Pt Bank Amar Indonesia Tbk · IDX:AMAR
Pt Bank Amar Indonesia Tbk — Investor Presentation (2024)
36 slides from Pt Bank Amar Indonesia Tbk's investor presentation, 2024
Slide 1: Corporate Presentation FY 2023
Corporate Presentation FY 2023 A digital bank serving the retail and MSMEs segments which dedicated to providing digital ûnancial services especially to those who are underserved
Slide 2: AMAR at a Glance
AMAR at a Glance FY 2023 Results Corporate Updates
Slide 3: Philosophy and Purpose
Philosophy and Purpose of <Technology must impact lives, must improves lives= Purpose: Leveraging technology to improve financial health and inclusions, sustainably
Slide 4: A Brief of Milestone
A Brief of Milestone 1991 2014 2018 2019 PT Anglomas Changed its name to PT Successfully Increased the Bank's Internasional Bank Bank Amar Indonesia disbursed more than core capital to more was established IDR 1 Trillion of than IDR 1 Trillion Transformed digitally and Tunaiku digital loans launched
Slide 5: Share Ownership Structure
Share Ownership Structure Tolaram Family Company Trust Pte Ltd 100% T-Seven Limited 100% Investree Singapore Public Tolaram Pte Ltd Pte Ltd 16.83% 70.95% 12.22% PT Bank Amar Indonesia Tbk *as of February 2024
Slide 6: Major Shareholder of Amar Bank
Major Shareholder of Tolaram Pte Ltd is a multinational group with a diversiûed portfolio that includes manufacturing, marketing, sales & distribution, logistics, power transmission, real estate development, and ûnancial services. Headquarters in Singapore, the Group has manufacturing interests in v
Slide 7: Management: Board of Commissioners and Directors
Management Board of Commissioners Navin Nahata Zainal Abidin Hasni Ratna Heimawaty Zain President Independent Independent Commissioner Commissioner Commissioner Board of Directors Vishal Tulsian Budijanto Jahja R. Eka Banyuaji President Compliance SME, Corporate & Director Director Operations Direct
Slide 8: Office Networks
Ofûce Networks Peta Area Layanan Jakarta Surabaya Kantor Cabang Jakarta Kantor Pusat & Kantor Cabang Pembantu Basuki Rachmat Office Park Thamrin Residences Blok RA. 07-08 Jl. Thamrin Jl. Basuki Rahmad No. 109 Surabaya, 60271 Boulevard (d/h. Kebon Kacang Raya) Jakarta Pusat 10220 Kantor Cabang Wiyung
Slide 9: Digital Product: Digital Lending Features
Digital Product Digital Lending Features Amar Bank Widget in Tunaiku Express E-Commerce Payments Tunaiku Application Billing Payment Various channels Digital Onboarding for customer’s and real time repayment disbursement
Slide 10: Digital Product: Digital Saving Features
Digital Product Digital Saving Features Fitur Payment Using Virtual Account
Slide 11: FY 2023 Results
AMAR at a Glance FY 2023 Results Corporate Updates
Slide 12: Full Year 2023 Performance Highlights
Full Year 2023 Performance Highlights Business keep growing amidst the competition in Digital Bank Industry 15.6% YoY Growth in Total Lending (in IDR) >11 Trillion Tunaiku Loan Disbursement* (in IDR) * Tunaiku Loan Disbursement since 2014
Slide 13: Loans Recorded at IDR 2.6 Trillion with Diversified Sectors
Loans Recorded at IDR 2.6 Trillion with Diversiûed Sectors Focus on productive sectors to advance the domestic economy Loans Composition Loans by Sectors 31 December 2023 31 December 2023
Slide 14: Total Loans are Diversified to Several Productive Segments
Total Loans are Diversiûed to Several Productive Segments Continue to prioritize productive loans and more than 50% to MSMEs Productive Loans Loans by Segment 31 December 2023 31 December 2023
Slide 15: Asset Quality in a Good Shape
Asset Quality in a Good Shape NPL Net decreased impact from prudent activity of Lending Total Assets NPL IDR billion, 31 December 2023 31 December 2023
Slide 16: Savings composition has increased gradually
Savings composition has increased gradually LDR stood at high level but with well-monitored risks Deposits Composition LDR & CAR 31 December 2023 31 December 2023
Slide 17: Strong Interest Income with NIM at 20.2%
Strong Interest Income with NIM at 20.2% Consistent to increase profitability during 2023 Net Interest Income NIM IDR billion, 31 December 2023 31 December 2023
Slide 18: Product Performance is Critical Component to Amar Bank
Product Performance is Critical Component to Amar Bank Continue to improve our services through digital products Embedded Banking & Financing Amar Bank provide plug-and-play embedded banking & ûnancing to non-banking players, which enable our >20.000.000 downloads partners to provide banking service
Slide 19: Income Statements
