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PT Bank Danamon Indonesia Tbk and Subsidiaries
Consolidated Financial Statements
STATEMENTS OF FINANCIAL POSITION QUALITY OF PRODUCTIVE ASSETS AND OTHER INFORMATION
AS AT 30 SEPTEMBER 2023 AND 31 DECEMBER 2022
(In million Rupiah)
AS AT 30 SEPTEMBER 2023 AND 2022
(In million Rupiah)
FINANCIAL INFORMATION ON SHARIA BUSINESS UNIT
INDIVIDUAL CONSOLIDATED INDIVIDUAL This publication report is presented to comply with the Circular Letter of
NO. ACCOUNTS
30 Sep 2023 31 Dec 2022 30 Sep 2023 31 Dec 2022 NO. ACCOUNTS 30 Sep 2023 30 Sep 2023 Otoritas Jasa Keuangan No. 10/SEOJK.03/2020 dated 1 July 2020 regarding
ASSETS Current Special Mention Substandard Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total Transparency and Publication Report of Sharia Bank and Sharia Business Unit.
1. Cash 2,100,860 2,648,745 2,231,836 2,759,777 I. RELATED PARTIES
2. Placements with Bank Indonesia 10,024,018 14,650,674 10,024,018 14,650,674 1. Placements at other banks STATEMENT OF FINANCIAL POSITION
a. Rupiah - - - - - - - - - - - - AS AT 30 SEPTEMBER 2023 AND 31 DECEMBER 2022
3. Placements with other banks 3,560,141 1,564,719 4,309,659 2,250,886 b. Foreign currencies 146,848 - - - - 146,848 220,442 - - - - 220,442 (In million Rupiah)
4. Spot and derivative/forward receivables 446,716 388,898 446,716 429,782 2. Spot and derivative/forward receivables
a. Rupiah 7,554 - - - - 7,554 31 - - - - 31 NO. ACCOUNTS 30 Sep 2023 31 Dec 2022
5. Marketable securities 18,768,673 21,807,834 18,721,339 21,749,483 b. Foreign currencies 5,020 - - - - 5,020 - - - - - -
3. Marketable securities ASSETS
6. Securities sold under repurchase agreements (repo) - - - -
a. Rupiah 147,673 - - - - 147,673 159,617 - - - - 159,617 1. Cash 22,460 39,837
7. Securities purchased under resale agreements b. Foreign currencies 15,455 - - - - 15,455 - - - - - - 2. Placements at Bank Indonesia 1,262,610 972,273
(reverse repo) 2,527,518 5,864,755 2,527,518 5,864,755 4. Securities sold under repurchase agreements (repo) 3. Placements at other banks - -
a. Rupiah - - - - - - - - - - - - 4. Marketable securities - -
8. Acceptance receivables 1,377,001 1,236,386 1,377,001 1,236,386 b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased under resale agreements (reverse repo) 5. Financing receivables *) 6,401,536 5,254,717
9. Loans 125,195,937 112,695,089 124,024,895 112,049,672 6. Profit sharing financing 4,787,492 3,569,721
a. Rupiah - - - - - - - - - - - -
10. Sharia financing 11,747,292 9,206,473 11,747,292 9,206,473 b. Foreign currencies - - - - - - - - - - - - 7. Leased financing 558,264 382,034
11. Consumer financing receivables - - 26,760,001 22,678,396 6. Acceptance receivables 214,322 - - - - 214,322 - - - - - - 8. Other earning asset 89,673 53,082
7. Loans and financing 9. Allowance for impairment losses on earning asset (-/-) (405,845) (313,488)
Allowance for impairment losses on consumer financing a. Micro, small and medium debtor
10. Fixed assets and equipment 7,444 7,386
receivables -/- - - (1,683,397) (1,440,318) i. Rupiah 1,260 - - - - 1,260 - - - - - -
11. Non earning asset - 12,951
ii. Foreign currencies - - - - - - - - - - - -
12. Investments 11,996,588 11,641,736 1,039,078 1,041,317 b. Non micro, small and medium debtor 12. Other assets 4,813 4,933
13. Other financial assets 1,481,785 1,440,901 1,577,308 1,518,862 i. Rupiah 1,510,650 17 - - - 1,510,667 1,424,269 - - - - 1,424,269
TOTAL ASSETS 12,728,447 9,983,446
ii. Foreign currencies - - - - - - - - - - - -
14. Allowance for impairment losses on financial assets -/- c. Restructured Loans
LIABILITIES
a. Marketable securities (192,903) (36,846) (192,903) (36,846) i. Rupiah - - - - - - - - - - - -
1. Wadiah saving 360,707 587,573
ii. Foreign currencies - - - - - - - - - - - -
b. Loans and Sharia financing *) (7,213,822) (6,657,002) (7,268,601) (6,704,450) 8. Investments 11,909,251 - - - - 11,909,251 11,032,640 - - - - 11,032,640 2. Non profit sharing investment funds 7,748,413 4,453,753
c. Others (7,190) (7,794) (7,190) (7,794) 9. Other receivables - - - - - - - - - - - - 3. Liabilities to Bank Indonesia - -
10. Commitments and contingencies 4. Liabilities to other banks 526,659 614,533
15. Intangible assets 2,421,747 2,268,218 4,877,695 4,691,420 a. Rupiah 295,581 83 - - - 295,664 2,357,561 - - - - 2,357,561 5. Marketable securities issued - -
Accumulated amortisation on intangible assets -/- (1,881,547) (1,739,477) (3,139,986) (2,959,421) b. Foreign currencies 307,996 - - - - 307,996 307,503 - - - - 307,503
6. Other liabilities 38,305 27,876
16. Fixed assets and equipment 4,152,075 4,087,450 5,438,759 5,312,995 II. NON RELATED PARTIES 7. Profit sharing investment funds - -
