Pt Bank Danamon Indonesia Tbk Class A · IDX:BDMN
Pt Bank Danamon Indonesia Tbk Class A — H1 2025 Earnings Presentation
23 slides from Pt Bank Danamon Indonesia Tbk Class A's earnings presentation, Jul 30, 2025
Slide 1: Investor & Analyst Briefing 1H25 Financial Results
PT Bank Danamon Indonesia Tbk Investor & Analyst Briefing 1H25 Financial Results Jakarta, 30 July 2025
Slide 2: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 3: Macroeconomic and Industry Update
Strategy Highlights Industry Update Macroeconomic and Industry Update GDP growth is forecasted to soften in 2Q25; Contraction in BI-Rate has eased by 75 bps in 2025 to improve domestic growth, Macroeconomy Manufacturing PMI Macroeconomy while The Fed estimates 2 cuts (50 bps) in 2H25 Real GDP Growth
Slide 4: Danamon Strategic Overview: 1H25 Results
Strategy Highlights Overview Danamon Strategic Overview: 1H25 Results Lending and Funding continued growth, higher NPAT YoY as CoC improve * *Total CASA and Time Deposits 4
Slide 5: Focus Areas to Sustain Business Growth and Profitability (1/2)
Strategy Highlights Strategic Initiatives Focus Areas to Sustain Business Growth and Profitability (1/2) A STRATEGIC THEMES Targeted Ecosystem & Unique MUFG Proposition - Automotive Data Analytics & Process Improvement Auto Retail Financing Synergy Indonesia International Motor Show Intelligent Docu
Slide 6: Focus Areas to Sustain Business Growth and Profitability (2/2)
Strategy Highlights Strategic Initiatives Focus Areas to Sustain Business Growth and Profitability (2/2) C CORE BUSINESS & FOUNDATION BUILDING D-Bank PRO – Improve Customer Journey and Experience Branch Network – New Branch Concept and Regional Events # of # of Transaction Average Average Branch Eng
Slide 7: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 8: Executive Summary: Steady Growth in Lending and Funding
Financial Highlights Executive Summary Steady Growth in Lending and Funding with Healthy Asset Quality Sustainable Lending* Growth Ample Liquidity & Funding Growth Total Lending Wholesale Lending Retail Lending Funding* Granular Funding (Rp tn)* (Rp tn) (Rp tn) (Rp tn) (Rp tn) +6% +10% +2% +13% -2%
Slide 9: Balanced Lending and Funding Growth; Strong CASA Traction in 2Q25
Financial Highlights Balance Sheet Balanced Lending and Funding Growth; Strong CASA Traction in 2Q25 InRp In Rpbn bn Jun-24 Dec-22 Jun-25 Dec-23 YoY Sep-24 Mar-23 Dec-24 Jun-23 Mar-25 Sep-23 Jun-25 Dec-23 QoQ QoQ Total Assets 231,916 251,548 8% 240,384 242,335 250,795 251,548 0% Total Lending1) 183,
Slide 10: Sustainable Increase in Profitability
Financial Highlights Income Statement Sustainable Increase in Profitability InRp In Rpbn bn 1H24 FY22 1H25 FY23 YoY 3Q24 1Q23 4Q24 2Q23 1Q25 3Q23 2Q25 4Q23 QoQ QoQ Net Interest Income 7,805 7,741 -1% 3,861 3,920 3,856 3,885 1% Non Interest Income 1,627 1,651 1% 893 797 815 836 3% Operating Income 9,
Slide 11: Improvement in Asset Quality and Earning Ratios
Financial Highlights Key Financial Ratio Improvement in Asset Quality and Earning Ratios In In % % FY22 1H24 FY23 1H25 YoY 1Q23 3Q24 2Q23 4Q24 3Q23 1Q25 4Q23 2Q25 QoQ QoQ NIM 7.6 7.0 -0.6 7.1 7.1 7.1 6.9 -0.2 CoC 2.8 2.2 -0.6 2.1 2.2 2.3 2.0 -0.3 Risk-adjusted NIM 4.8 4.8 0.0 5.0 4.9 4.8 4.9 0.1 Cos
Slide 12: Stable Funding Supported by Strong Capital Structure
Financial Highlights Funding, Liquidity & Capital Stable Funding Supported by Strong Capital Structure Granular Strong Focus Funding*Funding* on Granular (Rp tn) (Rp tn) LCR, NSFR & LDR (%) +2% 146.8 142.2 144.8 143.0 91.6 93.0 93.6 93.1 93.1 127.6 11% 11% 11% 10% 11% 41% 41% 39% 41% 42% 118.1 120.3
