Pt Bank Amar Indonesia Tbk · IDX:AMAR
Pt Bank Amar Indonesia Tbk — 6M 2024 Earnings Presentation
29 slides from Pt Bank Amar Indonesia Tbk's earnings presentation, 2024
Slide 1: Performance Presentation 6M 2024 Updates
Performance Presentation 6M 2024 Updates A digital bank serving the retail and MSMEs segments which dedicated to providing digital financial services especially to those who are underserved
Slide 2: AMAR at a Glance
AMAR at a Glance 6M 2024 Results Corporate Updates
Slide 3: Philosophy and Purpose
Philosophy “Technology must impact lives, must improves lives” (Icon) Purpose Leveraging technology to improve financial health and inclusions, sustainably
Slide 4: A Brief of Milestone
A Brief of Milestone 1991 2014 2018 2019 2020 PT Anglomas Changed its name to PT Successfully Increased the Bank's Officially listed on the Indonesia Internasional Bank Bank Amar Indonesia disbursed more than core capital to more Stock Exchange with the was established IDR 1 Trillion of than IDR 1 Tr
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 70.95% Pte Ltd 14.83% 12.22% PT Bank Amar Indonesia Tbk *as of June 2024
Slide 6: Controlling Shareholder of Amar Bank
Controlling Shareholder of Tolaram Pte Ltd is a multinational group with a diversified portfolio that includes manufacturing, marketing, sales & distribution, logistics, power transmission, real estate development, and financial services. Headquarters in Singapore, the Group has manufacturing interest
Slide 7: Management of Amar Bank
Management of 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 Corporate Commercial & Director Direct
Slide 8: Office Network Operational Area
Office Network Operational Area Jakarta Surabaya Kantor Pusat Kantor Cabang Pembantu Basuki Rachmat RDTX Square Lt. 11, Jl. Prof. Dr. Satrio, Jakarta Selatan, 12930 Jl. Basuki Rahmad No. 109 Surabaya, 60271 Kantor Cabang Satrio Kantor Cabang Kusuma Bangsa RDTX Square Lt. Dasar, Jl. Prof. Dr. Satrio,
Slide 9: Digital Product: Digital Lending
Digital Product Digital Lending Tunaiku is a financial technology product that offers an unsecured online loan product with a simple and fast process. This product is designed especially for underbanked and unbanked individuals, providing loans ranging from IDR 2 million to IDR 30 million with Tenor
Slide 10: Product Performance is Critical Component to Amar Bank
Product Performance is Critical Component to Amar Bank Continue to improve our services through digital products >20.000.000 IDR 12,6 Trillion downloads disbursement Served more than 400.000 MSME since 2014 & Present in Jakarta, Surabaya, Bandung, Semarang, Medan, and over 30 other cities across Ind
Slide 11: Digital Product: Digital Banking
Digital Product Financial Activities Made Easy, All in Digital Banking One App! Amar Bank ready to assist in achieving future financial goals with customizable Savings Features. data Utility Bills packages E-Wallet Payment Tunaiku Buy & Payment Apply for a Transfer & Debit Card Loan VA payment
Slide 12: Product Performance is Critical Component to Amar Bank
Product Performance is Critical Component to Amar Bank Continue to improve our services through digital products Google Play Store Digital Banking Application 870 Thousand 4.7 Downloaders Ratings 35 Thousand 4.7 Downloaders Ratings https://amarbank.co.id/retail
Slide 13: Embedded Banking & Financing (EBF)
Digital Product Embedded Banking & Financing (EBF) EBF provides digital bank accounts and List of Partners: loan services on partner platforms, supporting the growth of MSMEs by ● FMCG Industry provides capital helping them manage financial and access funding. access and technology support to SMEs. E
Slide 14: 6M 2024 Results
