PT Bank Danamon Indonesia Tbk Class A · IDX:BDMN
PT Bank Danamon Indonesia Tbk Class A — Q1 2021 Earnings Presentation
14 slides from PT Bank Danamon Indonesia Tbk Class A's earnings presentation, Apr 28, 2021
Slide 1: PT Bank Danamon Indonesia Analyst Briefing 1Q-2021
PT Bank Danamon Indonesia Analyst Briefing 1Q - 2021 Jakarta, 28 April 2021
Slide 2: Steady improvements supported by healthy asset quality, high coverage ratio and CASA ratio
Steady improvements supported by healthy asset quality, high coverage ratio and CASA ratio • EB portfolio grew 11% YoY, supported by collaboration with MUFG network and focus on the blue chip segment. Prudent Loan Selection • Steady improvement in auto financing disbursement. ADMF’s 1Q’21 new financ
Slide 3: 1Q-2021 Balance Sheet highlights
1Q-2021 Balance Sheet highlights In Rp billion 1Q20 1Q21 YoY 2Q20 3Q20 4Q20 1Q21 QoQ Total Assets 203,213 193,993 -5% 194,441 196,631 200,890 193,993 -3% Total Loan Portfolio and Trade 147,028 132,407 -10% 142,710 137,934 135,786 132,407 -2% Finance1) Total Loan Portfolio and Trade Finance excl. ADM
Slide 4: 1Q-2021 Income Statement
1Q-2021 Income Statement In Rp billion 1Q20 1Q21 YoY 2Q20 3Q20 4Q20 1Q21 QoQ Net Interest Income1) 3,800 3,316 -13% 3,130 3,309 3,406 3,316 -3% Non Interest Income 1,332 659 -51% 631 622 737 659 -11% Operating Income 5,132 3,975 -23% 3,761 3,931 4,143 3,975 -4% Operating Expenses -2,201 -2,051 7% -2
Slide 5: 1Q-2021 Key Financial Ratios
1Q-2021 Key Financial Ratios In % 1Q20 1Q21 YoY 2Q20 3Q20 4Q20 1Q21 QoQ NIM1) 8.4 7.0 -1.4 6.9 7.1 7.2 7.0 -0.2 CoC 3.3 3.6 0.3 5.8 2.8 7.1 3.6 -3.5 Risk-adjusted NIM 5.1 3.5 -1.6 2.1 4.3 0.1 3.5 3.4 Cost to Income1) 42.9 51.6 8.7 49.9 51.0 47.1 51.6 4.5 CASA Ratio 49.9 54.7 4.8 53.2 51.5 52.3 54.7
Slide 6: Well maintained liquidity along with improved CASA ratio
Well maintained liquidity along with improved CASA ratio RIM, LDR, LCR & NSFR (%) – Healthy Liquidity 1Q20 2Q20 3Q20 4Q20 1Q21 177.9 188.0 195.7 164.8 146.5 141.7 143.7 140.8 123.8 131.2 95.9 95.1 89.8 85.0 86.6 95.1 94.3 88.7 84.0 85.3 RIM LDR LCR NSFR CASA , TD, & CASA Ratio – Improved CASA Ratio
Slide 7: Strong capital structure as foundation for growth
Strong capital structure as foundation for growth Capital Adequacy Ratio (%) Market and Operational Risk Charges (%) 23.2 24.5 25.9 25.6 26.2 % 1Q20 2Q20 3Q20 4Q20 1Q21 Bank Only CAR w/ Credit 27.6 29.8 31.9 32.3 33.4 Risk 24.9 25.0 25.7 22.1 23.4 Market Risk 0.8 0.8 0.8 -0.1 -0.2 -0.1 -0.3 -0.3 0.8
Slide 8: Diversified growth engine with EB growth partially offsetting lower demand in other segments
Diversified growth engine with EB growth partially offsetting lower demand in other segments Composition of Loan Portfolio & Trade Finance1) (Rp tn) Growth of Loan Portfolio & Trade Finance1) (Rp bn) 147.0 Rp bn 1Q20 1Q21 YoY QoQ 142.7 137.9 Enterprise Banking2) & FI 49,526 55,167 11% 1% 135.8 132
Slide 9: ADMF: Steady improvement trend in disbursement
ADMF : Steady improvement trend in disbursement ADMF units New Financing vs. Industry ADMF Loan Disbursement Amount (in Rp bn) (% YoY growth based on cumulative YTD) Industry 2W ADMF 2W 2W 4W Others 8,394 -2.2 +222% 48% 5,351 5,407 -23.6 -8.2 45% 44% -41.5 -41.5 -43.5 3,199 32% 1,678 41% 36% 34% 36%
Slide 10: Steady non-interest income trend post-pandemic
Steady non-interest income trend post-pandemic Non-Interest Income (Rp bn) Revenue Composition 1Q20 2Q20 3Q20 4Q20 1Q21 49.9 51.0 47.1 51.6 42.9 1,332 5,132 +4% 4,143 3,761 3,931 3,975 764 737 631 622 659 74% -2% -43% +128% 82% 358 83% 84% 83% 266 313 260 293 167 233 253 210 254 222 111 131 146 26%
Slide 11: Marked improvement in SM and high NPL Coverage level
Marked improvement in SM and high NPL Coverage level 12.9 11.0 11.3 10.0 10.5 NPL and SM % of Total Loans SM% 3.3 NPL% 4.2 3.4 3.2 2.8 22,909 19,339 18,512 18,010 4,829 17,204 NPL and SM 5,789 4,272 3,678 4,195 amount 18,080 14,240 14,332 NPL (Rp bn) 13,550 13,009 SM 1Q20 2Q20 3Q20 4Q20 1Q21 199.9 1
Slide 12: Improving trends in COVID Restructured Loans and Loan at Risk
Improving trends in COVID Restructured Loans and Loan at Risk 3.3 4.5 4.0 4.7 3.6 YTD CoC as % of avg loan Cost of Credit (% of Avg 2,357 2,063 Loans and Rp 1,148 62% 1,158 57% 955 BDI ADMF bn) 39% 41% 30% 61% 43% 70% 38% 59% 1Q20 2Q20 3Q20 4Q20 1Q21 -8.1 31.9% 31.7% -2.3 LAR as % of Total Loan Loan
Slide 13: 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) 1Q20 1Q21 Jan-20 Jan-21 30.3 17.7 17.1 27.4 16.2 16.0 20.0 18.4 18.6 19.6 9.5 10.0 10.9 6.7 7.1 6.4 6.9 6.7 7.4 6.0 4.3 3.9 4.8 4.7 4.4 4.9 4.2 5.3 3.9 3.7 3.2 3.8
Slide 14: 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
PT Bank Danamon Indonesia — Q1 2021 Earnings Presentation on 6ix