Pt Bank Danamon Indonesia Tbk Class A · IDX:BDMN
Pt Bank Danamon Indonesia Tbk Class A — H1 2024 Earnings Presentation
23 slides from Pt Bank Danamon Indonesia Tbk Class A's earnings presentation, Jul 30, 2024
Slide 1: Investor & Analyst Briefing 1H24 Financial Results
PT Bank Danamon Indonesia Tbk Investor & Analyst Briefing 1H24 Financial Results Jakarta, 30 July 2024
Slide 2: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 3: Macroeconomy and Industry Update
Strategy Highlights Industry Update Macroeconomy and Industry Update Inflation back below 3%, amidst higher interest rate Macroeconomy Indonesia has seen stable GDP growth since 2021 Macroeconomy environment since end of 2022 Real GDP Growth (% YoY) Inflation and BI Rate (%) BI Rate Inflation 7.1% 6
Slide 4: Danamon Strategic Overview: 1H24 Results
Strategy Highlights Overview Danamon Strategic Overview: 1H24 Results 4 4
Slide 5: Strategic Themes: Targeted Ecosystems, MUFG Proposition, Data Analytics
Strategy Highlights Strategic Themes 1 Dominant in Targeted Ecosystems 2 Unique MUFG Proposition 3 Data Analytics & Process Improvement Focus on targeted “Ecosystem” Automotive Ecosystem Hajj and Umroh Ecosystem Business Synergy Loan Disbursement (Rp bn) x # of Travel Companies Funding Balance FX In
Slide 6: Expanding synergy and building new opportunities
Strategy Highlights Financial Synergy Expanding synergy and building new opportunities Grow as a Financial Group • Danamon continues expanding its strategic synergy, by venturing beyond its banking capabilities (stand-alone basis). • In addition to the traditional cross-selling within core banking b
Slide 7: Continue to invest in building our foundation
Strategy Highlights Foundation Building Continue to invest in building our foundation D-Bank PRO for our Individual Customers Branch Network as Physical Presence for our Customer # of # of Trx Funding Loan New to User Trx Value (CASA & TD) Disburse Bank 5% YoY 22% YoY 24% YoY 9% YoY 12% YoY 104% YoY
Slide 8: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 9: Executive Summary: Maintained Double-Digit Growth in Loan and Funding
Financial Highlights Executive Summary Maintained Double-Digit Growth Trend in Loan and Funding Strong Growth in All 4 Business Engines Robust Liquidity & Funding Growth Total Loan and Trade Total Third-Party Deposits Wholesale Business Consumer Business Granular Funding (Rp tn)* Finance (Rp tn) (Rp
Slide 10: Robust Assets Growth
Financial Highlights Balance Sheet Robust Assets Growth In Rp In Rpbn bn Jun-23 Dec-22 Jun-24 Dec-23 YoY Sep-23 Mar-23 Dec-23 Jun-23 Mar-24 Sep-23 Jun-24 Dec-23 QoQ QoQ Total Assets 203,934 231,916 14% 208,277 221,305 226,562 231,916 2% Total Loan Portfolio and Trade Finance1) 161,033 183,852 14% 16
Slide 11: Higher YoY Operating Income and PPOP
Financial Highlights Income Statement Higher YoY Operating Income and PPOP InRp In Rpbn bn 1H23 FY22 1H24 FY23 YoY 3Q23 1Q23 4Q23 2Q23 1Q24 3Q23 2Q24 4Q23 QoQ QoQ Net Interest Income 7,439 7,819 5% 3,857 3,916 3,917 3,902 0% Non Interest Income 1,331 1,613 21% 687 974 822 792 -4% Operating Income 8,
Slide 12: High NPL Coverage Coupled by Steady Asset Quality
Financial Highlights Key Financial Ratio High NPL Coverage Coupled by Steady Asset Quality In % In % FY22 1H23 FY23 1H24 YoY YoY 1Q23 3Q23 2Q23 4Q23 3Q23 1Q24 4Q23 2Q24 QoQ QoQ NIM 8.3 7.6 -0.7 8.1 8.0 7.7 7.4 -0.3 CoC 2.5 2.8 0.3 2.0 2.4 2.8 2.8 0.0 Risk-adjusted NIM 5.7 4.8 -0.9 6.1 5.6 4.9 4.6 -0
Slide 13: Growing Granular Funding while Capital Structure Remains Robust
Financial Highlights Funding, Liquidity & Capital Growing Granular Funding while Capital Structure Remains Robust Strong Focus on Granular Funding* (Rp tn) LCR, NSFR & LDR (%) +10% 146.3 142.7 142.2 91.6 137.0 83.5 86.8 87.6 131.8 83.0 13% 12% 11% 10% 9% 44% 44% 41% 122.5 53% 49% 122.1 120.9 118.7 1
Slide 14: Loan Growth in All Business Engines
Financial Highlights Loan Portfolio Loan Growth in All 4 Business Engines with Well Diversified Distribution Across Sectors Composition of Loan Portfolio & Trade Finance1) (Rp tn) Growth of Loan Portfolio & Trade Finance1) (Rp bn) 179.7 183.9 Rp bn Jun-23 Jun-24 YoY Mar-24 QoQ 174.9 161.0 166.2 EB
Slide 15: Adira Finance: Prudently Expanding the New Financing
Financial Highlights Adira Finance Prudently Expanding the New Financing amidst Weakening Industry and Demand Units New Financing Growth vs. Industry (% YoY) New Financing Amount (Rp bn) 2-Wheelers (2W) -2% 38.9 42.8 40.3 20,411 20,046 -3.5 2.2 38.2 42.5 2W 19.4 37% 38% 4W -1.2 -1.8 MPL Others 42% 4
Slide 16: Non-Interest Income Growth resulted in Higher Operating Income
Financial Highlights Operating Income Non-Interest Income Growth resulted in Higher Operating Income Revenue Composition (Rp bn) Non-Interest Income (Rp bn) 21% YoY Growth in Non-Interest Income mainly driven by credit related fees, in line with increase in loan balance 8.3 7.6 +21% 1,613 1,331 +8%
Slide 17: Solid NPL Coverage Ratio while Asset Quality Remained Steady
Financial Highlights Asset Quality Solid NPL Coverage Ratio while Asset Quality Remained Steady NPL & SM: Ratio (%) & Amount (Rp bn) NPL Coverage Ratio (%) & NPL Amount (Rp bn) 2.3 2.3 2.2 2.2 2.2 259.9 252.7 265.9 261.8 263.2 8.6 8.3 8.0 8.4 8.5 3,525 3,637 3,521 3,671 3,686 814 842 855 859 817 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 36.2 Tn PT Bank Danamon Indonesia Tbk (BDMN) Capitalization Consolidated : Rp 46.1 Tn ~ 836
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* Fina
Slide 22: Highlighted Events in 1H24
Highlighted Events in 1H24 1Q24 2Q24 Automotive Ecosystem Official Partner of International Indonesia IIMS Jakarta 2024 Motor Show (IIMS) Surabaya 2024, in 15 – 25 February 2024 collaboration with Adira Finance and support from MUFG | 24 May - 2 June 2024 BUSINESS COLLABORATION Danamon X BPJS Ketena
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
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