdiction in which the rated security is offered and sold and/or the issuer is located, the availability and nature of relevant public information, access to the management of the issuer and its advisers, the availability of pre existing third party verifications such as audit reports, Discount Moncler Coats agreed upon procedures letters, appraisals, actuarial reports, engineering reports, legal opinions and other reports provided by third parties, the availability of moncler coats outlet independent and competent third party verification sources with respect to the particular security or in the particular jurisdiction of the issuer, and a variety of other factors. Users of Fitch’s ratings and reports should moncler jackets mens understand that neither an enhanced factual investigation nor any third party verification can ensure that all of the information Fitch relies on in connection with a rating or a report will be accurate and complete. Ultimately, the issuer and its advisers are responsible for the accuracy of the information they provide to Fitch and to the market in offering documents and other reports. In issuing its ratings and its reports, Fitch must rely on the work of experts, including independent auditors with respect to financial statements and attorneys with respect to legal and tax matters. Further, ratings and forecasts of financial and other information are inherently forward looking and embody assumptions and predictions about future events that by their nature cannot be verified as facts. As a result, despite any verification of current facts, ratings and forecasts can be affected by future events womens moncler jackets or conditions that were not anticipated at the time a rating or forecast was issued or affirmed. The information in this report is provided “as is” without any representation or warranty of any kind, and Fitch does not represent or warrant that the report or any of its contents will meet any of the requirements of a recipient of the report. A Fitch rating is an opinion as to the creditworthiness of a security. This opinion and reports made by Fitch are based on established criteria and methodologies that moncler jackets men Fitch is continuously evaluating and updating. cheap moncler jackets outlet Therefore, ratings and reports are the collective work product of Fitch and no individual, or group of individuals, is solely responsible for a rating or a report. moncler jackets The rating does not address the risk of loss due to risks other than credit risk, unless such risk is specifically mentioned. cheap moncler coats for women Fitch is not engaged in the offer or sale of any security. Individuals identified in a Fitch report were involved in, but are not solely responsible for, the opinions stated therein. The individuals are named for contact purposes only. A report providing a Fitch rating is neither a prospectus nor a substitute for the information assembled, verified and presented to investors by the issuer and its agents in connection with the sale of the securities. Ratings may be changed or withdrawn at any time for any reason in the sole discretion of Fitch. Fitch does not provide investment advice of any sort. Ratings are not a recommendation to buy, sell, or hold any security. Ratings do not comment on the adequacy of market price, the suitability of any security for a particular investor, or the tax exempt nature or taxability of payments made in respect to any security. Such fees generally vary from US$1,000 to US$750,000 (or the applicable currency equivalent) per issue. In certain cases, Fitch will rate all or a number of issues issued by a particular issuer, or insured or guaranteed by a particular insurer or guarantor, for a single annual fee. Such fees are expected to vary moncler jackets cheap from US$10,000 to US$1,500,000 (or the applicable currency equivalent). The assignment, publication, or dissemination of a rating by Fitch shall not constitute a consent by Fitch to use its name as an expert in connection with any registration statement moncler outlet online store filed under the United States securities laws, the Financial Services and Markets Act of 2000 of the United Kingdom, or the securities laws of any particular jurisdiction. Due to the relative efficiency of electronic publishing and distribution, Fitch research may be available to electronic subscribers up to three days earlier than to print subscribers. For Australia, New Zealand, Taiwan and South Korea only: Fitch Australia Pty Ltd holds an Australian financial services license (AFS license no. Credit ratings information published by Fitch is not intended to buy moncler jackets toronto be used by persons who are retail clients within the meaning of the Corporations Act 2001.

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