PT Bank Danamon Indonesia Tbk Class A · IDX:BDMN

PT Bank Danamon Indonesia Tbk Class A — H1 2020 Earnings Presentation

19 slides from PT Bank Danamon Indonesia Tbk Class A's earnings presentation, Jul 30, 2020

  1. Slide 1: PT Bank Danamon Indonesia Tbk Analyst Briefing 1H-2020

    PT Bank Danamon Indonesia Tbk Analyst Briefing 1H-2020 Jakarta, 30 July 2020 PT Bank Danamon Indonesia Tbk terdaftar dan diawasi oleh OJK

  2. Slide 2: Table of Contents

    Table of Contents 2020 Company’s Update 1H20 Financial Highlights 1

  3. Slide 3: Synergy with MUFG – 1 Year Anniversary

    Synergy with MUFG – 1 Year Anniversary Unlock Potential with Global Business* Key Synergy Deals in 1H20 More than 1,900 Japanese companies and Synergy Loan subsidiaries, contributed to 8.5% of Indonesia GDP and 24.4% of Indonesian export as of 2018.  Real Estate Finance  Mortage Loan Substantial r

  4. Slide 4: COVID-19 Encounter: Preventive and Proactive Actions

    COVID-19 Encounter : Preventive and Proactive Actions Danamon Crisis Command Center (CCC) Prioritize Health and Safety to Ensure Business Continuity Health and safety for our Employees Conduct weekly Employee Provide essential personal care Health Survey via Danamon to all employees and additional C

  5. Slide 5: Table of Contents

    Table of Contents 2020 Company’s Update 1H20 Financial Highlights 4

  6. Slide 6: Double digit PPOP and CASA growth despite economic slowdown

    Double digit PPOP and CASA growth despite economic slowdown Prudent • EB loan grew 16% YoY, partially contributed by MUFG collaborations. Focus growth in Blue- Loan chip large corporate and SOE segments. Selection • Lower loan disbursement in ADMF and SME loans due to slower market demand. • CASA gr

  7. Slide 7: 1H-2020 Balance Sheet highlights

    1H-2020 Balance Sheet highlights In Rp billion 1H19 1H20 YoY 1Q20 2Q20 QoQ Total Assets 198,590 194,441 -2% 203,213 194,441 -4% Total Loan Portfolio and Trade 148,278 142,710 -4% 147,028 142,710 -3% Finance1) Total Loan Portfolio and Trade Finance 87,520 90,292 3% 89,792 90,292 1% excl. ADMF and Run

  8. Slide 8: 1H-2020 Income Statement

    1H-2020 Income Statement In billion IDR 1H19 1H20 YoY 1Q20 2Q20 QoQ Net Interest Income 7,093 7,332 3% 3,800 3,532 -7% Non Interest Income 1,667 1,963 18% 1,332 631 -53% Operating Income 8,760 9,295 6% 5,132 4,163 -19% Operating Expenses (4,414) (4,278) -3% (2,201) (2,077) -6% PPOP 4,346 5,017 15% 2

  9. Slide 9: 1H-2020 Key Financial Ratios

    1H-2020 Key Financial Ratios In % 1H19 1H20 YoY 1Q20 2Q20 QoQ NIM 8.2 8.2 (0.0) 8.4 7.9 (0.5) CoC 2.5 4.5 2.0 3.3 5.8 2.5 Risk-adjusted NIM 5.7 3.7 (2.0) 5.1 2.1 (3.0) Cost to Income 50.4 46.0 (4.4) 42.9 49.9 7.0 CASA Ratio 46.4 53.2 6.8 49.9 53.2 3.3 RIM 97.3 95.1 (2.2) 95.9 95.1 (0.8) NPL Gross 3.

