Pt Bank Danamon Indonesia Tbk Class A · IDX:BDMN
Pt Bank Danamon Indonesia Tbk Class A — 9M24 Earnings Presentation
23 slides from Pt Bank Danamon Indonesia Tbk Class A's earnings presentation, Oct 30, 2024
Slide 1: Investor & Analyst Briefing 9M24 Financial Results
PT Bank Danamon Indonesia Tbk Investor & Analyst Briefing 9M24 Financial Results Jakarta, 30 October 2024
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 Stable GDP growth, driven by increased downstream Macroeconomy BI Rate has room to decrease with inflation under control, Macroeconomy development and Government consumption spending though external pressure pose challenges Real G
Slide 4: Danamon Strategic Overview: 9M24 Results
Strategy Highlights Overview Danamon Strategic Overview: 9M24 Results 4
Slide 5: Strategic Themes: Targeted Ecosystems
Strategy Highlights Strategic Themes 1 Dominant in Targeted Ecosystems 2 Unique MUFG Proposition 3 Data Analytics & Process Improvement Focus on Targeted “Ecosystem” Automotive Ecosystem – Synergy loan continues to grow with Hajj and Umroh Ecosystem – Early traction to support travels collaborative
Slide 6: Expanding Synergy and Building New Opportunities
Strategy Highlights Financial Group Expanding Synergy and Building New Opportunities Grow as a Financial Group Synergy Loan, Rp bn Joint Events as One Financial Group in Indonesia Partner Banks Collaboration in ASEAN +34% and others… 26,637 • Danamon, Adira Finance, MUFG, Home Credit Indonesia and Z
Slide 7: Continuous Improvement in Foundation Building
Strategy Highlights Foundation Building Continuous Improvement in Foundation Building Branding – Danamon celebrates the 68th Anniversary, held DXPO in Branch Network – Continuously invest in new branch concept across the Jakarta & Makassar and launched simplified logo regions to deepen customer and
Slide 8: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 9: Executive Summary
Financial Highlights Executive Summary Consistent Loan Growth Across Lines of Business supported by Ample Liquidity Strong Growth in All 4 Business Engines Adequate Liquidity & Funding Growth Total Loan and Trade Total Third-Party Deposits Wholesale Business Consumer Business Granular Funding (Rp tn
Slide 10: Double Digit Growth in Lending & Funding Resulted in Robust Asset Growth
Financial Highlights Balance Sheet Double Digit Growth in Lending & Funding Resulted in Robust Asset Growth InRp In Rpbn bn Sep-23 Dec-22 Sep-24 Dec-23 YoY Dec-23 Mar-23 Mar-24 Jun-23 Jun-24 Sep-23 Sep-24 Dec-23 QoQ QoQ Total Assets 208,277 240,384 15% 221,305 226,562 231,916 240,384 4% Total Loan P
Slide 11: Steady YoY Growth of Operating Income and PPOP
Financial Highlights Income Statement Steady YoY Growth of Operating Income and PPOP InRp In Rpbn bn 9M23 FY22 9M24 FY23 YoY 4Q23 1Q23 1Q24 2Q23 2Q24 3Q23 3Q24 4Q23 QoQ QoQ Net Interest Income 11,297 11,700 4% 3,916 3,917 3,902 3,881 -1% Non Interest Income 2,017 2,487 23% 974 822 792 874 10% Operat
Slide 12: Continuous Improvement in Asset Quality
Financial Highlights Key Financial Ratio Continuous Improvement in Asset Quality In % In % FY22 9M23 FY23 9M24 YoY YoY 1Q23 4Q23 2Q23 1Q24 3Q23 2Q24 4Q23 3Q24 QoQ QoQ NIM 8.2 7.4 -0.8 8.0 7.7 7.4 7.1 -0.3 CoC 2.4 2.6 0.2 2.4 2.8 2.8 2.1 -0.7 Risk-adjusted NIM 5.8 4.8 -1.0 5.6 4.9 4.6 4.3 -0.3 Cost t
Slide 13: Stable Granular Funding with Solid Capital Structure
Financial Highlights Funding, Liquidity & Capital Stable Granular Funding with Solid Capital Structure Strong Focus on Granular Funding* (Rp tn) LCR, NSFR & LDR (%) +11% 146.8 142.7 142.2 93.0 137.0 86.8 87.6 91.6 131.8 83.5 13% 12% 11% 11% 9% 44% 44% 41% 41% 49% 122.1 120.9 118.7 118.1 119.4 43% 45
Slide 14: Well Diversified Loan Portfolio
Financial Highlights Loan Portfolio Well Diversified Loan Portfolio Composition of Loan Portfolio & Trade Finance1) (Rp tn) Growth of Loan Portfolio & Trade Finance1) (Rp bn) 179.7 183.9 186.5 Rp bn Sep-23 Sep-24 YoY Jun-24 QoQ 174.9 166.2 EB2) & FI 75,633 85,261 13% 82,699 3% Wholesale Business 4
Slide 15: Adira Finance: Steady Growth Despite Prudent New Financing
Financial Highlights Adira Finance Steady Growth Despite Prudent New Financing Units New Financing Growth vs. Industry (% YoY) New Financing Amount (Rp bn) 2-Wheelers (2W) Being more prudent in disbursing new financing in order to maintain healthy asset quality and in line with lower industry demand
Slide 16: 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 Revenue Composition (Rp bn) Non-Interest Income (Rp bn) 23% YoY Growth in Non-Interest Income mainly driven by Credit related Fees in line with increase in Loan Balance and Treasury
Slide 17: Improved Asset Quality along with Manageable Cost of Credit
Financial Highlights Asset Quality Improved Asset Quality along with Manageable Cost of Credit NPL & SM: Ratio (%) & Amount (Rp bn) NPL Coverage Ratio (%) & NPL Amount (Rp bn) 2.3 2.2 2.2 2.2 252.7 265.9 261.8 263.2 272.3 2.0 8.3 8.0 8.4 8.5 8.2 3,637 3,521 3,671 3,686 3,491 842 855 859 817 801 16,4
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 37.3 Tn PT Bank Danamon Indonesia Tbk (BDMN) Capitalization Consolidated : Rp 47.5 Tn ~ 844
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 9M24
Highlighted Events in 9M24 1Q24 2Q24 3Q24 BUSINESS COLLABORATION & DXPO Jakarta & Makasar IIMS IIMS 18-21 Jul 2024 | 22-25 Aug 2024 Jakarta 2024 Surabaya 2024 15–25 Feb 2024 24 May-2 Jun 2024 PARTNERSHIP As part of Danamon's 68th Anniversary celebration, Danamon proudly presents DXPO 2024 in Jakarta
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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