Pt Bank Amar Indonesia Tbk · IDX:AMAR
Pt Bank Amar Indonesia Tbk — Q3 2021 Earnings Presentation
31 slides from Pt Bank Amar Indonesia Tbk's earnings presentation, 2021
Slide 1: PT Bank Amar Indonesia Tbk. Q3 2021 Performance Presentation
PT Bank Amar Indonesia Tbk. Q3 2021 Performance Presentation
Slide 2: Agenda
Macroeconomics & Industry Highlights AGENDA Investment Case Q3 2021 - Performance Presentation About AMAR in Brief Q3 2021 Financial Results
Slide 3: Macroeconomic Highlights
Macroeconomic Highlights Indonesia economy moved into positive territory 3Q ‘21 economy was boosted by Exports-Imports 2,590 7.07 29.16 30.11 1,841 3.51 -0.71 1,170 1,806 1,069 -2.19 523 1.03 2.96 3.74 0.66 -5.32 -3.49 Household LNPRT Government Gross Fixed Exports Imports Q2 '20 Q3' 20 Q4' 20 Q1 '2
Slide 4: Banking Sector
Banking Sector IDR Trillion Sep-20 Dec-20 Sep-21 YoY Ytd The majority of TPF is still come from CASA Total Loans 5,676 5,548 5,543 -2.3% -0.1% Third Party Funds 6,128 6,665 6,798 10.9% 2.0% 40% CASA CASA 3,476 3,861 3,968 14.2% 2.8% Time Deposits 60% Current Accounts 1,549 1,687 1,790 15.6% 6.1% Sav
Slide 5: Digital Landscape in Indonesia
Digital Landscape in Indonesia Indonesia is the 5th most internet-engaged country in the Indonesia’s internet users already 73.7% from Indonesia’s world population Total Unique Mobile Internet Active Social Population Phone Users Users Media Users 274.9 Million 345.3 Million 202.6 Million 170 Millio
Slide 6: Agenda
Macroeconomics & Industry Highlights AGENDA Investment Case Q3 2021 - Performance Presentation About AMAR in Brief Q3 2021 Financial Results
Slide 7: Investment Case
Investment Case Indonesia’s first digital lender > 8,000 Tunaiku loan applications per day The digital lender with a BUKU II license and fully approved to be a digital (as of Q3 2021) bank with the full-stack development of technology > 600,000borrowers >420,000 Tunaiku Tunaiku borrowers served serv
Slide 8: Agenda
Macroeconomics & Industry Highlights AGENDA Investment Case Q3 2021 - Performance Presentation About AMAR in Brief Q3 2021 Financial Results
Slide 9: Company Profile
Company Profile • PT. Bank Amar Indonesia (formerly known as PT Anglomas International Bank) was established in 1991 in Surabaya, Indonesia as a BUKU I Bank • Subsequently embarked on a digital transformation in 2014 under new shareholders and a new management team • Successfully launched Indonesia’
Slide 10: Company's Philosophy, Mission And Vision
Company’s Philosophy, Mission And Vision Company Philosophy (Belief) ‘Technology must impact lives, must improve lives.’ To provide banking to To bring smiles on 200 those who ‘need’ and not million faces by 2025 only to those who ‘want’
Slide 11: Shareholders Composition
Shareholders Company Composition Structure 30% Jumlah saham 70% 8.035.100.000 lembar Public Tolaram Group *as of 30 November 2021
Slide 12: Board of Commissioner and Board of Director
Board of Commissioner Board of Director
Slide 13: Office Networks
Office Networks Surabaya Kantor Pusat & Kantor Cabang Pembantu Basuki Rachmat Jl. Basuki Rahmad No. 109 Surabaya 60271 Telp: (031) 9901595 | Fax : (031) 9901595 Kantor Cabang Wiyung Ruko Taman Pondok Indah Blok A No.39 Jalan Raya Menganti No. 215, Wiyung Surabaya, 60228 Kantor Cabang Kusuma Bangsa J
Slide 14: Product Overviews
Product Overviews Easy Application All-in-One App Only with KTP, no need Prospective customers can check NPWP and credit cards, and find out the status of their loan fast loan approval process. application in Tunaiku app. Wide Service Area Highly Secured and Transparent Java: PT Bank Amar Indonesia
Slide 15: Loan Terms
Product Overviews Loan Terms AMOUNT INTEREST RATE ADMISSION FEE TENOR 6-20 IDR2 mm - 20 2-5% flat per IDR540,000 months (fixed mm (~US$130 - (~US$36) (no repayments) month 1,400) hidden fees) Other Features ● No credit card history required ● No collateral required ● Many repayment channel of loans,
Slide 16: The "Catat" feature
Mobile Only Digital Bank Product Digital Banking App to build a savings habit Overviews The “Catat” feature helps customer to manage their financial condition from multiple sources of funds Automated Aggregation of Bank and e-money accounts ensure seamlessness of financial condition visibility
Slide 17: Digital Banking App to build a savings habit
