An Introduction to:

The Product & People

Revenue is vanity....margin is sanity....cash is king - Steve Jobs

We believe that in times of turmoil

HEALTHY TWC & Debt to Earning Ratios = KING

We believe we are the future of what is the current “debt collection” industry.

A industry which is … Frowned Upon, Out-dated & if hired

wrongly, can be detrimental to the brand, demoralizing to the people & destructive to your company. In an industry, where there is little science, principles and fixed standards.

We believe that our technological solutions coupled

with our expertise in risk management, we will be able to partner you to “nurse back to health”, your debt to capital ratios & TWC.

Let’s Dig in & see the difference.

Operating Principles Transparent Partnership & Honest Collaboration Net: We will make IT infrastructural & HR investments in your business. We are hoping we will be your Agency on Roster & NOT ad-hoc.

Long-Term Partnership Remuneration Net: Longer you work with us, the less it costs you.

Performance-based Payment Net: If we don’t improve your cash in-flow, NO PAYMENT to us.

Economies of Scale Net: If you give us a larger quantity of dockets (Value & Volume) , we are happy to share our efficiencies as cost savings to you.

Offerings

Risk Analytics & Measurement

Real-Time Docket Reporting System.

Investigative Partnerships

Support Services

Risk Minimization

Debt Recovery

Legal

24-Hour Call-Center Support

Risk Analytics & Measurements

Real-Time Docket Reporting System.

Vertically-Integrated Partnerships

•  You will be able to access Real-Time Update on any project issued to us via Mobile / Web as it happens.

•  Our IT infrastructure taps on cloud computing with our staff (Risk Analysts & Debt Recovery Team) updating it as the job goes along.

•  As we believe in delivering End to En d service, we have an eco-system of Partnerships (Financial Institutions, Law Firms, Financial Counselors), which we will leverage on any potential debtors, to ensure prompt payment to your organization.

Operational Services

Risk Minimization

Debt Recovery

•  Our qualified group of risk analysis will provide free financial background checks on your debtors, to share the projected recovery period.

Expert Legal

24-Hour Call-Center Support

•  As we are cautious of your brand image, debt recovery is done by professionally trained physically-challenged individuals , who have high proven track-records.

•  With our clients spanning in multiple-countries, our call-center support operates 24/7, 365.

•  Ensuring you will always be heard and serviced, no matter what.

•  Our in-house Legal Aid, is legally able to assist you in processing necessary paper-work and issuing legally-enforceable documentation.

Clients who have embraced our philosophy

Shipping Automobile Education

Property Advertising

Case Study 1: Background:

HKS Garage R is one of Singapore’s largest Car enthusiast B2B & B2C retailer. Occupying a 25,000 sq ft facility in Tagore industrial avenue, it’s 2011 annual revenue was SGD 30 Million. There is a total of 500,000 transactions annually with a supplier list of 3000+.

Challenge As the company is rapidly expanding with an ever increasing list of B2B partners and an alarming fact that 20% of B2B partners have at least 10% transactions which was late payment by >120 days – TWC was in danger.

Solution We worked with the finance department of Garage R to do 3 things co-currently. 1)  Debt recovery of >120 days payment. – 65% collection rate within 3Months & 70% within 6

months.

2)  Pre-warning to repeat B2B partners, of which we renegotiated payment terms from 45days to 30days for repeat offenders.

3)  Set up an accreditation system of B2B partners, this allowed us to model the predictive “exposed risk” to Garage R’s TWC.

http://www.hks-garager.com.sg/

•  “Working with Asia Risk Management has been a fantastic experience. Their understanding of risk, collection and them harnessing the power of technology - has revitalized Garage R’s cash flow. I highly recommend them to any company, who is looking for the future in debt collection agencies.”

Lester Wong, CEO HKS Garage R

http://www.hks-garager.com.sg/

Case Study 2: Background: •  Engtek was established in 1974 to serve the marine service and supply industry. Thoughtful

diligence won the confidence of their customers. With customer support the company ventured into offshore and land-based industries. Over the years, Engtek has entered the construction, technology and environmental sectors, as well as managed several businesses in healthcare, sports and entertainment.

Challenge As the Engtek group had a decentralized approach to managing it’s subsidiaries and a huge list of suppliers 2000+ and B2B partners 500+. Engtek group needed to ensure that aside from centralizing it’s finance team, they were required to have an in-depth analysis of TWC within the group.

Solution We worked with the finance department of ENGTEK to do 2 things co-currently. 1) Set up a cloud computing system, which helps to complement ENGTEK’s existing IT backend.

What resulted was a real-time reporting of the TWC and Debt-to-capital ratio across the consortium and an analysis of the Risk towards the collection.

2)Collected back 75% of all >120 days of outstanding debt throughout the list for 500+ global

B2B partners within 3 months.

http://www.engtek.com.sg/

•  “Partnering with Asia Risk Management has reaped it’s rewards. They are more then just a debt collection agency, they were able to add value by personalizing a solution just for my firm. ENGTEK group’s finance is healthier thanks to our collaboration.”

Trond Hon, CTO ENGTEK Group

http://www.engtek.com.sg/

Work together means: Transparent Partnership & Honest Collaboration Net: We will make IT infrastructural & HR investments in your business. We are hoping we will be your Agency on Roster & NOT ad-hoc.

Long-Term Partnership Remuneration Net: Longer you work with us, the less it costs you.

Performance-based Payment Net: If we don’t improve your cash in-flow, NO PAYMENT to us.

Economies of Scale Net: If you give us a larger quantity of dockets (Value & Volume) , we are happy to share our efficiencies as cost savings to you.

CONTACT Jack Tan – Chief Operating Officer Email: jack.tan@arm.com.sg HP: 9874 4886

To find out more about how Asia Risk Management can transform your business: