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PT MNC Kapital Indonesia Tbk
(Kode Saham: BCAP)
Paparan Publik
Tahun Buku 31 Desember 2023
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INDUSTRY OVERVIEW
Immense Market Opportunity to Serve The Underbanked & Unbanked
~280 Million Indonesia has the
Population 19% Banked
world’s third-largest Full access to financial services
underbanked & 81% Underbanked | Unbanked
unbanked population Has bank account, but insufficient
US$4,783 access to credit, investment and
GDP per Capita insurance | Do not own a bank account
77% Digital Financial Services
Internet Penetration *in USD billion
~ 760 ~ 40 ~ 40
~ 1.0
Projected
+15% CAGR
417 Projected
~80% +50% CAGR Projected
Smartphone Penetration 286 313 Projected +27% CAGR
234 15
+39% CAGR 0.3
7 6 0.2 0.2
4 3 5 0.1
1 2
2021 2022 2023 2025 2030 2021 2022 2023 2025 2030 2021 2022 2023 2025 2030 2021 2022 2023 2025 2030
0.6% Payments (GTV) Wealth (AUM) Lending Loan Book Insurance (APE & GWP)
Lower carbon emission
for every 1% digital • Google, Temasek, Bain, e-Conomy SEA, 2023 • World Economic Forum, 2022 • Central Bureau of Statistics, 2022
financial inclusion • Central Bank of Indonesia, 2022 • Statista, 2022 • We Are Social & Meltwater, 2023 • Multidisciplinary Publishing Institute, 2021
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3 MNC MEDIA ENTERTAINMENT
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4 MNC FINANCIAL SERVICES OVERVIEW
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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 Motion Bank and Credit Card account opening
• MotionPay as preferred source of fund inside KAI Access SuperApp
• in-Apps 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 Motion Bank 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 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 recently proposed bundled services of white-labeling MotionPay, MotionBank, and MNC
Group OTT platform Vision+, as an exclusive payment ecosystems for PLN Mobile
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THE SOLUTION
Main Products
- Savings Account MotionBank is an integrated digital banking App.
- Digital & Virtual Credit Cards Providing end to end banking services and
- Online Time Deposit
- Digital Lending attractive features
Brief Account Details
with optional balance display
Light - easy to use ●
Attractive Features Friendly UI/UX ●
Integration of MotionPay Complete features and products ●
(e-Money, e-Wallet, e-Remittance)
Attractive rewards ●
Sliding Banner for Promotion & Announcement
API integration ●
QRIS Payment and Various Online Transactions
Product development
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MotionTrade by MNC Sekuritas has been
one of the best and well-known online
stock-trading platform since 2016.
THE BEST ONLINE
TRADING APP
NEW FEATURES
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ISO/IEC 27001:2013 Certified
Bank Indonesia No. 21/392/DKSP/Srt/B
INTEGRATED CASHLESS Seamless and Secure Transactions
PAYMENT SOLUTION Seamless customer journey and payment flow for safe
transactions without any hassle
Easy Refunds
Easy and seamless refunds for failed transactions
MotionPay is a digital payment platform
including electronic money, electronic MotionCash
E-money/digital currency (in IDR) that is QRIS-enabled (QR
wallet, and digital transfer. MotionPay Indonesian Standard), for seamless online and offline
serves as the main payment instrument in transactions
MNC Group Ecosystem as well as mass MotionTransfer
products payment. Transfer money to/from MotionPay account and other
Indonesian bank accounts (cash out)
MotionWallet
Balance & MotionPoints Transfer money to/from MotionPay account and other
Indonesian bank accounts (cash out)
Transfer e-money to/from bank account ● MotionPoints
E-Wallet to save debit/credit card ● Redeemable loyalty program and various special offers
MotionBills
Mass Product Segment Payment service for routine bill such as electricity, water,
MotionPay has partnerships with other ● cellular phone, internet and others
mass service providers MotionVoucher
Product Display ●
Numerous digital vouchers, including Food & Beverage
(F&B), fashion, entertainment, lifestyle, etc
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Flash Mobile focus on providing payment gateway services in PAYMENT NETWORKS
Indonesia, with qualified certifications including:
• PCI DSS security certification
CARDS VIRTUAL ACCOUNTS
• Fund Transfer Certification between Banks & eMoney
• 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, e- Merchant’s Flash
payment gateway Wallets, billers Mobile account
Online/offline API API Cash out
transaction communication communication settlement
Customer:
pays via bank, Merchants,
e-Wallet, or biller biller or partner
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DIGITAL LENDING MARKETPLACE
Integration of MotionPay: MotionCredit accommodates retail
• Support MotionPay with Motion Paylater product
• Provide easiness of financing through QRIS
financing trends, fully digital end-to-end
from user acquisition, administration,
and collection, enhancing MNC Leasing
BNPL Financing and MNC Finance’s reach
Seamless financing product through Buy now pay later
scheme for easiness of financing to a broader market.
