Pt Bank Danamon Indonesia Tbk Class A · IDX:BDMN
Pt Bank Danamon Indonesia Tbk Class A — FY2024 Earnings Presentation
24 slides from Pt Bank Danamon Indonesia Tbk Class A's earnings presentation, Feb 18, 2025
Slide 1: Investor & Analyst Briefing FY24 Financial Results
PT Bank Danamon Indonesia Tbk Investor & Analyst Briefing FY24 Financial Results Jakarta, 18 February 2025
Slide 2: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 3: Macroeconomic and Industry Update
Strategy Highlights Industry Update Macroeconomic and Industry Update GDP growth is stable at 5%, driven by increased Fed Rate peaked at 5.50% in 2024. While gradually lowered, Macroeconomy Macroeconomy consumption spending and continued trade surplus latest projection shows slower Fed Rate cut in 2
Slide 4: Danamon Strategic Overview: FY24 Results
Strategy Highlights Overview Danamon Strategic Overview: FY24 Results * * including Trade Finance & Marketable Securities 4
Slide 5: Focus on Targeted "Ecosystem"
Strategy Highlights Strategic Themes 1 Dominant in Targeted Ecosystems 2 Unique MUFG Proposition 3 Data Analytics & Process Improvement Focus on Targeted “Ecosystem” Automotive Ecosystem – Strengthening synergy loan by expanding the Hajj and Umroh Ecosystem – Expanding customer base and deepen marke
Slide 6: Expand Collaboration & Building New Opportunities
Strategy Highlights Financial Group Expand Collaboration & Building New Opportunities Grow as a Financial Group Synergy Loan, Rp tn Key Highlights – Ecosystem Collaboration Initiatives as a Financial Group in 2024 Collaboration FY24 result +13% Branch Collaboration Fintech 24.5 Employee Benefit Prog
Slide 7: Continuous Improvement in Foundation Building
Strategy Highlights Foundation Building Continuous Improvement in Foundation Building D-Bank PRO – Improve customer engagement & experience Branch Network – Continuously invest in new branch concept across the through new features regions and conduct Community Events to deepen customer engagement #
Slide 8: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 9: Executive Summary: Sustainable Growth with Healthy Asset Quality
Financial Highlights Executive Summary Sustainable Growth with Healthy Asset Quality Sustainable Loan Growth Adequate Liquidity & Funding Growth Total Loan and Trade Total Third-Party Deposits Wholesale Business Consumer Business Granular Funding (Rp tn)* Finance (Rp tn) (Rp tn) Loans (Rp tn) Loans
Slide 10: Robust Asset Growth
Financial Highlights Balance Sheet Robust Asset Growth InRp In Rpbn bn Dec-23 Dec-22 Dec-24 Dec-23 YoY Mar-24 Mar-23 Jun-24 Jun-23 Sep-24 Sep-23 Dec-24 Dec-23 QoQ QoQ Total Assets 221,305 242,335 10% 226,562 231,916 240,384 242,335 1% Total Loan Portfolio and Trade Finance1) 174,882 189,380 8% 179,7
Slide 11: Steady YoY Growth of Operating Income
Financial Highlights Income Statement Steady YoY Growth of Operating Income InRp In Rpbn bn FY23 FY22 FY24 FY23 YoY 1Q24 1Q23 2Q24 2Q23 3Q24 3Q23 4Q24 4Q23 QoQ QoQ Net Interest Income 15,212 15,587 2% 3,913 3,892 3,861 3,920 2% Non Interest Income 2,991 3,318 11% 826 801 893 797 -11% Operating Incom
Slide 12: Asset Quality Remains Healthy
Financial Highlights Key Financial Ratio Asset Quality Remains Healthy In % In % FY22 FY23 FY23 FY24 YoY YoY 1Q23 1Q24 2Q23 2Q24 3Q23 3Q24 4Q23 4Q24 QoQ QoQ NIM 8.2 7.3 -0.9 7.7 7.4 7.1 7.1 0.0 CoC 2.4 2.5 0.1 2.8 2.8 2.1 2.2 0.1 Risk-adjusted NIM 5.8 4.8 -1.0 4.9 4.6 5.0 4.9 -0.1 Cost to Income 54.
