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Page 1
PUBLIC EXPOSE
Jakarta, 18 June 2025
Page 2
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.
Page 3
Public Expose Agenda




    1. Overview

    2. Financial Performance Q1 2025 Highlights

    3. Business Performance Q1 2025 Highlights

    4. VENTENY Impact

    5. VENTENY Future Plan
Page 4
1. Overview
Page 5
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.
Page 6
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)
Page 7
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
Page 8
VENTENY Continuously Grows as a Reputable Company

                                                    License




                                                     “A-”
  Public Listed     ISO 27001 – Data        Corporate Rating by         Owning P2P         Stakeholder-Verified
   Company        Security Certification   Kredit Rating Indonesia    Lending License    ORANGE SEAL By IIX Global

                                                     Award




         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
Page 9
Solid & Experienced Management Team




Jun Waide                         Kaleb Solaiman                  Lie Kienata                     Damar Raditya
Founder & Group CEO               Director                        Director                        Director
More than 10 years                More than 20 years experience   More than 20 years experience   More than 10 years
experience in tech industry       in financial industry           in financial industry           experience in tech industry




         Chandra Firmanto                         Katsuya Kitano                         Iwanho
         President Commissioner                   Commissioner                           Independent Commissioner
         More than 20 years                       More than 10 years                     More than 20 years
         experience in start up                   experience in financial                experience in capital
         ventures                                 services                               market
Page 10
2. Financial Performance
Q1 2025 Highlights
Page 11
Ensuring Sustainable Growth

         Total Assets (IDR bn)         Total Liabilities (IDR bn)      Total Equity (IDR bn)

         YoY Growth: 31%                YoY Growth: 52%                YoY Growth: 3%
                             1,270

               966
                                                                853
                                                                                               417
                                              562

                                                                             405


             Q1 2024         Q1 2025        Q1 2024          Q1 2025        Q1 2024        Q1 2025




         Revenue (IDR bn)               Gross Profit (IDR bn)          Net Income Before Tax (IDR bn)

         YoY Growth: 105%                YoY Growth: 104%               YoY Growth: 65%


                             81.3


             39.6                                            28.0
                                                                                               5.2
                                             13.7                           3.2


            Q1 2024         Q1 2025        Q1 2024          Q1 2025        Q1 2024        Q1 2025

                                                                                                             Data as of Q1 2025
                                                                                          YoY (year-on-year) Q1 2024 vs Q1 2025
Page 12
3. Business Performance
Q1 2025 Highlights
Page 13
B2B - MSME Lending Business
Page 14
VENTENY B2B Financial Service Consistent Growth as of Q1 2025

               Loan Disbursement                                                                              Non-Performing Financing (NPF)
                                                                      Revenue
                      (in IDR bn)                                     (in IDR bn)                             (as of Mar 25)
                                                                                                                                   2.8%
                                    222                                                                                            P2P Average


             146                                                                                                                  2.0%
                                                                                                                                  VENTENY
                                                                                      34
                                                              25

                                                                                                                             NPF Rate:   DPD 90+
                                                                                                                                         Loan
            Q1 2024             Q1 2025                     Q1 2024                 Q1 2025                                              Disbursement



       B2B Financial Service Ecosystem Growth                                                 Funding Sources for B2B Financial Service

  B2B Client Acquisition                  Active Lending Platform                   Japan (JPY)            Indonesia (IDR)        Other (USD&SGD)
  Q1 2025                                 Q1 2025                                   As of Q1 2025          As of Q1 2025          As of Q1 2025



            489                                      4                                  78%                    18%                       8%
                                                                                                                                          Data as of Q1 2025
Page 15
Collaborations to Strengthen the Ecosystem of VENTENY




   VENTENY has
   continued to increase
   its strategic
                                 Partnership with       Partnership with
   partnerships with local
                                   Amar Bank            Bank Danamon
   reputable banks and
   financial institutions in
   Indonesia to empower
   more MSMEs and
   employees in Indonesia.



