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PUBLIC EXPOSE LIVE JAKARTA, 8 SEPTEMBER 2026
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Disclaimer
This presentation contains forward-looking statements that involve significant risks, uncertainties, and
assumptions. These statements, which typically use words such as "believe," "expect," "anticipate," "intend,"
"plan," "estimate," "may," "will," "should," or similar expressions, reflect our current views regarding future
events and financial performance. These forward-looking statements are not guarantees of future
performance, and actual results could differ materially from those expressed or implied by these statements
due to various factors, including market conditions, regulatory changes, economic fluctuations, and other
operational risks.
This material is provided for informational purposes only and does not constitute an offer to sell, a solicitation
of an offer to buy, or a recommendation to purchase or sell any securities in the Company or any other entity.
No representation or warranty, express or implied, is made as to the fairness, accuracy, completeness, or
correctness of the information or opinions contained herein. This document is confidential and proprietary,
and the information provided is subject to change without notice.
This presentation is not intended for use in any jurisdiction, including the United States, where such
distribution or use would be contrary to local law or regulation, or would require registration or qualification
under applicable securities laws, including the Indonesian Capital Market Law No. 8 of 1995. Recipients of this
information should conduct their own due diligence and consult with professional advisors before making any
investment decisions. Neither the Company, its directors, employees, affiliates, nor any of its advisors shall be
liable for any direct, indirect, or consequential loss arising from any use of or reliance upon this information, or
otherwise arising in connection with this material.
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Contents 1. VENTENY Overview 2. Sustainability at VENTENY 3. Performance Highlights 1H 2026 4. Strategic Initiatives
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SECTION 1
VENTENY
OVERVIEW
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VENTENY Executive Summary
Japan
Strategic 4-country footprint; headquartered in Jakarta
2023
Public listed company in IDX since 2022
ISO 27001:2022 Data Security Certification
P2P Lending License from OJK*
Philippines
Payment Gateway License from BI*
2015
Corporate Rating A- by KRI#
Singapore
2016 Stakeholder-Verified Orange Seal by IIX Global
Note: * through Company’s Entities # For period of March 21, 2025 - April 1, 2026
Indonesia (HQ)
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
PERANGKAT INDONESIA VENTENY PTE LTD VENTENY GK
FINANSIAL MATAHARI 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
6
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 Hosea Sanjaya Dr. Kaleb Solaiman Tri Ismardiko Widyawan
Founder, President Director & Vice President Director & Director & Group CFO Director & Group CTO
Group CEO Group COO
Board of More than 15 years
experience in tech industry
More than 30 years experience
in financial services and
More than 20 years experience
in financial industry
More than 10 years experience
in technology and fintech
Directors automotive industries industry
Katsuya Kitano Prof. Dr. Adler H.
President Commissioner Manurung, S.H.
Board of Independent Commissioner
Commissioners More than 10 years experience
in financial services
More than 40 years experience
in Indonesian Capital Market
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The Challenges Faced by Businesses & Employees
As an ESG based company, VENTENY understands challenges faced by business and employees in this
modern era to help create meaningful social impact and tackle problems faced by them.
CHALLENGES FOR BUSINESS CHALLENGES FOR EMPLOYEES THE SOLUTION
+
VENTENY creates an
ecosystem to solve the
challenges faced by both
business and employee.
All disbursement processes are carried out through authorized financial institutions,
through subsidiaries or other strategic partners, in accordance with applicable regulations.
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How VENTENY Works
BUSINESS ACCELERATION EMPLOYEE SUPER APP
B2B B2B2E
(Business to Business) (Business to Business to Employees)
Business Model
Business & MSMEs Employees
Market Focus
9
Financial Services Employee Empowerment
Bridging the financial gap Facilitating employees needs
Service Type
All disbursement processes are carried out through authorized financial institutions,
through subsidiaries or other strategic partners, in accordance with applicable regulations.
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VENTENY Ecosystem
Business Acceleration + Employee Empowerment in One Ecosystem
VENTENY Group operates as an integrated financial & employee ecosystem platform
across Southeast Asia, combining:
B2B (Business Acceleration) B2B2E (Employee Super App)
Earned Wage Access (EWA)
Invoice Financing Flexible on-demand access to earned salaries
Accelerate cash flow from unpaid invoices
Advanced Wage Access (AWA)
Supply Chain Financing Empowering employees with early wage
Optimize working capital across supplier relief
networks
VENTENY Ownership Program
Property-Based Collateral Exclusive corporate benefit & reward plans
Secure business funding backed by real
estate Payroll Service
Seamless, integrated salary distribution
All disbursement processes are carried out through authorized financial institutions,
through subsidiaries or other strategic partners, in accordance with applicable regulations.
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VENTENY B2B Lending Business
Alternative Financing Solutions to Help Your Business Grow
VENTENY’s B2B model delivers integrated financing solutions designed to support MSMEs and corporates in
optimizing cash flow, scaling operations, and accelerating sustainable business growth across various industries.
