PT Bank Danamon Indonesia Tbk Class A · IDX:BDMN

PT Bank Danamon Indonesia Tbk Class A — FY2019 Earnings Presentation

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

  1. Slide 1: PT Bank Danamon Indonesia Tbk Analyst Briefing FY2019

    PT Bank Danamon Indonesia Tbk Analyst Briefing FY2019 Jakarta, 19 February 2020 PT Bank Danamon Indonesia Tbk terdaftar dan diawasi oleh OJK

  2. Slide 2: Table of Contents

    Table of Contents 2020 Strategic Priorities and 2019 Achievements FY19 Financial Highlights 1

  3. Slide 3: Strategic priorities in 2020 will build upon efforts started in 2019

    Strategic priorities in 2020 will build upon efforts started in 2019 1 Business and Customer Expansion 1 Prudent lending 2 Robust CASA growth 3 Enhance Fee Income expansion across through Institutional with unique value ecosystem Approach propositions Large Corp Financial Supply Supplier Chain Insti

  4. Slide 4: Early wins in developing robust capabilities across ecosystem

    Early wins in developing robust capabilities across ecosystem Ecosystem Value Proposition Early Wins in 2019 Supplier  Supplier Financing 16th of December, 2019  Cash Management Signing ceremony with PT Mercedes- Benz Distribution Indonesia and PT Daimler Commercial Vehicles  Supplier/Distributor

  5. Slide 5: Strategic divestment of Adira Insurance: strengthening value proposition and fee income opportunities

    Strategic divestment of Adira Insurance: strengthening value proposition and fee income opportunities New Danamon Group Structure o In 4Q 2019 BDI sold 70% stake in Adira Insurance to Zurich Insurance, with total share price to Danamon of IDR 3.9 tn. Bank Danamon Indonesia o Proceed from the transac

  6. Slide 6: Table of Contents

    Table of Contents 2020 Strategic Priorities and 2019 Achievements FY19 Financial Highlights 5

  7. Slide 7: Prudent lending growth supported by focus on granular funding

    Prudent lending growth supported by focus on granular funding • Excluding Micro, Loan Portfolio and Trade Finance grew 5% YoY. Growth in • Mortgage and Automotive portfolios registered healthy growth of 16% and 7% YoY, respectively. key engines • Loans in Enterprise Banking increased 6% YoY. • CASA

  8. Slide 8: FY 2019 Balance Sheet highlights

    FY 2019 Balance Sheet highlights In Rp billion 2018 2019 YoY 1Q19 2Q19 3Q19 4Q19 QoQ Total Assets 186,762 193,534 4% 190,042 198,590 195,826 193,534 -1% Total Loan Portfolio and Trade 139,497 144,253 3% 138,041 147,510 143,557 144,253 0% Finance1) Total Loan Portfolio and Trade 137,219 143,759 5% 13

  9. Slide 9: FY2019 Income Statement

    FY2019 Income Statement In billion IDR 2018 2019 YoY 1Q19 2Q19 3Q19 4Q19 QoQ Net Interest Income 14,436 14,440 0% 3,541 3,552 3,621 3,726 3% Net Interest Income excl. micro 14,017 14,369 3% 3,507 3,533 3,610 3,719 3% Non Interest Income 3,275 3,679 12% 797 871 894 1,117 25% Operating Income 17,711 1

  10. Slide 10: FY 2019 Key Financial Ratios

    FY 2019 Key Financial Ratios In % 2018 2019 YoY 1Q19 2Q19 3Q19 4Q19 QoQ NIM 8.9 8.3 (0.6) 8.4 8.0 8.1 8.4 0.3 CoC 2.5 3.4 0.9 2.4 2.6 3.1 5.4 2.3 Risk-adjusted NIM 6.4 4.8 (1.6) 6.0 5.5 5.0 3.0 (2.0) Cost to Income 48.8 51.4 2.6 49.7 51.0 51.2 51.7 0.5 CASA Ratio 47.1 49.7 2.6 46.1 46.4 47.7 49.7 2.

