Asia Risk Management is a pioneer in a new form of Risk Management for Companies seeking to improve their TWC & Debt to Capital Ratios.

1. An Introduction to:
The Product & People

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

3. We believe that in times of turmoil

4. HEALTHY TWC & Debt to Earning Ratios = KING

5. 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.

6. 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.

7. Offerings
Risk Analytics & Support Services
Measurement
Risk Minimization
Real-Time Docket
Reporting System.
Investigative Debt Recovery
Partnerships
Legal
24-Hour Call-Center
Support

8. Risk Analytics & Measurements
Real-Time Docket Reporting System.
• 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.
Vertically-Integrated Partnerships
• 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.

9. Operational Services
Risk Minimization Expert Legal
• Our qualified group of risk analysis will provide • Our in-house Legal Aid, is legally able to
free financial background checks on your assist you in processing necessary paper-
debtors, to share the projected recovery period. work and issuing legally-enforceable
documentation.
Debt Recovery 24-Hour Call-Center Support
• As we are cautious of your brand image, debt • With our clients spanning in multiple-
recovery is done by professionally trained countries, our call-center support operates
physically-challenged individuals , who have 24/7, 365.
high proven track-records. • Ensuring you will always be heard and
serviced, no matter what.

10. Clients who have embraced our philosophy
Shipping Automobile Education
Property Advertising

11. Case Study 1: http://www.hks-garager.com.sg/
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.

12. • “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/

13. Case Study 2: http://www.engtek.com.sg/
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.

14. • “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/

15. 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.

16. To find out more about how
Asia Risk Management can transform your business:
CONTACT
Jack Tan – Chief Operating Officer
Email: jack.tan@arm.com.sg
HP: 9874 4886