PT Bank Danamon Indonesia Tbk Class A · IDX:BDMN
PT Bank Danamon Indonesia Tbk Class A — FY2022 Earnings Presentation
19 slides from PT Bank Danamon Indonesia Tbk Class A's earnings presentation, Feb 15, 2023
Slide 1: Analyst Briefing - FY2022 Financial Results
PT Bank Danamon Indonesia Tbk. Analyst Briefing - FY2022 Financial Results Jakarta, 15 February 2023
Slide 2: Table of Content
Table of Content Strategy Highlights FY22 Financial Highlights
Slide 3: Expanding the Business through MUFG Collaboration and Digital Partnership
Expanding the Business through MUFG Collaboration and Digital Partnership MUFG Collaboration: Wider Client Base, Deepening the Relationship Number of Deals* Synergy Loan (Rp bn) Synergy CASA (Rp bn) Generating Unique and Diversified Loan Deals +44% +43% +10% Real Estate Ecosystem Real Estate Financi
Slide 4: Synergy with Adira Finance Supporting the Automotive Ecosystem
Synergy with Adira Finance Supporting the Automotive Ecosystem Throughout 2022, as a group, Danamon and Adira Finance supported by MUFG continue strengthening its position as the bank partner and multifinance partner of choice for the Indonesian automotive industry. Adira Finance Auto Loan Sales CAS
Slide 5: Channels Development for an Improved Customer Experience
Channels Development for an Improved Customer Experience D-Bank PRO: Enabling Customers, “Saatnya Pegang Kendali” Credit Card Top up e-money # of New- Management via NFT To-Bank 150% Customers YoY Foreign Exchange Cardless Cash # of Online Withdrawal Financial 11% Transaction YoY Multi Currency Auto
Slide 6: Table of Content
Table of Content Strategy Highlights FY22 Financial Highlight
Slide 7: Reach Record High in Loan and CASA with 110% YoY increase in NPAT
Reach Record High in Loan and CASA with 110% YoY increase in NPAT • Total Loan and Trade Finance grew by 12% YoY reaching a record high Rp 146.7 Prudent trillion. Loan • Both Enterprise Banking and Consumer Banking portfolio grew by 18% YoY Selection respectively, supported by MUFG collaboration and
Slide 8: FY2022 Balance Sheet Highlights
FY2022 Balance Sheet Highlights In Rp billion Dec-21 Dec-22 YoY Mar-22 Jun-22 Sep-22 Dec-22 QoQ Total Assets 192,207 197,730 3% 195,992 193,575 189,213 197,730 5% Total Loan Portfolio and Trade 130,502 146,719 12% 132,476 139,701 140,490 146,719 4% Finance1) Government Bonds 30,338 18,786 -38% 22,57
Slide 9: FY2022 Income Statement
FY2022 Income Statement In Rp billion FY21 FY22 YoY 1Q22 2Q22 3Q22 4Q22 QoQ Net Interest Income 13,705 14,118 3% 3,468 3,497 3,522 3,630 3% Non Interest Income 3,141 2,819 -10% 666 607 662 884 33% Operating Income 16,845 16,937 1% 4,134 4,104 4,185 4,514 8% Operating Expenses (8,581) (9,214) 7% (2,1
Slide 10: FY2022 Key Financial Ratios
FY2022 Key Financial Ratios In % Dec-21 Dec-22 YoY 1Q22 2Q22 3Q22 4Q22 QoQ NIM 7.7 8.0 0.3 7.9 7.9 8.0 8.2 0.2 CoC 4.4 2.4 -2.0 2.5 2.1 2.3 2.8 0.5 Risk-adjusted NIM 3.3 5.5 2.2 5.4 5.8 5.7 5.4 -0.3 Cost to Income 51.0 54.4 3.4 53.2 56.5 54.6 53.4 -1.2 CASA Ratio 59.1 63.9 4.8 60.5 64.4 64.2 63.9 -0
