Pt Bank Danamon Indonesia Tbk Class A · IDX:BDMN
Pt Bank Danamon Indonesia Tbk Class A — Q1 2025 Earnings Presentation
23 slides from Pt Bank Danamon Indonesia Tbk Class A's earnings presentation, Apr 29, 2025
Slide 1: Investor & Analyst Briefing 1Q25 Financial Results
PT Bank Danamon Indonesia Tbk Investor & Analyst Briefing 1Q25 Financial Results Jakarta, 29 April 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 forecasted to slightly soften in 2025, due to global No changes in the FFR Projection, but the market anticipates 3 Fed rate Macroeconomy trade uncertainty and weaker external demand Macroeconomy cuts in 2025, driven
Slide 4: Danamon Strategic Overview: 1Q25 Results
Strategy Highlights Overview Danamon Strategic Overview: 1Q25 Results YoY lending continues to grow with better CoC, while softer NPAT due to slowdown in automotive market. 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 – Business collaboration result driven by Hajj and Umroh Ecosystem – Deepen customer engagement and growth in retai
Slide 6: Expand Collaboration with our Financial Group
Strategy Highlights Financial Group Expand Collaboration with our Financial Group Grow as a Financial Group Synergy Loan, Rp tn Financial Group Collaboration: Introducing the “Co-base Concept Branch” +18% 27.3 INDONESIA 23.1 Delivering holistic group solutions at the “Co-Base Concept” branches (Jaka
Slide 7: Continuous improvement in Foundation Building
Strategy Highlights Foundation Building Continuous improvement in Foundation Building D-Bank PRO – Launch new low-cost service for foreign currency Branch Network – Continuously invest in new branch concept across the transfer to increase customer’s transaction convience Indonesia and conduct Commun
Slide 8: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 9: Continued Lending and Funding Growth with Healthy Asset Quality
Financial Highlights Executive Summary Continued Lending and Funding Growth with Healthy Asset Quality Sustainable Lending* Growth Adequate Liquidity & Funding Growth Total Lending Total Third-Party Deposits Wholesale Lending Retail Lending Granular Funding (Rp tn)* (Rp tn) (Rp tn) (Rp tn) (Rp tn) +
Slide 10: Double Digit Asset Growth Driven by Higher Lending and Funding Balances
Financial Highlights Balance Sheet Double Digit Asset Growth Driven by Higher Lending and Funding Balances InRp In Rpbn bn Mar-24 Dec-22 Mar-25 Dec-23 YoY Jun-24 Mar-23 Sep-24 Jun-23 Dec-24 Sep-23 Mar-25 Dec-23 QoQ QoQ Total Assets 226,562 250,795 11% 231,916 240,384 242,335 250,795 3% Total Lending
Slide 11: Lower Demand in Auto Loan Impacted Revenue, CoC Improved YoY
Financial Highlights Income Statement While Lower Demand in Auto Loan Impacted Revenue, CoC Improved YoY by Double Digit InRp In Rpbn bn 1Q24 FY22 1Q25 FY23 YoY 2Q24 1Q23 3Q24 2Q23 4Q24 3Q23 1Q25 4Q23 QoQ QoQ Net Interest Income 3,913 3,856 -1% 3,892 3,861 3,920 3,856 -2% Non Interest Income 826 815
Slide 12: Well-Maintained Asset Quality
Financial Highlights Key Financial Ratio Well-Maintained Asset Quality In % In % FY22 1Q24 FY23 1Q25 YoY YoY 1Q23 2Q24 2Q23 3Q24 3Q23 4Q24 4Q23 1Q25 QoQ QoQ NIM 7.7 7.1 -0.6 7.4 7.1 7.1 7.1 0.0 CoC 2.8 2.3 -0.5 2.8 2.1 2.2 2.3 0.1 Risk-adjusted NIM 4.9 4.8 -0.1 4.6 5.0 4.9 4.8 -0.1 Cost to Income 52
Slide 13: Steady Granular Funding Growth Trend with Robust Capital Structure
Financial Highlights Funding, Liquidity & Capital Steady Granular Funding Growth Trend with Robust Capital Structure Granular Strong Focus Funding*Funding* on Granular (Rp tn) (Rp tn) LCR, NSFR & LDR (%) +6% 146.8 142.2 144.8 143.0 137.0 87.6 91.6 93.0 93.6 93.1 12% 11% 11% 11% 10% 44% 41% 41% 39% 4
Slide 14: Continuous Lending Growth in EBFI, SME and Consumer Banking
Financial Highlights Loan Portfolio Continuous Lending Growth in EBFI, SME and Consumer Banking Segments Lending Composition1) (Rp tn) Lending Growth1) (Rp bn) 183.9 186.5 189.4 192.7 Rp bn Mar-24 Mar-25 YoY Dec-24 QoQ 179.7 EB2) & FI 80,247 91,098 14% 87,072 5% Wholesale Lending 45% 45% 46% 46% 4
Slide 15: Adira Finance: Prudence in New Loans Disbursement
Financial Highlights Adira Finance Prudence in New Loans Disbursement Units New Loans Growth vs. Industry (% YoY) New Loans Amount (Rp bn) Although the automotive industry has started to recover compared to last year, 2-Wheelers (2W) Adira Finance remains being prudent in disbursing new financing in
Slide 16: Maintained Stable Operating Income Streams
Financial Highlights Operating Income Maintained Stable Operating Income Streams Operating Income (Rp bn) Non-Interest Income (Rp bn) Non-Interest Income composition remains dominated by credit related fee 7.7 7.1 822 815 -1% +23% 386 378 4,739 4,671 272 230 207 168 Credit Rel. Non Credit Rel. Treas
Slide 17: Healthy Asset Quality With Solid NPL Coverage
Financial Highlights Asset Quality Healthy Asset Quality With Solid NPL Coverage NPL & SM: Ratio (%) & Amount (Rp bn) NPL Coverage Ratio (%) & NPL Amount (Rp bn) 2.2 2.2 261.8 263.2 272.3 287.2 283.3 2.0 1.9 1.9 8.4 8.5 8.2 3,671 3,686 3,491 7.5 7.4 3,281 3,306 859 817 801 805 842 17,706 18,329 17,7
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 38.2 Tn PT Bank Danamon Indonesia Tbk (BDMN) Capitalization Consolidated : Rp 48.0 Tn ~ 870
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 President Director Vice President Director Herry Hykmanto Rita Mirasari Dadi Budiana Syariah Director Compliance Director Risk Management Director Thomas Sudarma Jin Yoshida Yenny Siswanto* EBFI Director Global Alliance Strategy Dir
Slide 22: Highlighted Events in 1Q25
Highlighted Events in 1Q25 BUSINESS COLLABORATION & PARTNERSHIP International Indonesia Motor Show (IIMS) 2025 American Express® Gold Card In collaboration with Adira Finance and support from Collaborate with American Express®, Danamon MUFG, for the fourth time, Danamon became official reintroduce t
Slide 23: 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 — Q1 2025 Earnings Presentation on 6ix