PT Bank Danamon Indonesia Tbk Class A · IDX:BDMN

PT Bank Danamon Indonesia Tbk Class A — Q1 2020 Earnings Presentation

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

  1. Slide 1: Analyst Briefing 1Q-2020

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

  2. Slide 2: Profit growth of 33% YoY despite cautious stance due to COVID 19

    Profit growth of 33% YoY despite cautious stance due to COVID 19 going forward • Loan portfolio and Trade Finance grew 6% YoY. Growth in • Enterprise Banking loans increased 22% YoY. key engines • Cautious stance on loan growth going forward due to COVID 19 impact. • CASA grew 17% YoY, comprised of

  3. Slide 3: 1Q2020 Balance Sheet highlights

    1Q2020 Balance Sheet highlights In Rp billion 1Q19 1Q20 YoY 4Q19 1Q20 QoQ Total Assets 190,042 203,213 7% 193,534 203,213 5% Total Loan Portfolio and Trade 138,041 147,028 7% 144,253 147,028 2% Finance1) Total Loan Portfolio and Trade 136,423 144,471 6% 139,764 144,471 3% Finance excl. Run-Off Portf

  4. Slide 4: 1Q2020 Income Statement

    1Q2020 Income Statement In billion IDR 1Q19 1Q20 YoY 4Q19 1Q20 QoQ Net Interest Income 3,541 3,800 7% 3,726 3,800 2% Net Interest Income excl. Run-off 3,507 3,774 8% 3,550 3,774 6% portofolio1) Non Interest Income 797 1,332 67% 1,117 1,332 19% Operating Income 4,338 5,132 18% 4,843 5,132 6% Operatin

  5. Slide 5: 1Q2020 Key Financial Ratios

    1Q2020 Key Financial Ratios In % 1Q19 1Q20 YoY 4Q19 1Q20 QoQ NIM 8.4 8.4 0.0 8.4 8.4 0.0 CoC 2.4 3.3 0.9 5.4 3.3 (2.2) Risk-adjusted NIM 6.0 5.1 (0.9) 3.0 5.1 2.1 Cost to Income 49.7 42.9 (6.8) 51.7 42.9 (8.8) CASA Ratio 46.1 49.9 3.8 49.7 49.9 0.2 RIM 96.4 95.9 (0.5) 99.7 95.9 (3.8) NPL Gross 2.8 3

  6. Slide 6: Growth on CASA coupled with ample liquidity

    Growth on CASA coupled with ample liquidity RIM and LDR – Uplift Liquidity LDR (%) by BUKU – BUKU 3 Banks posted the highest LDR RIM LDR Jan 19 Jan 20 96.4 99.7 95.9 94.3 98.9 95.1 101.4 101.0 91.1 88.8 90.2 90.4 94.0 93.4 84.7 88.0 1Q19 4Q19 1Q20 1Q19 4Q19 1Q20 BUKU 1 BUKU 2 BUKU 3 BUKU 4 Industry

  7. Slide 7: Strong capital provides buffer against economic downturn

    Strong capital provides buffer against economic downturn Capital Adequacy Ratio (%) Market and Operational Risk Charges (%) 22.8 22.2 23.0 24.6 23.2 Bank % 1Q19 2Q19 3Q19 4Q19 1Q20 Only CAR w/ Credit 22.5 24.2 27.8 27.2 28.4 30.5 27.6 22.0 21.7 22.1 Risk 0.8 0.8 0.8 0.8 0.8 Tier 2-Consol Market Risk

  8. Slide 8: Prudent growth with cautious stance going forward

    Prudent growth with cautious stance going forward Composition of Loan Portfolio & Trade Finance1) (Rp tn) Growth of Loan Portfolio & Trade Finance1) (Rp bn) Rp bn 1Q19 1Q20 YoY QoQ 147.5 147.0 143.6 144.3  Enterprise2) & FI 40,569 49,529 22% 12% 138.0  SME 31,664 28,471 -10% -1% 30%  Consumer 11,

  9. Slide 9: Tightening of auto loan's credit underwriting amidst industry slowdown

    Tightening of auto loan’s credit underwriting amidst industry slowdown ADMF units New Financing vs. Industry ADMF New Financing amount (% YoY growth based on cumulative YTD) (% YoY growth) Industry 2W ADMF 2W 4W 2W 15.4 12.4 9.1 6.5 5.9 7.0 3.6 -2.2 8.7 1.6 4.4 7.1 0.3 1.2 1.3 -6.9 -6.4 -7.0 -21.7 -

  10. Slide 10: Improvement in non-interest income for sustainable business growth

    Improvement in non-interest income for sustainable business growth Non-Interest Income (Rp bn) Higher Non-Interest Income on revenue composition 1Q19 1Q20 +67% Net Interest Income Non-Interest Income Cost to income ratio 1,332 49.7 51.0 51.2 51.7 42.9 +143% 5,132 764 797 4,843 -11% +156% 4,423 4,492

  11. Slide 11: Additional provisioning to boost coverage. Stable restructured loans

    Additional provisioning to boost coverage. Stable restructured loans 3.4 3.3 2.4 2.5 2.7 YTD CoC as % of avg loan 1,901 Cost of Credit (% of Avg 1,102 66% 1,148 Loans and Rp 906 bn) 810 36% 41% 30% 35% Non Mass Market 65% 64% 34% 59% Mass Market 70% 1Q19 2Q19 3Q19 4Q19 1Q20 2.6 2.5 2.5 2.3 2.4 % of

  12. Slide 12: Manageable NPL secured by higher coverage

    Manageable NPL secured by higher coverage 3.4 NPL % of Total 3.2 3.2 3.0 BDI NPL Loans- 2.8 Comparison with Industry 22,909 20,407 20,540 18,045 18,687 4,829  BDI NPL 4,506 4,536 3,668 4,182 NPL and SM amount 18,080  BDI-SM (Rp bn) 14,377 15,901 16,004 14,505 1Q19 2Q19 3Q19 4Q19 1Q20 NPL Coverage

  13. 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) Mar-19 Mar-20 Jan-19 Jan-20 36.0 30.3 18.3 17.7 16.8 16.2 21.3 20.0 18.5 18.6 9.5 9.5 6.8 6.7 5.9 6.4 7.7 7.4 4.7 4.8 4.1 4.4 5.2 4.2 4.7 3.9 3.3 3.2 2.5 2.4 1.8 1

  14. Slide 14: Business update on COVID-19

    Business update on COVID-19 Indonesia Macro Assumption Update Identified Impact Classification Unit 2020F- 2020F- Segment Approach Remarks Baseline COVID19 EB&FI Industry  Significant impact : Transportation and Accomodation.  Moderate impact: Automotive, Construction, Garment, GDP growth % 5.0 2.

  15. Slide 15: 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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