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3Q 2026 Results Oct 2026
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2 Forward-Looking Statements This document may contain forward-looking information or forward-looking statements including, but not limited to discussions of strategy, future plans and indicative financial performance (collectively, “forward-looking information”). Forward-looking information is based on the management’s current expectations, estimates, projections, and assumptions. While considered reasonable, these are subject to significant risks and uncertainties, including business, economic, competitive and other factors. Forward-looking information is not a guarantee of future performance, and undue reliance should not be placed on them as a basis for making any investment decision as they involve known and unknown risks, uncertainties and other factors (including the risks and uncertainties in the GoTo’s consolidated financial statements and Management’s Discussion and Analysis available on the GoTo’s website), that may cause the actual or future results may differ materially from those expressed or implied by such forward-looking information. Any estimates, investment strategies or views expressed in this document are based upon current market conditions, and/or data and information provided by unaffiliated third parties, and are subject to change without notice. GoTo Group has not independently verified any information obtained from third-party sources, which may impact the accuracy of the assumptions made and conclusions drawn. Except as required by law, GoTo Group disclaims any obligation to update or revise any forward-looking information, whether as a result of new information, events or otherwise. Readers are cautioned not to put undue reliance on this forward-looking information, which should not be viewed, in and of itself, as any basis for making any investment decision. Non-IFAS Measures GoTo Group uses a number of non-Indonesian Financial Accounting Standards (IFAS) financial measures including EBITDA, adjusted EBITDA and adjusted free cash flow, to understand and evaluate GoTo Group’s core operating performance. However, the definitions of GoTo Group’s non-IFAS financial measures presented herein may be different from those used by other companies, and therefore, may not be comparable. Furthermore, these non-IFAS financial measures have certain limitations in that they do not include the impact of certain expenses that are reflected in GoTo Group’s consolidated financial statements that are necessary to run GoTo Group’s business. Thus, these non-IFAS financial measures should be considered in addition to, not as substitutes for, or in isolation from, measures prepared in accordance with IFAS. Non-IFAS measurements are not intended to replace the presentation of GoTo Group’s financial results in accordance with IFAS. Rather, GoTo Group believes that the presentation of EBITDA, adjusted EBITDA and adjusted free cash flow provide additional information to investors to facilitate the comparison of past and present results, excluding those items that GoTo Group does not believe are indicative of GoTo Group’s ongoing operations due to their size and/or nature. EBITDA, adjusted EBITDA and adjusted free cash flow presented herein may not be comparable to similarly entitled measures presented by other companies, who may use and define this measure differently. Accordingly, these non-IFAS measures should not be compared to those presented by other companies. Consolidated Financial Information GoTo Group has furnished the results of the three months ended September 30, 2026, June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025, March 31, 2025, December 31, 2024 and September 30, 2024 which have been prepared by and are the responsibility of management. The consolidated financial information for the three months ended September 30, 2026, June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025, March 31, 2025, December 31, 2024 and September 30, 2024 have not been audited, reviewed, examined, or applied any procedures on. Accordingly, there are no opinions or any other form of assurance expressed with respect to any and all consolidated financial information for the three months ended September 30, 2026, June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025, March 31, 2025, December 31, 2024 and September 30, 2024 presented in this document. Certain amounts and percentages that appear in this document may not sum due to rounding. Disclaimer & Cautionary Statements