                                 Partnership with       Partnership with
                                 Bank Mayapada             MNC Bank
Page 16
B2B2E – Employee Super App
Page 17
                          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 super app


   Major merchant partners:
                                                                  Introducing 4 Core Solutions
                                                              For a Better Employee Engagement




                                                         Financial   Health    Lifestyle    Education
                                                        Technology Technology Technology   Technology

* Dedicated to exclusive users only
Page 18
VENTENY Employee Super App Exponential Growth as of Q1 2025


        VENTENY Employee Super App Revenue Growth                                 Super App Ecosystem Growth


                                                                        # Employee Member       # Download
                                                                        Q1 2025                 Q1 2025
               GMV                              Revenue
              (in IDR bn)                       (in IDR bn)
                                                                        310,000                   85,400
                             49




                                                                47
                                                                                    Super App User Behavior

                                                                        Active Rate             Average Revenue per
                                                                        Q1 2025                 User (ARPU)
      8                                                                                         Q1 2025
                                        7
                                                                                                          IDR
    Q1 2024                 Q1 2025   Q1 2024                 Q1 2025         25%               300,000
                                                                                                                Data as of Q1 2025
Page 19
B2B2E Key Development and Traction Growth


                         Introduction of VENTENY wallet, multi-wallet and
                         V-Coins



                         New and improved UI/UX to increase user
                         engagement and experience



                          Increase presence of VENTENY Employee
                          Super App in big companies
Page 20
4. VENTENY Impact Activities
Page 21
VENTENY ESG Impact Activities
 VENTENY is committed to upholding sustainability
 in its business operations focusing on Better
                                                         Partnership with
 Environment and Equal Opportunities.                    Plastic Bank Indonesia
                                                         and Daur.id for waste
                                                         reduction

                                                         01

                                                               02     ESG Committee & ESG Ambassador


                                            06
        MSME Development and Business
                                                               03      Digitalization and environmentally friendly
                                                                       business processes.
        Acceleration Program
                                                    05   04
                                        Woman
                                                          Increasing Employee
                                        Empowerment
                                                          Welfare through
                                        Program
                                                          VENTENY Employee
                                                          Super App
Page 22
5. VENTENY Future Plan
Page 23
Our Future Path – Expansion Plan
VENTENY’s Nationwide Expansion Plan




       Palembang

                                      Jakarta
                                                  Surabaya
        Bandar Lampung




               Head Office : Jakarta                         Market Expansion Plan :
               Rep. Offices: Lampung, Surabaya,              Potential: Central Java, Bali, South
               Palembang                                     Sulawesi.

               Existing Coverage Area:                       Target Market:
               Greater Jakarta, South Sumatra,               MSMEs, Women Entrepreneurs,
               Lampung, East Java, West Java,                Green Business
               Yogyakarta, Central Java, and others
Page 24
Our Future Path – Strategic Business Approach



    Key                                 Advancing Strategic

    Drivers                             Partnerships with Key Financial
                                        and Industry Stakeholders

                                        Exploring Market Opportunities
                                        for Business Accelerators with
                                        Asset-Based Financing

                                        Sharpening Super App Products,
                                        with Focused on Financial
                                        Service-Led Innovations
Page 25
PT VENTENY FORTUNA INTERNATIONAL Tbk
VENTENY Building
Jl. Sultan Agung No. 20,
Guntur, Setiabudi,
Jakarta Selatan, Indonesia 12980
(021) 3007-2777
www.venteny.com
E-mail:
corporate_secretary@venteny.com
investor_relations@venteny.com

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Names mentioned 13 people and organisations named in the text · linked when the evidence is strong

linked person Lie Kienata p.9
linked person Damar Raditya p.9
linked person Chandra Firmanto p.9
linked org Bank Danamon p.15
possible org Otoritas Jasa Keuangan p.2
unresolved org Indonesia Stock Exchange p.5
unresolved org PT LAMPUNG BERKAH p.6
unresolved org PT VENTENY MATAHARI PERANGKAT INDONESIA p.6
unresolved org VENTENY PTE LTD p.6 ×2
unresolved org PT MARECO p.6
unresolved org Bank Mayapada p.15
unresolved org Bank Indonesia p.21

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