Pt Bank Amar Indonesia Tbk · IDX:AMAR
Pt Bank Amar Indonesia Tbk — Q1 2021 Earnings Presentation
28 slides from Pt Bank Amar Indonesia Tbk's earnings presentation, 2021
Slide 1: PT Bank Amar Indonesia Tbk. Q1 2021 Performance Presentation
PT Bank Amar Indonesia Tbk. Q1 2021 Performance Presentation
Slide 2: Agenda
Agenda 1. Macroeconomics and Industry Highlights 2. Investment Case 3. About [AMAR:IJ] in Brief 4. Q1 2021 Financial Result
Slide 3: Macroeconomic Outlook
Macroeconomic Outlook Optimism for Indonesia’s Economic Recovery in 2021 PMI Index has indicated Business Expansion Consumer Confidence Level has indicate improvement Household Consumption start to pick up
Slide 4: Banking Sector
Banking Sector Loan, Deposits & LDR CAR Parameter 2017 2018 2019 2020 Q1-2021 Credit Growth (y-o-y) 8.20% 9.90% 5.90% -2.4% -3.77% Third Party Funds Growth (y-o-y) 8.30% 6.10% 6.40% 11.11% 9.49% Loan to deposit ratio 90.04 94.78 94.43 82.54 80.93 Capital Adequacy Ratio 23.18 22.97 23.4 23.89 24.04
Slide 5: Digital Landscape as of Jan 2021
Digital Landscape as of Jan 2021 Population Internet Users ● There were 202.6 million internet users in Indonesia in January ● Indonesia had a population of 274.9 million in January 2021. 2021. ● Indonesia’s population increased by 2.9 million (+1.1%) between ● The number of internet users in Indone
Slide 6: Agenda
Agenda 1. Macroeconomics and Industry Highlights 2. Investment Case 3. About [AMAR:IJ] in Brief 4. Q1 2021 Financial Result
Slide 7: Investment Case
Investment Case Indonesia’s first and only pure play digital banking opportunity The country’s first digital lender; with a BUKU II license and now a full-scale digital bank >5,000 Tunaiku loan applications per day Massive market gap across the unserved Retail and MSME universe (as of Q1 2021) Adult
Slide 8: Agenda
Agenda 1. Macroeconomics and Industry Highlights 2. Investment Case 3. About [AMAR:IJ] in Brief 4. Q1 2021 Financial Result
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: Technology LF
Technology LF To bring smile must impa on 200 million e faces by 2025. must impro To provide banking to those who ‘need’ & not only to those who ‘want’.
Slide 11: Company Profile: Shareholders Structure
Company Profile Shareholders Structure 30% No of Shares 8.035.100.000 70% Public Tolaram Group
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: Jakarta, Bogor, Depok,
Slide 15: Product Overviews
Product Overviews Loan Terms Other Features AMOUNT INTEREST RATE No credit card history required IDR2 mm - 20 mm 2-5% flat No collateral required (~US$130 - 1,400) per month Many repayment channel of loans, including convenience stores, such as Indomaret and Alfamart ADMISSION FEE TENOR IDR540,000 (
Slide 16: Product Overviews
Product Overviews Mobile Only Digital Bank In Q1-2021 Senyumku still continually enhanced. Some major overhaul: ● Senyumku “Lite” and Senyumku Banking app is consolidated to simplify the functionality. Users can seamlessly use the personal financial statement function and Senyumku banking services ●
Slide 17: Product Overviews
Product Overviews
Slide 18: Awards in Q1 2021
Awards in Q1 2021 Event: Indonesia’s Most Popular Digital Financial Brands Awards 2021 by RRI & The Iconomics Award Name: Indonesia's Most Popular Digital Financial Brands in Millenials Popular Digital Brand in: E-loan category Date: 26th Feb 2021
Slide 19: Corporate Social Responsibility 2021 - Financial Literacy
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 20: Corporate Social Responsibility 2021 - Financial Literacy
Amar Bank “Podcash” Corporate Social Responsibility 2021 - Financial Literacy In effort to educate public with inclusion and literacy content at the same time enjoyable content Also encompass quarterly Bank Performance and market update. Please Subscribe Amar Bank Official Youtube Channel.
Slide 21: Agenda
Agenda 1. Macroeconomics and Industry Highlights 2. Investment Case 3. About [AMAR:IJ] in Brief 4. Q1 2021 Financial Result
Slide 22: Financial Position
Financial Position Balance Sheet as of as of (IDR 000,000) 31 Dec 2020 31 Mar 2021 Cash 3,061 2,278 At the end of the first quarter of 2021, the loan portfolio grew by 2.85% from the position at the end Placement in Central Bank 294,831 361,905 of 2020, from Rp. 1.72 trillion at the end of 2020 to R
Slide 23: Financial Performance
Financial Performance Profit and Loss Q4 2020 Q1 2021 Q-o-Q (IDR 000,000) (Oct-Des) (Jan-Mar) In terms of profitability, good credit Interest Income 108,192 143,311 performance boosted net interest income (NII) 32.46% growth of IDR 82 billion or an increase of Interest Expense -48,099 -60,743 26.29%
Slide 24: Key Ratios
Key Ratios 31 Mar 2021 Key Ratio (in %) 7.82 ● Despite challenges derived from Net Interest Margin (NIM) the pandemic, Bank still maintain Net Interest Margin of 7.82% Loan to Funding Ratio (LFR) 70.06 which still above Q1 2021 banking industry average of 4.62% Non Performing Loan Ratio (Net) ● LFR
Slide 25: Loan Portfolio Breakdown
Loan Portfolio Breakdown Total Loan book as of Mar 2021 IDR 1,764,454 Million Productive vs Consumptive Based on Economic Sector Deposits Breakdown Based on Segment Based on Loan Type
Slide 26: Digital Bank Performance
Digital Bank Performance Tunaiku - Active Customers 31 Dec 2020: 196,000+ > Up to 31 Mar 2021: 230,000+ Tunaiku loan book Tunaiku loan disbursement accumulated from 2014 Growth: 10% Disbursement Growth: 8.1% Rating 4.5+ Rating 4.6+ More than 5,000,000 + Download Tunaiku Top 3 purpose during Q1 2021
Slide 27: Liquidity and Capital
Liquidity and Capital In terms of Capital, Amar Bank still considered strong with its high CAR position. At strong level of 37,63% which Bank could still leverage to disburse credit for multiple times before With high level of liquidity, Amar Bank reaching min. required CAR level of 9-10%. continue
Slide 28: Thank You
THANK For More Information: https://amarbank.co.id YOU PT Bank Amar Indonesia Tbk. Jl. Basuki Rachmat No. 109, Surabaya Telp. (031) 9901-5959 | Fax. (031) 9901595
PT Bank Amar Indonesia — Q1 2021 Earnings Presentation on 6ix