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PUBLIC EXPOSE LIVE JAKARTA, 28 NOVEMBER 2023
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Disclaimer
• This presentation may contain a number of forward-looking statements based on current expectations, estimates and projections. These statements are not
guarantees of future performance and are subject to certain risks and uncertainties. All statements other than statements of historical fact or relating to present
facts or current conditions included in this presentation are forward-looking statements. The recipient may identify forward-looking statements by the fact that
they do not relate strictly to historical or current facts. These statements may contain words such as “anticipate,” “estimate,” “expect,” “project,” “seek,” “plan,”
“intend,” “believe,” “will,” “may,” “could,” “continue,” “likely,” “should,” and other words and terms of similar meaning in connection with any discussion of the
timing or nature of future operating or financial performance or other events but not all forward-looking statements contain these identifying words.
• Any factors or events could cause our actual performance to differ from these forward-looking statements may emerge from time to time, and it is not possible
for the Company to predict all of them. Should such risks or uncertainties materialize, or should any of our assumptions prove incorrect, our actual financial
condition, results of operations, future performance and business may vary in material respects from the performance projected in these forward-looking
statements, whether express or implied.
• This presentation does not constitute and shall not be deemed to be in any way an offer or invitation or solicitation of any offer or invitation to invest in the
Company and/or any of its affiliates. the Company or its shareholders may at any time negotiate with one or more interested parties and enter into a contract
without prior notice to any or all interested parties.
• In no event, neither the Company nor any of its affiliates, board of directors, board of commissioners, officers, agents or employees, nor the shareholder, shall be
liable before any third party (including investors) for decision made or action taken in reliance on the information and statements contained in this presentation
or for any consequential, special or similar damages.
• No representation or warranty, express or implied, is made concerning, and no reliance should be placed on, the accuracy, fairness, or completeness of
information and data contemplated herein.
• All data contains herein is not binding and shall not be referred by any recipient. This presentation material is strictly private and confidential. Any data shall be
treated as business secret. The recipient is restricted to share, copy, and/or use the presentation material unless agreed in writing by the Company.
• This presentation Does Not Constitute And May Not Be Used For The Purpose Of A Public Offering Or An Issue, Offer For Subscription Or Purchase, Invitation To
Subscribe For Or Purchase Any Securities Except With The Due Registration Of A Prospectus With The Otoritas Jasa Keuangan Under The Indonesian Law No.8
Of 1995 On Capital Market.
• This presentation and any related presentations do not constitute an offer or invitation to subscribe for or purchase any securities and nothing contained herein
shall form the basis of any contract or commitment whatsoever. No securities have been registered under the United States Securities Act of 1933, as amended
(the “Securities Act”) or with any securities regulatory authority of any state or other jurisdiction of the United States and the securities may not be offered, sold
or delivered within the United States except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities
Act. Neither this document nor any related presentation nor any copy thereof may be taken or transmitted or distributed, directly or indirectly, into the United
States. the Company does not intend to register any portion of the proposed offering in the United States.
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Public Expose Agenda
1. Overview
2. Business Performance Highlight Q3 2023
3. Financial Summary Q3 2023
4. VENTENY Plan 2nd Half 2023
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1. Overview
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VENTENY as a Public Listed Company PT VENTENY Fortuna International Tbk was successfully listed at Indonesia Stock Exchange (IDX) Effective as of December 15th 2022.
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VENTENY Group Structure
PT VENTENY FORTUNA
INTERNATIONAL TBK Japan
(IDN) 2023
January 2021
Holding Company & Operating Employee Benefit
INDONESIA SINGAPORE Japan
LAMPUNG BERKAH VENTENY MATAHARI
FINANSIAL VENTENY PTE LTD VENTENY G.K.
