Pt Bank Amar Indonesia Tbk · IDX:AMAR
Pt Bank Amar Indonesia Tbk — FY2021 Earnings Presentation
29 slides from Pt Bank Amar Indonesia Tbk's earnings presentation, Apr 22, 2022
Slide 1: PT Bank Amar Indonesia Tbk. FY 2021 Performance Presentation
PT Bank Amar Indonesia Tbk. FY 2021 Performance Presentation
Slide 2: Agenda
Macroeconomics & Industry Highlights AGENDA Investment Case FY 2021 - Performance Presentation About AMAR in Brief FY 2021 Financial Results
Slide 3: Macroeconomic Highlights
Macroeconomic Highlights Indonesia economy moved into positive territory Indonesia inflation increases as the economy recovers Source: Ministry of Finance (Kemkes), Central Bureau of Statistics (BPS) Source: Central Bureau of Statistics (BPS) Consumer optimism continues to improve Household consumpt
Slide 4: Banking Sector
Banking Sector IDR Trillion Dec-19 Dec-20 Dec-21 YoY The majority of TPF is still come from CASA Total Loans 5,684 5,548 5,821 4.3% Third Party Funds 5,999 6,665 7,480 12.2% CASA 3,411 3,861 4,576 18.5% Current Accounts 1,466 1,687 2,144 27.0% Savings Accounts 1,945 2,174 2,432 11.9% NIM is stagnant
Slide 5: Agenda
Macroeconomics & Industry Highlights AGENDA Investment Case FY 2021 - Performance Presentation About AMAR in Brief FY 2021 Financial Results
Slide 6: Investment Case
Investment Case > 10,000 Tunaiku loan applications per day Indonesia’s first digital lender (as of FY 2021) The digital lender with a BUKU II license and fully approved to be a digital bank with the full-stack development of technology > 700,000 >420,000 Tunaiku Tunaiku borrowers borrowers served se
Slide 7: Agenda
Macroeconomics & Industry Highlights AGENDA Investment Case FY 2021 - Performance Presentation About AMAR in Brief FY 2021 Financial Results
Slide 8: Company Profile
Company Profile • PT Bank Amar Indonesia Tbk (formerly known as PT Anglomas International Bank) was established in 1991 in Surabaya, Indonesia as a KBMI I Bank • Subsequently embarked on a digital transformation in 2014 under new shareholders and a new management team • Successfully launched Indones
Slide 9: 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 10: Shareholders Composition and Company Structure
Shareholders Company Composition Structure 30% 8,035,100,000 70% shares Public Tolaram Group *as of 31 December 2021 *as of 31 December 2021
Slide 11: Board of Commissioner and Board of Director
Board of Commissioner Board of Director
Slide 12: 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 13: 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 14: 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 15: Product Overviews: Mobile Only Digital Bank
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 Digit
Slide 16: Product Overviews: Mobile Only Digital Bank
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 17: Agenda
Macroeconomics & Industry Highlights AGENDA Investment Case FY 2021 - Performance Presentation About AMAR in Brief FY 2021 Financial Results
Slide 18: Financial Position
Financial Position IDR mn Dec-19 Dec-20 Dec-21 YoY Cash 3,171 3,061 4,764 55.6% Placements 1,260,393 1,906,467 1,967,518 3.2% Securities 101,434 367,139 677,624 84.6% Gross Loan 2,051,559 1,715,509 2,405,869 40.2% Total Asset 3,452,515 4,057,989 5,203,045 28.2% Deposits 1,831,162 2,294,835 3,179,598
Slide 19: Financial Performance
Financial Performance IDR mn FY-19 FY-20 FY-21 YoY Operating Income 633,848 636,420 684,470 7.6% Net Interest Income 506,153 462,948 482,226 4.2% Interest Revenues 651,967 652,086 702,234 7.7% Interest Expenses (145,814) (189,138) (220,007) 16.3% Non Interest Income 127,696 173,472 202,244 16.6% Ope
Slide 20: Key Ratios
Key Ratios Ratio % Dec-19 Dec-20 Dec-21 ROA 3.0 0.7 0.1 ROE 7.5 0.8 0.4 NIM 19.3 13.5 11.8 BOPO 89.4 96.7 99.8 LDR 112.9 74.3 74.7 NPL -3.3 4.8 1.7 CAR 55.6 45.3 29.9 NSFR 117.2 127.4 126.9 LCR 815 1188.2 1906.3
Slide 21: Loan Portfolio In Depth Look
Loan Portfolio In Depth Look Total Loan Book FY 2021 : IDR 2.4 Trillion Based on Segment Productive vs Consumptive Based on Loan Type Loan performance continues to improve with the contribution of loans from the Tunaiku platform amounting to 85% of the total loan. There are 65% productive loans that
Slide 22: On Track Loan Management
On Track Loan Management Positive loan growth was driven by the Micro Segment, which grew to IDR 1.2 trillion in 2021. On the other hand, total loans grew to IDR 2.4 trillion with a declining NPL trend. Excellent loan management has been carried out by the Company which has produce quality loans dur
Slide 23: Customers Profile
Tunaiku - Active Tunaiku Loan Customers Disbursement Up to 31 December 2021: 264,000+ Lifetime disbursement up to 31 December 2021: IDR 7.2+ Trillion to 740,000+ Customers Lifetime Incoming apps up to 31 December 2021: 9,800,000+ Customers Profile Male 50% S3 1% D3 17% Female 50% S2 2% High School 4
Slide 24: More than 6,700,000+ Download
More than 6,700,000+ Download 4,4+ 4,5+ Rating in Google Play Rating in App Store Store Tunaiku Top 3 purpose during FY 2021 1. Renovation = 35% 2. Working Capital = 28% 3. Education = 14%
Slide 25: 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 26: 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 27: 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 28: 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 29: 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 — FY2021 Earnings Presentation on 6ix