1. Placements at other banks 8. Working funds 3,834,024 4,059,444
Accumulated depreciation of fixed assets and equipment -/- (2,671,813) (2,583,393) (3,511,387) (3,387,470) a. Rupiah 2,122,980 - - - - 2,122,980 248,355 - - - - 248,355 9. Retained earnings 220,339 240,267
17. Non earning asset b. Foreign currencies 1,290,313 - - - - 1,290,313 1,420,944 - - - - 1,420,944
a. Idle properties 66,100 67,039 66,100 67,039 2. Spot and derivative/forward receivables TOTAL LIABILITIES 12,728,447 9,983,446
a. Rupiah 420,779 - - - - 420,779 417,007 - - - - 417,007
b. Foreclosed assets 504,096 499,323 504,096 499,323 b. Foreign currencies 13,363 - - - - 13,363 23,982 - - - - 23,982
c. Suspense accounts - 8 - 8 3. Marketable securities STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME
a. Rupiah 16,464,599 - - 82,960 - 16,547,559 20,304,875 - - - - 20,304,875 FOR THE 9 MONTH PERIOD ENDED 30 SEPTEMBER 2023 AND 2022
d. Interbranch assets - - - - b. Foreign currencies 2,057,986 - - - - 2,057,986 2,963,382 - - - - 2,963,382 (In million Rupiah)
18. Leased receivables - - 1,234,628 965,453 4. Securities sold under repurchase agreements (repo)
a. Rupiah - - - - - - - - - - - - NO. ACCOUNTS 30 Sep 2023 30 Sep 2022
19. Other assets 6,422,887 4,663,950 7,172,598 5,293,286 b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased under resale agreements (reverse repo) OPERATING INCOME AND EXPENSE
TOTAL ASSETS 190,826,159 183,707,686 208,277,073 197,729,688 a. Rupiah 2,527,518 - - - - 2,527,518 4,273,155 - - - - 4,273,155 A. Operational Income dan Expense from distribution of fund
b. Foreign currencies - - - - - - - - - - - -
LIABILITIES AND EQUITY 6. Acceptance receivables 1,161,246 1,433 - - - 1,162,679 1,144,635 1,981 - - - 1,146,616 1. Income from Distribution of Fund
7. Loans and financing a. Income from receivables 515,390 412,670
LIABILITIES a. Micro, small and medium debtor
1. Current accounts 25,765,305 32,175,832 24,707,568 31,426,453 i. Rupiah 19,482,811 2,173,450 129,205 215,498 1,003,042 23,004,006 15,750,565 1,873,639 128,313 153,471 925,368 18,831,356 b. Income from profit sharing 239,080 185,403
ii. Foreign currencies 78,209 - - - 6,156 84,365 74,700 41,260 - - 9,510 125,470 c. Leased income 24,590 28,652
2. Savings 41,019,732 47,786,484 41,019,732 47,786,484 b. Non micro, small and medium debtor d. Others 3,745 1,394
3. Time deposits 62,628,464 45,747,295 62,628,464 45,747,295 i. Rupiah 95,106,544 5,175,722 297,078 377,496 1,131,733 102,088,573 78,511,929 4,765,371 398,426 559,470 1,035,394 85,270,590
2. Margin distribution to owners of investment funds -/-
ii. Foreign currencies 10,012,492 241,866 - - - 10,254,358 11,175,082 288,270 - - - 11,463,352
4. E-money - - - - c. Restructured Loans a. Non Profit sharing 161,750 59,685
5. Loans from Bank Indonesia - - - - i. Rupiah 4,427,351 1,348,760 193,023 151,466 1,666,684 7,787,284 7,285,881 2,282,315 375,750 487,599 1,506,663 11,938,208 b. Profit sharing - -
ii. Foreign currencies 53,308 241,866 - - 6,156 301,330 541,063 318,109 - - 9,510 868,682 3. Income after margin distribution 621,055 568,434
6. Borrowings from other banks 1,905,805 2,395,793 1,905,805 2,395,793 8. Investments 87,337 - - - - 87,337 84,846 25 - - - 84,871
7. Spot and derivative/forward liabilities 391,013 243,108 391,013 248,801 9. Other receivables 468,546 - - - - 468,546 774,082 - - - - 774,082 B. Other Operating Income and Expenses Except Fund Distribution
10. Commitments and contingencies
8. Securities sold under repurchase agreements (repo) - - - - a. Rupiah 70,761,382 211,089 - - - 70,972,471 67,117,262 192,036 - - - 67,309,298 1. Gain (loss) on foreign currencies translation (34) 2
9. Acceptance payables 1,377,001 1,236,386 1,377,001 1,236,386 b. Foreign currencies 15,206,424 3,839 - - - 15,210,263 11,215,659 3,974 - - - 11,219,633
2. Income as mudharib in mudharabah muqayyadah - -
10. Marketable securities issued - - 5,147,876 5,381,107 III. OTHERS INFORMATION 3. Commision/Provision/Fees and administrative 3,205 4,491
11. Borrowings 25,000 25,000 9,107,140 4,452,667 1. Collateralised assets 4. Other income 17,407 10,334
a. To Bank Indonesia - -
12. Security deposits 8,381 12,373 8,381 12,373 5. Wadiah bonus expense -/- 7,139 5,997
b. To other parties - -
13. Interbranch liabilities - - - - 2. Foreclosed assets 504,097 528,576 6. Addition (reversal) of impairment losses on financial assets -/- 320,881 220,591
14. Other liabilities 9,416,850 7,241,712 13,015,564 11,563,847 7. Losses on operational risk -/- 13 8
8. Addition (reversal) of impairment losses on other asset (non financial) -/- (13,000) 9,000
15. Minority interest - - 679,921 634,779
STATEMENTS OF COMMITMENTS AND CONTINGENCIES KEY FINANCIAL RATIOS 9. Salaries and employee benefits -/- 55,871 51,653
