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PUBLIC EXPOSE LIVE Jakarta, 9 September 2025
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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 Live Agenda 1. VENTENY Overview 2. Performance Highlights 1H 2025 3. VENTENY Future Plan
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1. VENTENY 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 (IDN)
January 2021
Holding Company & Operating Employee Benefit
INDONESIA SINGAPORE JAPAN
PT DIGITALISASI PT LAMPUNG
BERKAH PT VENTENY MATAHARI
PERANGKAT INDONESIA VENTENY PTE LTD VENTENY GK
FINANSIAL INDONESIA
TEKNOLOGI
Investment: December 2023 Acquired: November 2023 October 2018 August 2016 February 2023
Holding Fintech Company MSME Lending MSME Lending Debt Fundraising Debt Fundraising
Platform Business (P2P) (Super Lender)
PHILIPPINES
PT BURSA PT MARECO VENTENY INC DELTAPEAK LENDING
AKSELERASI PRIMA MANDIRI INC
INDONESIA
February 2015 April 2017
Lending Platform Payment Gateway Platform Business Lending Business
Business (P2P) (E-Wallet)
Data as of 1H 2025
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VENTENY Overview
Operating in 4 countries, HQ in Jakarta, Japan
Indonesia 2023
490++ Corporate Partners
10.000++ MSMEs Partners in Indonesia
Philippines
310.000++ exclusive employee members
2015
45% MSMEs partners lead by Singapore
womanpreneur in 2024 2016
Distributed IDR 5.2 T of growth funding
since operating in Indonesia until Dec 24
Indonesia
2018
Data as of Dec 2024
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VENTENY Continuously Grows as a Reputable Company
Licenses
“A-”
Public Listed ISO/IEC 27001:2022 Data Corporate Rating by Owning P2P Stakeholder-Verified
Company Security Certification Kredit Rating Indonesia Lending License ORANGE SEAL By IIX Global
Awards
2024 CNBC Most Innovative CEO – Person of 2022 CNBC Most
Platform for Employee Welfare The Month Promising Start-Up
Finalist at global fintech
Fintech Summit Finalist Nominated in 2016 conference in Japan Data as of 1H 2025
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VENTENY Solid & Experienced Management Team
Jun Waide Kaleb Solaiman Milokevin Wendiady
Founder & Group CEO Group CFO Group COO
More than 15 years More than 20 years experience More than 20 years experience
experience in tech industry in financial industry in financial industry
Katsuya Kitano Iwanho
President Commissioner Independent Commissioner
More than 10 years More than 20 years
experience in financial experience in capital
services market
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VENTENY ESG Impact Activities
VENTENY is committed to upholding sustainability in its business operations focusing on
Better Environment and Equal Opportunities.
Blood Donor Partnership with Daur.id
Sponsorship for waste reduction
08 01
VENTENY CSR
Ramadhan ESG Committee & ESG Ambassador
07 02
MSME
Digitalization and
Development 06 03 environmentally
and Business
friendly business
Acceleration
processes.
Program
05 04
Increasing Employee
Welfare through
VENTENY Employee
Super App
Woman
Empowerment
Program
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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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How VENTENY Works
Business BtoB BtoBtoE
Models
Focused MSMEs Employees
Market
Types of BtoB BtoBtoE
Services Financial Service Employee Benefit Service
Bridging the Financial gap Providing one-stop
Employee Benefit solution
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2. Performance Highlights 1H 2025
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Ensuring Sustainable Growth
Total Assets (IDR bn) Total Liabilities (IDR bn) Total Equity (IDR bn)
YoY Growth: 27% YoY Growth: 42% YoY Growth: 5%
1,295
871
1,021 615
424
406
1H 2024 1H 2025 1H 2024 1H 2025 1H 2024 1H 2025
Revenue (IDR bn) Gross Profit (IDR bn) Net Income Before Tax (IDR bn)
YoY Growth: 18% YoY Growth: 18% YoY Growth: 194%
104
88
35
30
9.4
3.2
1H 2024 1H 2025 1H 2024 1H 2025 1H 2024 1H 2025
Data as of 1H 2025
YoY (year-on-year) 1H 2024 vs 1H 2025
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VENTENY Business Performance as of 1H 2025
Funding Sources
Business Revenue Performance As of June 2025
Japan (JPY) Others (IDR, USD, SGD)
1H 2025 1H 2025
1H 2025 56
77% 33%
1H 2024 50
Super App Ecosystem
1H 2025 48 As of June 2025
1H 2024 21 # Download # Employee Member
1H 2025 1H 2025
In IDR billion
86,986 310,000
B2B Revenue Super App Revenue
Data as of 1H 2025
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3. VENTENY Future Plan
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Our Future Path – Expansion Plan
VENTENY’s Nationwide Expansion Plan
Palembang
Jakarta
Surabaya
Bandar Lampung
Head Office : Jakarta Potential Market Expansion Plan:
Rep. Offices: Lampung, Surabaya, Central Java, Bali, South Sulawesi.
Palembang
Existing Coverage Area: Target Market:
Greater Jakarta, South Sumatra, MSMEs, Women Entrepreneurs,
Lampung, East Java, West Java, Green Business
Yogyakarta, Central Java, and others
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Our Future Path – Strategic Business Approach
Key Partnership
Drivers
Advancing Strategic Partnerships with
Key Financial and Industry
Stakeholders
Asset-Based Financing
Exploring Market Opportunities for
Business Accelerators with Asset-
Based Financing
V Financial
Sharpening Super App Products,
with Focused on Financial Service-
Led Innovations
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B2B – JARI (JAMINAN PROPERTI)
JARI is a working capital loan for businesses secured by fixed assets (property).
"Turn your property into growth capital –
whether you’re launching a dream or expanding an empire."
Sizeable Limit
Quick Process
Competitively Priced
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B2B2E – V Financial Financial Empowerment Powered by the VENTENY Super App EWA (Earned Wage Access) Give employees instant access to their earned wages — no need to wait for payday. AWA (Advance Wage Access) Let employees access salary advances through secure, employer- approved tech. Ownership Program Enable installment plans for essential goods (phones, electronics, and appliances).
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VENTENY Building Jalan Sultan Agung No. 20, Guntur Setiabudi, Jakarta Selatan DKI Jakarta, Indonesia 12980 +62 21 30072777 www.venteny.com corporate_secretary@venteny.com investor_relations@venteny.com
Names mentioned 8 people and organisations named in the text · linked when the evidence is strong
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Indonesia Stock Exchange
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PT LAMPUNG BERKAH
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PT VENTENY MATAHARI PERANGKAT INDONESIA
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VENTENY PTE LTD
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unresolved
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PT MARECO
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