Pt Bank Amar Indonesia Tbk · IDX:AMAR
Pt Bank Amar Indonesia Tbk — 9M 2024 Earnings Presentation
27 slides from Pt Bank Amar Indonesia Tbk's earnings presentation, 2024
Slide 1: Performance Presentation 9M 2024 Updates
Performance Presentation 9M 2024 Updates A digital bank serving the retail and MSMEs segments which dedicated to provide digital financial services especially to those who are underserved
Slide 2: Philosophy and Purpose
Philosophy “Technology must impact lives, must improves lives” (Icon) Purpose Leveraging technology to improve financial health and inclusions, sustainably
Slide 3: Milestone
Milestone 1991 2014 2018 2019 2020 PT Anglomas Changed its name to PT Successfully disbursed Increased the Bank's Officially listed on the Indonesia Internasional Bank Bank Amar Indonesia more than IDR 1 core capital to more Stock Exchange with the code was established Trillion of Tunaiku than IDR 1
Slide 4: Controlling Shareholder
Controlling Shareholder of Shares Ownership 70.95% Tolaram Pte Ltd is a multinational group with a diversified portfolio that includes manufacturing, marketing, sales & distribution, logistics, power transmission, real estate development, and financial services. Headquarters in Singapore, the Group ha
Slide 5: Management
ampang Prapatan Raya No. 71-73 11 Jakarta Selatan 12790 Ratna Zainal Abidin Navin Vishal Thio R. Eka Heimawaty Hasni Nahata Tulsian Sucy Banyuaji Zain Independent President President Compliance Corporate Independent Commissioner Commissioner Management Commissioner Director Director* Commercial & Op
Slide 6: Office Network
Office Network Operational Area Jakarta Surabaya Kantor Pusat Kantor Cabang Pembantu Basuki Rachmat RDTX Square Lt. 11, Jl. Prof. Dr. Satrio, Jakarta Selatan, 12930 Jl. Basuki Rahmad No. 109 Surabaya, 60271 Kantor Fungsional Kantor Cabang Kusuma Bangsa Multika Building, Jl Mampang Prapatan Raya No. 7
Slide 7: Digital Product: Digital Lending
Digital Product Digital Lending Tunaiku is a digital lending product that offers an unsecured online loan product with a simple and fast process. This product is designed especially for underbanked and unbanked individuals, also micro businesses, providing loans ranging from IDR 2 million to IDR 30
Slide 8: Product Performance is Critical Component to Amar Bank
Product Performance is Critical Component to Amar Bank Accelerating Financial Inclusion Through Digital Innovation >20.000.000 IDR 13,4 Trillion downloads disbursement Served more than 400.000 MSMEs & Present in Jakarta, Surabaya, Bandung, Semarang, Medan, and over 30 other cities across Indonesia.
Slide 9: Digital Product: Digital Banking
Digital Product Financial Activities Made Easy, All in Digital Banking One App! Amar Bank ready to assist in achieving future financial goals with customizable Savings Features. data Utility Bills packages E-Wallet Payment Tunaiku Buy & Payment Apply for a Transfer & Debit Card Loan VA payment
Slide 10: Product Performance is Critical Component to Amar Bank
Product Performance is Critical Component to Amar Bank Amar Bank Digital, Rapid Growth in Downloads and Depositors Trends Digital Banking Application Google 987 Thousand 4.7 Play Store Downloaders Ratings 42 Thousand 4.7 App Store Downloaders Ratings https://amarbank.co.id/retail
Slide 11: Digital Product: Embedded Banking & Financing (EBF)
Digital Product Embedded Banking & Financing (EBF) EBF provides digital bank accounts, savings, and loan services on partner platforms, supporting the growth of MSMEs by helping them manage financial and access funding. EBF demonstrates Amar Bank's dedication to promoting sustainable growth through s
Slide 12: Amar at a Glance: 9M 2024 Result
Amar at a Glance 9M 2024 Result
Slide 13: 9M 2024 Performance Highlights
9M 2024 Performance Highlights Steady growth in loan balances and Tunaiku disbursements 14.9% YoY Growth in Outstanding Loan (in IDR) 13.4 Trillion Tunaiku Loan Disbursement* (in IDR) * Tunaiku Loan Disbursement since 2014
