Investor Presentaiton
Massive opportunity for Sharia banking in Indonesia clear from large
and increased customer demand and government support
Sharia banking is an underserved and underpenetrated
segment
Addressable market (# of
people)
Share of Sharia (% of
banking asset)
Increased consumer appetite for Sharia-compliant
products in Indonesia
Top 3 factors in considering new bank relationship in Indonesia (1)
>200 mn
6%
Trust in the institution
2
Sharia compliance
3
Product feature
80+% of retail consumers
with high levels of retention
using Sharia-based
use-cases across travel
(Umrah, Hajj), healthcare &
donation (zakat)
Existing offering of Sharia
financial services subpar to
conventional banks
0000
Strong growth for Sharia-branded products in other
verticals with strong Gov support
Food
Fashion
Beauty
Wardah
Cosmetic
Government
HALAL
ESI
Halal certification
is now the "default
norm" for F&B
shops
1. Customer survey with sample across various age group (18-24, 25-34, 35-54) and income levels (mass, upper-mass, affluent), - based on 922 respondents
4
Hijab is now a
fashion trend
movement
Local halal
cosmetic brands
competing with
international brands
Priority on gov agenda
through the Sharia econ
masterplan
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