ORIX Indonesia Finance:

ORIX Indonesia Finance:
Make your life easier with leasing

In today's competitive business world, prudent cash flow
management is of paramount importance for the operation of both
big corporations and small companies

Cash is the oxygen that enables a company to survive and
perform well. Without profits and sales a company may be able to
survive for a certain period of time, but without cash, it will
die.

With leasing, a company will be able to better manage its
cashflow as renting a vehicle or office equipment through a
leasing company will not affect the company's credit lines at
banks. In addition, the lower rental payments will result in a
cash saving to the company's balance sheet.

For this reason, many companies have chosen leasing as their
preferred method of fulfilling their office equipment or vehicle
needs thanks to the flexibility and various advantages it offers.

Choosing the right leasing company, however, is not as easy as
you might think. You have to carefully assess its financial
background, and its credibility and business track record before
deciding to deal with it.

PT ORIX Indonesia Finance (ORIF), one of the major leasing
companies in the country, can fulfill all the requirements --
trust, credibility and financial strength.

Established on April 21, 1975, under the name PT Orient Bina
Usaha Leasing (OBUL), PT ORIF was among the first leasing
companies to operate in Indonesia.

The name of the company was changed to PT ORIX Indonesia
Finance in 1991 following the change in the name of its majority
shareholder, Orient Leasing Co Ltd of Japan, to ORIX Corporation.

Other shareholders are the Bank of Indonesia Employees
Foundation (Yayasan Kesejahteraan Karyawan Bank Indonesia) and PT
Bina Usaha Indonesia.

ORIF, which focused on finance lease services during the early
years of its operation, has rapidly grown to become a leader in
the country's leasing industry. The company expanded its services
to include operating leases in April 1996 to satisfy the demand
for value-added leasing services.

ORIF not only provides vehicle operating leases but also
equipment operating lease to give companies better cashflow
control.

Among the types of equipment on offer are personal computers,
notebooks, computer servers, PABX business telephone systems,
Point of Sale System (POS) hardware, forklifts, ATM machines and
excavators.

When you need a new vehicle, for example, ORIF will provide
you with either a new Japanese, European or American model, with
all the options you want and the color you prefer. We will ensure
you a high quality of service based upon the experience we have
gained from our parent company that manages a fleet of
approximately 500,000 vehicles in Japan.

The advantages of our services include;

- All the maintenance (breakdown and regular maintenance),
insurance, towing, vehicle document (STNK) renewal and the supply
of replacement vehicles provided by ORIF.
- Supported by 200 authorized repair shops throughout the
country, ORIF also offers 24-hour assistance in Indonesian,
English and Japanese.
- When the contract ends, you can continue to use the car by
renewing the contract or just return the vehicle to ORIF.
- Under an operating lease contract, the lessee does not need to
make a down payment, thus enabling you to manage yours budget in
a more efficient way.
- Another benefit of the operating lease arrangement is that the
leased items are treated as off balance sheet transaction. This
means that leased items will not appear as assets on your balance
sheet, thus helping improve your financial ratios, such as ROA
(Return on Assets) and ROE (Return on Equity).
- As ORIF charges a pre-agreed, fixed monthly charge, your
budgeting is made easier and more accurate. Consequently, by
availing of the operating lease mechanism, a company will be able
to focus more on your core business.
- Operating lease certainly offers much more benefits than what
many people expect.

ORIF has provided operating lease services to more than 200
companies - 66 percent of which are multinational (Western)
companies, 19 percent multinational Japanese companies and 14
percent local publicly listed companies.

PT ORIX Indonesia Finance, headquartered in Jakarta, has an
extensive marketing network consisting of three branches in
Jakarta and another six in Surabaya, Bandung, Semarang, Solo,
Medan and Palembang respectively.

ORIF's majority shareholder, ORIX Corporation is an integrated
financial services group based in Tokyo,Japan, providing
innovative value-added products and services to both corporate
and retail customers.

ORIX's activities include leasing, corporate and customer
finance, real estate-related finance and development, life
insurance, and investment banking.

With operations in 23 countries worldwide ORIX is made up of
200 consolidated subsidiaries and 74 affiliates. ORIX has 937
offices in Japan, with 238 locations throughout the United
States, Asia, Oceania, Europe, the Middle East and Northern
Africa (as of March 31, 2004).

ORIX has grown to become one of the fastest growing and most
progressive financial services organizations in the world.
Established in 1964, ORIX Corporation is a pioneer in the
Japanese leasing industry, and is listed on the New York Stock
Exchange (NYSE).