PT Bank Danamon Indonesia Tbk Class A · IDX:BDMN
PT Bank Danamon Indonesia Tbk Class A — FY2021 Earnings Presentation
17 slides from PT Bank Danamon Indonesia Tbk Class A's earnings presentation, Feb 16, 2022
Slide 1: PT Bank Danamon Indonesia Tbk Analyst Briefing FY-2021
PT Bank Danamon Indonesia Tbk Analyst Briefing FY - 2021 Jakarta, 16 February 2022
Slide 2: Table of Content
Table of Content MUFG Collaboration & Digital Highlights Update FY21 Financial Highlights 1
Slide 3: MUFG Collaboration and Digital Banking Highlights
MUFG Collaboration and Digital Banking Highlights MUFG Collaboration: Realizing Synergy Loan and CASA Growth Number of Deals* Synergy Loan Balance (Rp bn) Synergy CASA Balance (Rp bn) +179% Corporate Loan +174% +144% 293 11,856 4,010 Onboard A Leading 2,780 Dealer Finance Auto-parts Company 164 6,80
Slide 4: Table of Content
Table of Content MUFG Collaboration & Digital Highlights Update FY21 Financial Highlights 3
Slide 5: Profit growth of 56% and record high NPL Coverage Ratio
Profit growth of 56% and record high NPL Coverage Ratio • Green shoots of growth recovery is evident. Total loans have started to grow again in Q4’21 Prudent Loan supported by Enterprise Banking, ADMF and mortgages. Selection • EB portfolio grew 6% YoY and reached Rp58tn, supported by collaboration
Slide 6: FY-2021 Balance Sheet Highlights
FY-2021 Balance Sheet Highlights In Rp billion FY20 FY21 YoY 1Q21 2Q21 3Q21 4Q21 QoQ Total Assets 200,890 192,240 -4% 193,993 193,751 188,280 192,240 2% Total Loan Portfolio and Trade 135,786 130,502 -4% 132,407 131,434 129,511 130,502 1% Finance1) Total Loan Portfolio and Trade Finance excl. ADMF a
Slide 7: FY-2021 Income Statement
FY-2021 Income Statement In Rp billion FY20 FY21 YoY 1Q21 2Q21 3Q21 4Q21 QoQ Net Interest Income1) 13,645 13,705 0% 3,316 3,500 3,416 3,473 2% Non Interest Income 3,322 3,160 -5% 659 691 604 1,205 100% Operating Income 16,961 16,864 -1% 3,975 4,191 4,020 4,678 16% Operating Expenses (8,237) (8,600)
Slide 8: FY-2021 Key Financial Ratios
FY-2021 Key Financial Ratios In % FY20 FY21 YoY 1Q21 2Q21 3Q21 4Q21 QoQ NIM1) 7.5 7.7 0.2 7.3 7.8 7.8 7.9 0.1 CoC 4.8 4.4 -0.4 3.6 4.3 3.6 6.3 2.7 Risk-adjusted NIM 2.7 3.3 0.6 3.7 3.5 4.2 1.6 -2.5 Cost to Income 48.5 51.0 2.5 51.6 51.3 53.9 47.7 -6.2 CASA Ratio 52.3 59.1 6.8 54.7 56.3 57.6 59.1 1.5
Slide 9: Granular funding through digital and institutional approach
Granular funding through digital and institutional approach RIM & LDR (%) LCR & NSFR (%) RIM LDR LCR NSFR 195.7 199.9 89.1 188.0 189.7 187.0 86.6 86.7 86.0 85.0 87.8 140.6 140.7 85.3 85.5 84.6 84.0 143.7 140.8 139.7 4Q20 1Q21 2Q21 3Q21 4Q21 4Q20 1Q21 2Q21 3Q21 4Q21 CASA , TD & CASA Ratio – Improved
Slide 10: Strong capital as foundation for growth
Strong capital as foundation for growth Capital Adequacy Ratio (%) Market and Operational Risk Charges (%) 25.6 26.2 26.5 26.6 26.4 % 4Q20 1Q21 2Q21 3Q21 4Q21 Bank Only CAR w/ Credit 32.3 33.4 34.0 34.3 34.8 Risk 25.0 25.7 26.1 26.4 26.7 0.8 0.8 0.9 0.8 0.9 Market Risk -0.3 -0.3 -0.4 -0.3 -0.3 Tier
Slide 11: Quarterly loan growth supported by EB, ADMF and Mortgage
Quarterly loan growth supported by EB, ADMF and Mortgage Composition of Loan Portfolio & Trade Finance1) (Rp tn) Growth of Loan Portfolio & Trade Finance1) (Rp bn) 135.8 Rp bn FY20 FY21 YoY QoQ 132.4 131.4 129.5 130.5 Enterprise Banking2) & FI 54,773 58,177 6% 1% SME 24,407 20,682 -15% 0% Cons
Slide 12: Loans composition remained stable and dominated by working capital loans
Loans composition remained stable and dominated by working capital loans Loans by Sector (% of total loans) Loans by Purpose 4Q20 4Q21 28.3 14.3% 25.1 13.7% 21.9 19.5 18.5 18.5 Outer chart: 4Q21 22.7% 14.2 Inner chart: 4Q20 62.8% 23.5% 13.0 11.8 10.9 63.1% 6.2 5.0 Trading Household Manufacturing Fin
Slide 13: ADMF regaining market share and growth trajectory
ADMF regaining market share and growth trajectory ADMF units New Financing vs. Industry ADMF Loan Disbursement Amount (in Rp bn) (% YoY growth based on cumulative YTD) 2W 4W Others Industry 2W 36.1 +47% +26% ADMF 2W 29.9 7,874 37.3 6,404 6,236 5,351 5,407 40% -17.7 13.7 43% 42% 45% 44% -43.4 -43.5 4
Slide 14: Strong quarterly fee income growth
Strong quarterly fee income growth Non-Interest Income (Rp bn) Revenue Composition 1Q21 2Q21 3Q21 4Q21 47.1 51.6 51.3 53.9 47.7 1,206 4,678 4,143 3,975 4,191 4,020 +179% 659 691 542 604 74% +141% 82% 84% 430 83% 85% 377 313 260 253 234 170 194 146 144 97 26% 18% 17% 16% 15% Credit Rel. Non Credit Re
Slide 15: High NPL Coverage coupled by improving asset quality
High NPL Coverage coupled by improving asset quality 11.3 10.5 11.0 9.8 9.3 NPL and SM % of Total Loans SM% 3.3 3.1 3.0 NPL% 2.7 2.8 18,010 17,204 17,304 15,650 14,733 3,678 4,195 3,783 NPL and SM 3,799 3,396 amount 14,332 13,009 13,521 11,851 11,337 NPL (Rp bn) SM 4Q20 1Q21 2Q21 3Q21 4Q21 208.7 225
Slide 16: COVID Restructured Loans and Loan at Risk continued to trend down
COVID Restructured Loans and Loan at Risk continued to trend down 4.7 3.6 3.9 3.8 4.4 YTD CoC as % of avg loan Cost of Credit 2,357 (% of Avg 2,027 Loans and Rp 62% 1,158 1,371 1,143 BDI ADMF 68% bn) 41% 50% 44% 38% 59% 50% 56% 32% 4Q20 1Q21 2Q21 3Q21 4Q21 24.1% -1.1 21.9% -2.8 19.9% 18.8% LAR as %
Slide 17: THANK YOU
THANK YOU Investor Relations PT Bank Danamon Indonesia, Tbk Menara Bank Danamon, 16th 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 — FY2021 Earnings Presentation on 6ix