Invoice Financing Supply Chain Financing Property-Based Collateral
Fast Cash Low Cost of Capital Longer Terms
With no buyer notification Using buyer credit Flexible (6–12 months)
Recurring Cash Strengthens Supplier Ties Asset Collateral
Ideal for recurring cash needs Improves collaboration Accepts family-owned assets
Flexible Flexible Risk
Flexible, scalable for SMEs
Stabilizes Supply Chain Enables funding for high-risk profiles
Ensures smooth flow
Confidential Open for Idle Asset
Maintains client confidentiality Extends DPO Unlocks value of idle real assets
Improves working capital
All disbursement processes are carried out through authorized financial institutions,
through subsidiaries or other strategic partners, in accordance with applicable regulations.
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VENTENY B2B2E Employee Super App
The 1st & THE LARGEST
Employee Super App in Indonesia
ZERO COST for HR
EXCLUSIVE only for employees of our B2B partner
Multipurpose
Loan
ONE STOP SOLUTION for the needs of employees
Earned Wage Access The LOWEST PRICE* in the market for products offered in super app
Advance Wage Access
Integrated DIGITAL WALLET to support everyday needs
Ownership Program * Dedicated to exclusive users only
4 Core Solutions For a Better Employee Engagement
Employee Financial Financial Health Lifestyle Education
Technology Technology Technology Technology
Empowerment
Powered by VENTENY Super App
All disbursement processes are carried out through authorized financial institutions,
through subsidiaries or other strategic partners, in accordance with applicable regulations.
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Responsible Partnerships to Strengthen the Ecosystem
To empower a growing number of MSMEs and employees across Indonesia, VENTENY is actively
expanding its network of strategic partnerships with reputable, responsible financial institutions and
key business partners.
Bank Danamon Tribunnews Sumsel PERTAMINA Tribunnews Jawa Timur Home Credit Indonesia
MNC Bank Plastic Bank Indonesia Artotel Group SOMPO Bank Mayapada
Trusted By
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SECTION 2
SUSTAINABILITY
AT VENTENY
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VENTENY Sustainability Commitment
VENTENY integrates ESG standards into its operations to drive sustainable growth and support the UN
Sustainable Development Goals (SDGs). “Sustainability Forward” reinforces VENTENY’s long-term
commitment to sustainability, highlighting its proactive and progressive nature and its drive to create
positive change for people, the environment, and its stakeholders.
Environment
The Earth icon represents VENTENY’s dedication to
environmental stewardship, actively working to preserve
ecosystems and protect our natural surroundings.
Community & Employee
The figure icon highlights our commitment to social
responsibility, focusing on the well-being and development
of our employees and community through inclusive and
sustainable practices.
Governance
The circle icon signifies our forward-moving direction,
underpinned by robust corporate governance that serves
as the foundation for ethical and transparent business
operations.
Sustainable Business
The upward arrow reflects our commitment to progressive
growth, driving positive societal impact while ensuring
long-term business sustainability and success.
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VENTENY as a Public Listed Company
Better
Equal Opportunities
Environment
• Energy Efficiency & Emission Reduction • VENTENY Untuk UMKM
• Waste Management Program • MSMEs Development Program
• Minimalizing Plastic Use • Women in Business Empowerment
• Water conservation • Community Relations Program
Key
• Digitalization & environmentally friendly
business processes
Focus
Governance &
Innovation
Area Employee
Well-being
• Fair Business Practices & Partnership • Committed to DEI across our workforce
• Consumer and Data Protection • Employee Benefit Programs
• Strengthen Governance • Employee Development & Career Path
• Foster innovation • Employee Engagement Activities
• Ethical Business Conduct • Occupational Health & Safety
• Transparency
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VENTENY ESG Initiatives
Environmental Social Governance Highlights &
Achievements
Reduce Waste:
Energy & Emissions Equal Opportunity Governance & Transparency
Managing our own waste
management in partnership with
LED office lighting MSMEs Access to Growth Sustainability Policy Daur.id
Funding Implementation
Energy Saving System Reduce Plastic Waste:
MSMEs Development Whistleblowing Policy &
20,000 kg plastic prevented from
Program Platform
polluting oceans in partnership with
Waste Management Women in Business Comprehensive Governance Plastic Bank Indonesia
Empowerment Framework
VENTENY Untuk UMKM:
Minimize Plastic Usage Community Relations
Information Disclosure Providing sustainable support for
Waste Management
Transparency MSMEs through trainings and growth
Program
funding to enhance competitiveness
Reduce, Reuse, Recycle Employee Welfare and accelerate business growth since
All BOC Committees are
Digitalization throughout chaired by independent Program inception in 2023
operations to reduce Committed to DEI across commissioner ISO/IEC 27001:2022
paper use our Workforce Data Protection Data Security
Employee Benefit Certification
Programs Ethical Business Conduct
Water Conservation
Capacity Building Stakeholder-Verified Orange SEAL
Decreasing Water Usage Fair Business Practices &
Career Development by IIX Global:
at the Office Partnerships
VENTENY recognized its
Employee Engagement commitment in
Activities Consumer Protection
promoting gender
Awareness Occupational Health & equality and
ESG Ambassadors Fostering Continuous Digital
Safety climate action
Initiatives Innovation & Transformation
Work-life balance
programs
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VENTENY Impact Activities
EMPLOYEE MSMEs COMMUNITY ENVIRONMENT
ESG Ambassador Program VENTENY Untuk UMKM VENTENY Berbagi Ramadan Waste Management
Training & Career Dev. Woman Empowerment VENTENY Berbagi Donations Reduce, Reuse, Recycle
Employee Engagement MSMEs Development Blood Drive Sponsorship Eco-Friendly Digital Proc.
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Proven Adoption
490++ Corporate Partners
10.000++ MSMEs Partners in Indonesia
310.000++ Exclusive employee members
Almost half of MSME partners are led by
womanpreneurs in 2025
Distributed IDR 6.0 T of growth funding
since operating in Indonesia until Dec 25
CEO as Person 2024 CNBC 2026 JawaPos Digital
Global Fintech Fintech Summit Stakeholder-Verified 2022 CNBC Most
of The Month Most Innovative Platform Excellence Award Top Digital Finovate ASIA Nomination
Conference Finalist Finalist Orange Seal by IIX Global Promising Start-Up
September 2022 for Employee Welfare Application Employee Benefit
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SECTION 3
PERFORMANCE
HIGHLIGHTS 1H2026
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Financial Performance 1H 2026
BALANCE SHEET SUMMARY
Funding
Category 1H 2026 1H 2025 Growth (%) Sources
Assets 1,489 1,295 +7%
bn bn
23%
Liabilities 1,070 1,359 -4%
bn bn
77%
Equity 418 424 +21%
bn bn
(as of Jun 30, 2026)
Data as of 30 Jun 2026
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Financial Performance 1H 2026
FINANCIAL HIGHLIGHTS
Category 1H 2026 1H 2025 GROWTH (%)
REVENUE 105,852mn 104,012mn 1.8%
GROSS PROFIT 36,637mn 35,077mn 4.4%
NET PROFIT 5,483mn 7,338mn -25.3%
Data as of 30 Jun 2026
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Financial Performance 1H 2026
REVENUE BREAKDOWN
01 02 03
B2B B2B2E System
Financial Employee Development
Services Super App
Revenue (IDR) Revenue (IDR) Revenue (IDR)
60.9 56.3 8.1% 44.9 47.7 -5.8% 11.7 0 -
Billion Billion YoY Billion Billion YoY Million Million YoY
1H2026 1H2025 Growth 1H2026 1H2025 Growth 1H2026 1H2025 Growth
Data as of 30 Jun 2026
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SECTION 4
STRATEGIC
INITIATIVES
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Building a Resilient Financial Ecosystem
Driving Profitable Growth Through High-Margin Tech Innovation, Resilient Governance, and
Robust Capital Partnerships.
01 Product & 02 Managing Risk & 03 Partnerships &
Tech Innovation Governance Capital
Pivoting to high-margin B2B and Protecting capital and eliminating Securing cash flow and liquidity
B2B2E solutions via our Employee bad debt through rigid credit to guarantee a confident
Super App (AWA/EWA) and underwriting and strict analysis. financial runway for scalable
integrated payroll services, which We actively minimize overall risk growth. We are forging alliances
drive retention and expand our exposure by pairing fast-turnover with strong funding partners to
proprietary data advantage. We short-term facilities with secure a reliable capital pool for
deliver a complete financial suite collateralized asset-backed lending, expanding our
by balancing agile, fast-turnover products, providing the structural disbursement network for faster
short-term loans with traditional stability needed to fortify a loan delivery, and teaming up
asset-backed solutions that anchor resilient, liquid balance sheet. with key industry players to
our B2B portfolio. accelerate expansion, reach more
clients, and enter new markets.
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THANK YOU
VENTENY Building
Jl. Sultan Agung No. 20, Guntur, Setiabudi
DKI Jakarta, Indonesia 12980
+62 21 30072777
corporate_secretary@venteny.com
investor_relations@venteny.com
www.venteny.com
Names mentioned 13 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT LAMPUNG BERKAH
p.6
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PT VENTENY PERANGKAT INDONESIA
p.6
unresolved
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VENTENY PTE LTD
p.6 ×2
unresolved
org
PT MARECO
p.6
unresolved
person
Dr. Kaleb Solaiman
p.7
unresolved
person
Prof. Dr. Adler H.
p.7
unresolved
person
Manurung
· President Commissioner
p.7 ×2
unresolved
org
Bank Indonesia
p.13 ×2
unresolved
org
Bank Mayapada Trusted By
p.13
unresolved
org
Fair Business Practices & Partners
p.16
unresolved
org
Bank Indonesia Empowerment
p.17
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