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3 Key Strategic Focus Financial and Operating Highlights Non-IFAS Reconciliations Appendix
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4 +402 Billion YoY Third Consecutive Quarter of Net Profit 1 For the definition of operating and financial metrics, please refer to the Appendix Group Net Profit1 IDR 441 Billion 1Q26 2Q26 3Q26 252 441 171 +75% QoQ Group Operating Income IDR 351 Billion
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5 Group: Adjusted EBITDA Reached IDR 950 Billion, up +84% YoY 1 For the definition of operating and financial metrics, please refer to the Appendix 672 2Q25 2Q263Q25 4Q25 1Q26 393 427 516 907 +84% YoY 1Q254Q243Q24 326 152 3Q26 1,010 Group Adjusted EBITDA1 (IDR billions) +84% YoY 950 Group Annual Transacting Users1 72.5m Users +16% YoY Growth
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6 Core GTV and Net Revenue Continues to Grow at Double-Digits Group Core GTV1 (IDR trillions) +89% YoY 2Q25 2Q263Q25 4Q25 1Q261Q254Q243Q24 72 79 83 90 103 124 138 164 3Q26 Group Net Revenue (IDR trillions) +17% YoY 2Q25 2Q263Q25 4Q25 1Q261Q254Q243Q24 3Q26 3.9 4.2 4.2 4.3 4.7 5.0 5.3 5.7 5.6 194 1 For the definition of operating and financial metrics, please refer to the Appendix
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7 1 For the definition of operating and financial metrics, please refer to the Appendix Raised FY26 Group Adj. EBITDA Guidance FY26 Group Adjusted EBITDA1 RAISED FY26 Fintech Adjusted EBITDA1 FY26 ODS Adjusted EBITDA1 RAISED RANGE WIDENED Previously IDR 3.2-3.4 Trillion Previously IDR 1.7-1.8 Trillion Previously IDR 1.4-1.5 Trillion Now IDR 3.5-3.7 Trillion Now IDR 1.9-2.0 Trillion Now IDR 1.4-1.6 Trillion
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8 +3% YoY 415 314 328 336 439 2Q25 2Q263Q25 4Q25 1Q261Q254Q243Q24 156 267 On-Demand Services: YoY Adj. EBITDA Growth Sustained Despite 2W Commission Cap ODS Adjusted EBITDA1 (IDR billions) +3% YoY 464 3Q26 1.0% 1.6% 2.0% 2.0% 2.0% 2.3% 2.7% 2.8% As % of Core GTV 347 1 For the definition of operating and financial metrics, please refer to the Appendix 2.1%
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9 Moderate GTV and Net Revenue Growth Anchored by Strong Order Volumes ODS Core GTV1,2 (IDR trillions) +1% YoY 2Q25 2Q263Q25 4Q25 1Q261Q254Q243Q24 3Q26 16.3 17.1 15.7 16.4 16.7 17.7 16.3 16.7 16.9 1 For the definition of operating and financial metrics, please refer to the Appendix 2 Excluding Vietnam ODS Net Revenue2 (IDR trillions) +3% YoY 2Q25 2Q263Q25 4Q25 1Q261Q254Q243Q24 3Q26 2.9 3.1 3.0 3.0 3.2 3.4 3.3 3.6 3.4 +9% YoY ODS Completed Order +10% YoY Mobility Completed Order +7% YoY Delivery Completed Order
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10 Mobility Adjusted EBITDA1,2 (IDR billions) -16% YoY 1 For the definition of operating and financial metrics, please refer to the Appendix 2 Before allocated corporate costs 185 226 190 275 280 290 159 222 183 Mobility: Adj. EBITDA Moderates Due to 2W Commission Cap 2Q25 2Q263Q25 4Q25 1Q261Q254Q243Q24 3Q26 2.9% 3.6% 3.8% 3.0% 3.0% 4.2% 4.9% 5.0% As % of Core GTV2.5% -16% YoY Impact of 8% commission in 2W effective 1 July 2026
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11 Delivery Adjusted EBITDA1,2 (IDR billions) +20% YoY 1 For the definition of operating and financial metrics, please refer to the Appendix 2 Before allocated corporate costs Delivery: 20% Adj EBITDA Growth and Margin Expansion 13 82 133 186 189 183 203 223 227 2Q25 2Q263Q25 4Q25 1Q261Q254Q243Q24 3Q26 0.1% 0.8% 1.4% 1.8% 1.8% 1.6% 1.9% 2.1% As % of Core GTV2.1% +20% YoY
