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PAPARAN PUBLIK
TAHUN BUKU 31 DESEMBER 2024
PT MNC Kapital Indonesia Tbk
KODE SAHAM: BCAP
MARET 2025
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INDUSTRY OVERVIEW
Immense Market Opportunity to Serve the Unbanked
> 282 Million
Population
48% Banked
Indonesia has the Full access to financial services
world’s fourth-
US$4,960 52% Unbanked
2024 GDP per Capita
largest unbanked
population Do not own a bank account
* adult population
~80%
Digital Financial Services
Internet Penetration
*in USD billion
~ 900 ~ 40 ~ 40
~1
+19%
~90% +18%
+27% +18%
Smartphone Penetration 404 +32% +33%
340 +45%
286 +101%
7 9 0.2
5 5 0.2 0.2
2 4
2022 2023 2024 2030 2022 2023 2024 2030 2022 2023 2024 2030 2022 2023 2024 2030
0.6% Payments (GTV) Wealth (AUM) Lending Loan Book Insurance (APE & GWP)
Lower carbon
emission for every
1% digital financial • The Global Findex by World Bank, 2022 • Google, Temasek, Bain, e-Conomy SEA, 2024 • Central Bureau of Statistics, 2024
• Indonesian Internet Service Providers Association Forecast, Jan 2024 • Statista, Dec 2024
inclusion
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3 MNC MEDIA ENTERTAINMENT
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4 MNC FINANCIAL SERVICES OVERVIEW
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5
Partnership Ecosystems
• White-labeling MotionPay e-Money and e-Wallet inside JMO SuperApp ecosystems (more than 30m
social security users)
• Disbursement of social security benefits and claim payment through Motion Bank overseas Network
• in-Apps purchase billers & utility payments inside JMO SuperApp
• Co-Brand Credit Card with SuperApp KAI Access (with more than 20m user base)
• On-Line MotionBank and Credit Card account opening
• MotionPay as preferred source of fund inside KAI Access SuperApp
• In-app purchase billers & utility payments inside KAI Access SuperApp
• Co-Brand Credit Card with Citilink App (with more than 3.5m Active user base)
• On-Line MotionBank and Credit Card account opening
• MotionPay as preferred source of fund inside Citilink self-services app
• in-Apps purchase billers & utility payments inside Citilink self-services app
• MNC Insurance has won substantial contract of fleet insurance and buildings from Bluebird
• MotionPay is proposing whitelabel e-Money, e-Wallet, transfer and in app purchase
• MotionBank – “Banking as a Services integration“ with Bluebird Taxi reservation App ecosystem
• MotionBank as the first Digital Banking facilitating pension salary payment to Retired Government
Employees (3M retirees)
• MotionBank provides digital lending with auto-deduction installment from retiree’s payroll
• MotionTrade as an appointed investment platform for Taspen Life (a life insurance unit of Taspen)
• State owned power company with more than 80m households, PLN developed super-app
ecosystems PLN Mobile
• We provide bundled services, including white-labeling MotionPay, MotionBank, and MNC Group
OTT platform Vision+, as an exclusive payment ecosystem for PLN Mobile
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THE SOLUTION
Account Details MotionBank is an integrated digital banking
with optional balance display
app, providing end to end banking services and
attractive features.
Main Products
- Savings Account
- Online Time Deposits
- MotionPension
UPCOMING FEATURES
Daily Transactions • Online Debit
• Bank as a Service (BaaS)
Financial Solutions
- Debit Card & Digital/Virtual Credit Card • Cardless Cash Withdrawal
- Digital Lending • QRIS Tuntas (Merchant)
- Securities Account/RDN • Cross Border QR
Others
• FX Online
(Business Banking & MotionPay Integration) • Personal Financial Management
QRIS Payment
Product development
Securities
Account/RDN
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MODERN & CONVENIENT CREDIT CARDS
Full digital
onboarding
with a Credit card features on app
5-minute Activation
approval Apply for new credit card, supplementary, or add-on card
decision! Installment plans
Credit limit increase All cards feature contactless
Cash on hand technology for lightning-fast and
secure tap-and-go payments.
Transaction details
Change PIN
Virtual card display for online transaction
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MotionCredit accommodates
retail financing trends, fully
DIGITAL LENDING digital end-to-end from user
acquisition, administration, and
MARKETPLACE collection, enhancing
Finance’s reach to a broader
MNC
market.
Brief Financing Simulation & Online Payment
Discover new experience of financing
Main Products
• Gadai Mobil Friendly UI/UX
Car refinancing through AI-based credit scoring
and easy to use application Complete financial solutions
• Gadai Rumah
House refinancing through flexible use of Flexible financing option
application
AI-based credit scoring
Sliding Banner for Promotion & Announcement
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INTEGRATED CASHLESS
PAYMENT SOLUTION CUTTING-EDGE FEATURES
MotionPay is a digital payment Whitelabel eMoney Solution
platform including electronic money,
electronic wallet, and digital transfer. MotionCash
MotionPay serves as the main
payment instrument in MNC Group Cross Border MotionRemittance for PMI
Ecosystem as well as mass products Cross Border QRIS
payment.
MotionWallet
MotionPoints
Balance & MotionPoints
MotionBills
Transfer e-money to/from bank account ●
E-Wallet to save debit/credit card ● MotionVoucher
MotionPaylater
Mass Product Segment
MotionPay has partnerships with other ●
mass service providers
Product Display ● ISO/IEC 27001:2013 Certified
Bank Indonesia No. 21/392/DKSP/Srt/B
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Flash Mobile focus on providing payment gateway services in PAYMENT NETWORKS
Indonesia, with qualified certifications including:
• PCI DSS security certification
• Fund Transfer Certification between Banks & eMoney CARDS VIRTUAL ACCOUNTS
• QRIS Payment Certification
• Electronic Transaction and System Operator (PSTE) RETAIL OUTLETS E-WALLET
QRIS DIRECT DEBIT
Payment Gateway QRIS Payment Invoicing for SMEs
PAYLATER/
Transfer Services Billing Aggregator Value Added Service
CARDLESS
How Payment Gateway Works
Payment gateway partners,
Flash Mobile banks, financial institutions, Merchant’s Flash
payment gateway e-Wallets, billers Mobile account
Online/offline API API Cash out
transaction communication communication settlement
Customer:
pays via bank, Merchants, biller
e-Wallet, or biller or partner
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THE BEST ONLINE TRADING APP
MotionTrade by MNC Sekuritas has SERVICES
been one of the best and well- MNC Fixed
MNC Capital Market
known online stock-trading platform Income
Retail
since 2016. MNC Merchant
Branch
Bank
Online Trading
STRONG POINTS Mutual Funds
MNC Research
Institution &
High Net Worth
135 Points of Sales up to 208 products
The widest distribution
network in Indonesia
The most complete and
innovative products and DISTINCTIVE FEATURES
services
Auto Invest Super Order Online Account One Time PIN
Opening Authentication
1 out of 17 1 out of 10
Securities houses with Securities houses with
Sharia Online Trading short-selling license
System (SOTS) license e-IPO Daily MNC Research Advance Margin
& Stock Charting Tools Trading
Recommendation
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SEAMLESS
“Online Stock Trading“ “Digital Lending“ INTEGRATION FOR
BETTER USER JOURNEY
When users move on to more sophisticated
platforms, KYC requirements becomes tighter
“e-Money, e-Wallet with respect to the associated risk factors of
“Online Mutual Fund“
& Digital Remittance“ the provided service.
Single sign-on
Connected e-KYC across platform
Cross wallet for convenient transaction
“Life & General
“Payment Gateway“
Insurance“ Complete user data for comprehensive
credit scoring
Other Digital Products End-to-end financial solutions
& Ecosystem
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OUR STRATEGY
Maximizing transaction-based income from underserved individuals and SMEs
Why this market?