Slide 14: Loans recorded at IDR 2.85 Trillion with diversified sectors
Loans recorded at IDR 2.85 Trillion with diversified sectors Concentrate on driving productive sectors Loans Composition Loans by Sectors 30 September 2024 30 September 2024
Slide 15: Loans are diversified to several productive segments
Loans are diversified to several productive segments Productive loans remain the primary focus, with more than 50% allocated to MSMEs Productive Loans Loans by Segment 30 September 2024 30 September 2024
Slide 16: Growth in assets followed by lower risks
Growth in assets followed by lower risks Reduced NPL as a result of prudent lending activities. Total Assets NPL IDR billion, 30 September 2024 30 September 2024
Slide 17: Robust CAR Supports Optimum LDR and Stable Deposit Growth
Robust CAR Supports Optimum LDR and Stable Deposit Growth The LDR remained high, but risks were carefully managed, supported by a solid CAR. Deposits Composition LDR & CAR 30 September 2024 30 September 2024
Slide 18: Strong interest income with NIM at 23.8%
Strong interest income with NIM at 23.8% Consistently increasing profitability through productive loans growth Net Interest Income NIM IDR billion, 30 September 2024 30 September 2024
Slide 19: Income Statements
Income Statements The Bank has shown strong IDR mn 9M ‘23 9M ‘24 Δ YoY 2Q ‘24 3Q ‘24 Δ QoQ operational growth, with Operating Income 932,618 1,181,190 26.65% 381,259 422,591 10.84% operating income up 26.65% YoY and net interest income Net Interest Income 643,838 839,530 30.39% 271,925 298,590 9.81%
Slide 20: Balance Sheet
Balance Sheet Gross Loan grew 14.9% YoY to IDR 2.85 billion IDR mn Sep ‘23 Sep ‘24 Δ YoY Jun’24 Δ QoQ in September 2024, driven by Tunaiku, MSME, and Corporate Commercial Loans. Cash 4,328 4,894 13.08% 6,050 -19.11% The growth in loan balance is performed Placements * 1,427,949 717,742 -49.74% 727,8
Slide 21: Ratios
Ratios % Sep ‘23 Sep ‘24 Δ YoY Jun ‘24 Sep ‘24 Δ QoQ By September 2024, the Bank's low NPL ratio NIM 18.78 23.77 26,57 22.90 23.77 3.80 highlights prudent lending BOPO 83.52 83.95 0.51 83.96 83.95 -0.01 practices, while a strong CAR ensures sustainable growth LDR 297.72 329.26 10.59 314.18 329.26 1.
Slide 22: Amar at a Glance: Corporate Updates
Amar at a Glance Corporate Updates
Slide 23: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events Jan 2024 Feb 2024 June 2023 March 2024 (Photo) Embedded Banking and Financing Supply Chain Financing Partnership Digital Banking and Partnership with Cashlez Signing with Maulana Karya Persada Economic Outlook 2024 Utilizing a supply chain financing model, Am
Slide 24: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events April 2024 May 2024 June 2024 October 2024 (Photo) (Photo) Close-loop financing Partnership Annual General Meeting Of MSME Financing Extraordinary General Signing with eFishery Shareholders & Public Expose Partnership with Venteny Meeting of Shareholders Amar
Slide 25: Accolades
Accolades 'The Most Innovative Digital Bank for Expanding Digital Banking Service Scope & Inclusivity' at the Indonesia Digital Innovation Awards 2024 by Warta Ekonomi Magazine (March 2024) Three awards from 13th Infobank Digital Bank Recognition 2024 by Infobank Magazine (April 2024) 1. The Best De
Slide 26: Contact Information
Contact Information For More Information PT Bank Amar Indonesia Tbk Website : www.amarbank.co.id RDTX Square (ex-Menara Standard Chartered) Lt. 11 Email : investor.relations@amarbank.co.id Jl. Prof. DR. Satrio No. 164, RT. 4/RW. 4, Karet Semanggi, Setiabudi, Kota Jakarta Selatan 12930
Slide 27: Thank You!
Thank You! This material was prepared and presented by PT Bank Amar Indonesia Tbk. This presentation is copyrighted by PT Bank Amar Indonesia Tbk which is protected by regulations and laws in force in Indonesia. This material is not intended as an offer or solicitation to buy or sell any financial in
PT Bank Amar Indonesia — 9M 2024 Earnings Presentation on 6ix