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12 Fintech: Adj. EBITDA Surges 304% YoY 3Q24 1Q261Q25 2Q25 3Q25 +304% YoY 47 (65) 4Q24 4Q25 2Q26 14 88 136 226 364 Fintech Adjusted EBITDA1 (IDR billions) +304% YoY 3Q26 481 550 1 For the definition of operating and financial metrics, please refer to the Appendix
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13 Fintech Sustains Exceptional Top Line Growth Trajectory Fintech Core GTV1 (IDR trillions) +96% YoY 2Q25 2Q263Q25 4Q25 1Q261Q254Q24 3Q26 64.6 71.6 76.1 82.2 95.3 116.3 130.6 157.3 Fintech Net Revenue (IDR trillions) +49% YoY 2Q25 2Q263Q25 4Q25 1Q261Q254Q243Q24 3Q26 2.1 1.9 1.7 1.5 1.4 1.21.2 0.99 3Q24 187.0 2.3 1 For the definition of operating and financial metrics, please refer to the Appendix
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14 Fintech Surpasses 30 Million Users and 2.8 Billion Transactions Fintech Transactions (billions) +86% YoY 3Q25 3Q261Q25 2Q25 1Q26 2Q264Q253Q254Q243Q24 3Q26 18.8 20.2 20.6 22.4 24.2 26.2 27.5 28.8 2.8 Fintech Monthly Transacting Users1 (millions of users) +26% YoY 30.4 1 For the definition of operating and financial metrics, please refer to the Appendix +86%
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15 1Q25 2Q25 1Q26 2Q26 6.2 +51% YoY 9.9 4Q253Q254Q243Q24 4.7 5.7 8.0 9.1 Loan Book Grows 51% YoY to IDR 12 Trillion 7.0 Loan Book Total Loans Outstanding1,2 (IDR trillions) 3Q26 11.0 12.0 1 Includes consumer and merchant loans 2 For the definition of operating and financial metrics, please refer to the Appendix
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16 GoTo Trades at a Steep Discount to ODS and Fintech Companies CA to change the colors Sources: Factset as at 27 October 2026, Company financial statement as of 30 September 2026, Company guidance. USD 1 = IDR 17,998 1. Computed based on share price of Rp 24 as at close of 27 October 2026 multiplied by 1,151.4 billion total shares outstanding (1,191.1 billion issued shares less 39.8 billion treasury shares per IDX Monthly Shareholders Report as of 30 September 2026) 2. Cash in bank excluding customers and service providers’ deposit funds 3. Includes i) short-term borrowings (excl. IDR 1 trillion loan collateral as restricted cash); ii) bank loans; iii) non-bank loans; and iv) lease liabilities 4. Computed based on 2,965.7 million Bank Jago shares held multiplied by share price of IDR 575 as at close of 27 October 2026 5. Mid-point of GoTo CY26E Adjusted EBITDA guidance: IDR 3.5 trillion - IDR 3.7 trillion 6. Based on annualized 9M 2026 stock based compensation (9M 2026 stock based compensation at IDR 274 billion) 7. On-demand service companies include: Uber, Doordash, Meituan, Zomato, Grab, DiDi, Instacart, Lyft 8. Fintech companies include: Nu Holdings, Block, Ayden, Affirm, Kaspi, Chime, Klarna, Paypay, Kakao Bank, Mynt 9. Enterprise Value / CY26E EBITDA extracted on a post stock-based compensation basis (FactSet default) GoTo Enterprise Value / Illustrative CY26E EBITDA Value IDR billions USD millions GoTo Market Capitalization 1 27,633 1,535 Less: Cash and Equivalents 2, Time Deposits (22,518) (1,251) Add: Short-Term Borrowings and Long Term Debts 3 7,404 411 Less: Stake in Bank Jago 4 (1,705) (95) GoTo Enterprise Value 10,813 601 GoTo CY26E Adjusted EBITDA 5 3,600 200 Less: Stock Based Compensation 6 (365) (20) Illustrative GoTo CY26E EBITDA 3,235 180 GoTo Enterprise Value / Illustrative CY26E EBITDA 3.3x Enterprise Value / CY26E EBITDA Median of On-demand Service Companies 7,9 12.8x % discount of GoTo multiple to ODS Companies 74% Median of Fintech Companies 8,9 13.6x % discount of GoTo multiple to Fintech Companies 76%
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17 Share Buybacks and Cancellations Authorized Buyback Program Buybacks executed: IDR 985 billion Repurchased 3.0% of outstanding shares 19 June - 29 Oct 2026 Remaining buyback authorization: IDR 2,515 billion Effective until 18 June 2027 DEPLOYED TO DATE REMAINING BUYBACK Shares Cancellation The Company will cancel 32.18 billion shares 2.7% of outstanding shares Approved by Shareholders in the Company’s Extraordinary General Meeting of Shareholders on 14 October 2026 SHARES TO BE CANCELLED