  11. Slide 11: Strong funding growth

    Strong funding growth RIM (%) - RIM is successfully maintained 94.8 94.0 95.0 94.5 93.5 Industry LDR  While RIM reached 99.7 at Dec. 2019 end, overall there is ample liquidity enabled by granular deposits (CASA and regular TD). 97.3 97.4 99.7 97.2 96.4  Average RIM at 94.9%.  Proceed from AI dive

  12. Slide 12: Initiatives to improve granular funding continue to gain traction

    Initiatives to improve granular funding continue to gain traction Strong Focus on Granular Funding* (Rp Tn) Improved funding franchise Enhancing Sales Discipline through Danamon Way +23% complemented by 74.6 Established Digital Platforms 9% 59.9 60.8 56.2 12% 11% CA 12% 51% • 94%+ of banking transac

  13. Slide 13: Solid capital structure

    Solid capital structure Capital Adequacy Ratio (%) Market and Operational Risk Charges (%) 22.8 22.8 22.2 23.0 24.6 Bank Only % 4Q18 1Q19 2Q19 3Q19 4Q19 24.2 CAR w/ Credit 22.2 21.9 21.7 22.5 28.1 27.8 27.2 28.4 30.5 Risk 0.8 0.8 0.8 0.8 0.8 Tier 2-Consol Market Risk Tier 1-Consol -0.1 -0.1 -0.2 -0.

  14. Slide 14: Growth in key segments

    Growth in key segments Composition of Loan Portfolio & Trade Finance1) (Rp tn) Growth of Loan Portfolio & Trade Finance1) (Rp tn) Consumer 147.5 Rp bn FY18 FY19 YoY QoQ 143.6 144.3 139.5 138.0  Enterprise2) & FI 41,484 43,976 6.0% 4% 30%  ABF 2,105 1,188 -43.6% -17% 29% 30% 30% 29%  SME 31,215 31

  15. Slide 15: 7% YoY growth for ADMF despite industry slow down

    7% YoY growth for ADMF despite industry slow down ADMF units New Financing vs. Industry ADMF New Financing amount (% YoY growth based on cumulative YTD) (% YoY growth) 20 Industry 2W ADMF 2W 4W 2W 14.8 15.4 28.1 15 13.8 23.0 12.4 9.1 7.0 10 5.9 6.5 14.9 14.7 9.4 7.1 8.5 8.7 3.6 5 1.8 0.3 4.4 -6.4 -7

  16. Slide 16: Improved NPL and NPL ratio QoQ

    Improved NPL and NPL ratio QoQ 3.2 3.2 3.0 NPL % of Total 2.7 2.8 Loans- 2.7 Industry NPL Comparison 2.6 2.8 with Industry 2.5 2.5 BDI NPL 20,407 20,540 18,045 18,687 16,687 4,506 4,536 3,668 4,182 BDI NPL 3,656 NPL and SM BDI-SM amount 14,377 15,901 16,004 14,505 (Rp bn) 13,031 4Q18 1Q19 2Q19 3Q19

  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) 33.8 31.6 Dec-18 Dec-19 Nov-18 Nov-19 18.7 18.0 16.7 16.4 20.2 19.2 17.1 18.6 9.4 9.5 6.7 6.7 6.0 6.5 6.8 7.3 4.6 4.1 4.9 4.2 4.8 4.8 4.1 4.4 3.0 3.1 2.0 1.5 2.6 2

  18. Slide 18: Additional QoQ provisioning to boost coverage, combined with lower restructured loans

    Additional QoQ provisioning to boost coverage, combined with lower restructured loans 3.4 2.5 2.4 2.5 2.7 YTD CoC as % of avg loan 1,901 Cost of Credit (% of Avg Non Mass Market Loans and Rp 1,102 66% 906 Mass Market bn) 750 810 36% 23% 30% 35% 77% 70% 65% 64% 34% 4Q18 1Q19 2Q19 3Q19 4Q19 2.6 2.6 2.

  19. Slide 19: YoY Fee Income increase from General Insurance and Treasury

    YoY Fee Income increase from General Insurance and Treasury Fee Income (Rp bn) Non-Credit Related Fee Income (Rp bn) FY18 FY19 FY18 FY19 +11% +12% 680 3,679 615 3,275 -17% +19% 384 -1% 2,027 320 0% 294 292 1,706 1,293 1,292 +30% 276 360 Credit Rel. Non Credit Rel. Treasury Total Bancassurance Genera

  20. Slide 20: 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

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