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Company Overview
PT. Bank Amar Indonesia (“Bank”), formerly known as PT. Anglomas International Bank, was established
in 1991 at Surabaya. Bank renamed to PT. Bank Amar Indonesia in 2014 and assemble a strong
management team with proper educational background and cumulative experiences in multi-industries to
spark creativity in daily business operations.
Bank is in BUKU I category, commercial bank with core capital below IDR 1 trillion ≥, but Bank has credible
and clean operations. Currently, 99% of Bank shares is owned by Tolaram Group, a leading multinational
company, based in Singapore, with a diversified portfolio of business globally.
Bank focusses in small retail and SMEs target market, in which lending and funding products are
developed and designed to tap those segments. So far, Amar Bank has 3 branches and 1 sub-branch in
Jakarta and Surabaya.
Competitive Advantages
❑ Strong capital structure which is reflected in CAR ratio, provides an enough space and capacity for
Bank to expand its business. It also indicates Bank will grow significantly in third-party funds to boost
the loan book growth.
❑ Bank has obtained approval from OJK for “System-based Lending”, which is in “Tunaiku” online
lending product.
❑ Current Bank size and the clean track record of Bank operations give benefit to scale-up and expand
its future plan.
❑ As current CAR ratio is still high (more than 40%) and most of Bank’s operations are still on current
equity base book, it stimulates the exponential growth of third parties funds for minimum of 8 times of
equity balance.
Tunaiku is an online retail lending platform, a catalyst that merging bank and financial technology.
Launched in 2014, Tunaiku uses Big Data + Predictive Analytics in doing a credit assessment of an
applicant that it will yield the result whether the loan is rejected or approved in up to 24 hours. The
technology is constantly improved to always keep up with the bank’s development.
Tunaiku – Characteristics
❑ Eligible for those whose age of 21-65 years old, with a LOAN SIZE INTEREST RATE
minimum IDR 1 million income per month. IDR 2.000.000 – 3% Flat / month
20.000.000
❑ No credit card required and no additional fee for early
payment.
Receive Pay
Apply Online Sign Contract Receive Fund
Notification Installment
✓ Simple and Easy ✓ Automated system ✓ Convenient and ✓ Fast and ✓ Flexible Payment
✓ < 15 minutes to for rejection and enjoyable immediate Channels
complete approval: Automated experiences pay-out to ● Bank Account
checking of criteria, ✓ Minimize documents applicant
✓ Online application Direct Debit
through: double application requested: after ✓ Fund is
●
Portfolio of Companies :
FMCG Textiles
Paper
Bank has successfully doubled (even more) the loan book and deposits. Bank is now
working on to leverage its core competencies to raise more deposits from market, which can
be seen from the growth of deposits balance from IDR 358 billion to IDR 1,09 trillion in the
last twelve months.
The figure above shows that Bank has also doubled (even more) 2017 annual profit as per
December 2018.
CAR NIM NPL LDR BOPO
(Capital (Net (Non-Performi (Loan-to-Dep (Ops.
Adequacy Interest ng osit Expense to
Ratio) Margin) Loan) Ratio) Ops. Income)
43.39% 17.92% -0.61% 149,21% 96.03%
Bank’s CAR ratio (43.39%) is higher than the regulatory requirement which states that Bank
need to maintain minimum at 10%. Minimum capital adequacy ratio is used to protect
depositors and promote the stability and efficiency of financial systems, also to ensure banks
have enough cushion to absorb a reasonable amount of losses before they become insolvent
and consequently lose depositors’ funds.
With high CAR position, Bank is considered safe and likely to meet its financial obligations. By
December 2018, Bank generates attractive NIM percentage of 17.92%, more than two times
higher than average banking industry NIM. In addition, the level of NPL is maintained at a
prudent level.
Contact Address :
Jl. Basuki Rahmad No. 109
Surabaya 60271
Telp (031) 99015959
Fax (031) 9901595
www.amarbank.co.id
Email :
David Wirawan : david.wirawan@amarbank.co.id
Dhiyas S. Saparyadi : dhiyas.saparyadi@amarbank.co.id
Ocktylla Reredy : ocktylla.reredy@amarbank.co.id