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18 Key Strategic Focus Financial and Operating Highlights Non-IFAS Reconciliations Appendix
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19 3Q26 Group Key Operating Metrics 3Q25 4Q25 1Q26 2Q26 3Q263Q25 4Q25 1Q26 2Q26 3Q26 Group GTV1 IDR trillions +82% YoY Group Net Revenue IDR trillions+17% YoY Group Adjusted EBITDA1 IDR billions+84% YoY 176.5 211.7 236.3 271.4 321.5 4.7 5.0 5.3 5.7 5.6 516 672 907 1,010 950 Core GTV 102.8 Core GTV 124.0 Core GTV 137.7 Core GTV 164.3 Core GTV 193.9 Core GTV1 +89% YoY 3Q25 4Q25 1Q26 2Q26 3Q26 1 For the definition of operating and financial metrics, please refer to the Appendix
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20 3Q26 On-Demand Services Key Operating Metrics ODS GTV1 IDR trillions +1% YoY ODS Net Revenue IDR trillions+3% YoY ODS Adjusted EBITDA1 IDR billions+3% YoY 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q263Q25 4Q25 1Q26 2Q26 3Q26 16.7 17.7 16.3 16.7 16.9 336 415 439 464 2.0% 2.1% As % of GTV2.3% 2.7% 2.8% 3.2 3.4 3.4 3.6 3.3 347 1 For the definition of operating and financial metrics, please refer to the Appendix
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21 GTV1 IDR trillions +0% YoY 3Q26 On-Demand Services Mobility Net Revenue IDR trillions -5% YoY Adjusted EBITDA1,2 IDR billions -16% YoY 3Q25 3.0% 2.5% As % of GTV GTV1 IDR trillions +1% YoY 3Q26 On-Demand Services Delivery Net Revenue IDR trillions +6% YoY Adjusted EBITDA1,2 IDR billions+20% YoY 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 6.3 6.5 5.7 5.9 6.3 0.80 0.86 0.81 0.87 0.76 190 275 280 290 159 10.5 11.2 10.6 10.8 10.6 2.4 2.5 2.5 2.7 2.5 189 183 203 223 227 4.2% 4.9% 5.0% 1.8% 2.1% As % of GTV1.6% 1.9% 2.1% 1 For the definition of operating and financial metrics, please refer to the Appendix 2 Before allocated corporate costs
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22 3Q26 Fintech Key Operating Metrics Fintech GTV1 IDR trillions +86% YoY Fintech Net Revenue IDR trillions+49% YoY Fintech Adjusted EBITDA1 IDR billions+304% YoY 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q263Q25 4Q25 1Q26 2Q26 3Q26 170.0 205.0 230.2 265.4 315.6 1.5 1.7 1.9 2.1 2.3 136 226 364 481 550 Core GTV 95.3 Core GTV 116.3 Core GTV 130.6 Core GTV 157.3 Core GTV 187.0 Core GTV1 +96% YoY 1 For the definition of operating and financial metrics, please refer to the Appendix
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23 in IDR trillions Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Current 6.94 7.88 8.49 9.48 10.28 Overdue: 1-30 days past due 0.24 0.25 0.28 0.32 0.44 31-90 days past due 0.28 0.36 0.40 0.44 0.46 >90 days past due 0.06 0.08 0.07 0.08 0.10 Total 7.52 8.56 9.23 10.32 11.28 as % of total Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Current 92.3% 92.1% 92.0% 91.8% 91.1% Overdue: 1-30 days past due 3.2% 2.9% 3.0% 3.1% 3.9% 31-90 days past due 3.7% 4.1% 4.3% 4.3% 4.1% >90 days past due 0.8% 0.9% 0.8% 0.8% 0.9% Total Overdue 7.7% 7.9% 8.0% 8.2% 8.9% Stable Portfolio Quality with Low NPLs Loan Aging Schedule1 1 Figure includes consumer and merchant lending book; excludes Vehicle Financing lending book
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24 Financial Updates: Ecommerce Service Fee 211 193 288 235 1 Excluding VAT 2 USD 1 = IDR 17,998 263 199 217 183172 2Q25 2Q263Q25 4Q25 1Q261Q254Q243Q24 3Q26 E-commerce Service Fee1 (IDR billions) IDR 235 Billion USD 13 Million2 3Q 2026 or
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25 Financial Updates: Adjusted Free Cash Flow & Cash Balance Adj. Free Cash Flow1 IDR 1,209 Billion USD 67 Million2 3Q 2026 or 1 For the definition of operating and financial metrics, please refer to the Appendix 2 USD 1 = IDR 17,998 3 Cash, cash equivalents and short-term time deposits Cash Balance3 IDR 24.5 Trillion USD 1.4 Billion2 As of end of Sep 2026 or 2Q263Q25 4Q25 1Q26 3Q26 Jun ‘26Sep ‘25 Dec ‘25 Mar ‘26 Sep ‘26 1,209 809 1,259 748 247 24.5 23.723.0 22.1 18.0
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26 Key Strategic Focus Financial and Operating Highlights Non-IFAS Reconciliations Appendix
