PT Bank Danamon Indonesia Tbk Class A · IDX:BDMN
PT Bank Danamon Indonesia Tbk Class A — Q1 2023 Earnings Presentation
18 slides from PT Bank Danamon Indonesia Tbk Class A's earnings presentation, Apr 28, 2023
Slide 1: Analyst Briefing – Three Months FY2023 Financial Results
PT Bank Danamon Indonesia Tbk. Analyst Briefing – Three Months FY2023 Financial Results Jakarta, 28 April 2023
Slide 2: Table of Content
Table of Content Strategy Highlights Three Months FY2023 Financial Highlights
Slide 3: MUFG Collaboration and Digital Banking Highlights
MUFG Collaboration and Digital Banking Highlights MUFG Collaboration Number of Deals* Synergy Loan (Rp bn) Synergy CASA (Rp bn) Business & Investment Matching Fair +43% +7% • Business Matching – 91 Clients in 198 Matching Meetings • Investment Matching – together with MUFG Innovation +44% 16,329 5,1
Slide 4: Synergy in Automotive Ecosystem Highlights
Synergy in Automotive Ecosystem Highlights Adira Finance Auto Loan Sales CASA Opening New Loan Facility to Danamon Customers by Adira Finance Customers For Dealers No. of Customer Loans No. of Accounts No. of Onboard Loan Facility (#Client) (in IDR Bn) (in ‘000) (in Entity) (Rp Bn) +3.9x 6.37x 5.27x
Slide 5: Table of Content
Table of Content Strategy Highlights Three Months FY2023 Financial Highlights
Slide 6: Strong Start To The Year, Double Digit Growth in Loan Booking
Strong Start To The Year, Double Digit Growth in Loan Booking Prudent • Total Loan and Trade Finance grew by 15% YoY, reaching Rp 151.8 trillion supported Loan by growth in all business engines. Selection • ADMF new financing increased by 48% compared to the same period last year. • Total Funding at
Slide 7: Balance Sheet Highlights
Balance Sheet Highlights In Rp billion Mar-22 Mar-23 YoY Jun-22 Sep-22 Dec-22 Mar-23 QoQ Total Assets 195,992 203,516 4% 193,575 189,213 197,730 203,516 3% Total Loan Portfolio and Trade 132,476 151,816 15% 139,701 140,490 146,719 151,816 3% Finance1) Government Bonds 22,572 19,699 -13% 19,628 19,72
Slide 8: Income Statement Highlights
Income Statement Highlights In Rp billion 1Q22 1Q23 YoY 2Q22 3Q22 4Q22 1Q23 QoQ Net Interest Income 3,468 3,715 7% 3,497 3,522 3,630 3,715 2% Non Interest Income 666 679 2% 607 662 884 679 -23% Operating Income 4,134 4,394 6% 4,104 4,185 4,514 4,393 -3% Operating Expenses (2,199) (2,413) 10% (2,317)
Slide 9: Key Financial Ratios
Key Financial Ratios In % 1Q22 1Q23 YoY 2Q22 3Q22 4Q22 1Q23 QoQ NIM 7.9 8.4 0.5 7.9 8.0 8.2 8.4 0.2 CoC 2.5 2.5 0.0 2.1 2.3 2.8 2.5 -0.3 Risk-adjusted NIM 5.4 5.9 0.5 5.8 5.7 5.4 5.9 0.5 Cost to Income 53.2 54.9 1.7 56.5 54.6 53.4 54.9 1.5 CASA Ratio 60.5 58.8 -1.7 64.4 64.2 63.9 58.8 -5.1 RIM 86.2
Slide 10: Stable Granular Funding Through Conventional and Digital Channels