TOTAL LIABILITIES 142,537,551 136,863,983 159,988,465 150,885,985 AS AT 30 SEPTEMBER 2023 AND 31 DECEMBER 2022 AS AT 30 SEPTEMBER 2023 AND 2022 10. Other expenses -/- 44,438 42,171
(In million Rupiah) Other Operating Income (Expense) (394,764) (314,593)
EQUITY INDIVIDUAL CONSOLIDATED NO. RATIOS (%) 30 Sep 2023 30 Sep 2022
NO. ACCOUNTS OPERATING INCOME (LOSS) 226,291 253,841
16. Issued and fully paid capital 30 Sep 2023 31 Dec 2022 30 Sep 2023 31 Dec 2022 CONSOLIDATED RATIOS: NON OPERATING INCOME AND EXPENSE
a. Authorized capital 10,000,000 10,000,000 10,000,000 10,000,000 I. COMMITMENT RECEIVABLES 1. CAR 28.43% 26.23%
2. Non-performing earning assets and non productive assets to total earnings 1. Gain/(loss) from sale of premisses and equipment 2 0
b. Unpaid capital -/- (4,004,423) (4,004,423) (4,004,423) (4,004,423) 1. Unused borrowing facilities - - - -
and non productive assets 1.45% 1.55% 2. Other non operating income / (expenses) (16,672) (4,185)
c. Treasury stock -/- - - - - 2. Outstanding buying of spot and derivative/forward NON OPERATING INCOME (LOSS) (16,670) (4,185)
contract 24,822,984 28,624,571 24,822,984 28,624,571 3. Non-performing earning assets to total productive assets 1.35% 1.41%
17. Additional paid-up capital 4. Allowance for impairment losses for financial asset to productive asset 4.75% 4.42% INCOME (LOSS) DURING PERIOD BEFORE TAX 209,621 249,656
3. Others - - - -
a. Agio 7,985,971 7,985,971 7,985,971 7,985,971 5. NPL gross 2.37% 2.71% Income tax -/- (10,718) 54,924
b. Disagio -/- - - - - II. COMMITMENT PAYABLES 6. NPL net 0.26% 0.30% INCOME (LOSS) DURING PERIOD NET OF TAX 220,339 194,732
c. Capital paid in advance - - - - 1. Unused loans facilities granted to debtors 7. Return on Assets (ROA) before tax 2.24% 2.32% OTHER COMPREHENSIVE INCOME
a. Commited 3,268,685 254,853 3,268,685 254,853 8. Return on Assets (ROA) after tax 1.68% 1.74%
d. Others 8,242 8,242 8,242 8,242 b. Uncommitted 75,007,546 87,536,035 75,007,546 87,536,035 1. Items that will not be reclassified to profit or loss - -
9. Return on Equity (ROE) 8.15% 8.55%
18. Other comprehensive income 2. Outstanding Irrevocable L/C 1,360,582 1,068,247 1,360,582 1,068,247 10. Net Interest Margin (NIM) including third party premium expenses 7.74% 7.60% 2. Items that will be reclassified to profit or loss - -
a. Gain 201 224 201 224 3. Outstanding selling of spot and derivative/forward Current Period Other Comprehensive Income Net After Tax - -
contract 24,305,005 27,853,971 24,305,005 27,853,971 BANK RATIOS :
b. Loss -/- (124,445) (164,270) (124,445) (164,270) 4. Others - - - - TOTAL COMPREHENSIVE INCOME DURING PERIOD 220,339 194,732
Performance Ratio
19. Reserves 1. CAR 26.27% 25.33%
III. CONTINGENT RECEIVABLES
a. General reserves 529,037 496,014 529,037 496,014 2. Non-performing earning assets and non productive assets to total earnings STATEMENTS OF COMMITMENTS AND CONTINGENCIES
1. Guarantees received 784,830 602,216 784,830 602,216 and non productive assets 1.34% 1.47% AS AT 30 SEPTEMBER 2023 AND 31 DECEMBER 2022
b. Specific reserves - - - -
2. Others - - - - 3. Non-performing earning assets to total productive assets 1.23% 1.33% (In million Rupiah)
20. Retained earnings
IV. CONTINGENT PAYABLES 4. Allowance for impairment losses for financial asset to productive asset 4.21% 3.85% NO. ACCOUNTS 30 Sep 2023 31 Dec 2022
a. Previous years 32,488,922 29,770,175 32,488,922 29,770,175
5. NPL gross 2.44% 2.89%
b. Current year 2,560,923 3,302,314 2,560,923 3,302,314 1. Guarantees issued 7,149,581 6,709,537 7,149,581 6,709,537 I. CONTINGENT RECEIVABLES
2. Others - - - - 6. NPL net 0.19% 0.30% 1. Unused Financing facilities - -
c. Dividend paid -/- (1,155,820) (550,544) (1,155,820) (550,544) 7. Return on Assets (ROA) before tax 2.11% 2.19% 2. Outstanding buying of spot and forward contract - -
8. Return on Assets (ROA) after tax 1.83% 1.87% 3. Others - -
TOTAL EQUITY ATTRIBUTABLE TO EQUITY CAPITAL ADEQUACY RATIO (CAR) 9. Return on Equity (ROE) 10.41% 10.75%
II. COMMITMENT PAYABLES
1. Unused Financing facilities 870,544 4,717,927
HOLDERS OF THE PARENT ENTITY 48,288,608 46,843,703 48,288,608 46,843,703 AS AT 30 SEPTEMBER 2023 AND 2022
10. Net Interest Margin (NIM) 5.13% 5.15% 2. Outstanding selling of spot and forward contract - -
(In million Rupiah) 3. Others - -
11. Net Interest Margin (NIM) including third party premium expenses 4.98% 4.99%
TOTAL EQUITY 48,288,608 46,843,703 48,288,608 46,843,703 III. CONTINGENT RECEIVABLES
30 Sep 2023 30 Sep 2022 12. Operating expenses to operating income (BOPO) 75.40% 72.00% 1. Guarantees received - -
CAPITAL COMPONENT 13. Cost to Income Ratio (CIR) 51.95% 50.35% 2. Margin receivables on non performing assets 12,057 8,336
Individual Consolidated Individual Consolidated