Slide 13: Double Digit Growth Across EBFI, SME, and Consumer Banking Segments
Financial Highlights Loan Portfolio Double Digit Growth Across EBFI, SME, and Consumer Banking Segments Lending Composition1) (Rp tn) Lending Growth1) (Rp bn) 189.4 192.7 195.7 Rp bn Jun-24 Jun-25 YoY Mar-25 QoQ 183.9 186.5 EB2) & FI 82,699 93,491 13% 91,098 3% Wholesale Lending 45% 46% 46% 47% 48
Slide 14: Continued Prudent Approach in Extending New Financing
Financial Highlights Adira Finance Continued Prudent Approach in Extending New Financing Units New Loans Growth vs. Industry (% YoY) New Loans Amount (Rp bn) 2-Wheelers (2W) Lowered New Financing in response to The Weakening Auto Industry 38.2 42.8 -19% 2.2 -1.0 -2.4 2W 20,046 38.9 42.5 4W 16,195 -1
Slide 15: Revenue Structure Remained Steady
Financial Highlights Operating Income Revenue Structure Remained Steady Operating Income (Rp bn) Non-Interest Income (Rp bn) Non-Interest Income Growth Dominated by Treasury Fee 7.6 7.0 1,627 1,651 +1% +32% 800 765 4,693 4,721 516 474 412 311 Credit Rel. Non Credit Rel. Treasury Total Fee 83% 82% Cr
Slide 16: Consistent Improvements in Asset Quality
Financial Highlights Asset Quality Consistent Improvements in Asset Quality NPL & SM: Ratio (%) & Amount (Rp bn) NPL Coverage Ratio (%) & NPL Amount (Rp bn) 2.2 2.0 263.2 272.3 287.2 283.3 279.2 1.9 1.9 1.8 8.5 8.2 3,686 3,491 7.5 7.4 7.0 3,281 3,306 3,355 817 801 805 842 820 18,329 17,708 16,228 16
Slide 17: Table of Content
Table of Content Strategy Highlights Financial Highlights Appendix
Slide 18: Danamon at Glance
Danamon at Glance Company Overview Proven Established on 16 July 1956 Track Record ~ 69 Years of Operations 92.47% Public 7.53% Stable Fitch Ratings : BBB Credit Ratings Pefindo : idAAA Robust Bank Only : Rp 39.3 Tn PT Bank Danamon Indonesia Tbk (BDMN) Capitalization Consolidated : Rp 49.4 Tn ~ 870
Slide 19: Member of Board of Commissioners
Member of Board of Commissioners Yasushi Itagaki Halim Alamsyah Nobuya Kawasaki President Commissioner Vice President Commissioner (Independent) Commissioner Dan Harsono Peter Benyamin Stok Hedy Maria Helena Lapian Commissioner Independent Commissioner Independent Commissioner 19
Slide 20: Member of Board of Directors
Member of Board of Directors Daisuke Ejima Honggo Widjojo Kangmasto President Director Vice President Director Herry Hykmanto Rita Mirasari Dadi Budiana Syariah Director Compliance Director Risk Management Director Thomas Sudarma Jin Yoshida Yenny Siswanto EBFI Director Global Alliance Strategy Dire
Slide 21: Highlighted Events in 1H25
Highlighted Events in 1H25 BUSINESS COLLABORATION & PARTNERSHIP International Indonesia Motor Show (IIMS) Jakarta & Surabaya In collaboration with Adira Finance and support from MUFG, for the fourth time, Danamon became official bank partner of International Indonesia Motor Show (IIMS) 2025 at JIExp
Slide 22: Highlighted Events in 1H25
Highlighted Events in 1H25 CUSTOMER ENGAGEMENT Chinese New Year Dinner American Express® Gold Card Danamon held a series of Chinese New Year Collaborate with American Express®, Dinner celebrations in 11 Danamon regions Danamon reintroduce the refreshed starting from 3-11 February 2025 attended Danam
Slide 23: 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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