Stable Granular Funding Through Conventional and Digital Channels RIM & LDR (%) LCR & NSFR (%) RIM LDR LCR NSFR 95.2 94.7 197.7 91.4 92.1 162.5 154.8 86.2 94.0 93.7 152.5 151.9 89.9 91.0 84.7 139.4 136.2 130.3 130.5 125.7 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 CASA , T
Slide 11: Robust Capital as Foundation for Business Expansion
Robust Capital as Foundation for Business Expansion Capital Adequacy Ratio (%) Market and Operational Risk Charges (%) 25.7 25.5 25.3 25.3 26.2 % Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Bank Only CAR w/ 33.5 33.2 33.5 33.4 31.5 Credit Risk 26.2 26.3 28.5 26.0 26.0 0.9 1.0 Market 0.8 0.9 0.9 Tier 2-Consol
Slide 12: Loan Growth Across All Business Engines
Loan Growth Across All Business Engines Composition of Loan Portfolio & Trade Finance1) (Rp tn) Growth of Loan Portfolio & Trade Finance1) (Rp bn) Rp bn Mar-22 Mar-23 YoY Dec-22 QoQ 151.8 Wholesale EB2) & FI 60,530 68,866 14% 68,707 0% Business 146.7 139.7 140.5 132.5 SME 19,877 20,994 6% 20,621
Slide 13: Loan Composition Remained Stable and Well Diversified
Loan Composition Remained Stable and Well Diversified Loans by Sector (% of total loans) Loans by Purpose Mar-22 Mar-23 24.2 23.0 22.1 20.9 23.8% 19.8 19.7 18.9 18.9 23.6% 63.1% 12.1 13.3% 61.3% 11.4 14.9% Mar-22 4.8 4.2 Mar-23 Trading Household Manufacturing Financial Agriculture, Others Working Ca
Slide 14: ADMF Loan Growth Supported by Strong New Financing Increment
ADMF Loan Growth Supported by Strong New Financing Increment ADMF Units New Financing Growth vs. Industry ADMF New Financing Amount (in Rp bn) Industry 2W ADMF 2W 2W 4W Others 38.1 46.7 +48% 5.1 10,582 3.2 34.3 -8.3 28.1 7,166 36% 16.2 -4.8 -8.0 38% 43% 41% 21% 21% FY21 2M22 1H22 FY22 2M23 1Q22 1Q23
Slide 15: Encouraging First Quarter Operating Income
Encouraging First Quarter Operating Income Net Interest Income (Rp bn) Non-Interest Income 7.9 7.9 8.0 8.2 8.4 18.4% +3% +2% 44.9% 3,715 25.1% 3,522 3,630 41.5% 3,468 3,497 1Q22: Rp666 billion 1Q23: Rp679 billion 36.6% 33.5% 1Q22 1Q23 Credit Related Non-Credit Related Treasury 1Q22 2Q22 3Q22 4Q22 1Q
Slide 16: Maintained Healthy Asset Quality with Record High NPL Coverage
Maintained Healthy Asset Quality with Record High NPL Coverage 2.8 2.8 2.7 2.6 NPL and SM 2.4 Ratio (%) NPL% 9.1 8.3 8.5 7.7 8.1 SM% 14,791 14,559 14,787 14,054 14,939 3,459 3,618 3,545 3,579 3,429 NPL and SM amount 11,332 10,941 11,242 10,476 11,510 NPL (Rp bn) SM Mar-22 Jun-22 Sep-22 Dec-22 Mar-23
Slide 17: Cost of Credit Ratio and Loan at Risk Ratio were Relatively Stable
Cost of Credit Ratio and Loan at Risk Ratio were Relatively Stable 2.5 2.3 2.3 2.4 2.5 YTD CoC as % of avg loan Cost of Credit (% of Avg Loans 999 894 792 716 794 and Rp bn) 54% 40% BDI 30% 43% 47% 70% 57% 53% 46% 60% ADMF 1Q22 2Q22 3Q22 4Q22 1Q23 -1.6 +0.1 15.4% 15.0% LAR as % of Total Loan 14.2% 1
Slide 18: 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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