PT Bank Danamon Indonesia Tbk Class A · IDX:BDMN

PT Bank Danamon Indonesia Tbk Class A — FY2015 Earnings Presentation

22 slides from PT Bank Danamon Indonesia Tbk Class A's earnings presentation, Mar 3, 2016

  1. Slide 1: Analyst Briefing Full Year 2015 Financial Results

    Analyst Briefing Full Year 2015 Financial Results Jakarta, 3 March 2016 Slide 0 Untuk Anda, Bisa

  2. Slide 2: Agenda

    Agenda • Financial Results • 3-Year Strategy Overview • Regulations Update Slide 1 Untuk Anda, Bisa

  3. Slide 3: Full Year 2015 Highlights: NIM and CIR continued to show quarterly improvements

    Full Year 2015 Highlights: NIM and CIR continued to show quarterly improvements. • Total loans stood at Rp 129.4 tn. While SME rose 5% YoY to Rp 22.4 tn, Corporate and Commercial loans were relatively flat at Rp 17.7 tn and Rp 16.0 tn, respectively. The growth in SME was offset by the 13% decline in

  4. Slide 4: 2015 Balance Sheet Highlights

    2015 Balance Sheet Highlights In Rp billion 2014 2015 YoY 1Q15 2Q15 3Q15 4Q15 QoQ Total Assets 195,821 188,057 -4% 193,811 200,091 195,012 188,057 -4% Loans (gross) 139,057 129,367 -7% 135,694 136,275 133,615 129,367 -3% Government Bonds 6,605 6,916 5% 7,014 6,382 6,016 6,916 15% Total Funding 145,7

  5. Slide 5: 2015 Income Statement

    2015 Income Statement In Rp billion 2014 2015 YoY 1Q15 2Q15 3Q15 4Q15 QoQ Net Interest Income 13,680 13,648 0% 3,430 3,310 3,453 3,455 0% Fee Income 3,956 3,822 -3% 891 980 919 1,032 12% Operating Income 17,636 17,470 -1% 4,321 4,290 4,372 4,487 3% Operating Expenses 9,821 9,033 -8% 2,304 2,342 2,23

  6. Slide 6: 2015 Key Ratios

    2015 Key Ratios % 2014 2015 YoY 1Q15 2Q15 3Q15 4Q15 QoQ Net Interest Margin 8.4 8.2 -0.2 8.3 7.8 8.3 8.6 0.3 Cost of Credit 2.8 3.8 0.9 3.3 3.5 3.9 4.5 0.6 Cost / Income 55.7 51.7 -4.0 53.3 54.6 51.0 48.0 -3.0 ROAA 1.4 1.2 -0.2 1.4 1.1 1.3 1.1 -0.2 ROAE 8.6 7.4 -1.2 8.6 7.1 8.0 6.1 -1.9 Assets to Ca

  7. Slide 7: LFR stood at 87.5% compared to 92.6% last year

    LFR stood at 87.5% compared to 92.6% last year. LFR* and Ave. Daily LFR (%) – Liquidity has been LFR* (%) by type of banks stable. LFR Ave Daily FY14 2015 FY15 92.6 92.7 91.1 89.6 90.5 97.2 95.6 92.6 87.5 92.7 89.4 92.1 91.7 87.5 90.1 87.5 81.7 83.7 4Q14 1Q15 2Q15 3Q15 4Q15 Top 4 - 9M15 2nd Tier Ex

  8. Slide 8: Adequate capital for growth and Basel III

    Adequate capital for growth and Basel III. RWA / Total Assets Capital Adequacy Ratio (%) RWA BDI Only RWA Consolidated 20.8 19.8 19.6 20.1 18.2 19.1 19.7 18.7 18.5 17.8 68% 70% 68% 69% 68% 85% 86% 84% 85% 84% 4Q14 1Q15 2Q15 3Q15 4Q15 4Q14 1Q15 2Q15 3Q15 4Q15 4Q14 1Q15 2Q15 3Q15 4Q15 Consolidated Ban

  9. Slide 9: Loans amounted to Rp 129 tn; SME growth offset by Mass Market decline

    Loans amounted to Rp 129 tn. The growth in SME was offset by the decline in Mass Market. Loan Composition Loan Growth Rp tn % Rp bn 2014 2015 YoY  Corporate 17,548 17,676 1% 139.1 136.3 135.7 133.6 129.4  Commercial 15,976 15,986 0% 13% 12% 13% 14% 14% 11% 12% 12% 12%  ABF 5,749 3,899 -32% 4% 4%

  10. Slide 10: Mass Market segment was affected by the soft economy

    Mass Market segment was affected by the soft economy. Mass Market Loan (as % to total loans) Mass Market Loan Growth Rp tn 70 67.4 Rp bn 2014 2015 YoY 65.9 63.8 61.2  Adira Finance 51,038 46,592 -9% 37% 36% 36% 36% 36%  DSP 18,967 14,606 -23% 14% 13% 13% 12% 11% Total 70,005 61,199 -13% Note: 4Q1