TOTAL LIABILITIES AND EQUITY 190,826,159 183,707,686 208,277,073 197,729,688 14. Loan to Deposit Ratio (LDR) 100.04% 93.97% 3. Others - -
*) Include Allowance for Impairment Losses on Leased Receivables I Core Capital (Tier 1) 33,648,233 43,021,972 31,544,874 40,011,627 IV. CONTINGENT PAYABLES
1 Main Core Capital (CET 1) 33,648,233 43,021,972 31,544,874 40,011,627 Compliance 1. Guarantees issued - -
1.1 Paid Up Capital (After deducted with Treasury Stock) 5,995,577 5,995,577 5,995,577 5,995,577 2. Others - -
STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME 1.2 Disclosed reserves 42,225,581 42,225,581 39,780,307 39,780,307
1. a. Percentage violation on Legal Lending Limit
i. Related parties 0.00% 0.00%
FOR THE 9 MONTH PERIOD ENDED 30 SEPTEMBER 2023 AND 2022 1.2.1 Addition Factor
1.2.1.1 Other comprehensive income
42,485,516 42,485,516 40,102,092 40,102,092
76,484 76,484 - - ii. Third parties 0.00% 0.00%
FINANCIAL RATIO
(In million Rupiah, except earning per share) AS AT 30 SEPTEMBER 2023 AND 2022
1.2.1.1.1 Surplus from foreign currency translation - - - - b. Percentage lending in excess of Legal Lending Limit
1.2.1.1.2 Potential gain from increase in fair value of financial assets NO. ACCOUNTS 30 Sep 2023 30 Sep 2022
INDIVIDUAL CONSOLIDATED measured at fair value through other comprehensive income 76,484 76,484 - - i. Related parties 0.00% 0.00%
NO. ACCOUNTS
30 Sep 2023 30 Sep 2022 30 Sep 2023 30 Sep 2022 1.2.1.1.3 Surplus of fixed assets revaluation - - - - ii. Third parties 0.00% 0.00% 1 Total Sharia Business Unit (UUS) assets to total Conventional Bank asset which owned UUS 6.67% 5.32%
1.2.1.2 Other Disclosed Reserves 42,409,032 42,409,032 40,102,092 40,102,092 2. Statutory Reserve Requirements (GWM) 2 Non-performing earning assets to total productive assets 2.10% 2.53%
INCOME AND EXPENSES FROM OPERATIONS 1.2.1.2.1 Agio 7,985,971 7,985,971 7,985,971 7,985,971 3 Allowance for impairment losses for financial asset to productive asset 3.45% 3.48%
1.2.1.2.2 General reserve 529,037 529,037 496,014 496,014 a. GWM primary IDR
4 NPF gross 2.12% 2.53%
A. Interest Income and Expenses 1.2.1.2.3 Prior years profit 31,333,101 31,333,101 29,094,689 29,094,689 i. Daily 0.00% 0.00%
5 NPF net 1.29% 1.76%
1.2.1.2.4 Current year profit 2,560,923 2,560,923 2,525,418 2,525,418 ii. Average 8.29% 8.02%
1. Interest Income 9,193,868 7,921,607 14,865,938 12,866,225 1.2.1.2.5 Paid up capital fund - - - - 6 Return On Assets (ROA) 2.47% 3.64%
1.2.1.2.6 Others - - - - b. GWM foreign currency (Daily) 2.00% 2.00% 7 Profit sharing financing to total financing 40.22% 40.82%
2. Interest Expense -/- 2,700,329 1,674,465 3,376,045 2,191,043 8 Financing to Deposit Ratio (FDR) 143.57% 226.78%
1.2.2 Deduction Factor (259,935) (259,935) (321,785) (321,785) 3. Net Open Position 0.95% 1.15%
Net Interest Income ( Expense ) 6,493,539 6,247,142 11,489,893 10,675,182 1.2.2.1 Other comprehensive income (165,117) (165,117) (212,130) (212,130)
1.2.2.1.1 Deficit from foreign currency translation - - - -
B. Operating Income and Expense other than Interest 1.2.2.1.2 Potential loss from decrease in fair value of financial assets
measured at fair value through other comprehensive income (165,117) (165,117) (212,130) (212,130) TABLE OF MARGIN DISTRIBUTIONS
1. Gain (loss) from increase (decrease) in fair value 1.2.2.2 Other Disclosed Reserves (94,818) (94,818) (109,655) (109,655) CONSOLIDATED STATEMENTS OF CASH FLOWS
1.2.2.2.1 Disagio - - - - FOR THE 9 MONTH PERIOD ENDED 30 SEPTEMBER 2023 AND 2022 FOR THE MONTH OF SEPTEMBER 2023
of financial assets 241,665 (186,099) 241,665 (186,099) 1.2.2.2.2 Prior years loss - - - - (In million Rupiah)
(In million Rupiah)
2. Gain (loss) from decrease (increase) in fair value 1.2.2.2.3 Current year loss - - - -
1.2.2.2.4 Under provision between regulatory provision and impairment 30 Sep 2023 30 Sep 2022 Net Revenue Sharing
of financial liabilities - - - - value on productive assets - - - -
3. Gain (loss) from sale of financial assets 179,253 214,643 179,253 214,643 1.2.2.2.5 Negative difference on fair value adjustment of financial instrument Cash flows from operating activities: Depositor’s portion
in trading book - - - -
4. Gain (loss) from spot and derivative transaction (realised) (65,817) 333,220 (65,817) 333,220 1.2.2.2.6 Under provision between regulatory provision and impairment Interest income, fees and commissions 7,924,129 6,449,435 Average Revenue to be Total bonus Rate of return
value on non productive assets (94,818) (94,818) (109,655) (109,655) balance distributed Nisbah
5. Gain (loss) from investment under equity method 1,249,318 1,089,199 13,051 34,094 Receipts from consumer financing transactions 29,865,538 27,384,962 Type of funding & profit indication
