Pt Bank Danamon Indonesia Tbk Class A · IDX:BDMN
Pt Bank Danamon Indonesia Tbk Class A — 9M25 Earnings Presentation
22 slides from Pt Bank Danamon Indonesia Tbk Class A's earnings presentation, Oct 30, 2025
Slide 1: Investor & Analyst Briefing 9M25 Financial Results
PT Bank Danamon Indonesia Tbk Investor & Analyst Briefing 9M25 Financial Results Jakarta, 30 October 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 to remain steady at 5.0% in 3Q25; Manufacturing PMI Further BI-Rate cut to 4.75% in Sep-25 to boost domestic growth, Macroeconomy return above 50 Macroeconomy causing BI-Rate spread with The Fed to enter a historic low
Slide 4: Danamon Strategic Overview: 9M25 Results
Strategy Highlights Overview Danamon Strategic Overview: 9M25 Results Sustainable profitability driven by steady business growth and healthy credit quality * *Total CASA and Time Deposits 4
Slide 5: Focus Areas to Sustain Business Growth
Strategy Highlights Strategic Initiatives Focus Areas to Sustain Business Growth A STRATEGIC THEMES B FOUNDATION FOR FINANCIAL GROUP Automotive Ecosystem Financial Conglomeration (FC) Auto Retail Financing Synergy X Adira Finance & Mandala Finance Merger: (KPM Prima, IDR Tn) Effective legal day of 1
Slide 6: Continuous Investment in Foundation Building
Strategy Highlights Strategic Initiatives Continuous Investment in Foundation Building C CORE BUSINESS & FOUNDATION BUILDING D-Bank PRO – Improve Customer Journey and Experience Branding – Launch Unique Customer Loyalty Programs # of # of Transaction “Semarak Nusantara” “Top It Up - Osaka & Engaged
Slide 7: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 8: Executive Summary: Strong Liquidity, Asset Quality and Profitability
Financial Highlights Executive Summary Strong Liquidity, Asset Quality and Profitability Sustainable Lending* Growth Ample Liquidity & Funding Growth Total Lending Wholesale Lending Retail Lending Funding* Granular Funding (Rp tn)* (Rp tn) (Rp tn) (Rp tn) (Rp tn) +5% +14% +4% +8% +1% 186.5 196.2 170
Slide 9: Sustained Growth Trend in Lending and Funding
Financial Highlights Balance Sheet Sustained Growth Trend in Lending and Funding InRp In Rpbn bn Sep-24 Dec-22 Sep-25 Dec-23 YoY Dec-24 Mar-23 Mar-25 Jun-23 Jun-25 Sep-23 Sep-25 Dec-23 QoQ QoQ Total Assets 240,384 259,510 8% 242,335 250,795 251,548 259,510 3% Total Lending1) 186,519 196,196 5% 189,3
Slide 10: Double-digit Growth in Profitability
Financial Highlights Income Statement Double-digit Growth in Profitability InRp In Rpbn bn 9M24 FY22 9M25 FY23 YoY 4Q24 1Q23 1Q25 2Q23 2Q25 3Q23 3Q25 4Q23 QoQ QoQ Net Interest Income 11,666 11,674 0% 3,920 3,856 3,885 3,933 1% Non Interest Income 2,520 2,711 8% 797 815 836 1,061 27% Operating Income
Slide 11: Improvement in Earning Ratios with Well-Managed Asset Quality
Financial Highlights Key Financial Ratio Improvement in Earning Ratios with Well-Managed Asset Quality In In % % FY22 9M24 FY23 9M25 YoY 1Q23 4Q24 2Q23 1Q25 3Q23 2Q25 4Q23 3Q25 QoQ QoQ NIM 7.4 6.9 -0.5 7.1 7.1 6.9 6.8 -0.1 CoC 2.6 2.0 -0.6 2.2 2.3 2.0 1.6 -0.4 Risk-adjusted NIM 4.8 4.9 0.1 4.9 4.8 4
Slide 12: Stable Granular Funding with Solid Capital Structure
Financial Highlights Funding, Liquidity & Capital Stable Granular Funding with Solid Capital Structure Granular Strong Focus FundingFunding* on Granular * (Rp tn) (Rp tn) LCR, NSFR & LDR (%) +4% 146.8 145.7 144.8 143.0 93.0 93.6 93.1 93.1 97.1 127.6 11% 11% 10% 11% 10% 41% 39% 41% 42% 41% 122.5 123.
Slide 13: Well Diversified Loan Portfolio
Financial Highlights Loan Portfolio Well Diversified Loan Portfolio Lending Growth1) (Rp bn) Lending Composition1) (Rp tn) Rp bn Sep-24 Jun-25 Sep-25 QoQ YoY 189.4 192.7 195.7 196.2 186.5 EB2) & FI 85,261 93,491 92,771 -1% 9% Wholesale Lending 46% 46% 47% 48% 47% SME 24,546 26,184 26,004 -1% 6%
Slide 14: Prudence in New Loans Disbursement
Financial Highlights Adira Finance Prudence in New Loans Disbursement Adira’s Units New Loans Growth vs. Industry (% YoY) Adira’s New Loans Amount (Rp bn) 2-Wheelers (2W) Being more prudent in disbursing new financing in order to maintain healthy asset quality 58.9 -5% 3.1 1.5 -2.1 -1.7 2W 27,812 26
Slide 15: Strong YoY Growth in Non-Interest Income Contributes to Higher Operating Income
Financial Highlights Operating Income Strong YoY Growth in Non-Interest Income Contributes to Higher Operating Income Operating Income (Rp bn) Non-Interest Income (Rp bn) Non-Interest Income growth mainly driven by the increase in 7.4 Treasury related non-interest income. 6.9 +8% 2,520 2,712 +1% +51
Slide 16: Healthy Asset Quality Combined with Strong NPL Coverage Ratio
Financial Highlights Asset Quality Healthy Asset Quality Combined with Strong NPL Coverage Ratio NPL & SM: Ratio (%) & Amount (Rp bn) NPL Coverage Ratio (%) & NPL Amount (Rp bn) 2.0 272.3 287.2 283.3 279.2 274.9 1.9 1.9 1.8 1.8 8.2 3,491 3,281 3,306 3,355 3,329 7.5 7.4 7.0 6.2 801 805 842 820 831 17
Slide 17: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 18: Danamon at Glance
Danamon at Glance Company Overview Proven Established on 16 July 1956 Track Record ~ 69 Years of Operations 92.47% Public 7.53% Stable Fitch Ratings : BBB Credit Ratings Pefindo : idAAA Robust Bank Only : Rp 40.7 Tn PT Bank Danamon Indonesia Tbk (BDMN) Capitalization Consolidated : Rp 51.0 Tn ~ 884
Slide 19: 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 19
Slide 20: 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 Dire
Slide 21: Highlighted Events in 3Q25
Highlighted Events in 3Q25 BUSINESS COLLABORATION & PARTNERSHIP Danamon Receives OJK Approval to Act as Operational Collaboration between Danamon Syariah and Financial Holding Company (FHC) of MUFG in Indonesia Muhammadiyah Central Leadership Through its role as Operational FHC, Danamon intends to s
Slide 22: 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 — 9M25 Earnings Presentation on 6ix