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PUBLIC EXPOSE JAKARTA, 12 SEPTEMBER 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. Performance Highlight 1st Half 2023
3. Financial Summary 1st Half 2023
4. VENTENY Plan 2 nd 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
INDONESIA SINGAPORE Japan
VENTENY MATAHARI VENTENY PTE LTD VENTENY G.K. Philippines
INDONESIA
August 2016
2015
October 2018 February 2023
Lending and Platform Business Debt fundraising and M&A Debt fundraising
Singapore
PHILIPPINES 2016
VENTENY INC DELTAPEAK
LENDING INC
February 2015 April 2017
Platform Business Lending Business Indonesia
2018
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VENTENY Continuously Grows as a Reputable Company
Market Coverage
4 250.000 ++ 450 ++ 110 ++
Countries of Operations
Employee Members in Corporate Partners in Local & International
The Philippines,
Indonesia Indonesia Media Coverage
Singapore, 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
VENTENY understands challenges faced by company and employee in this modern era. We
create an all-in-one solutions to ease MSMEs in doing business by retaining its best employees
Challenges Faced by Challenges Faced by SOLUTION
Companies Employees
Lack of reliable financial
Availability to Capital
access
Lack of work life balance at
Lack of Credit History workplace
Lack of assurance for family VENTENY provides one stop
Traditional Administration safety
solution to solve the challenges
faced by both MSMEs and
Low Employee Lack of training
Engagement opportunities at workplace employee
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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 *) Insurtech *)
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 SuperApp
in Indonesia
ZERO COST for HR
EXCLUSIVE only for employees at our B2B partner
ONE STOP SOLUTION for the needs of employees
The LOWEST PRICE* in the market for products
offered in super-app
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. Performance Highlight 1 Half 2023 st
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VENTENY, Company With Strong Business Fundamental
q VENTENY maintain business profitability since January 2021, increased by 2.47x in 1st half 2023 YoY
q Total consolidated revenue in 1st half 2023 has grown by 2.04% YoY
Revenue from B2B2E Employee Superapp Key Business Outline
contributes to 37% of total group revenue
35% 1,075%
B2B Financial Service B2B2E Employee Superapp
Revenue Increased YoY Revenue Increased YoY
70% 452%
Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 B2B Financial Service B2B2E Employee Superapp
B2B Financial Service B2B2E Employee Superapp Client Growth YoY Transaction Growth YoY
* YoY (Year on Year): 1st Half 2022 vs 1st Half 2023
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B2B Financial Service
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Key Results B2B Financial Service 1st Half 2023
VENTENY have transitioned towards a data-driven approach by implementing a loan management
system to identify the most suitable market segments with improved return rates and reduced risk levels.
Loan Disbursement Revenue Gross Profit Margin
(IDR million) (IDR million) (%)
583,700 36,832 43%
4% YoY 35% YoY
1H 2022 1H 2023 Growth Rate
Loan Disbursement (IDR million) 607,213 583,700 -4%
B2B Financial Service Revenue (IDR million) 27,328 36,832 35%
* YoY (Year on Year): 1st Half 2022 vs 1st Half 2023
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Rapid Ecosystem Growth With Diversification of Industries and Areas
VENTENY keeps expanding to cover more cities in Indonesia and collaborate with various
associations to reach into more industries.
B2B Client Acquisition B2B Industry Segmentation B2B Client Area Distribution
YoY Growth Rate
70%
375
221
Trade Outsource Jakarta Jawa Timur
Construction Services Jawa Barat Banten
1H 2022 1H 2023
Logistics Others Jawa Tengah Lainnya
* YoY (Year on Year): 1st Half 2022 vs 1st Half 2023
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VENTENY B2B Financial Service Highlights
VENTENY maintains higher collection rate compared to the average collection rate of P2P
Companies in Indonesia.
VENTENY Non-Performing P2P Lending Companies Average
Financing NPF Rate NPF Rate
As of June 2023 As of June 2023
NPF NPF
98,24% 1.76% 96,71% 3.29%
Successful Collection Rate Successful Collection Rate
Source: OJK
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VENTENY B2B Financial Service Other 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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VENTENY Employee Superapp
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VENTENY Employee Superapp Grew Significantly in 1st Half 2023
As the 1st and Largest Employee Superapp in Indonesia, we aim to improve our understanding of our users to
optimize our Superapp to align with users' preferences and ultimately achieve remarkable revenue growth.
JUNE 2022 JUNE 2023
6%
37%
63%
94%
VENTENY Employee Superapp B2B Financial Service
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Key Results B2B2E Superapp 1st Half 2023
VENTENY continues to enhanced collaboration with partners through various activations and initiatives
has resulted in an increased the use of B2B2E Superapp.
Superapp GMV Revenue
#Transactions (IDR million) (IDR million)
348,388 51,620 22,062
452% YoY 1,529% YoY 1,075% YoY
1H 2022 1H 2023 Growth Rate
Superapp #Transactions 63,064 348,388 452%
B2B2E Superapp GMV (IDR million) 3,169 51,620 1,529%
B2B2E Superapp Revenue (IDR million) 1,877 22,062 1,075%
* YoY (Year on Year): 1st Half 2022 vs 1st Half 2023
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Superapp Untapped Potential Within Our Employee Community
VENTENY proactively intensified its interactions with B2B partners, leading to a substantial rise in the
utilization of the VENTENY Superapp among employees, with engagement rate of 25%.
Exclusive Members Super-app Downloads
YoY Growth Rate YoY Growth Rate
12%
190%
232 K
208 K
62,6 K
21,5 K
1H 2022 1H 2023 1H 2022 1H 2023
* YoY (Year on Year): 1st Half 2022 vs 1st Half 2023
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Business Highlights
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Collaborations to Strengthen the Ecosystem of VENTENY
To expand the business and strengthen the VENTENY ecosystem, in 2023, VENTENY has collaborated with
various strategic partners. This collaboration involves strategic collaboration to support the growth of
MSMEs and the use of the VENTENY Superapp application in managing the Employee Benefits programs.
TribunJatim.com in the ArtotelGroup in the Bina Darma Palembang University
media industry tourism industry in the education industry
Stronger engagement with partners for B2B2E Superapp through activation activities
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3. Financial Summary 1 Half 2023 st
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Ensuring Sustainable Growth to Increase Shareholders Value
q Revenue increase was attributed to higher interest margins and substantial growth in the B2B2E sector.
q Effectively controlled expenses leads to increased profitability.
2.02x
1.76x
2.47x
58,9
29,2
19,3
10,9 9,3
4,1
1H 2022 1H 2023 1H 2022 1H 2023 1H 2022 1H 2023
Revenue Gross Profit Net Profit
In IDR billion
* YoY (Year on Year): 1st Half 2022 vs 1st Half 2023
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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,
Yogyakarta, Surabaya, Semarang, and others
Jakarta
Bandar Lampung Surabaya
Representative Office Expansion Plan 2023:
Either in Central Java, Bali or South Sulawesi.
Business Plan
Increase Associations More Trust from Stronger offshore fund
Engagement Local Bank
Stronger Media Presence Technology for Stronger Credit
Assessment & Superapp Improvement
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Sustainability at VENTENY VENTENY Sustainability Pillars is created with VENTENY’s Vision and Mission in mind, inline with VENTENY’s values and supported by strong Good Corporate Governance to ensure VENTENY’s Sustainability.
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Sustainability at VENTENY VENTENY is exploring collaboration with several NGOs and associations, one of which is to increase awareness of the environment with a plastic recycling program and to improve the standard of living of its partners through access to financial, education and health through VENTENY Superapp.
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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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