Investor Presentaiton
DS
R&C
JCIB
GCB
GCIB
Global Markets
AM/IS
-
Investment in digital finance
Capturing the growth of Asia and collaboration opportunities with PBS through investment in
digital finance operators
Recent investments
Acquisition of Home Credit subsidiaries
(Scheduled for 2023)
HOME
CREDIT
(Indonesia subsidiary,
Philippine subsidiary)
•
•
•
Approx. ¥87bn
Provider of POS loans*1 and other digital lending
for smartphones, electric appliances, and other
purchases
No. 1 share in POS loans*1 in Indonesia and the
Philippines
Investment in Akulaku
(Dec. 2022)
Akulaku
•
Approx. ¥26bn
E-commerce and digital lending services
provider (buy-now-pay-later services,
unsecured loans, etc.) operating mainly in
Indonesia
Establishment of Garuda Fund
Status of our digital coverage in Indonesia
Capturing the growth of digital finance in Asia on multiple
layers, while securing further PB collaboration
opportunities
Through digital technologies, we have expanded into and
gained access to the underbanked *5 and unbanked *6
segments that have been unreachable through the
traditional commercial banking model
Traditional
commercial
banking model
Online
ecosystem
Offline
ecosystem
Bank /
Nonbank
Rides/
Food
Retail,
EC
Malls
etc.
Approx. ¥13bn*2
Upper mass
(Banked*4)
BDI
•
Investment fund established jointly by BK,
MUIP*3, and BDI
•
The aim is to create business synergies
between BDI and Indonesian startups
Adira
Middle mass
(Auto)
Akulaku
Investment in DMI Finance
(Incl. Under-
banked*5)
Grab
Approx. ¥31.7bn
(Apr. 2023)
(Jan. 2023)
MUFG
MUFG Innovation Partners
Danamon
A member of (MUFG, a global financial group
Home
Credit
DMI FINANCE
Digital lender (POS loans*1, unsecured loans) in
India providing loans through Samsung,
Google, and other partners
Unbanked*6
*1 Point of sale loan is an installment loan provided at automobile and household appliance dealerships
*2 JPY equivalent of commitment amount of US$100mm using actual exchange rate as of end Jan 2023
*3 MUFG Innovation Partners *4 Customers whose needs for financial services are sufficiently met
*5 Customers who do not have full access to financial services or whose needs are not met *6 Customers without bank accounts
MUFG 29View entire presentation