1.2.2.2.7 Others - - - - (%) sharing (%)
6. Gain (loss) on foreign currencies translation (33) 2 (128) (17) 1.3 Minority interest which can be reckoned - - - - Payments for new consumer financing transactions (34,952,471) (22,006,157)
1.4 Deduction factor to core capital (14,572,925) (5,199,186) (14,231,010) (5,764,257) Payments of interest, fees and commissions (3,499,304) (2,251,523) A B C D E
7. Dividend income 7,683 3,455 7,683 3,455
1.4.1 Deffered tax calculation (2,123,474) (2,509,736) (2,728,803) (3,135,030) Payments of interests on securities issued (267,324) (386,080) 1. Liabilities to other bank - -
8. Fees/commissions and administrative income 1,225,499 1,062,471 1,743,819 1,623,786 1.4.2 Goodwill - (1,074,532) - (1,074,532)
1.4.3 Intangible assets (540,200) (663,177) (469,567) (612,967) Proceeds in relation to joint financing 14,680,742 10,569,847 2. Mudharabah current account
9. Other income 365,150 338,661 821,146 716,126 1.4.4 Investment calculated as deduction factor (11,909,251) (951,741) (11,032,640) (941,728) Repayment in relation to joint financing (9,774,592) (8,832,749) a. Bank 195,027 1,607 10 161 0.99
10. Addition (reversal) of Impairment losses 1.4.5 Short of capital on insurance subsidiary company - - - - Other operating income 1,144,814 1,134,996
1.4.6 Capital securitisation exposure - - - - b. Non Bank 1,131,614 9,326 16 1,461 1.55
on financial assets -/- 1,609,874 1,502,368 2,686,198 2,201,214 1.4.7 Other deduction factor to core capital - - - - Loss from foreign exchange transactions - net 217,577 267,389 3. Mudharabah saving account
11. Losses related to operational risk -/- 997 4,598 1,385 7,138 2. Additional Core Capital (AT-1) - - - - Other operating expenses (7,560,796) (6,163,580) a. Bank 201,227 1,658 13 216 1.29
2.1 Instrument that qualified for AT-1 - - - - Non-operating expense - net (59,946) (56,602)
12. Salaries and employee benefits -/- 2,732,406 2,528,948 4,551,453 4,270,451 2.2 Agio/Disagio - - - - b. Non Bank 990,024 8,159 8 661 0.80
13. Promotion expenses -/- 193,602 159,204 639,175 637,640 2.3 Deduction factor of Additional Core Capital - - - - Cash flows before changes in operating assets and liabilities (2,281,633) 6,109,938 4. Mudharabah time deposit
II Supplementary Capital (Tier 2) 1,523,545 1,613,169 1,293,458 1,357,813 a. Bank
14. Other expenses -/- 2,109,969 1,890,506 3,166,396 2,882,035 1 Capital instrument in form of shares and others which is qualified for Tier 2 833 833 5,833 5,833 Changes in operating assets and liabilities:
2 Agio/Disagio - - - - - 1 month 40,518 334 25 83 2.46
Operating Income (Expenses) other than Interest (3,444,130) (3,230,072) (8,103,935) (7,259,270) 3 General reserves of regulatory provision on productive assets (max. 1.25% of RWA Credit Risk) 1,522,712 1,612,336 1,287,625 1,351,980 Decrease/(increase) in operating assets: - 3 months 57,450 473 25 118 2.46
4 Deduction factor of Supplementary Capital - - - - Placements with other banks and Bank Indonesia - maturing more than 3 months - 6 months 2,563 21 25 5 2.34
OPERATING PROFIT (LOSS) 3,049,409 3,017,070 3,385,958 3,415,912 from the date of acquisition - 456,693
Total Capital 35,171,778 44,635,141 32,838,332 41,369,440 - 12 months 23,623 195 25 49 2.49
Marketable securities and Government Bonds - trading (750,541) 1,558,401 b. Non Bank
NON OPERATING INCOME AND EXPENSES DESCRIPTION
30 Sep 2023 30 Sep 2022 Description
30 Sep 2023 30 Sep 2022
Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated
Securities purchased under resale agreements 3,337,237 (964,847) - 1 month 2,243,524 18,490 25 4,622 2.47
1. Gain (loss) from sale of premisses and equipment (2,470) 804 (2,548) 1,017
Loans (12,865,551) (11,514,169) - 3 months 1,181,673 9,739 25 2,435 2.47
2. Other non operating income(expenses) (93,104) (69,153) 33,357 (50,827) RISK WEIGHTED ASSETS CAR RATIO Prepayments and other assets (1,638,886) (102,200) - 6 months 377,949 3,115 25 779 2.47
NON OPERATING PROFIT (LOSS) (95,574) (68,349) 30,809 (49,810) RWA CREDIT RISK 122,866,121 144,190,195 107,377,231 123,435,258 CET 1 Ratio (%) 25.13% 27.40% 24.33% 25.37% Increase/(decrease) in operating liabilities - 12 months 797,784 6,575 25 1,644 2.47
RWA MARKET RISK 1,005,724 1,005,121 743,808 743,204 Tier 1 Ratio (%) 25.13% 27.40% 24.33% 25.37% Deposits from customers: 5. Financing received - -
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 2,953,835 2,948,721 3,416,767 3,366,102 - Current accounts (6,664,943) 2,063,526
RWA OPERATIONAL RISK 10,025,598 11,815,822 21,514,454 33,540,029 Tier 2 Ratio (%) 1.14% 1.03% 1.00% 0.86%
Income tax TOTAL RWA 133,897,443 157,011,138 129,635,493 157,718,491 Total Ratio (%) 26.27% 28.43% 25.33% 26.23% - Savings (6,675,966) 803,571 Total 7,242,976 59,692