Income Statements The consistency of prudent IDR mn FY ‘22 FY ‘23 Δ YoY 4Q ‘22 3Q ‘23 4Q ‘23 Δ QoQ Δ YoY lending become the factor Operating Income 922,106 1,317,448 42.87% 239,513 367,846 384,830 4.62% 60.67% of growth in NIM. Higher NIM have impacts to Net Interest Income 655,705 921,292 40.50% 15
Slide 20: Balance Sheet
Balance Sheet Gross Loan increased by IDR mn Dec ‘22 Dec ‘23 Δ YoY Sep ‘23 Dec ‘23 Δ QoQ 18.02% YoY to IDR 2.6 Cash 6,638 6,151 -7.33% 4,328 6,151 42.12% Trillion, contributed by Tunaiku, as well as the Placements * 1,451,228 1,228,252 -15.36% 1,427,948 1,228,252 -13.98% rapid growth of Business Sec
Slide 21: Ratios
Ratios NPL shows at lower level % Dec ‘22 Dec ‘23 Δ YoY Sep ‘23 Dec ‘23 Δ QoQ shows prudent lending NIM 15.87 20.23 4.36 18.78 20.23 1.45 activity, also supported by strong CAR ratio. BOPO 119.36 86.07 -33.29 83.53 86.07 2.54 Cost efficiency during 2023 LDR 220.31 373.61 -153.3 297.72 373.61 75.89 tr
Slide 22: Corporate Updates
AMAR at a Glance FY 2023 Results Corporate Updates
Slide 23: AMAR Embedded Banking and Finance
AMAR Embedded Banking and Finance What is embedded banking and ûnance? Plug-and-play embedded banking & financing to non-banking players, which enable our partners to provide banking services such as payment, lending or checking accounts, to their consumers within their apps Account Opening Transfer
Slide 24: Full Banking Capabilities of Embedded Banking and Finance
AMAR Embedded Banking and Finance Full Banking Capabilities of Embedded Banking and Finance Full digital onboarding Transfer with friendlist for Transaction record with Direct debit with eKYC ease of repeat transactions e-statement
Slide 25: Seamless transactions and banking in-app
AMAR Embedded Banking and Finance Seamless transactions and banking in-app 1. In-app Payments 2. Goods Financing 3. Receivable Financing Amar User Platform Embedded 1. Transfer to User (Sales, Redemption) 2. Contextual Engagement 3. Retention strategy
Slide 26: Benefits of Embedded Banking and Finance
AMAR Embedded Banking and Finance Beneûts of Embedded Banking and Finance ● Fast access to funds ● See earnings and expenses in one place ● Easy cash üow management ● Rapid onboarding ● More time to focus on your core business ● No setup fees or minimum balance required
Slide 27: Brankas: Aman dengan Amar
Brankas : <Aman dengan Amar= Amar Bank has launched the Amar Bank Brankas, a digital savings product with AI driven multi-layered protection from Amar Bank. This innovative solution is expected to address customers' concerns about ûnancial crimes while also reafûrming Amar Bank's role in the digital
Slide 28: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events March 2023 March 2023 March 2023 Financial Service Authority Amar Bank - BI Fast World Cyber Security (OJK) Seminar Summit 2023 Vishal Tulsian, President Director of Amar Bank ofûcially joined the Amar Bank representative join the Amar Bank, was invited as a
Slide 29: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events May 2023 May 2023 June 2023 June 2023 New Ofûce Inauguration GMRA AGMS and Public Expose World AI Show 2023 On May 17th 2023, The Functional Amar Bank participate on the signing Amar Bank held the 2023 AGMS & Amar Bank participate as panelist at Ofûce of Ama
Slide 30: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events July 2023 July 2023 August 2023 September 2023 Exclusive Interview with Digital Transformation Company Visit with CNBC Brankas Press Conference Warta Ekonomi Indonesia Conference & Expo Indonesia Warta Ekonomi, along with Vishal Kevin Kane, Chief Technology
Slide 31: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events October 2023 October 2023 November 2023 November 2023 Launch of Amar Bank’s Brankas World Financial Innovation Kumparan UMKM Festival Media Group Interview #AmandenganAmar Campaign Series 2023 2023 To welcome the launch of the new Ramero Carlo, as the Head o
Slide 32: Accolades
Accolades
Slide 33: Accolades
SWA ty INDONESIA DIGITAL CUSTOMER ENGAGEMENT CHAMPIONS 8 i senvices INDUSTRY Binewsnncocta cares SY ike 4 snnrrey Indonesia's Popular Digital Product ‘Awards 2023 (Financial industry) Loanin Fnac ategory ee LEADERSHIP %& AWARDS nelNDONESIA “BRAND \ Awarps
Slide 34: Accolades
CERTIFICATE o ~~ 1 Moos BEST me | ee . PT BANK AMAR INDONESIA TBK i A \ erssing in Financia stabiny wi eroritaing Serves Oualty be ~ amar bank Indonesia Best Bank 2023 for The Provision of Financial Access for MSMEs Through Digitol Ecosystem KEM
Slide 35: 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 36: 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 ûnancial in
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