PT Bank Danamon Indonesia Tbk Class A · IDX:BDMN

PT Bank Danamon Indonesia Tbk Class A — FY2023 Earnings Presentation

21 slides from PT Bank Danamon Indonesia Tbk Class A's earnings presentation, Feb 19, 2024

  1. Slide 1: Investor & Analyst Briefing FY2023 Financial Results

    PT Bank Danamon Indonesia Tbk Investor & Analyst Briefing FY2023 Financial Results Jakarta, 19 February 2024

  2. Slide 2: Table of Content

    Table of Content Strategy Highlights Financial Highlights

  3. Slide 3: Continuous Development in Digital Banking: Enabling our Customers

    Strategy Highlights 2023 Journey Continuous Development in Digital Banking: Enabling our Customers D-Bank PRO for our Individual Customer Danamon Cash Connect for our Business Customer # of # of Trx # of # of Trx User Trx Value User Trx Value 117% YoY 28% YoY 38% YoY 10% YoY 4% YoY 8% YoY Self Admin

  4. Slide 4: Next Generation Branch Concept: Refining our Customers' Experience

    Strategy Highlights 2023 Journey Next Generation Branch Concept: Refining our Customers’ Experience Encouraging Progresses from the Piloting* – Expand Relationships with Customers and Communities Funding Loan # of New-to-Bank (CASA & TD) Disburse 5% YoY 24% YoY 23% YoY 11% YoY * Results from 5 Pilot

  5. Slide 5: Group Collaboration & Synergy: Reaching the Ecosystem of our Customers

    Strategy Highlights 2023 Journey Group Collaboration & Synergy: Reaching the Ecosystem of our Customers Danamon x MUFG Danamon x Adira Finance Automotive Ecosystem x[ + ] Number of Deals* Synergy Loan (Rp tn) CASA Opening for Adira Customers x (YoY) Partnership Program +254% +219% 781K 580 21.68 +11

  6. Slide 6: Leverage our Group Capabilities in Indonesia and Globally

    Strategy Highlights 2024-2026 Direction Leverage our Group Capabilities in Indonesia and Globally A Strong Banking & …with Local and …and a Global Multifinance Group… Digital Presence Connection Banking # of Branch Network >1,100 Combined outlets # of Cash Point >400 locations in Japan, >30K ATMs 2)

  7. Slide 7: Grow as a Financial Group, Dominant in Targeted Ecosystems

    Strategy Highlights 2024-2026 Direction Grow as a Financial Group, Dominant in Targeted Ecosystems 2024 – 2026 Strategic Direction “Grow as a Financial Group” Double-digit growth in lending & funding with sustainable profitability Business Aspiration Engines Adira Finance EB&FI SME Consumer & Group

  8. Slide 8: Table of Content

    Table of Content Strategy Highlights Financial Highlights

  9. Slide 9: Record High in Loan Backed by Healthy Asset Quality

    Financial Highlights Executive Summary Record High in Loan Backed by Healthy Asset Quality • Total Loan and Trade Finance reached Rp 174.9 trillion, an increase of 19% YoY. Strong • Consumer Loan grew 41% YoY supported by focus on Japanese ecosystems and Growth in completion of Standard Chartered po

  10. Slide 10: Double Digit Growth in Loan and Funding

    Financial Highlights Balance Sheet Double Digit Growth in Loan and Funding In Rp bn Dec-22 Dec-23 YoY Mar-23 Jun-23 Sep-23 Dec-23 QoQ Total Assets 197,730 221,305 12% 203,516 203,935 208,277 221,305 6% Total Loan Portfolio and Trade 146,719 174,882 19% 151,816 161,033 166,183 174,882 5% Finance1) Go

  11. Slide 11: YoY Net Profit Growth Driven by Higher Operating Income

    Financial Highlights Income Statement YoY Net Profit Growth Driven by Higher Operating Income In Rp bn FY22 FY23 YoY 1Q23 2Q23 3Q23 4Q23 QoQ Net Interest Income 14,118 15,212 8% 3,715 3,725 3,857 3,916 2% Non Interest Income 2,819 2,991 6% 679 652 687 974 42% Operating Income 16,937 18,203 7% 4,393

  12. Slide 12: Stable Margin and Well-maintained Asset Quality

    Financial Highlights Key Financial Ratioa Stable Margin and Well-maintained Asset Quality In % FY22 FY23 YoY 1Q23 2Q23 3Q23 4Q23 QoQ NIM 8.0 8.2 0.2 8.4 8.1 8.1 8.0 -0.1 CoC 2.4 2.4 0.0 2.5 2.6 2.0 2.4 0.4 Risk-adjusted NIM 5.6 5.8 0.2 5.9 5.5 6.1 5.6 -0.5 Cost to Income 54.4 54.7 0.3 54.9 56.4 54.3