a. Current year tax expenses -/- 50,428 422,369 398,680 828,289 - Time deposits 16,949,028 (7,994,600)
CAR RATIO ACCORDING 9.00% 9.00% 9.00% 9.00% CET 1 FOR 17.27% 19.43% 16.33% 17.23% Deposits from other banks (489,750) (91,760)
b. Deferred tax income (expenses) (342,484) (934) (350,684) 78,485 TO RISK PROFILE (%) BUFFER (%)
Average balance Revenue received
Accruals and other liabilities 1,720,519 3,675 Type of financing
TOTAL NET PROFIT (LOSS) DURING PERIOD 2,560,923 2,525,418 2,667,403 2,616,298 CAR ALOCATION ACCORDING BUFFER 3.50% 3.50% 3.50% 3.50% Income tax paid during the period (505,428) (710,400) A B
TO RISK PROFILE PERCENTAGE
OTHER COMPREHENSIVE INCOME Net cash used by operating activities (9,865,914) (10,382,172) 1. Placements at other banks - -
REQUIREMENT (%)
1. Items that will not be reclassified to profit or loss 2. Murabahah receivables
From CET1 (%) 7.86% 7.97% 8.00% 8.14% Capital 2.50% 2.50% 2.50% 2.50% Cash flows from investing activities:
a. Gain from fixed asset revaluation - - - - a. Bank - -
Conservation Proceeds from sales of and matured marketable securities and Government b. Non Bank 7,615,134 59,187
b. Gain (loss) from remeasurement on defined Buffer (%) Bonds - amortized cost and fair value through other comprehensive income 5,730,347 15,478,470 3. Istishna receivables
benefit pension program - - - - From AT1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical 0.00% 0.00% 0.00% 0.00% Acquisition of marketable securities and Government Bonds - amortized cost a. Bank - -
Buffer (%) and fair value through other comprehensive income (1,737,796) (4,842,358) b. Non Bank - -
c. Others - 55 - 55
From Tier 2 (%) 1.14% 1.03% 1.00% 0.86% Capital Surcharge 1.00% 1.00% 1.00% 1.00% Acquisition of fixed assets and intangible assets (389,604) (221,682) 4. Multipurpose receivables
2. Items that will be reclassified to profit or loss for Systemic a. Bank - -
Proceeds from sale of fixed assets 3,201 28,570
a. Gain (loss) from adjustment on translation Bank (%) b. Non Bank - -
Receipt from investment 21,144 19,215
of financial statements - - - - 5. Pawn financing
STATEMENT OF SPOT AND DERIVATIVE TRANSACTION Receipt of cash dividends 7,683 3,455 a. Bank - -
b. Gain (loss) from changes in fair value of financial AS AT 30 SEPTEMBER 2023 Liquidation of Subsidiary 2,073 - b. Non Bank - -
assets measured at fair value through (In million Rupiah) 6. Mudharabah financing
Net cash provided from investing activities 3,637,048 10,465,670
other comprehensive income 36,687 (694,509) 36,687 (694,509) INDIVIDUAL a. Bank 100,823 715
Cash flows from financing activities: b. Non Bank 1,407,633 4,004
c. Others 3,115 48,776 3,382 52,977 NO. TRANSACTION Purpose Derivative Receivable and Liabilities
Notional Amount Payments of principal on bonds issued and mudharabah bonds (2,240,800) (2,539,750) 7. Musyarakah financing
Other Comprehensive Income Net Of Tax 39,802 (645,678) 40,069 (641,477) Trading Hedging Receivables Liabilities a. Bank - -
Proceeds from bonds issuance mudharabah bonds 2,003,591 2,010,813
A. Related to exchange rate b. Non Bank 3,332,432 16,781
TOTAL CURRENT PERIOD PROFIT (LOSS) Payments of cash dividends (1,219,591) (598,608) 8. Lease financing
1. Spot 2,853,688 2,853,688 - 4,990 5,267 Repayment of borrowings (13,822,454) (6,301,140)
AND COMPREHENSIVE INCOME 2,600,725 1,879,740 2,707,472 1,974,821 2. Forward 8,571,335 8,571,335 - 72,658 52,796 a. Bank - -
3. Option Proceeds from borrowings 18,510,000 5,489,167 b. Non Bank 466,733 518
Current Period Profit (Loss) attributable to: Decrease in principal of lease liabilities (78,748) (64,961) 9. Other financing
a. Purchased 17,720 17,720 - 1,540 14,483
Equity holders of the parent entity 2,560,923 2,525,418 2,560,923 2,525,418 b. Written 905,220 905,220 - - 1,603 a. Bank - -
Net cash provided from/(used by) financing activities 3,151,998 (2,004,479) b. Non Bank 708 -
Non-controlling interests - - 106,480 90,880 4. Future - - - - -
5. Swap 32,030,344 32,030,344 - 340,317 288,000 Net (decrease)/increase in cash and cash equivalent (3,076,868) (1,920,981) Total 12,923,463 81,205
TOTAL CURRENT PERIOD PROFIT (LOSS) 2,560,923 2,525,418 2,667,403 2,616,298
6. Others - - - - -
B. Related to interest rate - Net effect on changes in exchange rates on cash and cash equivalent (18,955) 78,947 Notes:
Total Current Period Profit (Loss) and Comprehensive
1. Forward - - - - - Cash and cash equivalents as at beginning of the period 19,661,337 18,260,606 *) Total of Murabahah and Istishna financing exclude margin to be received of Rp 1,256,124 million and Rp 925,917
Income attributable to:
2. Option Cash and cash equivalents at end of the period 16,565,514 16,418,572
million as at 30 September 2023 and 31 December 2022.