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27 In IDR Billions, unless otherwise stated Note: 1. These non-recurring items also include restructuring costs Group Adjusted EBITDA reconciliation In IDR Billions, unless otherwise stated For Three-Month Ended For Nine-Month Ended Sep 30 Sep 30 2026 2025 2026 2025 Profit/(loss) before income tax 584 (144) 1,275 (644) Add/(Deduct): Finance income (201) (140) (529) (430) Interest expenses 235 119 617 354 Foreign exchange gain, net (36) (148) (351) (104) Share of net (profits)/losses in associates and joint ventures, net (165) 176 (150) 354 Loss/(gain) on divestment and dilution of investments, net 8 0 (8) (1) Loss on impairment of intangible and fixed assets 2 2 7 3 Loss on impairment of investment in associates and joint ventures 0 0 15 0 Fair value adjustment of financial instruments (54) 96 274 281 Dividend income (18) (13) (24) (18) Other expenses/(income) (4) 1 7 (18) Profit/(loss) from operations 351 (51) 1,133 (223) Depreciation and amortization expenses 203 196 600 552 Non-recurring items ¹ 356 224 867 487 EBITDA 910 369 2,600 816 Share based compensation cost 36 148 274 502 Other income/(expenses) 4 (1) (7) 18 Adjusted EBITDA 950 516 2,867 1,336
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28 Segment Adjusted EBITDA reconciliation In IDR Billions, unless otherwise stated For Three-Month Ended Sep 30, 2026 On-demand Financial eCommerce Corporate Total services technology cost consolidated Segment profit/(loss) from operations 264 379 205 (497) 351 Add/(Deduct): Depreciation and amortization expenses 50 139 0 14 203 Non-recurring items 13 0 0 343 356 Share-based compensation cost 14 31 1 (10) 36 Other income/(expenses) 6 1 0 (3) 4 Adjusted EBITDA 347 550 206 (153) 950 For Three-Month Ended Sep 30, 2025 On-demand Financial eCommerce Corporate Total services technology cost consolidated Segment profit/(loss) from operations 220 (131) 172 (312) (51) Add/(Deduct): Depreciation and amortization expenses 46 139 0 11 196 Non-recurring items 29 90 0 105 224 Share-based compensation cost 41 38 10 59 148 Other income/(expenses) 0 0 0 (1) (1) Adjusted EBITDA 336 136 182 (138) 516
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29 Segment Adjusted EBITDA reconciliation In IDR Billions, unless otherwise stated For Nine-Month Ended Sep 30, 2026 On-demand Financial eCommerce Corporate Total services technology cost consolidated Segment profit/(loss) from operations 1,044 781 675 (1,367) 1,133 Add/(Deduct): Depreciation and amortization expenses 148 410 0 42 600 Non-recurring items 47 59 4 757 867 Share-based compensation cost 10 144 13 107 274 Other income/(expenses) 1 1 0 (9) (7) Adjusted EBITDA 1,250 1,395 692 (470) 2,867 For Nine-Month Ended Sep 30, 2025 On-demand Financial eCommerce Corporate Total services technology cost consolidated Segment profit/(loss) from operations 646 (347) 428 (950) (223) Add/(Deduct): Depreciation and amortization expenses 164 367 0 21 552 Non-recurring items 32 164 73 218 487 Share-based compensation cost 111 87 42 262 502 Other income/(expenses) 25 0 0 (7) 18 Adjusted EBITDA 978 271 543 (456) 1,336
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30 Adjusted Free Cash Flow In IDR Billions, unless otherwise stated For Three-Month Ended For Nine-Month Ended Sep 30 Sep 30 2026 2025 2026 2025 Net cash generated from operating activities 772 451 2,496 (161) Add/(Deduct): Financing and lending disbursed to users, net 704 210 2,083 1,267 Proceeds from users net-off with payments to merchants, service providers and lenders (202) (148) (1,036) 248 Adjusted Operating Cash Flow 1,274 513 3,543 1,354 Less: capital expenditure (65) (266) (266) (1,136) Adjusted Free Cash Flows 1,209 247 3,277 218
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31 Key Strategic Focus Financial and Operating Highlights Non-IFAS Reconciliations Appendix
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32 Notes: 1 For the definition of operating and financial metrics, please refer to the Appendix 2 Before Group allocated corporate cost Key Result in 3Q26 In IDR Billions, unless otherwise stated For Three-Month Ended For Nine-Month Ended Sep 30 Sep 30 Group 2026 2025 YoY 2026 2025 YoY GTV¹ 321,502 176,484 82% 829,241 473,917 75% Core GTV¹ 193,894 102,845 89% 495,910 275,825 80% Net Revenue 5,555 4,736 17% 16,549 13,295 24% Adjusted EBITDA¹ 950 516 84% 2,867 1,336 115% Financial Technology GTV¹ 315,569 169,950 86% 811,142 454,638 78% Core GTV¹ 186,954 95,326 96% 474,916 253,698 87% Net Revenue 2,295 1,542 49% 6,274 4,104 53% Adjusted EBITDA¹ 550 136 304% 1,395 271 415% On-Demand Services GTV¹ 16,900 16,743 1% 49,937 48,824 2% - Mobility 6,257 6,253 0% 17,824 18,199 -2% - Delivery 10,643 10,490 1% 32,113 30,625 5% Net Revenue 3,306 3,205 3% 10,259 9,199 12% - Mobility 757 796 -5% 2,445 2,275 7% - Delivery 2,549 2,409 6% 7,814 6,924 13% Adjusted EBITDA¹ 347 336 3% 1,250 978 28% - Mobility² 159 190 -16% 729 595 23% - Delivery² 227 189 20% 653 508 29% Group allocated corporate cost (39) (43) 9% (132) (125) -6% Adjusted EBITDA as % of GTV 2.1% 2.0% 5 bps 2.5% 2.0% 50 bps - Mobility² 2.5% 3.0% -50 bps 4.1% 3.3% 82 bps - Delivery² 2.1% 1.8% 33 bps 2.0% 1.7% 37 bps
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33 Financial Metrics ● Net Profit refers to Profit for the period (including non-controlling interests) Non-IFAS Measures ● Adjusted EBITDA is calculated beginning with profit/(loss) before income tax and adjusting for (i) depreciation and amortization expenses; (ii) finance income; (iii) interest expenses; (iv) loss on impairment of assets of disposal group classified as held for sale; (v) loss on impairment of investment in associates and joint ventures; (vi) loss on goodwill; (vii) fair value adjustment of financial instruments; (viii) loss on impairment of intangible and fixed assets; (ix) share-based compensation cost; (x) foreign exchange gain, net; (xi) share of net (profits)/losses in associates and joint ventures, net; (xii) loss/(gain) on divestment and dilution of investments, net (xiii) dividend income; and (xiv) non-recurring items. ● Segment Adjusted EBITDA represents Adjusted EBITDA for each segment and includes all revenue and costs directly attributable to the segment and allocated corporate cost. ● EBITDA is calculated beginning with profit/(loss) from operations and adding back depreciation and amortization and non-recurring items. ● Adjusted free cash flow is calculated starting with net cash generated from operating activities after adjusting for net financing and lending disbursed to users, and proceeds from users net-off with payments to merchants, service providers and lenders, and less cash flows related to capital expenditures. ● Fixed costs means non-variable sales and marketing expenses, general and administrative expenses, operational and support expenses and product development expenses, excluding share-based compensation costs, non-recurring items and costs of credit. Operating Metrics ● GTV or Gross Transaction Value means gross transaction value, an operating measure representing the sum of (i) the value of on-demand services transactions; (ii) the value of e-commerce transactions for product and services; and (iii) the total payments volume processed and loans disbursed through our financial technology, excluding any inter-company transactions. ● Core GTV means GTV (or Gross Transaction Value) excluding merchant payment gateway in financial technology (Fintech Core GTV) and on-demand services in Vietnam (ODS Core GTV). ● MTUs means average Monthly Transacting Users who are using On-Demand Services products (in ID, SG, VN), or Financial Technology Services, on-platform or off-platform, over the stated period. ● Annual Transacting Users (ATU) means the number of unique users who are using On-Demand Services products, or Financial Technology Services, on-platform or off-platform, over the past twelve months as of the end of stated period. ● Completed Orders means a transaction that has been successfully fulfilled or delivered to the user or destination. ● Loans outstanding principal, or Loan book, includes both on and off balance sheet loans outstanding principal. Off-balance sheet loans represent loans originated by GoTo’s Financial Technology segment but funded through loan channelling arrangements with channelling partners. Appendix
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2Q 2024