AMAR at a Glance 6M 2024 Results Corporate Updates
Slide 15: 6M 2024 performance highlights
6M 2024 performance highlights Maintain consistent growth in Tunaiku and lending balances 25.3% YoY Growth in Outstanding Loan (in IDR) 12.6 Trillion Tunaiku Loan Disbursement* (in IDR) * Tunaiku Loan Disbursement since 2014
Slide 16: Loans recorded at IDR 2.8 Trillion with diversified sectors
Loans recorded at IDR 2.8 Trillion with diversified sectors Focus on productive sectors to advance the domestic economy Loans Composition Loans by Sectors 30 June 2024 30 June 2024
Slide 17: Total loans are diversified to several productive segments
Total loans are diversified to several productive segments Productive loans still the main focus and more than 50% to MSMEs Productive Loans Loans by Segment 30 June 2024 30 June 2024
Slide 18: Growth in assets followed by lower risks
Growth in assets followed by lower risks Lower NPL net due to prudent activity of Lending Total Assets NPL IDR billion, 30 June 2024 30 June 2024
Slide 19: CASA composition has increased gradually
CASA composition has increased gradually LDR stood at high level but with well-monitored risks Deposits Composition LDR & CAR 30 June 2024 30 June 2024
Slide 20: Strong interest income with NIM at 22.9%
Strong interest income with NIM at 22.9% Consistently increasing profitability through productive loans growth Net Interest Income NIM IDR billion, 30 June 2024 31 June 2024
Slide 21: Income Statements
Income Statements Bank’s strong performance in Q2 IDR mn 6M ‘23 6M ‘24 Δ YoY 2Q ‘23 1Q ‘24 2Q ‘24 Δ QoQ Δ YoY 2024, as shown in +35.10% YoY Operating Income 564,772 758,599 34.32% 281,035 377,340 381,259 1.04% 35.66% increase in net interest income, and +32.42% YoY increase in Net Interest Income 40
Slide 22: Balance Sheet
Balance Sheet Loan in June 2024 increased by IDR mn Jun ‘23 Jun ‘24 Δ YoY Mar ‘24 Jun’24 Δ QoQ 2.1% QoQ to IDR 2.8 billion Cash 5,302 6,050 14.11% 6,392 6,050 -5.35% compared to the position in March 2024. Prudent credit disbursement Placements * 1,863,116 727,872 -60.93% 1,328,047 727,872 -45.19% i
Slide 23: Ratios
Ratios % Jun ‘23 Jun ‘24 Δ YoY Mar ‘24 Jun ‘24 Δ QoQ As of June 2024, the Bank's low NPL ratio indicates prudent NIM 17.33 22.90 32.14 22.73 22.90 0.75 lending. A strong CAR ratio BOPO 85.82 83.96 -2.17 83.84 83.96 0.14 supports sustainable growth and shows the bank has robust capital LDR 201.23 314
Slide 24: Corporate Updates
AMAR at a Glance 6M 2024 Results Corporate Updates
Slide 25: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events Jan 2024 Feb 2024 June 2023 March 2024 (Photo) Embedded Banking and Financing Supply Chain Financing Partnership Digital Banking and Partnership with Cashlez Signing with Maulana Karya Persada Economic Outlook 2024 The collaboration between Cashlez and Amar
Slide 26: Business Initiatives and Corporate Events
Business Initiatives and Corporate Events April 2024 May 2024 June 2024 June 2023 (Photo) (Photo) Annual General Meeting Of Close-loop financing Partnership MSME Financing Signing with eFishery Shareholders & Public Expose Partnership with Venteny Amar Bank has established a strategic On May 29, 2024
Slide 27: Accolades
Accolades 'The Most Innovative Digital Bank for Expanding Digital Banking Service Scope & Inclusivity' at the Indonesia Digital Innovation Awards 2024 by Warta Ekonomi Magazine (March 2024) Three awards from 13th Infobank Digital Bank Recognition 2024 by Infobank Magazine (April 2024) 1. The Best De
Slide 28: Contact Information
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
Slide 29: 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 financial in
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