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.
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved
“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.
Prepared For Investor Private & Confidential Amar Bank Presentation 2018 - Empowering Underserved
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”
Prepared For Investor Private & Confidential Amar Bank Presentation 2018 - Empowering Underserved
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
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved
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.
“
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved
“
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
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved
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
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved
How Bank plans to achieve its organic funding?
BRANCHHIGH NET
WORTH
INDIVIDUALS
ATM
NETWORK
ONLINE
SAVINGS
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved
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
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved
1,628,778
68,549
1,470,012
Thank you
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved
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
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved14
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…
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved
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….
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved
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
Prepared For Investor Private & Confidential Amar Bank Presentation 2019 - Empowering Underserved18