  13. Slide 13: Stable Liquidity Supported by Growth in Granular Funding

    Financial Highlights Funding & Liquidity Stable Liquidity Supported by Growth in Granular Funding RIM & LDR (%) LCR & NSFR (%) RIM LDR LCR NSFR 100.5 101.0 152.5 151.9 97.3 146.3 142.7 94.7 131.8 92.1 99.5 100.1 96.6 93.7 130.5 91.0 125.7 122.5 122.1 120.9 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Dec-22 M

  14. Slide 14: Strong Capital Structure as Foundation for Growth

    Financial Highlights Capital & Risk Charges Strong Capital Structure as Foundation for Growth Capital Adequacy Ratio (%) Market and Operational Risk Charges (%) 25.3 26.2 26.3 26.3 25.3 % Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Bank Only CAR w/ 33.4 31.5 31.0 31.0 29.8 Credit Risk 26.3 28.5 28.2 28.4 27.

  15. Slide 15: Record High in Loan Supported by All Business Engines

    Financial Highlights Loan Portfolio Record High in Loan Supported by All Business Engines Composition of Loan Portfolio & Trade Finance1) (Rp tn) Growth of Loan Portfolio & Trade Finance1) (Rp bn) Rp bn Dec-22 Dec-23 YoY Sep-23 QoQ 174.9  EB2) & FI 68,707 78,844 15% 75,633 4% Wholesale Business 166

  16. Slide 16: Loan is Well Diversified Across Economic Sectors

    Financial Highlights Loan Portfolio Loan is Well Diversified Across Economic Sectors Loans by Sector (% of total loans) Loans by Purpose* FY22 FY23 24.3 22.4 21.1 21.7 21.0 20.6 25.4% 19.6 23.3% 18.0 62.3% 57.1% 11.5 14.4% 10.7 17.5% Dec-22 4.9 4.2 Dec-23 Trading Household Manufacturing Financial Ag

  17. Slide 17: Above Industry Growth for ADMF New Financing

    Financial Highlights Adira Finance Above Industry Growth for ADMF New Financing ADMF Units New Financing Growth vs. Industry ADMF New Financing Amount (in Rp bn) Industry 2W ADMF 2W 2W 4W Others 44.7 +31% 38.1 42.5 41,595 1.5 3.2 42.8 22.6 34.3 31,698 37% 35% -10.9 -8.0 42% 44% 21% 21% FY22 FY23 FY2

  18. Slide 18: Stable NIM Trend and 6% YoY growth in Non-Interest Income

    Financial Highlights Operating Income Stable NIM Trend and 6% YoY growth in Non-Interest Income Net Interest Income (Rp bn) Non-Interest Income 5.50 5.75 5.75 5.75 6.00 8.2 8.4 8.1 8.1 8.0 17.4% 45.6% 20.3% 41.6% 3,857 3,916 3,630 3,715 3,725 FY22: Rp2,819 billion FY23: Rp2,991 billion 6% YoY 37.0%

  19. Slide 19: NPL ratio continue to improve, combined with strong NPL Coverage Ratio

    Financial Highlights Asset Quality NPL ratio continue to improve, combined with strong NPL Coverage Ratio 2.6 2.4 2.3 2.3 2.2 NPL and SM Ratio (%) NPL% 7.7 8.1 8.6 8.3 8.0 SM% 16,569 16,499 16,415 14,054 14,939 3,525 3,637 3,521 3,579 3,429 NPL and SM amount 10,476 11,510 13,043 12,863 12,894 NPL (R

  20. Slide 20: Loan at Risk Ratio Continues to Decline

    Financial Highlights Asset Quality Loan at Risk Ratio Continues to Decline 2.4 2.5 2.5 2.4 2.4 YTD CoC as % of avg loan Cost of Credit 3,301 3,687 (% of Avg Loans 2,684 28% and Rp bn) 44% 1,887 26% 894 36% BDI 56% 74% 72% 60% 40% 64% ADMF FY22 1Q23 1H23 9M23 FY23 12.6% 12.7% 12.9% 12.3% 11.6% LAR as

  21. Slide 21: Thank You

    THANK YOU Investor Relations PT Bank Danamon Indonesia, Tbk Menara Bank Danamon, 21st Floor Jl. H.R. Rasuna Said Kav. C-10 Setiabudi - Kuningan, Jakarta Selatan 12940 Phone: +62 21 8064 5000 Email: investor.relations@danamon.co.id

PT Bank Danamon Indonesia — FY2023 Earnings Presentation on 6ix