  11. Slide 11: NPL increased to 3.0% from 2.3% a year ago

    NPL increased to 3.0% from 2.3% a year ago, in line with industry trend. SM improved from prior quarters. Loan Collectibility As % of Total Loans 2.3% 2.5% 2.9% 3.0% 3.0% Non- 9.3% 10.7% 10.6% 10.9% 10.1% Performing 88.4% 86.1% 86.9% Special 86.7% 86.5% Mention Current 4Q14 1Q15 2Q15 3Q15 4Q15 NPL C

  12. Slide 12: Asset quality by sector

    Asset quality by sector BDI Loans by Sector (% of total loans) Industry Loans by Sector (% of total loans) 2014 2015 2014 2015 37.5 34 21.9 19.5 19.5 18 18.7 15.4 15.414.9 9.3 9.0 5.8 6.3 3.1 6.0 4.5 5.0 4.4 4.7 1.7 1.5 1.9 2.0 3.4 3.0 4.5 4.6 4.7 4.4 3.9 3.3 4 4.3 Trading Household Processing Real

  13. Slide 13: Cost of Credit of 4.5% in 4Q15

    Cost of Credit of 4.5% in 4Q15. Quarterly Cost of Credit / Avg. Loans (%) 4.5 3.9 3.5 3.3 2.9 Cost of Credit (Rp bn) 1,425 1,263 1,146 1,091 36% 22% 963 14% 18% 17% 86% 82% 78% 64% 83% 4Q14 1Q15 2Q15 3Q15 4Q15 Mass Market Non Mass Market Slide 12 Untuk Anda, Bisa

  14. Slide 14: Fee Income rose 8% to Rp 1.9 tn dominated by General Insurance

    Fee Income* rose 8% to Rp 1.9 tn dominated by General Insurance. General Insurance (Rp bn) Cash Management (Rp bn) CAGR 8% CAGR 10% 294 Yy 2% 288 826 901 YoY 9% 253 228 664 687 216 618 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 Note : General insurance including investment fees Distribution o

  15. Slide 15: Agenda

    Agenda • Financial Results • 3-Year Strategy Overview • Regulations Update Slide 14 Untuk Anda, Bisa

  16. Slide 16: 3-Year Strategic Direction

    3-Year Strategic Direction Sustainable Growth to Bring Us to Double Digit ROE 1 2 3 4 5 6 SME, Consumer, Transaction Digital Sales and ADMF and Commercial Banking, Technology Human Distribution DSP Banking and Treasury and Capital Network Adira and Sharia Analytics Insurance • DSP • SME: • Transacti

  17. Slide 17: What will be changing at Danamon?

    What will be changing at Danamon? Current situation Impact of transformation Additional 5 engines of growth creating Heavy reliance on 2 engines of growth, more revenue streams and with recently declining performance diversification Businesses lack differentiation from Well defined, better marketed

  18. Slide 18: Agenda

    Agenda • Financial Results • 3-Year Strategy Overview • Regulations Update Slide 17 Untuk Anda, Bisa

  19. Slide 19: OJK Regulation update No. 46/POJK.03/2015 regarding Surcharge for D-SIB

    OJK Regulation update No. 46/POJK.03/2015 regarding change in Surcharge for D-SIB 2016 2017 2018 2019 Minimum CAR based on Risk Profile Rating: • Rating 1 : CAR min 8% • Rating 2 : CAR min 9-<10% No Change • Rating 3 : CAR min 10-<11% • Rating 4 & 5 : CAR min 11-<14% Conservation Buffer 0.625% 1.25%

  20. Slide 20: Liquidity: Internal LCR assessment has met OJK minimum reference for Basel III

    Liquidity: Internal LCR assessment has met OJK minimum reference for Basel III Implementation LCR in Danamon Background • Following a consultative paper that was issued in 2014, OJK issued regulation No.42/POJK.03/2015 in December 2015 on Commercial-Bank Mandatory Liquidity Coverage Ratios. • Basel

  21. Slide 21: Thank You

    Thank You Investor Relations PT Bank Danamon Indonesia, Tbk Menara Bank Danamon, 6th Floor Jl. Prof. Dr. Satrio Kav. E4 No.6 Mega Kuningan, Jakarta 12950 Phone: +62 21 5799 1001-03 Fax: +62 21 5799 1445 Email: investor.relation@danamon.co.id Disclaimer: This report has been prepared by PT Bank Danam

  22. Slide 22: Reconciliation with Newsletter

    Reconciliation with Newsletter Consolidated Statem ents of Incom e and Retained Earnings PT. Bank Danam on Indonesia, Tbk As of Dec 2015 New sletter a b c d e f g h i Net Net Under- Net Sharia Other Other Non Non Incom e Interest w riting Interest Operating Operating Operating Operating before Minor

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