Grab's Super-App Is Working, But the Market Isn't Fully Pricing It In

What we drew from this source

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• The loan portfolio generates healthy risk-adjusted returns above the cost of capital

  80% confidence

• 90% of new bank customers for GXBank in Malaysia were acquired at essentially zero cost through the Grab app's existing user base

  80% confidence

• Management proactively adjusted deposit rates to manage funding costs in line with market rates

  80% confidence

• 90-day non-performing loans are within risk appetite

  80% confidence

• Approximately one-third of customers accessing Grab's credit products were previously unable to obtain credit due to a lack of a credit bureau record

  80% confidence

• Multi-service users spend 4x more and transact twice as often as single-service users

  80% confidence

• The Indonesian government is backing the potential M&A between Grab and GoTo

  80% confidence

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