~ 186 million
Aspiring Middle & Middle Income Individual
29% 71%
Funding Transaction Lending
Have No access
• Competitive interest Credit profiling based on De-risking business access to to credit
• Lucky draw / Lottery user transactions model by partnering credit
with P2P Lending to
Promotions serve both end
(discounts and cashback) customers & MSME
to boost transactions,
Partnering with POS barter with media value 66 million
Indonesia and retail (no cash-burning) Micro, Small and Medium Enterprises
outlet as Agent Bank
29% 71%
Digital lending strategies:
Have No access
access to to credit
Partnering E-commerce digital credit
with lending for both
reputable lending to merchant (working
Virtual P2P lending retired capital) and buyers
Credit platforms to government (buy now pay World Bank 2022; Central Bureau of Statistics, 2024; The
Card manage risk employees later) Indonesian Joint Funding Fintech Association 2023; Indonesia
Chamber of Commerce and Industry 2024
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WHITE LABELING
FINTECH CO-BRANDING Why Co-Branding?
SOLUTION • License
Provides co-branding services for partners • Technology
who want to create or develop fintech • Resources
ecosystem. Difficulties such as managing
licenses, permits, and technology can be
solved by co-branding cooperation. Products
• E-Money
• Top-up, transfers, transactions,
balance checking
• QRIS
• Loyalty points
• Credit card
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Through
Total Number of Indonesian Migrant Workers MNC Bank
MNC Leasing
3,908,534
1%
Indonesian
24% Migrant Workers
ASEAN Loan
Departure
Asia excluding ASEAN
48% Middle East
Others
27%
Salary
Receive
Remittance of Indonesian Migrant Workers
(Full Year 2024)
USD 15,702 Million
Work
5,792
5,194
Auto deduct
4,394 Make transactions to home to pay loan
Deposit into
Anytime Anywhere installments
MotionBank
322
ASEAN ASIA EXCLUDING MIDDLE EAST OTHERS
ASEAN
in million USD
Central Bank of Indonesia, 2024
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QR Adoption in Indonesia
Total QRIS Merchants 36+ Million
4%4% Micro
6%
Small
Cross-border remittance
Middle
30% 56% Big Indonesia, Malaysia, Thailand, Singapore, India, Korea, Japan, UAE
Donation/Others
Receiver
Sender
Transactions USD 41,417 Million
(Full Year 2024)
What happens behind the scene
Domestic switching Foreign switching Acquirer
Issuer agent agent
Central Bank of Indonesia, 2024 in million USD
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17 INVESTMENT HIGHLIGHTS Immense Market Opportunity: Strategic Emphasis on Profitability: of serving unbanked/underbanked sustainable and low burn rate to with a solid digital presence while maximize profitability delivering value to conventional customers New Digital Initiatives: Proven Track Record: accelerating delivery of low-cost, strong inorganic growth and accessible products that fit customers’ exceptional management team needs Full Suite of Licenses under Building Superior Understanding One Holding Company: of Our Customers with exceptional ability to acquire through solid digital ecosystem new financial services licenses within MNC Asia Holding
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in million Rupiah FY-2024 FY-2023 % FY2024
Profit or Loss
Revenues 3,326,470 2,954,296 12.6% FINANCIAL
Interest and dividends
Capital market income
1,957,050
209,215
1,874,772
301,367
HIGHLIGHTS
Net premium income 788,004 348,847
Digital income 305,576 326,893
Sharia financing lease income 34,661 27,380
Other operating income 31,964 75,037
Income before tax 164,282 156,615
Net income 126,038 77,585 62.5%
Net income attributable to:
- Owners of the company 92,373 55,928 65.2%
- Non-controlling interests 33,665 21,657
Comprehensive income (loss) 181,804 (12,688)
Comprehensive income (loss)
attributable to:
- Owners of the company 148,529 (33,620)
- Non-controlling interests 33,275 20,932
Earning per share (in full Rupiah) 2.17 1.31 65.2%
in million Rupiah FY-2024 FY-2023 %
Financial Position
Total Assets 29,455,830 25,863,812 13.9%
Total Liabilities 22,283,273 18,860,818 18.1%
Total Equity 7,172,557 7,002,994 2.4%
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THANK YOU PT MNC Kapital Indonesia Tbk MNC Bank Tower 21st Floor Jl. Kebon Sirih No. 21-27 Jakarta 10340, Indonesia Tel. +62-21 2970 9700 Fax. +62-21 3983 6870 www.mncfinancialservices.com
Names mentioned 4 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.9
unresolved
org
Bank MNC Leasing
p.15
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