INDONESIA
TEKNOLOGI Philippines
September 2022 October 2018 August 2016 February 2023 2015
MSME Lending MSME Lending and
Platform Business Debt fundraising Debt fundraising
Platform Business
Singapore
PHILIPPINES 2016
DELTAPEAK
VENTENY INC
LENDING INC
Indonesia
February 2015 April 2017
2018
Platform Business Lending Business
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Solid & Experienced Management Team
Jun Waide Lie Kienata Damar Raditya
Founder & Group CEO Group CFO Group COO
Chandra Firmanto Katsuya Kitano Iwanho
President Commissioner Commissioner Independent Commissioner
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VENTENY Continuously Grows as a Reputable Company
Market Coverage
4 250.000 ++ 450 ++
Countries of Operations
Employee Members in Corporate Partners in
Philippines, Singapore,
Indonesia Indonesia
Indonesia & Japan
License and Award
Corporate Rating by
Public Listed ISO 27001 – Data Owning P2P
Kredit Rating Indonesia
Company Security Certification Lending License
CEO – Person of The Finalist in Fintech 2022 CNBC Most Nominated in Finalist at global fintech
Month Summit Promising Start-Up 2016 conference in Japan
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VENTENY’s Unique Proposition
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The Challenges Faced by MSMEs & Employee
As an ESG based company, VENTENY understands challenges faced by company and employee in this
modern era to help create meaningful social impact and tackle problems faced by them
Challenges Faced by Challenges Faced by SOLUTION
Companies Employees
Availability to Capital Financial flexibility
Lack of Credit History Lack of work life balance
Traditional Administration Poor insurance benefit VENTENY creates an ecosystem
to solve the challenges faced by
both MSMEs and employee
High employee turnover Lack of training
rate opportunities
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VENTENY Unique Business Approach Ensures Business Scalability
VENTENY offers a unique value proposition for MSMEs to grow their business by providing a
combination of growth funding and human capital empowerment.
Value proposition to MSMEs Value proposition to employees
Competitive
Fast & ease of Fintech *) Healthtech *)
interest rates
disbursement
Improve
Efficiency Small Medium
Employees
Enterprise
HR one stop Training & Edtech Lifestyle
solution service development
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B2B Financial Service
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Unique Positioning to Fill in Financing Gap in SE Asia
Metric Traditional Banks VENTENY Fintech Lending
Product Traditional Loan Financial*) and Non-Financial Service Flexible Loan
Loan Size > IDR 2 B Similar to Banks < IDR 2 B
Interest Rate 8% - 17% p.a Similar to Banks 36% - 60% p.a
Tenor > 1 year 1 – 12 months 1 – 12 months
Target Market Medium to Large Enterprise Micro to Large Enterprise Micro to Small Business
Processing Time > 2 months < 5 working days Avg 5 working days
Credit Approach Financial and Asset Based Cashflow and Data Based Cashflow and Data Based
Payment Guarantee Fixed Asset, Margin Deposit Depend on Risk Profile Depend on Risk Profile
*) Done through co-operation and collaboration with the licensed third parties under Financial Service Authority
Key
Strengths
Competitive Interest Fast Assessment No fixed asset Flexible Limit Super-app
collateral For Employees
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VENTENY Employee Superapp
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VENTENY Accommodates the Unmet Employees Needs
Unmet Employees Needs
Salary
► Access to emergency funds
► Assurance to cover accidents at work
► Additional Perks / incentives from for BPJS Annual Salary
Increase
work-life balance
► Additional course to boost skill and
knowledge
Generally provided by companies
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The 1st & THE LARGEST
Employee Super App
in Indonesia
✔ ZERO COST for HR
✔ EXCLUSIVE only for employees of our B2B partner
✔ ONE STOP SOLUTION for the needs of employees
✔ The LOWEST PRICE* in the market for products
offered in superapp
Introducing 4 Core Solutions
For a Better Employee Engagement
Financial Health Lifestyle Education
Technology Technology Technology Technology
* Dedicated to exclusive users only
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2. Business Performance Highlights Q3 2023
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VENTENY, Company With Strong Business Fundamental
❑ VENTENY has maintained business profitability since January 2021, increased by 57% in Q3 2023 YoY
❑ Total consolidated revenue in Q3 2023 has grown by 125% YoY