Mobile Only Digital Bank Product Digital Banking App to build a savings habit Overviews “Celengan” feature forms saving behavior that facilitates user’s financial goals. ATM network connection for incoming / outgoing transfer, supporting interoperability of account Conveniently fund the account by u
Slide 18: Agenda
Macroeconomics & Industry Highlights AGENDA Investment Case Q3 2021 - Performance Presentation About AMAR in Brief Q3 2021 Financial Results
Slide 19: Financial Position
Financial Position IDR mn Mar-21 Jun-21 Sep-21 Mar-Jun % Jun-Sep % Cash 2,277 7,923 4,928 248.0% -37.8% Placements 2,250,782 1,278,137 1,018,731 -43.2% -20.3% Securities 409,268 742,633 717,784 81.5% -3.3% Gross Loan 1,764,454 1,856,410 2,089,716 5.2% 12.6% Total Asset 4,525,034 3,989,628 3,937,962
Slide 20: Financial Performance
Financial Performance IDR mn 9M20 3M21 6M21 9M21 YoY Operating Income 532,490 125,181 259,732 451,887 -15.1% Net Interest Income 404,112 81,509 168,663 303,927 -24.8% Interest Revenues 544,015 143,400 290,838 476,152 -12.5% Interest Expenses (139,903) (61,891) (122,175) (172,225) 23.1% Non Interest
Slide 21: Key Ratios
Key Ratios Ratio % Sep-20 Dec-20 Sep-21 ROA 1.0 0.7 0.1 ROE 2.5 0.8 0.07 NIM 16.0 13.5 10.1 BOPO 96.1 96.7 99.9 LDR 95.7 74.3 97.1 NPL 1.5 4.8 2.9 CAR 49.6 45.3 31.5 NSFR 132.4 127.8 138.2 LCR 1012.0 1188.2 1979.5
Slide 22: Effective Loan Management
Effective Loan Management 97.1% Despite a bit decrease in funding, it actually had a 81.4% positive impact on the overall business 74.3% performance which became more optimal as 63.6% reflected in the Loan to Deposit Ratio (LDR) which consistently improved. Dec-20 Mar-21 Jun-21 Sep-21 Gross Loan Dep
Slide 23: Loan Portfolio In Depth Look
Loan Portfolio In Depth Look Total Loan book as of September 2021 IDR 2.09 Trillion Productive vs Consumptive Based on Segment 19% Micro Driven by Tunaiku 35% Productive loan disbursement 46% Retail Consumptive and growth, which 65% 35% SME dominated the loan book by more than 70% of the loan Based
Slide 24: Customers Profile
Tunaiku - Active Tunaiku Loan Customers Disbursement Up to 30 September 2021: 212,000+ Lifetime disbursement up to 30 September 2021: IDR 6.4+ Trillion to 630,000+ Customers Lifetime Incoming apps up to 30 September 2021: 8,900,000+ Customers Profile Male 56% S3 1% D3 17% Female 44% S2 2% High Schoo
Slide 25: More than 6,700,000+ Downloads
More than 6,700,000+ Download 4,5+ 4,5+ Rating in Google Play Rating in App Store Store Tunaiku Top 3 purpose during Q3 2021 1. Renovation = 36% 2. Working Capital = 23% 3. Education = 14%
Slide 26: Sustainability Performance
Sustainability Performance Amar Bank fully Supports Amar Bank is a Without discriminating In addition to financial sustainability practice, in terms partner of against ethnicity, race and literacy, the Bank also of credit portfolio, more than gender, the Bank distributes educates the nation by MSMEs
Slide 27: Shareholder bless Amar Bank plan to issue new rights
Shareholder bless Amar Bank plan to issue new rights Road to Corporate Action 2022 - AMAR will fulfill the core capital requirements PT Bank Amar Indonesia Tbk (AMAR) held an Extraordinary General Meeting of Shareholders (EGMS) on November 12, 2021. The meeting approved the Company's plan to conduct
Slide 28: Amar Bank Collaborate with Akulaku Finance
Amar Bank Collaborate with Akulaku Finance Business Collaboration 2021 - Expanding the Ecosystem PT Akulaku Finance Indonesia and PT Bank Amar Indonesia Tbk (AMAR) have agreed on credit agreements with executing schemes. The credit agreement through the executing scheme was signed by the President D
Slide 29: Free Webinar "Ngopi Bareng Bang Amar"
Free Webinar “Ngopi Bareng Bang Amar “ Corporate Social Responsibility 2021 - Financial Literacy Amar Bank is committed to continue educating financial literacy in Indonesian community. This time Amar Bank present through online webinar program called "Ngopi Bareng Bang Amar", this program discussed
Slide 30: Amar Bank "PodCash"
Amar Bank “PodCash” Corporate Social Please Subscribe Responsibility 2021 - Amar Bank Official Youtube Channel. Financial Literacy Swara.tunaiku.com In effort to educate public with inclusion and literacy content at the same time enjoyable content Also encompass quarterly Bank Performance and market
Slide 31: Thank You
Thank You For More Information: https://amarbank.co.id PT Bank Amar Indonesia Tbk. Jl. Basuki Rachmat No. 109, Surabaya Telp. (031) 9901-5959 | Fax. (031) 9901595
PT Bank Amar Indonesia — Q3 2021 Earnings Presentation on 6ix