Collaboration with MNC Finance Discover new experience of financing
• MNC Dana Mobil
Car refinancing through AI-based credit scoring and Friendly UI/UX
easy to use application
•
• MNC Dana Rumah
Complete financial solutions
House refinancing through flexible use of
application Flexible financing option
• MNC Dana Haji
Haji financing with multiple flexible options AI-based credit scoring
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OUR STRATEGY
Why this market?
Maximizing transaction-based income from underserved individuals and SMEs
186million
Low-Mid Income individuals
29% 71%
Funding Transaction Lending Have access to No access to
credit credit
• Competitive interest Credit profiling based on De-risking business
• Lucky draw / Lottery user transactions model by partnering
with P2P Lending to
Promotions (discounts serve both end
and cashback) to boost customers & MSME
Partnering with POS transactions, barter with
65million
Indonesia and retail media value Micro, Small and Medium Enterprises
outlet as Agent Bank (no cash-burning)
30% 70%
Digital lending strategies: No access to
Have access to
credit credit
Partnering with E-commerce digital
reputable P2P lending for both
lending lending to retired merchant (working
Virtual government capital) and buyers
platforms to
Credit Card employees (buy now pay later)
manage risk
Central Bureau of Statistics, 2021 • Ministry of Cooperative and
MSME, 2021 • Central Bank of Indonesia, 2021
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Through
Total Number of Indonesian Migrant Workers MNC Bank
MNC Leasing
3,619,760
0.38%
Indonesian
25.96% Migrant
ASEAN Loan
Workers Departure
Asia excluding ASEAN
50.26%
Middle East
Others
23.40%
Salary
Receive
Remittance of Indonesian Migrant Workers
(Q4 2022 – Q3 2023)
USD 10,519 Million Work
3,680
3,353 3,357 Auto deduct
Make transactions to home Deposit into to pay loan
Anytime Anywhere MotionBank installments
130
ASEAN ASIA EXCLUDING MIDDLE EAST OTHERS
ASEAN
Central Bank of Indonesia, 2023 in million USD
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QR Adoption in Indonesia
Total QRIS Merchants 30+ Million
0%
8% 3% 7%
Public Services
Big
25% Medium Cross-border remittance
Small
Micro Indonesia, Malaysia, India, Pakistan, Philippines, Thailand
57% Donation
Transactions FY-23 USD 15,065 Million Sender Receiver
5,399
What happens behind the scene
3,674
3,301
2,690
1,988 1,964
1,630 Issuer Domestic switching Foreign switching Acquirer
1,030 agent agent
778
378 530
234
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
2021 2022 2023
Central Bank of Indonesia, 2023 in million USD
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WHITE LABELING
FINTECH CO-BRANDING
SOLUTION Why Co-Branding?
Provides co-branding services for partners
• License
who want to create or develop fintech
• Technology
ecosystem. Difficulties such as managing
licenses, permits, and technology can be • Resources
solved by co-branding cooperation.
Powered By: Products
• E-Money
• Top-up, transfers, transactions,
balance checking
• QRIS
• Loyalty points
• Credit card
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16 INVESTMENT HIGHLIGHTS Immense Market Opportunity: Strategic Emphasis on Profitability: of serving unbanked/underbanked with sustainable and low burn rate to a solid digital presence while delivering maximize profitability value to conventional customers New Digital Initiatives: Proven Track Record: accelerating delivery of low-cost, strong inorganic growth and accessible products that fit exceptional management team customers’ needs Full Suite of Licenses under Building Superior Understanding One Holding Company: of Our Customers with exceptional ability to acquire through solid digital ecosystem within new financial services licenses MNC Asia Holding
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in million Rupiah FY-2023 FY-2022
Profit or Loss
Revenues 2.954.296 2.849.448
Interest and dividends income
Capital market income
1.874.772
301.367
1.670.327
370.378
FY-2023
Net premium income 348.847 328.455 FINANCIAL HIGHLIGHTS
Digital income 326.893 290.617
Sharia financing lease income 27.380 15.345
Other operating income 75.037 174.326
Income Before Tax 156.615 278.079
Net income 77.585 148.008
Total net income attributable to :
- Owners of the company 55.928 136.374
- Non-controlling interests 21.657 11.634
Total comprehensive income (loss)
for the period (12.688) 160.929
Total comprehensive income (loss)
attributable to :
- Owners of the company (33.620) 152.538
- Non-controlling interests 20.932 8.391
Earnings per share (in full Rupiah) 1,31 3,20
in million Rupiah FY-2023 FY-2022
Financial Position
Total assets 25.863.812 24.306.227
Total liabilities 18.860.818 18.105.414
Total equity 7.002.994 6.200.813
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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 5 people and organisations named in the text · linked when the evidence is strong
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Bank Indonesia
p.9
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Ministry of Cooperative
p.12
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Bank MNC Leasing
p.13
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