Amar Bank · 2020-05-05 · DIGITAL •Bank Amar: Licensed bank in Indonesia; morphing from brick and mortar to digital •Tunaiku: Scaling digital consumer lending platform in Indonesia

Amar Bank

PresentationEmpowering Underserved

This document is confidential and is intended solely for

the use and information to whom it is addressed.

Providing not only to

those who ‘want’ but also

to those who ‘need’

is Empowering

Underserved by Leveraging Technology

BUKU 2,

Commercial

Bank since

1991

Balance Sheet size from

IDR 100 billion in 2014 to

IDR 2.7 trillion as of Jun 2019IDR 1 Tn

Equity investment

Making a significant

social impact by

addressing society’s

needs (e.g renovation,

education)

Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved

“Lending Product”

Tunaiku

Digital Lending Product

that provides an easy

application process

while maintaining the loan

portfolio in a prudent way.

Business Banking Loan

Conventional Loan that

aim for productive sector,

especially Small Medium

and Commercial

Enterprises.


“Digital Lending Product for Underserved

Members of Society Since June 2014”

Tunaiku aims to stand at

the forefront of financial

inclusion efforts.

Unsecured loan up to 20

months. First and sole

provider of digital

unsecured installment

loan product

Tunaiku is able to serve in

a fast way and give

convenient loans with light

installment round the clock

for bottom-of-the-pyramid

markets.


Loan size

IDR 2,000,000 –

20,000,000

Interest Rate

3% flat / Month

Admission Fee

IDR 540,000

Loan Terms

6 Months –

20 Months

Eligibility

Age 21-65

Target Market

Middle to

Low Income

“Digital Lending Product for Underserved

Members of Society Since June 2014”


has disburse loan to 200,000+ Underserved

2015

No

. ofC

usto

me

rs

2016 2017 2018 Jun 2019

7,369 31,11756,224

167,837 2.1 T


234,679

People are loving

My aunt hospitalized because of an illness that made her couldn’t walk. My family

need money to pay the medical expenses. I have been a Tunaiku customer

since 2016, then I tried to apply again for this urgent need. And, thank you,

Tunaiku really helps my aunty life.

I need to pay my son’s school tuition fee. At first, I tried several conventionalbanks, but I got rejected. I tried Tunaiku and the process is incredibly fast and convenient. It really helps.

“


“

Danepi (41)

Nurul

Maolyanti (37)

Where Bank plans to create impact next?

● 30 million + businesses are still

unserved, so...Unsecured loan to micro businesses

Tunaiku for business

● Unserved population need to save

money for better future, so…Savings Enabler


How Bank plans to grow next?

Bank plans to disburse at least IDR 2 Trillion of Tunaiku Loans within 2019 only

Advertisement

Activate

Online CampaignExpand to more cities

Serve more on the

incoming applicants

E-commerceMicro businesses


How Bank plans to achieve its organic funding?

BRANCHHIGH NET

WORTH

INDIVIDUALS

ATM

NETWORK

ONLINE

SAVINGS


AMAR BANK Loan and Third Party Fund Growth

In M

illion

Ru

pia

h

257,892

319,972342,446

1,362,739

Loan Growth

2015 2016 2017 2018 Jun 2019 2015 2016 2017 2018 Jun 2019

In M

illion

Ru

pia

h85,687

358,036

1,096,324

Third Party Fund Growth


1,628,778

68,549

1,470,012

Thank you


Founded in 1948

Ownership: 75% Family and 25% Charitable Foundation

Global HQ in Singapore with corporate offices in Jakarta and Lagos

Present in 7 business spheres across Africa, Asia, and Europe

Over 9,500 employees worldwide

Group Revenues of $1bn+

TOLARAM GROUP Summary

Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved13

MISSION

To be a Consumer Goods & Services industry leader in Africa and Emerging Asia

…to help achieve our...

VISION

To create sustainable value for all our stakeholders

…without compromising our…

VALUES

TRUST RESPECT COMMITMENT COURAGE HUMILITY

TOLARAM GROUP Vision & Mission


2010sBrand builders across Consumer Goods & Services

2000sForays into Digital Services, Energy, Infrastructure

1990sFurther country diversification

1980sBusiness diversification into Consumer and Real Estate

1970sEntered Textiles Manufacturing and internationalization of business

1950s to 1960sExpansion into Textiles Trading

1948Tailor Tolaram founded

The Group Evolution…


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Tolaram Presence: 12 Countries

Client Touchpoints: > 80 Countries

AFRICA: Benin,

Cameroon,

Ghana, Ivory

Coast, Nigeria,

Tanzania, Togo

ASIA : India,

Indonesia,

Singapore,

UAE

EUROPE: Estonia

Touchpoint….


FMCG

$1.4bn

InvestmentValue

•Presence in Nigeria, Ghana, and West Africa; expansion in South Africa, Egypt, Kenya

•Fully-integrated manufacturing and distribution of leading brands

•Core products: Noodles, Pasta, Palm Oil, Dairy, Cereals, Snacks

•Blue-chip partners: Salim, Arla, Kellogg

•Vision 2020: Expand geographic presence and product base; FMCG leader in Africa and Asia

DIGITAL •Bank Amar: Licensed bank in Indonesia; morphing from brick and mortar to digital

•Tunaiku: Scaling digital consumer lending platform in Indonesia

•Vconnect: Business search and e-commerce platform in Nigeria

•Vision 2020: Target consumer-related digital services opportunities in Africa and Asia

INFRASTRUCTURE •Lekki Port: Developing a multi-purpose deep-sea port in Nigeria

•Lagos Free Trade Zone: Developing integrated free trade zone in Nigeria

•Vision 2020: Develop and monetize the port and free trade zone projects

Tolaram Group business sphere


Documents

Amar Bank · 2020-05-05 · DIGITAL •Bank Amar: Licensed bank in Indonesia; morphing from brick and mortar to digital •Tunaiku: Scaling digital consumer lending platform in Indonesia