Slide 13: Growth in Granular Funding and Strong Capital
Financial Highlights Funding, Liquidity & Capital Growth in Granular Funding and Strong Capital Strong Focus on Granular Funding* (Rp tn) LCR, NSFR & LDR (%) 91.6 93.0 93.6 146.8 144.8 86.8 87.6 142.2 11% 11% 11% 137.0 13% 12% 131.8 41% 41% 39% 44% 44% 120.9 118.7 118.1 119.4 120.2 43% 45% 48% 48% 5
Slide 14: Double Digit Growth in EBFI, SME and Consumer Loan Portfolio
Financial Highlights Loan Portfolio Double Digit Growth in EBFI, SME and Consumer Loan Portfolio Composition of Loan Portfolio & Trade Finance1) (Rp tn) Growth of Loan Portfolio & Trade Finance1) (Rp bn) 183.9 186.5 189.4 Rp bn Dec-23 Dec-24 YoY Sep-24 QoQ 174.9 179.7 EB2) & FI 78,844 87,072 10% 8
Slide 15: Lower Auto Loans Offset by Growth in Non-Auto Loans
Financial Highlights Adira Finance Lower Auto Loans Offset by Growth in Non-Auto Loans Units New Financing Growth vs. Industry (% YoY) New Financing Amount (Rp bn) 2-Wheelers (2W) Lower New Financing in line with the Weakening Automotive Sector and Challenging Economic Condition 44.7 40.3 -12% 1.5 -
Slide 16: Operating Income Growth with Higher Portion of Non-Interest Income
Financial Highlights Operating Income Operating Income Growth with Higher Portion of Non-Interest Income Revenue Composition (Rp bn) Non-Interest Income (Rp bn) 11% YoY Growth in Non-Interest Income mainly driven by Credit related Fees in line with increase in Loan Balance and Treasury related non-i
Slide 17: Prudent Asset Quality Management
Financial Highlights Asset Quality Prudent Asset Quality Management NPL & SM: Ratio (%) & Amount (Rp bn) NPL Coverage Ratio (%) & NPL Amount (Rp bn) 2.2 2.2 2.2 265.9 261.8 263.2 272.3 287.2 2.0 1.9 8.0 8.4 8.5 8.2 3,521 3,671 3,686 3,491 7.5 3,281 855 859 817 801 805 16,415 17,706 18,329 17,708 16,
Slide 18: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 19: Danamon at Glance
Danamon at Glance Company Overview Proven Established on 16 July 1956 Track Record ~ 68 Years of Operations 92.47% Public 7.53% Stable Fitch Ratings : BBB Credit Ratings Pefindo : idAAA Robust Bank Only : Rp 37.8 Tn PT Bank Danamon Indonesia Tbk (BDMN) Capitalization Consolidated : Rp 48.1 Tn ~ 865
Slide 20: Member of Board of Commissioners
Member of Board of Commissioners Yasushi Itagaki Halim Alamsyah Nobuya Kawasaki President Commissioner Vice President Commissioner (Independent) Commissioner Dan Harsono Peter Benyamin Stok Hedy Maria Helena Lapian Commissioner Independent Commissioner Independent Commissioner 20
Slide 21: Member of Board of Directors
Member of Board of Directors Daisuke Ejima Honggo Widjojo Kangmasto Hafid Hadeli President Director Vice President Director Vice President Director Herry Hykmanto Rita Mirasari Dadi Budiana Syariah Director Compliance Director Risk Management Director Muljono Tjandra Thomas Sudarma Jin Yoshida Finan
Slide 22: Highlighted Events in FY24 (1Q-2Q)
Highlighted Events in FY24 1Q24 2Q24 Automotive Ecosystem Automotive Ecosystem Official Partner of International Indonesia Motor Show Official Partner of International Indonesia Motor Show (IIMS) BUSINESS COLLABORATION & (IIMS) 2024, in collaboration with Adira Finance and Surabaya 2024, in collabor
Slide 23: Highlighted Events in FY24 (3Q-4Q)
Highlighted Events in FY24 3Q24 4Q24 DXPO Jakarta & Makasar Business Matching Fair 2024 As part of Danamon's 68th Anniversary celebration, The Business Matching Fair is an annual event designed to connect Danamon proudly presents DXPO 2024 in Jakarta and Danamon customers with MUFG customers in Asia
Slide 24: 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
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