Pt Bank Amar Indonesia Tbk · IDX:AMAR
Pt Bank Amar Indonesia Tbk — Q2 2021 Earnings Presentation
29 slides from Pt Bank Amar Indonesia Tbk's earnings presentation, Aug 5, 2021
Slide 1: PT Bank Amar Indonesia Tbk. Q2 2021 Performance Presentation
PT Bank Amar Indonesia Tbk. Q2 2021 Performance Presentation
Slide 2: Agenda
Macroeconomics & Industry Highlights AGENDA Investment Case Q2 2021 - Performance Presentation About AMAR in Brief Q2 2021 Financial Results
Slide 3: Macroeconomic Highlights
Macroeconomic Highlights Government Spending is still support GDP Growth Limited room for BI Rate cuts but Inflation is still low 2.97 2,590 1.96 1.68 1.68 1,841 1.54 1.32 1.42 1.44 1.59 1.55 1.38 1.37 1.42 -0.74 1.33 1,069 1,170 4.25 4.00 4.00 4.00 4.00 3.75 3.75 3.75 452 523 -2.19 3.50 3.50 3.50 3
Slide 4: Banking Sector
Banking Sector IDR Trillion Apr-20 Dec-20 Apr-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% CASA 3,476 3,861 3,968 14.2% 2.8% Current Accounts 1,549 1,687 1,790 15.6% 6.1% Savings Accounts 1,927 2,174 2
Slide 5: Digital Landscape (as of Jan 2021)
Digital Landscape (as of Jan 2021) Population Internet Users Indonesia had a population of 274.9 million or increased by 2.9 There were 202.6 million internet users in Indonesia, that million (+1.1% YoY). The 57% of population lives in urban number increased by 27 million (+16% YoY) with internet ce
Slide 6: Agenda
Macroeconomics & Industry Highlights AGENDA Q2 2021 - Performance Investment Case Presentation About AMAR in Brief Q2 2021 Financial Results
Slide 7: Investment Case
Investment Case Indonesia’s first digital lender >5,000 Tunaiku loan applications per day (as of Q2 2021) The digital lender with a BUKU II license and fully approved to be a digital bank with the full-stack development of technology >420,000 Tunaiku borrowers >660,000 Tunaiku served (2014 borrowers
Slide 8: Agenda
Macroeconomics & Industry Highlights AGENDA Investment Case Q2 2021 - Performance Presentation About AMAR in Brief Q2 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 those who To bring smiles on 200 ‘need’ and not only to those who million faces by 2025 ‘want’
Slide 11: Shareholders Composition
Shareholders Company Composition Structure 30% Jumlah saham 8.035.100.000 70% lembar Public Tolaram Group *Per tanggal 30 Juni 2020
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 NPWP Prospective customers can check and find and credit cards, fast loan out the status of their loan application in approval process. 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 mm 2-5% flat per IDR540,000 (~US$36) months (fixed (~US$130 - 1,400) month (no hidden fees) repayments) Other Features ● No credit card history required ● No collateral required ● Many repayment channel of loans,
Slide 16: Product Overviews: Mobile Only Digital Bank Product
Mobile Only Digital Bank Product Digital Banking App to build a savings habit Overviews • The app where all onboarding processes are sophisticated and integrated. (realtime transfer without additional fee) • The “Celengan” feature that • The “Catat” feature can detect the forms saving behavior that
Slide 17: Product Overviews: Mobile Only Digital Bank Product
Mobile Only Digital Bank Product Digital Banking App to build a savings habit Overviews • The app is consolidated to simplify the functionality. Users can seamlessly use the personal financial In Q2-2021 Senyumku statement function and Senyumku banking services still continually enhanced. Some major
Slide 18: Awards in Q2 2021
Event: Indonesia’s Most Popular Digital Financial Brands Awards 2021 by RRI & The Iconomics Award Name: Popular Digital Brand in E-loan category Date: 26th February 2021 Event: Asia Pacific Enterprise Awards Awards 2021 by Enterprise Asia Award Name: Corporate Excellence in Q2 2021 Category Date: 30
Slide 19: Agenda
Macroeconomics & Industry Highlights AGENDA Investment Case Q2 2021 - Performance Presentation About AMAR in Brief Q2 2021 Financial Results
Slide 20: Financial Position
Financial Position IDR mn Jun-20 Dec-20 Jun-21 YoY Ytd Cash 4,758 3,061 7,923 66.5% 158.8% Placements 871,996 1,906,467 1,278,137 46.6% -33.0% Securities 232,393 367,139 742,633 219.6% 102.3% Gross Loan 1,940,758 1,715,509 1,856,410 -4.3% 8.2% Total Asset 3,118,200 4,057,989 3,989,337 27.9% -1.7% De
Slide 21: Financial Performance
Financial Performance IDR mn 2Q-20 1Q-21 2Q-21 YoY QoQ Operating Income 162,853 125,181 134,552 -17.4% 7.5% Net Interest Income 124,674 81,509 87,155 -30.1% 6.9% Interest Revenues 168,504 143,400 147,439 -12.5% 2.8% Interest Expenses (43,831) (61,891) (60,284) 37.5% -2.6% Non Interest Income 38,179
Slide 22: Key Ratios
Key Ratios Ratio % Jun-20 Dec-20 Jun-21 ROA 1.1 0.7 0.2 ROE 3.0 0.8 0.6 NIM 18.5 13.5 8.2 BOPO 95.9 96.7 98.9 LDR 112.1 74.3 81.4 Net NPL* -2.1 4.8 3.9 Net NPL** - 1.5 2.0 CAR 51.0 45.3 33.1 NSFR 142.3 127.4 153.4 LCR 1000.5 1188.2 1873.1 Notes: * With the new regulation, on 31 Dec 2020, the net NPL
Slide 23: Loan Portfolio Breakdown
Loan Portfolio Breakdown Total Loan book as of June 2021 IDR 1.85 Trillion Productive vs Consumptive Based on Economic Sector Based on Segment Based on Loan Type
Slide 24: Tunaiku Active Customers and Loan Disbursement
Tunaiku - Active Customers Tunaiku Loan Disbursement Up to 30 June 2021: 270,000+ Lifetime disbursement up to 30 Jun 2021: IDR 5.8+ Billion to 650,000+ Customers Lifetime Incoming apps up to 30 June 2021: 8,100,000+ Customers Profile Male 50.7 % S3 1% D3 17% Female 49.3% S2 2% High School 43% S1 36%
Slide 25: More than 5,000,000+ Download
More than 5,000,000+ Download 4,5+ 4,6+ Rating in Google Play Rating in App Store Store Tunaiku Top 3 purpose during Q2 2021 1. Renovation = 36% 2. Working Capital = 25% 3. Education = 13%
Slide 26: Sustainability Performance
Sustainability Performance Amar Bank fully Supports Amar Bank is a partner of Without discriminating against In addition to financial literacy, the sustainability practice, in terms of ethnicity, race and gender, the Bank also educates the nation by MSMEs, the Bank has credit portfolio, Bank distrib
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 Amar Bank Official Youtube Channel. Responsibility 2021 - 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 — Q2 2021 Earnings Presentation on 6ix