B2B Financial Service Key Achievements B2B2E Key Developments and Traction Growth
Venteny wallet, Multi-wallet and V-Coin
Dashboard for data analytics
Top-tier certifications available
(e.g. Meta, Microsoft, AWS, NUS)
New UI/UX
Q3 22 Q4 22 Q1 23 Q2 23 Q3 23
Loan Disbursement Revenue
IDR 1.0T IDR 59bn 98.3% 41% 425% IDR 41bn
Superapp
Loan B2B Collection Revenue Increase B2B2E
Disbursement Revenue Rate Contribution #Transaction Revenue
Data as of Q3 2023
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VENTENY B2B Financial Service Consistent Growth as of Q3 2023
Category Q3 2022 Q3 2023 Growth Non-Performing
Financing (NPF)
As of Sep 2023
1.7%
Loan Disbursement
907,692 1,003,295 11%
(in IDR million)
Average P2P Lending
Revenue NPF rate is 2.88%
40,508 59,349 47%
(in IDR million) as of Aug 23
B2B Financial Service Ecosystem Growth Funding Sources for B2B Financial Service
B2B Client Acquisition Active Lending Platform Japan (JPY) Indonesia (IDR)
Q3 2023 Q3 2023 As of Q3 2023 As of Q3 2023
440 4 68% 32%
52% YoY
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VENTENY Employee Superapp Exponential Growth as of Q3 2023
VENTENY Employee Superapp Revenue Growth
Superapp Ecosystem Growth
Revenue from B2B2E Employee Superapp
contributes to 41% of total group revenue
# Employee Member # Download
Q3 2023 Q3 2023
9% B2B2E
Revenue 238,650 69,368
Contribution
7% YoY 65% YoY
Superapp User Behaviour
Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023
Active Rate Average Revenue per
B2B Financial Service B2B2E Employee Superapp Q3 2023 User (ARPU)
Q3 2023
Category Q3 2022 Q3 2023 Growth
IDR
Transaction 241,007 1,264,264 425%
25% 300,000
GMV 7,833 106,009 1,253%
(in IDR million)
Revenue 3,802 40,685 970%
(in IDR million)
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Business Updates
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VENTENY Business Highlights
Women Financial
Empowerment Inclusion Employee Welfare
20% of client More than 9.600+ More than 250.000+
partners are led by MSMEs supported employees have
women by VENTENY experienced the benefits
of VENTENY Superapp
Geographical
Expansion Technology ESG
Additional Loan Management Collaboration with
Representative System implementation business partners to
Office at for better credit scoring promote ESG initiatives
Palembang. More
to follow.
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Collaborations to Strengthen the Ecosystem of VENTENY
To expand the business and strengthen VENTENY’s presence in empowering MSMEs and employees in
Indonesia VENTENY has collaborated with more reputable strategic partners in 2023
Partnership with
Partnership with Partnership with
Plastic Bank Indonesia
Tribunnews Jawa Timur Artotel Group
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VENTENY ESG Initiatives VENTENY has been very active in achieving the Sustainability Development Growth (SDG) by implementing ESG initiatives to reduce waste and increase the social equity.
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3. Financial Summary Q3 2023
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Ensuring Sustainable Growth
Total Assets (IDR bn) Total Liabilities (IDR bn) Total Equity (IDR bn)
YoY Growth: 165% YoY Growth: 99% YoY Growth: 355%
906.8
506.4 400.3
254.5
342.5
87.9
Sep-22 Sep-23 Sep-22 Sep-23 Sep-22 Sep-23
Total Revenue (IDR bn) Net Income (IDR bn)
YoY Growth: 125% YoY Growth: 57%
100.0
6.7
4.2
44.4
Sep-22 Sep-23 Sep-22 Sep-23
* YoY (Year on Year): 9M2022 vs 9M2023
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4. VENTENY Plan
For 2 Half 2023
nd
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Our Future Path – Expansion Plan
Indonesia Nationwide Expansion Plan
VENTENY’s Nationwide Expansion Plan
Head Office : Jakarta
Rep. Offices: Lampung, Surabaya, Palembang
Existing Coverage Area:
Greater Jakarta, Palembang, Lampung, Bandung,
Palembang
Yogyakarta, Surabaya, Semarang, and others
Jakarta
Bandar Surabaya
Representative Office Expansion Plan 2023:
Lampung Either in Central Java, Bali or South Sulawesi.
Business Plan
Increase Associations Stronger Media More Trust from Technology Diversifying
Engagement Presence Local Bank Improvement for Better Source of Fund
Business
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PT. VENTENY FORTUNA INTERNATIONAL Tbk World Trade Centre (WTC) 5 - 13th Floor Jl. Jend. Sudirman Kav. 29-31, RT.8 RW.3, Kel. Karet, Kec. Setiabudi, Jakarta Selatan, Indonesia 12920 (021) 520 6225 - 6227, (021) 520 6207 www.venteny.com E-mail: corporate_secretary@venteny.com Investor_relations@venteny.com
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