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PUBLIC EXPOSE LIVE JAKARTA, 26 AGUSTUS 2024
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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 1st Half 2024
3. Financial Summary 1st Half 2024
4. VENTENY Plan 2nd Half 2024
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1. Overview
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VENTENY Overview
Operating in 4 countries, HQ in Jakarta, Japan
Indonesia 2023
460++ Company Partners
10.000++ MSMEs Partners in Indonesia
Philippines
300.000++ exclusive employee members
2015
29% MSMEs partners lead by Singapore
womanpreneur 2016
Distributed IDR 3.7 T of growth funding
since operating in Indonesia until
December 2023 Indonesia
2018
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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)
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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 Recognition
License
Corporate Rating by
Public Listed ISO 27001 – Data Owning P2P
Kredit Rating Indonesia
Company Security Certification Lending License
Award
CEO – Person of Finalist in 2022 CNBC Most Nominated in Finalist at global
The Month Fintech Summit Promising Start-Up 2016 fintech 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.
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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How VENTENY Works
Business BtoB BtoBtoE
Models (Business to Business) (Business to Business to Employees)
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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Our B2B Financial Solution for Every MSME Needs
VENTENY stands as a beacon of excellence in providing unparalleled customized financial services based
on your unique needs.
Metric Traditional Banks VENTENY Fintech Lending
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
Processing Time > 2 months < 5 working days Avg 5 working days
Payment Guarantee Fixed Asset, Margin Deposit Depend on Risk Profile Depend on Risk Profile
VENTENY Financial Solutions
Key
Strengths
Competitive Interest Fast Assessment No fixed asset Flexible Limit Anchor Based
collateral
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Our B2B2E Employee Super App to Boost Company Productivity
The 1st & THE LARGEST
Employee Super App
in Indonesia
Companies need seamless, fast, and
integrated solution to engage and retain your
most valuable asset: Employees.
4 Core Solutions
For a Better Employee Engagement:
Financial Health Lifestyle Education
Technology Technology Technology Technology
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2. Business Performance Highlights 1H 2024
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VENTENY B2B Financial Service Consistent Growth as of 1H 2024
Non-Performing Financing (NPF)
(as of Jun 24)
Category 1H 2023 1H 2024 Growth 2.79%
P2P Average
Loan
Disbursement 584 611 5% 1.7%
(in IDR billion) VENTENY
Revenue
37 50 36% NPF Rate: DPD 90+
(in IDR billion) Loan
Disbursement
B2B Financial Service Ecosystem Growth Funding Sources for B2B Financial Service
B2B Client Acquisition Active Lending Platform Japan (JPY) Indonesia (IDR)
1H 2024 1H 2024 As of 1H 2024 As of 1H 2024
466 5 71% 29%
24% YoY
Data as of 1H 2024
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Collaborations to Strengthen the Ecosystem of VENTENY
VENTENY has continued to increase its strategic partnerships with local reputable banks
and financial institutions in Indonesia to empower more MSMEs and employees in Indonesia.
Partnership with Partnership with
Amar Bank Bank Danamon
Partnership with Partnership with
Bank Mayapada MNC Bank
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VENTENY Employee Super App Continuous Growth as of 1H 2024
VENTENY Employee Super App Revenue Growth Super App Ecosystem Growth
VENTENY has continued to record GMV and revenue
growth despite lower transaction volume mainly due to # Employee Member # Download
1H 2024 1H 2024
the increase in VENTENY Super App’s financial services
300,000 77,800
# of GMV Revenue
(in IDR million) (in IDR million)
Transactions
(in thousands)
Super App User Behaviour
23
405
21 Active Rate Average Revenue per
1H 2024 User (ARPU)
1H 2024
19 IDR
104
18
25% 300,000
1H 2023 1H 2024 1H 2023 1H 2024 1H 2023 1H 2024
Data as of 1H 2024
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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
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3. Financial Highlights 1H 2024
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1H 2024 Financial Highlights
Total Assets (IDR bn) Total Liabilities (IDR bn) Total Equity (IDR bn)
YoY Growth: 13% YoY Growth: 22% YoY Growth: 1%
1,020.6 615.1
405.6
502.8
904.7 402.0
Jun-23 Jun-24 Jun-23 Jun-24 Jun-23 Jun-24
Net Income Before Tax
Total Revenue (IDR bn) Gross Profit (IDR bn) (IDR bn)
YoY Growth: 49% YoY Growth: 54% YoY Growth: -66%
87.9
58.9
29.7
19.3
9.3
3.2
Jun-23 Jun-24 Jun-23 Jun-24 Jun-23 Jun-24
Data as of 1H 2024
YoY (year-on-year) 6M2023 vs 6M2024
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4. VENTENY Plan For 2H 2024
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VENTENY ESG Impact Activities
01 Creation of ESG Committee &
ESG Ambassador
VENTENY is committed to upholding
sustainability in its business operations
focusing on Better Environment and
Equal Opportunities.
Partnership with Plastic Bank
Indonesia for waste reduction
02
06 03 Digitalization and
MSME Development Program environmentally friendly
business processes.
Woman Empowerment and
Green Business Funding
05 04 Increasing Employee Welfare through
VENTENY Employee Super App
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Our Future Path – Expansion Plan
VENTENY’s Nationwide Expansion Plan
Palembang
Jakarta
Surabaya
Bandar Lampung
Head Office : Jakarta Representative Office Expansion
Rep. Offices: Lampung, Surabaya, Plan 2024:
Palembang Potential: Central Java, Bali or South
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
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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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PT LAMPUNG BERKAH
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PT VENTENY MATAHARI PERANGKAT INDONESIA
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VENTENY PTE LTD
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PT MARECO
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Bank Danamon Partnership
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Bank Mayapada
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Bank Indonesia
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