Equity holders of the parent entity 2,600,725 1,879,740 2,600,725 1,879,740 a. Purchased - - - - -
Non-controlling interests - - 106,747 95,081 b. Written - - - - - Cash and cash equivalents consist of:
3. Future - - - - - Cash 2,231,836 1,976,456
TOTAL CURRENT PERIOD PROFIT (LOSS) 4. Swap - - - - - Current accounts with Bank Indonesia 6,304,653 5,295,055 Jakarta, 30 Oktober 2023
AND COMPREHENSIVE INCOME 2,600,725 1,879,740 2,707,472 1,974,821 5. Others - - - - - Sharia Business Unit
Current accounts with other Banks 2,155,110 2,794,474
C. Others 2,342,131 2,342,131 - 27,211 28,864
DIVIDEND (1,155,820) (550,544) (1,155,820) (550,544) Placements with other Banks and Bank Indonesia - maturing within 3 months
TOTAL 46,720,438 46,720,438 - 446,716 391,013
BASIC EARNINGS PER SHARE ( in rupiah unit ) 262.03 258.39 262.03 258.39 from the date of acquisition 5,873,915 6,352,587
Market value represents total notional amount buy and sell position at gross basis.
A notional amount is a number of currency units specified in the contract. Total cash and cash equivalents 16,565,514 16,418,572
Derivative receivables/liabilities represent the settlement value of a derivative instrument on balances sheet date.
Prof. Dr. H. M. Din Syamsuddin Herry Hykmanto
ALLOWANCE FOR IMPAIRMENT LOSSES BANK MANAGEMENT
Sharia Supervisory Board Director
AS AT 30 SEPTEMBER 2023 AND 2022
(In million Rupiah) AS OF 30 SEPTEMBER 2023
BOARD OF COMMISSIONERS
30 Sep 2023 30 Sep 2022 President Commissioner : Yasushi Itagaki*
Vice President Commissioner (Independent) : Halim Alamsyah** Notes:
No ACCOUNTS Impairment Loss Allowance Minimum Required Regulatory Impairment Loss Allowance Minimum Required Regulatory Commissioner : Nobuya Kawasaki
Commissioner : Dan Harsono 1. The above financial information is extracted from the consolidated financial statements of PT Bank Danamon Indonesia Tbk
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific Independent Commissioner : Peter Benyamin Stok (the “Bank”) and subsidiary as of 30 September 2023 and for the nine-month period then ended, prepared by the Bank’s
Independent Commissioner : Hedy Maria Helena Lapian
1. Placements at other banks 208 - - 35,601 - 436 - - 18,897 - management in accordance with Indonesian Financial Accounting Standards. The above financial information does not contain
* The appointment of Mr. Yasushi Itagaki based on resolutions of AGMS dated 31 March 2023 and has been approved by OJK and
2. Spot and derivative receivables - - - 4,467 - - - - 4,410 - will be effective as of dated 1 January 2024.
notes to the consolidated financial statements.
3. Marketable securities 9,943 - 182,960 35,537 41,480 36,407 - - 37,025 -
4. Securities sold under repurchase agreements (repo) - - - - - - - - - -
** The appointment of Mr. Halim Alamsyah based on resolutions of AGMS dated 31 March 2023 and effective as of dated 7 June 2023 The above published report are presented in order to comply with Regulation of Financial Service Authority (“POJK”)
based on the result of passing the OJK fit and proper test.
5. Securities purchased under resale agreements (reverse repo) - - - - - - - - - - No.37/POJK.03/2019 dated 19 December 2019 regarding “Transparency and Publication of Bank”, and the Copy of Circular Letter
BOARD OF DIRECTORS
6. Acceptance receivables 1,739 1 4,625 13,756 72 1,364 - - 11,446 99 President Director : Daisuke Ejima* of Financial Service Authority (“SEOJK”) No.09/SEOJK.03/2020 dated 30 June 2020 regarding “Transparency and Publication
7. Loans and financing 1,712,780 970,089 4,530,953 1,232,695 1,839,711 1,625,346 786,221 3,707,632 1,044,531 1,866,860 Vice President Director : Honggo Widjojo Kangmasto of Conventional Bank”, POJK No.14/POJK.04/2022 dated 22 August 2022 regarding “Financial Statements Presentation and
8. Investments - - - 119,966 - - - - 111,175 1 Vice President Director : Hafid Hadeli
Disclosure of Issuer or Public Companies”, and Regulation of Capital Market and Financial Institution Supervisory Agency
9. Other receivables 617 - - 4,685 - 3,324 - - 7,741 - Director : Herry Hykmanto
10. Commitment and Contingency 94,511 2,438 13,408 76,004 10,658 88,864 2,842 153 52,399 9,596 Director : Rita Mirasari (“Bapepam-LK” which function has been transferred to Financial Service Authority (“OJK”) starting 1 January 2013) No. VIII.G.7.
Director : Dadi Budiana Appendix to the Decree of the Chairman of Bapepam-LK No. Kep-347/BL/2012 regarding “Financial Statements Presentation
Director : Muljono Tjandra
Director : Naoki Mizoguchi and Disclosure of Issuer or Public Companies”.
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY Director : Thomas Sudarma
2. The consolidated financial statements as of 30 September 2023 and for the nine-month period then ended included financial
FOR THE 9 MONTH PERIOD ENDED 30 SEPTEMBER 2023 AND 2022 * The appointment of Mr. Daisuke Ejima based on resolutions of AGMS dated 31 March 2023 and effective as of dated 1 April 2023
(In million Rupiah) Attributable to equity holders of the parent entity based on the result of passing the OJK fit and proper test.
statements of subsidiary, i.e. PT Adira Dinamika Multi Finance Tbk.