  10. Slide 10: Ample liquidity strengthened by CASA growth

    Ample liquidity strengthened by CASA growth RIM, LDR, and LCR (%) – Healthy Liquidity LDR (%) by BUKU RIM LDR LCR April 19 April 20 97.3 95.7 95.1 94.6 143.8 146.5 102.1 98.9 89.9 89.8 90.6 89.2 94.0 92.2 87.2 80.6 2Q19 2Q20 2Q19 2Q20 BUKU 1 BUKU 2 BUKU 3 BUKU 4 Industry Note : As of May-20, BDI bec

  11. Slide 11: Solid capital structure to withstand tough economic times

    Solid capital structure to withstand tough economic times Capital Adequacy Ratio (%) Market and Operational Risk Charges (%) 22.2 23.0 24.6 23.2 24.5 % 2Q19 3Q19 4Q19 1Q20 2Q20 Bank Only CAR w/ Credit 27.2 28.4 30.5 27.6 29.8 Risk 22.5 24.2 23.4 21.7 22.1 Market Risk 0.8 0.8 0.8 -0.1 -0.1 -0.2 -0.1

  12. Slide 12: Prudent loan selection and selective growth in Enterprise Banking

    Prudent loan selection and selective growth in Enterprise Banking Composition of Loan Portfolio & Trade Finance1) (Rp tn) Growth of Loan Portfolio & Trade Finance1) (Rp bn) 148.3 147.0 Rp bn 1H19 1H20 YoY QoQ 143.6 144.3 142.7  Enterprise2) & FI 44,288 51,175 16% 4%  SME 31,298 27,342 -13% -4% 30%

  13. Slide 13: Maintain prudent underwriting to prepare for industry recovery

    Maintain prudent underwriting to prepare for industry recovery ADMF units New Financing vs. Industry ADMF New Financing amount (% YoY growth based on cumulative YTD) (% YoY growth) Industry 2W ADMF 2W 4W 2W 9.1 5.9 7.0 -2.2 6.5 3.6 1.6 0.3 -6.9 -6.4 -7.0 4.4 1.2 1.3 -21.7 -11.7 -47.0 -39.5 -48.0 -43

  14. Slide 14: Enhancement in treasury and fee based income

    Enhancement in treasury and fee based income Non-Interest Income (Rp bn) Revenue Composition 1H19 1H20 +18% 50.4 52.4 46.0 Cost to income ratio 1,963 1,665 8,761 9,358 9,295 +33% -24% +134% Net Interest Income 791 897 79% 79% 676 81% Non-Interest Income 602 464 198 19% 21% 21% Credit Rel. Non Credit

  15. Slide 15: Improvement in SM despite pressure in NPL

    Improvement in SM despite pressure in NPL 4.3 4.2 NPL % of Total 3.2 3.2 3.4 Loans 3.0 BDI NPL 22,909 20,407 20,540 20,870 19,339 18,687 4,829 4,506 4,536 6,013 4,182 5,789 NPL and SM amount BDI NPL 15,901 16,004 18,080 (Rp bn) 14,505 14,857 13,550 BDI-SM 2Q19 3Q19 4Q19 1Q20 May-20 June-20 NPL Cover

  16. Slide 16: Proactive provisioning during challenging economic environment

    Proactive provisioning during challenging economic environment 4.5 2.7 3.4 3.3 2.5 YTD CoC as % of avg loan Cost of Credit 2,063 1,901 (% of Avg Loans and Rp 1,148 57% 1,102 66% bn) 906 36% 41% Non Mass Market 35% 43% Mass Market 65% 64% 34% 59% 2Q19 3Q19 4Q19 1Q20 2Q20 19.8 % of total loan-COVID re

  17. Slide 17: Continuous monitoring of asset quality in key sectors

    Continuous monitoring of asset quality in key sectors BDI Loans by Sector (% of total loans) Industry Loans by Sector (% of total loans) 32.8 Jun-19 Jun-20 18.4 April -19 April-20 30.2 17.3 16.4 16.6 19.3 19.7 18.2 18.6 9.4 9.4 6.7 6.8 6.1 6.3 7.1 7.2 6.8 4.8 4.8 4.4 4.9 4.0 4.4 4.4 4.5 4.5 4.1 3.8

  18. Slide 18: 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

  19. Slide 19: COVID-19 Restructured Loan: Impact Under PSAK 71

    COVID-19 Restructured Loan : Impact Under PSAK 71 Loan Loss Restructure- Changes on Contractual Cash Flow Grace period and other restructuring schemes WITH ADDITIONAL WITHOUT ADDITIONAL INTEREST ACCRUING INTEREST ACCRUING Relevant Factors :  Impact from restructured loans to the present value of fu

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