Slide 11: Granular Funding Through Conventional and Digital Channels
Granular Funding Through Conventional and Digital Channels RIM & LDR (%) LCR & NSFR (%) RIM LDR LCR NSFR 95.2 197.7 91.4 92.1 187.0 162.5 154.8 86.0 86.2 94.0 152.5 89.9 91.0 84.6 84.7 140.7 139.4 136.2 130.3 130.5 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 CASA , TD & CAS
Slide 12: Strong Capital for Growth
Strong Capital for Growth Capital Adequacy Ratio (%) Market and Operational Risk Charges (%) 26.4 25.7 25.5 25.3 25.3 % Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Bank Only CAR w/ 34.9 33.5 33.2 33.5 33.4 Credit Risk 26.8 26.0 26.0 26.2 26.3 0.9 0.8 0.9 0.9 0.9 Market Risk Tier 2-Consol -0.2 -0.3 -0.1 -0.2
Slide 13: Loan Growth Across Business Segments
Loan Growth Across Business Segments Composition of Loan Portfolio & Trade Finance1) (Rp tn) Growth of Loan Portfolio & Trade Finance1) (Rp bn) Rp bn Dec-21 Dec-22 YoY Sep-22 QoQ 146.7 EB2) & FI 58,177 68,707 18% 66,457 3% Wholesale Business 139.7 140.5 130.5 132.5 SME 20,682 20,621 - 20,193 2%
Slide 14: Loan Composition Remained Stable and Diversified
Loan Composition Remained Stable and Diversified Loans by Sector (% of total loans) Loans by Purpose FY21 FY22 25.1 22.4 21.9 23.3% 21.7 20.6 19.5 19.6 23.5% 17.9 62.8% 13.7% 62.3% 11.5 10.9 14.4% Dec-21 4.7 4.2 Dec-22 Trading Household Manufacturing Financial Agriculture, Others Working Capital Inv
Slide 15: ADMF New Financing Increased by 22% YoY
ADMF New Financing Increased by 22% YoY ADMF Units New Financing Growth vs. Industry ADMF New Financing Amount (in Rp bn) Industry 2W ADMF 2W 2W 4W Others 36.1 38.1 +22% 29.9 31,698 37.3 34.3 1.5 25,921 -8.3 35% 13.7 42% -4.8 -10.9 44% -43.5 39% -54.6 19% 21% FY20 1H21 11M21 FY21 1H22 11M22 FY21 FY2
Slide 16: Improved NIM, while Non-Interest Income Composition Relatively Stable
Improved NIM, while Non-Interest Income Composition Relatively Stable Net Interest Income (Rp bn) Non-Interest Income 7.7 8.0 7.9 7.9 8.0 8.2 20.3% 19.8% 41.6% +3% 41.6% 13,705 14,118 FY21: Rp3,141 billion FY22: Rp2,819 billion +1% +3% 38.6% 3,648 3,630 38.1% 3,497 3,522 FY 2021 FY 2022 Credit Relat
Slide 17: Maintained Asset Quality, Supplemented with High NPL Coverage
Maintained Asset Quality, Supplemented with High NPL Coverage 2.7 2.8 2.8 2.7 2.6 NPL and SM Ratio (%) NPL% 9.1 9.1 8.3 8.5 7.7 SM% 14,560 14,791 14,559 14,787 14,054 3,364 3,459 3,618 3,545 3,579 NPL and SM 11,196 11,332 10,941 11,242 10,476 NPL amount (Rp bn) SM Dec-21 Mar-22 Jun-22 Sep-22 Dec-22
Slide 18: Cost of Credit Ratio Back at Normal Level as Loan at Risk Ratio Continues to Trend Down
Cost of Credit Ratio Back at Normal Level as Loan at Risk Ratio Continues to Trend Down 4.4 2.5 2.3 2.3 2.4 YTD CoC as % of avg loan Cost of Credit 2,027 (% of Avg Loans and Rp bn) 68% 792 794 999 BDI 716 30% 43% 47% 54% 32% 70% ADMF 57% 53% 46% 4Q21 1Q22 2Q22 3Q22 4Q22 -0.8 -1.6 LAR as % of Total L
Slide 19: 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 — FY2022 Earnings Presentation on 6ix