Other equity components Retained earnings SHARIA SUPERVISORY BOARD 3. As of 4 April 2023, the liquidation of PT Adira Quantum Multifinance has been completed.
Additional Other Changes in fair value on Total before Non-
Total
AS OF 30 SEPTEMBER 2023 4. MUFG Bank, Ltd. is wholly-owned subsidiary of Mitsubishi UFJ Financial Group, Inc. which is based in Japan.
Share paid-up paid-up Changes of Marketable securities, Government Changes in fair value controlling
non-controlling
capital capital capital associate Bonds, and Investments in shares of cashflow hedge-net Appropriated Unappropriated*) interest interest Equity 1. Chairman : Prof. Dr. H. M. Din Syamsuddin 3. Exchange rate as of 30 September 2023: USD 1 = Rp15,455.00; Exchange rate as of 31 December 2022: USD 1 = Rp15,567.50;
equity measured at fair value through 2. Member : Dr. Hasanudin, M. Ag
other comprehensive income - net
3. Member : Dr. Asep Supyadillah, M.Ag Exchange rate as of 30 September 2022: USD 1 = Rp15,227.50.
Balance as of 1 January 2023 5,995,577 7,985,971 189 8,242 (125,321) (2,844) 495,825 32,486,064 46,843,703 634,779 47,478,482
Total income for the period SHARE OWNERSHIP OF BANK Thank You for Your Vote of Confidence
Net income for the period - - - - - - - 2,560,923 2,560,923 106,480 2,667,403 AS OF 30 SEPTEMBER 2023
Other comprehensive Income, net of tax
Changes in fair value of cashflow hedge-net - - - - - 3,115 - - 3,115 267 3,382 1. MUFG Bank, Ltd. (direct and indirect) 92.47%
Remeasurement of obligation for post-employment-benefits
Changes in fair value on Marketable securities, Government Bonds,
- - - - - - - - - - - Indonesia Most Powerful Women Awards 2023 28th Infobank Awards
and Investments in shares measured at fair value through 2. Public 7.53% by HerStory, category : by Infobank, category :
other comprehensive income - net - - - - 36,687 - - - 36,687 - 36,687
Total other comprehensive income - - - - 36,687 3,115 - - 39,802 267 40,069 Total 100.00% Creating Value Added to Banking Business Through ESG - The Best Financial Performance Bank in 2022 (KBMI III)
Total Comprehensive Income for the period - - - - 36,687 3,115 - 2,560,923 2,600,725 106,747 2,707,472
Liquidation of Subsidiary - - - - - - - - - 2,073 2,073 and GCG Compliance - Excellent Financial Performance Bank in 2022
Appropriation for general and legal reserve - - - - - - 33,023 (33,023) - - -
Distribution of cash dividends - - - - - - - (1,155,820) (1,155,820) (63,678) (1,219,498) Jakarta, 30 Oktober 2023
Balance as of 30 September 2023 5,995,577 7,985,971 189 8,242 (88,634) 271 528,848 33,858,144 48,288,608 679,921 48,968,529 Board of Directors 12th Infobank Sharia Recognition
Balance as of 1 January 2022 5,995,577 7,985,971 189 8,242 482,379 (56,114) 480,094 29,642,769 44,539,107 543,951 45,083,058 HR Asia Awards
Total Income for the period by Infobank, category :
Net income for the period - - - - - - - 2,525,418 2,525,418 90,880 2,616,298 by HR Asia, category :
Other comprehensive income, net of tax Excellence Financial Performance Islamic Banking
Changes in fair value of cashflow hedge-net - - - - - 48,776 - - 48,776 4,201 52,977 Best Companies to Work For 2023
Remeasurement of obligation for post-employment-benefits - - - - - - - 55 55 - 55 Unit of Commercial Banking in 2022 (Asset Rp5 T-Rp10 T)
Changes in fair value on Marketable securities, Government Bonds,
and Investments in shares measured at fair value through other
comprehensive income - net - - - - (694,509) - - - (694,509) - (694,509)
Total other comprehensive income - - - - (694,509) 48,776 - 55 (645,678) 4,201 (641,477) GlobalCCU Award 2023
Total Comprehensive Income for the period - - - - (694,509) 48,776 - 2,525,473 1,879,740 95,081 1,974,821 Daisuke Ejima Muljono Tjandra
Top Corporate Social Responsibility of The Year 2023
by Global Council of Corporate Universities
Appropriation for general and legal reserve - - - - - - 15,731 (15,731) - - -
President Director Director by Infobrand.id, category :
Distribution of cash dividends - - - - - - - (550,544) (550,544) (48,135) (598,679) (GlobalCCU), category :
Balance as of 30 September 2022 5,995,577 7,985,971 189 8,242 (212,130) (7,338) 495,825 31,601,967 45,868,303 590,897 46,459,200 Top Corporate Social Responsibility of the Year 2023
Best Corporate University – Culture – Bronze Award
*) Unappropriated retained earnings include remeasurement on defined benefit plans
Corporate Communications - Menara Bank Danamon 11th Floor, Jl. HR. Rasuna Said, Blok C No. 10 Kelurahan Karet, Kecamatan Setiabudi, Jakarta 12920, Telp. (021) 80645000, Fax. (021) 80645030, Email : corporate.communications@danamon.co.id
Investor Relation Division - Menara Bank Danamon 21st Floor, Jl. HR. Rasuna Said, Blok C No. 10 Kelurahan Karet, Kecamatan Setiabudi, Jakarta 12920, Telp. (021) 80645000, Fax. (021) 80645103, Email : investor.relations@danamon.co.id
PT Bank Danamon Indonesia Tbk
Licensed and supervised by Financial Services Authority
www.danamon.co.id
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